UPI collection & payout · India
UPI payments for India,
built for volume.
rolexpay gives merchants a UPI collection API — Scan & Pay with in-app wake-up, or native direct API — plus INR payouts to any Indian bank account. Signed callbacks land in under five seconds. Onboarding happens on Telegram, test keys usually the same day.
- Scan & Pay
- 3.00% per transaction
- Native collection
- 8.00% per transaction
- Payout
- 3% + ₹6 per transfer
- Callback
- ≤ 5s to your endpoint
Products
Three ways to move money in India
One merchant account, one signing scheme, one callback format. Pick the rail that matches how your users already pay.
UPI Scan & Pay
We host the payment page. The customer scans a UPI QR or opens it on their phone and the UPI app wakes straight into the confirmation screen. Highest conversion for mobile web and in-app checkouts.
₹100 – ₹50,000 per order
How Scan & Pay works →pay_type = 2Native collection
You keep your own checkout UI. Create the order through the API, get the pay link and payment parameters back, and render the payment step yourself. No redirect friction, no third-party branding.
₹100 – ₹5,000 per order
Native API details →submitPayoutINR payout
Disburse to any Indian bank account by account number and IFSC. Balance is debited on submit, transfers pass a review step, and failed or reversed transfers refund automatically.
₹100 – ₹20,000 per transfer
Payout lifecycle →RatesFee structure
Entry rate 3% on Scan & Pay, 8% on native collection, 3% + ₹6 on payout. No monthly fee, no setup fee, failed transactions are not charged. Volume tiers available.
No monthly minimum
Full pricing table →Payment methods
Every rail Indian customers actually use
One merchant account covers UPI, cards, netbanking and wallets. Same signature, same callback, same settlement report.
Collection flow
What a payment actually looks like
Six steps from your checkout to a settled order. The callback is the source of truth; the status query is the reconciliation path when a network blip eats a notification.
- 01 · Customer
Taps pay
Customer reaches your checkout and picks UPI.
- 02 · Merchant
Create order
POST /api/submit/submitCollect with amount, pay_type and callback_url.
- 03 · rolexpay
Order accepted
Signature verified, channel routed, platform_order_no and pay_link returned.
- 04 · Customer
Authorises
UPI app opens, customer confirms with UPI PIN.
- 05 · rolexpay
Callback
JSON POST to your endpoint with status, fee, utr and sign.
- 06 · Merchant
Verify and fulfil
Recompute the sign, return plain text SUCCESS within five seconds.
Developers
The whole integration is a signature and a POST
No SDK, no OAuth, no token refresh. Form-encoded POST, MD5 signature over ordered values, JSON callback. Copy this into a test script and you have your first order in ten minutes.
$params = [
'user_id' => $userId,
'merchant_order_no' => 'MCH' . date('YmdHis'),
'pay_type' => '1',
'amount' => '1000',
'callback_url' => 'https://merchant.com/callback',
];
$params['sign'] = md5(
$params['user_id'] . $params['merchant_order_no'] .
$params['amount'] . $params['pay_type'] .
$params['callback_url'] . $key
);
// POST /api/submit/submitCollect -> pay_link + platform_order_noPricing
Rates and limits
Entry rates for new merchants. Higher volume moves the number; the settlement terms do not change.
| Product | Entry rate | Fixed fee | Order range |
|---|---|---|---|
| UPI Scan & Pay | 3.00% | — | ₹100 – ₹50,000 |
| Native collection | 8.00% | — | ₹100 – ₹5,000 |
| Payout | 3.00% | ₹6 per transfer | ₹100 – ₹20,000 |
| Monthly fee | None | — | — |
| Failed transactions | Not charged | — | — |
FAQ
Questions merchants ask before they integrate
Do you support UPI collect requests as well as QR?
Both collection modes run through the same endpoint. pay_type=1 returns a hosted page that renders a UPI QR the customer scans or opens on their phone, which wakes the installed UPI app. pay_type=2 hands the payment parameters back to you so your own checkout can finish the flow.
How fast is settlement, and in which currency?
Collection settles T+0 — same day — in INR, with a minimum settlement of ₹100. Volume, timing and any rolling reserve are confirmed per merchant at onboarding, but the cycle itself is same-day.
What happens if a callback never arrives?
Query POST /api/orderquery/collectStatus with your merchant order number. It returns the order status, actual amount, UTR and the callback delivery state, so you can reconcile without asking support.
Is the callback secure?
Every callback carries an MD5 signature over platform_order_no, merchant_order_no, amount, fee and status plus your secret key. Recompute it with the raw received values and reject anything that does not match before touching your ledger.
Which business categories do you accept?
Availability depends on category and volume. Send us your use case on Telegram with expected monthly volume and we will tell you straight away whether it fits the current channel mix.
Which payment methods can customers use?
UPI through Scan & Pay or the native API, plus cards (Visa, Mastercard, RuPay), netbanking from major Indian banks and popular wallets. All of them arrive on the same merchant account with the same signature and callback format, so there is nothing extra to integrate.
Do you charge for failed payments?
No. Fees apply to successful collection and to payouts you submit. Declined or abandoned payment attempts cost nothing.
Telegram
Get test keys today
Message us on Telegram with your business category and expected monthly volume. We send merchant ID, secret key and the test endpoint — usually within the same working day.