merchantgateway.in

What It Is

merchantgateway.in presents a UPI payment gateway service for Indian merchants. The page uses several names, including MERCHANT GATEWAY, Green Pay, and imb Pay. Its core positioning is to help websites, apps, and merchants without a website quickly start accepting UPI payments, offering merchant accounts, REST APIs, SDKs, payment links, subscription billing, transaction reports, and technical support.

Core Capabilities

In terms of payment methods, the text explicitly mentions only UPI, and does not disclose support for cards, wallets, net banking, or cross-border acquiring. The integration layer appears fairly complete, with support for APIs, SDKs, plugins, Webhooks, multilingual code examples, and custom Checkout URLs. It also supports sharing payment links via email, SMS, or social media. Backend features include real-time transaction monitoring, report exports, revenue forecasting, bulk collections, and recurring billing. On security, the page claims PCI DSS infrastructure, two-factor authentication, fraud detection, Tokenization, 3D Secure, and risk assessment.

Pricing and Settlement

Pricing is one of its main selling points: the page claims 0% fees on UPI transactions, no setup fee, and mentions “Just subscribe and use,” but it does not disclose the subscription price. The terms state that Chargebacks cost ₹200 each, and that advanced features are charged at current prices. Settlement information is inconsistent: marketing copy claims same day settlement, and the process description also mentions instant settlement to a bank account; however, the terms state that standard settlement is T+1 business days, with a minimum settlement amount of ₹500, and only to verified bank accounts.

Pros and Cons

The advantages are its clear focus on UPI use cases, multiple integration options, documentation, and WhatsApp support, which can help small and medium-sized merchants go live quickly. The 0% UPI fee is also appealing to cost-sensitive merchants. The drawbacks are also obvious: brand names are used inconsistently, and the legal terms contain placeholders for the address, phone number, and effective date; the site only broadly states compliance with RBI/NPCI rules without showing specific licenses or registration details; and the subscription fee, advanced feature pricing, and actual settlement rules all need further confirmation.

Who It’s For and Access from China

This service is better suited to e-commerce businesses, apps, subscription membership services, and small merchants collecting UPI payments from local Indian consumers. Chinese companies operating in the Indian market should pay particular attention to verifying the Indian entity, KYC requirements, settlement bank account, and compliance credentials. Access from mainland China cannot be determined from the available text and is marked as unknown. Alternatives to consider include more established Indian payment gateways such as Razorpay, Cashfree Payments, PayU India, and PhonePe Payment Gateway.