What it is
A customer opens your checkout, scans a QR or taps through to their UPI app, and approves the payment. Cashvya confirms the money actually arrived before telling you the payment succeeded.
Works with any UPI app — Google Pay, PhonePe, Paytm, BHIM, Amazon Pay, CRED and the rest — because UPI is an interoperable standard, not an app-specific integration.
Why "verified" means something here
Most checkout failures come from the gateway guessing. Cashvya does not mark a payment successful because the customer pressed "I have paid". It marks it successful when a bank credit notification has been matched to that specific payment.
- Matching uses the amount, a bounded time window and the UPI reference number.
- Each open payment holds an exclusive slot on a receiving UPI ID, so two customers paying the same amount at the same moment are never confused with each other.
- Duplicate notifications are detected and dropped instead of being counted twice.
- The payment carries a verification level and the sources that confirmed it, visible in your dashboard and in the webhook.
The practical effect: when the webhook says SUCCESS, you can ship.
How a payment progresses
| Stage | What is happening |
|---|---|
INITIATED | Payment created, customer has not started |
QUEUED | Waiting for a receiving slot |
ACTIVE | Roughly 5 minutes to pay, QR and UPI link live |
PROCESSING | Customer says they paid; Cashvya is matching bank notifications |
SUCCESS | Bank credit matched. Webhook sent. |
FAILED / EXPIRED / CANCELLED | No payment arrived, the window elapsed, or the customer left |
Full detail in the API Reference.
Cost and settlement
A flat percentage of each successful payment, with no setup fee and no monthly charge. Failed, expired and cancelled payments cost you nothing. The current rate is on the pricing section and in your dashboard.
Payments are grouped into IST calendar days (12:00 AM to 11:59 PM). The settlement for a day is raised automatically after midnight and paid the following day. Your bank account and UPI ID must both be saved, or the settlement is held until they are.