PhonePe Business: Merchant App v25.11.19.0
PhonePe
About this app
Developer Description
Digital Payments, QR Code Payments, Smart Speaker, Instant Business Loan
Once your account is activated, you can instantly download the payment QR sticker & start accepting digital payments at your store. You can also order free QR stickers & have them delivered to your store, across India.
Key Benefits of PhonePe Business App
Easy payment acceptance:
Use the PhonePe QR to accept payments from all BHIM UPI apps. The PhonePe QR also supports other payment modes like Credit & Debit Card & Wallets.
Get instant help:
Resolve queries using our user-friendly Chat Bot in the Help section. You can also reach out to our helpdesk on the PhonePe Business app.
Direct settlement into your bank account:
Money is transferred safely & directly into your bank account instantly or next morning. You can also use our ‘SettleNow’ feature to receive money in your bank account any time during the day.
Real-time transactions & payments tracking:
Check your transactions & settlements easily in the History section on the PhonePe Business app.
Get Instant Loan for Merchants:
The PhonePe Business app provides online loans to MSMEs. Get a loan on PhonePe & move a step closer to growing your business.
Merchant Loan Highlights:
- Attractive interest rates with up to 30 months tenure
- Instant digital loan with 0 paperwork
- Online loans from INR 50,000 to INR 5,00,000
- Easy repayment option with EDI - Easy Daily Installments
- EDIs deducted from daily transactions collected via customer payments on PhonePe
- 100% trustworthy loans, offered by RBI-regulated PhonePe lending partners authorized to offer credit products
- Multiple lenders & option to select the best offering at competitive interest rates
- Low processing fees & no other hidden charges
- Daily updates about your Loan on the PhonePe Business app
- Option to foreclose Loan any time
Online Loan Eligibility:
The eligibility criteria for business loans for merchants are:
Accept payments on PhonePe QR for more than INR 15,000 per month
Be an active merchant, accepting payments on PhonePe QR for 3 months or more
*Merchant loans are offered at the discretion of our lending partners & the criteria above may change on a case-by-case basis
Documents required:
Details to be shared are as follows:
- Date of Birth
- PAN
- Aadhaar Number
*Business or Bank account details are NOT needed for loans up to INR 5 lakhs; may change as per our lender policies.
Steps to avail:
- Choose loan value & interest rate
- Enter details such as Date of Birth, PAN, & Aadhaar Number
- Click a selfie, & complete KYC digitally
- Set-up Auto-pay on your account
More about the loan offerings:
- Min. Tenure: 3 months
- Max. Tenure: 30 months
- Max. rate of interest charged: 30% flat p.a.
Example: For total cost of the Loan, including the principal amount & all applicable fees:
- Principal loan amount: Rs. 15,000
- Flat Interest Rate: 18% p.a.
- Processing Fees: 2%
- Tenure: 3 months
Then,
- Total interest amount payable: Rs. 675
- Total processing fee amount payable: Rs. 300
- Total cost to the user: Rs. 15,975
Our RBI registered NBFCs partners
- Innofin Solutions Pvt Ltd
- Aditya Birla Finance Limited
- PayU Finance India Private Limited
Upgrade customer payment experience at your store with PhonePe’s payment devices.
PhonePe POS Device:
Place an order for your POS Device on the app & accept payments via UPI, Debit & Credit Card, Wallet, & other modes. Pay nominal monthly rental & enjoy industry-leading MDR rates. Learn about charges on the App.
PhonePe Smart Speaker:
Order a SmartSpeaker on the app, install it at your store & get instant payment notifications in select regional languages. Surprise customers with payment alerts in the voice of celebrities.
What's New
Version Information
- Version
- 25.11.19.0
- Downloads
- 50M+
- Updated on
- Jan 16, 2026
- Released
- Jan 17, 2026
- Requires
- Android 7.0
Statistics
Google Play Rating History
Rating Distribution
Downloads Over Time
PhonePe Business: Merchant App has been downloaded times. Over the past 30 days, it averaged downloads per day.
Shaded area shows 30-day prediction based on historical trends
Historical data collection started recently. More data points will be available over time.
PhonePe Business: Merchant App - Google Play Rankings
Top Rankings
| Rank | Country | Category | List | Change |
|---|---|---|---|---|
| — |
Ranking History in
No ranking data available yet. Rankings are updated daily.
#24 in Top Free Finance in India
PhonePe Business: Merchant App users say on Google Play
Bhole Yadav
Very nice phonepe business aap
Gopal Makwana
Nice App, but also add a feature that shows the details about soundbox like, signal status, battery percentage.
Royal Villa
so many times logout
Vaibhav Jadhav
I don't like your service please refund my money
Hemanta Sethi
very very bad experience,my merchant account was disable after 2 days working and I have paid charges Rs 1000,they disable my account for store images verification,I have uploaded the images so many times but they didn't activate my account it's been one month,when I contacted merchant customer care they only gave excuse repeatedly from one month. customer support are very unhelpful, very worst service. unnecessary my account disabled. Customer team they not checked properly.
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