About FreeUpi
Empowering Indian businesses and creators with zero-fee, direct bank UPI payment tools.
Keep 100% of what you earn. No middlemen. No gateways.
India's Unified Payments Interface (UPI) is the world's most sophisticated digital payments network. Yet, millions of freelancers, merchants, and service providers still lose 2% to 3% of their revenue to commercial payment gateways, wait days for settlements, or suffer payment failures due to banking transfer caps on new contacts. FreeUpi was built to change that.
The Two Big Problems in Indian Digital Payments
1. The ₹2,000 Transaction Limit Wall
Under Indian banking fraud-prevention rules, transactions above ₹2,000 to new or unverified UPI IDs face elevated failure rates, 24-hour cooling-off caps (e.g. ₹5,000 per day for new beneficiaries), and interchange surcharges.
2. Expensive 2–3% Payment Gateway Cuts
Traditional payment gateways deduct 2% to 3% Merchant Discount Rate (MDR) plus 18% GST on the fee, withhold funds in escrow for T+2 business days, and require complex merchant KYC with business registrations.
How FreeUpi Solves It
Universal UPI QR Generator
Generate clean, high-resolution QR codes for exact amounts or open amounts where payers enter their own total in Google Pay, PhonePe, Paytm, or BHIM.
Smart ₹1,999 Multi-QR Splitter
Our proprietary algorithm automatically splits amounts over ₹1,999 into safe micro-QRs (e.g. ₹4,500 into ₹1,999 + ₹1,999 + ₹502), bypassing bank limits and ensuring 100% instant clearance.
Printable Digital Invoices
Create itemized GST invoices with auto-calculated tax, embedded payment QR code, and instant 1-click A4 print or PDF download to share directly on WhatsApp.
Our Core Principles
- ✓100% Free Forever: No subscription tiers, no hidden cuts, no transaction limits.
- ✓Client-Side Privacy: We never log your payment details or invoice data on our servers.
- ✓Direct Bank Settlement: Funds never touch FreeUpi; money moves straight to your bank account.
- ✓No KYC Barrier: If you have a working UPI ID from any Indian bank, you can start right now.
Have questions or want to partner?
We love hearing from fellow builders, merchants, and freelancers.