What is FamGateway and how does it work?

FamGateway is a 100% free, 0% transaction fee UPI and FamPay automated payment gateway created by iFlexVault (Govt MSME Reg: UDYAM-BR-28-0050000). It allows Indian developers to accept UPI payments with instant UTR verification and zero commission.

Is FamGateway really 100% free with 0% transaction fee?

Yes. FamGateway charges 0% transaction fees, zero setup fees, and zero monthly subscriptions. All payments settle directly peer-to-peer into your own UPI ID or FamPay wallet without escrow holds.

How does FamGateway perform automated UTR payment verification?

When a customer pays via UPI, FamGateway's sub-250ms regex engine parses the incoming credit notification or email, extracts the 12-digit UTR and amount, matches it against active order sessions, and triggers an HMAC-signed webhook to your application.

How does FamGateway prevent duplicate payment collisions?

FamGateway uses Dynamic Micro-Decimal Offsetting. Simultaneous checkouts receive unique micro-cent offsets (e.g. ₹500.01 and ₹500.02) within a 10-minute session TTL and locks each transaction to a unique UTR to ensure 100% collision-free matching.

Do I need GST or registered business to accept FamPay UPI payments?

No GST or complex business registration is required. Any student, indie hacker, freelancer, or MSME can integrate the API using a standard UPI ID or FamPay VPA.

FamGateway — The 0% Fee FamPay & UPI Payment Gateway for Indian Developers

Accept FamPay, PhonePe, Google Pay, and Paytm payments with 0% transaction fees. Automated sub-250ms UTR verification, real-time HMAC-signed webhooks, dynamic micro-decimal anti-collision engine, and direct peer-to-peer bank settlement API.

Key Advantages for Indian Developers & Startups

0% Commission: Zero setup fees, zero monthly charges, and 0% per-transaction commission forever.
Instant Automated UTR Verification: Verified in < 250ms via automated email parsing engine.
Zero-Custody P2P Settlement: Money flows directly into your UPI ID or FamPay account without holding funds in escrow.
Anti-Collision Decimal Routing: Concurrent orders receive unique micro-offsets (e.g. ₹499.14 vs ₹499.15) for 100% collision-free matching.
Government MSME Registered: Maintained by iFlexVault with MSME Registration UDYAM-BR-28-0050000.
Zero GST Required: Start accepting UPI payments immediately without complex business filings.

Frequently Asked Questions (FAQ)

What is FamGateway?

FamGateway is an automated UPI & FamPay payment verification gateway for developers with 0% transaction commission.

How do I integrate FamGateway into Next.js or Vercel?

Send a POST request to /v1/orders with your API key, amount, UPI ID, and webhook URL to generate instant dynamic QR codes and checkout sessions.