Cashfree vs PhonePe Business QR: Which is Better for Shopkeepers?
Every shopkeeper in India now accepts UPI, but the choice of platform makes a big difference. PhonePe Business QR is popular for its simplicity, while Cashfree offers a full business payment gateway with reports, settlements, and payout options.
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Cashfree vs PhonePe QR: Quick Comparison
Criteria Cashfree PhonePe QR UPI Charges 0% MDR for merchants 0% MDR for merchants Settlement T+1 or same-day options Typically T+1, limited flexibility Dashboard/Reports Detailed GST-friendly reports Basic transaction list only Payouts Send money to vendors/employees via Payouts Not available Integrations APIs + Plugins (Shopify, WooCommerce, WordPress) Not available Affiliate Income Yes, recurring commissions No affiliate program
Which One Should Shopkeepers Use?
If you are a small local shop just collecting UPI, PhonePe Business QR is simple. But if you want settlement control, reports, and future growth, Cashfree is the smarter choice.
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Conclusion
Both platforms offer free UPI, but Cashfree gives you advanced tools to grow your business, while PhonePe is only a collection app. Choose wisely 👇
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