Frequently Asked Questions (FAQ)

Q: What is the difference between a Payment Gateway and Dynamic QR Code Generation?

UPI Scanner is NOT a payment gateway. We provide dynamic QR code generation services. A Payment Gateway processes payments, holds funds, and transfers them to your account (usually with fees). Dynamic QR Code Generation creates unique QR codes for each transaction, and payments go directly to your bank account with 0% fees. We don't hold or process your money - it goes straight to your bank.

Q: How does UPI Scanner work?

UPI Scanner generates unique dynamic QR codes for each payment request. When your customer scans the QR code and pays via any UPI app, the money is transferred directly to your linked bank account. We notify you via webhook when the payment is completed.

Q: Is there really 0% transaction fee?

Yes! We charge 0% transaction fees. You keep every rupee your customers pay. We only charge a small monthly subscription fee based on your plan.

Q: How long does it take to receive payments?

Payments are instant! Since money goes directly to your bank account via UPI, you receive it immediately - usually within seconds of the customer completing the payment.

What is the difference between a Payment Gateway and Dynamic QR Code Generation?

⚠️ Important Clarification:

UPI Scanner is NOT a payment gateway. We provide dynamic QR code generation services.

Payment Gateway:

Processes and holds your payments
Acts as an intermediary between customer and merchant
Charges transaction fees (typically 2-3%)
Transfers money to your account after settlement period
Requires compliance with payment regulations
Examples: Razorpay, PayU, Paytm Payment Gateway

Dynamic QR Code Generation (What We Do):

Generates unique QR codes for each transaction
Money goes directly to your bank account
0% transaction fees - you keep every rupee
Instant settlements - receive money in seconds
We only notify you when payment is received
We never touch or hold your money

💡 Think of it this way:

We're like a smart QR code generator that creates unique codes for each payment and tells you when someone pays. The actual payment happens directly through UPI between your customer and your bank - we're not involved in the money transfer at all!

How does UPI Scanner work?

Here's how it works in 5 simple steps:

Step 1: You integrate our API into your website/app
Step 2: When a customer wants to pay, you call our API to create an order
Step 3: We generate a unique dynamic QR code for that specific transaction
Step 4: Customer scans the QR code with any UPI app (Google Pay, PhonePe, Paytm, etc.)
Step 5: Money is transferred directly to your bank account, and we notify you via webhook

The entire process takes just a few seconds, and you receive the money instantly in your bank account!

Is there really 0% transaction fee?

Yes, absolutely! 0% transaction fees means:

If a customer pays ₹1000, you receive exactly ₹1000
No hidden charges or deductions
No percentage cuts on transactions
You keep every single rupee your customers pay

Our pricing model: We charge a small monthly subscription fee based on your plan (number of QR codes, features, etc.). This allows us to offer 0% transaction fees, which is much more cost-effective than traditional payment gateways that charge 2-3% per transaction.

How long does it take to receive payments?

Payments are instant!

Since the money goes directly to your bank account via UPI (not through us), you receive it immediately - usually within seconds of the customer completing the payment.

No waiting periods:

No T+1, T+2, or T+7 settlement cycles
No holding periods
No manual withdrawal requests
Money appears in your bank account instantly

How difficult is the integration process?

Integration is simple and straightforward!

If you have basic programming knowledge, you can integrate UPI Scanner in under 2 hours. Here's what you need:

Basic Requirements: Knowledge of REST APIs and your preferred programming language (PHP, Node.js, Python, etc.)
Documentation: We provide comprehensive documentation with code examples
Support: Our team is available 24/7 to help you
Testing: Test environment available for integration testing

Check out our Integration Guide for detailed instructions and code examples.

Is UPI Scanner secure?

Yes, security is our top priority!

No Money Handling: We never touch or hold your money - it goes directly to your bank
Encrypted Communication: All API calls use HTTPS encryption
Secure Webhooks: Webhook notifications are signed and verified
API Token Security: Unique tokens for each merchant with regeneration capability
UPI Security: Payments use UPI's built-in security (2-factor authentication, PIN protection)
Data Protection: Your customer data is encrypted and securely stored

Which UPI apps are supported?

All UPI apps are supported!

Our dynamic QR codes work with any UPI-enabled app, including:

Google Pay (GPay)
PhonePe
Paytm
Amazon Pay
BHIM
WhatsApp Pay
Bank UPI apps (SBI Pay, HDFC Bank, ICICI iMobile, etc.)
Any other UPI-enabled application

Your customers can use their preferred UPI app - no restrictions!

How do I know when a payment is received?

We notify you in real-time via webhooks!

When a customer completes a payment:

Instant Webhook: We send a POST request to your configured webhook URL with payment details
Dashboard Notification: Payment appears in your merchant dashboard immediately
Email Notification: You receive an email confirmation (if enabled)
API Status Check: You can also check payment status anytime using our Check Order Status API

The webhook notification includes all important details: order ID, amount, UTR number, customer mobile, timestamp, and payment status.

Can I issue refunds?

Refunds are handled directly by you.

Since payments go directly to your bank account (we don't hold the money), refunds work differently:

Direct Refund: You can refund customers directly from your bank account via UPI or bank transfer
Your Control: You have full control over refund decisions and timing
No Waiting: No need to wait for payment gateway approval or processing
Transaction Record: Keep records of refunds in your system for accounting

This gives you more flexibility and control compared to traditional payment gateways where refunds must go through their system.

What kind of support do you provide?

We provide comprehensive 24/7 support!

WhatsApp Support: Quick responses via WhatsApp (available 24/7)
Email Support: Detailed support via email
Documentation: Comprehensive guides and API documentation
Integration Help: Technical assistance during integration
Troubleshooting: Help with any issues or errors
Dashboard Support: Submit tickets directly from your merchant dashboard

Our support team is experienced and ready to help you succeed!

Are there any transaction limits?

Transaction limits depend on UPI regulations and your plan:

UPI Limit: Standard UPI transaction limit is ₹1,00,000 per transaction (set by NPCI)
Daily Limit: Depends on your customer's bank and UPI app settings
QR Code Limit: Based on your subscription plan (number of dynamic QR codes you can generate)
No Monthly Volume Limit: Process unlimited transaction value (no restrictions on total amount)

For higher limits or custom requirements, contact our support team to discuss enterprise plans.

How do I get started?

Getting started is easy! Follow these steps:

Step 1: Register for a free account
Step 2: Complete your business profile and verify your email
Step 3: Wait for account approval (usually within 24 hours)
Step 4: Generate your API token from the Developers section
Step 5: Follow our Integration Guide to integrate
Step 6: Test with small amounts and go live!

Need help? Our support team is ready to assist you at every step!

Frequently Asked Questions

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