Create an India payment link in INR via Razorpay Payment Links, a major Indian payment gateway. Buyer pays with UPI (Google Pay / PhonePe / Paytm / any UPI app), credit/debit card, netbanking, or wallet — whatever is enabled on the merchant account. Returns a hosted payment page URL (rzp.io short link) the buyer opens to pay — payment completes automatically, no confirm step. Amounts are in INR rupees (decimals allowed, e.g. 499.50). Bring your own Razorpay key pair via headers x-razorpay-key-id AND x-razorpay-key-secret (free test keys from dashboard.razorpay.com; rzp_test_ keys never move real money). Money always flows buyer→Razorpay→merchant; this service never touches funds.