# BharatPe for Business — India's Payment App > Merchant payment acceptance, business loans, and investment platform. (iPhone/iPad app by RESILIENT INNOVATIONS PRIVATE LIMITED.) - Source: https://appshunter.io/ios/app/bharatpe-for-business/id1329385873 (this page in markdown: same URL + `.md`) - Developer: [RESILIENT INNOVATIONS PRIVATE LIMITED](https://appshunter.io/developer/1548695300) - Category: Finance, Business - Price: Free - Rating: 3.71/5 from 9,668 App Store ratings · 24 written reviews indexed - Age rating: 17+ - Requires: iOS 15.6 · 259 MB - Languages: American English, Bangla, Gujarati, Hindi, Kannada, Malayalam, Marathi, Tamil, Telugu - Released: 2018-02-13 - Data updated: 2026-09-12 - Monetization: ad-supported - User reviews in markdown: https://appshunter.io/ios/app/bharatpe-for-business/id1329385873/reviews.md ## What is BharatPe for Business? BharatPe for Business 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. Permissions 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 hello@bharatpe.com Home - BharatPe Head Office: Resilient Innovations Private Limited (BharatPe) Building No. 8 Tower C, 7th Floor, DLF Cybercity, Gurgaon-122002 Haryana, India RESILIENT INNOVATIONS PRIVATE LIMITED ## Key features - Accept payments from 150+ UPI apps - On-demand and auto settlement - Order BharatSwipe card machines - Business loans with low interest - Earn up to 12% interest on collections - Merchant loyalty club benefits ## Recent user reviews (10 of 24) All indexed reviews: https://appshunter.io/ios/app/bharatpe-for-business/id1329385873/reviews.md ### 5/5 — Excellent Experience with BharatPe All-in-One Device Since 2021! *2026-04-18* "We have been using the BharatPe All-in-One device at our showroom since 2021. It has made the payment process incredibly smooth for our customers, and we receive instant payment confirmations every time. This device is truly the best solution for digital payments. If you are looking to digitize your business, I highly recommend using BharatPe." **Developer response:** Hi Chintan, thanks for taking out time to rate us. It really helps us to keep going and delivering the best for you. ### 1/5 — Worst payment option I've used in my life. *2025-05-17* This is the wosrt payment app i have used in my entire life. I had a swipe machine for which transaction charges were very higher they mentioned in the app. Being fed up with this, i decided to give the device back. Thought that at least the security deposit would be given back. When i called customer service, they said that the security deposit cannot be returned asper company policies. They say that it can be refunded only if we are returning the device in 3 days after purchase. These people are making fool of the people like us who are striving to survive. Please don't go fot bharath pe swipe machine. **Developer response:** Hi, we understand the disappointment this may have caused. To assist you further on this, Kindly drop us a mail at social.support@bharatpe.com mentioning your registered mobile number. ### 1/5 — Fraud App & Fraud System. *2025-05-13* Request all don’t use this application. They sell me Bharat Pay Speaker with commitment of free of cost speaker(& Speaker was old used speaker they sent me) but after delivery they charge lot of money per month even I’m didn’t pay anything but during return time of this speaker after 6 months they charge/take lot of amount from me + speaker return charges extra. All are fully open loot from us. From day one of starting I’m requesting to BharatPay Team to take strict action against fake commitment person for that particular lady assistant of Bharat Pay. But they no taken any strict serious action and last I return the speaker with lot charges in thousands of thousands. Before use this BharatPay services or his application Just keep in mind : 1) his marketing team is totally fake & gives you fake commitment, 2) Application is too complex UI, 3) Support team on call can’t help us properly, 4) After realize his support team tell us sorry for all type of inconvenience only but taken any single action. 5) Total system is fraud. even I’m oldest customer of BharatPay from more then 7 years & they don't need customers anymore. After all frustration I was decide to complaint at Consumer Forum (ग्राहक तक्रार निवारण मंच) but due to its long/vast of processes with lot of time taking or time wasting I’m decide don’t do anything just do your own job & Forget the BharatPay for life time. I request to all use Google Pay Service or Use any Indian bank services like SBI Bank, Kotak, HDFC Service etc. but don’t use BharatPay. **Developer response:** Hi, we were sorry to hear you’re unhappy with our service. If you have any concerns, you can email us at social.support@bharatpe.com with your registered mobile number. ### 1/5 — Worst App *2024-11-16* I have a different kind of an experience here when my customers are trying to make payment using the QR and they are using a credit card. Rupa credit card to make the payment. They are not able to make the payment whereas When I am using Paytm merchant app to receive the payment from my customers, they simply can make it and I am also receiving it even if they are making it through their Rupay credit card. I don't know what is the issue with Bharat pay. I've recently facing this issue. Have tried contacting the customer care. However, I have not received a resolution as they have just informed that within 24 hours. This issue will be resolved. However, it is going to be 24 hours now but it does not seem that it has resolved yet. ### 1/5 — Fraud app *2024-07-03* I request everyone to not to consider this platform as they are just fooling us I have ordered swipe machine in the month of June and because of some reason I have raised the return request within 3 days which was in free trail period I have deposited 2300 for this machine which was refundeble If it was made return during the trail period but it’s been more that 25 days since I have made return request but till now it has not been picked and whenever I have tried to contact the customer they are making me wait since 25 days they are just giving me dates of 1 week but till now my machine has not been picked and they are also charging me rental fees every month even though I made return request I think they have found a new way to fool customers and make money I request every one to not use this platform look for alternative options which are available in the market. WORST CUSTOMER CARE SERVICE I HAVE EVER SEEN ### 1/5 — Fraud *2024-05-04* Worst customer service Spamming representative ### 1/5 — Big fraud big fraud *2024-03-18* Don’t go with Bharath pay. The main issue with their pos card payment machine. I used the machine in three months after that i got a call from customer care and he told me we are upgrading all pos machine and you have to change your machine you will get the refund amount of the machine. As per his direction I changed my pos machine i got new one and old one replaced. But I didn’t get any refund and I have add extra money for the new machine also. Almost I lost two machines amount around 8500/- so I decided to throw the Bharath pay. And settlement issue also very high. Today onwards I change to phone pay. Whoever using this merchant app in my circle definitely I recommend other merchant apps only. So don’t go with this app. It eat you slowly ### 1/5 — They block all your card payments and harass you constantly to upload documents again and again *2024-03-12* 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 ### 1/5 — Regular settlement issues. Bharatpe is trying to escape with our money one day. *2023-12-10* It is happening every month. The amount that received in Bharatpe get sticks in Bharatpe itself and didn’t get settled in our bank accounts. It’s happening to every merchants I know around us. Error shown is - ‘withdrawals on your account have been temporarily blocked due to suspicious activities.’ But when I call and ask them what suspicious activities have been done through my account. They are not giving any explanation and they are asking me to upload my documents and shop photos in their portal. And they are asking 6-10 days to resolve it. Until then our amount will be with them. It is because they are trying to steal our money. I’m sure one day they will take our money and escape… be careful don’t use Bharatpe. This issue I’m facing it second time in 40 days. ### 1/5 — Investment issue *2023-08-24* 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🥺🥺🥺🥺 ## Frequently asked questions about BharatPe for Business ### Does BharatPe for Business have ads? Yes, BharatPe for Business contains advertisements. As a free service, ads are displayed to support its operation. ### What is the minimum and maximum loan tenure for BharatPe for Business? The minimum loan tenure is 2 months, and the maximum loan tenure is 15 months. Loan repayment is structured through Easy Daily Installments (EDI). ### What is the interest rate range for loans offered by BharatPe for Business? The Annual Percentage Rate (APR) for loans ranges from 21% to 30%. The specific APR is communicated within the BharatPe App when applying for a loan. ### How can I earn money with BharatPe for Business? You can earn up to 12% annual interest on your BharatPe account balance. Interest is credited daily to your account, and you can add or withdraw funds anytime. ### What are the security features of BharatPe for Business? The app requires SIM binding for UPI payment authentication as per NPCI regulations. It also requests Location and Contacts permissions to build a credit profile for loan offers. ### What is the user rating for BharatPe for Business? BharatPe for Business has a rating of 3.4 stars based on 22 ratings. This indicates a mixed user sentiment. ### On which devices can I use BharatPe for Business? BharatPe for Business is available on iPhone, iPad, and iPod devices. It is designed for iOS users. ### How often is BharatPe for Business updated? The latest version of BharatPe for Business is 3.0.4, and it was last updated on May 29, 2025. This suggests regular updates are provided. ## Version history (last 5 releases) ### 3.3.0 — 2026-08-28 We've added minor updates to app experience. We hope we have made your experience smoother with these improvements. Keep growing with BharatPe for Business. ### 3.2.9 — 2026-08-22 We've added minor updates to app experience. We hope we have made your experience smoother with these improvements. Keep growing with BharatPe for Business. ### 3.2.6 — 2026-07-16 We've added minor updates to app experience. We hope we have made your experience smoother with these improvements. Keep growing with BharatPe for Business. ### 3.2.5 — 2026-06-26 We've added minor updates to app experience. We hope we have made your experience smoother with these improvements. Keep growing with BharatPe for Business. ### 3.2.4 — 2026-05-30 We've added minor updates to app experience. We hope we have made your experience smoother with these improvements. 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User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-12.*