Autonomous UPI Payment
Reconciliation Engine

OpenPay helps developers automatically attribute offline UPI payments to online orders in seconds. No payment gateway. No transactional fees. Reconciled autonomously by AI agents.

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Attribution in Four Steps

From user scan to database credit verification.

1. Link Companion App

Enter your unique 6-digit connection token in the companion Android application to link your phone.

2. Customers Pay

Generate standard UPI payment links on your site. Customers pay directly to your VPA using any UPI app.

3. Capture SMS Alert

The companion app instantly captures the incoming bank credit SMS alert and forwards it to OpenPay.

4. AI Parse & Webhook

Gemini AI parses the alert (UTR, amount, bank), logs the transaction, and pushes a signed webhook to your server.

What OpenPay IS NOT

✕**Not a Payment Gateway:** We never process credit card/bank details or hold payments.
✕**Not a Wallet:** No customer deposits, no balances, and no money storage.
✕**No Settlements:** Funds settle directly into your bank account through UPI standard protocols.

What OpenPay IS

✓**Attribution Engine:** Attributes offline UPI bank alerts to your online database in real-time.
✓**Developer Infrastructure:** Relies on robust API interfaces and HMAC webhook systems.
✓**Agentic Loop:** Performs advanced reasoning to classify transactions rather than fragile regex alone.

Autonomous UPI Payment Reconciliation Engine