Direct FamPay
UPI Gateway,
Zero Fees.
Accept instant UPI payments directly into your FamPay handle. Automated sub-second reconciliation via Gmail IMAP, HMAC-SHA256 webhooks, and live Discord operations.
Direct to
Your FamPay
Reads credit alerts from no-reply@famapp.in and extracts 12-digit UTR.
Configure Setup→Accept Direct FamPay UPI Payments
With 0% Platform Fees
Four Building Blocks of FamPay Automation
Explore how DhanGate eliminates middleman gateways, automates reconciliations with Gmail IMAP, sends live Discord operations alerts, and guarantees instant settlements.
Native UPI Intent & Dynamic QR with 0% Drop-Off
Unlike standard gateways that redirect users through 4 pages and bank OTPs, DhanGate generates an instant UPI QR code or triggers native apps (FamPay, Google Pay, PhonePe, Paytm, Cred) in 1 tap.
Average time to pay
UPI app compatibility
- ✓Dynamic invoice amount embedding prevents payer typo errors
- ✓Live polling verification with celebratory confetti animations
- ✓Automatic expiry countdown timer with cancel handling
DhanGate vs Traditional Payment Gateways
Why developers, merchants, and creators replace traditional escrow gateways with direct FamPay UPI infrastructure.
| Feature | DhanGate Direct UPI | Traditional Escrow Gateways |
|---|---|---|
| Platform Commission Fee | ✓0.0% (Zero MDR) | 2.00% + 18% GST (2.36%) |
| Settlement Speed | ✓Instant (0 seconds into FamPay) | T+2 to T+4 Working Days |
| Rolling Reserve / Holds | ✓0% (Never held) | 5% to 10% held for 90 days |
| Setup Fee & Annual AMC | ✓₹0 Free Lifetime | ₹5,000 – ₹15,000 + AMC |
| KYC & Approval Wait Time | ✓2 Minutes (Self-service) | 7 – 14 Days manual verification |
| Account Freeze Risk | ✓Zero (Direct UPI to your account) | High risk of sudden escrow freezes |
| Customer Drop-off Rate | ✓< 4% (Direct native UPI intent) | 18% – 25% (OTP / CVV / Redirect loops) |
| Realtime Discord & Webhooks | ✓Built-in HMAC-SHA256 + Discord | Requires third-party Zapier/Pabbly |
Calculate Your Monthly Savings with 0% Gateway Fees
Traditional gateways charge 2% plus 18% GST on every single payment. See how much money stays in your account with DhanGate.
100% of payment amounts deposited directly into your FamPay UPI account instantly.
Start Accepting Payments for Free →Integrate in Minutes with Any Language
Clean REST endpoints and production-ready SDK snippets for Node.js, Python, PHP, Go, and cURL.
curl -X POST https://yourdomain.com/api/v1/create \
-H "Content-Type: application/json" \
-H "X-API-Key: fam_live_your_merchant_key" \
-d '{
"amount": 499.00,
"order_id": "ORD-1002",
"customer_name": "Customer Name",
"customer_email": "customer@example.com",
"redirect_url": "https://yoursite.com/success"
}'Production Architecture Built for Reliability
Everything in DhanGate is designed for sub-second execution, deterministic reconciliation, and absolute data integrity.
Zero Holdbacks or Reserves
100% of customer funds transfer directly to your personal or merchant FamPay UPI handle. No 90-day rolling reserves, no arbitrary holding accounts.
Sub-Second IMAP Ingestion
Connects directly to Gmail IMAP via Google App Passwords over TLS 993. Parses credit receipts from no-reply@famapp.in, extracting UTR and note in ~1.2 seconds.
HMAC-SHA256 Webhooks
Every webhook event includes an X-Signature-SHA256 signature and timestamp to guarantee provenance and guard your backend against replay attacks.
Frequently Asked Questions
Everything you need to know about setting up FamPay direct UPI payments.
Ready to accept direct FamPay payments with 0% platform fees?
Create your merchant account, configure your Google App Password, and start collecting UPI payments directly into your account today.