Best Payment Collection Apps for Indian Businesses

Compare the top payment collection apps for Indian small businesses — features, pricing, UPI support, and which works best for your billing flow.

What to look for

Native UPI support, dynamic QR per invoice, automated reminders, party ledger, low/zero fees, GST-compliant invoicing built in. Ideally one app for invoicing + collection.

Billing-first apps

BillBabu, Vyapar, Khatabook offer invoicing + collection in one. Best for businesses that need GST invoices alongside collection.

Payment-first platforms

Razorpay, Cashfree, Paytm Payments target online businesses. Powerful but require integration; less useful if you just want to send an invoice on WhatsApp.

Khata apps

OkCredit, KhataBook track udhar but don't generate GST-compliant invoices. Good for kirana/retail but not for B2B.

Our pick for SMBs

For most Indian SMBs, a billing app with built-in UPI QR + WhatsApp share is the lowest-friction option. BillBabu was built specifically for this workflow.

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Built for Indian small businesses. BillBabu is GST-compliant billing software that helps you create invoices, manage estimates, track payments and stay audit-ready — from your phone. Learn more about BillBabu or download the app.