Instamojo alternatives in India

International cards up to 3%. Settlement T+1 (instant available).

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.

CCAvenue charges per transaction (around 2% on domestic cards/net banking), with optional plans that trade a setup/annual fee for lower transaction rates. Confirm current rates with CCAvenue.

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.

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.

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.