WayPay™
0% MDR
A Product by
WhatYouWantKerala
WayPay automates instant direct-to-bank UPI payment verification using native Android SMS ingestion, TLS 1.3 Gmail IMAP, and cryptographic webhooks. 100% of customer money hits your bank account in seconds with zero middleman deductions.
Start settling directly into your bank account
Standard payment gateways take 2.0% + 18% GST (2.36% effective) on every single transaction.
Four redundant layers of real-time credit reconciliation ensuring 99.9% auto-matching without merchant intervention.
Installs on any shop smartphone (Universal support for Android 6.0 Marshmallow to Android 16). Runs a persistent non-killable Foreground Service (START_STICKY) that captures incoming Bank SMS & UPI notifications in real time.
Server-side TLS 1.3 polling directly to Gmail. Reads credit alerts from HDFC, SBI, Amazon Pay (@apl), and FamPay (@fam) even if your phone is offline.
Every verified payment immediately dispatches an authoritative webhook with X-WayPay-Signature header to update your Shopify, WooCommerce, or custom backend.
Eliminates order mismatch bugs when multiple customers pay the same amount simultaneously. Prioritizes the customer's 12-digit UPI RRN / UTR reference.
waypay.js)Zero-CDN pure vector SVG QR code modal. Automatically generates standard NPCI UPI URIs with mobile deep-linking for Google Pay, PhonePe, and Paytm.
Contextual regex parsing ensures available balance statements are never mistaken for credit alerts. Timestamps older than 120s are rejected cryptographically.
Built from the ground up by WhatYouWantKerala Technologies to give merchants absolute financial sovereignty without third-party aggregator middleman fees or frozen fund risks.
| Key Platform Metric | WayPay™ (WhatYouWantKerala) | Razorpay / Cashfree / PayU |
|---|---|---|
| UPI Gateway Fee (MDR) | 0.0% MDR Forever | 2.0% to 2.36% + 18% GST |
| Settlement Speed | Instant Direct-to-Bank (< 1.5s) | T+2 or T+3 Business Days |
| Account Freezing Risk | 0% (Customer pays directly to your Bank) | High (Aggregator nodal account holds money) |
| Setup & Integration |
5 Minutes (waypay.js drop-in)
|
Complex SDKs, Webhook secrets & API keys |
| Bank SMS & Notification Listener | Included Native Android APK (Android 6-16) | Not Offered |
| Multi-Bank Google IMAP Engine | Included Server-Side TLS 1.3 | Not Offered |
See how high-velocity shops, supermarkets, and online brands eliminated gateway fees completely while getting instant settlement into their own bank accounts.
"We used to pay ₹65,000 every single month to Razorpay for our online spice store orders. Switching to WayPay took under 10 minutes with waypay.js. Every rupee hits our Federal Bank current account directly with zero cut!"
"With 500+ customer payments daily of the same ₹499 amount, other gateways would freeze accounts for verification or mismatch orders. WayPay's UTR-First Anti-Collision engine is rock solid — 0 mismatches in 6 months."
"The Android companion APK is genius engineering. We installed it on our office counter phone in 1 minute. The instant an SMS lands from SBI or Amazon Pay, the WebSocket triggers our warehouse dispatch webhook in 800ms."
"WhatYouWantKerala has built something truly world-class. The multi-bank Google IMAP engine saved us during peak festive sales when mobile signals were weak. Zero downtime, zero MDR, pure peace of mind."
Direct peer-to-peer bank settlement with zero commission deduction.