The numbers don't lie
India processed 17.4 billion UPI transactions in January 2026 alone. UPI is free for merchants by government mandate — zero MDR (Merchant Discount Rate) on person-to-merchant transactions. Yet businesses still lose 2–3% on every payment because their invoicing software routes payments through Razorpay or Stripe.
The math is simple
- ₹10 lakh/month in collections x 2% gateway fee = ₹20,000/month lost
- ₹20,000 x 12 months = ₹2,40,000/year — gone
- For a hotel doing ₹20 lakh/month, that's ₹4,80,000/year in gateway fees
AXOIX's approach: cut out the middleman
Every invoice generated in AXOIX — whether through LEDGER, BARTER's quotes, or any of the 18 industry verticals — automatically includes a BharatQR code linked to YOUR UPI ID. Customer scans with any UPI app (GPay, PhonePe, Paytm, BHIM), pays, and the money lands directly in YOUR bank account. Zero middleman. Zero commission.
This works across all 18 industry verticals — hotels, restaurants, salons, car dealers, clinics, schools, everyone.
Free for everyone
And it's free for ALL users, including the Explorer (free) plan. No setup. No configuration. No API keys. Just enter your UPI ID once, and every invoice you generate will include a payment QR code automatically.
See pricing or start free — your first invoice with a QR code is minutes away.
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