About
A simple way to collect UPI payments, without becoming a payment company.
ToroPay gives Indian shops, creators and online sellers a payment link, a QR code and a hosted checkout. The money goes to the merchant's own UPI ID. We keep the record, not the funds.
What ToroPay is
- A way to create a UPI payment link, QR code or small order form in a few minutes.
- A hosted, branded checkout page for businesses that do not have a website.
- A record of what you sold, who paid and what still needs your attention.
What it is not
- A payment gateway, payment aggregator or PSP. It does not authorise or capture payments.
- A wallet or escrow. Money never sits with ToroPay.
- A card, netbanking or international payments product. The core flow is UPI.
- An auto-debit engine. Subscriptions send a fresh payment link each cycle.
How the money moves
When a customer opens a ToroPay payment link, they see your business name and amount, then pay inside their own UPI app (Google Pay, PhonePe, Paytm, BHIM and other UPI apps). The money moves from the customer's bank account to the UPI ID you entered - not to ToroPay.
ToroPay records the checkout, shows the customer's claim, and lets you confirm what arrived in your bank or UPI app. That confirmation is what updates the order. This is deliberately manual for direct UPI, because no third party can see your bank credits.
If you connect an aggregator such as Razorpay or Cashfree, their signed webhook can settle the payment instead. That is a separate, optional integration - not the default flow.
What we optimise for
The merchant decides
For a direct UPI payment, the customer says they paid and the merchant checks their own bank or UPI app before marking it received. ToroPay does not guess.
No fund custody
There is no ToroPay balance to top up and no settlement step. Your customer pays your UPI ID, and the money reaches your bank-linked account.
Free means free
No transaction fees, no paid tier and no per-order commission. Optional donations help cover hosting.
Boring where it matters
Payment status changes are explicit, irreversible status changes are limited, and every change is recorded.
Limits, stated plainly
A tool is easier to trust when it says what it does not do. These are real constraints of the current product, not temporary marketing caveats.
- A payment is only "received" once the merchant confirms it, or a signed provider webhook says so. There is no bank feed that auto-reconciles every UPI credit.
- Refunds are recorded, not moved. You send the money back in your own UPI app and ToroPay keeps the record.
- Subscriptions are reminder links. Customers are not auto-debited.
- WhatsApp messaging is early access and only appears for enabled accounts.
- There is no card, netbanking or international payment flow in the core product.
Read the details before you rely on them
The documentation explains the two payment pipelines, what each status means, and how webhooks and the API behave. If something is still unclear, tell us.