BharatPe for Merchants

3.15L reviews
Content rating
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About this app

BharatPe is a payments app that allows accepting UPI and card payments from any app for FREE. It makes payment acceptance simple by offering merchants a single QR to accept payments from Google Pay, PhonePe, Paytm, BHIM, Amazon UPI, and 150+ other banking apps. You can also accept debit and credit card payments using BharatSwipe. More than 70 lakhs merchants are using BharatPe. You can invest your collections to earn up to 12% interest per annum. Moreover, you can get a loan to grow your business at a very low-interest rate as well.

Accept payments at 0% MDR
BharatPe allows you to accept payments from all UPI apps such as Paytm, PhonePe, Google Play, etc for FREE. You can also accept payments from all cards at 0% MDR using BharatSwipe. You can instantly withdraw money and transfer it directly into your bank account.

Get loans to grow your business
BharatPe provides loans at a very low interest rate and without any paperwork. It is a 100% online application process, without any security or guarantee. You can repay the loan amount through Easy Daily Installment (EDI).

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

Interest Rate - Annual Percentage Rate (APR):
Ranges from 21% - 30%. APR is communicated on the BharatPe App while taking a loan.
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 given in partnership with RBI approved NBFCs - hindon mercantile limited, LendenClub (Innofin Solutions Private Limited), Arthmate(Mamta Projects Private Limited) and Liquiloans (NDX P2P Private Limited). NBFC sanction letter is shown on the app and shared as a notification.

Earn up to 12%
You can earn up to 12% interest on your BharatPe account balance. Your interest is credited to your BharatPe account daily. You can add money or request withdrawal anytime. Your money is invested with RBI-approved NBFC partners.

BharatPe Card
BharatPe Card is a unique two-in-one card that allows a user to enjoy the benefits of both debit and credit in one card. It is FREE of cost and you will get up to 1% cashback. You can also get credit of up to Rs. 1 lakh at 0% for 30 days.

Pay bills and buy insurance
You can pay your utility bills like phone bills, electricity bills, DTH etc. and get Rs.100 off on every bill payment. We also provide shop, covid, health, life, and hospicash insurance.

India's first merchant loyalty club
BharatPe Club is India's first merchant loyalty club. You can earn benefits worth Rs. 20,000 such as free cricket merchandise, zero loan processing fees, Rs.1,000 off on BharatSwipe and Rs. 500 in BharatPe card.

As per the National Payments Corporation of India (NPCI) regulations, it is mandatory to enable SIM binding (Send and Receive SMS) from the user's device to authenticate and authorize UPI payments. We will also need to take permissions like Location and Contacts to build your credit profile to extend loan offers. You can check the privacy policy at -

Please note that BharatPe is the brand name of the application launched by Resillient Innovations Private Limited. BharatPe is our developer name.

Contact Information:
Head Office:
Resilient Innovations Private Limited
A45, Second Floor, Corner Market,
Malviya Nagar, New Delhi 110017, India
Updated on

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
3.15L reviews
Rahul kay
23 January 2023
The agent who activated the service told that after 5 transaction I will get a free speaker. Later service center said no such scheme is provided. This is a spyware too! If I don't trun on the phone location setting, it will deny to work. Not only location but precise location is required. This is unacceptable, Why this app needs to know precise location? Bharatpe I will not use you again!
23 January 2023
This shouldn't have happened Rahul. Please drop us a mail at '
Ujjwal Kachhwah
22 January 2023
Harious that you cannot change mobile number, it is such a basic feature that should've been there. And it doesn't even enhance security it just creates mess for someone like me and other whose number has changed or discontinued. For that I'll have create new account no way, changing to some other app that atleast allows phone number change via customer service.
22 January 2023
We understand the disappointment this may have caused Ujjwal. To assist you further on this, please drop us a mail at mentioning your registered mobile number.
Mohammed Shoaib
14 January 2023
Worst app every experience till now , The application is very slow and not working properly in the loan application section , There is lot more to upgrade in the software to attract customers..🤦 I hope so you guys will set it upnas fast as possible..☝️
2 people found this review helpful
14 January 2023
This is certainly not the kind of experience we'd like you to have. Kindly brief us on the concern along with the registered mobile number over