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Transparent & Affordable UPI Pricing

Flat Platform Fee + Standard Govt MDR

Easy, dedicated UPI payment gateway for growing businesses—no hidden charges or complex contracts.

₹3

Pay a Flat fee on
successful payments

Flat platform fee + Govt MDR on online payment
collection with SMEPay

Everything Else is Free

₹3 with ₹499/month Pro Plan · ₹5 standard fee · Save 40%

Pro Plan Benefits

  • ✅ ₹3 per transaction
  • ✅ Dedicated priority support
  • ✅ Higher transaction limits

You save ₹2 on every transaction

Recover ₹499/month in 250+ transactions

Example: 300 payments/month = ₹600 saved

Fee Comparison

SMEPay vs Others

See how much you can save with SMEPay's flat platform fee structure compared to standard 2% fees.

Enable SMEPay Pro Plan (₹499/mo)

Reduces flat fee to ₹3 per transaction.

1 - 100,000

1 - 100,000

Others (2% Fee)

Standard payment gateways

Monthly Fee

₹ 3,000

Yearly Fee

₹ 36,000

YOUR SAVINGS

SMEPay (Flat ₹5 Fee)

Flat fee + Govt MDR

Monthly Fee

₹ 1,500

Yearly Fee

₹ 18,000

Total Extra Profit with SMEPay

₹ 1,500

Saved per month

₹ 18,000

Saved per year

Calculations include SMEPay flat fee (₹5) plus 0.4% Govt MDR on transactions above ₹2,000 per NPCI guidelines. "Others" fee is modeled on 2% MDR.

Built on Trust

Trusted by 10,000+ Businesses Across India

From solo freelancers to growing SMEs, thousands of merchants rely on SMEPay for transparent, hassle-free UPI collections.

SMEPay's affordable flat pricing and instant settlements have been a game changer for my design studio.

Neha Kulkarni

Freelance UI/UX Designer

Setting up a branded payment page took me under two minutes. My customers love the seamless checkout.

Rahul Sharma

Owner, Urban Bakes

Frequently Asked Questions

No. You can collect payments using payment links or QR codes without having a website. SMEPay works fully online with no coding required.
No app is required. SMEPay works through web-based payment links, QR codes, and APIs. An optional Android app is also available for merchant convenience.
Sign up, complete KYC verification, activate your account by recharging the wallet, and start collecting UPI payments.
SMEPay supports UPI payments through all major UPI apps such as Google Pay, PhonePe, Paytm, BHIM, and others.
SMEPay charges a flat fee per successful UPI transaction, starting at ₹5. With the optional ₹499 plan, the charge reduces to ₹3 per transaction.
₹5 is the standard per-transaction fee. With our optional ₹499 Pro plan, the fee reduces to ₹3 per successful transaction. Ads usually highlight the discounted Pro pricing.
There are no transaction limits. SMEPay charges a flat platform fee per transaction along with standard Govt MDR (0.4% Govt MDR for transactions above ₹2,000 as per NPCI rules).
No. SMEPay has no mandatory monthly subscription fees and no hidden charges.
No. The ₹499 plan is completely optional. It is recommended for merchants with higher transaction volumes to reduce per-transaction costs.
No. Charges apply only to successful UPI transactions. Failed, pending, or reversed transactions are not charged.
Settlements are processed on the next working day (T+1), usually between 5 PM and 7 PM, as per UPI and banking timelines.
Yes. All transactions and settlements are visible in the SMEPay dashboard with complete status and reference details.
Yes. SMEPay processes payments using secure UPI infrastructure through regulated banking and payment partners, following applicable RBI and UPI guidelines.
Yes. You can add your business name, logo, and payment descriptions to create a branded payment experience.
Yes. SMEPay offers APIs, webhooks, and a JS-based integration wizard for advanced payment flows and system integrations.
No. SMEPay has no lock-in period or contractual commitments. You can stop using the service anytime.
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Ready to upgrade to a dedicated UPI payment gateway?

Generate your first payment link in minutes. Enjoy easy, dedicated UPI checkout with affordable flat platform fees & Govt MDR.