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If paying you is awkward, buyers drop off, especially in December when they are buying many gifts at once. The good news: accepting payments in India is easier than ever. Here are your options, from simplest to most complete.
1. A UPI QR code
The simplest start. Most banks and UPI apps let you create a business QR code for free. Print it on your stall, add it to your packaging, or share it on WhatsApp. Buyers scan and pay from any UPI app.
- Use a business or merchant QR rather than your personal one, so payments are easier to track.
- Check each payment in your bank or UPI app before handing over goods.
2. Payment links
Payment gateways such as Razorpay, Cashfree or PayU let you create a link for any amount and send it on WhatsApp, Instagram or email. Buyers can pay by UPI, card, net banking or wallet. Gateways charge a small fee per transaction, so factor it into your price.
3. A proper checkout
If you sell from a website (WooCommerce, Shopify, Instamojo and similar), connect a gateway to get a full checkout with order emails, invoices and refunds.
4. EMI and pay-later for bigger gifts
Many gateways offer card EMI, cardless EMI and pay-later options that you can switch on. They help with higher-priced items like hampers, gadgets or courses. You usually receive the full amount; the buyer repays the lender. Check fees and who bears the interest before switching on.
Stay safe from payment scams
- Never share OTPs or your UPI PIN. You never need a PIN to receive money.
- Be wary of “I’ve sent extra, please refund the difference” messages. Check your actual balance first.
- Don’t accept screenshots as proof of payment.
- Keep a simple record of every order and payment for GST and income tax.
Handy kit for stalls
If you sell at fairs or markets, a printed QR code stand and a small receipt printer make you look professional and speed up queues.
This guide is part of our holiday series. For the bigger picture, read Your Holiday Side-Income Plan.
