NiceUPI helps merchants, students & small businesses collect UPI, QR, Cards, NetBanking and Wallet payments with 0% MDR plans, instant settlements and a developer-friendly API — a smarter alternative to Razorpay, Cashfree, PayU, PayUMoney, Easebuzz and Instamojo.
One smart dashboard, one easy API. Replace your Razorpay, Cashfree, PayU or Instamojo workflow with NiceUPI and save up to 70% on fees.
Generate dynamic UPI QR codes & collect requests in seconds. Works with GPay, PhonePe, Paytm and every UPI app.
Get paid out in under 60 seconds on eligible plans — no more waiting for T+1 cycles like Razorpay or PayU.
Special student & small-business plans with zero merchant discount rate — keep 100% of every rupee you collect.
One REST API for collect, intent, refund & webhook. Plug-and-play for PHP, Node.js, Python, WooCommerce & Shopify.
End-to-end TLS, PCI-ready infra, fraud rules & risk scoring on every transaction.
Automatic WhatsApp receipts & OTPs to your customers — better UX than email-only competitors.
Create your merchant account with mobile + email — verified instantly via WhatsApp OTP.
Upload PAN, Aadhaar & bank proof. Most merchants are activated the same day.
Use our payment links, hosted page or REST API. Ready-made plugins for WordPress & WooCommerce.
Receive payouts to your bank in under 60 seconds on eligible plans, 24×7 including holidays.
Up to 70% cheaper than Razorpay / PayU / Cashfree / Instamojo for the same volume. No hidden fees.
See how NiceUPI stacks up against popular payment gateways in India.
| Feature | NiceUPI | Razorpay | Cashfree | PayU / PayUMoney | Instamojo |
|---|---|---|---|---|---|
| 0% MDR on UPI | Yes | ||||
| Instant Settlement (free) | Included | Paid add-on | Paid add-on | T+1 default | T+3 default |
| WhatsApp Receipts & OTP | |||||
| Free for Students | |||||
| Hindi + English Dashboard | English only | English only | English only | English only | |
| Plug-and-play API | Yes | Yes | Yes | Yes |
“Switched from Razorpay and saved ₹18,000/mo on MDR. Settlements hit my bank in seconds — game changer for our QSR chain.”
“The API took me 20 minutes to integrate with our WordPress site. WhatsApp receipts are loved by every customer.”
“Best payment gateway for students & freelancers in India. 0% MDR on UPI is unbeatable, and support replies in minutes.”
NiceUPI is one of the most affordable UPI payment gateways in India offering 0% MDR plans, instant settlement and easy API integration — a great alternative to Razorpay, Cashfree, PayU, PayUMoney, Easebuzz and Instamojo.
Yes. On UPI transactions NiceUPI offers 0% MDR plans for eligible merchants, while Razorpay/PayU charge ~2% on most non-UPI methods and add fees for instant settlement.
Instant settlement (under 60 seconds) is available on Growth and Enterprise plans, 24×7 including weekends and bank holidays.
Yes — we have ready-made plugins for WordPress, WooCommerce and Shopify. You can also use our REST API or hosted payment page.
Yes. NiceUPI uses bank-grade TLS encryption, PCI-ready infrastructure, and fraud-scoring on every transaction.
Absolutely. Our Starter plan is free forever and built specifically for students, creators and freelancers in India.
Join 1,200+ Indian merchants already using NiceUPI to accept UPI, Cards and Wallets with 0% MDR & instant settlement.
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