UPI Payment Gateway Source Code - 0% Fee Script (React & Node.js)

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Description & Key Features

UPI Gateway is an enterprise-grade, self-hosted 0% MDR UPI payment aggregator software built on a cutting-edge modern stack: React 19, TypeScript, Tailwind CSS v4, Node.js, and Supabase (PostgreSQL). Unlike legacy PHP scripts that force merchants to run unstable Android notification listener APKs on personal smartphones, this platform operates on a 100% Cloud-to-Cloud 24/7 autonomous verification engine. It automatically captures, parses, and validates incoming UPI payments directly into the merchant's bank account with zero platform commissions, zero transaction charges, and zero hardware reliance. Key Architectural Highlights : 1. 24/7 Cloud Auto-Capture (Zero Android Phone APK Dependency) Runs continuous server-side IMAP listeners and persistent gateway sessions. Operates autonomously 24 hours a day, 7 days a week in the cloud. Captures payments even when merchant phones are switched off, out of battery, or disconnected from the internet. 2. Native Multi-Gateway Switch (10 Gateways & Banks Supported) Provides out-of-the-box routing and automatic verification across 10 prominent Indian UPI merchant platforms and major commercial banking services: Paytm Business PhonePe Business BharatPe Google Pay for Business MobiKwik HDFC SmartHub Vyapar Freecharge Axis Bank ICICI Bank Kotak Mahindra Bank 3. 0% MDR Direct-to-Bank Instant Settlement Cuts out standard 2% to 3% aggregator fees and transaction delays. Customer funds land directly in the merchant's own bank account immediately upon payment. 4. Bank-Grade Anti-Replay & Anti-Fraud Engine Order Timestamp Guard: Strictly isolates payment credit alerts; credit notifications generated prior to the order creation timestamp are rejected to prevent spoofing. Database UTR Locking: Uniqueness constraints at the database layer ensure each UTR (Transaction Reference) can only ever settle one unique order, completely eliminating replay attacks. 5. Dynamic UPI QR & One-Tap Deep-Link Intent Real-time dynamic QR generation with pre-populated order amount and merchant virtual payment address (VPA). Native mobile intent triggers direct deep links to Google Pay, PhonePe, Paytm, CRED, and BHIM for friction-free checkout. 6. Developer REST API & Webhook Dispatcher Authentication: API Key & Secret Bearer Token architecture. Webhooks: Instant HTTP POST event delivery with HMAC-SHA256 signature verification. Compatibility: Ready to connect with custom e-commerce stores, WooCommerce, Shopify, mobile applications, and backend services. 7. Automated WhatsApp Notifications (WAPI Integration) Automated dispatch of payment confirmation receipts and merchant settlement alerts via WAPI REST endpoints the instant a transaction is confirmed. 8. Multi-Tenant SaaS & White-Label Ready Designed with modular sub-merchant management, API credentials generation, transaction audit logs, and customizable platform assets for running a private white-label gateway. 🔰 Technical Specifications & Stack: - Frontend: React 19 (Latest) with TypeScript Vite (Ultra-fast build pipeline) Tailwind CSS v4 (Modern responsive utility system, zero focus rings) React Router v7 (Client-side routing) Lucide React (Clean vector iconography) Framer Motion (Mobile-grade transitions and touch animations) QRCode.react (Realtime dynamic QR renderer) -Backend: Node.js (v20+ LTS) + Express.js in TypeScript esbuild (Production single-bundle compiler) IMAP (imap 0.8) & MailParser (mailparser 3.9) for background email stream processing Node.js Native Crypto for HMAC-SHA256 signatures and token management Database & Cloud: Supabase PostgreSQL with Row Level Security (RLS) Supabase Realtime for instant client status synchronization Third-Party Messaging: WAPI (WhatsApp Business Notification API) - What Is Included in the Source Code Package? Complete Unencrypted Frontend Source Code: Full React 19 + TypeScript + Vite project files. Complete Unencrypted Backend Source Code: Full Node.js + Express TypeScript server files including gateway handlers and IMAP listeners. Database Schema & SQL Migrations: Supabase SQL migration files with table structures, indexing, and security policies. Environment Configuration File (.env.example): Pre-configured template for all required API keys, database credentials, and gateway secrets. Comprehensive Developer Documentation: API specifications, cURL examples, webhook payload formats, and integration guides. Deployment & Setup Guide: Detailed instructions for deploying on Hostinger Cloud, Render, Ubuntu VPS, or Docker. System & Hosting Requirements Runtime: Node.js v18.x or v20.x+ Database: Supabase account (Free or Pro tier) Email Service: Any IMAP-enabled email account (e.g. Gmail / Google Workspace with App Password) Hosting Environment: Any standard VPS (Ubuntu/Debian), Hostinger Cloud Startup, Hostycare, or DigitalOcean Droplet

Software Specifications

Software Framework

React 19

Archive File Size

25.5 MB

Database / Backend

Supabase PostgreSQL

License Type

Extended Commercial License (Unlimited Domains)

Installation Support

No