Why pay 2% when you can pay a flat ₹3? Switch to a low fee payment gateway optimized for high-volume UPI transactions.
A low fee payment gateway actively reduces the cost of processing digital transactions. Instead of taking a substantial percentage (like 2-3%) of every sale you make, it utilizes efficient technologies—like the UPI network—to offer merchants a predictable, minimal cost structure.
In India, the vast majority of consumer payments have shifted to UPI. However, many businesses are still stuck on legacy payment processors that charge credit-card-level fees for basic bank-to-bank transfers. For businesses operating on tight margins, an expensive payment gateway acts as a massive tax on growth. They need a cheap, efficient alternative.
SMEPay has completely disrupted the pricing model by operating on zero commission. By focusing exclusively on UPI and stripping away legacy payment bloat, we offer arguably the lowest fee payment gateway in the country. We charge a tiny flat fee, saving you up to 90% on payment processing costs. Combine this with our high-converting no redirect checkout, and you have a solution that saves money and makes money.
The core feature. Pay a flat fee instead of a percentage. True cost savings. See Flat Pricing →
Generate links without paying premium fees for standalone link services. Read about Payment Links →
Dynamic QR codes for fast, accurate reconciliation at minimal cost.
Low fees do not mean low quality. Enjoy a premium intent-based checkout experience.
When compared to international giants like Stripe or domestic leaders like Razorpay, SMEPay wins heavily on unit economics. While Stripe offers a vast ecosystem, their fees for Indian businesses can be restrictive. SMEPay focuses purely on the domestic UPI market to offer the lowest possible pricing floor without compromising on checkout speed or security.
SMEPay is considered one of the lowest fee payment gateways in India because it replaces the standard 2% percentage commission with a flat fee model, typically charging just ₹3 per successful transaction.
Traditional gateways charge high fees because they are built to support credit cards, international payments, and legacy banking networks, passing those overhead costs onto merchants even for simple UPI transfers.
Yes. SMEPay operates on the highly secure, NPCI-regulated UPI network. The low fees are a result of our specialized, efficient infrastructure, not a compromise on bank-grade security.
Sign up today and experience massive cost savings on every transaction.