BharatPe for Merchants

Contains ads
410K reviews
Content rating
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About this app

Introducing BharatPe
BharatPe is a comprehensive payment app allowing you to accept UPI and card payments from any app. A single QR code enables merchants to seamlessly accept payments from Google Pay, PhonePe, Paytm, BHIM, Amazon UPI, and over 150 other banking apps. BharatSwipe supports both debit and credit card payments. Over 7 million merchants rely on BharatPe for their payment solutions. Invest your earnings to earn up to 12% annual interest and obtain loans to grow your business at competitive low interest rates.

Accept all Types of Payment
BharatPe enables you to accept payments from all major UPI apps like Paytm, PhonePe, and Google Pay without any fees. Additionally, customers can pay through multiple modes like Bank Account, RuPay Credit card and Wallet etc.
You can also withdraw money instantly and transfer it directly to your bank account.
Business Loans Made Easy
Expand your business with BharatPe's low-interest loans and a hassle-free, 100% online application process that requires no paperwork, collateral, or guarantees. Repay your loan effortlessly through Easy Daily Installments (EDI).

Loan Repayment Terms:
Repay in Easy Daily Installments (EDI).
Loan Tenure: 3 months to 15 months
Minimum Tenure: 3 months
Maximum Tenure: 15 months

Interest Rate - Annual Percentage Rate (APR):
APR is communicated on the BharatPe App while taking a loan.
Ranges from 21% - 30%
Minimum APR: 21%
Maximum APR: 30%
Amount: Rs. 10,000 to Rs. 10,00,000
Processing fees: 0% to 2%

An example:
Loan Amount: Rs. 1,00,000
Tenure: 6 months
Interest Rate (APR): 24% per year
Repayment Amount: Rs. 1,12,000
Total Interest Payable: Rs. 100,000 x 24%/12*6 (6 months) = Rs. 12,000
Processing Fees (incl. GST): Rs. 2,000
Disbursed Amount: Rs. 100,000 (Loan Amount) - Rs. 2,000 (Processing Fees) = Rs. 98,000
Total Amount Payable: Rs. 1,12,000 (EDI of 722)
Total Cost of the Loan: Interest Amount + Processing Fees = Rs. 12,000 + Rs. 2,000 = Rs. 14,000

NBFC partners:
Loans are offered in collaboration with RBI-approved NBFCs, such as LendenClub (Innofin Solutions Private Limited), Liquiloans (NDX P2P Private Limited), Trillions (TRILLIONLOANS FINTECH PRIVATE LIMITED), ABFL (Aditya Birla Finance Limited), and Arthmate (Mamta Financing India Private Limited). The NBFC's sanction letter is displayed in the app and shared as a notification.

Earn up to 12%
Enjoy up to 12% interest on your BharatPe account balance, credited daily. Add funds or request withdrawals at your convenience, knowing your money is securely invested with our RBI-approved NBFC partners.

In accordance with National Payments Corporation of India (NPCI) regulations, SIM binding (Send and Receive SMS) is required from the user's device to authenticate and authorize UPI payments. Additional permissions, such as Location and Contacts, are necessary to create your credit profile and provide loan offers. To review our privacy policy, please visit: Privacy Policy - BharatPe
Please note that BharatPe is the brand name of the application launched by Resillient Innovations Private Limited. BharatPe is our developer name.
Contact Information:
Home - BharatPe
Head Office:
Resilient Innovations Private Limited
Address: 7th and 12th Floor, Building No. 8 Block-C, Cyber City DLF City
Phase 2 Road, Gurugram, Haryana, 122008.
Updated on
Feb 12, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Location, Personal info and 5 others
This app may collect these data types
Location, Personal info and 8 others
Data is encrypted in transit
Data can’t be deleted

Ratings and reviews

408K reviews
Aniket Khasnobis
February 24, 2024
Bharatpe needs to introduce multi device login like other upi apps, one single login and that too with sim card in it causes a lot of problems. Specially when you're running a shop you require multi device, now everytime there is a payment my staff have to call me to confirm. The whatsapp notification feature sometimes works properly and sometimes doesn't.
February 24, 2024
Hi Aniket, we're always looking to improve your experience. Any specific incident we can look into for you? Let us know by reaching out to us at mentioning your registered mobile number & 'Social Media Issue' in the subject line.
amit kumar
February 21, 2024
Most useless app now days. I have using this more than 2 years. My experience was good. But from last 1 month its undergo from a upgradation. This is really annoying. I have cashback in my account which i can't use. Don't install it. Totally useless.
February 21, 2024
This shouldn't have happened, Amit. Please drop us a mail at mentioning your registered mobile number and concern.
Tahir kaif
January 9, 2024
My device is temporarily blocked for unknown reason, and the Issue not resolved even after multiple tickets raised.. all tickets closed without resolution. It's been a long time since more than 2 months. I have uploaded all required documents multiple times but no solution made. Worst ever experience
15 people found this review helpful
January 9, 2024
This is certainly not the kind of experience we'd like you to have, Tahir. Kindly brief us on the concern at mentioning your registered mobile number.

What's new

Performance improvements and bug fixes.

App support