ToroPay
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Getting started

Create an account, add a UPI ID, make a payment link and complete the first payment.

What you need

A UPI ID linked to your bank account. ToroPay does not need your bank password, card details or a website.

An email address for the account. Google sign-in is also supported.

1. Create the account

Sign up with an email address and password, or continue with Google. A verification email is sent before some account actions are allowed.

The account belongs to a merchant. Team members can be invited later from Settings.

2. Add your UPI ID

Open the UPI IDs section and add the address where you want money to land, for example name@bank.

ToroPay checks the format of the UPI ID. It does not verify that the bank account belongs to you - the money still goes to whichever account owns that UPI ID, so enter your own.

You can mark one UPI ID as primary. Payment links can use any of your active UPI IDs.

3. Create a payment link

Give the link a title, a fixed amount (or allow the customer to choose), and optionally a description, custom fields, a use limit and an expiry date.

For products, build an order form instead: add items, quantities, tax, shipping and a coupon. The server re-checks the amount before a transaction is created.

Branding - logo and colours - is set once and appears on the hosted checkout.

4. Share it

  • Copy the link and send it on WhatsApp, Instagram, SMS or email.
  • Download the QR code or print the poster for a counter or invoice.
  • Embed the link anywhere that accepts a URL.

The customer opens the link, sees your business name and amount, and pays inside their own UPI app. The money goes directly to your UPI ID.

The customer then taps "I have paid". This is a claim, not a confirmation. Check your bank or UPI app and mark the payment paid. That is what advances the order.

If the customer paid but never tapped the button, the payment stays Started (or becomes Abandoned after 30 minutes). You can still confirm it.

What happens automatically

  • A confirmation awards loyalty points and can export the row to Google Sheets, if enabled.
  • A subscribed webhook receives payment.confirmed or payment.rejected.
  • The customer can receive an email (and WhatsApp, if early access is enabled and a phone number is saved).