PhonePe Refer and Earn – How To Sign up PhonePe Account -�PhonePe Founded in December 2015. This is a Fin-Tech company which headquartered in Bangalore, India. PhonePe provides online payment system based on Unified Payments Interface (UPI). UPI is a new process in electronic funds transfer launched by National Payments Corporation of India (NPCI). PhonePe also providing refer and earn program�in this you can earn Rs.75 per refer up to Rs.7500.