BharatPe 4+

India's Payment App


Designed for iPad

    • Free




BharatPe is a payments app that allows merchants to accept payments from any UPI app - PhonePe, PayTM, GooglePe, BHIM, and 150+ others with your BharatPe QR. Additionally, customers can pay through multiple modes like Bank Account, RuPay Credit card and Wallet etc on BharatPe QR.

BharatPe also offers on-demand settlement (settle money to your bank account anytime) and day-end auto settlement.
From the BharatPe app, you can order BharatSwipe card machines to accept all debit and credit cards. This comes with multiple features like a free trial period, monthly rental offer, instant payment settlement, and receipt printing for card and QR transactions.
You can invest your collections to earn up to 12% interest per annum.

Get loans to grow your business

BharatPe provides loans at a very low-interest rate and without any paperwork. It is a 100% online application process, without any security or guarantee. You can repay the loan amount through Easy Daily Installment (EDI).

Repayment Terms:

Repay in Easy Daily Installments (EDI)
Loan Tenure:
2 months (minimum) to 15 months (maximum)

Interest Rate - Annual Percentage Rate (APR): Ranges from 21% - 30%.
APR is communicated on the BharatPe App while taking a loan.
Amount: Rs. 5100 to Rs. 10,00,000
Processing fees: 0% to 2%

An example:
Loan Amount: Rs. 1,00,000
Tenure: 6 months Interest Rate (APR): 24% per year
Repayment Amount: Rs. 1,12,000
Total Interest Payable: Rs. 100,000 x 24%/12*6 (6 months) = Rs. 12,000
Processing Fees (incl. GST): Rs. 2,000
Disbursed Amount: Rs. 100,000 (Loan Amount) -Rs. 2,000 (Processing Fees) = Rs. 98,000 Total Amount Payable: Rs. 1,12,000 (EDI of 722)
Total Cost of the Loan: Interest Amount + Processing Fees = Rs. 12,000 + Rs. 2,000 = Rs. 14,000
NBFC partners: Loans are given in partnership with RBI approved NBFCs - Hindon mercantile limited, LendenClub (Innofin Solutions Private Limited), Arthmate(Mamta Projects Private Limited), Liquiloans (NDX P2P Private Limited) and ABFL ( Aditya Birla Finance Limited). NBFC sanction letter is shown on the app and shared as a notification.

Earn up to 12%

You can earn up to 12% interest on your BharatPe account balance. Your interest is credited to your BharatPe account daily. You can add money or request withdrawal anytime. Your money is invested with RBI-approved NBFC partners.

India's first merchant loyalty club BharatPe Club is India's first merchant loyalty club. You can earn benefits worth Rs. 20,000 such as free cricket merchandise, zero loan processing fees, Rs.1,000 off on BharatSwipe, and Rs. 500 in a BharatPe card.


As per the National Payments Corporation of India (NPCI) regulations, it is mandatory to enable SIM binding (Send and Receive SMS) from the user's device to authenticate and authorize UPI payments. We will also need to take permissions like Location and Contacts to build your credit profile to extend loan offers. You can check the privacy policy at - Privacy Policy - BharatPe

Please note that BharatPe is the brand name of the application launched by Resilient Innovations Private Limited. BharatPe is our developer name.

Contact Information: +918882555444 Home - BharatPe
Head Office: Resilient Innovations Private Limited (BharatPe) Building No. 8 Tower C, 7th Floor, DLF Cybercity, Gurgaon-122002 Haryana, India

What’s New

Version 2.6.5

Bug Fixes and UI Improvements

Ratings and Reviews

2.6 out of 5
3.8K Ratings

3.8K Ratings

Akshay.Hyd ,

Worst possible service in the history of service

The BharatPe machine I use for my business has been showing an error message and Unusable for payment/transactions. So I tried to raise a complaint through the chat option during the end of July but after failed attempts I tried calling the customer care and registered a complaint in early August. I was told my complaint was registered. But after waiting for 10 days without any help I called again and I was told my complaint was raised to high priority. 20 days pass and No call back or no visit from the technician about the error I’ve been getting. Miraculously I get a call on August 31st from customer care and I’ve been warned that as I didn’t use my machine for any transactions in the last one month my machine will be taken away and I will be charged extra for the same. Despite me trying to explain the scenario saying the technician didn’t visit or call and the machine has been unusable the caller on the other end just replied saying ‘ that is not our problem that is your problem and your machine will have to be returned’.

I fail to see any logic in all this and I suggest anyone reading this to avoid using BharatPe and go for other merchant payment options available. And the silver lining on this being that this isn’t the first time I’ve had issues with the service using BharatPe.

All business owners beware. You wouldn’t want to get such kinds of problems in your business.

Mayank282 ,

They block all your card payments and harass you constantly to upload documents again and again

It’s been 6 days today that they’ve blocked a payment made by my customer citing the reason that the invoice copy was not uploaded. The very same day i uploaded the invoice copy. So on the next day they blocked my account entirely and asked me to resubmit all the documents most of which were already provided during the time of machine purchase. Since then i have been submitting my documents over and over again everyday but there is no positive response from their team. Their executives on call accept that yes they have received all the documents and they’ll unblock the account and release my fund, but on the app they keep delaying the estimated resolve date. Till now my account stands blocked and my payment is stuck. Their executives are clueless about how to deal with issues and need hand holding to explain basic concepts of invoicing and taxation. Please avoid their services. Go for pinelabs or paytm instead. Never faced any such issue with their machines. BHARATPE IS A SCAM

meena._ji ,

Investment issue

I am invested 1,20,000 rupees in bharat pe … And when at this time i need my money because due to some personal problems But i am not withdrawing my money.. When i call customer support team they told me always plss wait plss wait kitna wait kre koi 30 may ko account suspicious bta k block kr diya kab tak wait kre kitna time ho gya h kitna wait kre koi 1 lakh 20 thousand ki investment ko hold krke lataka diya h customer care ko call kre to wait krlo humari team apko jldi sampark kregi kitna wait kre koi yr hadh hoti h Humare paise hum he withdraw nhi kr sakte Ye 12% ka interest ka dikh k sab investment krte h uske baad ye suspicious activity krke account hold kr dete h Inhe koi fark nhi padta ki inki vjha se koi kitna pareshan ho rha h Humare paise hume he nikalne k liye inke aage piche ghumo Jo log real me scam or frauding krte h unka to kuch ho nhi sakta inse or garib admi apka paisa safe krne or interest k chkkar me isme investment krta h unka paisa block krke public ko pareshan karke kya milta h apko Apko sayad pta bhi na ho ki kitni problem hoti h aap public ko jab unke pass paise hote hue bhi vo withdraw nhi kr sakte emergency hone k baad bhi Meri apse yehi request h ki plss jldi se jldi meri problem solve krdo jisse ki me mera amount withdraw kr paau or meri problem solve ho sake🥺🥺🥺🥺

App Privacy

The developer, RESILIENT INNOVATIONS PRIVATE LIMITED, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Financial Info
  • Location
  • Contact Info
  • Identifiers
  • Usage Data
  • Diagnostics

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Location
  • Contact Info
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More

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