PhonePe Business: UPI, QR, POS

The PhonePe Business app allows Indian merchants to accept digital payments through a secure UPI gateway, accepting BHIM UPI payments and other modes like credit and debit cards, as well as wallets. Once activated, merchants can instantly download a payment QR sticker to start accepting digital payments at their store. The app also enables real-time tracking of transactions and settlements, and direct settlement into the merchant's bank account. Additionally, PhonePe Business provides instant loans to small businesses through its MSME Loan App and SME Loan App, allowing merchants to grow their business. With the app's secure and reliable payment system, merchants can resolve queries using the chatbot or reach the helpdesk for assistance.

The PhonePe Business App is a Merchant App and UPI Business App, giving you a gateway to a digital payments network spanning 5 Crore merchants! Track every UPI Transaction, accept payments through our UPI App & apply for a business loan.

Once activated, instantly download the payment QR sticker & start accepting digital payments as a QR Payment App at your store. Order free QR stickers via our QR Merchant App or QR Billing App, delivered across India.

Key Benefits of PhonePe Business App
✔ Accept BHIM UPI payments as a verified upi merchant, via our secure upi gateway
✔ Track every UPI Transaction & settlement as a reliable online payment app

Easy Payment Acceptance:
Use the PhonePe QR to scan and pay & accept payments from all BHIM UPI apps. The PhonePe QR also supports other payment modes like Credit & Debit Card & Wallets.

Get Instant Help:
Resolve queries using our Chat Bot in the Help section, or reach our helpdesk on the PhonePe Business App.

Direct Settlement Into Your Bank Account:
Money is transferred safely & directly into your bank account instantly or next morning. Use our 'SettleNow' feature to receive money anytime.

Real-Time Transactions & Payments Tracking:
Check your transactions & settlements easily in the History section on the PhonePe Business App.

Get Instant Loan for Merchants:
The PhonePe Business App provides loans to MSME Loan App & SME Loan App for small businesses. Get a loan on PhonePe & move a step closer to growing your business.

Merchant Loan Highlights:
✔ Attractive interest rates with up to 30 months tenure
✔ Instant digital loan with 0 paperwork
✔ Online loans from INR 50,000 to INR 7,00,000
✔ Easy repayment option with EDI - Easy Daily Installments
✔ EDIs deducted from daily transactions collected via customer payments on PhonePe
✔ Trustworthy loans, offered by RBI-regulated lending partners authorized to offer credit products on PhonePe
✔ Multiple lenders to choose a suitable offering at competitive interest rates
✔ Low processing fees & no hidden charges
✔ Daily updates about your Loan on the PhonePe Business App
✔ A Finance App with Quick Business Loan & Instant Loan status
✔ Option to foreclose Loan any time

Documents required:
Details needed:
✔ Date of Birth
✔ PAN
✔ Aadhaar Number

*Business or Bank account details are NOT needed for loans up to INR 7 lakhs; may change as per our lender policies.

Steps to avail:
✔ Choose loan value & interest rate
✔ Enter details such as Date of Birth, PAN, & Aadhaar Number
✔ Click a selfie, & complete KYC digitally
✔ Set-up Auto-pay on your account

More about the loan offerings:
✔ Min. Tenure: 6 months
✔ Max. Tenure: 24 months
✔ Max. rate of interest charged: 39% flat p.a.

Example: Total cost of the Loan, including principal & all applicable fees:
✔ Principal loan amount: Rs. 15,000
✔ Flat Interest Rate: 18% p.a.
✔ Processing Fees: 2%
✔ Tenure: 3 months

Then,
✔ Total interest amount payable: Rs. 675
✔ Total processing fee amount payable: Rs. 300
✔ Total cost to the user: Rs. 15,975

Our RBI registered NBFC partners
✔ Innofin Solutions Pvt Ltd
✔ Aditya Birla Finance Limited
✔ PayU Finance India Private Limited
✔ Muthoot FinCorp Limited
✔ Piramal Finance Limited

PhonePe POS Machine App:
Place an order for your POS Device & accept payments via UPI, Debit & Credit Card, Wallet & other modes as a point of sale device. Pay nominal monthly rental & enjoy competitive MDR rates.

PhonePe Smart Speaker:
Order a Smart Speaker, our UPI Speaker App, install it at your store & get instant payment voice notifications in select regional languages, with alerts in the voice of celebrities.