Comparison

UPI Merchant vs PayG for Business

Price, ratings, monetisation and update history for both apps, side by side โ€” with what reviewers say about each.

Head to head
About

UPI Merchant

Features
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UPI Merchant APP is a multi-function collection tool developed specifically for UnionPay direct merchants QR code payment. After the merchant has registered and logged in, the merchant code can be applied. At the same time, it also provides merchants with the functions of QR code transaction notification, transaction inquiry, transaction cancellation and refund, and provides the "one-stop" QR code payment solution for merchants.

About

PayG for Business

Features
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This is not just any regular payment app; we have tried to fit in a mini world within an app with many themes and templates to enjoy a personalized experience. Open for both merchants and consumers, this PayG app gives users the ability to manage their daily expenditures and credit management, with a record for future reference. Users can create their accounts and even accept payments with many functionalities, such as finding credible merchants for their product of choice. The merchants can use this app for networking and staging their products and services. They can create profiles, payment links, pay buttons, etc. This is an Indian app for an empowering Bharat!

Screenshots

UPI Merchant1 screens
PayG for Business4 screens

Verdict

The call

The clearest difference is update cadence: PayG for Business at every 3 weeks against UPI Merchant's every 3 months. UPI Merchant's advantage is iOS requirement (9.0 vs 16.0). On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price ยท Rating ยท Positive reviews ยท Number of ratings ยท Update frequency ยท Ads ยท In-app purchases ยท Monetization ยท Best chart rank ยท Devices ยท Requires iOS

CostPrice ยท In-app purchases ยท Ads ยท Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

UPI Merchant ships an update every 3 months, PayG for Business every 3 weeks. The most recent releases landed on October 26, 2026 and October 27, 2026 respectively.

Scorecard2 real differences ยท 4 level
UPI Merchant versus PayG for Business: the parameters behind the verdict, then further details
ParameterUPI MerchantPayG for Business
PriceFreeFree
Update frequencyEvery 3 monthsEvery 3 weeks โ€” better
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPad, iPod โ€” betteriPhone, iPad
Requires iOS9.0 โ€” better16.0
Further details โ€” not scored
Size13 MB142 MB
Age rating4+4+
DeveloperUnionPay International Co., Ltd.PayG

In-app purchases

None

UPI Merchant

No in-app purchases

None

PayG for Business

No in-app purchases

Questions

Is UPI Merchant free?
UPI Merchant is free to download, with no in-app purchases.
Is PayG for Business free?
PayG for Business is free to download, with no in-app purchases.
Do UPI Merchant or PayG for Business have ads?
Neither UPI Merchant nor PayG for Business shows ads.
Which is updated more often, UPI Merchant or PayG for Business?
UPI Merchant ships an update every 3 months, and PayG for Business every 3 weeks. Most recently, UPI Merchant was updated on October 26, 2026 and PayG for Business on October 27, 2026.

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