iPhone
A Shortcuts automation forwards your bank's "credited" SMS the moment it arrives. Five minutes to set up, no app to install.
UPI checkout for Indian stores
UPI payments with no gateway in the middle.
Buyers pay your own UPI ID. Bliink Pay reads your bank's credit alert and confirms the order in seconds. 0% fees. The money is in your account before the buyer closes their UPI app.
- Any UPI app: GPay, PhonePe, Paytm, BHIM
- Works with iPhone and Android
- Shopify, WooCommerce, any website
The buyer scans and pays ₹498.73.
0%platform fees
Instantmoney in your bank
Secondsto confirm an order
99buyers at once per price
How it works
No payment licence, no aggregator account, no bank API. Just your UPI ID and the alerts your bank already sends you.
- 1
Your store creates the order
Bliink Pay gives it an exact amount a few paise below the price, like ₹498.73, plus a UPI QR and pay buttons.
- 2
The buyer pays your UPI ID
From any UPI app, straight into your bank account. Nothing passes through us, so there's nothing to hold back or freeze.
- 3
Your bank's alert confirms it
Your bank sends its usual "credited" SMS, email or app alert. Bliink Pay matches the exact amount and marks the order paid, then tells your store.
The paise trick
Bank alerts don't carry your order number, only the amount. So every open order gets its own amount: the price minus 1 to 99 paise. A ₹498.73 credit can only belong to one order.
Buyers pay a little less, never more. Other self-hosted UPI tools make buyers queue, one at a time. Here, 99 people can buy the same ₹499 item at the same moment.
Open orders for ₹499.00 on yourshop@ybl
No one is paying yet. Add a buyer.
Three ways to see payments
Pick what fits your phone. Use two, and if one is late the other still confirms the order.
Forward your bank's credit emails to a separate inbox. Only emails that carry your bank's real signature (DKIM) are trusted, so fakes are ignored.
Android
A small observer app reads bank SMS and notifications from PhonePe Business, Paytm for Business and others. Every message is signed.
Works where you sell
- ShopifyAdd "UPI" as a payment method. The QR shows on the thank-you page and the order is marked paid on its own, tagged with the UTR.
- WooCommerceInstall the plugin, paste your key. Classic and block checkout.
- Any PHP siteOne file, no Composer: create an order, verify the webhook.
- Any websiteOne script tag opens the checkout in a popup.
<!-- on your page -->
<script src="https://pay.bliink.in/pay.js"></script>
// after your server creates the order
BliinkPay.open(order.checkout_url, {
onPaid: e => showThanks(e.utr)
});
// your server: fulfil from the signed webhook
POST /your-webhook order.paid
X-BliinkPay-Signature: sha256=…What you keep
Payment gateways usually take around 2% plus 18% GST on that fee, and pay you out days later. Bliink Pay takes nothing, and UPI payments from bank accounts to a business UPI ID usually carry no charge either.
₹3,00,000 a month
Typical gateway (2% + GST)₹7,080a month
With Bliink Pay₹0a month
You keep each year₹84,960more
Good questions
Does my money pass through Bliink Pay?
Never. Buyers pay your UPI ID directly and the money lands in your bank account. Bliink Pay only reads the alert that says it arrived, so it can't hold or freeze your money.
What if a buyer pays the wrong amount, or an alert is late?
The buyer can enter the 12-digit UTR from their UPI app on the payment page, and it's matched as soon as the alert shows up. You can also link any payment to an order by hand. Credits that arrive up to 30 minutes after the timer ends still count.
Can someone fake a bank SMS or email?
SMS are only accepted from the bank sender codes you trust, sent by your own paired phone. Emails must carry your bank's DKIM signature, as checked by Gmail. A UTR can only ever pay one order.
Which UPI ID should I use?
A business UPI ID, from PhonePe Business, Paytm for Business, GPay for Business or BharatPe. It avoids the limits on personal accounts and has no transaction charges.
How do refunds work?
Send the money back from your UPI app as usual. Bliink Pay never had the money, so it can't send it back for you.
Keep every rupee you earn.
Bliink Pay is in early access for Indian stores.
Talk to Bliink