moneylandedUPI payments that name their own order.
Money lands in your bank account, not ours. We read the alert your bank already sends and tell you which order it was — no gateway, no screenshots, nothing asked of your customer.
Sign in with your email. No card, no onboarding call, no KYC beyond the bank account you already have.
What your customer sees
Kadai Coffee
Filter coffee 500g
₹499.00
Your money goes straight to the seller.
What you see
- ~160 msfrom your bank's SMS to a confirmed order, measured on a live credit
- ₹0of your money ever passes through us
- 0%of your sale — never a percentage, never a cut
The question your bank already answered
did you get it?
not sure yet, what name did it come from?
sending screenshot
that's a different order i think
Every one of those messages is a question the bank already answered. It just answered it in a text you had to go and read.
Four buyers, one price. Which one just paid?
Your bank says ₹499 arrived from someone@okaxis. It does not say what for. Four people in your DMs bought the same ₹499 kurta this morning, and the handle on the alert is not a name you know — people pay from a parent's account and change apps between orders.
So you ask. And every reply is slower than the sale.
Send a moneylanded link instead and the order is named the moment the money lands: ₹499 received, ORD-4471, ship it. Nothing to ask, nothing to match by hand.
A screenshot is not a payment. Fake-payment apps now play the “payment received” sound too. Your confirmation here comes from your bank's own alert, never from the customer's screen.
A soundbox tells you money arrived. We tell you which order — and it works when the buyer is three cities away.
Your money never comes here
We are a technology service provider, not a payment aggregator. We never receive, hold, pool or disburse your funds. The money goes from your customer's bank to yours; all that reaches us is a copy of the alert your bank already sends you.
- Send a link, or call the API.Create a payment link from the app or the dashboard and send it on WhatsApp or Instagram — or create the order from your own backend with one call.
- Your customer pays you directly.They tap their usual UPI app and the money moves from their bank to yours. It does not pass through us, or through anybody else.
- We tell you which order it was.Your bank's credit alert reaches us — read by the app on your own phone, or forwarded from your inbox — and the order is confirmed, with a record of exactly how we know.
Three taps from a DM to “it's paid”
The app runs on the Android phone that already gets your bank's SMS. Create the link, share it, and get told the moment it is paid — no laptop, no browser.
Not on the Play Store yet, so Android will ask you to allow installs from your browser. There is no iPhone app: iOS grants apps no access to SMS at all — on an iPhone, the built-in Shortcuts app forwards the SMS instead, set up from Settings, with Gmail forwarding alongside it.
Anyone who already takes UPI
Four calls, a signed webhook, and a reason for every confirmation
curl https://moneylanded.com/v1/intents \
-H "Authorization: Bearer vp_<your key>" \
-H "content-type: application/json" \
-d '{"order_id":"ORD-4471","amount_paise":49900,"description":"Filter coffee 500g"}'Then a signed payment.confirmed arrives at your endpoint, carrying the order and the evidence it was matched on. All four calls, with real request and response bodies, are in the quickstart.
A gateway says paid. We say why.
amountthe bank's alert matched exactly one open order — ship on thislatethe customer paid after the order timed out; still theirs, still confirmedreceiptyour Android app handed us the UTR before the bank didmanualyou placed it yourself from the unplaced list
Set your own ship threshold per grade. No gateway gives you the grade at all.
a year, on ₹20,00,000 a month, for the one message telling you a payment arrived.
That is the platform fee. MDR — 0.4% on payments above ₹2,000 from 15 October 2026 — is your bank's charge and applies on any route, with or without a gateway. What disappears here is the percentage on top.
What we will never do
- Hold your money. Not in escrow, not in a nodal account, not for a second. Payments go from your customer's bank to yours and we only observe that it happened.
- Ask your customer for anything. No UPI ID, no reference number, no screenshot. The pay page has no input fields at all.
- Guess. A payment we cannot place with certainty is set aside for you to look at, not assigned to whichever order seems likeliest.
- Charge your customer more than your price. Never a paisa above what you advertised — here is how amounts work, and how to invoice.
Honest about the edges
Some payments cannot be placed automatically, and there are no chargebacks here because nobody is holding the money. We wrote all of it down rather than let you find out later: limits and residual cases.
What this costs you
Free while we are in beta.
A flat subscription later. Never a percentage.
The money is already going to your own account. What a gateway sells you, for a percentage, is the one message telling you it arrived. We will charge a flat price for that message — never a cut of your sale.