How to Use ToroPay: A Complete Step-by-Step Guide

What is ToroPay?

ToroPay is a free UPI payment platform built for Indian businesses, freelancers, and creators. It lets you accept payments through custom payment links, a professional storefront page, and QR codes — all with zero transaction fees.

No merchant account. No gateway charges. No hidden costs. Just sign up and start accepting payments.

Step 1: Create Your Free Account

1. Go to toropay.co.in/signup
2. Enter your email address and create a password
3. Verify your email (check your inbox for the verification link)
4. Log in to your dashboard

The entire process takes less than 2 minutes. No phone number or KYC required to get started.

Step 2: Add Your UPI ID

Before you can accept payments, you need to connect your UPI ID so ToroPay knows where to route funds.

1. Go to Dashboard → UPI
2. Click "Add UPI ID"
3. Enter your VPA (e.g. yourname@upi, yourname@oksbi)
4. Click "Verify" — ToroPay will send a ₹1 verification to confirm the ID is valid
5. Once verified, your UPI ID is ready to use

You can add multiple UPI IDs (from different banks) and set one as your primary receiving account.

Step 3: Create a Payment Link

Payment links are the fastest way to start collecting money. Share them via WhatsApp, email, SMS, or Instagram DMs.

1. Go to Dashboard → Links → Create New
2. Enter a title (e.g. "Order #123 — T-shirt")
3. Set the amount (or leave it open for the customer to enter)
4. Add optional products with descriptions and prices
5. Add a customer note (optional) — e.g. "Thank you for your order!"
6. Click "Create Link"

Copy the generated URL and share it with your customer. When they pay, you'll see the transaction in your dashboard instantly.

Step 4: Build Your Storefront

Your storefront is a public page that shows all your payment links in one place — like a mini website for your business.

1. Go to Dashboard → Branding
2. Upload your business logo
3. Add a tagline (e.g. "Handmade jewellery from Mumbai")
4. Choose your theme colours
5. Add your business description and social links

Your storefront URL is toropay.co.in/pay/your-store — share it anywhere and let customers browse and pay at their own pace.

Step 5: Generate QR Codes

QR codes are perfect for in-person payments — display them at your shop, on packaging, or on invoices.

1. Go to Dashboard → Links → [your link] → QR Code
2. Download the QR code as PNG
3. Print it, display it, or attach it to invoices

When a customer scans the code, they're taken directly to your payment page.

Step 6: Track Your Payments

The ToroPay dashboard shows everything in real time:

• Transactions — View all incoming payments with status (completed, pending, failed)
• Analytics — See total revenue, orders over time, payment method breakdown, and top-performing links
• Order Details — Click any transaction to see full details including what the customer ordered

No more chasing payments or losing track of who paid. Everything is in one place.

Step 7: Share Your Links

ToroPay makes sharing easy with built-in buttons:

• WhatsApp — One-click share to any WhatsApp contact or group
• X (Twitter) — Tweet your payment link
• LinkedIn — Share professionally
• Copy Link — Paste anywhere — email, SMS, Instagram, Telegram

You can also share your storefront link on your social media bios, business cards, or email signatures.

Frequently Asked Questions

Is ToroPay really free?

Yes. There are zero transaction fees, zero setup fees, and zero monthly charges. ToroPay is free forever.

How do I receive the money?

Payments go directly from your customer's UPI app to your UPI ID. ToroPay never holds your money — it goes straight to your bank account via UPI.

Can I use ToroPay for my online store?

Absolutely. Create payment links for each product or service, add them to your storefront page, and share the link on social media or your website.

Do I need a business registration?

No. ToroPay works for anyone — freelancers, solopreneurs, students, content creators, and registered businesses alike.

Get Started Now

Setting up ToroPay takes less than 5 minutes. No contracts, no fees, no hassle.

Create your free ToroPay account →