Six ways money moves
Collections and disbursements, a funded wallet to run them from, and the commercial layer to do it under your own brand.
Collect from any mainstream method
A single integration covers every method. Add one without touching your code — the checkout builds itself from what your account is enabled for.
- Cards — Credit, debit and prepaid with 3-D Secure step-up, and automatic failover to another acquirer on decline.
- UPI — Collect requests, intent links and QR for on-screen and in-person flows.
- Net banking — Bank-hosted redirect with automatic return and status reconciliation.
- Wallet payments — Wallet selection and routing built end to end, ready for a provider to be connected.
Start accepting payments in 3 steps
From integration to settlement — everything is streamlined so you can focus on growing your business.
Integrate
Call the REST API directly or point customers at the hosted checkout. Test and live keys are separate, and the sandbox behaves like production — including the failures.
Accept Payments
Cards, UPI, net banking and wallets through one integration, with 3-D Secure and acquirer failover handled for you.
Get Settled
Settlement runs on your own T+0 to T+7 cycle, automatically or on approval, with every movement recorded in a double-entry ledger you can audit.
Accept the way your customers want to pay
One integration covers every method. The checkout builds itself from whatever your account is enabled for, so adding one later costs you no code.
Cards
- Credit cards
- Debit cards
- Prepaid cards
- 3-D Secure step-up
Bank rails
- UPI collect & intent
- Net banking
- UPI QR
Wallets
- Wallet checkout
- Merchant wallet balance
No integration needed
- Payment links
- Hosted checkout
What our customers say
“We switched to UniPay a few months ago, and honestly, it's been smooth since day one. Setup was quick and payments now go through without the issues we faced earlier.”
“UniPay made things much easier for us. Customers can pay without confusion, and we get settlements on time. It's simple, reliable and works well for our daily business needs.”
“Integration didn't take long, and everything started working right away. We've noticed fewer failed payments and our customers no longer complain about checkout.”
“What I like most is the variety of payment options. Our customers can choose what suits them and the process feels smooth. It's been a good upgrade.”
“We needed something stable, and UniPay delivered. Payments are fast and we haven't faced downtime so far. It just works — exactly what we were looking for.”
“Our checkout experience is much better now. Customers complete payments easily and we've seen a boost in sales too. UniPay made a real difference.”
Frequently asked questions
Try UniPay for your business today
Everything you need to accept payments and grow. Submit your details and our team will get back to you within 24 hours.