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.
UPI Merchant
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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.
PayG for Business
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
| Parameter | UPI Merchant | PayG for Business |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 3 months | Every 3 weeks โ better |
| Ads | No | No |
| In-app purchases | No | No |
| Devices | iPhone, iPad, iPod โ better | iPhone, iPad |
| Requires iOS | 9.0 โ better | 16.0 |
| Further details โ not scored | ||
| Size | 13 MB | 142 MB |
| Age rating | 4+ | 4+ |
| Developer | UnionPay International Co., Ltd. | PayG |
In-app purchases
UPI Merchant
No in-app purchases
PayG for Business
No in-app purchases







