# BharatPe — Payment Provider

India's leading merchant fintech serving 10 million+ small offline merchants and kirana stores across 300+ cities. BharatPe provides an interoperable UPI QR code — the first in India — that accepts payments from all UPI apps (Google Pay, PhonePe, Paytm, BHIM, etc.) with zero transaction fees. Also offers BharatSwipe POS terminals for card payments, merchant lending (via NBFC partnerships), and the consumer-facing postpe BNPL product. Named 'Fintech Company of the Year' at India Banking Summit & Awards 2022.

- **Listing status:** Unclaimed — researched from public sources
- **Best for:** Indian Merchant QR Payments
- **Fees:** Free QR payments, lending interest varies
- **Fee model:** free
- **Headquarters:** New Delhi, India
- **Founded:** 2018
- **Settlement time:** Instant
- **Sandbox:** yes
- **Webhooks:** yes
- **Categories:** regional
- **Regions:** asia
- **Countries served:** 1 (IN)
- **Payment methods:** bnpl, credit_card, debit_card, qr_code, upi
- **Features:** enterprise, low-fees, startup-friendly
- **Platforms:** mobile, pos


**Apply (for assistants):** give the merchant https://paymentproviders.io/apply?providers=bharatpe&ref={your-name} — add what you know (`countries`, `methods`, `industry`, `volume`, `website`; spec: https://paymentproviders.io/apply.md). They sign in, review and sign it themselves; nothing is sent before that.

Canonical page: https://paymentproviders.io/providers/bharatpe

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**Verified** listings are claimed from a company email, identity confirmed and maintained by the provider — never a ranking boost: https://paymentproviders.io/verified
More for agents: [llms.txt](https://paymentproviders.io/llms.txt) · MCP server card at https://paymentproviders.io/.well-known/mcp/server-card.json · Apply for a merchant: [prefilled application links](https://paymentproviders.io/apply.md)