UPI payments for business: fees, accounts and how customers pay you
Plain-English guides for anyone in India who takes payments by UPI: a shop, a clinic, a consultant, a freelancer. What it costs, which account to use, and when you need more than a QR code.
These guides cover the three questions a business asks about UPI: what the 2026 merchant fee will cost it, whether a personal account or a merchant account is the right one, and whether a UPI QR code, a payment link or a payment gateway fits how its customers pay. Each guide works from the government's and NPCI's own documents, dated.
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Start with the question you have
Each one answers its question in the first paragraph, then shows the working, with a tool to run your own numbers.
UPI charges for merchants in 2026
Who pays the new UPI fee, how much, from when - and why most shops pay nothing. With a fee calculator.
Read the guide →UPI QR vs payment link vs payment gateway
What each takes, what each costs - including gateway fees on UPI - how the money reaches you, and a chooser.
Read the guide →UPI business account or personal UPI?
P2P, P2PM and merchant accounts explained, the ₹1 lakh line, the three-month rule, and UPI limits for a business.
Read the guide →If you are setting up payments from scratch
Read them in this order and you will know what to set up, and what it will cost, by the end.
Which account the money should land in
The personal, small-merchant and merchant categories, and the line between them. UPI business account vs personal UPI.
How customers will pay you
At the counter, on WhatsApp or through a website checkout. UPI QR vs payment link vs payment gateway.
What it will cost once the new fee starts
Who pays, how much, and the start date as it stands. UPI charges for merchants.