Pay From Anywhere. Even Without Your Phone.
Away from the counter? Pay scanless.
Near PayOne Soundbox? Shake or tap your phone.
No phone with you? Just raise your palm.
Wherever you stand,
there's a way to pay.
QR codes only work when you're close enough to scan them and have a working phone in hand. YoPay.one covers every other moment, from across the shop to the counter to the day you leave your phone at home.
Where are you right now?
Pick one to see how you'd pay.
Scanless QR
Payment
The shop's payment QR reaches your phone without the camera. Open YoPay.one and the verified shops around you appear. Pick the right one and pay, with no queue at the QR stand and no sticker to tamper with.
- Open YoPay.one. Nearby merchants appear with their verified names.
- Pick the shop. If the counter has raised a bill, the amount is already filled in.
- Confirm with your UPI PIN. The Soundbox announces it to the shopkeeper.
Shake & Tap
to Pay
Hold your phone to the Soundbox, or give it a quick shake within reach. The shop and the amount pop up on your screen together, so there's nothing to scan and nothing to type.
- Shopkeeper keys in the amount on the Soundbox or billing app.
- Tap or shake your phone. Tap uses NFC; shake works on phones without NFC.
- Approve and go. The Soundbox says "Payment received" out loud.
Palm Scan
Payment
Enrol your palm once and link it to your bank account. After that, hold your hand over the Soundbox and you're done. No phone, card, wallet or QR. Your palm-vein pattern is unique to you and invisible to the naked eye.
- Enrol once at a partner bank branch or a YoPay.one merchant, with your consent.
- Hold your palm over the Soundbox. It reads the vein pattern under your skin, not a photo.
- Paid. Larger amounts ask for a PIN, and every payment sends you an SMS.
Bill. Choose. Paid.
Every payment follows the same four steps, whichever method the customer picks. Money always moves over UPI, straight from bank account to bank account.
Bill raised
The shopkeeper enters the amount on the YoPay.one Soundbox or billing app.
Customer chooses
Scanless from afar, Shake & Tap at the counter, or Palm Scan without a phone.
Verified
UPI PIN on the customer's own phone, or a live palm-vein match on the Soundbox.
Announced
The Soundbox says the payment out loud and the customer gets an instant alert.
One device at the counter.
All three methods.
Merchants already trust a soundbox to announce payments. Ours does that and accepts every way a customer might want to pay.
Palm reader
Contactless palm-vein sensor on top, with liveness detection.
Tap zone & shake handshake
NFC for phone taps, and short-range Bluetooth for shake-to-pay.
Scanless broadcast
Shares the shop's verified payment identity with phones nearby.
Voice confirmation
Announces every payment in the shopkeeper's language. A standard UPI QR keeps working too.
Built for everyone
at the counter, and behind it.
Early access is open to consumers, merchants and banks. Pick yours and choose which payment methods you want to try first.
Pay the way the moment needs.
- Pay from across the shop without hunting for the QR
- Tap or shake at the counter instead of scanning
- Pay with your palm when your phone isn't with you
- Money moves from your own bank account over UPI
Never lose a sale to a missing phone.
- Faster checkout in rush hours, fewer abandoned payments
- No printed QR to fade, tear or be swapped by fraudsters
- Take payments from customers who came without a phone
- One Soundbox that announces every payment, any method
New acceptance, on rails you already run.
- Offer palm-linked accounts as a differentiated product
- Acquire merchants with a Soundbox that does more
- Reach customers who pay in person without a phone
- Settlement and reconciliation over existing UPI flows
Paying in a shop still needs a camera.
We're removing it.
UPI made payments free and instant. Accepting them still depends on the customer having a phone, a working camera and a clear view of a QR code. YoPay.one closes those gaps with one device and three methods on the same UPI rails.
A habit to build on
India already pays in person with UPI billions of times a month, and merchants already rely on soundboxes. We upgrade a device they understand instead of asking them to learn a new one.
Why nowCoverage for every situation
Each method solves a different failure of QR payments. Together they mean the customer can always pay, which is the promise a merchant actually cares about.
Why usHardware plus network
Every Soundbox placed adds a merchant who accepts palm payments, and every enrolled palm makes each Soundbox more useful. That loop is hard to copy piece by piece.
MoatHow YoPay.one earns
- Soundbox plansMonthly device and service subscription paid by merchants.
- Bank partnershipsProgramme and enrolment fees from issuing and acquiring partners.
- Merchant servicesAnalytics, loyalty and working-capital offers delivered with partners.
Where we're headed
- Early accessBuilding the waitlist across consumers, merchants and banks.
- Merchant pilotScanless QR and Shake & Tap in a first cluster of neighbourhood stores.
- Palm Scan launchPalm enrolment and payments with a partner bank, under applicable RBI and NPCI frameworks.
- ScaleCity-by-city rollout through acquiring partners and retail chains.
Let's build this together.
We're speaking with investors, and with partners who can help us reach merchants and customers faster. Request the investor brief or start a partnership conversation.
Request the Investor BriefSafe at every distance.
Your palm is never stored as a picture.
Palm enrolment is opt-in and designed around India's DPDP Act, 2023. The reader turns your palm-vein pattern into an encrypted template that can't be turned back into an image, and you can delete it any time.
Liveness check
Reads veins under the skin of a live hand. Photos and prints don't work.
Verified merchants
You see the shop's verified name before you pay, so a swapped QR can't misdirect money.
Your PIN, your phone
Phone payments use your UPI PIN. Palm asks for a PIN above a limit you set.
Consent first
Nothing is enrolled without your explicit consent.
Right to erase
Delete your palm template from the app or a branch.
Instant alerts
Every payment, by any method, triggers an SMS and app alert.
Good questions, straight answers.
Do I need a new bank account?
No. YoPay.one links to the bank account you already use for UPI. Money goes directly from your account to the merchant's.
How does Scanless QR know which shop I'm at?
The YoPay.one Soundbox shares the shop's verified payment identity with phones nearby. Your app lists those shops by distance, so you pick the right one without scanning anything.
My phone doesn't have NFC. Can I still use Shake & Tap?
Yes. Shake uses short-range Bluetooth, which nearly every smartphone has. NFC tap is an extra option on phones that support it.
What if someone tries to use my palm?
Palm Scan reads the vein pattern beneath the skin of a live hand, which is unique to you. Larger payments also ask for your PIN, and you're alerted for every payment.
Can customers still pay with other UPI apps?
Yes. The Soundbox keeps a standard UPI QR, so any customer with any UPI app can still pay.
When is YoPay.one launching?
We're starting with a merchant pilot and opening access in stages. Join early access and we'll let you know when it reaches you.
Be first to pay
all three ways.
Sign up as a consumer, merchant, bank or investor. Tell us which payment methods you want first and we'll bring you in as each one goes live.
You're on the list!
Watch your inbox for your early access confirmation.