Directly collecting payment from upi from ecomm/subscription webiste without involving payment gateway: Discussion with chatGpt
Query:
I hv gst n current ac
I wn something like business upi (gpay, phpay, amzpay, etc) for which I cn do some kind of api programming. And generate dynamic upi qr code in my website/ecomm/etc to for customer bill for bill amt. Customer cn scan that qr code n pay directly in my ca ac.
No middle payment gateway involved, so no need to pay outsider any money.
Is it possible in india upi via any upi api, etc directly?
Yes, it is possible in India to integrate UPI-based payment collection using dynamic UPI QR codes without a traditional payment gateway, but there are caveats. Here's a deep dive from both developer and business perspectives.
✅ Your Goal
You want to:
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Collect UPI payments directly into your Current Account (CA) (linked with GSTIN).
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Generate dynamic UPI QR codes or UPI payment links (with customer-specific amounts and descriptions).
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Avoid using Razorpay, Instamojo, Paytm Biz, etc. — no third-party commission.
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Use APIs (GPay-style functionality) from your own backend/frontend.
✅ Is It Technically Possible in India?
✔ Yes, through the UPI Deep Link / Intent format:
UPI allows you to generate deep links and QR codes which any app (GPay, PhonePe, Paytm, etc.) can scan.
✅ Format (UPI Deep Link):
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