One UPI ID. Infinite dynamic QRs.
Paste your UPI ID in Settings once. Every bill at your counter instantly generates an NPCI-compliant QR with the exact amount, your shop name and a unique invoice reference. Zero MDR, instant settlement, works with every UPI app in India.
Three steps. Live in 60 seconds.
No KYC. No paperwork. No gateway integration. Your existing UPI ID is everything we need.
Add your UPI ID once
Owner logs in → Dashboard → Settings → SaathiX UPI Pay tab. Paste your VPA (yourshop@hdfcbank, 9876543210@paytm, etc.). Choose Personal or Business account type. Save.
Bill at the counter
Cashier opens POS, scans items, hits Pay. A dynamic QR is generated on-the-fly with the exact bill amount, your shop name and a unique invoice reference — no manual typing.
Customer scans & pays
Customer scans with any UPI app — GPay, PhonePe, Paytm, BHIM, Amazon Pay. Money lands directly in your bank. SaathiX plays a success chime and auto-marks the invoice paid.
Built for Indian retail. Not a gateway in disguise.
Bill-wise dynamic QR
Every invoice gets its own QR with locked amount. Customers can’t under-pay or skip the reference.
0% MDR · 0% commission
SaathiX never touches the money. Funds settle directly into your bank via UPI — the cheapest payment rail in India.
Auto reconciliation
Match UPI credits to invoices automatically. Cashier doesn’t close the bill until the success chime plays.
NPCI-compliant deep links
We generate standard upi:// intents using NPCI specs. Works on every UPI app and every scanner.
Monthly volume tracker
Dashboard shows your monthly UPI throughput with ₹50L compliance alerts at 40L / 45L / 50L thresholds.
Personal vs Business aware
Crossing ₹50L on a personal VPA? SaathiX nudges you to switch to a merchant account before RBI does.
Already a SaathiX user? Set it up now.
Sign in → open the Dashboard → Settings → SaathiX UPI Pay tab. Paste your UPI ID, pick Personal or Business, save. Every new bill from that moment will print a dynamic QR.
UPI ID yourshop@hdfcbank
Account type ● Business ○ Personal
Display name Sharma Kirana Store
Auto QR [ on ]
Success chime [ on ]
[ Save ]Questions, answered
Does SaathiX charge me for UPI payments?
No. Zero rupees. SaathiX only generates the QR — the money flows peer-to-peer between your customer’s UPI app and your bank account on the NPCI rails.
Do I need a payment gateway, Razorpay or Stripe?
Not for UPI. Your existing UPI ID (personal or merchant) is enough. We do not route funds through any third-party PSP.
How fast does money come into my bank?
UPI is instant — usually under 10 seconds. You’ll see the credit in your bank app the moment the customer’s payment succeeds.
What if the customer says ‘paid’ but I didn’t get the money?
Don’t close the bill until you receive your bank’s SMS / app notification, or until SaathiX plays the success chime (if you’ve enabled webhook reconciliation).
Can I use a personal UPI ID like name@okhdfcbank?
Yes, up to ₹50 lakh/month aggregate inward. Beyond that RBI requires a Merchant (P2M) VPA. SaathiX tracks this for you and alerts you in advance.
Is this GST-compliant?
The UPI receipt is just a payment proof — GST is handled by SaathiX’s GST-compliant invoice itself, which carries HSN, tax breakup, IRN/QR (where applicable) and your GSTIN.
Stop typing amounts. Start scanning bills.
Join thousands of Indian retailers collecting UPI the smart way.