0% Commission Direct UPI Payment Gateway
PhonePey by Lushai Dev
Direct-to-bank UPI payment infrastructure with 0% gateway fees. Generate dynamic UPI QR codes, 1-click mobile deep links, and receive automated 12-digit UTR reconciliation webhooks.
phonepey.lushai.dev • Direct Bank UPI Gateway
0% Commission Fee Calculator
How Much Will You Save with PhonePey?
₹2,50,000
₹25,000/mo₹10,00,000/mo₹20,00,000/mo
Quick Select:
Traditional Gateway (2% + GST)
₹70,800 / year lost
Deducted automatically before reaching your bank.
PhonePey Direct Gateway
₹0 Fee (You save ₹70,800!)
100% of customer funds settle instantly into your bank VPA.
Dynamic NPCI UPI QR Generator
Test Instant Dynamic Payment Session
Quick Amounts:
Mobile App Intent Simulation:
PhonePe
Google Pay
Paytm
BHIM UPI
Dynamic Amount: ₹499
Ref: ORD_88492
REST Endpoints & Schemas
Base URL: https://phonepey.lushai.dev/api
POST /api/create-order
curl -X POST https://phonepey.lushai.dev/api/create-order \
-H "Content-Type: application/json" \
-d '{
"user_token": "YOUR_API_TOKEN",
"amount": "499",
"order_id": "ORD_88492",
"customer_mobile": "9876543210",
"redirect_url": "https://yourwebsite.com/callback",
"remark1": "order_checkout",
"remark2": "session_meta"
}'
# Response (200 OK):
{
"status": true,
"message": "Order Created Successfully",
"result": {
"orderId": "ORD_88492",
"payment_url": "https://phonepey.lushai.dev/pay/instant/ORD_88492"
}
}Frequently Asked Questions
Direct settlement, UTR verification, webhooks, and rate policies.