OpenPayStack
Infrastructure for Independent Merchants

Professional Payment Pages for Your Existing UPI QR.

Accept payments like a global brand. Create custom payment links and checkout flows that settle directly into your bank account—instantly, with zero escrow and zero transaction fees.

No merchant onboarding required.

Infrastructure Promise

Zero Escrow

Money never flows through our servers.

Direct Settlement

Instant T+0 straight to your bank.

No App Downloads

Customers pay using any UPI app they want.

Stop chasing screenshots on WhatsApp.

Automate your payment collection workflow without upgrading to a heavy payment gateway.

Traditional UPI

The Manual Way

1

Send your generic QR code via WhatsApp.

2

Wait for the customer to manually enter the amount.

3

Ask them to send a screenshot of the success screen.

Manually open your bank app to verify the transaction.

OpenPayStack

The Automated Way

1

Share your branded link /@you/course.

2

Customer clicks and pays the exact locked amount instantly.

3

System collects their UTR and confirmation automatically.

Log into Dashboard. 1-click verify and provision access.

One QR Code. Infinite Experiences.

Deploy the exact payment interface your business model requires. Claim your namespace and create as many links as you need.

pay.openpaystack.com/@ngo

Open Amount Links

Let your customers define what they pay. The simplest way to replace sharing a raw QR code image.

FreelancersDonations
...com/@creator/course
₹ 4,999.00

Fixed-Price Products

Lock the payment amount. Create dedicated URLs for specific digital products or service packages.

Digital GoodsConsulting Fees
...com/pay/X8HF72KD
// API Generated Link
const link = await op.links.create({
 amount: 120000,
 expires_in: '15m',
 metadata: { order: '#9912' }
});

Dynamic Checkout Links

Generate single-use, expiring payment URLs on the fly for shopping carts or custom invoicing workflows.

E-CommerceSaaS Billing

Three steps to a professional checkout.

1

Upload your QR

Take a photo of the Google Pay or PhonePe QR code you already use at your business.

2

Brand your links

Add your logo, business name, and create your custom URL namespace in the dashboard.

3

Share & Collect

Send the URL. Customers pay securely, and the money goes instantly to your existing bank.

Run your business from a professional command center.

Manage links, reconcile payments, and track webhook events in an interface designed for speed and clarity.

Recent Settlements

Customer Ref
Link / Method
Amount
Status
cus_upi_8832a
/@acme/course
₹ 2,500.00
Settled
cus_upi_9921b
/@acme
₹ 450.00
Settled
cus_upi_0041c
/pay/X8HF72
₹ 12,000.00
Pending

Let AI handle the screenshots.

When customers upload payment confirmations, our Vision AI automatically extracts the UTR, amount, and timestamp.

  • Extracts messy UTR numbers instantly.
  • Highlights amount mismatches automatically.
  • You maintain final approval control.
payment_success_01.jpgScanned
UTR Detected319204992101
Amount₹ 2,500.00

Powerful APIs for when you need them.

Start with no-code links today, seamlessly transition to full programmatic control tomorrow.

REST API

Generate expiring payment links on the fly from your own backend for seamless shopping cart integration.

Webhooks

Listen for payment.settled events to automatically provision software access or trigger fulfillment.

Security through simplicity.

0 Days

Settlement Delay

₹ 0

Held in Escrow

100%

Direct Bank Routing

Instant

Setup Time

Frequently Asked Questions

Are you a payment gateway?

No. We are software infrastructure for independent merchants. Payment gateways aggregate funds, take a cut, and settle days later. We provide a professional UI layer over your existing UPI QR code. The money routes directly from the customer's app to your bank account instantly.

Can I use my existing Google Pay or PhonePe QR?

Yes. If you have a working UPI QR code linked to your bank account, you can use OpenPayStack. There is no need to open a new current account or undergo a lengthy KYC lock process.

How do I know when I'm paid?

Because we don't touch the money, our system relies on automated confirmation collection. Customers upload their success screen, our AI extracts the UTR, and it appears in your dashboard for 1-click verification against your bank SMS/app.

Ready to upgrade your checkout?

Stop sharing raw images on WhatsApp. Create professional, branded payment pages in minutes using the bank account you already have.