Paytm Payment Gateway alternatives in India

The regular Standard Plan rate is shown struck through next to a limited period zero fee offer whose end date and terms are not published, and the vendor says GST at 18 percent is added to the fee. Rates can differ by payment method but no per method table is shown, so get your method by method rates in writing before going live.

New merchants who sign up between 21 July 2026 and 31 March 2027 pay no platform fee on domestic transactions up to a one time GMV cap, but GST is still charged on the standard rate and the offer can be withdrawn if credit cards make up most of your volume. EMI, pay later, Amex, corporate cards and international cards are always billed at their own higher rates, and instant settlement, split payments and subscriptions carry separate fees.

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.

There is no setup or annual fee, and new merchants activated from July 2026 get a 90 day fee waiver on a capped first slice of domestic volume, which excludes corporate, Amex, Diners, prepaid cards and EMI. Subscriptions and Route are charged on top of the gateway fee, and their lower rates are marked as limited time offers.

The rate depends on the payment method, with corporate cards, Amex, cardless EMI, international cards and multi-currency charged noticeably more than domestic cards and UPI, and the vendor says rates can differ by merchant category. The trap is the fixed extras: a yearly software upgradation charge billed in advance every April from the second financial year, a surcharge on top of every Shopify payment, and per mandate fees for recurring card payments.

The terms allow a non refundable one time setup fee set in the application form, and fees are invoiced with GST details. Rates follow the acquiring bank slab for your sector, so ask for every payment method's rate before you go live.