What's New in ToroPay: Every Feature and How to Use It

ToroPay has grown well past a single "create a link" button. Today it is a full, free toolkit for getting paid over UPI in India: payment links and QR codes, a transaction desk where you confirm what actually reached your bank, analytics, reusable templates, delivery and courier tracking, and a small developer platform for automating the whole thing.

This guide walks through every feature in the dashboard and the exact steps to use it. If you are brand new, start with the step-by-step setup guide, then come back here for the complete tour.

Your dashboard at a glance

The left-hand menu is organised by the job you are doing:

• Get paid — Overview, Payment Links, Transactions
• Business — Analytics, Messaging, Templates, Delivery, Couriers
• Setup — UPI IDs, Branding, Settings
• Developers (folded away by default) — Website Integration, API keys & webhooks

On a phone, a New link button stays one tap away on every page, and the menu collapses into a drawer.

1. Payment links

A payment link is a shareable page your customer opens to pay you over UPI. You create one from Payment Links → New Link.

Quick Link or Sell Items

You can build a link two ways. Quick Link is for a single payment — a deposit, an invoice, a one-off charge. Sell Items turns the link into a small order form where the customer picks products or services, and each item can carry a description, price, image, and a fulfilment type (delivery, pickup, both, or digital).

Fixed amount or let the customer decide

Choose a fixed amount, or switch to Customer enters amount when you want the payer to fill in the figure (a tip, a donation, a pay-what-you-owe settle-up). With that option you can set a Min and Max so the amount stays within sensible bounds.

Limits and expiry

Under the advanced options you can cap how many times a link can be paid. Set "Stop after (paid payments)" to any number from 1 up to 100,000 — perfect for a limited drop or the first N sign-ups. You can also set an Expires on date; after that day the link shows a friendly closed page. Expiry is calculated in India time. If a checkout is started and then abandoned or rejected, that use frees up again, so only real payments count against the limit.

Custom fields

Add custom fields to collect what you need before payment — text, number, email, or a multiselect dropdown. Use them for sizes, delivery notes, GST numbers, session slots, or anything else you would otherwise chase over chat.

Button text, redirect and webhook

You can rename the pay button from the default "Continue to Pay", send customers to a Redirect URL after they pay, and attach a per-link Webhook URL for automation (more on that in the developer section). When you are done, hit Create Payment Link — or Create & Share Link to copy it straight to a channel.

2. QR codes and printable posters

Every payment link has a matching QR code. Because the QR opens the real hosted payment page, a scan is recorded as an actual checkout visit — so you can see how your offline codes perform, not just your links. Open a link's detail page and choose QR Code to download the PNG, or generate an A4 poster designed to be saved as a PDF and printed for your counter, packaging, or invoices.

3. Transactions

Transactions is the single place every payment attempt lands. Filter with the built-in views — All, Customer says paid, Paid, Started, and Rejected — search across them, and open any row for the full detail. You can also Export CSV of what you see, which is handy for accounting or GST filing.

The statuses are written in plain language: Started means a checkout was opened (it becomes Abandoned after 30 minutes of inactivity), Customer says paid means the payer tapped "I've paid", Paid means you confirmed it, and Rejected means it did not go through.

4. Confirming payments

Because ToroPay never touches your money — it goes straight to your UPI ID — you are the source of truth on whether a payment landed. The Overview page surfaces a needs your action queue of everyone who claimed a payment, and each row has Confirm and Reject buttons. Confirming marks the transaction Paid and fires your payment.success webhook; rejecting marks it Rejected.

To avoid missing one, turn on payment alert emails in Settings → Notifications. When a customer says they have paid, ToroPay emails you the amount, the link name, and the transaction reference, with a button straight to Transactions. For safety the alert never includes anything the customer typed, and alerts are rate-limited so your inbox cannot be flooded.

5. Analytics

Analytics turns your payments into charts. Switch between 7 days, 30 days, and This month, or set a custom from/to range. You get KPI cards plus an Orders Over Time line, a Payment Volume chart, a Payment Status breakdown, and your top performers. Everything is calculated in India time and can be exported to CSV.

6. Templates

If you create the same kind of link again and again, save it as a Template. From Templates → Save from latest link, ToroPay captures a link's title, description, amount, flexible amount settings, min/max, custom fields, and webhook URL. Next time, pick the template and the New Link form is prefilled — so you only change what is different.

7. UPI IDs

UPI IDs is where you add the UPI addresses customers pay to. Enter a VPA (something like yourname@bank), add it, and mark one as Primary — the default for new links. You can keep several on file and remove old ones at any time, and there is an add-a-UPI control built into the New Link form so you never have to leave mid-setup.

One honest note: the Verify step checks that the VPA is correctly formatted — it is not a live bank verification. To be certain an ID works end to end, send yourself a small test payment first.

8. Branding

Branding controls what your customers see on the checkout page: your logo, primary and secondary brand colours, font, button style, page theme, and an optional background image. A consistent, branded page converts better than a generic one. Note that the business name shown to customers on payment pages and receipts is set in Settings → Business profile, so keep the two in sync.

9. Messaging templates

Messaging lets you edit the confirmation message customers receive, per channel. Email is live today: set a Subject Line and Message Body, drop in Available Variables (like the customer's name or the amount), use the LIVE PREVIEW, and Save Template — or Reset to Default if you change your mind. WhatsApp and Instagram appear as channels and currently show a Coming soon badge. There is also an Email Opens tab that tracks whether your transactional emails were opened.

10. Delivery and couriers

When you sell physical items with a Sell Items link, ToroPay tracks fulfilment in Delivery. From there you can follow each package through its statuses, download shipping labels where the courier supports them, and handle returns and RTO (return-to-origin) cases. Under Couriers, connect a courier partner by entering its credentials, copy the webhook URL it needs, run a Test connection, and Sync to pull the latest tracking updates. Delivery and couriers only apply to items marked as delivery (or both); digital and pickup items skip this step entirely.

11. Settings

Settings holds three tabs. Business profile sets the Business name your customers see (and that appears in their UPI apps), plus optional support email and phone. Notifications holds the Email alerts toggle and the address they go to. Security has Sign out other devices, which ends every other logged-in session while keeping the current one — useful the moment you suspect a shared password.

12. For developers: website integration, API keys and webhooks

The folded Developers group is where ToroPay plugs into your own systems.

Website integration

From Website Integration you create an API key — in Test or Live mode — and use it to open a checkout from your own website or backend. You send a request to POST /api/v1/orders with your key in an Authorization: Bearer header, a merchant order reference, the customer, and the items; the response hands back a checkout_url to send the buyer to. This is a server-to-server call, so keep secret keys on your server and never in browser code.

API keys and webhooks

API keys & webhooks lets you issue keys with a scope (secret for read and write, publishable for browser-safe use) and a mode, then Rotate or Revoke them later. Keys are shown once at creation, so copy and store them safely. The same page holds your webhook signing secret.

When a payment changes state, ToroPay can POST it to your webhook URL — payment.success, payment.failed, or payment.pending — with fields like the transaction id, amount, status, customer details, payment app, and link title. Each request is signed with an X-ToroPay-Signature header (an HMAC-SHA256 of the body) so you can verify it is genuine, and includes an event id you can use to de-duplicate. Failed deliveries retry automatically with a widening backoff schedule for up to 48 hours before giving up.

What ToroPay is not (yet)

Being straight about the edges helps you plan. ToroPay is a UPI-first platform and is not a payment gateway — it does not process or hold funds, so it does not support cards, net banking, wallets, or international payments, and it does not charge a transaction fee. A few capabilities are deliberately limited today: you cannot issue refunds from the dashboard, merchant two-factor authentication is not available yet, WhatsApp and Instagram messaging are still "coming soon", and webhook delivery logs live on your own server rather than in ToroPay. If any of these matter to how you work, they are worth knowing before you build around them.

Frequently asked questions

Is all of this really free?

Yes. Every feature here — links, QR codes, analytics, templates, delivery, API keys and webhooks — is free, with no transaction fees, no paid plan, and no hidden charges.

Do I need a website to use these features?

No. ToroPay hosts the payment page for you. Share a link or a QR code and your customer pays over UPI. The website integration is optional, purely for businesses that already have their own site.

Can I reuse a payment link?

Yes. Links are reusable by default. Use Stop after (paid payments) or an Expires on date when you want a link to be single-use or time-limited.

How do customers actually pay?

They open your link or scan your QR code, see your branded page, and pay from any UPI app — Google Pay, PhonePe, Paytm, BHIM, and others — with the amount pre-filled. The money goes straight to your own UPI ID.

Can I automate confirmation and fulfilment?

Yes. Create an API key, set a webhook URL (globally or per link), and ToroPay will POST signed events to your system whenever a payment succeeds, fails, or is claimed — so your orders and records stay in sync automatically.

Create your free ToroPay account →