Payments Should Be a Service,Not a Cut of Your Revenue.
Empower your business with UPI-first payment infrastructure, transparent flat platform fees, and easy integration.
Choose How You Want to Accept Payments
Payment Links
Create and share secure payment links instantly via WhatsApp, SMS, or email. Get paid faster without writing a single line of code.
Payment Links
Create and share secure payment links instantly via WhatsApp, SMS, or email. Get paid faster without writing a single line of code.
Payment Pages
Launch fully customizable, hosted payment pages in minutes. Perfect for events, donations, or recurring services with built-in checkout flows.
Payment Pages
Launch fully customizable, hosted payment pages in minutes. Perfect for events, donations, or recurring services with built-in checkout flows.
Product Links
Sell individual products easily by generating a dedicated product link with inventory management and variant support built-in.
Product Links
Sell individual products easily by generating a dedicated product link with inventory management and variant support built-in.
Mini Stores
Launch your entire catalog online instantly. A fully-functional digital storefront that handles everything from product discovery to checkout.
Mini Stores
Launch your entire catalog online instantly. A fully-functional digital storefront that handles everything from product discovery to checkout.
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 10,000+ Businesses Across India
From solo freelancers to growing SMEs, thousands of merchants rely on SMEPay for transparent, hassle-free UPI collections.
SMEPay's affordable flat pricing 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 flat platform fees, Govt MDR, 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: Flat platform fee + Govt 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.
Frequently Asked Questions
SMEPay provides an easy, affordable, and dedicated UPI payment solution. Instead of high percentage commissions on legacy payment gateways, SMEPay charges an affordable flat platform fee per transaction along with standard Govt MDR.
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 Traditional Alternative
Compare our flat platform fee + Govt MDR model against 2% legacy MDR gateways.
UPI Payment Links Generator
Create secure, amount-specific URLs for WhatsApp and SMS.
Flat Transaction Pricing
View our transparent flat platform fee + Govt MDR pricing model.
Developer API Documentation
Integrate our UPI checkout flow into your custom stack.
Ready to upgrade to a dedicated UPI payment gateway?
Generate your first payment link in minutes. Enjoy easy, dedicated UPI checkout with affordable flat platform fees & Govt MDR.