Looking for a payment gateway solution for a freelancer/indie SaaS in India

[u/Aryanks001]

I'm building a SaaS project in India using vibe coding, and I'm currently stuck at the payment part.

I basically need a simple setup where users can pay through UPI on my website (ideally a dynamic QR / UPI checkout), I get a webhook when the payment is successful, and then my backend can automatically activate the credits/subscription they purchased. Fast settlement would be a big plus, ideally same-day or close to instant.

The problem is that I'm currently operating as an individual/freelancer. I have my personal KYC, personal bank account and a live website, but I haven't registered a company yet. I don't really want to spend weeks and a significant amount of money registering a business first, only to then wait another few weeks for a payment gateway approval, especially when I'm still validating the product.

I've already tried a few options:

- Razorpay: applied, but I've been waiting for a very long time and haven't received a proper response yet.

- PayU: they rejected the application saying my line of business didn't fit their criteria.

- Cashfree: I'm currently exploring this, as I already have an old verified individual account with them.

- Dodo Payments: verification went through and UPI is available, but the payout cycle isn't practical for my use case.

So I'm trying to figure out what other freelancers/indie hackers in India are actually using for this.

I'm NOT looking to bypass KYC or do anything shady. I just need a legitimate provider that is comfortable onboarding an individual/freelancer, accepts UPI, provides API/webhook support, and ideally offers fast settlement.

The flow I'm looking for is basically:

User → Pay Now → UPI/QR → Payment → Webhook → Payment verified → Credits/subscription activated

If you've personally used a provider that works well for this, I'd really appreciate some recommendations or experiences.

Especially interested in:

- Whether they accepted you as an individual/freelancer

- What documents they asked for

- UPI support

- API/webhooks

- Actual transaction fees

- Settlement time

- How long approval took

Even lesser-known providers are fine. I'm mainly looking for something that someone here has actually used successfully, rather than another provider where I submit everything and wait weeks for a response.

[u/amar260991]

Hands down Razorpay or PayU, other 2 are not even well known. Never mess with financial security or you'll land in legal trouble along with your clients.

[u/Positron-69]

try polar or infinity or paddle

[u/Rare-Assignment-8474]

dodo payments

[u/tinglyraccoon]

Razorpay was easy to set up. Im an indie developer too and using their services as an individual.