🛡️ Self-Hosted Indian UPI Payment Infrastructure

Direct Peer-to-Bank Payments with Zero Intermediary Fees

OviPay bypasses third-party aggregator 2-3% cut fees. Payments settle instantly direct to your bank account with dynamic QR generation and real-time SMS observer verification.

🔐 Merchant Admin Hub ⚡ API Health (JSON)

⏳ Creating secure test payment session on OviPay API...

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0% Transaction Fees

Keep 100% of your customer revenue. Direct UPI settlements to your VPA or bank QR without aggregator hold periods.

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Dynamic QR & Intent Links

Supports GPay, PhonePe, Paytm, CRED, BHIM with active second-by-second countdown and real-time bank observer verification.

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256-Bit Bank Grade TLS

Isolated SQLite database, AES-256-GCM encrypted credentials, strict Content-Security-Policy and automated Let's Encrypt SSL.

Developer Integration API POST /api/v1/payments

// 1. Initiate a payment session from your backend
const response = await fetch('https://ovipay.oviaxe.com/api/v1/payments', {
  method: 'POST',
  headers: { 'Content-Type': 'application/json' },
  body: JSON.stringify({
    amount: 100.00,
    orderId: 'ORDER_12345',
    customerPhone: '9876543210'
  })
});

const { checkoutUrl } = await response.json();
// 2. Redirect customer to checkoutUrl -> https://ovipay.oviaxe.com/checkout/:id