Unified payments app for fast business and personal payments. It lets you handle shopping, subscriptions and invoices with business and also your friends using a unique Unipay ID


We wanted to build an application that will consolidate all types of payments - like personal, business, subscriptions, charity etc in a single location. Using Rapyd Unipay ID made these payments realtime and instant. Also wanted a easy way to keep track of transactions

What it does

This is a single place to handle all types of payments we handle in everyday life. The entire app is based on Rapyd embedded checkout toolkit

  1. Send/Receive money to/from friends and family
  2. Send invoices and request payments from business (for freelancers)
  3. Scan and pay using QR codes
  4. Manage all subscriptions and recurring payments
  5. Create new contacts using just their Unipay ID
  6. Manage business payments
  7. Search , explore and donate to charities easily
  8. It also calculates exchange rate using various APIs
  9. This app generates Unipay ID using eg: demo@unipay
  10. User profile picture fetched using gravatar 11.Uni pay works on both mobile and web browsers. Mobile compatibility ensures easy QR scanning

This application is full authenticated. New users can sign up and existing users can login and perform all transactions.

How We built it

Insta Pay application is built using Ruby on Rails and is hosted on heroku Rapyd checkout toolkit is used for payments

Tech Stack

  • AWS EC2
  • Heroku
  • Node.js
  • Ruby on Rails
  • QR code scanner / generator


Demo credentials

Live working version of the app can be accessed here at https://unipay-demo.herokuapp.com/ Please use the following credentials email: demo@demo.com password: password

Challenges faced

Understanding Unipay checkout creation in sandbox was tough initially. But we later got comfortable with it, and wrote our own Ruby API client for Rapyd as well.

Achievements I'm proud of

We have added the option to search and donate to charities. This solves the problem of discovery and micro-donations and can help charity organisations

What's next for Unipay

We want to enable ecommerce features for businesses so we can directly shop from within the Unipay app.

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