TRexPayTRexPayJoin waitlist
For India's small online merchants

The payment gateway that sits on your side

TRexPay reads the settlement file your gateway sends you and shows exactly what you were overcharged — with the evidence to claim it back. It works on the gateway you already use.

  • Read-only access
  • No switching required
  • Built for India's DPDP rules
Sample X-ray · what you'll see

Every rupee accounted for. Before and after every transaction.

A settlement file has thousands of rows. Your gateway shows you one number at the end. We show you every rupee in between.

Auto Recover

Rescued
  • 01 Sep

    First attempt

    −₹1,499

  • 05 Sep

    Retry · learned payday

    ₹1,499

  • 01 Oct

    Next cycle · re-timed

    ₹1,499

Fee X-Ray · sample · Aug 2026

Gross collected₹4,82,000.00
Platform fee — UPI−₹4,338.00
Wrong rate on 180 UPI charges−₹1,650.00
Dispute fees (2 × ₹750)−₹1,500.00
GST 18% on fees−₹1,347.84

You received

₹4,73,164.16

Recoverable

₹1,947.00

Annualised: ₹23,364 across 12 months

Illustrative example. Not a real merchant.

AI reads, predicts and explains. Plain code counts the money.

Four solutions, honest ship order

Every big gateway earns from the same four gaps.
We're the only one built without them.

The question every investor asks

“Why doesn't Razorpay just build this?”

Because unclear fees, holding your money and freezing your funds are how they earn. Every one of our four modules cuts into one of their own income lines.

We have no old income to protect — so we can fix all four.

Who it's for

Too big to ignore the fees.
Too small to have anyone checking them.

Indian online businesses collecting ₹3 lakh to ₹50 lakh a month from repeat customers. Run by founders who are also the finance department.

Before you send us a file

What we can and cannot do with your data.

Waitlist

Get in before the first 100.

Both MVP products run on top of the gateway you already use — nothing about your checkout changes.

  1. 01

    You submit

    ~60 seconds. Just how to reach you and what you sell — no gateway keys yet.

  2. 02

    We reply within a week

    A note back with your cohort slot and roughly when access opens. Slow on purpose.

  3. 03

    First Leak Report within 48 hours

    When your cohort opens, send us one settlement file. We check it against your rates and come back with a Leak Report.

By submitting, you agree to be contacted about TRexPay. We don't share your details with third parties.

Frequently asked

Straight answers.

Why should I share my financial data with you?+

A settlement report is a fee record, not a bank statement — no card numbers, no account details. Delete the customer columns before you send it. We are reading a file you email us: there is no access to your account and no way for us to move anything.

Do I have to change my payment gateway?+

No. Fee X-Ray works on the gateway you already use. Nothing changes on your side.

What does it cost?+

The first report is free. After that we take 20% of what we actually recover for you, plus ₹999 a month for the dashboard. If we find nothing, you pay nothing.

What if you find nothing?+

We tell you that. It is a useful answer for both of us, and it is the answer we expect for some merchants.

Are you an RBI-licensed payment aggregator?+

Not yet. Today we are a tool that reads settlement data. We are building towards our own licence, and will launch payment services on a licensed partner's rails first.

Who's behind this

A person, not a support desk.

Ashish Moluguri

Founder

B.Tech in Computer Science (AI & ML). Building TRexPay as sole engineer, from Telangana.

TRexPay Technologies Private Limited · Incorporated November 2025