Accept direct Paytm UPI & Dynamic QR payments with zero middleman holding. Instant customer redirection, automated order status polling, and real-time webhook callbacks.
See how Paytm Gateway compares to traditional payment gateways with long settlement delays and high transaction fees.
| Feature / Spec | Paytm Gateway (Paytm Direct) | Traditional Gateways |
|---|---|---|
| Transaction MDR Fee | 0% Transaction Charges | 2.0% – 3.5% + GST per txn |
| Settlement Time | Instant Direct Bank Credit (T+0) | T+2 to T+3 Business Days Delay |
| Token Expiration | 5-Minute TTL Tokenization | Static links / 30-min long windows |
| Paytm Intent Support | Native paytmmp:// Intent Link | Generic browser redirects |
| Real-time Webhooks | Instant HTTP POST Callbacks | Delayed queue processing |
| KYC Documentation | Instant Paytm Merchant Link | Multi-week business paper review |
No complicated redirects or hidden steps. Here is the exact technical flow from order initialization to bank credit.
Your server sends a POST payload to /api/create-order.php containing user_token, amount, order_id, & customer mobile.
The gateway generates a unique 5-minute link token (/pay/instant-pay/{link_token}) with dynamic UPI QR & Paytm intent string.
The customer scans the QR code or taps the Paytm Intent link (paytmmp://...) to pay instantly on their phone.
Funds settle directly into your linked bank account. The system fires a webhook callback to your server and updates status to SUCCESS.
Experience how fast the gateway generates payment tokens. Type a custom order amount below to simulate creating a payment order.
Test verifying transaction status programmatically using Order ID and User Token.
Simple JSON payload endpoints. Copy-paste code directly into your stack.
<?php
$ch = curl_init("https://www.pay.titanpanel.shop/api/create-order.php");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
curl_setopt($ch, CURLOPT_POST, true);
curl_setopt($ch, CURLOPT_POSTFIELDS, http_build_query([
'user_token' => 'YOUR_MERCHANT_USER_TOKEN',
'amount' => '500.00',
'order_id' => 'ORDER_' . time(),
'customer_mobile' => '9876543210',
'redirect_url' => 'https://yourwebsite.com/payment-success.php',
'remark1' => 'Web Purchase',
'remark2' => 'Item #102'
]));
$response = curl_exec($ch);
$result = json_decode($response, true);
if ($result['status'] === true) {
// Redirect customer to Paytm Payment Page
header("Location: " . $result['result']['payment_url']);
exit();
} else {
echo "Error: " . $result['message'];
}
?>curl -X POST "https://www.pay.titanpanel.shop/api/create-order.php" \
-d "user_token=YOUR_MERCHANT_USER_TOKEN" \
-d "amount=500.00" \
-d "order_id=ORDER_123456" \
-d "customer_mobile=9876543210" \
-d "redirect_url=https://yourwebsite.com/success" \
-d "remark1=Product Purchase"const formData = new URLSearchParams();
formData.append('user_token', 'YOUR_MERCHANT_USER_TOKEN');
formData.append('amount', '500.00');
formData.append('order_id', 'ORD_' + Date.now());
formData.append('customer_mobile', '9876543210');
formData.append('redirect_url', 'https://yourwebsite.com/success');
fetch('https://www.pay.titanpanel.shop/api/create-order.php', {
method: 'POST',
body: formData
})
.then(res => res.json())
.then(data => {
if(data.status) {
window.location.href = data.result.payment_url;
} else {
alert('Payment Error: ' + data.message);
}
});import requests
payload = {
'user_token': 'YOUR_MERCHANT_USER_TOKEN',
'amount': '500.00',
'order_id': 'ORDER_998877',
'customer_mobile': '9876543210',
'redirect_url': 'https://yourwebsite.com/success'
}
response = requests.post('https://www.pay.titanpanel.shop/api/create-order.php', data=payload)
data = response.json()
if data.get('status'):
print("Payment URL:", data['result']['payment_url'])
else:
print("Failed:", data.get('message')){
"status": true,
"message": "Order Created Successfully",
"result": {
"orderId": "ORDER_123456",
"payment_url": "https://www.pay.titanpanel.shop/pay/instant-pay/e3b0c44298fc1c149afbf4c8996fb92427ae41e4649b934ca495991b7852b855"
}
}Keep 100% of your earnings. Pick a merchant plan that fits your business scale.
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Paytm Gateway is a Paytm UPI payment gateway API for businesses and developers. It allows you to generate dynamic UPI QR codes and Paytm app intent links for orders created via API, receiving real-time webhook callback notifications once customer payment completes.
Payments made by customers via Paytm UPI go directly into your linked merchant bank account or Paytm Business account. There is no middleman escrow or manual withdrawal required.
For security, every payment token link generated by /api/create-order.php has a 5-minute time-to-live (TTL). If a customer does not complete payment within 5 minutes, the link expires automatically.
You can verify order status programmatically by sending a POST request to /api/check-order-status.php with your user_token and order_id. It returns transaction status (COMPLETED or PENDING) along with the UTR number.
If a UPI transaction fails at the bank level, NPCI automatically returns the amount to the customer's account. Because payments are direct bank-to-bank via Paytm UPI, refunds follow NPCI standard bank timelines.