How do I collect payments with SMEPay?

Sign up, generate UPI links or QR codes, and share them with customers.

Are there any hidden fees?

No! We offer zero transaction fees with Rs3/link.

What type of payments can be accepted through SMEPay?

SMEPay QR allows payments from all UPI-enabled apps and bank accounts, including Paytm, Google Pay, PhonePe, BHIM, and others.

What is the difference between the Basic Plan QR Link and the Pro Plan QR Link?

The Basic Plan QR Link provides a simple QR code for accepting payments directly to your existing UPI ID (VPA). The Pro Plan QR Link offers advanced features such as deep link payments on mobile, automatic payment status tracking, and API integration for collecting payments from your website. A KYC-verified merchant account is required for the Pro Plan.

Does SMEPay provide a payment gateway service?

No, SMEPay provides only Dynamic QR code service.

SMEPay is a UPI-based payment gateway and financial platform for Indian SMEs. It allows businesses to collect payments, generate GST-compliant invoices, and manage cash flow. SMEPay charges a flat ₹3 platform fee per successful transaction, making it cost-effective for growing businesses.

Is SMEPay a payment gateway?

Yes, SMEPay is a UPI-based payment gateway specifically built for small and medium businesses. Unlike traditional gateways, SMEPay offers simple pricing and built-in tools like invoicing, vendor payments, and cash flow insights.

How does SMEPay pricing compare to Razorpay and others?

SMEPay charges a flat ₹3 per successful UPI transaction. Razorpay, Cashfree, and others typically charge 0.9% to 2% per transaction. For businesses with many small payments, SMEPay can be more cost-effective than percentage-based models.

What are the differences between SMEPay, Razorpay, Cashfree, Instamojo, and Paytm?

SMEPay is a UPI-based gateway with a flat ₹3 fee and built-in tools for SMEs like invoicing and cash flow tracking. Razorpay is a developer-focused gateway with support for multiple payment modes and APIs. Cashfree offers fast settlements and payouts. Instamojo focuses on digital product sellers and D2C brands. Paytm provides a wide wallet-based ecosystem and POS hardware. SMEPay is ideal for service-based or invoice-heavy businesses looking for predictable pricing and GST compliance.

Who should use SMEPay?

SMEPay is best for small and medium businesses in India that need an easy-to-use platform to collect payments via UPI, send GST invoices, and track cash flow. It suits service providers, freelancers, traders, and growing startups.

Does SMEPay support GST billing?

Yes, SMEPay supports GST-compliant billing, including HSN/SAC codes, auto GST calculations (CGST, SGST, IGST), and exportable reports for easy return filing.

How do I get started with SMEPay?

You can sign up on SMEPay’s website in under 2 minutes using your business and PAN details. No paperwork is required to start collecting payments and generating invoices.

Privacy Policy

Last updated: April 30, 2025
Effective date: April 30, 2025

Typof Technologies Pvt. Ltd. (“Typof,” “we,” “us,” or “our”) values your privacy. This Privacy Policy explains how we collect, use, share, and protect personal data when you use SMEPay.

1. Data We Collect

Account & Identity Data: Name, business details, email, mobile, KYC documents (PAN, GST, address proof).
Transaction Data: UPI VPA, transaction amounts, timestamps, wallet top-ups, fee deductions.
Technical & Usage Data: IP address, device/browser information, session logs, error reports.
Cookies & Trackers: Session and persistent cookies for authentication and analytics (e.g., Google Analytics).

2. Purposes of Processing

Service Delivery: Process UPI transactions via our Partners; generate invoices; send confirmations.
KYC & Compliance: Share documents with PhonePe, Setu, and Decentro for identity verification and AML checks.
Communication: Transaction alerts, OTPs, support responses; marketing (with opt-out).
Product Improvement: Usage analytics, feature optimization, fraud detection.
Legal Obligations: Tax, regulatory reporting, dispute resolution.

3. Data Sharing

Partners: PhonePe, Setu, Decentro for KYC/AML and UPI settlement under their policies.
Service Providers: Hosting, email, analytics—under confidentiality obligations.
Legal Authorities: When required by law or court order.
Business Transfers: In merger or acquisition, data may transfer under this Policy.

4. Security Measures

Encryption in transit (TLS) and at rest; strict access controls; periodic security audits.

No system is completely secure—report breaches to support[at]smepay[dot]io.

5. Data Retention

KYC & Transaction Records: Retained for at least 5 years per Indian law.
Inactive Accounts: Data anonymized or deleted after 2 years of inactivity unless legal obligations require otherwise.

6. Your Rights

Access, correct, or delete your personal data.
Object to or restrict processing.
Withdraw consent for marketing.
Port your data.

Exercise these by contacting support[at]smepay[dot]io. We will respond per statutory timelines.

7. International Transfers

Data may be processed in India or jurisdictions of our Partners with appropriate safeguards.

8. Children’s Data

Services are for users 18+. We do not knowingly collect data from minors; contact us to delete any such data.

9. Policy Updates

We may revise this Privacy Policy; the “Last updated” date will reflect changes. Continued use implies acceptance.

Contact Us

Typof Technologies Pvt. Ltd. (SMEPay)
Email: support[at]smepay[dot]io
Address: Nasscom Startups, 3rd Floor, 27th Main Rd, behind HSR Police Station, Phase 3, 1st Sector, HSR Layout, Bengaluru, Karnataka 560102

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