SMEPay vs Razorpay for WooCommerce

SMEPay: UPI Gateway for WooCommerce is a WordPress plugin built specifically for Indian WooCommerce stores to accept payments via UPI QR codes. With SMEPay, customers can scan a QR code at checkout to make instant payments using popular UPI apps like Google Pay, PhonePe, or Paytm. The plugin is easy to install, configure, and fully compatible with the latest WooCommerce versions. Features: UPI Payments Integration: Accept UPI payments via QR code. Works with WooCommerce: Seamless integration with WooCommerce. Customizable Settings: Configure title, description, and more directly from the WooCommerce settings page. Instant Payment: Customers can complete transactions with instant UPI payment processing. Requirements SSL Certificate Required: For secure payment processing, your website must have an SSL certificate (HTTPS) installed and configured. Verify SSL by checking for the padlock icon in your browser’s address bar. If you don’t have SSL, please obtain one from your hosting provider before enabling SMEPay. What is SMEPay? SMEPay is a payment gateway that enables WooCommerce store owners to accept payments through UPI (Unified Payments Interface) via QR codes. Customers scan the QR code with any UPI-enabled mobile app (like Google Pay, PhonePe, etc.) to make instant payments. How do I set up SMEPay for WooCommerce? After installing the plugin, go to WooCommerce > Settings > Payments, and enable SMEPay. Enter your SMEPay API credentials. Once configured, customers can pay via UPI at checkout. How do UPI payments work with SMEPay? SMEPay generates a unique QR code for each transaction. Customers scan it with their UPI app to make instant payments. Upon successful payment, the WooCommerce order status updates automatically. Is SMEPay compatible with all WooCommerce themes? Yes, SMEPay works with all WooCommerce-compatible themes. We recommend testing on your site to ensure full compatibility. What UPI apps are supported? SMEPay supports all UPI-enabled apps, including Google Pay, PhonePe, Paytm, and others. Can I use SMEPay for recurring payments? Currently, SMEPay supports only one-time payments via UPI. For recurring payments, consider other payment gateways. Is my payment and data secure when using SMEPay? Yes. SMEPay uses secure, authenticated API communication. The plugin shares only the transaction data necessary for payment processing after the customer selects SMEPay at checkout. No additional personal data is collected or stored. Can I use both Inline QR and Wizard QR display modes together? No. You can only use one display mode at a time — either Inline QR or Wizard (popup) mode. This restriction applies to both the full SMEPay payment gateway and the Partial COD gateway. These two modes are not designed to run simultaneously, as they use different rendering methods for displaying the UPI QR code. To avoid conflicts during checkout, choose the mode that best fits your store’s design and keep only that one enabled. This ensures stable behavior and prevents conflicts between checkout rendering methods. External Services This plugin connects to the SMEPay platform, a third-party UPI payment service provided by Typof Technologies, to enable UPI payments in your WooCommerce store. 🔧 API Endpoints (Based on Mode) The plugin uses different endpoints depending on your selected mode: Development Mode (mode = development): Base URL: https://staging.smepay.in/api/wiz/… Production Mode (mode = production): Base URL: https://extranet.smepay.in/api/wiz/… Endpoints Used: /external/auth – Authenticate WooCommerce store with SMEPay /external/create-order – Create UPI QR payment request /external/validate-order – Validate payment status Frontend Widget Script: https://typof.co/smepay/checkout-v2.js – This script loads a React-based frontend app that renders the UPI QR code at checkout. It enables customers to scan and pay using their UPI app. It only uses data required to generate and display the QR code for the current WooCommerce order. It does not track users, store cookies, or collect personal data outside the transaction context. 📤 Data Shared with SMEPay During payment processing, the plugin sends: – WooCommerce order ID, total amount, currency – Customer info (name, email, phone) – Callback URL (order confirmation page) – SMEPay Client ID & Secret – Mode indicator (development or production) 🛡️ Data Sharing Consent No data is sent to SMEPay unless the customer explicitly selects the SMEPay payment option at checkout and places an order. 🔄 When Data Is Sent When the user selects SMEPay at checkout and the order is created After payment, to confirm successful payment via the validate endpoint ⚙️ Why We Send This Data To generate a transaction-specific UPI QR code To confirm payment and update order status in WooCommerce To ensure secure, authenticated communication linked to your store If the SMEPay service is temporarily unavailable, customers can select an alternative payment method configured in your WooCommerce store. 🧭 Service Provider Details This plugin interacts with the following SMEPay-hosted domains: – smepay.in, typof.co – API endpoints – typof.co – QR widget script (checkout-v2.js) Service Provider: SMEPay by Typof Technologies – Terms of Service – Privacy Policy

Allows you to accept credit cards, debit cards, netbanking, wallet, and UPI payments in India and FPX, eWallets, Duitnow in Malaysia. This is the official Razorpay payment gateway plugin for WooCommerce. A system designed to handle end-to-end payments. Accept payments via 100+ payment modes – domestic & international credit & debit cards, EMIs, paylater, net banking, UPI & mobile wallets including JioMoney, Mobikwik, Airtel Money, FreeCharge, Ola Money and PayZapp in India, and FPX, Duitnow and eWallets including GrabPay, Touch N Go, Boost in Malaysia, with the WooCommerce plugin. Get a feature-filled and easy to integrate checkout with cards (Visa, MasterCard, American Express, UnionPay etc) saved across businesses so that customers can pay seamlessly everywhere, both domestic and international. This plugin allows for refunds, works across all browsers, and is compatible with the latest WooCommerce. Boost conversions with international customers paying in their local currency. Keep your data safe with robust security that comes with PCI DSS Level 1 compliance. This is compatible with WooCommerce>=4.0, including the new 9.0 release. It has been tested up to the 9.1.2 WooCommerce release. BENEFITS OF USING RAZORPAY Get started in minutes with seamless onboarding – Razorpay registration link via 100% digital KYC for Indian businesses and easy onboarding for Malaysia businesses Boost customer conversions with superior checkout experience on fast-growing UPI in India and Duitnow in Malaysia Enjoy industry leading success rate & avoid drop offs with seamless payment flow Razorpay has no setup fees, no monthly fees, no hidden costs: you only get charged when you earn money! Earnings are transferred to your bank account as per settlement cycle. Razorpay supports the WooCommerce Subscriptions extension via Razorpay Subscriptions Plugin for WooCommerce and When a customer pays for a subscription item, you can accept recurring payments for the same on your WooCommerce-enabled WordPress site. Razorpay has Affordability Widget to spread awareness about the affordability-based payment options before they reach checkout. You can integrate Razorpay Affordability Widget with your WooCommerce website to influence your customer’s purchase decisions before they reach checkout by displaying various affordable payment options and offers. COUNTRIES SUPPORTED Razorpay is available for Store Owners and Merchants in – India – Malaysia Dependencies WordPress v3.9.2 and later Woocommerce v4.0 and later PHP v5.6.0 and later php-curl extension Configuration Visit the WooCommerce settings page, and click on the Checkout/Payment Gateways tab. Click on Razorpay to edit the settings. If you do not see Razorpay in the list at the top of the screen make sure you have activated the plugin in the WordPress Plugin Manager. Enable the Payment Method, name it Credit Card / Debit Card / Internet Banking (this will show up on the payment page your customer sees), add in your Key id and Key Secret. The Payment Action should be set to “Authorize and Capture”. If you want to capture payments manually from the Dashboard after manual verification, set it to “Authorize”. Support Visit razorpay.com for support requests. License The Razorpay WooCommerce plugin is released under the GPLv2 license, same as that of WordPress. See the LICENSE file for the complete LICENSE text.