0pay.in questions, answered.
Answers to 30 questions business owners ask about UPI, Tap to Pay, payment links, EMI, subscriptions, settlement and security, grouped by topic with a short video for each. Anything else, our team answers on the call.
Get started freeGetting started with 0pay.in
Signing up, KYC and the phones and businesses 0pay.in works for.
What do I need to sign up for 0pay.in?
Your mobile number, business PAN and bank account details for KYC. Our team tells you exactly what your business type needs.
How long does it take to start accepting payments?
You can sign up with just your mobile number. How long KYC takes depends on your business type and documents, and our team tells you what to expect on the call.
Can I use 0pay.in on Android, iPhone and the web?
Yes. The same account and the same payments show on Android, iPhone and the web.
Do I need a website to use 0pay.in?
No. You can take payments at the counter and send payment links without a website. If you have one, the hosted checkout adds online payments to it.
Which businesses can use 0pay.in?
Shops and retail counters, e-commerce and D2C brands, B2B and SaaS companies, schools and coaching classes, clinics and pharmacies, and any business with monthly fees or subscriptions. If you are not sure, our team checks for you.
Is there a setup fee?
Our team shares your full pricing, including any one-time charges, on the call before you start. There is no POS machine to buy or rent.
Taking payments in store and online
UPI, Tap to Pay, cards, payment links and receipts.
Do I still need a POS machine?
No. Tap to Pay works on supported NFC phones, and you can also enter card details, show a UPI QR or send a payment link. There is no machine to rent or maintain.
Which payment methods can my customers use?
UPI (by QR, a request to their UPI ID, or their UPI app), debit and credit cards, card EMI, wallets, net banking, payment links and subscriptions.
Which phones support Tap to Pay on 0pay.in?
Tap to Pay needs a phone with NFC. Our team confirms whether your phone is supported on the call.
Can I accept UPI payments without a printed QR standee?
Yes. Show the UPI QR on your phone screen, or send a payment request straight to the customer's UPI ID.
How do customers get a receipt?
Every receipt goes to the customer by SMS or email and is saved in the app, so there are no paper rolls.
How do payment links work?
Type the customer's name and their mobile number or email ID. 0pay.in sends the link, the customer pays by UPI, card, wallet or net banking, and you see it the moment it is paid.
Card EMI and subscriptions
Monthly payments for big bills and regular fees.
Can I offer EMI and subscriptions in my store?
Yes. Card EMI and subscriptions work for in-store customers as well as online, from the same app.
Who sets the EMI interest and tenures?
The customer's card issuer sets the interest, eligibility and available months. The customer sees the monthly amounts before they confirm.
How do subscriptions and UPI AutoPay work?
You create a monthly plan. The customer approves a UPI AutoPay or card mandate once, and each month is collected for you. Every month's status shows in the app.
Can a customer stop a UPI AutoPay mandate?
Yes. Customers can manage or cancel their UPI AutoPay mandates from their own UPI app.
Settlement, charges and refunds
Where your money goes and how you track it.
How and when do I get my money?
Payments are processed by RBI-authorised payment aggregators and settled to your bank account. The app shows each settlement and the date it reaches you.
What are the charges?
Pricing depends on the payment method and your business category. Our team shares your pricing on the call, before you start.
Can I refund a payment?
Yes. Open the payment in the app and tap Refund. It then shows in your list and reports.
Where can I see all my payments?
Counter, payment link and website payments land in one list in the app. You can filter them by status or method and see reports by day, week or month.
What happens if a customer's payment fails?
The app shows the payment's status, and the customer can try again or pay another way, for example by UPI instead of a card.
Online payments for your website and app
The hosted checkout and what you need to set it up.
Can I accept payments on my website?
Yes. The 0pay.in hosted checkout accepts UPI, cards, EMI, wallets and net banking on your website or app.
Does the checkout work on mobile?
Yes. The hosted checkout works on desktop and mobile browsers, and in your app.
Do I need a developer?
Adding checkout to a website needs a developer. Payment links and subscriptions need no code at all.
Security and fraud protection
How payments are protected and how to stay safe.
Who processes my payments?
Payments on 0pay.in are processed and settled through multiple RBI-authorised payment aggregator partners, straight to your bank account.
Will 0pay.in ever ask for my OTP or PIN?
No. No one from 0pay.in needs your OTP, PIN or password. Treat any call or message asking for one as fraud.
How do I avoid payment fraud at my counter?
Check the amount before the customer pays, and confirm each payment in the app rather than trusting a screenshot. The Security page has more tips.
0ai, your payments assistant
Ask about your money in plain words.
What is 0ai?
0ai is the assistant inside 0pay.in. It summarises your transactions, creates and sends payment links, starts a collection and answers questions about any payment.
What can I ask 0ai?
For example: "How much did I collect today?", "Which payments are pending this week?" or "Send Priya a link for 2,500 rupees."
Which data does 0ai use?
0ai works with the payments in your own 0pay.in account.
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