Programmable UPI Checkout & Real-Time UTR Verification.

<?php
$payload = [
    'amount'           => 250.00,
    'payment_provider' => 'fampay', // 'fampay' | 'paytm' | 'bharatpe'
    'client_order_id'  => 'INV-2026-991',
    'customer_name'    => 'Rohan Gupta',
    'customer_email'   => 'rohan@example.com',
    'description'      => 'Pro Plan Renewal',
    'redirect_url'     => 'https://yourstore.com/thank-you',
    'expiry_minutes'   => 15
];

$ch = curl_init('https://freex.mixygrow.in/api/v1/create');
curl_setopt_array($ch, [
    CURLOPT_POST           => true,
    CURLOPT_RETURNTRANSFER => true,
    CURLOPT_HTTPHEADER     => [
        'Content-Type: application/json',
        'X-API-Key: fam_live_your_api_key_here'
    ],
    CURLOPT_POSTFIELDS     => json_encode($payload)
]);

$response = json_decode(curl_exec($ch), true);
// Redirect customer to $response['payment_url']

{
  "ok": true,
  "order_id": "ord_m9z8x4a1",
  "amount": 250.00,
  "payable_amount": 250.00,
  "payment_provider": "fampay",
  "status": "pending",
  "upi_link": "upi://pay?pa=merchant@fam&pn=Store&am=250.00&cu=INR&tr=ord_m9z8x4a1",
  "payment_url": "https://freex.mixygrow.in/pay/ord_m9z8x4a1",
  "qr_data": "data:image/png;base64,iVBORw0KGgoAAAANS...",
  "expires_at": "2026-10-19T07:30:00.000Z"
}

const response = await fetch('https://freex.mixygrow.in/api/v1/paytm/create', {
  method: 'POST',
  headers: {
    'Content-Type': 'application/json',
    'X-API-Key': process.env.PAYZAPY_API_KEY
  },
  body: JSON.stringify({
    amount: 499.00,
    customer_email: 'buyer@client.io',
    description: 'Annual License'
  })
});

const order = await response.json();
console.log('Checkout URL:', order.payment_url);

import requests

res = requests.post(
    "https://freex.mixygrow.in/api/v1/bharatpe/create",
    headers={"X-API-Key": "fam_live_your_api_key_here"},
    json={
        "amount": 999.00,
        "customer_name": "Riya Verma",
        "description": "Cloud Server Deposit"
    },
    timeout=15
)
order = res.json()
print("Checkout Link:", order["payment_url"])

# 1. Check Order Status & Trigger Auto-Verification
curl "https://freex.mixygrow.in/api/v1/check?order_id=ord_m9z8x4a1" \
  -H "X-API-Key: fam_live_your_api_key_here"

# 2. Verify Specific 12-Digit UTR Against Provider Ledger
curl -X POST "https://freex.mixygrow.in/api/v1/verify" \
  -H "Content-Type: application/json" \
  -d '{
    "order_id": "ord_m9z8x4a1",
    "utr": "412389102938"
  }'

{
  "ok": true,
  "order_id": "ord_m9z8x4a1",
  "status": "paid",
  "amount": 250.00,
  "payable_amount": 250.00,
  "payment_provider": "fampay",
  "utr": "412389102938",
  "paid_at": "2026-10-19T07:18:42.000Z"
}

<?php
$rawBody   = file_get_contents('php://input');
$signature = $_SERVER['HTTP_X_FAMPAY_SIGNATURE']
          ?? $_SERVER['HTTP_X_PAYZAPY_SIGNATURE']
          ?? '';
$secret    = 'whsec_your_webhook_secret';

$expected = hash_hmac('sha256', $rawBody, $secret);

if (!hash_equals($expected, $signature)) {
    http_response_code(401);
    exit('Invalid webhook signature');
}

$payload = json_decode($rawBody, true);
if (($payload['event'] ?? '') === 'order.paid' || ($payload['status'] ?? '') === 'paid') {
    // Fulfill order in your database
}
http_response_code(200);
echo 'OK';

{
  "event": "order.paid",
  "order_id": "ord_m9z8x4a1",
  "status": "paid",
  "amount": 250.00,
  "payable_amount": 250.00,
  "payment_provider": "fampay",
  "utr": "412389102938",
  "paid_at": "2026-10-19T07:18:42.000Z"
}