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.
Connect up to 5 shop smartphones. Automatically detects incoming bank credit notifications and confirms customer payments in seconds without any manual intervention.
Connect up to 10 bank notification email inboxes. Confirms payments directly from your official bank credit alert emails even if your phone battery dies or signal is weak.
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% (Customer pays directly to your Bank) | High (Aggregator holds money in nodal accounts) |
| Store Setup & Activation | Instant (Custom Payment Page Designer) | Lengthy merchant documentation & waiting periods |
| Shop Counter Alert Phones | Connect Up to 5 Shop Phones | Not Offered |
| Bank Notification Inboxes | Connect Up to 10 Email Inboxes | Not Offered |
| Fallback Verification | Instant UTR & Screenshot Review Queue | Manual dispute forms & ticket delays |
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 both phone and email alert verification saved us during peak festive sales when mobile network was slow. Zero downtime, zero fees, pure peace of mind."
Direct peer-to-peer bank settlement with zero commission deduction.