How to Collect Payments Online with Forms (2026 Guide)

Collecting payments through forms is one of the fastest ways to monetize services, sell products, or accept donations online. But most form builders charge 3-5% commission on top of gateway fees. Here's how to do it right — and keep more of what you earn.

Step 1: Choose a Zero-Commission Form Builder

The first decision is critical. Tools like Formet offer 0% platform commission on payment transactions. You only pay the standard gateway fee (typically 1.5-2% via PhonePe, Stripe, or Razorpay). This can save thousands of rupees per month for high-volume businesses.

Step 2: Create Your Payment Form

Add a payment field to any form. Configure product or service options with prices. You can set fixed amounts, let customers choose quantities, or allow custom amounts for donations.

Step 3: Connect Your Payment Gateway

Link your PhonePe, Stripe, or Razorpay account. This takes about 5 minutes. Your gateway handles all the security — PCI DSS compliance, card tokenization, and fraud detection.

Step 4: Publish and Share

Share your payment form via link, embed it on your website, or use a QR code. Customers can pay using UPI, credit/debit cards, net banking, or digital wallets.

Step 5: Track and Manage

View all payments in your dashboard. Automatic invoices with GST support are generated and emailed to customers. Export payment data to Google Sheets for accounting.