Payflow - Smart UPI Assistant

Join the thriving network of merchants and daily users who trust PayFlow for efficient and easy UPI transactions. Designed in compliance with NPCI regulations, PayFlow is your go-to tool for optimizing UPI payments and eliminating unnecessary fees.

With PayFlow, larger payments over INR 2,000 get seamlessly split into smaller, surcharge-free transactions, helping you save money in a legal and straightforward manner. Forget about the hefty 0.4% MDR charges and manage your finances smarter.

### Why Choose PayFlow?

1. **Intelligent Payment Splitting**

- Instantly break down payments exceeding INR 2,000 into smaller chunks (e.g., INR 5,000 becomes INR 1,999 + INR 1,999 + INR 1,002).

- Save on every transaction effortlessly; lower fees mean higher profits for merchants.

- Connect seamlessly with your preferred UPI apps like Google Pay, PhonePe, Paytm, and BHIM.

2. **Quick QR Code Payments**

- Effortlessly pay using QR codes in your favorite stores.

- Universal scanning capabilities for all merchant QR codes.

- Store frequently used QR codes for quick access during repeat purchases.

3. **Robust Security & Privacy**

- Your data stays secure; no cloud storage means zero tracking.

- Transactions utilize your UPI app’s security measures, keeping your PIN and bank info safe.

- On-device storage ensures your transaction data stays private and accessible only to you.

4. **Instant Receipts & Payment Control**

- Generate PDF receipts automatically for every transaction.

- Conveniently manage your payment history, filtering by date, merchant, or amount.

- Share your transaction summaries professionally via WhatsApp or email.

5. **Fast, Simple Money Transfers**

- Enjoy money transfers that are just a tap away with BHIM UPI.

- Supported by all major Indian banks, making it versatile for any user.

- Add an extra layer of protection with device-specific security features, such as biometrics.

### Who Can Benefit?

- **Merchants & Small Businesses**: Keep your earnings intact by avoiding excessive transaction charges.

- **UPI Users**: Conduct swift and secure transactions without worrying about fees.

- **Freelancers**: Take advantage of professional invoicing features for your daily business operations.

### About PayFlow

PayFlow is an independent fintech tool aimed at enhancing the convenience of UPI payments while maintaining transparency and cost savings for users across India. We operate exclusively through recognized Android intents and do not function as a payment aggregator or financial lender.

Experience the smarter way to handle your UPI transactions with PayFlow. Transform the way you manage your payments today!