WayPay™
0% MDR
A Product by
WhatYouWantKerala
WayPay automatically confirms customer UPI payments and deposits 100% of your earnings directly into your bank account in seconds — with zero gateway fees, zero transaction cuts, and zero middleman delays.
Start settling directly into your bank account
Standard payment gateways take 2.0% + 18% GST (2.36% effective) on every single transaction.
Simple, direct-to-bank UPI payment verification with instant confirmation and zero middleman deductions.
Real-time transaction tracking that automatically confirms customer UPI payments within seconds. 100% hands-free payment verification with direct bank-grade accuracy.
100% of customer earnings deposit directly into your primary bank account in real-time. Zero middleman escrow holding periods, zero aggregator commissions (0% MDR).
Automatically marks orders as paid on your online store or billing software the second customer UPI funds hit your account. Works with Shopify, WooCommerce, or any website.
Completely prevents order confusion when multiple customers pay identical amounts. Each bank reference number can only be claimed once, eliminating double fulfillments.
Customers pay effortlessly using Google Pay, PhonePe, Paytm, or BHIM with dynamic QR codes. Customize payment page colors, business logo, and success redirect URLs.
Automatic verification against tampered receipts and fake UPI apps. Customers can submit bank reference numbers (UTR) or payment screenshots for review in your merchant queue.
Built from the ground up by WhatYouWantKerala Technologies to give merchants absolute financial sovereignty without third-party aggregator middleman fees, frozen fund risks, or payout delays.
| Key Business Metric | WayPay™ (WhatYouWantKerala) | Traditional Payment Gateways |
|---|---|---|
| UPI Gateway Fee (MDR) | 0.0% Commission Forever | 2.0% to 2.36% + 18% GST |
| Settlement Speed | Instant Direct-to-Bank (< 1.5s) | T+2 or T+3 Business Days Delay |
| Account Freezing Risk | 0% Risk (Customer pays directly to your Bank, No Nodal Accounts) | High Risk (Aggregators hold funds in nodal accounts & freeze payouts) |
| Bank Connectivity | Unlimited Indian Banks (27+ Recognized Banks & All UPI Apps) | Restricted partner bank accounts only |
| Working Hours & Uptime | 24 Hours Non-Stop (365 Days including Bank Holidays & Sundays) | Settlement blocked on weekends & national holidays |
| Fallback Verification | Instant UTR & Screenshot Review Queue (1-Click Approval) | Manual dispute forms, ticket queues & 14-day delays |
| Secured Gateway Architecture | Bank-Grade 256-Bit TLS 1.3, HMAC Signatures & Tamper Protection | Aggregator redirection dependencies & middleman hops |
| Store Setup & Activation | Instant Self-Serve (Custom Payment Page Designer & Direct API) | Lengthy merchant documentation & waiting periods |
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 automatic reference matching is rock solid — 0 mismatches in 6 months."
"Connecting our shop counter phone took under 2 minutes. The instant a customer pays via UPI, our store order automatically marks as paid and prints the dispatch invoice instantly."
"WhatYouWantKerala has built something truly world-class. Having instant automated bank payment verification saved us during peak festive sales. Zero downtime, zero fees, pure peace of mind."
Direct peer-to-peer bank settlement with zero commission deduction.