SMEPay is a zero-commission UPI payment gateway for Indian SMEs, freelancers, and social sellers, with flat per-transaction fees and no-redirect checkout.
SMEPay is a UPI-focused payment collection platform for Indian businesses, letting merchants accept payments via shareable payment links, dynamic QR codes, hosted payment pages, product links, and mini digital storefronts. Payments open directly in the buyer's UPI app with no redirect checkout, and successful transactions settle to the merchant's bank account the next business day.
Instead of the standard 2% merchant discount rate charged by most Indian gateways, SMEPay uses a flat per-transaction fee (with no charge on failed, pending, or refunded payments), making it aimed at freelancers, Instagram and WhatsApp sellers, D2C brands, and small service businesses without a full website. It integrates with WooCommerce, Shopify, and WHMCS, and connects with partner banks and networks including Airtel, PhonePe, PayU, ICICI Bank, and Yes Bank.
SMEPay is operated by Inlinepay Payments Private Limited, headquartered in Bengaluru, Karnataka, India.
No. SMEPay uses a flat per-transaction fee model (₹5 per successful transaction, or ₹3 on the ₹499/month Pro Plan) instead of a percentage-based commission.
Successful transactions settle to the merchant's bank account on a next-business-day (T+1) basis.
SMEPay integrates with WooCommerce, Shopify, and WHMCS, and works with UPI apps and partner banks/networks such as Airtel, PhonePe, PayU, ICICI Bank, and Yes Bank.