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How It Works

Simply follow the Payment moves toward

It's simpler than you . Follow 7 straightforward simple tasks.

Step 1

Create your Account

Step 2

Select Payment Method

Step 3

Top-Up Your Wallet Using Our Gateway

Step 4

Scan QR code or Enter Receiver Email and Make Payment in Second

Step 5

Payment Done By Upay (Settled into Receiver Upay Account )

Step 6

Receive Money From Anyone in Rupees

Step 7

Withdrawal Your Funds in 40+ Currency Instantly into Your Bank Account

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About Upay

Quick, Secure Pay , Receive and Withdraw With Upay

At Upay, we're on a mission to make financial transactions seamless and accessible to everyone, everywhere. Our team of dedicated professionals is committed to delivering cutting-edge payment solutions that meet the evolving needs of our users and merchants. With a focus on innovation, security, and user experience, Upay is your trusted partner in the digital economy. Upay is revolutionizing the way individuals and businesses transact globally. With our innovative platform, users and merchants can send and receive payments in INR Rupees currency effortlessly, without the hassle of traditional KYC formalities. At Upay, we believe in simplicity, security, and accessibility, empowering you to manage your finances with ease and confidence.

QRCode Money Transfer

Effortlessly transfer money by scanning QR codes, ensuring quick and secure transactions. In today’s fast-paced world, QRCode money transfer offers a seamless and instantaneous method of moving funds. With Upay, you can simply scan a QR code and transfer money directly to the recipient's account, making payments more straightforward and efficient than ever before. Whether you are splitting a bill at a restaurant, paying for groceries, or sending money to a friend, QRCode money transfer ensures that the process is both quick and secure.

Make Payment to Anyone

Seamlessly make payments to merchants and individuals with just a few taps. Upay offers a streamlined payment process, allowing users to make payments with minimal effort. Whether you are paying for a coffee, purchasing items online, or settling utility bills, Upay’s intuitive interface makes it easy to complete transactions in seconds. The app supports a wide range of payment methods, including debit/credit cards, bank transfers, and digital wallets, giving users flexibility and choice. Additionally, Upay’s robust infrastructure ensures that payments are processed swiftly and accurately, providing both the payer and payee with instant confirmation.

NO KYC and Instant Account Activation with Zero Formalities (Direct accept and Pay Money )

NO KYC and Instant Account Activation with Zero Formalities (Direct Accept and Pay Money) Upay simplifies the payment process with NO KYC and instant account activation, enabling immediate access and use without lengthy procedures or documentation. Key Features: Immediate Access: Download the app, create an account, and start transacting instantly. Zero Formalities: No cumbersome paperwork or verification processes. Direct Transactions: Accept and pay money instantly without intermediaries. Enhanced Experience: Focus on managing money without verification hurdles. Secure & Compliant: Advanced security measures ensure data protection and regulatory compliance. Ideal for freelancers, small businesses, and individuals needing quick, efficient financial services.

Advanced Security System

Benefit from state-of-the-art security measures, keeping your transactions and personal data safe. Security is a top priority for Upay, and the app is equipped with cutting-edge security features to protect users' financial and personal information. These include multi-factor authentication, encryption of data, and real-time fraud detection. Upay employs advanced algorithms to monitor transactions for any unusual activity, promptly alerting users and preventing potential fraud.

Mobile Top Up

Conveniently top up your mobile balance anytime, anywhere. With Upay, topping up your mobile balance is a breeze. Whether you are at home, at work, or on the go, you can quickly add credit to your mobile phone with just a few taps on the app. Upay supports top-up services for a wide range of mobile network operators, both locally and internationally. The app also offers promotional deals and discounts on top-ups, helping users save money. Upay’s user-friendly interface ensures that the top-up process is straightforward, with instant confirmation and receipt of the transaction.

Mobile Wallet

Store your funds securely in your Upay mobile wallet for easy access and management. The Upay mobile wallet provides a secure and convenient way to store and manage your funds. Users can load money into their wallet from various sources, including bank transfers, credit/debit cards, and other digital wallets. The mobile wallet allows for quick and easy payments, both online and offline, without the need to carry cash or cards. Users can also track their spending, set budgets, and view transaction history directly within the app

Virtual Card

Generate virtual cards for secure online shopping and transactions. Upay’s virtual card feature allows users to create temporary, disposable card numbers for online purchases, providing an additional layer of security. Virtual cards are linked to your main account but have unique card numbers, expiration dates, and CVV codes, minimizing the risk of fraud. Users can set spending limits and expiration dates for each virtual card, giving them control over their online transactions. This feature is particularly useful for users who frequently shop online or subscribe to services,

Realtime Statement

Stay updated with real-time statements of your transactions and account activity. Upay provides users with real-time access to their transaction history and account activity. This feature allows users to monitor their spending, track payments, and manage their finances more effectively. Real-time statements provide detailed information about each transaction, including date, time, amount, and merchant details, helping users keep a close eye on their financial activities.

Share and Create Payment Link

Create payment links to request and receive payments effortlessly. Upay makes it easy for users to request payments by generating unique payment links. These links can be shared via email, SMS, or social media, allowing recipients to make payments quickly and conveniently. Payment links are particularly useful for freelancers, small business owners, and individuals who need to collect payments from multiple sources. The links can be customized with payment amounts and descriptions, streamlining the payment process for both the payer and payee. Upay’s payment link feature ensures that users can receive payments promptly, with funds being directly deposited into their accounts.

Fast Settlement into Bank

Experience swift settlement of funds directly into your bank account. Upay offers fast settlement services, ensuring that users receive their funds quickly and efficiently. Once a payment is made, the app processes and transfers the funds to the user’s bank account with minimal delay. This feature is crucial for businesses and individuals who rely on timely access to their money. Upay’s fast settlement service is supported by a robust and reliable infrastructure, ensuring that transactions are processed smoothly and without errors. Users can also track the status of their settlements within the app, providing transparency and peace of mind.

Payment Gateway for your Websites and App

Integrate Upay's payment gateway into your websites and apps for seamless payment processing. Upay provides a comprehensive payment gateway solution for businesses looking to accept payments on their websites and mobile apps. The payment gateway supports a wide range of payment methods, including credit/debit cards, digital wallets, and bank transfers, providing customers with flexibility and convenience. Upay’s payment gateway is designed for easy integration, with extensive documentation and support available to help businesses get started. The gateway is equipped with advanced security features, ensuring that all transactions are safe and secure. By integrating Upay’s payment gateway, businesses can offer their customers a seamless and reliable payment experience.

Accept Payment from Anyone in Rupees

Receive payments in Rupees (INR) from anyone, anywhere. Upay enables users to accept payments in Rupees (INR) from anyone, whether they are local or international. This feature is particularly beneficial for businesses and freelancers who operate in the Indian market. Upay supports various payment methods, making it easy for customers to pay in their preferred way. The app ensures that all transactions are processed securely and efficiently, providing users with timely access to their funds. By accepting payments in INR, users can expand their customer base and streamline their payment processes.

Pay to Anyone Globally

Send money to anyone around the world with ease. Upay allows users to send money globally, providing a convenient and cost-effective solution for international payments. Users can transfer funds to family, friends, or business associates in different countries, with competitive exchange rates and low fees. Upay supports a wide range of currencies, ensuring that users can send money to almost any destination. The app also provides real-time tracking of international transfers, giving users visibility into the status of their transactions. With Upay’s global payment feature, users can manage their international financial commitments more effectively.

Withdraw Your Funds in 40+ Currencies Instantly into Your Bank Account

Withdraw your funds instantly in over 40 currencies directly into your bank account. Upay offers users the flexibility to withdraw their funds in over 40 different currencies, directly into their bank accounts. This feature is particularly useful for individuals and businesses with international financial needs. The app provides competitive exchange rates and ensures that funds are transferred quickly and securely. Users can select their preferred currency and bank account for withdrawals, providing a tailored and efficient solution for managing their finances. Upay’s multi-currency withdrawal feature helps users minimize currency conversion fees and access their money promptly.

Instant Personal Virtual Wallet

Manage your finances with an instant personal virtual wallet. Upay’s instant personal virtual wallet allows users to manage their finances efficiently and securely. The virtual wallet can be loaded with funds from various sources, including bank transfers, credit/debit cards, and other digital wallets. Users can make payments, transfer money, and track their spending directly within the app. The virtual wallet is designed to provide a seamless and user-friendly experience, with features such as budgeting tools, transaction history, and customizable alerts. Upay’s virtual wallet ensures that users have easy access to their money, anytime and anywhere.

Top-Up Accepted by All Countries Visa and Mastercard Debit / Credit Card, UPI and Net banking

Easily top-up your account with Visa, Mastercard, UPI, and Net banking from any country. Upay supports a wide range of top-up methods, making it easy for users to add funds to their accounts. Whether you are using a Visa or Mastercard debit/credit card, UPI, or Net banking, Upay provides a seamless and secure top-up process. This feature is particularly beneficial for users who travel frequently or have financial commitments in different countries. Upay ensures that all top-up transactions are processed quickly and accurately, providing users with immediate access to their funds. The app also offers promotional deals and discounts on top-ups, helping users maximize their money.

Send and Receive Money in Rupees

Easily send and receive money in Rupees (INR) with Upay. Upay provides a straightforward and efficient solution for sending and receiving money in Rupees (INR). Users can transfer funds to family, friends, or business associates with just a few taps on the app. The app supports a wide range of payment methods, ensuring that transactions are processed securely and quickly. Upay’s INR transfer feature is particularly useful for users who operate in the Indian market or have financial commitments in India. The app provides real-time tracking of transfers, giving users visibility into the status of their transactions. With Upay, managing your INR payments is simple and convenient.

Request Money From Anyone

Request payments from anyone with ease using Upay. Upay’s request money feature allows users to request payments from anyone, whether they are individuals or businesses. Users can generate unique payment links or QR codes and share them via email, SMS, or social media. This feature is particularly useful for freelancers, small business owners, and individuals who need to collect payments from multiple sources. The app ensures that all payment requests are processed securely and efficiently, providing users with timely access to their funds. Upay’s request money feature streamlines the payment process, making it easy to manage your financial commitments.

Pay and Top-up with Cryptocurrency

Use cryptocurrency to pay and top-up your Upay account. Upay supports cryptocurrency payments and top-ups, providing users with a flexible and modern financial solution. Users can add funds to their Upay accounts using popular cryptocurrencies such as Bitcoin, Ethereum, and more. This feature is particularly beneficial for users who invest in or frequently use cryptocurrencies. Upay ensures that all cryptocurrency transactions are processed securely and quickly, providing users with immediate access to their funds. The app also supports payments to merchants and individuals using cryptocurrency, making it easy to manage your digital assets

Pay Bill and Buy Gift Card

Easily pay your bills and purchase gift cards with Upay. Upay provides a convenient solution for paying bills and purchasing gift cards directly within the app. Users can pay utility bills, mobile bills, and other expenses with just a few taps. The app also offers a wide range of gift cards for popular retailers and services, making it easy to find the perfect gift for any occasion. Upay ensures that all bill payments and gift card purchases are processed securely and efficiently, providing users with instant confirmation. This feature helps users manage their financial commitments and shopping needs in one place.

Mobile Data Recharge

Quickly recharge your mobile data with Upay. Upay offers a seamless solution for recharging your mobile data, ensuring that you stay connected wherever you go. Users can select their mobile network operator and data plan, and complete the recharge process with just a few taps. The app supports a wide range of mobile network operators, both locally and internationally. Upay ensures that all mobile data recharges are processed quickly and accurately, providing users with instant access to their data. This feature is particularly useful for users who travel frequently and need to maintain their mobile connectivity.

Pay and Receive Money from Anyone in Seconds

Instantly pay and receive money from anyone with Upay. Upay enables users to pay and receive money in seconds, providing a fast and efficient financial solution. Whether you are sending money to a friend, paying for a service, or receiving payment from a customer, Upay ensures that transactions are processed instantly. The app supports a wide range of payment methods, making it easy for users to transfer funds quickly and securely. Upay’s real-time transaction processing and instant notifications provide users with visibility into their financial activities. With Upay, managing your finances is simple, fast, and reliable.

Loans, Credit Cards, Insurance, and Financial Solutions

Loans, Credit Cards, Insurance, and Financial Solutions Upay offers a comprehensive range of financial services, including loans, credit cards, insurance, and other financial solutions, designed to meet diverse needs with ease and convenience. Loans Access a variety of loan options, from personal to business loans, with competitive interest rates and flexible repayment terms. Upay ensures quick and easy application processes to provide the financial support you need promptly. Credit Cards Choose from a range of credit cards with benefits like cashback, travel rewards, and low-interest rates. The streamlined application process and tailored credit limits give you the purchasing power you need. Insurance Protect yourself and your loved ones with Upay’s comprehensive insurance options, including health, life, property, and travel insurance. Benefit from competitive premiums, extensive coverage, and easy claim processes. Financial Solutions Beyond loans and insurance, Upay offers financial planning, investment options, and savings plans tailored to your goals. Get personalized guidance from expert advisors to achieve financial stability and growth. Key Benefits: Convenience: Apply for loans, credit cards, and insurance directly through the app with minimal hassle.
We take care of Security as our Top Priority

Our Security Measures

Top security measure we used to take to make Upay a secure platform for All

SMS or Email Verification

Ensure the security of your account with SMS or email verification. Upon registration or performing sensitive transactions, users receive a verification code via SMS or email. This adds an extra layer of protection by confirming your identity and safeguarding against unauthorized access.

KYC Solution

Upay’s Know Your Customer (KYC) solution ensures compliance with regulatory requirements while enhancing security. The KYC process involves verifying the identity of users through official documentation. This helps prevent fraud, money laundering, and other illicit activities, providing a secure environment for financial transactions.

Two Factor Authentication

Enhance your account security with two-factor authentication (2FA). Upay requires users to provide two forms of identification before accessing their account or completing transactions. This could be a password combined with a verification code sent to your mobile device. 2FA significantly reduces the risk of unauthorized access and ensures that only you can access your account.

End-to-End Encryption

Upay uses end-to-end encryption to protect your data during transmission. This means that your information is encrypted on your device and only decrypted when it reaches its intended recipient. This ensures that your sensitive data, such as financial transactions and personal information, remains private and secure from potential threats.

Behavior Tracking and Fraud Detection Security

Upay employs behavior tracking to detect unusual or suspicious activities. By analyzing patterns in how you use the app, Upay can identify anomalies that may indicate fraudulent activity. User Control: Verification processes like SMS, email, and 2FA give you control over who accesses your account. Privacy Protection: End-to-end encryption ensures your data remains confidential and secure. Fraud Detection: Behavior tracking helps detect and prevent fraudulent activities in real-time.

Overview

In Past Years, a financial institution generated $8.0 tillion in income Globally

Upay is a cutting-edge financial service platform designed to simplify and secure your financial transactions.

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100000

+

Total Users on Upay Including Merchants Globally

30

+

Currencies for Withdrawal on Upay

4 Billion + Rupees

Total Withdrawal processed Globally by Upay

1 + Billion Rupees

Total Transaction processed via only Upay API Value

4 Billion + Rupees

Total Payment Made by Users only on Upay Wallet

100000

+

Total Wallet Created Globally

Upay is a cutting-edge financial service platform

Send and Accept Money Now
WHY CHOOSE US

Upay is revolutionizing the way individuals and businesses transact globally. With our innovative platform, users and merchants can send and receive payments

Upay is a cutting-edge financial service platform designed to simplify and secure your financial transactions. Offering a wide range of features, including QR code money transfers, advanced security systems, mobile wallets, virtual cards, and instant personal wallets, Upay ensures seamless, fast, and secure transactions. With no KYC requirements and instant account activation, you can start using Upay immediately to accept and pay money effortlessly. Join millions of satisfied users and experience the future of digital payments with Upay.

01

Instant Account Activation

Instant Account Activation Get started with Upay immediately without the need for lengthy verification processes. Enjoy instant account activation with no KYC requirements, making it quick and easy to accept and pay money.

02

Advanced Security System

Advanced Security System Upay prioritizes your security with features like two-factor authentication, end-to-end encryption, and behavior tracking. These measures ensure that your transactions and personal information are always protected.

03

QR Code Money Transfer

QR Code Money Transfer Experience seamless and fast transactions with Upay’s QR code money transfer feature. Simply scan and pay or receive money instantly, making it perfect for both personal and business use.

04

Mobile Wallet and Virtual Card

Mobile Wallet and Virtual Card Manage your finances on the go with Upay’s mobile wallet and virtual card. Store funds, make payments, and shop online securely with these versatile and convenient tools.

05

Payment Gateway for Websites and Apps

Payment Gateway for Websites and Apps Integrate Upay’s payment gateway into your website or app to accept payments seamlessly. This feature supports multiple payment methods, ensuring a smooth checkout experience for your customers.

06

Global Transactions and Multi-Currency Support

Global Transactions and Multi-Currency Support Send and receive money globally with Upay. Benefit from the ability to withdraw funds in over 40 currencies instantly into your bank account, making international transactions hassle-free.

07

Cryptocurrency Payments

Cryptocurrency Payments Embrace modern financial solutions with Upay’s cryptocurrency payment options. Pay and top-up with popular cryptocurrencies, offering flexibility and convenience for crypto enthusiasts.

08

Comprehensive Financial Solutions

Comprehensive Financial Solutions Upay goes beyond payments by offering loans, credit cards, insurance, and other financial solutions. Access a range of services tailored to your needs, all within the Upay app.

09

User-Friendly Interface

User-Friendly Interface Upay’s intuitive and user-friendly interface ensures a seamless experience for all users. Whether you’re managing personal finances or handling business transactions, Upay makes it easy and efficient.

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Mobile Top-Up

Mobile Top-Up Recharge your mobile data quickly and easily through Upay. The app supports a wide range of mobile network operators, ensuring you stay connected wherever you go.

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Payment Link Generation

Payment Link Generation Create and share payment links with ease. Upay’s payment link feature simplifies requesting payments from customers, clients, or friends.

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Fast Settlement into Bank

Fast Settlement into Bank Enjoy quick settlement of funds into your bank account. Upay ensures that your money is available when you need it, with minimal waiting times.

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Accept Payments in Rupees

Accept Payments in Rupees (INR) Conveniently accept payments in Indian Rupees (INR). This feature is ideal for businesses and individuals operating in the Indian market.

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Pay and Receive Money in Seconds

Experience instant money transfers. Upay ensures that payments are processed quickly, providing you with immediate access to your funds.

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Request Money From Anyone

Easily request payments from anyone. Generate unique payment links or QR codes to collect money effortlessly from clients, customers, or friends.

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Bill Payments and Gift Cards

Pay your utility bills and purchase gift cards directly within the Upay app. This feature streamlines your financial management and shopping needs.

Testimonials

What People Say About Us

Testimonials are statements or reviews from satisfied customers or clients that demonstrate their positive experiences with business.

user
Sameer Singh

Owner of Smith's Electronics

Lovely Pay App

Upay has transformed how I handle payments for my business. The QR code money transfer is incredibly convenient, and the advanced security features give me peace of mind. I highly recommend Upay to any small business owner!

user
Rohan Patel

Freelance Web Developer

Best Payment Solution for Freelancers

As a freelancer, I need a reliable and secure way to manage my payments. Upay’s digital wallet and instant account activation have been game-changers for me. Plus, I love that I don’t have to link my bank account. Upay is simply fantastic!

user
Michael Lee

Senior Developer at Tech Innovators

Best Payment gateway for web app owners

Upay’s integration with our website’s payment gateway has made it easy for us to accept payments from clients worldwide. The fast settlement into our bank account is a huge plus. Upay’s features are top-notch and very user-friendl

user
Sarah Davis

Independent Marketing Consultant

Best Pay app for Professional Consultants

I use Upay to request payments from my clients. The payment link generation feature is incredibly simple and effective. Upay’s commitment to security and user privacy makes it my go-to platform for financial transactions

user
Prateek Singh

Founder of Digital Agency and Freelancer

Best Super Pay App for Individuals and Freelancers

Upay’s payment link generation feature has made collecting payments from clients a breeze. I can quickly generate and share payment links, ensuring I get paid on time without any hassle. The instant account activation with no KYC requirements is a huge time-saver!

user
Asish

Freelance Personal Trainer

Best payment app for Individuals and independent owners

Managing payments with clients has never been easier thanks to Upay. I can accept money instantly without linking my bank account, which I really appreciate for its added security. Upay is efficient, secure, and perfect for my business needs

user
Rahul prakash

Founder of Edulearn Tutoring Services

Best Payment Solution for Solo Entrepreneur

Upay’s payment link generation is a fantastic feature for my tutoring business. I can easily share payment links with students, making it simple for them to pay. Plus, the no KYC requirement for account activation means I can start using the platform right away

1,00,000 + USERS AND MERCHANTS TRUST ON US FROM 5 COUNTRIES
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