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Gabriel Sanchez
Gabriel Sanchez

BharatPe for Merchants: How to Get Low-Interest Loans and High-Interest Savings with the App

BharatPe for Merchants: A Comprehensive Payment App for Indian Offline Sellers

If you are a seller or a shop owner in India who doesn't operate online, you might be looking for a simple and convenient way to accept payments from your customers. You might also be interested in getting loans to grow your business or earning interest on your earnings. If so, you might want to check out BharatPe for Merchants, a free finance mobile app that claims to offer all these features and more. But what is BharatPe for Merchants and how does it work? Is it really worth using or are there better alternatives? In this article, we will answer these questions and more.

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What is BharatPe for Merchants?

BharatPe for Merchants is a mobile app developed by BharatPe, an Indian fintech company that specializes in UPI (Unified Payments Interface) payments and digital money-lending for merchants. It aims to make payment acceptance simple by offering merchants a single interface for all UPI apps. Here are some of the main features of BharatPe for Merchants:

A free app that lets you accept UPI and card payments from any app without any fees

With BharatPe for Merchants, you can accept payments from any UPI app such as Google Pay, PhonePe, Paytm, BHIM, Amazon UPI, and more without paying any transaction fees. You can also accept credit and debit card payments without any charges using the BharatSwipe machine. You can withdraw your money instantly and transfer it directly to your bank account.

A single QR code that enables you to accept payments from over 150 UPI apps

BharatPe for Merchants provides you with a unique QR code that you can display at your shop or share with your customers via WhatsApp or SMS. Your customers can scan this QR code using any UPI app and pay you instantly. You don't need to have multiple QR codes or accounts for different apps.

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A business platform that lets you take loans, earn interest, and pay bills

BharatPe for Merchants also helps you grow your business by offering you loans at competitive low interest rates with no collateral or guarantees required. You can apply for loans up to Rs. 10 lakhs and repay them in easy daily installments (EDI). You can also earn up to 12% interest on your account balance by investing in BharatPe's partner banks. You can also use the app to pay your bills, such as electricity, water, gas, DTH, and more.

How to use BharatPe for Merchants?

Using BharatPe for Merchants is easy and hassle-free. Here are the steps you need to follow:

Download the app from Google Play or APK file

You can download the BharatPe for Merchants app from Google Play Store or from the official website of BharatPe. You can also download the APK file from third-party sources, but make sure you trust the source and scan the file for viruses before installing it.

Register your business details and bank account

Once you have installed the app, you need to register your business details, such as your name, phone number, shop name, address, GST number, etc. You also need to link your bank account where you want to receive your payments. You can link any bank account that supports UPI transactions.

Scan the QR code or use the BharatSwipe machine to accept payments

After registering your details, you will get a QR code that you can print or display at your shop. You can also order a BharatSwipe machine from the app for a nominal fee. To accept payments, you just need to scan the QR code or swipe the card using the BharatSwipe machine. The payment will be credited to your account instantly.

Track your transactions and balance via SMS and notifications

You can track your transactions and balance via SMS and notifications on your phone. You can also view your transaction history and statements on the app. You can filter your transactions by date, amount, mode, status, etc.

Apply for loans or invest your earnings via the app

If you need a loan to expand your business or meet any urgent expenses, you can apply for one via the app. You just need to enter the amount you need and choose the repayment tenure. You will get an instant approval based on your transaction history and credit score. You can also invest your earnings in BharatPe's partner banks and earn interest on your balance.

What are the benefits of BharatPe for Merchants?

BharatPe for Merchants offers several benefits for offline sellers in India. Here are some of them:

Zero-fee payment acceptance from any UPI app

BharatPe for Merchants lets you accept payments from any UPI app without charging any fees. This means you can save money on transaction charges and increase your profit margin. You can also accept card payments without any fees using the BharatSwipe machine.

Low-interest loans with easy daily installments

BharatPe for Merchants provides you with low-interest loans that you can repay in easy daily installments (EDI). You don't need to provide any collateral or guarantees to get a loan. You can get a loan up to Rs. 10 lakhs based on your transaction history and credit score.

Up to 12% interest on your account balance

BharatPe for Merchants also lets you earn interest on your account balance by investing it in BharatPe's partner banks. You can earn up to 12% interest per annum on your balance, which is higher than most savings accounts or fixed deposits.

Seamless integration with BharatSwipe machine

BharatPe for Merchants also integrates seamlessly with the BharatSwipe machine, which is a portable device that lets you accept card payments without any internet connection or power supply. The BharatSwipe machine works with any smartphone and any bank account. It is also secure and compliant with RBI norms.

What are the drawbacks of BharatPe for Merchants?

BharatPe for Merchants is not without its drawbacks. Here are some of them:

Transactions tend to fail or get delayed

BharatPe for Merchants relies on UPI transactions, which are sometimes prone to failures or delays due to network issues or technical glitches. This can cause inconvenience and frustration for both merchants and customers. Sometimes, transactions may also get stuck or reversed due to unknown reasons.

BharatSwipe machine doesn't work properly or gets damaged

The BharatSwipe machine is a delicate device that may not work properly if it is not handled with care or maintained well. It may also get damaged due to wear and tear or accidental mishaps. In such cases, merchants may have to pay for the repair or replacement of the device.

Customer support is unreliable or unresponsive

BharatPe for Merchants also suffers from poor customer support, which is often unresponsive or unhelpful. Many merchants have complained about not getting timely or satisfactory solutions to their queries or issues. Some have also reported rude or abusive behavior from the customer care executives.


BharatPe for Merchants is a comprehensive payment app for Indian offline sellers that offers several features and benefits, such as zero-fee payment acceptance, low-interest loans, high-interest earnings, and seamless integration with BharatSwipe machine. However, it also has some drawbacks, such as transaction failures, device malfunctions, and customer support issues. Therefore, merchants should weigh the pros and cons of using BharatPe for Merchants before deciding to use it for their business.


Here are some of the frequently asked questions about BharatPe for Merchants:

Q: Is BharatPe for Merchants safe and secure?

A: BharatPe for Merchants is safe and secure as it uses UPI transactions, which are encrypted and authenticated by the banks. It also complies with the RBI norms and regulations for digital payments. However, merchants should be careful not to share their QR code or bank details with anyone and report any suspicious activity to the customer care.

Q: How can I get a BharatSwipe machine?

A: You can order a BharatSwipe machine from the BharatPe for Merchants app by paying a nominal fee of Rs. 499. You will get the device


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