u/LastNothing2610

Hey everyone,

I’m planning to build a payment gateway solution for businesse Website with either zero transaction fees or extremely minimal fees, especially for businesses handling more than ₹5 lakhs in daily transactions.

I wanted to know:

• Are there any APIs, banking partnerships, white-label platforms, or fintech tools that already support this kind of model?
• Which providers offer the lowest MDR/transaction costs for high-volume businesses?
• Is it better to integrate directly with banks or use existing payment infrastructure providers?
• Any suggestions regarding UPI, settlements, compliance, RBI regulations, or scalability?

Would love to hear from founders, fintech developers, or anyone who has worked on payment infrastructure in India.

Thanks!