🇮🇳 India · zero-MDR UPI makes flat-fee the rational choice

UPI, RuPay, netbanking.
A flat fee, never a percentage.

On zero-MDR UPI, a flat monthly fee is rationally superior to every %-based gateway. Accept UPI, RuPay, netbanking and wallets through one integration — routed over your own licensed PA, keeping their rate, never a cut of your revenue.

Connect nowSee flat pricing
0%
MDR on UPI & RuPay
#1
UPI is India’s dominant rail
flat
monthly fee, not a % of sales
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The math favours flat fees

UPI has been zero-MDR since 2020 and the MDR debate is reopening. Whether MDR stays zero or returns tiered, a flat monthly fee beats a %-cut on your growing volume — that’s the whole pitch.

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License-free via your own acquirer

Routing over your own RBI-licensed Payment Aggregator (Razorpay/Cashfree/PayU) sidesteps the PA-CB net-worth and KYC burden landing in 2026 — we’re the orchestration layer, not the licence-holder.

One integration. Every gateway.

PAYWAYS routes this rail through the providers already in production — add it without touching your checkout again.

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One integration, every rail

Cards, local methods, wallets and bank transfers behind a single API, SDK and MCP server.

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Switch-free routing

Change or add providers with a click — your store integration never changes.

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Verified, then settled

Every charge is re-verified against the provider before it counts; signed webhooks report back.

Keep your rate. Add a flat fee. That’s it.

Percentage gateways grow their cut as you grow. PAYWAYS never touches the money — it flows through your own acquirer’s raw rate. You add one predictable monthly fee.

Typical % gateway
1–4% of every sale, forever
PAYWAYS
From ~$3 / month, flat

Go live in three steps

01
01

Connect

Use our master account or your own keys — org, pay-key and gateway in minutes, zero paperwork.

02
02

Drop in the checkout

One script tag, an SDK call, a REST request or an MCP tool — whatever your stack speaks.

03
03

Get paid, verified

Every charge is re-verified against the provider before it counts; signed webhooks report back to your systems.

Your own acquirer’s rate, a flat monthly fee — never a cut of your sales.

Start freeConnect now