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Brand : UnPay
4.3 
10 Ratings & 10 Reviews
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Save upto 18%, Get GST Invoice on your business purchase | 
Users with registered businesses can purchase goods from merchants on the platform to satisfy their business needs. Users are not permitted to utilize any products acquired through the platform for resale, advertising, business, or further distribution.
For each purchase made, users will receive a Tax Invoice (or 'GST invoice') that includes specific details such as:
the GSTIN of the user associated with their registered business, and
the specified Entity Name for their business.
It should be noted that not all products are eligible for GST Invoice. Only the products displayed by participating sellers with the 'GST-based Invoice Available' callout on the product description page would qualify.
Certain goods and services are not eligible to get a GST Invoice, including items with VAS, i.e., Value Added Services (e.g., Total Mobile Protection/Assured Buyback) and those involving an exchange offer at the time of purchase.
Users must ensure the accuracy of the GSTIN, and business entity name provided for the GST Invoice. Requests for corrections into GST Invoice would not be accommodated by Techjockey.com or any Seller, and any issues arising from user-provided information are the sole responsibility of users.
Techjockey.com is not liable for the GST Invoice or any associated input tax credit. To efficiently claim an input tax credit, users should select the registered place of business address as per the GST authority's data and follow the provisions of the GST Act and rules.
To claim an input tax credit, the delivery and billing addresses must match. Furthermore, input tax credits will not be granted if the delivery address and GSTIN on the invoice are from different states. In case of incorrect GST details provided during the order placement, the order will be canceled automatically.
Buy Now & Pay Later, Check offer on payment page. A payment gateway that offers a unified suite of digital banking and payment solutions for businesses and individuals. ...Read more
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Core Functionalities
Branding & Customization The ability to customize the look and feel of the payment process to match your brand. Mobile Responsiveness Ensuring that the payment process is optimized for mobile devices. Payment Links Payment processing solutions that don't require a website. payments can be made through a link by sending it via SMS, Email etc. Guest Checkout Allowing customers to make purchases without creating an account. Instant Settlements The process of settling transactions with your bank account instantly Automated Reconciliation Automatic reconciliation uses software to match transactions between your bank and accounting records, saving time and minimizing Loyalty Management Loyalty management in payment gateways involves integrating features that allow businesses to reward and retain customers through Dedicated Account Manager A payment gateway's dedicated account manager provides one-on-one assistance for any questions or problems you may have. Dedicated POS Dedicated POS Payments in a payment gateway allow merchants to process payments independently using hardware and software. It Multi Currency Support Accept payments from all over the world with different currencies Pre-onboarding Assistance Helping businesses with the process of setting up a merchant account and integrating payment processing into their business. Currency Conversion The ability to process payments in different currencies and automatically convert them to your desired currency. Coupons and Offers Engine A Coupons and Offers creation feature within a payment gateway allows merchants to directly design and manage discount promotions Multi-Language Checkout The ability to process payments and display information in multiple languages. Store Creation Tools and features to create an online store within the payment gateway app Landing Page Creation The landing page creation feature in a payment gateway allows users to create custom web pages for initiating and processing Split Payments Split payment in a payment gateway allows a single payment transaction to be divided and distributed to multiple recipients, such Payment Methods
QR Code Based Payments A QR code payment method is a way to make payments using a smartphone by scanning a special type of barcode called a QR code. Digital Wallet It is an electronic device or online service that allows individuals to make electronic transactions. Net Banking It is a convenient and secure way for customers to manage their bank accounts and perform financial transactions over the UPI Unified Payments Interface is an instant real-time payment system developed by NPCI to facilitate inter-bank transactions through Debit / Credit Cards Accept various payment methods, including credit cards, debit cards, Cardless EMI Cardless EMI is similar to traditional EMI but doesn't require a credit or debit card. It's facilitated through a partnership Buy Now, Pay Later (BNPL) Buy Now, Pay Later (BNPL) in a payment gateway is a feature that allows customers to purchase items immediately but pay for them Cryptocurrency The ability to accept payments in cryptocurrency. ACH Payments ACH or Automated Clearing House payments, are electronic money transfers between banks and credit unions through a computer Subscription Management
Reccuring Payments Recurring payments, also known as subscription payments, auto-debit, or automatic payments, occur when a customer authorizes a Proration Proration is a billing model that adjusts a customer's bill to reflect changes to their plan during a billing cycle. Dunning Dunning refers to the process of communicating with customers to collect overdue payments. Administrative Features
Reporting & Analytics Tools that allow merchants to track their payment activity, generate reports, and gain insights into their sales data. Merchant Portal A web interface that allows merchants to manage their payment accounts, view transactions, and access other features. User Access Management User, role, and access management in a payment gateway are ways to control who can access what features and data in the system Tax Management Tax management involves automatically calculating, applying, and handling taxes during transactions. Invoice Generation Automatically creates invoices for transactions, saving time and reducing errors. It includes all necessary details such as the Security Features
Risk Management Managing risks in payment gateways involves identifying, assessing, and minimizing potential issues associated with processing PCI DSS Compliance Ensures a business adheres to Payment Card Industry Data Security Standards to protect cardholder information. Fraud Detection & Prevention Systems that analyze transactions for suspicious patterns to identify and block fraudulent activity. Automatic Device Recognition Automatic device recognition is a security feature used by payment gateways to identify and authenticate devices that initiate Multi-Factor Authentication (MFA) Multi-Factor Authentication (MFA) refers to an authentication process that requires two or more verification factors to gain Two-Factor Authentication (2FA) Two-factor authentication in a payment gateway adds an extra layer of security by requiring users to verify their identity Tokenization Replaces sensitive data (like credit card numbers) with a unique identifier (token) for secure storage and processing. Integrations Supported
API Integration Integrating an API into a payment gateway platform connects your website or app to securely process payments, handle Third Party Integration Integrating a 3rd party plugin into a payment gateway platform allows you to accept payments directly on your site without SDK Integration SDK integration in a payment gateway platform involves incorporating the payment gateway's software development kit (SDK) into CRM Integration CRM integration with a payment gateway connects a CRM system to a payment gateway, allowing businesses to merge customer data E-Commerce Integration E-commerce integration in a payment gateway platform means connecting the payment system with an online store. Order Management Order management is the process of handling customer orders from placement to delivery. It's a crucial part of a business's POS Integration A hardware and software solution used in retail environments to process sales transactions, manage inventory, and handle customer Alerts & Notifications
Transaction Notifications Tells you about transactions happening on your system, such as when a payment is successful or fails. Downtime Alerts A message that tells you when the payment system is not working or is down. It helps you know immediately when there’s a Security Alerts An alert that warns you about potential security threats, such as suspicious activities or attempts to hack into the system. Discrepancy Alerts A notification that notifies you when there are inconsistencies or mismatches in transaction details, such as differences in Custom Event Notifications Personalized messages set up to alert you about specific events or actions that you consider important, such as a high-value Others
Dispute Management Handle chargebacks and transaction disputes with streamlined resolution workflows. Payment Advanced Routing Route payments via optimal paths to improve success rates and reduce costs. Payment Queue & Retry Automatically queue and retry failed payments until success or threshold. Payment Processing Process incoming payments (cards, UPI, net banking, etc.) securely and efficiently. Payout Management Disburse funds to vendors, users or partners via bank transfers or other channels. Verification Validate identity, documents or accounts to reduce fraud & ensure compliance. Video KYC Conduct live video-based KYC for remote user onboarding and identity verification. Payment Switch A smart gateway that switches between multiple payment providers & channels. Advanced Checkout Enhanced checkout flows (dynamic pricing, split payment, upsell, etc.) Bill Payments Enable users to pay utility, telecom, and service bills seamlessly within your platform.
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Pros
“UnPay’s case studies highlight “transforming digital payments for businesses”, with high success rates and scalability.” Ranchhod Soni - Oct 28, 2025
“UnPay markets itself as “business banking + payments” for companies of all sizes.” Deepika Sirohi - Sep 1, 2025
“UnPay supports dynamic & static QR codes, AEPS (Aadhaar Enabled Payment System) and BBPS bill payments useful for physical retail merchants.” A Kay - Aug 13, 2025
Cons
“While scalable, onboarding some legacy merchant types still required manual interventions and custom KYC.” Ranchhod Soni - Oct 28, 2025
“My SaaS business needed international card & USD settlement; UnPay currently focuses more on Indian domestic payments, so for some global needs I still use a second provider.” Deepika Sirohi - Sep 1, 2025
“If you’re in a remote region with poor connectivity, QR settlement latency still occurs occasionally.” A Kay - Aug 13, 2025
Verified reviewer:
Accountant, Defense & Space
1000+ Employees
Software user since: 1-2 years
Reviewed on: Oct 28, 2025
Verified reviewer:
Accountant, Graphic Design
101-500 Employees
Software user since: 6-12 months
Reviewed on: Sep 1, 2025
Verified reviewer:
Manager, IT
501-1000 Employees
Software user since: 1-2 years
Reviewed on: Aug 13, 2025
| Brand Name | UnPay |
| Information | UnPay is a leading Neo Banking and Fintech Platform in India, providing end-to-end digital banking and payment solutions tailored for businesses of all sizes. We enable seamless financial operations through our connected banking infrastructure, empowering enterprises to manage their payments |
| Founded Year | 2017 |
| Director/Founders | Ariyan Saikh |
| Company Size | 101-500 Employees |
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