Your payments, your account

Your UPI or your own Razorpay — never the platform's.

Choose how you get paid: a UPI QR that pays your account directly, or your own connected Razorpay keys for automatic confirmation. Either way, SmolBusiness never holds a rupee of your customers' money.

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Most sell-online tools route your customers' payments through their own account first, then pay you out — taking a cut and holding your money along the way. Owning the payment method means the funds are yours from the moment a customer pays.

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Platform never holds funds

Payments go straight from your customer to your account. We never sit in the middle, never split, never hold.

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UPI, direct to you

Customers pay your own UPI QR from any UPI app, and you approve each payment before shipping.

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Or your own Razorpay

Connect your own Razorpay keys and orders confirm automatically through your account — still zero platform cut.

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Zero commission

No cut on any order, on either payment method. You're billed only on a simple platform plan.

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Your keys, encrypted

If you connect Razorpay, your keys are encrypted at rest and never exposed — they stay yours.

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One store, your choice

Pick the method that suits you; your customers just see a clean checkout on your own store link.

Questions, answered

How do payments work on SmolBusiness?
You choose one method for your store: your own UPI QR (customers pay and upload a screenshot, you verify), or your own connected Razorpay keys (orders confirm automatically). In both cases the money goes straight to your account — the platform never holds it.
Does the platform take a commission?
No. There's zero commission on your sales regardless of which payment method you use. You're only billed on a simple plan for the platform itself.
Can I use my own Razorpay account?
Yes. You can connect your own Razorpay keys so orders confirm automatically through your account. Your keys are encrypted at rest and the funds are always yours.
Is my money ever held by SmolBusiness?
No. Whether customers pay by UPI or through your Razorpay, the payment goes directly to your account. The platform never holds, splits, or routes your customers' money.

Ready to sell without the DM chaos?

Free to start, live in minutes. Your store, your UPI, zero commission.

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Join Indian sellers turning their Instagram into a real business. Free to start, live in seconds.

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SmolBusiness is a no-code ecommerce website builder for Instagram sellers and small businesses in India. Create an online store in minutes, sell online on your own store link, and take UPI payments directly with zero commission. No website, developer, or hosting needed.

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