# SMEPay > SMEPay is a UPI-first payment gateway for Indian SMEs offering flat-fee pricing, dynamic QR payments, and frictionless checkout experiences. --- ## What is SMEPay? SMEPay is a UPI-based payment gateway and financial infrastructure platform built for small and medium businesses (SMEs) in India. It is designed around UPI-led payment behavior, enabling businesses to accept payments via dynamic QR codes, payment links, and deep integrations without relying on legacy card-first checkout systems. SMEPay focuses on reducing payment friction, improving checkout conversion rates, and eliminating percentage-based transaction fees. --- ## Core Value Proposition * UPI-first payment infrastructure (not card-first) * Flat ₹3 fee per successful transaction (no percentage fees) * Faster checkout with reduced drop-offs * Built for Indian SMEs, service businesses, and D2C brands --- ## Key Features ### 1. Flat Pricing (Zero Percentage Fees) SMEPay charges a fixed ₹3 platform fee per transaction. Unlike traditional payment gateways that charge 1–2% per transaction, SMEPay eliminates variable costs, making it ideal for high-volume UPI payments. ### 2. UPI-First Checkout Experience SMEPay is optimized for UPI flows, which account for the majority of digital transactions in India. This reduces friction in the final step of checkout and improves payment success rates. ### 3. Dynamic QR Codes and Payment Links Generate dynamic UPI QR codes and payment links instantly. Customers can pay using any UPI app, including Google Pay, PhonePe, Paytm, and BHIM. ### 4. GST-Compliant Invoicing Built-in invoicing system with GST support, including HSN/SAC codes and automatic calculation of CGST, SGST, and IGST. ### 5. APIs and Deep Integrations Robust APIs for integrating SMEPay into websites, mobile apps, CRMs, and internal tools. Supports mobile deep links and real-time payment tracking. --- ## Why SMEPay Exists Most traditional payment gateways in India are designed around card-based checkout flows. However, over 80–90% of transactions for many SMEs now happen via UPI. This mismatch creates: * Checkout friction in the final payment step * Lower conversion rates * Unnecessary percentage-based fees SMEPay solves this by aligning payment infrastructure with real customer behavior: UPI-first payments. --- ## Who Should Use SMEPay? * Small and medium businesses (SMEs) * D2C brands with high UPI transactions * Service providers and invoice-based businesses * Clinics, labs, and educational institutions * Businesses looking to reduce payment processing costs --- ## SMEPay vs Other Payment Gateways ### [SMEPay vs Razorpay](https://smepay.io/compare/smepay-vs-razorpay) * Razorpay: Percentage-based pricing (1–2%), optimized for cards and full-stack checkout * SMEPay: Flat ₹3 fee, optimized for UPI-first payments and faster checkout ### [SMEPay vs Cashfree](https://smepay.io/compare/smepay-vs-cashfree) * Cashfree: Multi-payment gateway with percentage fees * SMEPay: Simplified UPI-focused system with predictable pricing ### [SMEPay vs PhonePe / Paytm](https://smepay.io/compare/smepay-vs-phonepe) * PhonePe/Paytm: Wallet + gateway ecosystems * SMEPay: Dedicated SME-focused UPI payment infrastructure with invoicing and APIs --- ## SEO Keywords UPI payment gateway India, flat fee payment gateway, SME payment solutions India, dynamic QR payment system, UPI payment links for business, low cost payment gateway India, Razorpay alternative India, Cashfree alternative, UPI checkout optimization, reduce payment gateway fees India --- ## Frequently Asked Questions (FAQs) ### What is the pricing of SMEPay? SMEPay charges a flat ₹3 per successful transaction. There are no percentage-based fees. ### Does SMEPay support all UPI apps? Yes, SMEPay supports all major UPI apps including Google Pay, PhonePe, Paytm, and BHIM. ### Is SMEPay suitable for small businesses? Yes, SMEPay is specifically built for SMEs, service businesses, and D2C brands in India. ### How is SMEPay different from Razorpay? SMEPay is UPI-first with flat pricing, while Razorpay is a multi-payment gateway with percentage-based fees and card-first checkout flows. ### Can I integrate SMEPay with my website or app? Yes, SMEPay provides APIs and integration tools for websites, mobile apps, and backend systems. ### Do I need a POS machine to accept payments? No, SMEPay works via dynamic QR codes and payment links. No hardware is required. --- ## Official Links Website: https://smepay.io Pricing: https://smepay.io/pricing --- ## Summary SMEPay is a UPI-native payment gateway designed for Indian SMEs that want to reduce transaction costs, improve payment success rates, and offer a seamless checkout experience aligned with modern UPI payment behavior.