सीधा, बैंक में · straight into the bank
Get paid straight into your bank account. No UPI fee. No wrong digits.
One code for your account and one QR for your counter, your invoices and your WhatsApp. Customers pay by IMPS, NEFT or RTGS from the bank app they already have, and the money lands in your own account.
Works with every bank in India. Nothing to install. We never touch your money.
Shree Cement Agency
HDFC Bank · sample
Your code
IN89 HDFC 001234 11 50200012345678
Sample. Yours is made from your IFSC and account number.
NPCI has set a 0.4% charge on every UPI order above ₹2,000. It starts after Diwali.
The date is NPCI's to announce; the rate and the ₹300 cap are already fixed, and the rule says you cannot pass it on. A bank transfer costs you nothing, and above ₹1 lakh it was always the only way. SeedhaPay makes that transfer as easy as scanning.
A dealer taking ₹50 lakh a month in orders above ₹2,000 pays about ₹20,000 a month in UPI fees. On SeedhaPay Pro that is ₹999.
| Order | UPI fee you pay | With SeedhaPay |
|---|---|---|
| ₹2,000 or less | ₹0 | ₹0 |
| ₹10,000 | ₹40 | ₹0 |
| ₹50,000 | ₹200 | ₹0 |
| ₹75,000 and above | ₹300 | ₹0 |
| ₹1,00,000 and above | UPI cannot | ₹0 |
Three steps, once.
After that, every customer and every payment reuses the same code.
Make your code
Type your IFSC, account number and account type. Your code is ready at once, and verification against your bank follows.
Share it anywhere
Print the sticker for the counter, put the QR on invoices, send the link on WhatsApp, or read the code out on the phone. The check digits mean it can't be taken down wrong.
Money lands in your own account
Customers pay by IMPS in minutes or NEFT and RTGS for big amounts. No fee, no middleman holding it, nothing to settle. Pro matches each credit to your invoice.
Why it never bounces
A wrong digit is caught three times before any bank is asked to pay.
NEFT credits on the account number alone. One mistyped digit sends your money back hours later, or to a stranger. A SeedhaPay code can't be mistyped into a valid one.
The code checks itself. Two check digits, the same arithmetic Europe's IBAN uses, fail on any wrong character or swapped pair. A bad code is refused before it reaches a form.
We verify it once. A ₹1 credit returns the name your bank holds. Every pay page shows that name and the date, so a swapped sticker shows a stranger's name.
Their bank checks again. Since April 2025 every bank shows the account holder's name before an NEFT or RTGS goes through. Two names that must agree.
seedhapay.in
Shree Cement Agency
✓ Verified 14 Oct 2026 · HDFC Bank
Pay by IMPS in your bank app
Mobile 98765 43210 · HDFC Bank · nothing else to type
NEFT or RTGS, any amount
For the people who pay you
Nothing to install. Nothing to type wrong.
A customer scans with the camera and gets a page with your name and the fastest way to pay. For amounts up to ₹5 lakh that is IMPS by mobile number: no account number, no IFSC, no beneficiary to add.
For a company's accounts clerk paying forty suppliers from netbanking, the Business plan fills the vendor master in Tally or Busy from the code and produces the bank's own bulk-upload file.
Open the sample pay page →The code is free. Forever. We charge for the work around it.
No fee per payment on any plan. That is the whole point.
Free
₹0
For anyone with a bank account.
Unlimited codes, QRs and links
The pay page your customers see
One verified account
Printable sticker
Pro · for receivers
₹999 a month
For a dealer, distributor or firm that collects.
Every account verified, with your logo on the page
Each credit matched to an invoice from your bank statement
WhatsApp receipts to your customers
Exports for your accountant and GST
A login for your staff
Business · for payers
₹2,999 a month
For a company that pays many suppliers.
Tally, Busy and Zoho plugin: paste a code, the vendor is filled and checked
Bulk beneficiary files for your bank's netbanking
Validation and name-check API
An audit log of every payment file
The open format
The code belongs to nobody. Not even us.
The format is published under Creative Commons and the libraries under Apache 2.0. Any bank, app or accounting package can read and issue Seedha codes without asking us, paying us or naming us. We run one pay page and sell tools around it; the standard is India's.
IN 89 HDFC 001234 11 50200012345678
country · check · bank · branch · type · account
For banks and software makers
Add "Save a Seedha beneficiary" to your app in an afternoon.
One read-only call returns the account, the name we verified and the organisation behind a code. Your app adds the beneficiary and moves the money; we only answer "whose account is this". Libraries in TypeScript and Java validate codes offline against the open test vectors.
GET /api/v1/codes/IN89HDFC0012341150200012345678
{
"ifsc": "HDFC0001234",
"accountNumber": "50200012345678",
"accountTypeLabel": "Current",
"verification": "verified",
"nameAtBank": "SHREE CEMENT AGENCY",
"organisation": { "tradingName": "Shree Cement Agency" }
}Questions dealers ask us
Is SeedhaPay a payment app? Do you hold my money?
No. The money goes from your customer's bank straight to yours over IMPS, NEFT or RTGS. We never touch it, which is also why there is no fee per payment.
What stops someone paying the wrong account?
Three things. The code's check digits reject a mistyped one. Your pay page shows the name your bank holds, which we verified with a ₹1 credit. And since April 2025 your customer's own bank shows the account holder's name before it pays.
My customers like UPI. Will they switch?
For small amounts they don't have to: the pay page offers UPI up to ₹2,000, where it costs you nothing. Above that, they get a page that takes ten seconds and saves you 0.4%.
Do my customers need to install anything?
No. The QR opens in the phone's camera. Paying by IMPS needs only your mobile number and bank name in the app they already use.
What if I change my bank or my IFSC changes?
Make a new code. It takes a minute, and the old sticker stops working the same way an old IFSC does. Your customers who saved you as a beneficiary are not affected.
Who owns the code format?
Nobody. It is published openly so any bank or accounting package can read it without asking us. We run this pay page and sell the tools around it.
Make your code now.
IFSC, account number, account type. Done.