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0% Commission

on every

payment collected

Keep 100% of what you earn—no hidden fees, no monthly charges

₹3

Pay a Flat fee on
successful payments

0% commission 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

Payment Link

Payment Link

Generate a one-time payment link in seconds and share via SMS, email, or chat—no website or integration needed.

Payment Page

Payment Page

Launch a secure, hosted payment page in minutes. Add your details, and start collecting—no developer help required.

Payment Page+

Payment Page+

Serve your page on your own domain for a seamless brand experience—0% commission.

API

API

Integrate a seamless checkout experience directly into your site or app.

Built on Trust

Trusted by 1,200+ Businesses Across India

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

SMEPay's zero-commission model 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.
No. SMEPay has no mandatory monthly fees, no percentage-based commissions, and no hidden charges.
The ₹500 activation fee is a one-time charge after KYC approval. This amount is added to your SMEPay wallet and used to deduct transaction 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 ditch per-transaction commissions?

Generate your first payment link. Keep every rupee you earn; only a flat fee applies.