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Repair Windows errors before they cause bigger problemsFix Now →Scan for outdated or missing drivers - takes under a minuteDriver Scan →In India, a small merchant can accept digital payments without displaying a UPI QR code by collecting through a payment link or arranging in-store card acceptance through a payment provider. BHIM Aadhaar Pay is another option for eligible merchants and customers, but it requires specific bank, device and biometric setup. A terminal or other piece of hardware alone does not activate payment acceptance.
Choose a route based on where the customer pays
The practical distinction is between a payment acceptance service and the device used to access it. A payment link can collect remotely; an in-store POS arrangement can accept cards or other methods supported by the provider and terminal. In either case, confirm eligibility, methods, fees and settlement terms with the provider before relying on it.
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| Route | What the customer does | What the merchant needs | Best suited to | Main limitation |
|---|---|---|---|---|
| Payment link | Opens a link sent by message, email or social channel and pays through hosted checkout. | An eligible provider account and a payment-link workflow. | Remote orders, delivery, deposits or other collections where the customer can use a phone. | The customer must receive and open the link; available payment methods and fees depend on provider setup and terms. |
| POS/card acceptance | Presents a card or uses another method supported by the terminal. | An acquiring or service-provider arrangement and compatible POS setup. | In-person checkout where customers expect to pay by card. | Buying a generic terminal does not establish that it can process payments. Verify onboarding, costs, connectivity, settlement and supported cards. |
| BHIM Aadhaar Pay | Completes an Aadhaar biometric authentication flow at the merchant. | A bank live on the service, supported Android device or equivalent, and certified biometric scanner. Both parties need Aadhaar linked to bank accounts. | Cases where merchant and customer meet the requirements and biometric payment is practical. | Its prerequisites and customer participation make it a narrower alternative. |
Collect remotely with a payment link
A payment link lets you send a customer a hosted checkout address rather than asking them to scan a QR at the shop. Razorpay describes creating links and sharing them by email, text or social channels. Its product information lists card, netbanking, UPI and wallet methods across its services, but that does not mean every method is available on every merchant account or link setup. Check the methods enabled for your account and the provider’s current terms. Razorpay Payment Links; Razorpay payment services.
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This route is useful when the customer is not physically at the counter, such as for delivery orders or deposits. It still requires the customer to receive the message and open the link, so confirm that the customer can access the channel you use.
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Accept cards in person with provider-arranged POS
For face-to-face checkout, a POS setup can let customers pay by card or another method the provider supports. Razorpay lists POS as an in-store payment product. The merchant needs a service or acquiring relationship as well as compatible equipment; a terminal purchased independently is not, by itself, proof that card acceptance is active. Razorpay POS.
Before choosing this route, ask the provider which cards and payment methods the specific setup accepts, what connectivity it needs, how onboarding works, and how transactions are settled. Costs, eligibility and settlement timing are provider-specific and should be confirmed directly.
Rank #2
- Use the, easy-to-use, and customizable POS to get started.
- Accept contactless payments, chip cards, Apple Pay, and Google Pay from anywhere, with improved connectivity, extended battery life, and enhanced security. Pay one low rate for every tap or dip.
- No long-term commitments or contracts, no monthly fees- and with offline payments, keep taking payments for up to 24 hours.
- Safely and securely accepts payments anywhere. Plus, get data security, 24/7 fraud prevention, and payment-dispute management at no extra cost.
- Use the, easy-to-use, and customizable POS to get started.
Consider BHIM Aadhaar Pay only if you meet its requirements
BHIM Aadhaar Pay enables over-the-counter payment through Aadhaar authentication, but it is not a universal QR replacement. NPCI says a merchant must be associated with an acquiring bank that is live on the service and use a supported Android device or equivalent with a certified biometric scanner. Both the customer’s and merchant’s Aadhaar must be linked to their bank accounts. NPCI: BHIM Aadhaar Pay.
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Rank #3
- Get your money as soon as the next business day.
- Get set up quickly with no long-term commitments. Download the Square Point of Sale app for free, create an account, and start taking payments anywhere.
- Run your business all in one place with the free Square Point of Sale app. Track your sales, manage inventory, accept tips, send receipts digitally, and more.
- Works with Apple devices with a Lightning connector.
Why RuPay credit card on UPI does not meet a strict no-QR requirement
RuPay credit card on UPI may sound like a card-based alternative, but NPCI describes the customer paying by scanning the merchant’s UPI QR. If the requirement is to accept payment without a UPI QR, this flow does not satisfy it. NPCI: RuPay credit card on UPI.
What to check before signing up
Compare options based on where payment happens, what the customer must do, what the merchant must set up, and the provider’s service terms. Ask the provider:
Rank #4
- SmartQ C368 USB 3.0 Card Reader: Four-in-one design, supports Micro SD/SD/MS/CF cards, and reads data independently; ideal for plug and play mobile use during travel.
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- Working status: Blue LED light indicator, the indicator LED lights up when powered on, the device status is clearly visible.
- In the Box: SmartQ C368 USB 3.0 Card Reader (memory card not included), Cable organizer, User manual.
- Am I eligible, and what onboarding or acquiring arrangement is required?
- Which payment methods are enabled for my account, link or terminal?
- Are there one-time or recurring costs, and what other transaction charges apply?
- When are funds settled, and how are refunds and disputes handled?
- What connectivity or device requirements apply, and what support is available if a payment fails?
- How will I reconcile payments against orders or sales?
What the law does—and does not—establish
The Income Tax Department describes Section 269SU as applying to a business whose sales, turnover or gross receipts in the preceding year exceed ₹50 crore. Its guidance names prescribed electronic modes, including RuPay debit card and BHIM-UPI options. That threshold and statutory context do not establish a general requirement for every small merchant to offer a particular QR-free payment method. Check the current guidance and seek qualified advice if the rule may apply to your business. Income Tax Department: Section 269SU.
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