
Precision UPI infrastructure for high-volume merchants.
Direct bank settlements with zero escrow, dynamic paise matching, and automated UTR reconciliation.
- NPCI UPI RAILS
- Direct VPAICICI Bank
- Direct VPAHDFC Bank
- Direct VPAAxis Bank
- Direct VPAState Bank of India
- UPI IntentPhonePe
- UPI IntentGoogle Pay
- UPI IntentPaytm
- UPI IntentCRED UPI
Direct UPI settlement in three automated steps.
No middleman escrow accounts holding merchant liquidity. Funds transfer directly from customer UPI apps to your bank account with automatic matching.
Initiate & Unique Decimal Allocation
Merchant backend calls POST /api/payment/initiate. Cosmic Pay allocates a randomized 2-digit paise suffix (e.g., +₹0.42) to distinguish the transaction across concurrent payments.
Dynamic QR & Mobile Intent Dispatch
Customer loads /v3/pay/?token={token}. Mobile shoppers tap instant intent links (PhonePe, GPay, Paytm, CRED). Desktop shoppers scan the high-density dynamic QR code.
Sub-5s IMAP Reconciliation & Webhook
When funds credit the merchant bank account, the bank generates an instant email notification. The gateway IMAP poller parses the unique paise & UTR, verifying the payment automatically.
Engineered for merchant autonomy and throughput.
Scroll vertically to glide through the core architectural modules powering Cosmic Pay.
Multi-VPA Profile Rotation
Circumvent daily bank limits per UPI ID. Cosmic Pay dynamically shifts incoming sessions across multiple registered accounts with real-time health checks.
Dual-Key Authentication
Public API key identifies merchant origin; secret key is cryptographically hashed with SHA-256 prior to verification in atomic transaction scope.
Instant Payment Links
Generate shareable checkout links directly from the merchant dashboard. Configurable amounts, automatic expiration windows, and instant webhook callbacks.
Sub-5s IMAP Poller Loop
The gateway reads encrypted bank credit alerts directly over IMAP SSL, auto-matching the decimal paise fraction against pending transactions.

Zero escrow. Your liquidity settles straight to your bank account.
Unlike legacy aggregators that hold funds across multi-day settlement windows, Cosmic Pay routes customer UPI payments directly to your registered bank account VPAs.
Read the security & architecture specificationsFunds transmit straight through NPCI rails to your merchant bank account. No holding escrow.
Native SDKs for Next.js, PHP, and cURL.
Integrate direct UPI payments with dual-key authentication and signed session tokens in minutes.
import { CosmicPay } from '@cosmicpay/sdk';
const cosmic = new CosmicPay({
apiKey: process.env.COSMIC_API_KEY!,
secretKey: process.env.COSMIC_SECRET_KEY!,
});
// 1. Create dynamic UPI payment session
export async function POST(req: Request) {
const session = await cosmic.payment.initiate({
amount: 1499, // Whole rupees
order_id: 'ORD_91823',
redirect_url: 'https://store.in/checkout/verify',
});
// Returns session UUID & allocated unique paise
return Response.json({
payment_url: session.payment_url,
total_amount: session.total_amount, // 1499.42
});
}Built on verified cryptographic controls.
No fabricated badges or hollow claims. Cosmic Pay implements concrete, code-enforced protections at the gateway, transport, and database layers.
SHA-256 Dual-Key Authentication
API requests require an active public API key (cp_live_...) combined with a server-to-server secret key. Secret keys are cryptographically hashed using SHA-256 before persistence.
Origin & Referer Whitelisting
All incoming payment initiation calls are verified against registered merchant domains. Requests originating from unregistered hostnames or unverified origins are immediately rejected with HTTP 403.
Atomic Transaction State Machine
Database operations execute within atomic transactions. Payments transition unidirectionally from pending to success, expired, or cancelled, preventing double-crediting or race conditions.
Direct-to-Bank Routing (Zero Escrow)
Payments settle directly into merchant bank accounts through NPCI UPI rails. Cosmic Pay does not hold merchant funds in third-party escrow or delay payouts via multi-day settlement cycles.
Technical architecture parameters.
Concrete configuration constants extracted directly from active production gateway scripts.
Direct-to-bank settlement via NPCI UPI rails. Zero intermediary funds holding.
Dynamic session timeout preventing stale payments and securing paise allocation.
Cryptographic hashing on merchant secret keys before persistence in database.
IMAP poller loop and inline checkout polling for near-instant UTR reconciliation.
INSTANT UPI
Start accepting direct UPI payments today.
Open a merchant account, configure your bank UPI VPAs, and integrate our Next.js or PHP SDKs in under ten minutes.