Your own QR. Payments straight to your account. Accounting done for you.

Add your own UPI QR codes. Customers pay directly to you, every payment is verified, and your ledger, reports and statements build themselves.

PPAYINO
Pay exactly₹500.37
UPI ID yourshop@okaxis
Pay within 09:58
Enter UTR after paying12-digit UTR
Works with any UPI app · Money goes to your own bank account · Every payment verified by UTR

How it works

Three simple steps for every payment.

1

Add your QR

Add your own UPI QR codes or UPI IDs and set a daily and per-payment limit for each.

2

Customers pay you directly

Every payment goes straight into your bank account. Nobody holds your money in between.

3

Accounting builds itself

Each payment is checked against its UTR, then added to your ledger, reports and statement automatically.

What you get

Everything needed to collect payments and keep the books straight.

Your own QR codes

Use several QR codes, each with its own daily and per-payment limit.

Direct to your bank

Payments reach your account directly and never sit with the platform.

Automatic accounting

Ledger with opening and closing balance, daily reports and downloadable statements.

Verified payments

Every UTR is checked before a payment counts, with full history kept.

Your books, kept for you

Every verified payment is written to your ledger the moment it is approved. Open the day, see what came in, and download the statement whenever you need it.

  • Opening and closing balance for every day
  • Each payment with its UTR and time
  • Reports by date and by QR code
  • Download as a spreadsheet for your accountant
Account StatementSample
Opening₹12,400.00
Credits+₹3,750.37
Closing₹16,150.37
TimeUTRCreditBalance
10:144281 5530 9921500.3712,900.37
11:024281 6614 00871,250.0014,150.37
13:454282 0042 77162,000.0016,150.37

Common questions

Where does the money go?

Straight to the bank account linked to your UPI QR. The platform never holds your money.

What is a UTR?

The 12-digit reference number your customer sees in their UPI app after paying. It is used to match the payment with your bank.

How long does verification take?

As soon as a manager checks the UTR against what your QR received, usually within minutes.

Can I add more than one QR code?

Yes. Add several QR codes and give each its own daily and per-payment limit.

Can I download my records?

Yes. Reports and account statements can be viewed on screen or downloaded as a spreadsheet.

Start collecting to your own QR

Your QR, your bank, your books. We keep the records straight.

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