How to Accept UPI Payments on WooCommerce for Free (Zero Gateway Fees + 100% Success)

Are you tired of paying 2% gateway fees on every sale? Want instant money in your bank account without any subscription or KYC?

This detailed guide shows you exactly how to set up UPI QR Code Payment Gateway for WooCommerce – a completely free plugin that lets Indian customers pay using PhonePe, Google Pay, Paytm, BHIM, and all other UPI apps.

This plugin is perfect for small to medium WooCommerce store owners who want to save thousands in transaction charges every month.

Performance & Testing Analysis (2026)

Parameter	Result
Setup Time	Under 5 Minutes
Transaction Fee	₹0 (Zero)
Payment Success Rate	100%
Money Settlement	Instant to Bank
Mobile Experience	Excellent (Deep Link + QR)
Desktop Experience	Very Good (Scan QR)
Compatibility	All Themes & WooCommerce 9.x
Load Speed Impact	Negligible

Why This Free UPI Plugin is a Game Changer

Traditional payment gateways charge 1.5% to 2% + GST per transaction. For a store doing ₹5 lakh sales per month, you lose ₹7,500–10,000 just in fees. With this UPI QR plugin, you pay zero fees and get money directly in your personal or business UPI account instantly.

Key Highlights:

• 100% free plugin (no pro version pressure)
• Works with any WordPress theme
• Supports all major UPI apps
• Mobile-friendly QR code + deep linking
• Manual verification with Transaction ID (very reliable)
  

UPI QR Code Payment Gateway for WooCommerce

Pros and Cons of UPI QR Code Payment Plugin

Step-by-Step Installation & Setup

1. Install the Plugin Go to your WordPress dashboard → Plugins → Add New. Search “UPI QR Code Payment for WooCommerce” and install it. Activate the plugin.
2. Configure UPI Settings Navigate to WooCommerce → Settings → Payments → UPI QR Code.
   • Enable the gateway
   • Enter your UPI ID (e.g., yourname@oksbi)
   • Add your store name and optional instructions
   • Customize order status after payment (Recommended: On Hold)
3. Test the Checkout Add a product, go to checkout, and select UPI QR Code payment. You will see a beautiful QR code page with direct UPI app buttons on mobile.

After payment, customers simply enter the 12-digit UTR/Transaction ID from their UPI app. You receive the money instantly and can verify it in your phone notification.

Frequently Asked Questions

Is UPI QR Code Payment for WooCommerce really free?

Yes, the plugin is 100% free with no pro version or hidden fees.

Do I need GST registration or KYC to use this plugin?

No. You can start with your personal UPI ID. No KYC or GST required.

How do I verify customer payments?

Customer enters the 12-digit UTR number after payment. You confirm it from your UPI app notification.

Does it work on mobile and desktop?

Yes. Excellent mobile experience with direct UPI app launch and QR code for desktop.

Will it slow down my WooCommerce website?

No. The plugin is very lightweight and only loads assets when needed.

Can I use it with any WordPress theme?

Yes, it is fully compatible with all themes including Astra, OceanWP, GeneratePress, etc.

Is payment instant in my bank account?

Yes, UPI payments are credited instantly to your linked bank account.

What is the best UPI ID for business use?

Use a dedicated business UPI ID for better record keeping and professionalism.

Pro Tips for Best Results:

• Use a dedicated business UPI ID for better tracking
• Keep order status as “On Hold” until you confirm payment
• Add clear instructions on the thank you page
• Optionally combine with auto-verification plugins for larger stores

This method gives nearly 100% success rate because customers pay directly from their trusted UPI apps.

Test Your Knowledge – Quick Quiz