India needs a Ko-fi/Gumroad equivalent that actually works with UPI
I keep seeing people asking for startup ideas, so here's one I've noticed:
Why isn't there a really simple Indian equivalent of Ko-fi/Gumroad where someone can create a page, sell digital products/services, accept payments, and then withdraw their earnings directly through UPI?
There are platforms that solve parts of this, but a lot of the existing creator/payment ecosystem still involves things like PayPal or Stripe, which can be considerably more complicated for a young Indian creator or someone running a tiny side business.
And India seems like a particularly good market for this. There are tons of young people selling things online now digital art, templates, notes, courses, design work, commissions, small products, etc. A lot of them don't want to set up a full-fledged business/payment stack just to receive ₹200 from someone.
Imagine something like:
Create page → add product/service → share link → customer pays via UPI → money sits in your platform balance → withdraw to bank/UPI.
Basically Ko-fi/Gumroad + UPI + an India-first onboarding experience.
The interesting question is why this hasn't become the obvious default yet. Is the difficult part regulation/compliance, payment settlement, taxes, fraud/chargebacks, or is there simply not enough demand?
If someone built this properly, I'd be curious to hear what the biggest technical/regulatory obstacle would actually be.