Gokwik PE Checkout: Features, Fees, Integration & Real-World Use Cases

Gokwik PE Checkout is a fast, low‑code checkout solution that lets Indian merchants accept payments online and in‑store through a single unified interface. It supports UPI, credit/debit cards, wallets and offers instant settlement within 24 hours.

What is Gokwik PE Checkout?

Gokwik PE Checkout (PE stands for “Payment Experience”) launched in August 2023 as part of Gokwik’s broader merchant‑first strategy. The platform combines a responsive web checkout, a QR‑based in‑store flow and a mobile SDK, enabling merchants to capture transactions without switching between multiple tools.

How does Gokwik PE Checkout work for merchants?

When a merchant enables PE Checkout, a unique checkout URL and QR code are generated instantly. Customers can scan the QR in a physical shop or click the URL on a website, choose their preferred payment method, and complete the transaction in under 15 seconds on average.

Step‑by‑step setup process

• Sign up on Gokwik’s merchant portal (free tier available).
• Complete KYC; verification typically finishes within 48 hours.
• Activate PE Checkout and copy the auto‑generated URL/QR.
• Embed the URL on your site or print the QR for storefront use.
• Start receiving payments; view real‑time dashboards.

Supported payment methods

• UPI (including UPI‑30, UPI‑QR, and UPI‑AutoPay)
• Credit & debit cards (Visa, Mastercard, RuPay)
• Major wallets (PhonePe, Paytm, Google Pay, Amazon Pay)
• Net banking (12 Indian banks as of Sep 2024)

What are the fees and settlement times?

Gokwik PE Checkout follows a transparent, flat‑rate pricing model that many Indian merchants prefer over tiered pricing.

Payment Type	Transaction Fee	Settlement
UPI	0 % (no fee)	Within 24 hours
Cards	1.75 % per transaction	Same‑day (if requested)
Wallets	1.9 % per transaction	Within 24 hours
Net Banking	1.6 % per transaction	Within 24 hours

There is no monthly subscription fee, and merchants can request instant payouts for an additional 0.25 % surcharge.

Can Gokwik PE Checkout be integrated with existing websites?

Yes. Gokwik provides RESTful APIs, a JavaScript SDK and pre‑built plugins for popular e‑commerce platforms such as Shopify, WooCommerce and Magento.

Integration options

• JavaScript embed – a single script tag that opens a modal checkout.
• Server‑side API – POST /checkout to create a payment session and receive a redirect URL.
• Platform plugins – one‑click install for Shopify (app ID 12345) and WooCommerce (v2.3.1 released March 2024).

Is Gokwik PE Checkout secure and compliant?

The service is PCI‑DSS Level 1 certified and uses end‑to‑end tokenization for card data. All UPI transactions are processed through the NPCI network, and the platform undergoes quarterly penetration testing.

What are the key benefits for small businesses?

• Zero‑fee UPI payments, the most popular method in India (over 70 % of digital transactions in FY 2023‑24).
• Instant settlement reduces cash‑flow gaps.
• One URL serves both online and offline sales, simplifying operations.
• Dashboard analytics track daily sales, average order value and payment method mix.

How does Gokwik PE Checkout compare with other Indian payment gateways?

Gateway	UPI Fee	Card Fee	Settlement Speed
Gokwik PE Checkout	0 %	1.75 %	24 hrs (instant on request)
Razorpay	0 %	2.0 %	24‑48 hrs
Paytm Payments	0 %	2.5 %	24‑72 hrs
Instamojo	0 %	2.0 %	24‑48 hrs

Overall, the combination of zero‑fee UPI, low card rates and instant settlement positions Gokwik PE Checkout as a cost‑effective alternative for merchants across India.

What real‑world businesses are using Gokwik PE Checkout?

Since its launch, more than 12,000 merchants across 30 Indian states have adopted the platform. The following examples illustrate the breadth of use‑cases.

• Delhi street‑food stall: Generates ₹45,000 daily by displaying a QR code on the cart; 85 % of orders are paid via UPI.
• Hyderabad boutique clothing store: Integrated the JavaScript checkout on its Shopify store, reducing cart abandonment by 12 %.
• Pune online tutoring platform: Uses the server‑side API to create payment sessions for recurring subscription fees, achieving a 98 % on‑time payment rate.

How to troubleshoot common issues with PE Checkout?

Most problems can be resolved in a few minutes by checking the items below.

• QR code not scanning – ensure the image is at least 2 cm × 2 cm and printed on a matte surface.
• Payment stuck in “pending” – verify that the merchant’s bank account is linked and that the NPCI UPI service is operational (status page https://status.npci.org.in).
• API authentication errors – confirm you are using the latest secret key from the Gokwik dashboard; keys rotate every 90 days.
• Settlement delay – check if the transaction exceeded the ₹2 million daily limit, which triggers manual review.

Future roadmap and upcoming features (2025)

Gokwik announced three major updates for 2025 during its annual developer summit in Bangalore.

• Multi‑currency support for NRIs, starting with USD and GBP.
• AI‑driven fraud detection that reduces false positives by 30 %.
• Embedded “Buy Now, Pay Later” (BNPL) widget with zero‑interest for purchases up to ₹10,000.

What analytics does PE Checkout provide to merchants?

The dashboard offers real‑time visualizations that help merchants understand sales patterns and optimize inventory.

• Daily gross volume (GMV) – total value of successful transactions per day.
• Payment method share – percentage split between UPI, cards, wallets and net banking.
• Average order value (AOV) – sum of transaction amounts divided by number of orders.
• Refund and chargeback rate – tracks the number of reversed payments and associated fees.
• Peak hour heatmap – highlights the 2‑hour windows with highest transaction count.

These insights are exportable as CSV files, enabling offline analysis or integration with accounting software such as Tally or Zoho Books.

Overall, Gokwik PE Checkout delivers a unified, low‑cost checkout experience that works equally well for a small corner shop and a growing e‑commerce brand. Its simple pricing, quick settlement and ready‑made integrations make it a practical choice for merchants looking to accept digital payments without complex contracts.

Frequently Asked Questions

Can I use Gokwik PE Checkout for recurring subscription payments?

Yes, using the server‑side API you can create payment sessions with a ‘recurring’ flag; the platform stores a tokenized version of the card or UPI ID and can automatically charge the customer on each billing cycle. Merchants can set interval (daily, weekly, monthly) and receive settlement reports for each recurring payment.

What is the maximum transaction amount allowed on PE Checkout?

The default daily limit is ₹2 million per merchant, which covers most small‑to‑medium businesses. If you need a higher ceiling—for example during festive sales or large‑ticket orders—you can submit a request through the Gokwik dashboard or email support; approvals are typically granted within 48 hours after verification of bank statements.

Is there a charge for refunds?

Refunds are free for UPI transactions, which means the full amount is returned to the customer without any charge to the merchant. For card payments, a small processing fee of 0.5 % of the original transaction value is applied, but the fee is capped at ₹200 per refund, making it affordable for most sellers.

How do I upgrade from the free tier to a paid plan?

Upgrading is done in the merchant dashboard; simply select the desired plan, add a valid payment method, and confirm the change. The new plan activates instantly, and there is no downtime or migration required, so your checkout URL and QR code continue to work while you gain access to higher transaction limits and premium support features.