India-first, RBI-licensed payment gateway and payouts platform supporting UPI, cards, net banking, and cross-border payments.
Covers the same: Card payments, Cardless EMI, Credit card EMI, Enach mandates
- Starting price
- Freemium
- Free plan
- Available
- Data status
- Source checked 29 Jul 2026
Verified June 2026 from Cashfree's official charges page. No setup fee and no annual maintenance charge (AMC); per-transaction pricing only. Promotional domestic rate of 1.6% (vs standard 1.95%) applies to UPI, domestic cards, net banking, wallets, and prepaid cards for merchants signing up between 18 Sep 2025 and 30 Apr 2026, locked in for 12 months from signup. Promotional rate eligibility requires monthly transaction volume not exceeding 1 Crore and UPI being at least 40% of monthly GTV. International cards run about 2.69% promotional and 2.99% standard (Visa/Mastercard), 2.95% (Amex), capped at 10 Lakh per month before reverting to standard. Virtual bank accounts carry a small platform fee; forex conversion fees apply on non-INR transactions. Multiple third-party sources cite UPI/RuPay as 0%, but this figure was not confirmed verbatim on the official charges page during this check, and exact category rates may vary by merchant and time. Confirm current figures at https://www.cashfree.com/payment-gateway-charges/ before relying on them.
Better fit when
Indian e-commerce and D2C brands collecting payments online
Watch out for
A merchant who needs next-day cash to fund inventory should not assume the default cycle works, because instant settlement is gated behind an eligibility check
India-first payment gateway for accepting online payments, UPI, payment links, and subscriptions.
Covers the same: Card payments, Enach mandates, Tap to pay, UPI autopay
- Starting price
- Paid / usage-based
- Free plan
- Not listed
- Data status
- Source checked 14 Jul 2026
Verified Jun 2026 (official pricing): Standard plan charges a flat 2% per successful domestic transaction (cards, UPI, netbanking, wallets) with no setup, annual, or refund fees; 18% GST applies on the fee. International cards up to 3%. Settlement T+1 (instant available).
Better fit when
Indian businesses accepting UPI, cards, and netbanking online
Watch out for
Businesses needing payments outside India as the primary market
Payment gateway from PhonePe to accept UPI, cards, net banking, and wallets online, with strong UPI reach and recurring payments.
Covers the same: International card payments, Net banking, UPI autopay, Wallet payments
- Starting price
- Paid / usage-based
- Free plan
- Not listed
- Data status
- Source checked 29 Jul 2026
Verified ~June 2026 from PhonePe's business pricing pages. No setup fee; per-transaction pricing only, standard around 1.95%, with promotional zero-fee periods advertised for limited times and methods/merchants. UPI rates are often lower than card rates. Exact effective rate depends on your payment-method mix, category, and any live promotion. Confirm at https://www.phonepe.com/business-solutions/payment-gateway/pricing/ before relying on these figures.
Better fit when
Indian D2C and SMB sellers whose customers pay mostly via UPI
Watch out for
A finance team that needs a signed rate card before integrating, since PhonePe publishes only a promotional zero fee and no standing rates.
Paytm's all-in-one payment gateway for UPI, cards, net banking, wallets, and EMI, with category-based transaction pricing.
Covers the same: Cardless EMI, International card payments, UPI autopay
- Starting price
- Paid / usage-based
- Free plan
- Not listed
- Data status
- Source checked 29 Jul 2026
Verified ~June 2026 from Paytm for Business pricing. No setup fee and no annual maintenance charge; per-transaction pricing varies by payment source and merchant category. Reported around 1.40% for grocery/kirana, 1.20% for tolls/government/utilities/education, and 1.99% for other categories. Exact rates depend on method and category and change over time. Confirm at https://business.paytm.com/pricing before relying on these figures.
Better fit when
Indian merchants wanting the widest payment-method coverage in one integration
Watch out for
A UPI-first seller with thin margins should compare rates elsewhere, because the flat 1.99 percent applies to UPI exactly as it does to cards
Indian payment gateway for online businesses, accepting cards, UPI, netbanking, wallets and EMI.
Covers the same: Net banking, Wallet payments
- Starting price
- Paid / usage-based
- Free plan
- Not listed
- Data status
- Source checked 29 Jul 2026
No monthly subscription. PayU charges 2% per transaction for domestic cards, net banking, wallets and BNPL, and 3% for EMI, Amex, Diners and international, plus 18% GST (2.36% and 3.54% all-in). UPI and high-volume rates are quoted case by case.
Better fit when
Indian businesses accepting online payments
Watch out for
A cash tight seller who needs money the same day, since standard settlement is T plus 2 and faster settlement costs extra
Developer-first global payments platform with APIs for online payments, billing and subscriptions.
Covers the same: Multi currency, Subscription billing
- Starting price
- Freemium
- Free plan
- Not listed
- Data status
- Source checked 29 Jul 2026
No monthly subscription. Stripe charges per successful transaction (roughly 2% to 3% plus a small flat fee, higher for international/currency conversion). Confirm current India rates with Stripe.
Better fit when
Startups and tech-led businesses
Watch out for
Merchants selling mostly to overseas cardholders, because 3 percent plus 2 percent conversion on international cards sits well above the 2 percent domestic rate.