- How do payments work on SmolBusiness?
- Your store uses one method at a time. The default is manual UPI: the customer pays a QR built from your own UPI ID, uploads the payment screenshot, and you approve the order before shipping. The alternative is connecting your own Razorpay keys so orders confirm automatically. Both send the money to your own account.
- Does the platform take a commission?
- No, on either payment method. There is zero commission on your sales. The platform is billed separately as a seller plan: you get 50 credits once at signup, and a paid order costs credits on a band based on its value, from 0 credits on orders up to ₹149 to 20 credits above ₹2,499.
- Can I use my own Razorpay account?
- Yes. You connect your own Razorpay keys, so orders confirm themselves when payment succeeds and funds settle into your own Razorpay account. Your key secret is encrypted at rest and is never returned in any API response.
- Is my money ever held by SmolBusiness?
- No. Whether the customer pays your UPI QR or through your own Razorpay, the payment goes to your account. The platform never holds, splits or routes your customers' money, which is also why there is no settlement cycle and no balance to withdraw.
- Which method should I start with?
- Manual UPI, almost always. It needs nothing more than a UPI ID you already have, and while your volume is low, looking at each payment before you ship is genuinely useful. Move to Razorpay when the verifying is costing you more time than the check is worth.
- Can I offer both at checkout so the customer chooses?
- No, and that is deliberate. A store has one payment method at a time, set by you, so buyers never see a picker. You change it in settings whenever you like and it applies to new orders.
- What stops a fake payment screenshot?
- You do, because nothing ships until you approve it. The verify screen shows the uploaded screenshot against the amount the order expects, and the upload also runs a check flagging whether the amount and payee look right. That check is advisory, so the approval is always your call.
- Do I need a business account or GST number?
- Not for manual UPI. If your UPI ID receives payments today it works at checkout, and you can start with a personal one and change it later in settings. Connecting your own Razorpay account means meeting whatever Razorpay requires to approve it, which is between you and them.
- Is cash on delivery available?
- No. There is no COD anywhere in this platform. Every order is paid before it ships, either on your UPI QR with your manual approval, or automatically through your own Razorpay.
