Commission
UPI Payment Gateway
for Indian Businesses
Collect instant payments with no redirect checkout and flat pricing.
Choose How You Want to Accept Payments
Payment Link
Generate a one-time payment link in seconds and share via SMS, email, or chat—no website or integration needed.
Payment Link
Generate a one-time payment link in seconds and share via SMS, email, or chat—no website or integration needed.
Wizard
Embed a seamless checkout experience directly into your site or app.
Wizard
Embed a seamless checkout experience directly into your site or app.
Payment Page
Launch a secure, hosted payment page in minutes. Add your details, and start collecting—no developer help required.
Payment Page
Launch a secure, hosted payment page in minutes. Add your details, and start collecting—no developer help required.
Payment Page+
Host your payment page on your own custom domain and fully apply your brand’s look and feel for a seamless, on-brand checkout experience.
Payment Page+
Host your payment page on your own custom domain and fully apply your brand’s look and feel for a seamless, on-brand checkout experience.
How it Works?
Sign Up & KYC
Create your SMEPay account and verify your business details—done in under a minute.
Generate Payment Link
Instantly create a link or page—no code, no integration needed.
Share & Collect
Send your link via WhatsApp, email, or embed it—and get paid via UPI with real-time alerts and instant settlements.
Why do SMEs love SMEpay?
Designed around the needs of freelancers, merchants, and small businesses.
Built on Trust
Trusted by 1,200+ Businesses Across India
From solo freelancers to growing SMEs, thousands of merchants rely on SMEPay for transparent, hassle-free UPI collections.
SMEPay's zero-commission model and instant settlements have been a game changer for my design studio.
Neha Kulkarni
Freelance UI/UX Designer
Setting up a branded payment page took me under two minutes. My customers love the seamless checkout.
Rahul Sharma
Owner, Urban Bakes
Accept UPI Payments for Every Business Type in India
From freelancers to D2C brands, collect UPI payments via QR, links, or API — with zero commission and no redirect checkout.
Freelancers
Problem: Chasing clients for invoice payments.
Solution: Send automated payment links for instant settlement.
Instagram Sellers
Problem: High drop-offs sharing manual bank details in DMs.
Solution: Share dynamic QR codes directly in Instagram chat.
WhatsApp Businesses
Problem: Breaking the conversation flow to collect money.
Solution: Integrated no-redirect checkout within WhatsApp.
D2C Brands
Problem: Losing 2% margins to traditional payment gateways.
Solution: 0% MDR on all UPI API checkouts.
Small Businesses
Problem: Delayed settlements affecting daily cash flow.
Solution: Instant, same-day UPI settlements with flat pricing.
Service Businesses
Problem: Collecting payments against manual invoices without a website.
Solution: Generate and attach UPI payment links directly to your invoices.
How SMEPay Works
Accept UPI via QR codes
Generate dynamic, amount-specific QR codes to collect payments instantly in-store or online.
Send payment links instantly
Create and share secure payment URLs via SMS, email, or WhatsApp with no technical setup required.
API-based checkout integration
Embed native payment collection directly into your app or website using our developer-friendly APIs.
No redirect payment flow
Keep customers on your platform. Payments open the UPI app directly without bouncing users through external web pages.
Flat pricing
Stop paying percentage-based fees. SMEPay charges a predictable, flat transaction fee regardless of the payment size.
Why not traditional payment gateways?
Legacy platforms like Razorpay, Cashfree, and Paytm are built primarily for credit cards, which is why they charge high percentage fees. SMEPay is built strictly for UPI, eliminating the bloat.
Traditional Gateways
- 2% to 3% MDRYou lose a percentage of every single sale to processing fees.
- Redirect CheckoutCustomers are bounced to an external browser page to complete payment.
- Higher Drop-offsFriction during the redirect causes significant cart abandonment.
SMEPay Gateway
- 0% MDR (Zero Commission)Pay only a tiny flat fee. Keep 100% of your product margins.
- No Redirect CheckoutNative intent flow opens the user's UPI app (GPay/PhonePe) directly.
- Better Conversion RatesRemoving the browser redirect step increases successful payments by up to 30%.
Frequently Asked Questions
Yes, SMEPay operates on a strict zero commission model. Unlike traditional payment gateways that charge a 2% Merchant Discount Rate (MDR) on every transaction, SMEPay only charges a small flat fee per transaction regardless of the payment amount.
Explore more
UPI Payment Gateway India
Learn how our API drives pure UPI intent checkout flows.
UPI for Freelancers
Automate invoice collections with shareable payment links.
Best Razorpay Alternative
Compare our zero commission model against 2% MDR gateways.
UPI Payment Links Generator
Create secure, amount-specific URLs for WhatsApp and SMS.
Flat Transaction Pricing
View our transparent, zero commission pricing model.
Developer API Documentation
Integrate our UPI checkout flow into your custom stack.
Ready to ditch per-transaction commissions?
Generate your first payment link. Keep every rupee you earn; only a flat fee applies.