Best Creator Store Apps With UPI Payments in India (2026)
Creator store apps that accept UPI, ranked for Indian creators selling downloads, courses, calls and memberships: fees, payouts, checkout and who each suits.
On this page
If you want every UPI payment confirmed automatically, pick a creator store that processes UPI through a payment gateway, such as Topmate, SuperProfile or Graphy, and accept that you pay for that convenience through a per-sale fee, a plan fee or both. If you want zero commission and don't mind confirming payments yourself, a direct-UPI store like QKAP (our product) fits, because buyers pay your own UPI ID. As of October 2026, Topmate ranks first overall for calls and digital products, QKAP second for creators who want to keep the whole sale, and Graphy suits full course businesses best among the tools we checked.
Key takeaways
- There are two models: gateway checkout (automatic confirmation, platform and gateway fees, the platform pays you out) and direct UPI (no platform cut, money lands in your account, you confirm each order).
- As of October 2026, Topmate took 10% of sales through your own link, Cosmofeed 10% plus GST, and Graphy an annual plan plus 5% to 10% per sale.
- QKAP takes no commission or per-sale fee, but it doesn't verify UPI payments for you.
- Razorpay Payment Pages has a lower percentage fee (typically 2% + GST) but no creator store features; Instamojo suits sellers who also ship physical goods.
- NPCI has announced a 0.4% fee on some merchant UPI payments above ₹2,000, deferred until after Diwali 2026; check how it applies to you.
How we ranked creator stores with UPI
We ranked tools for an Indian creator selling a mix of digital downloads, 1:1 calls, courses and memberships to buyers who mostly pay by UPI. Criteria and weights:
| Criterion | Weight | What we looked for |
|---|---|---|
| Checkout automation | 20% | Is the payment confirmed and access unlocked without you? |
| UPI support | 20% | UPI at checkout, documented on the tool's own pages |
| Platform fee | 20% | Commission or per-sale fee, monthly or annual plan |
| Payout timing | 15% | Who holds the money and how fast it reaches you |
| Product types | 15% | Downloads, calls, courses, memberships, communities |
| Page features | 10% | How well it works as the page in your bio |
Method. We read each tool's pricing, feature and help pages in October 2026 and credit only what is documented. Fees exclude payment-processor charges unless stated and change often, so check each pricing page. We have hands-on use of QKAP because we build it.
Our bias. QKAP is our product. On our own weights, QKAP and Topmate came out close; we put Topmate first because automatic confirmation matters to most sellers and because close calls should not go to the tool we make. Gumroad and Stan Store are not ranked: Gumroad's UPI support was unclear from its pages, and Stan's pages didn't mention UPI, while its getting-paid help article doesn't list India among the countries supported for its Stripe accounts.
The ranking: creator store apps with UPI in India
1. Topmate
- Best for: paid 1:1 calls, webinars, cohorts and digital products with automatic UPI checkout.
- Strengths: buyers in India pay by UPI, cards or net banking, and members can pay monthly by UPI AutoPay or card. It sells calls, webinars, cohorts, courses, digital products, packages, Priority DMs and memberships. After your first withdrawal opens (7 days after your first paid sale), most completed India withdrawals reach the bank within an hour, according to Topmate.
- Limits: a 10% fee on sales through your own link and 20% through Topmate's marketplace, plus gateway charges and GST on Topmate's fees. Some withdrawals go to manual review (3 to 7 business days).
- Price note: no monthly fee; custom pricing for creators earning ₹10 lakh or more a month.
2. QKAP
- Best for: creators who sell from reels, mix affiliate products with their own, and want to keep the whole sale.
- Strengths: buyers pay your own UPI ID by QR code or a UPI app link, or use your own Razorpay, Stripe, PayPal or Gumroad payment link. QKAP takes no commission or per-sale fee and never holds your money, so a UPI payment lands in your own account directly. The store covers digital downloads, coaching calls, courses, memberships, bundles, tips, lead magnets and physical products, on a link-in-bio page with numbered posts.
- Limits: you confirm each UPI payment in Orders (buyers can add their UTR, and you can bulk-confirm). Membership renewals aren't charged automatically; members pay again each period. Buyers need a free QKAP account for paid items.
- Price note: the store is on every plan, including Free; Premium removes the Free caps on live posts and on items inside posts. See pricing.
3. SuperProfile
- Best for: creators who want a link-in-bio store plus Instagram DM automation and next-day payouts.
- Strengths: a free Starter plan with a link-in-bio store and unlimited Instagram auto-DMs on Reels and posts; sells digital products, community, courses, events and 1:1 coaching. SuperProfile says earnings reach your bank on a T+1 basis and its checkout takes UPI, cards and net banking.
- Limits: its own pages showed conflicting prices and fees in October 2026.
- Price note: free plan and paid plans; check SuperProfile's pricing page for India prices and platform fees.
4. Graphy
- Best for: course creators building a full course, cohort or live-class business.
- Strengths: courses, webinars, live classes, memberships, digital products and Telegram communities; checkout with UPI, cards, net banking and wallets through an included Razorpay gateway, plus Stripe and PayPal for international creators; a 14-day free trial.
- Limits: an annual plan plus a percentage of each sale is a lot for a creator selling a few small products.
- Price note: Launch ₹24,999 a year plus 10% per sale (or ₹10, whichever is higher); Grow ₹49,999 a year plus 7.5%; Rise ₹99,999 a year plus 5%.
5. Instamojo
- Best for: sellers who mix digital products with physical goods.
- Strengths: a free Lite store plan, UPI and other methods through Instamojo's own gateway, cash on delivery and shipping-partner integrations for physical products.
- Limits: Instamojo lists gateway charges of 2% + ₹3 per transaction, a digital-product transaction fee of 10% + ₹3 on Lite and Starter (5% + ₹3 on Growth), and 18% GST on its fees; check how these combine on your plan. Settlement takes three days after the transaction unless you pay extra for faster payouts.
- Price note: Lite is ₹0; paid plan prices on Instamojo's page were inconsistent when we checked, so confirm them there.
6. Razorpay Payment Pages
- Best for: one ebook, workshop or event where you just need a hosted checkout.
- Strengths: no setup or annual fee; UPI (Google Pay, PhonePe, BHIM), cards, net banking, wallets, EMI and Pay Later; automatic confirmation and a receipt for every payment.
- Limits: it is a hosted payment page rather than a creator store, so check how you would deliver downloads, run a course or take bookings alongside it.
- Price note: typically 2% + GST per domestic transaction, charged only on successful payments.
7. Cosmofeed
- Best for: creators running paid Telegram groups and communities.
- Strengths: paid communities, recurring subscriptions for channels or groups, courses, webinars and events; Cosmofeed says creators can withdraw earnings instantly, and its fee includes gateway, platform and hosting costs.
- Limits: a 10% platform fee plus GST on each sale, and UPI isn't stated on the pages we read, so confirm the payment methods with Cosmofeed.
- Price note: no extra monthly payment on top of the per-sale fee.
Summary table
| Rank | Tool | UPI | Commission or fees (October 2026) | Payout | Product types | Automation |
|---|---|---|---|---|---|---|
| 1 | Topmate | Yes, plus UPI AutoPay | 10% via own link, 20% via marketplace, plus gateway and GST | Most within an hour after the first 7 days | Calls, webinars, courses, downloads, memberships | Automatic |
| 2 | QKAP | Yes, to your own UPI ID | None from QKAP | Direct to your account | Downloads, calls, courses, memberships, physical, bundles | You confirm each order |
| 3 | SuperProfile | Yes (its own claim) | Check its pricing page | T+1 | Downloads, courses, events, coaching, community | Automatic |
| 4 | Graphy | Yes | Annual plan plus 5% to 10% | Check Graphy | Courses, webinars, memberships, downloads | Automatic |
| 5 | Instamojo | Yes | 2% + ₹3 gateway, plus store fee by plan | T+3 | Digital and physical | Automatic |
| 6 | Razorpay Payment Pages | Yes | Typically 2% + GST | Check your dashboard | Any single payment | Automatic |
| 7 | Cosmofeed | Not stated | 10% + GST | Instant withdrawal | Communities, subscriptions, courses | Automatic |
Matching the tool to what you sell
- Mostly calls and webinars: Topmate. QKAP also books calls in the buyer's time zone with no commission, if you're happy to confirm payments.
- A full course business: Graphy, if the annual plan makes sense at your volume.
- Telegram communities: Cosmofeed.
- A mix of reels, affiliate finds, downloads and the odd physical product: QKAP, a store inside a shoppable link-in-bio page with no cut.
- One product or event: Razorpay Payment Pages.
- Digital plus physical with cash on delivery: Instamojo.
For the questions to ask before you choose, read what to check in creator tools with UPI payments, and for the trade-offs between payment methods, see UPI QR vs payment gateway vs cash on delivery. If you're moving from a US-centred store, our Stan Store alternatives for India and QKAP vs Gumroad comparisons go deeper, and creators selling memberships should see Patreon alternatives for Indian creators. To try direct UPI checkout, start with UPI payments on QKAP.
Frequently asked questions
Which creator store has no commission?
QKAP takes no commission or per-sale fee, because buyers pay you directly. As of October 2026, Stan Store also said it charges 0% transaction fees, but it costs from $29 a month and Stripe or PayPal processing fees still apply. Any payment link you use, such as Razorpay's, has its own fees.
Do I need GST to sell digital products?
Whether you need to register depends on your own situation, so check with a chartered accountant before you start selling. Separately, many platforms charge GST on their own fees: Topmate, Cosmofeed, Instamojo and Razorpay all say so on their pages. QKAP receipts can show your GSTIN if you add one, but they aren't guaranteed to be a compliant tax invoice.
Can I accept international payments too?
Topmate shows buyers abroad prices in USD, EUR, GBP, CAD or SEK, and Graphy supports Stripe and PayPal for international creators. On QKAP, UPI works only in rupee shops, but you can add a Stripe, PayPal or Razorpay link and sell in USD, EUR, GBP, AED, SGD, CAD or AUD.
Will UPI payments start costing creators a fee?
Possibly. NPCI has announced a 0.4% fee on some person-to-merchant UPI payments above ₹2,000, capped at ₹300, and on 13 October 2026 deferred it until after Diwali on a date to be notified. Under the announced rules, payments up to ₹2,000 and person-to-person transfers stay free, and buyers are not charged. Check with your bank how your UPI ID is classified.
Why do gateway creator stores charge fees?
Gateway creator stores run the checkout, confirm each payment, deliver access and pay you out, and their per-sale fee, plan fee or both pays for that convenience. A direct-UPI store such as QKAP skips the platform cut, and you do the confirming yourself.
Sources
Checked in October 2026. QKAP facts come from QKAP's own product.
- Topmate: home and FAQ, pricing, memberships
- SuperProfile: home, pricing, comparison page
- Cosmofeed: home, platform fee
- Graphy: pricing, payments
- Instamojo: instamojo.com/pricing
- Razorpay: pricing, Payment Pages
- Gumroad: gumroad.com/pricing
- Stan Store: pricing article, getting paid
- NPCI: MDR FAQ (PDF), 13 October 2026 release (PDF)
- QKAP: UPI payments, digital downloads, coaching calls, memberships, pricing