Payflow - UPI Smart Assistant

Official Brain

About this app

PayFlow is India's leading smart UPI payment allocation engine and offline ledger assistant. Designed for merchants, small business owners, and savvy consumers, PayFlow intelligently optimizes large UPI transfers to keep every payment leg legally sub-₹2,000—saving merchants and customers from 0.4%+ MDR tax surcharges under NPCI regulations.

⚡ KEY FEATURES & BENEFITS:

• Smart UPI Auto-Splitter: Enter any payment amount over ₹2,000 (e.g., ₹5,000) and PayFlow automatically structures it into optimal sub-₹2,000 legs (₹1,999 + ₹1,999 + ₹1,002).
• Avoid 0.4% MDR Surcharges: Keep every transaction compliant with NPCI threshold limits, saving thousands of rupees in merchant transaction fees.
• 100% Zero-Cloud Privacy: Your financial transactions, merchant QR codes, and settlement records are stored strictly on your device using encrypted local database storage. No registration or cloud login required!
• Universal UPI App Support: Seamlessly launches your favorite installed UPI apps—Google Pay, PhonePe, Paytm, BHIM, Cred, and bank UPI apps.
• Instant Digital PDF Receipts: Generate clean, shareable settlement receipts for every multi-leg transaction for instant bookkeeping.
• Interactive Ledger History: Search, filter, and track completed and pending settlements offline with real-time status updates.

🛡️ NPCI & RBI COMPLIANT BY DESIGN:
PayFlow never stores UPI PINs, bank account numbers, or performs background billing. Every payment leg requires explicit user authorization via standard Android system intents.

Download PayFlow today and take total control of your UPI payment efficiency!