PhonePe Business UPI, Loan App

Accept UPI via QR Payment, POS machine & Smart Speaker. Get instant MSME loan.

Accept payments for your business instantly with PhonePe Business, the merchant app trusted by over 5 crore merchants across India. Collect UPI payments via credit/debit cards and mobile wallets using a single PhonePe QR code, making it the all-in-one QR merchant app for your business.

Get your free QR sticker for business in seconds via our QR Billing App, equip your shop with a Smart Speaker(Soundbox),POS Machine, and get an instant loan to scale your retail merchant store - all from one app.

Why Choose PhonePe Business App?

✔ QR Payment App: Customers can scan and pay via QR code and pay with any UPI - Paytm, Google Pay, BHIM, BharatPe, ​​Airtel Payments, Mobikwik, Bajaj Finserv.
✔ Instant Merchant Settlement: Get daily settlements credited to your bank account. Use 'SettleNow' to receive money anytime.
✔ Real-Time Payment Tracking: Monitor daily transactions, customer payment history, and settlements instantly in the app history section.
✔ UPI Autopay: Automatically collect recurring payments for subscriptions and bills from your customers.
✔ Dynamic QR Codes: Generate QR codes with auto-filled payment details for faster checkout.
✔ Get Instant Help: Resolve queries via our Chat Bot or helpdesk.
✔ Personal Loan: Easy & Fast, Multi-purpose Loans, through our personal loan app.

Smart Hardware for Every Store
Never miss a payment alert - order our Smart Speaker (Sound Box), accept card payments with our POS Machine App, or get both with SmartPOD:
✔ Get instant voice payment alerts in multiple regional languages, right from a UPI Speaker or UPI announcer app.
✔ Receive payment confirmations in celebrity voices, with audio settings you control from your phone.
✔ Swipe Debit Cards, Credit Cards, International Cards, UPI QR and Wallet payments on one payment terminal.
✔ Pocket-friendly monthly device rentals with competitive MDR rates.
✔ PhonePe SmartPOD combines Smart Speaker and POS Machine, for card and UPI payments.

Instant Business Loan for Merchants (MSME & SME)
Grow your business with our Loan app, offering collateral-free credit through RBI-regulated lending partners, built for merchants:
✔ Loan amounts ranging from ₹50,000 to ₹7,00,000 at attractive rates, with digital approval in minutes on our MSME loan app and our SME loan app.
✔ Enjoy flexible tenure up to 30 months and low processing fees on every loan.
✔ Every loan is instant and digital, with zero paperwork.
✔ Easy Daily Installments (EDI) deducted from your daily UPI collections, through a simple finance loan app.
✔ PhonePe Business is one of the instant loan apps for merchants - multiple lenders, no hidden charges, anytime foreclosure, plus daily loan updates.

Loan Eligibility & Documentation Required:
✔ Basic details needed: Date of Birth, PAN Card and Aadhaar Number.
✔ *Business or bank account details not needed for loans up to ₹7 Lakhs, subject to change per lender policies.

How to Apply:
✔ Choose your loan value and interest rate, enter your Date of Birth, PAN and Aadhaar Number, click a selfie, complete KYC, and set up Auto-pay.

More About the Loan Offerings:
✔ Min. Tenure: 6 months
✔ Max. Tenure: 30 months
✔ Max. rate of interest charged: 39% flat p.a.

Sample Loan Example:
✔ Principal Loan Amount: ₹15,000 | Interest Rate: 18% p.a. flat | Tenure: 3 months
✔ Total Interest Payable: ₹675 | Processing Fee: ₹300 (2%)
✔ Total Amount Payable by Merchant: ₹15,975

RBI Registered NBFC Lending Partners:
✔ Innofin Solutions Pvt Ltd
✔ Aditya Birla Capital Limited
✔ PayU Finance India Private Limited
✔ Muthoot Fincorp Limited
✔ UGRO Capital Limited
✔ Shriram Finance Limited
✔ SMFG India Credit Company Limited
✔ KrazyBee Services Limited

Download PhonePe Business for UPI payments and instant personal loans – also searched by millions as Phone Pay By Business, Phone Pay Business, Pay Phone Business, or Pe Phone Business, PhonePe Merchant.


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