Paylio 🚀

The 100% Free, Open-Source Fee Collection & Member Management SaaS

💡 Why Paylio?

Tired of paying 2-3% platform transaction fees to external payment gateways? Paylio is designed for independent organizations—schools, dance academies, coaching centers, and specialized clubs—that prefer to collect fees directly via Cash or Zero-Fee UPI Bank Transfers.

Paylio provides a beautiful, self-hostable control panel to track physical and direct-to-bank payments, entirely cutting out the middleman.

✨ Core Features

• 💸 Zero-Fee Collection Engine: Track physical cash and direct UPI transfers without losing a percentage to Stripe or Razorpay.
• 📱 Multi-Channel Reminders: Blast beautiful, personalized payment reminders natively via WhatsApp, SMS, and Email. Includes full support for Indian regional languages (Hindi templates included).
• 📸 Dynamic UPI QR Codes: Auto-generates standard upi://pay deep links and scannable QR codes based on individual member dues.
• 📄 Professional PDF Receipts: On-the-fly, automated premium A4 PDF invoice generator via PDFKit.
• 👥 Advanced Group Filtering: Instantly visualizes who has paid and who is pending in real-time.
• 🏢 Multi-tenant Architecture: Completely isolated organizationId workspaces for scaling as a multi-user SaaS.
• 🔒 Enterprise Security: Built with strict rate limiting, Helmet HTTP headers, NoSQL Injection protection, and Webhook HMAC SHA256 signing.

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🏗 Architecture & Stack

Paylio operates on an ultra-modern, fully-typed Turborepo monorepo:

• Frontend (apps/web): Next.js 14 App Router, React, Tailwind CSS, Shadcn UI, TanStack Query.
• Backend (apps/server): Express.js, TypeScript, Mongoose, Zod Validation, PDFKit.
• Shared Packages (packages/*): Centralized MongoDB schemas and universal TypeScript types mapped across the entire repository.

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🚀 Quick Start Guide

Prerequisites

• Node.js (v20+)
• MongoDB (Local or Atlas Cloud)

1. Clone & Install

git clone https://github.com/Gitnaseem745/paylio.git
cd paylio
npm install

2. Environment Configuration

Navigate to the backend directory and set up your private keys:

cd apps/server
cp .env.example .env

Inside your apps/server/.env, you must configure the following to enable all features:

• MONGO_URI: Your MongoDB connection string.
• JWT_ACCESS_SECRET & JWT_REFRESH_SECRET: Secure random strings for authentication tokens.
• RESEND_API: Get a free key from Resend to enable Email dispatches and QR Code generation.
• WHATSAPP_TOKEN & WHATSAPP_API: Hook directly into the Meta Graph API for free WhatsApp text reminders.

3. Start the Platform

Boot everything up concurrently via Turborepo:

# From the root /paylio directory
npm run dev

• Web Dashboard: http://localhost:3000
• API Server: http://localhost:5000

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📚 API Integration

Developers can interact with the secure REST backend directly. Currently, explore the fully typed Express routes available under /api/v1/ (e.g., /api/v1/payments, /api/v1/reminders, /api/v1/webhooks). Swagger/OpenAPI documentation is planned for the next major release.

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🤝 Contributing

We love community contributions! Whether it's adding external plugin architectures, translating WhatsApp templates, or creating the new Super-Admin panel—please see our Contributing Guidelines to get started. Also, review our Code of Conduct.

📄 License

This open-source effort is licensed under the MIT License.