Accepting UPI payments in your business: a practical guide

Use a business QR, not your personal one

Most payment apps and banks offer a merchant or business account with its own QR code. It shows your business name to the customer, keeps business payments separate from personal ones, and usually gives you a dashboard and settlement reports. Use your current account for business receipts where you can, which makes accounting and loans easier.

Confirm every payment

• Do not rely only on a screenshot from the customer; screenshots can be faked. Check the payment in your app or bank, or use a sound box that announces each payment.
• Check the amount, not just that a payment arrived.
• Train staff to wait for confirmation before handing over goods.

Payment links and advance payments

For service bookings and orders taken on WhatsApp, you can send a UPI payment request or a payment link from your business app or payment gateway. Ask for an advance to confirm bookings, and say clearly in the message what the payment is for.

Stay safe

• You never need to enter your UPI PIN to receive money. A request that asks you to enter your PIN "to receive" is a scam.
• Do not share OTPs or your PIN with anyone, including callers claiming to be from your bank or payment app.
• Display your QR code where staff can see it, and check periodically that nobody has stuck a different code over it.

Keep records

Download monthly statements from your business app or bank and give them to your accountant. Note the invoice or order number in the payment remark when you can, which makes matching easy.

Tell customers you accept UPI: list it in your payment options on your Indiexis page and Google Business Profile.