Backed by Dynextron Services India Limited

Enterprise Payments,
Engineered for Scale.

A robust, zero-friction payment gateway featuring automated UTR deduplication, dedicated REST APIs, and strict financial compliance logic for modern Indian businesses.

Start Processing Read the API Docs

Flexible Settlement Architecture

Choose the routing model that fits your cash flow requirements. Transparent pricing, no hidden setup fees.

Direct Routing Model

Merchant QR

0.5% per transaction

Retain full control. Customers scan your personal/business UPI QR code, routing funds directly to your bank account instantly. Paygem deducts a minimal software fee from your prepaid wallet for automated UTR verification and API ledger syncing.

Instant T+0 Bank Settlement
Uses your existing UPI ID
Ideal for low-margin, high-volume

Managed Ledger Model

Paygem Master QR

0.9% per transaction

Let Dynextron handle the backend. Customers scan the official Paygem merchant QR. We process the collection, secure the funds, and execute an automated payout to your registered bank account on a T+7 schedule.

Automated T+7 Ledger Payouts
No prepaid wallet maintenance required
Centralized refund management

Developer-First Integration

Paygem was built by developers, for developers. Generate unique payment intents, poll transaction statuses, and receive cryptographically signed HMAC-SHA256 webhooks instantly upon UTR verification.

Generate Intent

Pass order details to our `/payment/create` endpoint.

Secure Checkout

Customer submits UTR against the generated Paygem session.

Webhook Delivery

Your server receives a signed JSON payload confirming the payment.

POST /api/v1/payment/create

curl -X POST https://api.paygem.co/v1/payment/create \
  -H "Authorization: Bearer sk_live_dynextron123" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 1499.00,
    "currency": "INR",
    "order_id": "ORD_987654",
    "customer_email": "user@example.com"
  }'

# Response: 200 OK
{
  "status": "success",
  "txn_id": "pg_5f8a9b2",
  "checkout_url": "https://paygem.co/pay/pg_5f8a9b2"
}

Bank-Grade Security & Compliance

Database Deduplication

Strict UNIQUE constraints on our TiDB ledgers ensure a single UTR can never be used to verify multiple orders. Zero double-spending.

Strict KYC / AML

Comprehensive merchant verification protocols. All businesses must submit official documentation for admin approval before API activation.

HMAC Webhook Signing

Every server-to-server webhook notification is cryptographically signed using a secure secret, preventing spoofed payment verifications.

Enterprise Payments, Engineered for Scale.