0pay.in Get started free
0 maintenanceNo POS machine to rent

Your phone is the new POS machine.

Collect payments at your counter and on your website from one app. UPI QR, Tap to Pay, payment links, EMI and subscriptions, cards, wallets and net banking, on Android, iPhone and the web.

Get started free Watch how it works
0machines to maintain
7ways to get paid
1app and dashboard

Your customers pay from India's leading banks

Before and after

Ten tools walk in. One app walks out.

Most shops juggle a rented card machine, a QR sticker, a link tool and a website plugin. 0pay.in puts all of it on the phone you already carry.

POS machine rental Paper rolls QR stickers Payment gateway Payment link tool Website plugin EMI tie-ups Subscription tool Excel reconciliation Settlement calls
Tap to Pay on phone Dynamic UPI QR Payment links EMI and subscriptions Website checkout API Digital receipts One live dashboard 0ai answers
What you pay for and look after todayWhat you get in 0pay.in
Inside 0pay.in

Everything a counter and a website need.

Scroll through the five parts of the app. Each screen below is how it works in 0pay.in, filled with sample data.

01 · In store

Take any payment at the counter

No machine to rent, charge or repair. Open the app, enter the amount and let the customer pay the way they like.

  • Tap to Pay on your phone, or enter card details
  • UPI by showing a QR, or sending a request to their UPI ID
  • Payment link by name with a mobile number or email ID
  • EMI on cards for bigger bills
  • Subscriptions for monthly fees and memberships
From the explainer
02 · Online checkout

A checkout your customers already trust

Every online method on one secure page, for your website, app or a link. Try it: pick a payment method.

  • UPI by app intent, UPI ID request or QR
  • Debit and credit cards, with EMI
  • Wallets and net banking across major banks
Pay toSharma Electronics
₹12,499.00
Expires in09:59

Scan and pay with any UPI app

GPayPhonePePaytmUPIBHIM
or enter your UPI ID
yourname@bank Pay securely
100% secure payments · Powered by 0pay.in
04 · 0ai

Meet 0ai. Ask, and it's done.

0ai reads all your transactions. Ask in plain words and it summarises sales, sends links, collects payments and answers questions.

0ai0ai● Online in your 0pay.in appSample data
Ask 0ai anything about your payments
05 · Dashboard and settlement

Every rupee, live, in one place

Counter, links and website payments land in one list. Filter by status or method and see your next settlement to your bank.

  • Settled straight to your bank account
  • Same view on Android, iPhone and web
  • Refunds and reports in a tap
Payments
Sample data
Next settlement · HDFC ••4521₹48,320
Filters
DateToday
MethodAll 7
SourceStore + online
See it work

Every way to get paid, in one minute.

Turn on the sound for the voice-over, or pick a chapter to jump straight to it.

0 maintenance

Nothing to rent, repair or update.

The app updates itself, payments settle on their own and your website checkout stays current. You run the business; 0pay.in looks after the payments.

POS machines to rent and chargeYour phone takes cards and UPI3
Paper rolls and repair visitsReceipts go out by SMS and email4
Plugins and gateways to maintainOne API and a hosted checkout6
Security

Managed by RBI-authorised payment aggregators.

Payments on 0pay.in are processed and settled through multiple RBI-authorised payment aggregators, straight to your bank account.

Customer paysUPI, card or link
RBI-authorised aggregatorProcesses it
Your bankMoney settles
AWSHosted on Amazon Web Services
ISO/IEC 27001Information security management
PCI DSSCard data security standard
RBI-authorisedPayment aggregator partners

AWS, ISO and PCI DSS are trademarks of their respective owners. Bank names are shown for information and do not imply endorsement.

Who it's for

Built for the way you sell.

From one counter to a national D2C brand, the same app handles your store and your website.

01

E-Commerce and D2C

Checkout on your site with UPI, cards, EMI and wallets.

02

B2B and SaaS

Invoice links and API collections for large tickets.

03

Subscriptions

Monthly plans with UPI AutoPay and card mandates.

04

Omnichannel and hybrid

Store and online sales in one dashboard.

05

Education

Fees by link, monthly tuition on autopay.

06

Retail and convenience

QR and Tap to Pay at the counter, no machine.

07

Healthcare

Consultation and pharmacy bills, in clinic or by link.

08

Something else?

Tell us your business and we'll set it up for you.
For developers

Website payments with one API.

Create an order, send your customer to the hosted checkout and get a webhook when it's paid. Every method in the app is available to your website.

POST /v1/ordersIllustrative example
// amount is in paise
{
  "amount": 1249900,
  "currency": "INR",
  "customer": { "name": "Priya Verma", "phone": "+9198XXXXX210" },
  "methods": ["upi", "card", "emi", "wallet", "netbanking"],
  "redirect_url": "https://yourstore.in/thanks"
}
Onboarding

Start collecting today.

1

Sign up

Download the app or use the web, and sign up with your mobile number.

2

Finish KYC in the app

Add your business PAN and bank account. Our team helps if you get stuck.

3

Collect payments

Show a QR, tap a card or send a link. Money settles to your bank.

Illustration · sample details
FAQ

Still thinking?

Here's what business owners usually ask. Anything else, our team answers on the call.

Talk to us
Do I still need a POS machine?

No. Tap to Pay works on supported NFC phones, and you can also enter card details, show a UPI QR or send a payment link. There is no machine to rent or maintain.

What do I need to sign up?

Your mobile number, business PAN and bank account details for KYC. Our team tells you exactly what your business type needs.

How and when do I get my money?

Payments are processed by RBI-authorised payment aggregators and settled to your bank account. The app shows each settlement and the date it reaches you.

What are the charges?

Pricing depends on the payment method and your business category. Our team shares your pricing on the call, before you start.

Can I offer EMI and subscriptions in my store?

Yes. Card EMI and subscriptions work for in-store customers as well as online, from the same app.

Can I accept payments on my website?

Yes. Use the 0pay.in API and hosted checkout to accept UPI, cards, EMI, wallets and net banking on your website or app.

What is 0ai?

0ai is the assistant inside 0pay.in. It summarises your transactions, creates and sends payment links, starts a collection and answers questions about any payment.

Get started

Time to retire the POS machine.

Tell us about your business and our team will call to set up 0pay.in for your store and website.

  • Free to sign up, with help on KYC
  • Android, iPhone and web from day one
  • 0 maintenance, nothing to rent
Get it onGoogle Play Download on theApp Store
Illustration with voice-over · sample amounts and names
 Get a free callback