Automated UPI Payment Gateway • 0% Fee

Accept UPI Payments with a 2-Call API.
Zero Commission.

Generate dynamic UPI QRs and receive automated Bank UTR confirmations directly into your bot, website, or app in under 2 seconds. No KYC roadblocks, no middleman escrow hold.

Grab API Free Explore API Docs
Instant Bank UTR (<2s) AES-256 Encryption 0% Gateway Cut 100% Direct Settlement
novaapay.shop/pay LIVE
Payment verified via Bank UTR Order #8H2KQ • ₹499.00
SUCCESS
Dynamic UPI QR Created Amount ₹499.00 • Auto-expiring
LIVE
Direct Bank Settlement Straight to your Merchant Bank A/C
+100% (0% Fee)
Google Pay
PhonePe
Paytm
BHIM UPI

Built for teams that trust UPI everywhere

ScriptBots MC Servers Creator Shops Dev Click SnapModule
1,540+
Active Orders Processed
₹1,248,000
Total Volume Settled
< 2s
Automated Bank UTR Check
99.9%
Gateway Uptime
WHY Novagate

Built for Indian Developers & Creators

A modern UPI payment layer that eliminates high gateway commission fees and delivers instant automated Bank UTR confirmations.

Instant Bank UTR Verification
Every UPI transaction is validated atomically using 12-digit Bank UTR numbers in under 2 seconds.
Dynamic UPI QR Generation
Generate real-time, amount-locked QR codes compatible with Google Pay, PhonePe, Paytm, and all UPI apps.
0% Gateway Commission
Stop paying 2% - 3% gateway deductions. Keep 100% of your earnings straight into your registered bank account.
2-Call RESTful API
One endpoint to create dynamic payment orders, and one to verify. Clean deterministic JSON responses.
Bank-Grade Idempotency
Prevent double settlements with atomic database locking and AES-256 payload encryption.
Instant Webhooks
Real-time HTTP webhook notifications delivered to your server URL the moment customer funds arrive.
HOW IT WORKS

Accept Payments in 3 Simple Steps

Fast, effortless integration for websites, Telegram bots, SaaS applications, and e-commerce stores.

1
Create Order via API
Your backend sends order amount and customer phone number to our API to generate a dynamic UPI session.
2
Customer Pays via Any UPI App
Customer scans the generated QR code or clicks the UPI intent link on PhonePe, Google Pay, or Paytm.
3
Instant Automated Verification
Our gateway validates the Bank UTR in real-time, marks order SUCCESS, and triggers your webhook notification.
HELP & ANSWERS

Frequently Asked Questions

Clear answers about integration, payment verification, and security.

How does the automated Bank UTR verification work?
When a customer pays through PhonePe, Google Pay, or Paytm, the Indian banking network issues a unique 12-digit Bank UTR (Unique Transaction Reference). Our gateway connects directly to verify this UTR against incoming credits within seconds.
Is there any percentage commission or gateway cut?
No. 100% of your funds go straight into your merchant bank account. We do not deduct any 2% or 3% gateway commissions.
Can customers pay from any UPI app?
Yes! Dynamic UPI QR codes work with all Indian UPI applications including Google Pay, PhonePe, Paytm, BHIM, CRED, Amazon Pay, and mobile banking apps.
Who is the owner and founder of Novagate?
Novagate is owned and founded by Karan Bhaiya (@karanBhaiyaaaa). For official support, partnerships, or priority inquiries, you can connect directly on Telegram.
How do webhooks work?
You can configure your Webhook URL inside your merchant dashboard. Whenever a customer payment is confirmed, an HTTP POST notification with order details and UTR is fired to your server instantly.

Start Accepting Zero-Commission UPI Today

Join 1,500+ Indian creators, developers, and businesses using Novagate for instant automated settlements.

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