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100% Margin Retention

India's Leading No Commission Payment Gateway

Stop sacrificing your profits. Process UPI payments instantly with zero percentage fees and a frictionless, no-redirect checkout experience.

What is a No Commission Payment Gateway?

A no commission payment gateway is a payment processor that does not take a percentage slice out of your transaction volume. For example, on a ₹10,000 sale, a traditional gateway might keep ₹200. A zero commission gateway lets you keep the entire ₹10,000, charging only a tiny fixed technology fee to facilitate the UPI transfer.

Why Businesses Need This in India

In India, the standard for peer-to-peer payments is completely free. Yet, when businesses try to collect payments professionally, they are burdened with exorbitant fees meant for credit card networks. For low-margin or high-ticket businesses, giving away 2% is a dealbreaker. You need a platform that aligns with the low-cost nature of UPI.

Freelancers save heavily with this model. Read our guide on UPI for Freelancers.

How SMEPay Solves This

SMEPay breaks the mold by offering true zero commission pricing. Beyond just saving money, we optimize the actual transaction. Our no redirect checkout ensures that when a user clicks a payment link, their UPI app opens instantly without bouncing through clunky web pages. Higher margins and higher conversion rates.

Key Features

Payment Links

Send direct payment links via SMS, WhatsApp, or email to collect funds instantly.

QR Payments

Deploy dynamic QRs that eliminate manual amount entry errors.

No Redirect Checkout

Provides an app-like seamless checkout experience right from the browser.

Flat Pricing

Pay a minimal, predictable flat fee per transaction regardless of the size. View Flat Pricing →

SMEPay vs Alternatives

Platforms like Razorpay and Cashfree aggregate multiple payment methods, charging a premium for that convenience. SMEPay is hyper-focused on UPI. Because we don't carry the overhead of legacy card networks, we can pass those massive savings directly back to you, making us the premier low-fee alternative.

Frequently Asked Questions

Is there a truly no commission payment gateway in India?

Yes, SMEPay is a no commission payment gateway built for Indian businesses. Instead of taking a percentage of your sales, it charges a flat fee per transaction, ensuring 0% commission on UPI transfers.

How does SMEPay make money if it's zero commission?

While SMEPay does not charge a percentage-based commission, it sustains its platform through a nominal flat software fee (e.g., ₹3 per successful transaction) to maintain its highly optimized, no redirect checkout infrastructure.

Can I use a no commission gateway without a website?

Absolutely. You can generate dynamic payment links and QR codes directly from the SMEPay dashboard and share them with customers via WhatsApp, Instagram, or email.

Start collecting UPI payments instantly

Take control of your margins today. Set up your zero commission account in minutes.