Launching Q2 2026

Direct-to-Bank Payments.
Zero Fees. Instant Settlement.

VyxPay connects merchants directly to their bank accounts. No payment gateway middleman. No 2% transaction fees. Money lands instantly.

Built for wholesalers, retailers, and DTC brands across India

0%
Transaction Fees
T+0
Settlement Speed
99.99%
Reconciliation Accuracy

Why Merchants Choose VyxPay

Everything you need to accept payments directly into your bank account.

0% Transaction Fees

No percentage-based cuts. No hidden charges. Every rupee your customer pays lands in your bank account.

Save ~₹12,000/yr on ₹50K/mo volume

T+0 Instant Settlement

Money arrives in your bank account the moment a customer pays. No T+1 or T+2 delays. No float pool.

vs T+1 to T+2 at traditional gateways

Smart Reconciliation

Automatically matches every UPI payment to your orders using UTR and amount verification. No manual bank statement checking.

Eliminates hours of manual work

Direct Bank Connection

Connect IDFC, ICICI, or Axis via OAuth. Read-only access. You stay in control.

Software Soundbox

Voice alerts on payment arrival. No hardware needed. Works on any device.

Developer-First SDK

Drop in a single script tag. Generate Dynamic QR codes. Receive webhook confirmations.

How VyxPay Works

Four simple steps. No complexity.

1

Connect Your Bank

Link your IDFC, ICICI, or Axis bank account via secure OAuth. Read-only access. Takes 60 seconds.

2

Generate Payment Links

Create Dynamic QR codes locked to specific amounts, or Static QR codes for your storefront. Share via WhatsApp or embed on your checkout page.

3

Customer Pays via UPI

Customer scans the QR in any UPI app. Payment goes directly to your bank account. No middleman.

4

Instant Confirmation

VyxPay detects the bank credit, matches it to your order, and fires a webhook to your system. Your dashboard updates in real-time.

Built for Developers

Integrate VyxPay in minutes, not weeks. One script tag. Standardized webhooks. Zero PCI-DSS burden.

checkout.html
// Drop-in checkout integration
<script src="https://cdn.vyxpay.com/v1/vyxpay.js"
        data-key="pk_live_xxxxxxxxxxxxx">
</script>

<script>
  VyxPay.createPayment({
    amount: 125000,  // in paise
    orderId: 'ORDER-12345',
    onSuccess: (payment) => {
      console.log('Paid!', payment.utr);
    }
  });
</script>
webhook payload
// HMAC-SHA256 signed webhook
{
  "event": "payment.confirmed",
  "order_id": "DP-ORDER-12345",
  "utr": "IDFC2026030312345678901",
  "amount": "1250.00",
  "currency": "INR",
  "status": "confirmed",
  "timestamp": "2026-03-09T10:30:00Z",
  "signature": "X-VyxPay-Signature"
}
Headless SDK < 15kb gzipped
HMAC-SHA256 signed webhooks
Dynamic & Static QR generation
UPI deep-link with manual fallback
Real-time SSE credit feed
Standardized JSON payloads

Transparent Pricing

Zero fees. No fine print. No hidden charges.

Traditional Payment Gateways
Razorpay 2.00%
PayU 2.00%
Cashfree 1.95%
Settlement T+1 to T+2
Reconciliation Manual
Recommended
VyxPay
0% per transaction
T+0 Instant Settlement
Automated Reconciliation
Direct Bank OAuth
Software Soundbox included
Free during early access

How much will you save?

Enter your monthly transaction volume

per month
₹10,000 /month ₹1,20,000/year

Get Early Access

Be among the first merchants to eliminate payment gateway fees. We'll notify you when VyxPay launches.

We'll only email you about VyxPay launch updates. No spam.