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Security

Every payment protected, end to end.

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

Get started free
01 · How money moves

Every payment protected, end to end

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

  1. Payment is encrypted
  2. Processed by an RBI-authorised aggregator
  3. Settled to your bank
  • The customer pays by UPI, card or link
  • An RBI-authorised payment aggregator processes it
  • The money settles to your bank account
Illustration · sample data
Watch with sound
02 · Settlement

Straight to your bank account

Every payment lands in one list, and each settlement to your bank shows in the app with its date.

  1. Every payment lands in one list
  2. Totals update live
  3. Settled to your bank account
  • Settled to the bank account you verify at KYC
  • Each settlement and its date in the app
  • Refunds and reports from the same screen
Illustration · sample data
Watch with sound
Standards

What the badges mean.

A plain-language note on each standard shown on our pages.

AWSHosted on Amazon Web Services

The app and data run on Amazon Web Services infrastructure.

ISO/IEC 27001Information security management

An international standard for how information security is managed.

PCI DSSCard data security standard

The card industry standard for handling card payment data.

RBI-authorisedPayment aggregator partners

Payments are processed by payment aggregators authorised by the RBI.

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

Staying safe

Four habits that keep your money safe.

Never share an OTP, PIN or password

No one from 0pay.in needs them. Treat any call or message asking for one as fraud.

Confirm payments in the app

Check the payment status in 0pay.in before handing over goods, not a screenshot from the customer.

Check the amount first

Look at the amount on the screen before the customer taps or scans.

Keep your phone locked and updated

Use a screen lock and install system updates on the phone you take payments on.

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Tell us about your business and our team calls you back to set it up.

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Illustration with voice-over · sample amounts and names