SMEPay powers the F&B industry with instant settlements, dynamic QR codes, and zero commission payments with a seamless no redirect checkout.
Start collecting UPI payments with zero commissionTrusted by growing food businesses across India
SMEPay is a leading UPI payment gateway in India that empowers businesses with zero commission transactions. Whether you need dynamic QR codes, instant payment links, or direct API checkout, our platform ensures a seamless no redirect checkout experience for maximum conversion.
Enter the amount and instantly generate a secure UPI link from your dashboard.
Drop the link directly into your WhatsApp chats or Instagram DMs with customers.
Customers pay via any UPI app with no redirect checkout, and you receive funds instantly.
A UPI payment gateway for food businesses allows restaurants, home bakers, and cloud kitchens to accept digital payments from customers through UPI apps. By utilizing SMEPay, you eliminate traditional merchant discount rates (MDR), retain your tight profit margins, and enjoy instant bank settlements essential for daily operations.
Food businesses rely on daily cash flow to buy fresh ingredients. Traditional gateways take T+2 days to settle funds, creating working capital crunches.
In the F&B industry, margins are already squeezed by aggregator platforms. Paying an additional 2% gateway fee is unsustainable for local cafes.
Managing cash on delivery requires exact change, increases theft risk, and slows down delivery riders during peak hours.
Keep 100% of your earnings. With SMEPay's 0% MDR on UPI, food businesses can save thousands monthly on high-volume, low-ticket orders.
Get paid immediately. Money is settled instantly to your bank account, ensuring you always have cash for tomorrow's inventory.
Empower delivery agents to share instant payment links or display dynamic QR codes via WhatsApp instead of collecting cash.
Running your own D2C ordering site? Embed our no-redirect API to provide a seamless checkout experience and bypass aggregators.
SMEPay is the trusted UPI payment gateway for various food commerce models. Whether you are running a cloud kitchen or a cafe, our platform empowers multiple business types to accept payments instantly. We are widely used by cloud kitchens, home bakers, and local cafes in India to collect UPI payments directly.
| Feature | SMEPay | Razorpay / Cashfree / Paytm |
|---|---|---|
| Transaction Fee (MDR) | 0% (Flat Pricing) | ~2% per transaction |
| Settlement Time | Instant | T+1 or T+2 Days |
| Setup Complexity | Extremely Simple | Complex document verification |
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Yes, SMEPay is widely used by cloud kitchens, home bakers, and local cafes in India to collect UPI payments instantly without paying any commission fees.
Delivery agents can generate instant UPI payment links or show a dynamic QR code on their phone upon delivery, ensuring secure, contact-free COD alternatives.
Yes, SMEPay processes direct UPI settlements instantly to your bank account, providing the cash flow needed for daily inventory purchases.
Unlike Razorpay which charges around 2% per transaction, SMEPay is a zero commission UPI payment gateway in India with a no redirect checkout, designed specifically for food businesses.
No, there are no setup fees or hidden charges. You can start generating payment links and QR codes instantly for free.
Generate your first payment link. Keep every rupee you earn; only a flat fee applies.