UPI Payment Gateway Source Code (PHP) - 0% Fee Auto UPI Script

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Description & Key Features

UPI Payment Gateway PHP Script with Source Code (0% Fee Auto UPI Gateway & SaaS Platform) Looking for an Automated UPI Payment Gateway Source Code in PHP? If you are searching for an auto UPI payment gateway PHP script that lets you accept online payments directly into your bank account without paying 2% - 3% commission fees to aggregators like Razorpay, Cashfree, or PayU—this is the complete, production-ready solution. Most small businesses, digital creators, and SMM panel owners in India struggle with payment gateway approval without GST. Traditional payment aggregators require company registration, GST certificates, and weeks of compliance verification—only to reject high-volume or digital product businesses. Online UPIGateway is a self-hosted, enterprise-grade UPI payment gateway PHP MySQL script. It connects directly with your existing Paytm for Business, PhonePe Merchant, BharatPe, Google Pay Business, and HDFC SmartHub accounts. Customers pay seamlessly via Dynamic UPI QR codes or 1-tap UPI app intent links (Google Pay, PhonePe, Paytm, BHIM, CRED, Navi, Amazon Pay), and money is credited directly into your bank account with 0% transaction fees and 0-second settlement delay. 1. Payment Processing & Core Gateway Engine 0% Transaction Fees (Zero Commission): Customer funds go straight from customer UPI app to merchant bank account. No middleman cuts or percentages. Instant Direct-to-Bank Settlement: Zero holding periods, zero settlement schedules. Money reflects immediately in your bank. Multi-Gateway Routing Hub: Seamlessly switch or load-balance across multiple merchant providers: Paytm for Business Gateway: Official merchant QR, dynamic intent deep linking, and automated status polling. PhonePe Merchant Gateway: High success rate, instant intent deep linking, and automated status polling. BharatPe Merchant Gateway: Zero transaction charges, instant UTR match, and direct bank settlement. Google Pay Business Gateway: Automated listener and instant merchant credit verification. HDFC SmartHub & Freecharge Business: Multi-terminal routing for high-volume transactions. State Bank of India (SBI) Gateway: Integrated session and token checking engine. Amazon Pay & Mobikwik Support: Built-in verification modules. Dynamic UPI QR Code Generator: Automatically generates custom QR codes with encoded order ID, customer note, and exact amount. Includes auto-countdown timer. 1-Tap UPI Intent Deep Links: On mobile devices, clicking "Pay via UPI" opens Google Pay, PhonePe, Paytm, BHIM, CRED, Navi, Amazon Pay, or any bank UPI app with amount and note pre-filled. Automated 3-Second UTR Bank Credit Verification: Intelligent reconciler verifies incoming bank credits and marks orders as completed in real time. SMM Panel Instant Auto-Add Funds: Works out of the box with Smart Panel, Perfect Panel, and custom PHP SMM scripts to automatically credit user balances upon payment. On-Demand Payment Links Generator (PaymentLink.php): Create custom payment links with custom amounts, customer names, and descriptions, and share them directly via WhatsApp or SMS. Hosted Storefront Pages (PaymentPage.php): Standalone payment collection storefronts for digital product sales. Universal Unified Checkout Router (checkout/{token}): Clean, responsive, mobile-optimized checkout page with real-time polling and instant success redirect. 2. 1-Click Web Installer Wizard (install.php) Automated 3-Step Web Setup: Install the entire system in under 2 minutes without opening phpMyAdmin or editing code manually! Server Compatibility Audit: Automatically tests PHP version, MySQLi, cURL, OpenSSL, Mbstring, JSON, GD, and directory write permissions. Automatic Database Schema Import: Parses and imports all 89 tables and relations from fresh.sql automatically. Super Admin Account Setup: Lets you choose your custom admin mobile number, email, and password during installation. Automatic Security Lock (installed.lock): Locks the installer upon completion to protect your database from unauthorized reinstallation. 3. Merchant Self-Service Portal (/merchant/) Interactive Revenue Analytics Dashboard: Live counters for today's volume, weekly revenue, monthly totals, and total orders. Complete Transaction Ledgers: Real-time searchable transaction history with filters by date, gateway, status (Success, Pending, Failed), and 12-digit UTR number. One-Click CSV & Excel Export: Download comprehensive transaction reports for accounting and tax audits. Developer API Key Manager: Generate public user tokens, live secret keys, and toggle between Sandbox and Production modes. Instant Webhook Callbacks Manager: Configure your callback webhook URL, test webhook delivery with the built-in simulator ping, and view payload logs. Domain Whitelisting Engine: Security firewall that restricts API orders strictly to your whitelisted domain names, preventing unauthorized API theft. Merchant KYC & Business Profile: Manage business name, address, GSTIN (optional), PAN, and settlement bank accounts. Built-in In-App Support Ticket Desk: Merchants can open tickets, track replies, and get 1-on-1 developer support. 4. Super Admin Management Control Panel Complete User Management (userlist.php, edituser.php, adduser.php): Add merchants, modify wallet balances, change subscription tiers, extend expiry dates, or lock/ban abusive accounts. SaaS Subscription Plan Builder (subscriptionplan.php): Create and customize subscription tiers (Starter, Pro, Business) with custom pricing, validity days, daily transaction quotas, and domain limits. Domain Oversight Desk (admin_domains.php): Monitor and approve/reject merchant domain whitelist requests. Global Portal & Branding Control (website_settings.php): Change website title, brand name, site logo, favicon, contact phone, and support email without touching code. Native WhatsApp (WAPI) Notifications Hub: Configure your WAPI credentials from WAPI, enter admin recipient number, and enable/disable notifications with a single toggle. SMTP Email Server Configuration: Setup custom SMTP servers (Hostinger, Gmail, SendGrid) with custom ports, SSL/TLS encryption, and send live test emails. Registration Gatekeeper: Toggle public merchant registration Open or Paused, with custom maintenance banner messages. Registration OTP Verification: Toggle SMS/WhatsApp OTP verification on signup. Global Announcements & Popup Alerts (add_notif.php, add_popupalert.php): Broadcast global notifications or interactive popup banners across all merchant dashboards. Support Desk Administration (admin_tickets.php, ticket_view.php): Reply to merchant support queries, assign priority levels, and close resolved tickets. 5. WhatsApp Notification System (Powered by WAPI) Automated Customer Receipts: Sends instant WhatsApp order confirmation and payment receipt directly to customer mobile numbers. Admin Real-Time Alerts: Instantly alerts the platform administrator via WhatsApp for every new transaction, high-volume payment, and new merchant registration. Subscription Expiry Warnings: Automatically warns merchants via WhatsApp 3 days before their plan expires. 6. Unified Master Cron Architecture (crons/cron_all.php) Single 1-Minute Cron Job: Non-overlapping master orchestrator protected by flock concurrency lock. Requires only ONE cron job in cPanel or Hostinger! Auto-Fail Engine (fail.php): Cancels expired and unpaid invoices past the timeout window to maintain database speed. Multi-Gateway Polling Workers: Automated cron verification for Paytm, PhonePe, BharatPe, and bank sessions. Webhook Delivery Queue: Automatically retries undelivered webhooks to merchant endpoints. Daily Merchant Digest: Dispatches daily revenue digests to active merchants. 7. Ready-to-Use Client SDKs & CMS Modules Comes with 12 complete pre-packaged SDKs and plugins located in /merchant/sdk/: WordPress WooCommerce Payment Plugin (.ZIP): Plug-and-play dynamic UPI QR payment gateway for WooCommerce stores. WHMCS Payment Gateway Module (.ZIP): Automated UPI invoice payment module for WHMCS web hosting platforms. PHP & Laravel SDK (.ZIP) JavaScript / Node.js SDK (.ZIP) Python SDK (.ZIP) Android (Java & Kotlin) SDKs (.ZIP) iOS (Swift) SDK (.ZIP) C# (.NET), C++, Ruby SDKs (.ZIP) 8. Security & Infrastructure Hardening Zero Code Credentials: All sensitive database, tokens, and API credentials live strictly inside .env. Hardened .htaccess: Complete security headers (HSTS, CSP, X-Frame-Options SAMEORIGIN, X-Content-Type-Options nosniff, COOP, Permissions-Policy). Strict File Deny Rules: Denies direct HTTP access to .env, .sql, .log, .git, .ini, .sh, .inc. Anti-Brute Force Protection: Account lockout defense against password guessing and credential stuffing. CSRF Token Defense: Comprehensive CSRF tokens on all forms and sensitive POST actions. Clean Crawl Budget & SEO: Optimized robots.txt and sitemap.xml with zero index bloat. 💻 Developer REST API & Webhooks Integration Easily integrate this UPI payment gateway into any Android app, iOS app, Python backend, Node.js project, or custom PHP website using simple REST endpoints: POST /api/create-order: Generate dynamic UPI QR codes and deep intent links instantly with custom order IDs, amounts, and customer notes. POST /api/check-order-status: Query live real-time transaction status (Success, Pending, Failed, Expired). Instant Webhook Callbacks: Automatically dispatches secure JSON payloads to your webhook URL whenever a payment is confirmed. 🖥️ Server & Hosting Compatibility Compatible Hosting: Hostinger (Shared, Cloud, VPS), cPanel, CyberPanel, DirectAdmin, Plesk, or Linux Ubuntu VPS. PHP Version: PHP 7.4, 8.0, 8.1, or 8.2 (Recommended: PHP 8.1+). Database: MySQL 5.7+ or MariaDB 10.3+. PHP Extensions: mysqli, curl, json, mbstring, openssl, gd, fileinfo. SSL Certificate: Valid HTTPS is required for UPI intent deep links (Free Let's Encrypt or Cloudflare SSL works 100%). 📦 What You Will Receive After Purchase Complete Unencrypted PHP Source Code: 100% open source code without IonCube or license locks. install.php: 1-Click Automated Web Installation Suite. fresh.sql: Clean production database dump with pre-configured Super Admin account ready to use. .env.example: Clean environment configuration file with zero leaked credentials. INSTALLATION_GUIDE.md & README.md: Comprehensive step-by-step documentation. 12 SDKs & CMS Modules: WooCommerce WordPress plugin and WHMCS module included in /merchant/sdk/. 🔑 Default Admin Login Credentials After installing via install.php or importing fresh.sql, log in immediately: Admin Portal URL: https://yourdomain.com/merchant/ Mobile Number: 9876543210 Default Password: Admin@123 (Note: You can customize your login credentials during the install.php wizard or in Profile Settings.)

Software Specifications

Software Framework

PHP

Archive File Size

14.5 MB

High Resolution

Yes (Retina Ready)

Database / Backend

MySQL 8.0+

License Type

Extended Commercial License (Unlimited Domains)