PhonePe Business UPI, Loan App

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.