A UPI store for India, where the money lands in your account.

What ₹50,000 of sales costs you

The clearest way to compare a UPI store against a commission-based one is to run the same month through both. Assume fifty orders averaging ₹1,000 each.

The 3% figure is an illustration of a typical commission model, not a quote from any named platform. SmolBusiness bills a separate platform plan instead of a share of your sales, so the plan cost does not scale with how much you sell.

Questions, answered

Can I accept UPI payments on my online store?

Yes. SmolBusiness is UPI-first: customers pay a QR built from your own UPI ID at checkout, so the money lands directly in your account. You approve each payment before shipping, and there is zero commission on your sales.

Which UPI apps can customers pay with?

Any of them. The checkout shows a QR that scans in GPay, PhonePe, Paytm and every other UPI app, alongside your UPI ID and the exact amount to pay. Your customers pay however they normally do.

How is a UPI payment confirmed?

The customer pays your UPI QR and uploads a payment screenshot. The order then waits in a verify queue until you approve it by hand, from either the mobile app or the web dashboard. If you would rather orders confirm automatically, connect your own Razorpay keys.

Does the platform hold my money?

No. The platform never touches your customers' money. A UPI payment goes from the customer's bank straight to yours, which is also why there is no settlement wait and nothing to reconcile.

What does a UPI store cost?

It is free to start, with no credit card and no commission on any order. 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 on orders above ₹2,499.

Do I need a GST number or a business account?

Not to get started. If the UPI ID works today for receiving payments, it works at checkout. You can start with a personal UPI ID and change it later from your store settings.

What stops someone sending a fake payment screenshot?

You do, because nothing ships until you approve it. The verify screen shows the screenshot against the amount the order expects, and the upload also runs a check on the image to flag whether the amount and payee look right. That check is advisory, so the approval is always yours.

Can I switch to Razorpay later?

Yes. Your store uses one payment method at a time and you can change it in settings. Connecting your own Razorpay keys switches new orders to automatic confirmation, still settling into your own Razorpay account.