Get paid by GPay, PhonePe, Paytm & every UPI app.
Zero gateway fees.
One QR, every UPI app — GPay, PhonePe, Paytm, MobiKwik, BHIM, WhatsApp Pay, Amazon Pay, FamPay. FamGate turns your FamPay/BharatPe account into a developer-grade gateway verified by email IMAP and the BharatPe merchant API; prefer full-service? Plug in Razorpay, PhonePe, Paytm, Cashfree or MobiKwik (Zaakpay) keys and run the same pipeline. Signed webhooks — straight to your own bank account.
Every Indian payment rail, one integration
FamGate is rail-agnostic — the customer pays from any UPI app, and you choose how the payment is verified behind the scenes.
FamPay
Your FamPay UPI ID + Gmail IMAP verification. 0% fee, no KYC, pays out direct to you.
BharatPe
BharatPe Merchant ID + API token, polled from the enterprise feed. 0% fee, no KYC.
Paytm
Payer app via any UPI QR — or Paytm All-in-One hosted checkout with your own MID.
PhonePe
Payer app via any UPI QR — or PhonePe Standard Checkout (UAT sandbox built in).
Google Pay
Works everywhere UPI works — every FamGate QR, every deep link, every PG checkout. (GPay has no merchant API; it's a payer app.)
MobiKwik
Payer app via any UPI QR — or Zaakpay Express Checkout (HMAC-SHA256, UPI + cards + netbanking).
BHIM & all UPI
BHIM, WhatsApp Pay, Amazon Pay, post-bank VPAs — anything that pays a UPI intent link lands here.
Razorpay · Cashfree
Bring your own keys for hosted checkouts — Payment Links API, cards + netbanking + UPI, signed webhooks.
Three steps to go live
No meetings, no KYC paperwork, no waiting. Connect what you already have.
Connect your account
Direct 0% rails: FamPay (Gmail + App Password) or BharatPe (Merchant ID + API token) — or official gateways: Razorpay, PhonePe, Paytm, Cashfree, MobiKwik. Paste keys in your dashboard; encrypted AES-256-GCM at rest.
Generate API keys
One click creates your fp_live_ key + secret. Drop them into your site, bot or app. Full REST API with HMAC-signed webhooks.
Create an order & get paid
Call POST /api/v1/order/create, show the returned QR/payment link. We detect the incoming payment and mark the order paid automatically.
Everything a gateway needs, nothing it doesn't
Built for Telegram sellers, indie hackers, college fests, small shops and side-projects that just want to accept UPI without losing 2–3%.
FamPay email verification
FamPay has no public merchant API — so FamGate watches your registered Gmail via IMAP, spots payment-confirmation emails, extracts the UTR and settles the order.
BharatPe merchant API
Paste your BharatPe Merchant ID + API token. We poll the BharatPe enterprise feed every few seconds and match SUCCESS transactions by exact amount + UTR.
Official gateway checkouts
Prefer full-service? Plug in Razorpay, PhonePe, Paytm, Cashfree or MobiKwik (Zaakpay) keys. Hosted checkout with UPI + cards + netbanking — settled via each provider's signed webhook into the same pipeline.
Collision-free matching
Each order gets a unique paise offset (₹100 → ₹100.42), so a hundred simultaneous payments never cross-match. No UTR typing required from your customer.
Hosted checkout page
Every order gets a beautiful pay page — QR, UPI deep links (GPay, PhonePe, Paytm, BHIM), live countdown timer and auto-success screen. Embeddable anywhere.
HMAC-signed webhooks
Get payment.verified POSTed to your server with an X-FamGate-Signature header you verify with your secret. Plus delivery logs & retries.
Anti-fraud by design
Global UTR de-duplication blocks replay/double-claim, SSRF-guarded webhooks, encrypted credential vault, per-key rate limits, session hardening.
One plan. Free forever.
We don't touch your money. Customers pay you directly over UPI — we just tell you when it arrived.
- Unlimited orders & API keys
- FamPay IMAP + BharatPe token verification
- Optional: Razorpay / PhonePe / Paytm / Cashfree / MobiKwik(Zaakpay) adapters
- Hosted checkout + dynamic QR
- HMAC-signed webhooks & delivery logs
- Decimal-offset collision-free matching
- Email receipts to customers (SMTP)
Frequently asked questions
Honest answers, because this architecture is unconventional.
Does FamPay have an official merchant API?
No — FamPay is a consumer wallet by FamApp/Trio and does not publish a public merchant collection API. FamGate verifies FamPay payments the way the ecosystem does: by reading the payment confirmation email your FamPay-linked Gmail inbox receives, over IMAP, using a revocable 16-character Google App Password.
Does GPay have a merchant API?
No. Google Pay has no public merchant collection API for third parties. GPay is a payer app — it works through every rail here: UPI (any QR/deep link) and inside Razorpay/PhonePe/Paytm/Cashfree/MobiKwik checkouts. Any "GPay merchant API" you see advertised is marketing for something else.
Can I use official gateways instead?
Yes — bring your own Razorpay / PhonePe / Paytm / Cashfree / MobiKwik (Zaakpay) merchant account and API keys, paste them in Dashboard → Payments, and FamGate creates payments on the gateway, verifies its signed webhook, settles the order and fires your webhook — the same orders dashboard and REST API, no integration changes.
How does BharatPe verification work?
BharatPe's enterprise dashboard (enterprise.bharatpe.in) exposes a transaction feed used by merchants to see QR collections. With your BharatPe Merchant ID and API token you can read that feed; FamGate polls it, matches the SUCCESS transaction to the pending order by its unique exact amount and bank reference (UTR), and settles it automatically.
Where does the money go?
Directly to the UPI VPA / bank account linked to your FamPay or BharatPe merchant account. FamGate never holds, pools or routes funds — we're verification infrastructure, not a payment aggregator.
What is the "decimal offset" and can we turn it off?
To match payments without the customer typing a UTR, each order is quoted at a unique paise amount (e.g. ₹250 → ₹250.17). Toggle it off in Dashboard → Payments if you prefer exact amounts and manual UTR verification.
Is this legal/compliant for my business?
FamGate is a self-hosted tool for your own merchant accounts. You are responsible for complying with RBI/NPCI rules, FamPay & BharatPe terms of service, GST and KYC for your merchant account. Don't use it to process payments for third parties or unlawful goods.
What happens if the email or token breaks?
Orders stay PENDING until the payment window expires. You can hit “Verify by UTR” on the checkout page as a manual fallback, and your webhook simply never fires until verification succeeds — never a false positive.
Start collecting in the next 5 minutes.
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