Step 1: Start with a UPI QR
Every UPI app can give you a QR code or a UPI ID to receive money. Print it and keep it at your counter. Make one free in a few taps with our UPI QR standee maker. Some apps also have a separate business QR. Ask your bank or app what they offer for shops.
Step 2: Send payment links for orders
If customers order by WhatsApp or Instagram, you can send a payment link. Payment gateways such as Razorpay and Cashfree let you create a link, send it to the customer and see when it is paid. The customer can then pay by UPI, card or net banking.
Step 3: Use a payment gateway on your website
If you sell on your own website, a gateway adds a checkout so people can pay on the page. To open a gateway account, you complete KYC on your own account. That usually means your PAN, address proof, bank account proof and, if you have one, a GST number. A sole proprietor or individual can often use a personal savings account. A partnership or company needs a current account in its own name. The name on your PAN and your bank account must match exactly, or the application can be rejected. Each gateway lists exactly what it needs on its own site.
Step 4: Know the costs
Gateways charge a fee on each payment, and the fee can differ by payment method. Rates change, so read the current pricing on the gateway's own website before you choose. Ask your bank or UPI app about any fee for receiving money.
Step 5: Give a bill or receipt
Give every customer a bill or a payment message. It avoids arguments and helps you keep track of your sales. You can make simple bills and quotations free with our bill maker.
Step 6: Stay safe from payment fraud
You enter your UPI PIN only to send money, never to receive it. If someone asks you to enter your PIN, scan a QR or approve a request "to get money", stop. Never share an OTP or PIN with anyone. Check that the money is in your account before you hand over the goods.
Want a gateway connected to your site?
We help you set up Razorpay or Cashfree on your own account. You do the KYC, we guide you and connect it to your website.
Online payments setup: ₹2,999 + 18% GSTQuestions people ask
Do I need a website to accept payments?
No. A UPI QR at your counter, or a payment link sent on WhatsApp, works without a website.
Who does the KYC for a payment gateway?
You do, on your own account. Each gateway lists what it needs. With our setup service, we guide you through it and connect the gateway to your site.
Is the money paid to FirmGenie?
No. With our setup, the gateway account is yours and payments go to your own bank account.
What should I check before choosing a gateway?
Check its fees, what documents it needs, how fast it pays out to your bank, and how good its support is. Read all of this on the gateway's own website.
What to do next
This is one step in a longer path. See Start a business: what to do next for all seven steps, from testing your idea to your first customers.
This guide is general information, not legal, tax or financial advice. Prices are + 18% GST. FirmGenie does not file trademarks or register companies.