OWN YOUR PAYMENT EXPERIENCE

You Built the Business.
Now Own the Payment Experience.

Meet DISHA 8.2. Direct UPI tools, your own merchant workspace, and payment software you can run on infrastructure you control.

Explore DISHA Calculate Your Savings
One-Time Software Price 0% DISHA Commission Your Deployment
↗Direct UPIPayment links & QR ▦Merchant WorkspaceEverything in one view ◇Trust & ControlsClearer payment records ₹One-Time PricingBased on verified savings
BUSINESS PAYMENTS, MADE MORE YOURS

Business Payments,
Made More Yours.

The right tools should make your day simpler, not give you another system to manage. Explore how DISHA 8.2 organizes your payment operations across seven distinct capabilities.

01 · DIRECT UPI CHECKOUT

Direct customer-to-bank checkout.
Zero gateway detour.

When a customer taps to pay, their payment intent routes directly to your verified bank VPA. No third-party gateway holds the funds in an escrow pool or delays your payout until the next business day.

  • ✓ Direct settlement into your verified bank account
  • ✓ 0% transaction commissions taken by DISHA
  • ✓ Compatible with Google Pay, PhonePe, Paytm & BHIM
Calculate Your Net Savings
9:41 UPI INTENT
D
Your Merchant Store merchant@hdfcbank
AMOUNT PAYABLE ₹1,249.37 ✦ Paise Challenge #37 Included
GPay
PhonePe
Paytm
BHIM
✓ Direct to HDFC Bank Ledger
02 · UNIFIED MERCHANT WORKSPACE

All your daily transactions.
One calm screen.

Replace five scattered login tabs with a single merchant control view. Real-time volume, today's settlement curve, active bank rails, and live verified receipts.

DISHA 8.2 Merchant Hub LIVE RECONCILIATION · HDFC / ICICI / AXIS
● ● ●
TODAY'S VERIFIED VOLUME
₹42,850.00 ↗ +14.2%
Direct to Bank · Zero Holdbacks
TODAY'S SETTLEMENT VELOCITY
ACTIVE PAYMENT RAILS
HDFC Bank VPA● Connected
ICICI Bank VPA● Connected
Axis Bank VPA● Standby
04 · MULTI-RAIL UPI MANAGEMENT

Connect multiple bank accounts.
Never drop a sale.

Add VPAs across HDFC, ICICI, SBI, or Axis Bank. If one banking rail experiences downtime or peak latency, DISHA intelligently routes the payment intent to your active secondary rail.

HDFC Primary Rail
merchant@hdfcbank
Success Rate99.98%
Avg Latency850ms
HealthOptimal
ICICI Failover Ready
store@icicibank
Success Rate99.94%
Avg Latency920ms
HealthReady
AXIS Load Balanced
billing@axisbank
Success Rate99.90%
Avg Latency1.1s
HealthStandby
05 · AUDIT-READY FINANCIAL LEDGER

Every rupee accounted for.
Reconciled in real time.

No end-of-month mystery discrepancies. DISHA logs every transaction with its 12-digit UTR, customer reference, timestamp, and challenge paise in a cryptographic balanced ledger.

Date / Time UTR Reference Paise Fingerprint Payment Rail Status Net Credit
15 Nov, 14:32:08 UTR-332198421098 .37 paise HDFC Direct ✓ Settled +₹1,249.37
15 Nov, 14:28:44 UTR-332198421102 .82 paise ICICI Direct ✓ Settled +₹450.82
15 Nov, 14:15:19 UTR-332198421110 .14 paise HDFC Direct ✓ Settled +₹3,500.14
Total Verified Ledger: ₹1,48,290.00 across 114 transactions ● Double-Entry Balance: 0 Discrepancies
06 · HARDWARE-FREE AUDIO SOUNDBOX

Spoken payment confirmations.
Without renting a soundbox.

Turn any smartphone, tablet, or shop laptop into an instant audio soundbox. Hear spoken voice confirmations immediately when a receipt passes Layer 7 verification—saving ₹125 to ₹150 every month in hardware rentals.

ZERO HARDWARE RENTAL Save ₹1,500+ per counter every year
SPOKEN CONFIRMATION PREVIEW "Payment of ₹1,249.37 verified on DISHA"
07 · ZERO-TRUST RISK CONTROLS

Deterministic security.
No blind trust.

Protect your cashflow against fake screenshot scams, duplicate UTR submissions, and expired sessions. DISHA runs seven strict verification layers before settling any receipt into your ledger.

⌛

Time-Bound Sessions

Payment challenges expire after 15 minutes, preventing stale requests or recycled transaction attempts.

✓ Active Layer 1
✦

Paise Fingerprint Match

Every checkout amount is globally unique in its window, making receipt matching mathematically unambiguous.

✓ Active Layer 2
🛡️

Duplicate UTR Rejection

Once a 12-digit bank UTR is verified, any subsequent submission is instantly rejected and flagged.

✓ Active Layer 3
● DISHA Security Shield: All 7 Deterministic Layers Enforced in Real Time
WHY DISHA

More Independence.
Less Getting in Your Way.

Your business is yours. The software behind it should give you more control, too.

DISHA is built around merchant-controlled deployment, a clear operational workspace, and a pricing model that doesn't depend on collecting a DISHA commission every time you sell.

BENEFIT 01 · OWNERSHIP

Run DISHA in your chosen hosting environment.

Your customer data, bank API credentials, and transaction logs remain strictly inside your own infrastructure perimeter. Whether deployed on AWS, Google Cloud, DigitalOcean, or private bare metal, you hold the root keys with zero third-party platform lock-in.

  • ✓ Merchant-Controlled Perimeter: Deployed in your private VPC or on-premise server.
  • ✓ Zero Telemetry Detours: Payment receipts are verified directly against your bank records.
  • ✓ Full Database Sovereignty: PostgreSQL or SQLite storage you control and back up yourself.
BENEFIT 02 · SIMPLICITY

Manage supported payment functions and business records together.

Stop switching between disjointed bank portals, payment gateway dashboards, hardware soundbox subscription bills, and separate spreadsheet trackers. DISHA unites UPI collection, real-time voice verification, dynamic QR codes, and a balanced double-entry ledger into one calm, readable workspace.

  • ✓ Unified Checkout Operations: Handle UPI intents, dynamic links, and counter QR codes in one flow.
  • ✓ Browser-Based Voice Alerts: Audible payment confirmations on phone or desktop without hardware rental fees.
  • ✓ Reconciled General Ledger: Every transaction mapped with 12-digit UTR, micro-paise tag, and instant CSV/PDF export.
BENEFIT 03 · FAIR PRICING

Pay once using the four-month verified savings formula.

Software should empower your enterprise, not tax its growth forever. Instead of siphoning a permanent 1.5% to 2.0% cut from every customer transaction, DISHA's one-time perpetual license is strictly calculated from four months of your verified monthly net savings. Every rupee saved thereafter stays in your business.

  • ✓ Objective Formula: One-Time Price = 4 × (Avoidable Monthly Costs − Hosting Expenses).
  • ✓ 0% Commission to DISHA: No transaction tolls or recurring percentage deductions.
  • ✓ Compounding Advantage: As your sales volume grows, your savings grow while your software cost stays zero.
Calculate Your One-Time Price
BUILT FOR REAL BUSINESSES

Designed for businesses across India.
Across counters, screens, and services.

DISHA adapts to the way your business collects money. Whether you welcome walk-in customers or send invoices across the country, your checkout experience remains entirely yours.

🏪

Retail & Counter Stores

Kiranas, boutiques, hardware stores, and supermarkets needing instant payment verification without physical card terminal rental costs.

🛒

E-Commerce & Online Stores

Direct UPI checkout with automatic paise fingerprinting to eliminate payment collisions and avoid gateway percentage tolls.

💻

Digital Service Providers

Agencies, freelancers, and software consultants sending clean payment requests for project milestones and retaining full invoice amounts.

🎓

Education & Training

Coaching centers, academies, and workshops collecting tuition and registration fees directly into verified accounts without delays.

⚖️

Professional Services

Chartered accountants, legal professionals, and medical clinics that require dependable transaction privacy and predictable cashflow.

🎨

Online Merchants & Creators

Selling digital downloads, memberships, and creative work with direct UPI intent links and no recurring third-party platform cuts.

🔄

Subscription & Invoicing

Businesses with regular customer billing cycles using supported UPI collection workflows without paying repetitive monthly fees.

⚙️

Customized Payment Operations

Companies that require self-hosted payment verification on private servers, complying with strict internal audit and data policies.

OUR STORY, IN 15 SECONDS

A customer is ready to pay.
Why should software stand in the way?

Picture a busy counter. A customer reaches for their phone. You're ready to complete the sale. Then comes the familiar frustration: fees that chip away at your hard work, delayed notifications, and third-party gateways that hold onto your money.

DISHA was created around a simple conviction: direct UPI was built for merchants and customers to connect directly. Your payment software should work for you, live on infrastructure you control, and never take a cut of your daily bread.

See How DISHA Works Calculate Your Savings
0:00 / 0:15
● SCENE 1: Marketplace Connection
Customer and shopkeeper in a colorful Indian marketplace ready to make a sale.
✦ 15-second DISHA 8.2 animated commercial · Self-paced with full audio controls
BUILT FOR EVERYDAY BUSINESS

Simple from start to finish.
How direct verification works.

No complicated checkout SDKs or proprietary apps required for your customers. Here is how simple the daily flow is.

01
▣

Set up your workspace

Configure your merchant profile and connect your supported UPI details in minutes. Everything is under your control.

02
↗

Customer pays with any UPI app

Generate a payment link or dynamic QR with an unambiguous paise challenge (e.g. ₹100.37). Customers pay instantly.

03
✓

Seven layers verify instantly

DISHA verifies the receipt, paise fingerprint, and session window, crediting your ledger directly with a voice alert.

BUSINESS SOLUTIONS

One clear workspace.
Designed for how you actually work.

Tools that meet you where you're working—behind your shop counter, on your laptop at home, or checking in from your phone.

MERCHANT CONTROL CENTER

Your business in one clear view.

Open your payment requests, live activity, bank records, and configuration without jumping between disconnected tools.

Open merchant login ↗
DISHA Merchant Hub Preview
▦

Payment links & QR

Let customers pay in the familiar way they already trust.

↗ ◇

Evidence-aware checks

Protect against duplicate references and timing collisions.

↗ ≋

Reports & ledger

Understand your numbers with balanced accounting records.

↗ ♪

Browser voice alerts

Hear spoken payment confirmations without renting a soundbox.

↗
TRUST AND FRAUD-AWARE CONTROLS

Know More.
Guess Less.

Payments deserve care. DISHA helps businesses organize transaction information and identify signals that may need a closer look.

DETERMINISTIC VERIFICATION

Evidence Evaluation Console

DISHA inspects technical signals across 7 layers to help you verify payment legitimacy before release.

7 Active Control Signals Monitored
Live Verification Telemetry Sample Session #D82_94A2
⏱
Time-Bound Session (15s TTL) Active challenge window [14.2s remaining]
Passed
⛨
Duplicate Reference Check UTR #332198421098 [Unique · 0 Replays]
Passed
◈
Transaction-Specific Amount Order ₹1,249.00 + ₹0.37 paise fingerprint
Passed
📋
Operational Activity Review Logged in merchant audit trail (20:25:12 IST)
Passed
01 ⏱

Time-bound sessions

Connect payment activity to a strictly defined session and ephemeral time window (15-second TTL) that expires automatically to prevent stale checkouts.

02 ⛨

Duplicate reference checks

Cross-reference the 12-digit bank UTR against your indexed transaction database in real time to catch and flag repeated reference submissions.

03 ◈

Transaction-specific amounts

Micro-paise fingerprint injection (e.g. ₹0.37) creates mathematically unique checkout amounts, eliminating collisions between simultaneous buyers.

04 📋

Operational activity review

Comprehensive chronological audit trails log every receipt intake, manual inspection, status update, and operator action with timestamps.

05 🔍

Available evidence analysis

Multi-factor verification inspecting receipt structure, payer VPA syntax, transaction amounts, and reference formatting against bank standards.

06 📊

Transaction records

Structured double-entry accounting records with exportable CSV and PDF reports, giving you clean reconciled books for audits and tax filing.

07 🔐

Merchant access and configuration controls

Granular role-based team permissions, rotated HMAC webhook keys, and configurable alert thresholds managed entirely within your workspace perimeter.

NOTICE

No software can guarantee the elimination of fraud. Controls and status indicators must be assessed against the actual payment evidence available. DISHA provides transparent technical checks to assist merchant operational review without making unrealistic safety guarantees.

FAIR BY DESIGN

Pay once.
Keep the savings for years.

We calculate the payment-software costs DISHA can actually help your business remove. Your price is four months of those verified net savings—one time.

YOUR DISHA LICENSE 4× verified monthly net savings

One complete product.
One agreed price.

No monthly DISHA software subscription. No commission charged by DISHA on each transaction. No compulsory plan upgrades as your business grows.

✓ Perpetual license for the purchased version ✓ Self-hosted deployment on your infrastructure ✓ No volume-based license repricing
YOUR BUSINESS, YOUR NUMBERS

Estimate your one-time price

₹

Use real expenses from your statements. Estimates are based on verifiable costs.

₹0₹50 lakh
0%3%
₹
₹
Estimated monthly net savings₹10,000
Your one-time DISHA price₹40,000
Estimated first-year net benefit₹80,000
Only use fees DISHA can genuinely replace. Bank/network charges, taxes and hosting may still apply.
GOOD QUESTIONS, CLEAR ANSWERS

A few things
worth knowing.

Because choosing your payment software is a business decision, not just a design preference.

What exactly am I buying?+

A perpetual license for the agreed DISHA software version, plus the installation and handover services in your quotation. The intellectual property stays with DISHA unless separately agreed.

Do I pay DISHA every month?+

No recurring DISHA software subscription under this model. Your own hosting, third-party network or banking charges, taxes, and optional services remain separate.

How is my price calculated?+

Four months of verified monthly net savings: genuinely removable costs, less new ongoing expenses introduced by your deployment.

What if I already pay zero UPI fees?+

We'll review other genuinely removable software and operating costs. If positive savings cannot be established, we won't invent a savings-based quotation.

Does DISHA guarantee a payment is safe?+

No. The platform includes available transaction and evidence controls to improve visibility and reduce specific operational risks, not a guarantee that fraud cannot occur.

Can I sign up immediately?+

Existing merchants can log in now. New merchant access requires authorized provisioning; use the estimate to understand the commercial model while onboarding is arranged.

MORE BUSINESS. LESS DEPENDENCE.

You built it.
Now make the software yours.

Direct UPI tools, a clearer merchant workspace, and a one-time license designed around the savings you can actually demonstrate.

Calculate Your Price Merchant Login