🛡️ TRUSTED BY 1,000+ INDIAN MERCHANTS

Aap business sambhaliye,
payments ka tension iPayso sambhalega.

Manage udhaar, track payments, send automated WhatsApp reminders and create 0% fee UPI payment requests – all in one place.

+ Create Payment Request View Digital Khata

0% Transaction Fee

Keep 100% of your earnings. Zero hidden commissions.

WhatsApp Reminders

1-tap payment QR sent on WhatsApp for 3x faster recovery.

Instant Bank Credit

Direct UPI settlement straight to your bank account.

AR Residency

Payment Request for Rahul Sharma

₹2000

Scan using GPay, PhonePe, or Paytm

Share via message

Hello Rahul Sharma,
This is your pending bill of ₹2000 for AR Residency.
Please scan the QR code to pay.

RRahul Sharma

THE BIG MSME CHALLENGE

Solving the Big Problem of MSMEs Across India

Indian merchants don't just need another payment app. They need an automated system to recover overdue credit and protect cash flow.

15+ Hours Saved Monthly

Save Time & Labor

Eliminate hours spent writing pen-paper ledgers, searching old notebook pages, and manually dialing debtors every evening.

0% Manual Pen-Paper Errors

3x Faster Receivables

Accelerate Cash Flow

Get paid instantly by sharing pre-filled 1-tap UPI payment QR with embedded bill amounts directly on WhatsApp.

3x Faster Payment Management

Automated Reminders

Zero Awkward Calls

Polite, automated WhatsApp SMS reminders eliminate embarrassing money conversations and maintain healthy buyer trust.

100% Relationship Safe

Full Peace of Mind

Focus 100% on Growth

With your udhaar collections automated by iPayso, focus your full energy on sourcing inventory and scaling your sales.

100% Business Expansion

✓

Active Solution Feature

Save Time & Labor — 0% Manual Pen-Paper Errors

Try Interactive Simulator

TRUSTED BY 1,000+ INDIAN MERCHANTS

Send Payment QR Code.

Share custom payment QR codes and automated WhatsApp reminders with your customers for 3x faster settlements.

INSTANT REMINDER BUILDER

Create Payment QR & Reminder

Customer / Business Name

Pending Amount (₹)

Invoice / Order Description

Payments Ka Tension Khatam:

Customers receive your polite WhatsApp reminder, scan the pre-filled UPI QR code, and pay instantly via Google Pay, PhonePe, or Paytm with 0% fee.

Sharma Enterprises

online • WhatsApp Business Preview

Namaste Sharma Enterprises ji 🙏,
Your pending payment for "Invoice #INV-2026-088 Supply" is ₹8,500.

Please pay instantly using any UPI App (GPay, PhonePe, Paytm) by scanning the QR code below:

UPI: ipayso.merchant@upi

10:42 AM✔✔

Book A Demo

⚡

iPayso Universal UPI

Accept instant UPI payments directly into your bank account with zero gateway commission. Supported across all major Indian banking & payment applications.

Paytm

iPayso Dynamic QR

BHIM

amazonpay

CRED

⚡ 100% Zero Payment Gateway Fee • Instant UPI Direct Bank Settlement

⚖️

The Smart Upgrade

Paper Notebook / Register vs. iPayso Digital Khata

Discover why over 1,000+ Kirana merchants & Indian MSMEs are discarding physical registers for automated payment recovery.

The Old Way

Paper Notebook / Register

Paper Ledger Register

रमेश स्टोर (उधार)₹4,500 ❌

सुरेश शर्मा₹12,800 (Overdue)

2+ Hours Daily Writing: Manual page entry every evening.

Awkward Reminders: In-person visits strain buyer relationships.

Permanent Debt Loss: Misplaced notebook = money lost forever.

RECOMMENDED FOR MSMEs

Modern Solution

iPayso Digital Khata

iPayso

0% FEE UPI

Total Cash Recovered

₹1,45,000

✓ 3x Faster

WhatsApp 1-Tap QR Active

5-Second Entry: 1-tap fast logging saves 15+ hrs/mo.

Automated WhatsApp UPI QR: Polite SMS with 1-tap settlement.

256-Bit Cloud Security: 100% data privacy; access anywhere.

2+ Hours Daily Manual Writing

Flipping through paper pages, writing names, dates, amounts with pen every evening.

1-Tap Entry

Instant digital logging with auto-calculated customer balances & category tags.

Awkward Calls & In-Person Visits

Asking for money verbally causes embarrassment and strains customer relationships.

Automated WhatsApp Reminders

Polite automatic SMS & WhatsApp reminders with embedded 1-tap UPI payment QR.

Torn Pages, Water & Fire Risk

If notebook is misplaced, wet, or damaged, all credit records are lost permanently.

256-Bit Encrypted Cloud Vault

Automatic daily cloud backup. Access your digital khata anytime on any mobile device.

Cash-Only or Physical Visits

Customers delay payment by 45+ days because they must visit the shop with cash.

Direct UPI & 0% Gateway Charge

Collect payments directly via PhonePe, GPay, Paytm, BHIM & QR code with 0% fee.

Manual Page Totals for Hours

Adding up paper columns manually leads to calculation mistakes and accounting stress.

1-Click Financial & P&L PDF Statements

Download instant customer statements, P&L reports, and tax summary PDFs.

Discard paper notebooks & recover payments 3x faster today!

100% Free Forever • 0% Transaction Commission • Daily Cloud Backup

Start Free Digital Khata

💬 MERCHANT STORIES

Loved by 1,000+ Indian Storekeepers

Real feedback from local Kirana store owners, wholesalers, and MSMEs across India. Hover to pause any review.

4.8

Verified Merchant

"Pehle har mahine ₹15,000–20,000 ka udhaar phasa rehta tha aur phone maangne me sharam aati thi. Ab iPayso 1-click WhatsApp QR se 3 din me settlement ho jaata hai!"

Gupta Ji

Gupta Kirana Store • Karol Bagh, Delhi

4.7

Verified Merchant

"Paper notebook me likhna bilkul band kar diya. Auto WhatsApp SMS reminders se customer turant GPay/Paytm se bina kisi delay ke pay kar dete hain."

Ramesh Singh

Singh Wholesale Agency • Kanpur, Uttar Pradesh

4.9

Verified Merchant

"The best part is dynamic UPI QR code with zero transaction charges. Exact bill amount QR me encoded rehta hai, wrong payment ka koi tension nahi!"

Mohd. Azhar

Azhar Hardware Traders • Jaipur, Rajasthan

4.6

Verified Merchant

"Our cash recovery cycle dropped from 45 days down to just 3 days! WhatsApp payment QR is extremely polite, respectful, and 100% effective."

Priya Sundaram

Sundaram Garment House • Madurai, Tamil Nadu

5.0

Verified Merchant

" 1-tap UPI collection QR is a complete game-changer for our B2B electronics wholesale business!"

Sanjay Patel

Patel Electronics & Mobiles • Ahmedabad, Gujarat

4.8

Verified Merchant

"Pehle har mahine ₹15,000–20,000 ka udhaar phasa rehta tha aur phone maangne me sharam aati thi. Ab iPayso 1-click WhatsApp QR se 3 din me settlement ho jaata hai!"

Gupta Ji

Gupta Kirana Store • Karol Bagh, Delhi

4.7

Verified Merchant

"Paper notebook me likhna bilkul band kar diya. Auto WhatsApp SMS reminders se customer turant GPay/Paytm se bina kisi delay ke pay kar dete hain."

Ramesh Singh

Singh Wholesale Agency • Kanpur, Uttar Pradesh

4.9

Verified Merchant

"The best part is dynamic UPI QR code with zero transaction charges. Exact bill amount QR me encoded rehta hai, wrong payment ka koi tension nahi!"

Mohd. Azhar

Azhar Hardware Traders • Jaipur, Rajasthan

4.6

Verified Merchant

"Our cash recovery cycle dropped from 45 days down to just 3 days! WhatsApp payment QR is extremely polite, respectful, and 100% effective."

Priya Sundaram

Sundaram Garment House • Madurai, Tamil Nadu

5.0

Verified Merchant

" 1-tap UPI collection QR is a complete game-changer for our B2B electronics wholesale business!"

Sanjay Patel

Patel Electronics & Mobiles • Ahmedabad, Gujarat

4.8

Verified Merchant

"Daily auto cloud backup means no fear of register tearing or lost credit entries. 100% safe, private, and accessible from any smartphone."

Vikram Deshmukh

Deshmukh Pharma & Chemists • Pune, Maharashtra

4.5

Verified Merchant

"Party orders ka token udhaar tracking itna simple pehle kabhi nahi tha. iPayso saves me 2 hours every evening!"

Harpreet Singh

Singh Sweets & Caterers • Amritsar, Punjab

4.9

Verified Merchant

"iPayso makes logging daily transactions effortless after a long 14-hour shop day. Super simple interface for Kirana owners."

Rajesh Agarwal

Agarwal General Store • Lucknow, Uttar Pradesh

4.7

Verified Merchant

"Customer bill payment history and instant PDF receipts have saved us 20+ hours every month during tax filings."

Deepak Sharma

Sharma Auto Electricals • Indore, Madhya Pradesh

5.0

Verified Merchant

"Zero hidden fees with direct instant bank settlement. iPayso is hands down the most reliable digital khata app in India."

Ananya Roy

Roy Stationery & Books • Kolkata, West Bengal

4.8

Verified Merchant

"Daily auto cloud backup means no fear of register tearing or lost credit entries. 100% safe, private, and accessible from any smartphone."

Vikram Deshmukh

Deshmukh Pharma & Chemists • Pune, Maharashtra

4.5

Verified Merchant

"Party orders ka token udhaar tracking itna simple pehle kabhi nahi tha. iPayso saves me 2 hours every evening!"

Harpreet Singh

Singh Sweets & Caterers • Amritsar, Punjab

4.9

Verified Merchant

"iPayso makes logging daily transactions effortless after a long 14-hour shop day. Super simple interface for Kirana owners."

Rajesh Agarwal

Agarwal General Store • Lucknow, Uttar Pradesh

4.7

Verified Merchant

"Customer bill payment history and instant PDF receipts have saved us 20+ hours every month during tax filings."

Deepak Sharma

Sharma Auto Electricals • Indore, Madhya Pradesh

5.0

Verified Merchant

"Zero hidden fees with direct instant bank settlement. iPayso is hands down the most reliable digital khata app in India."

Ananya Roy

Roy Stationery & Books • Kolkata, West Bengal

4.8

Verified

"Pehle har mahine ₹15,000–20,000 ka udhaar phasa rehta tha aur phone maangne me sharam aati thi. Ab iPayso 1-click WhatsApp QR se 3 din me settlement ho jaata hai!"

Gupta Ji

Gupta Kirana Store • Karol Bagh, Delhi

4.7

Verified

"Paper notebook me likhna bilkul band kar diya. Auto WhatsApp SMS reminders se customer turant GPay/Paytm se bina kisi delay ke pay kar dete hain."

Ramesh Singh

Singh Wholesale Agency • Kanpur, Uttar Pradesh

4.9

Verified

"The best part is dynamic UPI QR code with zero transaction charges. Exact bill amount QR me encoded rehta hai, wrong payment ka koi tension nahi!"

Mohd. Azhar

Azhar Hardware Traders • Jaipur, Rajasthan

4.6

Verified

"Our cash recovery cycle dropped from 45 days down to just 3 days! WhatsApp payment QR is extremely polite, respectful, and 100% effective."

Priya Sundaram

Sundaram Garment House • Madurai, Tamil Nadu

5.0

Verified

" 1-tap UPI collection QR is a complete game-changer for our B2B electronics wholesale business!"

Sanjay Patel

Patel Electronics & Mobiles • Ahmedabad, Gujarat

4.8

Verified

"Daily auto cloud backup means no fear of register tearing or lost credit entries. 100% safe, private, and accessible from any smartphone."

Vikram Deshmukh

Deshmukh Pharma & Chemists • Pune, Maharashtra

4.5

Verified

"Party orders ka token udhaar tracking itna simple pehle kabhi nahi tha. iPayso saves me 2 hours every evening!"

Harpreet Singh

Singh Sweets & Caterers • Amritsar, Punjab

4.9

Verified

"iPayso makes logging daily transactions effortless after a long 14-hour shop day. Super simple interface for Kirana owners."

Rajesh Agarwal

Agarwal General Store • Lucknow, Uttar Pradesh

4.7

Verified

"Customer bill payment history and instant PDF receipts have saved us 20+ hours every month during tax filings."

Deepak Sharma

Sharma Auto Electricals • Indore, Madhya Pradesh

5.0

Verified

"Zero hidden fees with direct instant bank settlement. iPayso is hands down the most reliable digital khata app in India."

Ananya Roy

Roy Stationery & Books • Kolkata, West Bengal

📋 COMPLETE FINTECH SUITE✉️ Book a Demo

Everything You Need to Collect Payments Effortlessly

Four power tools engineered specifically for Indian Kirana store owners, wholesalers, and MSMEs.

#FEAT-01 • INSTANT GENERATION

1-Tap UPI Payment QR

Generate custom UPI payment QR pre-filled with customer bill amount & order reference.

Key Impact: 0% Human Error & Instant Settlement

Live Bill Link Generator

₹2,5000% Gateway Fee

How iPayso Simplifies Collection

Experience how iPayso automates credit collection and settlement. Click any step to test live features.

Create Payment QR

Enter customer name & due amount. iPayso generates a 1-tap UPI QR in 2 seconds.

TEST LIVE SIMULATOR

Send & Share via WhatsApp

Auto-dispatch friendly reminders with embedded dynamic UPI QR code directly on WhatsApp.

Customer Pays via UPI

Customer uses QR and pays using GPay, PhonePe, Paytm, or BHIM with 0% fee.

Track & Auto-Reconcile

Ledger status changes to "PAID" instantly with automatic daily cloud backup.

STEP 01 DEMO

Create Payment QR

1. Customize Merchant QR Details:

Test typing different customer names and amounts to watch the dynamic UPI payment QR generate in real-time.

Customer Name

Udhar Amount (₹)

9:41 AM

iPayso Payment QR

Scan to Pay with Any UPI App

Rahul General Store

₹2450

📲

Official App Live Now

iPayso is Now Live on the Google Play Store

Download the #1 Digital Khata & Payment Management App for Indian Merchants. Empower your shop with automated WhatsApp reminders and zero-fee UPI collections.

0% Transaction Commission

100% Free Forever

Instant Bank Settlement

Trusted by 1,000+ Kirana & MSME Stores across India. ❤️

AVAILABLE FOR FREE DOWNLOAD

❓ FAQ

Frequently Asked Questions

Everything you need to know about iPayso Digital Khata & Payment Collection.

MSMEs don't just need a way to accept payments at the counter — they need a smarter way to collect pending dues. iPayso automates payment QR generation, embeds dynamic UPI QRs, and handles WhatsApp follow-ups seamlessly.

When you create a payment entry for a customer, iPayso creates a custom dynamic UPI QR code. Tapping 'Send Reminder' opens WhatsApp with a polite pre-written message containing the payment QR.

Yes! All merchant records are encrypted using bank-grade security and backed up to cloud servers. Your money goes directly to your linked UPI bank account without any middleman delays.

Yes, iPayso is live on the Google Play Store for all Android smartphones. It is lightweight, fast, and works seamlessly even on low-cost devices.

Download on Google Play

Aap business sambhaliye,payments ka tension iPayso sambhalega.

AR Residency

Solving the Big Problem of MSMEs Across India

Save Time & Labor

Accelerate Cash Flow

Zero Awkward Calls

Focus 100% on Growth

Send Payment QR Code.

Create Payment QR & Reminder

iPayso Universal UPI

Paper Notebook / Register vs. iPayso Digital Khata

Paper Notebook / Register

iPayso Digital Khata

Discard paper notebooks & recover payments 3x faster today!

Loved by 1,000+ Indian Storekeepers

Everything You Need to Collect Payments Effortlessly

1-Tap UPI Payment QR

How iPayso Simplifies Collection

Create Payment QR

Send & Share via WhatsApp

Customer Pays via UPI

Track & Auto-Reconcile

Create Payment QR

1. Customize Merchant QR Details:

iPayso is Now Live on the Google Play Store

Frequently Asked Questions

Aap business sambhaliye,
payments ka tension iPayso sambhalega.