[harshvladha]

> Online businesses that use "Pay with PhonePe" links have to pay commission

Can you please share, any relevant or merchant integration link which says about transaction charges.

I don't think there are transactional charges, at least in beginning (I have not digged deep) but saying as per UPI.

UPI service is directly by banks (and government) (transfer from user's bank to merchant's bank without intermediary).

I can understand that very small transaction fees can be levied in future because PhonePe, Gpay may provide more business to these merchants as their user base grows.

Why I am saying very small? Unlike dispute resolution in PayPal kind of platform (which holds money) here it is much difficult to provide similar resolution to end-user, as payment is directly done to merchant.

But. It is B-2-B and B-2-B is mostly driven by trust, loyalty and partnerships, unlike end-users in India who runs after app providing new offer(s).

Such B-2-B business can change the end-user behaviour in terms of loyalty. So that may be it. But there are so many apps for same payment interface, and I can imagine that there can be just an app which helps merchant receive payment from end-user without any additional fees (0.0000).