No website, no code — just create and share.
Create your first payment linkSMEPay provides the most reliable Payment Links in India with zero commission. Send a secure UPI payment link via WhatsApp or Instagram to collect money instantly using our fast no redirect checkout.
A Payment Link is a simple, secure URL that lets you collect money from anyone, anywhere. Instead of asking customers to figure out exact UPI IDs or sending them manual bank details, you generate a precise link with the exact amount.
Traditional gateways were built for card payments, adding unnecessary friction.
India is a UPI-first economy. We built SMEPay for real user behavior, removing friction and creating a seamless, one-tap UPI experience that dramatically increases conversion rates.
Sneaker Drop
Scan or click to pay via UPI
Enter the amount and description in your SMEPay dashboard to instantly generate a secure link.
Send the link via WhatsApp, Instagram DM, Email, or SMS directly to your customer.
Customer clicks, opens their preferred UPI app, and pays in one tap. Instant settlement.
Send professional payment links alongside your invoices. Get paid faster without chasing clients for basic bank transfers.
Stop asking for screenshots! Send a link in DMs, let customers pay via their UPI app, and get real-time payment confirmations.
Have a pop-up stall or offering home services? Generate a fixed-amount link on the spot to ensure you collect exact payments.
Automatically detects installed UPI apps (GPay, PhonePe, Paytm) on mobile phones for one-tap payments.
If opened on a desktop, the link instantly renders a dynamic QR code for easy scanning with any mobile device.
Set links to expire after a certain time to create urgency or limit inventory purchases.
Growth comes from removing friction, not adding features.
Higher UPI Success Rate: Because we don't route users through unnecessary card or net-banking screens, our UPI success rates are significantly higher than traditional gateways.
Built for Indian Behavior: Indians prefer UPI. We lean heavily into this by serving deep links that talk directly to native UPI apps, bypassing browser incompatibilities.
| Feature | SMEPay | Others (traditional gateways / Cashfree) |
|---|---|---|
| Transaction Fee (UPI) | 0% | ~2% per transaction |
| Checkout Experience | Native UPI App (No Redirect) | Web Redirects & OTPs |
| Settlement Time | Instant | T+1 or T+2 Days |
A UPI payment link is a shareable URL that allows customers to pay you instantly using any UPI app like Google Pay, PhonePe, or Paytm without needing to enter bank details.
No, SMEPay's payment links come with 0% commission on UPI transactions. There are no hidden setup or maintenance fees.
SMEPay provides instant settlements directly to your bank account as soon as the customer completes the payment.
Not at all. You can generate payment links from the SMEPay dashboard and share them via WhatsApp, SMS, or Instagram DMs.
Generate your first payment link. Keep every rupee you earn; only a flat fee applies.