Accepting mobile payments simplifies transactions for businesses in India, boosting sales with instant UPI transfers and low fees. Popular apps like PhonePe and Google Pay offer seamless QR scans and refer-and-earn perks for extra income.
To accept mobile payments online
UPI QR Code Setup
Download apps like PhonePe (47.8% UPI market share) or Google Pay (37% share). Generate a static/dynamic QR code in the merchant section—customers scan via their app to pay instantly.
Display QR at your Jorhat shop counter; track payments in real-time dashboards. PhonePe and Paytm support offline modes for reliability.
Popular Apps accept mobile payments
- PhonePe: Refer friends for cashback up to ₹100-₹1,000 per successful invite; earn on their first UPI txns.
- Google Pay: Scratch cards and referral bonuses (₹201+ per friend); ideal for quick peer-to-peer and merchant payments.
- Paytm: Refer & Earn cashback; wallet-based payments with bill pay integration.
Wallet and NFC Options
Amazon Pay UPI: Low fees, Amazon-linked rewards; refer for bonuses. Mobikwik Pocket UPI: No-bank-account payments with referral earnings up to ₹2,100 via GroMo integration.
Enable NFC Tap-to-Pay on ICICI iMobile or HDFC PayZapp for contactless; both have referral programs yielding ₹300+.
POS and Advanced Integrations
Link WhatsApp Pay for chat-based collections (₹4,348 Cr monthly volume). Use Cashfree or Razorpay gateways for e-commerce sites, embedding UPI checkout.
UPI-Based Apps (P2P/Merchant)
UPI transactions remain free for personal use across PhonePe, Google Pay, and Paytm—no sender fees. Merchants face 0.5%-1.1% interchange on wallet loads over ₹2,000, passed to businesses.
Daily limits: ₹1 lakh per bank (e.g., SBI), but PhonePe allows up to ₹2 lakh for high-volume users. Paytm caps at ₹1 lakh/day for non-KYC wallets.
Popular Wallets Comparison
| App | Merchant Fee | Daily Limit (Personal) | Refer Earnings | Notes cashfree+1 |
|---|---|---|---|---|
| PhonePe | 0%-1.1% | ₹1-2 lakh | ₹100-₹1,000 | Highest UPI share |
| Google Pay | 0%-0.3% | ₹1 lakh | ₹201+ | Scratch rewards |
| Paytm | 0%-1.1% | ₹1 lakh (non-KYC) | Cashback | Bill pay focus |
| Amazon Pay | 0%-2% | ₹1 lakh | Bonuses | Prime perks |
NFC and POS Gateways
NFC via ICICI iMobile or HDFC PayZapp: 1%-2% + flat ₹0.50-₹3 per tap; limits ₹50,000/transaction, ₹5 lakh/day.
Razorpay/Cashfree gateways: 2% for UPI cards, ₹2 lakh/transaction cap; ideal for e-commerce with 0% domestic UPI.
Key Takeaways
UPI wins on zero fees/low limits for small Jorhat businesses; gateways suit high-volume online sales. Always check bank-specific caps—exceeding triggers holds.
Security and Tips
Verify VPA, enable PINs, and monitor for fraud. Fees: 0% for P2P, 1.1% for merchants. Promote refer codes to customers for mutual earnings.