Accept UPI payments for your digital products in minutes.

UPI is how the vast majority of Indian consumers pay online today - it works directly from a bank account, needs no card details, and is familiar to virtually every smartphone user in India through GPay, PhonePe, or Paytm. A checkout that only accepts international cards (as most global platforms default to) shuts out a large share of potential buyers who simply don't have or don't want to use a card online.

For creators selling digital products priced in the ₹99-₹999 range especially, UPI conversion rates are typically much higher than card-only checkouts, because the payment feels instant, familiar, and doesn't require entering 16-digit card numbers on a phone screen.

To accept UPI payments directly through your own Razorpay or Cashfree account, you typically need business KYC, PAN, a registered business bank account, and sometimes a GST registration depending on your turnover - this process can take days to weeks and isn't something most solo creators want to deal with just to sell a ₹299 template.

On Kreato, none of that setup is needed on your end - Kreato's own Razorpay integration handles the UPI checkout, and you only need to add your personal Indian bank account details to receive payouts. You're selling as a creator through Kreato's platform, not running your own merchant account.

When a buyer completes a UPI payment, Razorpay sends a webhook confirming the payment the moment it clears - typically within seconds. Kreato listens for that webhook, verifies it's authentic, marks the order as paid, and immediately triggers file delivery (a secure, time-limited download link) and a GST invoice email - all without you doing anything manually.

This is different from the common "UPI QR code + WhatsApp screenshot" approach many creators use, where you have to visually verify each screenshot and manually send the file - a process that doesn't scale past a handful of sales a day and is prone to errors and delayed delivery.

For most digital-product buyers in India, UPI is preferred for its speed and familiarity - especially on mobile, which is where the majority of social-media-driven traffic converts. Cards matter more for slightly higher-priced products (₹1,000+) or for buyers who prefer using a corporate card for expense tracking. Net banking is a smaller share but still useful to keep in the mix for older or more conservative buyers.

Offering all three (as Kreato does by default through Razorpay) maximizes conversion since you're not forcing a payment method preference on the buyer - they simply pick whichever is fastest for them at checkout.

Building a custom checkout with UPI support from scratch means integrating a payment gateway SDK, handling webhook verification, building secure file delivery, generating invoices, and maintaining all of it - realistically weeks of development work even for an experienced developer, plus ongoing maintenance as payment provider APIs change.

Kreato gives you all of this pre-built: UPI/card/net-banking checkout, automatic secure delivery, GST invoicing, and weekly payouts - live in under 10 minutes instead of weeks, at a flat 5% fee instead of the cost of building and maintaining your own infrastructure.