Turn chats into checkouts. Collect zero commission UPI payments via Instagram and WhatsApp with a seamless no redirect checkout—no website required.
Start collecting UPI payments with zero commissionTrusted by growing social sellers across India
SMEPay is a leading UPI payment gateway in India that empowers businesses with zero commission transactions. Whether you need dynamic QR codes, instant payment links, or direct API checkout, our platform ensures a seamless no redirect checkout experience for maximum conversion.
Enter the amount and instantly generate a secure UPI link from your dashboard.
Drop the link directly into your WhatsApp chats or Instagram DMs with customers.
Customers pay via any UPI app with no redirect checkout, and you receive funds instantly.
A UPI payment gateway for social commerce provides Instagram sellers, WhatsApp stores, and influencers with link-based payment tools. Unlike traditional payment gateways that require a fully functional website and charge high fees, SMEPay allows you to generate instant payment links to share in chats, securing sales with 0% commission.
Traditional payment gateways often reject merchants who don't have a live website, making it impossible for genuine Instagram stores to get approved.
Asking customers to send money to a personal phone number and sharing screenshots is unprofessional and leads to severe accounting headaches.
Buyers are hesitant to transfer money directly to unverified numbers. A lack of professional invoices or structured payment links causes drop-offs.
Generate specific payment links from the SMEPay dashboard and paste them into your Instagram DMs or WhatsApp. The customer clicks, pays via their UPI app, and you're notified instantly.
Resellers operate on thin margins. SMEPay charges 0% transaction fees on UPI, meaning you keep 100% of your hard-earned profit.
You don't need a domain or a complex website to get started. SMEPay approves legitimate social commerce businesses quickly.
Look like a pro. SMEPay generates professional payment confirmation screens, building trust with first-time buyers on social media.
SMEPay is the trusted UPI payment gateway for various social commerce models. Whether you are selling through direct messages or groups, our platform empowers multiple business types to accept payments instantly. We are widely used by Instagram sellers, WhatsApp stores, and resellers in India to collect UPI payments seamlessly.
| Feature | SMEPay | Razorpay / Cashfree / Paytm |
|---|---|---|
| Website Requirement | Not Required (Use Links) | Often mandatory for approval |
| Transaction Fee (MDR) | 0% (Flat Pricing) | ~2% per transaction |
| Checkout Experience | Direct Intent & Instant Link | Multiple redirects |
Explore more industry solutions: Fashion Brands | Beauty Brands | Gifting Businesses
No, you do not need a website. SMEPay is designed for social commerce; you can generate UPI payment links and share them directly in Instagram DMs or WhatsApp chats to collect payments.
Yes, SMEPay is highly suitable and widely used by Instagram sellers, influencers, and resellers in India to collect instant, zero-commission UPI payments from their followers.
Absolutely. Every payment link generated via the SMEPay dashboard updates in real-time, notifying you instantly when a customer completes the transaction via WhatsApp.
Unlike Razorpay which charges around 2% per transaction, SMEPay is a zero commission UPI payment gateway in India with a no redirect checkout, designed specifically for social commerce.
No, there are no setup fees or hidden charges. You can start generating payment links and QR codes instantly for free.
Generate your first payment link. Keep every rupee you earn; only a flat fee applies.