Full control over your checkout and payment experience. Build exactly what your product needs.
India is a UPI-first behavior market. Traditional gateways architect their APIs around Card tokenization logic, forcing you to use their bloated SDKs to handle the front-end rendering.
SMEPay is entirely different.
We pass the raw intent strings and dynamic QR URIs directly to your backend. You decide how to render them. You own the frontend. This complete zero-friction integration improves your conversion by presenting natively built checkouts.
POST requests to generate unique transaction IDs and receive the raw UPI payload for rendering.
Query an order's status securely server-to-server if you need synchronous state resolution.
Receive automated asynchronous POST callbacks to your endpoint exactly when the bank clears the transaction.
constresponse =awaitfetch('https://api.smepay.in/v1/orders', {method: 'POST', headers: {'Authorization': \`Bearer \${SMEPAY_API_KEY}\`,'Content-Type': 'application/json'}, body: JSON.stringify({amount: 1200.50, currency: "INR", receipt: "rcpt_001", customer: { phone: "9999999999" }})});// Returns: it handles all the heavy lifting// { "id": "order_XXXX", "upi_intent_uri": "upi://pay?pa=...", ... }
Webhooks are cryptographically signed using SHA256 HMAC protocols. You can verify every incoming callback against your Webhook Secret to ensure data integrity and prevent spoofing.