Resumen
PhonePe is a payment aggregator and gateway in India. For businesses it opens up three key payment methods: UPI, bank cards and e-wallets.
Payment methods
- UPI, instant transfers by ID or QR, the most widely used digital payment method in the country;
- Cards, debit and credit;
- E-wallets.
The focus on UPI makes the service convenient for merchants whose customers pay by smartphone: payment takes seconds and needs no card details.
How the aggregator works
A payment aggregator onboards sellers under its own bank agreements. The shop does not need a separate merchant account, and every method comes through one integration, which shortens launch time for young projects.
Legal entity
The operator is PhonePe Limited.
What to check
There is no public pricing or integration overview. Before launch, ask for UPI and card rates, the payout schedule and the list of supported platforms and SDKs for web and mobile apps.
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