BharatPe for Merchants

Contains ads
546K reviews
Content rating
Rated for 3+
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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
Jun 4, 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 4 others
This app may collect these data types
Location, Personal info and 8 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

544K reviews
Prasanna Mohan
March 12, 2021
The app works really good and provided many features and benefits. I'm using it since 1 year and they enhanced the UI and brought up many features. All good except an issue which I'm facing recently. When I'm trying to pay my electricity bill, after providing the Service number and pressing continue, I see a white screen popping up and it never loads. I'm unable to go back as well and have to close and reopen. Request you to have a look on this!!!
3,366 people found this review helpful
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March 13, 2021
Hello! Greetings from BharatPe. Sorry for any trouble. We would request you to email us a short error video at mentioning your registered mobile number & 'Social Media Issue' in the subject line. We will be happy to assist you and resolve your concern at the earliest.
Vodapalli Mahender
July 18, 2022
I have been using the app for a long time. For the previous version, I gave 5 stars, but for this version it is only one. The interface is very difficult to understand. I can't find where the payments made to me are and if they have been transferred to my bank. It should be on the home page. The app is also very slow. On every page it says - Please wait without payment showing during checkout. Disappointed with this,The loan arrangement charges are also high
3,525 people found this review helpful
Did you find this helpful?
July 18, 2022
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
A Google user
January 10, 2020
This is a very dangerous payment app. It has a lot of errors. First the payment settlements are not instant. Though there is an option for instant settlement but that doesn't work. It takes 1-3 days to receive the money. The investment account is the wrost. I invested 20000. But afer few days the investment page is showing blank even after refreshing again and again. The customer service is just for show. They won't help you. I tried to reach them but no luck. So use this app at your own risk.
1,698 people found this review helpful
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January 10, 2020
Sorry for any trouble. We would request you drop a line at along with your registered mobile number mentioning \"SOM ISSUE\" in the subject line. We will be more than happy to assist you and resolve your concern at the earliest. We appreciate your patience.  

What's new

Performance improvements and bug fixes.