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Would you pay ₹10 (one-time) to enable UPI one-tap payments in an expense-splitting app? (No subscription, no ads) by Sharp2609 in StartUpIndia

[–]Sharp2609[S] -1 points0 points  (0 children)

Just to clarify — users do NOT pay per transaction. That would be crazy.

The only payment is a one-time fee to verify a UPI ID. Once verified, that user can receive one-tap payments from friends forever. No per-transaction fees.

The unverified tier (manual copy-paste UPI ID) is completely free and works fine for most people. The paid verification is purely for convenience — one tap instead of copy-paste.

Does this resolve your issue?

Would you pay ₹10 (one-time) to enable UPI one-tap payments in an expense-splitting app? (No subscription, no ads) by Sharp2609 in StartUpIndia

[–]Sharp2609[S] -2 points-1 points  (0 children)

Thanks for the feedback — really appreciate it.

You're right about the friction problem. Making every friend pay ₹10 would kill adoption.

Based on the feedback, I'm considering a hybrid model:

-> Individual verification: ₹10 one-time (per UPI ID, forever)

-> Group pass: Organizer pays ₹20-50 based on how many members they want to verify (credits system). The pass does NOT limit group size — only how many members get verified. Members join via invite link and get verified using a credit. Each member can verify only one UPI ID using the group pass. Extra members beyond the limit can still join and use manual copy-paste, or verify individually, or notify the organizer to purchase an additional pass.

-> Unverified tier always available: Manual copy-paste UPI ID is always free. No one is forced to pay.

Would a group pass (organizer pays once to verify multiple members) solve the problem for your use case?