UPI Payment Gateway · Kolkata

Accept UPI Payments in Kolkata with Zero Transaction Fees

VyaparGateway helps Kolkata businesses collect UPI payments online — using your existing BharatPe, PhonePe, or Paytm merchant account. Zero fees. Instant settlement. No KYC delays.

Start Free — No Credit Card Sign In to Dashboard
0% per-transaction fee
T+0 instant settlement
Activate in minutes
Works across all UPI apps

Why Kolkata Businesses Choose VyaparGateway

Traditional payment gateways charge 2% on every transaction. For a Kolkata business doing ₹5 lakh/month in UPI collections, that's ₹10,000 gone in fees — every single month.

Zero Transaction Fees

UPI was designed to be free. VyaparGateway keeps it that way — no MDR, no per-transaction deduction. Kolkata merchants keep every rupee their customers pay.

Instant T+0 Settlement

Money moves directly from your customer's UPI app to your bank account — no escrow, no holding period. Kolkata businesses get access to their cash immediately.

No Separate KYC

Connect via your existing BharatPe, PhonePe Business, or Paytm Business account — already KYC-verified by your bank. No new compliance hoops for your Kolkata business.

Shareable Payment Links

Generate payment links in seconds and share via WhatsApp, SMS, or email. Perfect for Kolkata businesses that sell remotely or take orders online.

Real-Time Dashboard

Track every payment, generate invoices, and monitor cash flow from a single dashboard — built for the practical needs of Kolkata's SMEs and solo traders.

Simple REST API

Developers building e-commerce or SaaS products for Kolkata clients can integrate UPI payments in hours using our clean REST API — no complex SDKs required.

How It Works for Kolkata Businesses

Three simple steps to start collecting UPI payments with no fees.

1

Connect Your UPI App

Link your existing BharatPe, PhonePe Business, or Paytm Business account. No new KYC — your existing merchant approval is all you need.

2

Create Payment Links & QR

Generate payment links for any amount, create QR codes for in-store use, or embed a payment button on your Kolkata business website.

3

Get Paid Instantly

Your customers pay via any UPI app. Money settles to your bank account in real time — zero deductions, zero delays, zero extra paperwork.

Get Started Free in Kolkata

Kolkata Businesses That Use VyaparGateway

From Kolkata's busy commercial districts to home-based ventures, VyaparGateway works for every type of business.

🛒

Retail Shops

Kirana stores, supermarkets, and specialty retailers in Kolkata use VyaparGateway to accept UPI instantly at the counter.

🍽️

Restaurants & Cafes

From street food stalls to fine dining, Kolkata's F&B businesses collect payments seamlessly with zero fees.

💊

Pharmacies & Clinics

Medical shops and healthcare providers across Kolkata trust VyaparGateway for reliable, instant payment collection.

💻

Freelancers & Agencies

Designers, developers, and marketing agencies in Kolkata invoice clients and get paid in minutes — not days.

🚗

Service Providers

Salons, repair shops, and auto services in Kolkata use payment links and QR codes without any MDR charges.

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Coaching & Education

Tuition centres and coaching institutes in Kolkata collect fees digitally with zero per-transaction cost.

VyaparGateway vs Traditional Gateways in Kolkata

See the real difference in what Kolkata businesses pay every month.

Feature
Traditional Gateway
(Razorpay / PayU / Cashfree)
VyaparGateway
UPI Transaction Fee
2% + 18% GST
0% (Flat SaaS fee)
Settlement Time
T+2 Days
Instant (T+0)
Account Activation
Days to Weeks
Minutes
KYC / Compliance
Fresh KYC required
Uses existing UPI app
Holds / Escrow
Yes
No — direct to your bank
Payment Links
Yes
Yes
Embeddable Checkout
Yes
Yes
Monthly Subscription
None (% per txn)
Flat fee, no surprises

Frequently Asked Questions — Kolkata

Common questions from Kolkata merchants about VyaparGateway.

Is VyaparGateway available for businesses in Kolkata?
Yes, VyaparGateway is fully available for all businesses in Kolkata. Any business that already has a UPI merchant account with BharatPe, PhonePe for Business, or Paytm for Business can connect and start accepting payments immediately.
What are the transaction fees for Kolkata merchants?
VyaparGateway charges zero per-transaction fees. Unlike traditional payment gateways that deduct 1.5%–2% on every UPI payment, we charge a flat monthly SaaS subscription. Your UPI transactions settle directly into your own bank account with no deductions.
How quickly can a Kolkata business get started?
If you already have an active UPI merchant app (BharatPe, PhonePe Business, or Paytm Business), you can connect VyaparGateway and start accepting payments within minutes. There is no separate KYC process and no waiting period.
How does settlement work for Kolkata merchants?
Payments settle directly into your UPI-linked bank account in real time (T+0). VyaparGateway does not hold your funds — money goes straight from your customer's UPI app to your bank account, the same way standard UPI works.
Can I generate payment links and QR codes for my Kolkata customers?
Absolutely. VyaparGateway lets you create shareable payment links, dynamic QR codes, and even embeddable payment buttons — all pointing to your own UPI merchant account. You can send links via WhatsApp, SMS, or email to customers across Kolkata.

Ready to Stop Paying 2% on Every UPI Transaction?

Join thousands of Kolkata businesses already using VyaparGateway. Start your free trial — no credit card required, no setup fees, activate in minutes.

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