Live on netmoov.com — amount-locked UPI

The future of
UPI payments

Amount-locked QR. Bank SMS or email credit. Verify with the UPI reference only.

⚡ Buy the ₹2 watch ▶ API docs
QR Amount locked
UTR Only field to verify
SMS Kotak · Slice · more
API Orders & webhooks
✅
Payment successful
₹10.00
⚡
QR amount
Locked
🔒
Verify with
UTR only
✨ Features

Everything you need to
accept UPI

One ledger for admin, merchant, API, hosted checkout, and the Android SMS listener. No duplicate payment stacks.

⚡
Amount-locked QR
Every order returns a UPI URI with am= set to the product price. GPay and PhonePe open with rupees already filled.
No typed amount
📱
Bank SMS listener
The Android app reads SMS from Kotak, Slice, and others. Amount and UPI ref are extracted and stored as an unclaimed credit.
SMS, not screenshots
🔌
One API, any platform
Create the order on your server, show the QR, verify with the UPI reference only. API secrets never leave your backend.
REST API + widget
🧾
Ref-only verify
Customers paste the 12-digit UTR. Amount is taken from the order. Credits cannot be claimed twice.
Idempotent
🔒
Server-side security
Hashed API secrets, CSRF, signed webhooks, domain allowlists, prepared statements. The browser is never treated as proof of funds.
HMAC webhooks
📧
Email credits
Forward Slice or Kotak credit alerts to your VoltPay inbox. Amount, sender, date, and RRN become the same unclaimed credit as SMS.
Same as SMS
🗺️ Process

Clear a payment in 4 steps

The customer never proves payment in the browser. VoltPay waits for the bank credit.

1

Create order

Your server calls the API with the product price. Response includes upi_uri, payment_url, and embed_url.

2

Pay the QR

Amount is locked. GPay / PhonePe / BHIM open with rupees already set.

3

SMS ingested

The listener on the merchant phone stores an unclaimed credit from the bank message.

4

Paste UTR

One reference. Matched, consumed, webhook fired. Dashboard shows SUCCESS.

📈 Dashboard

Admin and merchant
on one ledger

Power for operators. Merchant dashboard for QR, keys, pairing, and settlements. Same credits, same transactions, same engine.

Power console Merchant app REST + SDK Android listener Signed webhooks
⚡ VoltPay Live checkout
₹10
Locked in QR
UTR
Only verify field
1×
Credit claimed once
🛡️ Security

Designed so the browser
cannot fake a payment

API secrets stay hashed. Webhooks are HMAC-signed. Credits are consumed once. Domain allowlists stop random origins.

🔒
Secret never in HTML
Create orders and verify on your server. The widget only receives public QR fields.
🧾
Amount from the order
Verify sends UPI ref only. Typed rupees cannot change what the order costs.
🔁
No double claim
A credit matching amount and ref is locked, consumed, and cannot be reused.
✍️
Signed webhooks
HMAC SHA-256 over timestamp + body. Reject unsigned callbacks.
🌐
Authorized domains
Browser Origin must be on your merchant allowlist before the API answers.
🐘
Protected panels
Hashed passwords and API keys, CSRF on dashboards, rate limits on public forms.
🔌 Integrate

Drop VoltPay into
your checkout

REST API, browser widget, iframe embed, or redirect to hosted checkout.

🔑
REST API
🌐
HTML widget
📦
WordPress
🔧
WooCommerce
📱
WebView
🪟
iframe embed
🔗
cURL / REST
🔔
Webhooks
💰 Pricing

You run it.
You set the fees.

There is no per-transaction cut inside VoltPay — you decide commercial terms with your merchants.

Operator
Your terms
Unlimited merchants. Approve accounts, watch credits, and run the gateway from Power.
  • ✓ Merchant approval
  • ✓ Credits, devices, API logs
  • ✓ Staff roles
Open Power
For your merchants
Merchant
₹0/in-app
QR, API keys, pairing, amount-locked checkout, webhooks. You set any fee you want outside the software.
  • ✓ Amount-locked UPI QR
  • ✓ REST API + widget
  • ✓ Android SMS listener
  • ✓ Verify with UTR only
  • ✓ Signed webhooks
Create merchant
Live test
₹1–₹10
Send a real rupee through Demo Store and watch SUCCESS on the same ledger.
  • ✓ Real Kotak / Slice SMS
  • ✓ Locked QR
  • ✓ Paste UTR only
Open live pay
🚀 Ready

Put a rupee through the rails

Live checkout on the Demo Store. Pay the amount-locked QR, paste the UPI ref, watch SUCCESS.

⚡ Live payment Create merchant

REST API · Widget · Hosted checkout · UPI QR