Own UPI Payment Router.

What you'd own.

Every artifact below transfers to your accounts on day one. The whole engine.

• ●UPI routing engine codebase with PSP integration templates
• ●Customer list of 50-100 Indian D2C and e-commerce contacts
• ●Cold outreach playbook with email templates and messaging
• ●Financial model projecting Year 1 ARR and unit economics
• ●Landing page and product positioning framework
• ●Founder research on merchant pain points and GTM strategy
• ●Twelve months of customer success and onboarding support

What Roll Digital builds for you.

Custom scope to take UPI Payment Router from MVP shell to operating business.

• ▸Production FastAPI backend with Postgres, Redis caching, and monitoring
• ▸Integration layer for Razorpay, Cashfree, and Juspay routing APIs
• ▸Merchant dashboard with real-time routing analytics and failure logs
• ▸Stripe billing system supporting three subscription pricing tiers
• ▸API documentation and authentication with email and SSO
• ▸Automated failure detection and intelligent routing optimization logic

Why this could work.

The TAM is real: 18k merchants spend $1,200/year on payment optimization. Your GTM is proven by comparable SaaS plays targeting Indian CTOs via cold outreach. Smart routing saves merchants 2-3% of transaction volume, translating to thousands for mid-market players. If you land 60 customers at $150/month in Year 1, you clear your $38k investment. The playbook is straightforward and repeatable once you close your first reference customer.

What you'd risk.

NPCI controls UPI routing and rewrites rules unpredictably, potentially breaking your logic overnight. Razorpay, Cashfree, and Juspay already bundle smart routing free to retain merchants, commoditizing your value prop. Indian B2B buyers resist $150-200/month when incumbents offer adequate routing for free, extending sales cycles to 90+ days. Without an India-based co-founder or rep, cold outreach converts at half typical rates, making unit economics unsustainable at scale.

Who this fits.

This fits a solo SaaS founder or small agency with existing Indian merchant relationships or expertise. You need sales credibility in the Indian B2B payment space, either through prior wins or a co-founder with local trust. If you have a contact list of CTOs at mid-market Indian e-commerce firms, this is tractable. Without local relationships or payment experience, you'll struggle to convert cold outreach and burn through capital quickly.

Timeline.

From contract signing to operating business.

1. Day 1
   Receive codebase, customer list, playbook, and financial model transfer
2. Week 1
   Deploy staging environment with PSP integrations and compliance audit
3. Week 3
   Launch production infrastructure and begin first merchant pilot
4. Week 6
   Complete first merchant onboarding with live routing active
5. Day 90
   Reach 6-12 paying merchants, validate unit economics and retention

Pricing.

Three ways in, depending on how much you want to build yourself.