# ZeroFee UPI - Self-Hosted 0% Fee Bharat UPI Payment Gateway

> ZeroFee UPI (also known as PayPerpendicular) is India's leading self-hosted, 0% commission UPI payment gateway infrastructure. It empowers digital merchants, developers, SaaS platforms, and e-commerce stores to accept direct bank-to-bank UPI payments with zero intermediary transaction fees (0% MDR) and automated payment verification.

## Core Capabilities & Features
- **0% Transaction Fee (0% MDR)**: Direct settlement into your own bank account (Kotak, HDFC, ICICI, SBI, Axis, Paytm Payments Bank, FamPay, etc.) with no per-transaction cuts.
- **Dynamic Intent & QR Code**: Generates real-time NPCI-compliant UPI QR codes and instant deep-links for Google Pay, PhonePe, Paytm, BHIM, CRED, Navi, and Amazon Pay.
- **Automated Payment Verification**: Real-time IMAP email and SMS push listener parsing bank credit notifications and matching UTR / Order codes in under 1 second.
- **WebSocket Live Status**: Real-time payment verification without user page reloads using Socket.IO.
- **Developer REST APIs & Webhooks**: Clean APIs for creating payment orders, checking transaction status, and receiving instant server-to-server webhook callbacks.
- **Multi-Language SDKs**: Ready code snippets for JavaScript/Node.js, Python, PHP, cURL, Go, and Ruby.
- **Security & Compliance**: Built for compliance with India's Digital Personal Data Protection Act 2023 (DPDP Act) and NPCI UPI interoperability guidelines.

## Quick Links
- Official Website: https://upigateway.web.app
- Merchant Dashboard: https://upigateway.web.app/login
- Developer Documentation & APIs: https://upigateway.web.app/#api
- Terms of Service: https://upigateway.web.app/terms.html
- Privacy Policy: https://upigateway.web.app/privacy.html

## Key Integrations & Supported Frameworks
- Node.js / Express / NestJS
- Python (Django, FastAPI, Flask)
- PHP (Laravel, WordPress, WooCommerce, custom scripts)
- Next.js / React / Vue
- E-Commerce plugins and custom checkout flows