KoPayments

What KoPayments does

KoPayments Private Limited, doing business as Kopay, is an India-based private limited fintech company headquartered in Pune, Maharashtra, founded in 2017. It operates an omni-channel payment gateway that enables Indian merchants and internet businesses to accept payments online through a wide surface spanning websites, mobile apps, SMS, email, WhatsApp, and Facebook. The platform supports the major Indian payment instruments: credit cards, debit cards, netbanking, wallets, and UPI, with claims of PCI DSS compliance, 128-bit encryption, and adherence to RBI regulations. International acceptance is supported through multi-currency processing for up to 10 currencies.

The product portfolio is structured around the core Kopay payment gateway and a set of modular add-ons: Customised Invoices, Payment Links, Payment Buttons (integrable with two lines of code), Split Pay, Quick Pay via QR, and direct UPI acceptance through apps such as PhonePe, BHIM, and WhatsApp. A subscription and recurring billing product called Kopay.me is offered via API. The company positions itself as developer-first, emphasizing a simple REST API, webhooks, and self-serve onboarding, alongside a direct sales motion for enterprise and partnership inquiries.

KoPayments monetizes exclusively through transaction-based take rates: 1.99% plus INR 1 per transaction for domestic cards, netbanking, and UPI; 2.25% plus INR 1 for wallet payments; custom pricing for international card acceptance; and 4.99% plus INR 1 for digital product and file transactions. A zero-fee promotional offer waives setup and transaction fees for the first three months for new merchants. Its go-to-market is primarily product-led growth through self-serve signup, supplemented by digital marketing, developer relations, and a small direct sales overlay. Source materials disclose no external institutional funding, no named customers, and 11-50 employees, indicating a founder-owned, early-stage operating profile.

Name

KoPayments

Legal name

KoPayments Private Limited

Website

https://kopayments.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Short description

KoPayments (operating as Kopay) is an India-based fintech providing an omni-channel payment gateway for online merchants. Its platform supports cards, netbanking, wallets, and UPI across web, mobile, SMS, email, WhatsApp, and social channels.

Ownership category

akta.pro rank

Product category

Online Payment Gateway

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Finance Services (6199)

akta.pro primary industry

Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)

akta.pro secondary industry

Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)

Keywords

• Online payment gateway
• Merchant payment processing
• UPI payment acceptance
• Omni-channel payments
• Developer payment API

Headquarters

HQ city

Pune

HQ country

India

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Transaction Fees - Domestic Cards: Charges per transaction for debit card, credit card, and netbanking payments. Transaction fees are percentage-based plus fixed fee per transaction.
2. Transaction Fees - UPI: Percentage-based transaction fees plus fixed fee for UPI payment processing.
3. Transaction Fees - Wallets: Higher percentage transaction fees for digital wallet payments.
4. Transaction Fees - International Cards: Custom pricing available on request for international credit card acceptance.
5. Digital Products & Files: Includes file hosting and download payments with percentage-based transaction fees.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels8 records

Core offering

KoPayments operates Kopay, an omni-channel payment gateway that enables Indian merchants and internet businesses to accept online payments via credit cards, debit cards, netbanking, wallets, and UPI across websites, mobile apps, SMS, email, WhatsApp, and Facebook. The platform exposes a developer-first API for integrating payments, invoices, payment links, and recurring subscriptions (Kopay.me), with rapid self-serve onboarding and bank-level security.

Product overview

KoPayments operates as a unified Omni-Channel Payment Gateway platform centered around the Kopay brand. The core offering consists of the Payment Gateway, which serves as the main infrastructure for online payment processing. Supporting this core are add-on modules including Customised Invoices for billing, Payment Links for link-based collection, Payment Buttons for website integration, Split Pay for multi-party payments, Quick Pay for QR-based transactions, and UPI Payments for real-time bank transfers. The platform also includes Kopay.me for subscription management. All components can be accessed through developer APIs and are designed for rapid integration with minimal coding required.

Differentiator

Problem solved

Functional benefit

Products and services

• Kopay (Omni-Channel Payment Gateway) Omni-channel payment gateway platform enabling businesses to accept payments across SMS, Email, WhatsApp, Facebook, Website, and Mobile Apps, supporting Credit Cards, Debit Cards, Netbanking, Wallets, and UPI.
• Payment Gateway Core payment gateway offering for online businesses with easy integration, full online onboarding, and a feature-filled checkout to grow online businesses.
• Customised Invoices Standalone invoicing service that lets merchants create and send customized invoices to clients and receive instant payments.
• Payment Links Shareable payment links distributed via email, SMS, Messenger, WhatsApp, and other channels that enable immediate payment collection from customers without a website.
• Payment Buttons Embeddable payment buttons integrable with just 2 lines of code, designed to collect payments on websites, blogs, and videos.
• Split Pay Tool that divides and accepts payments from multiple parties for use cases such as rent payments, restaurant bills, or cab fares.
• Quick Pay (QR Payments) QR-code based solution for instant payments from customers or friends in any location.
• UPI Payments UPI payment acceptance via apps such as PhonePe, BHIM, and WhatsApp, avoiding cumbersome SMS notifications and VPAs.
• Kopay.me (Subscriptions API) Developer-facing subscription management solution for recurring payments, accessible via API integration as part of the Kopay platform.

Quantifiable outcome

• Onboarding time reduced to minutes with fully online process
• +2 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature8 records

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• CCAvenue: Long-standing Indian payment gateway supporting a wide range of cards, netbanking, wallets, and UPI options for online merchants. Comparable omnichannel breadth and merchant-targeting to KoPayments.
• PayU India: Large payment gateway and processor serving Indian online merchants with cards, netbanking, wallets, and UPI plus lending and checkout products. Directly competes with KoPayments on transaction fees and merchant segments.
• Juspay: India-based payment orchestration and gateway provider serving large merchants with UPI, cards, and netbanking. Comparable developer-first, API-driven model and Indian merchant focus as KoPayments.
• Cashfree Payments: India-based payment gateway and payouts platform offering card, UPI, and netbanking acceptance with developer-friendly APIs. Closely comparable SMB and internet-business focus to KoPayments.
• Razorpay: India's leading payment gateway and aggregator, offering card, UPI, netbanking, and wallet acceptance with developer-first APIs. Most direct and well-funded competitor to KoPayments in the Indian merchant payment gateway space.
• Instamojo: India-focused SMB and individual-seller payment gateway with payment links, simple onboarding, and UPI support. Closely comparable self-serve, long-tail merchant positioning to KoPayments.

Broad incumbents

• Stripe: Global payment gateway serving internet businesses with developer-first APIs, cards, wallets, and multi-currency support. Comparable product-led, developer-centric DNA to KoPayments, though operating at far greater scale and breadth.
• PhonePe Business: PhonePe's merchant payments arm covering UPI, QR, and online checkout across India. Bigger incumbent with overlapping UPI-centric merchant acceptance versus KoPayments.
• BillDesk: Established Indian online payment and bill-collection platform supporting cards, netbanking, and UPI for merchants and enterprises. Adjacent incumbent with overlapping merchant payment acceptance versus KoPayments.
• Paytm Payment Gateway: Broader Paytm business payments suite including payment gateway, QR, and POS for Indian merchants. Larger incumbent offering overlapping capabilities but as part of a much wider consumer and merchant ecosystem.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/kopayments
• Facebookfacebook.com/KOPayments
• Pinterestin.pinterest.com/kopayments
• LinkedInlinkedin.com/company/kopayments

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about KoPayments