Swastik Mishra

Small businesses in India accept UPI payments to their personal UPI IDs because it’s free and instant, but they have no automatic way to tell which customer paid for which order. Their options are checking every bank SMS by hand, trusting screenshots that are easy to fake, or paying an aggregator about 2% per transaction. UPI Payment Verification Gateway solves this at no cost. Each order gets a unique payable amount (₹100 becomes ₹100.37), so the amount itself identifies the order. The customer scans a QR code and pays the merchant directly, so the gateway never holds the money. When the bank’s “credited” SMS arrives, an Android phone forwards it to the gateway in real time. Meta’s Muse Spark reads the message, extracts the amount, UTR and direction, judges whether it looks genuine, and the matching order is marked PAID within seconds. Screenshots are also supported through Muse Spark’s vision model. Built with Java 17, Spring Boot, MySQL and Muse Spark, it includes duplicate-UTR fraud protection, race-safe transactional settlement, 5-minute auto-expiry and a full audit trail of every verification attempt.