FindThatSoftwareAlternatives

PayU alternatives in India

Paytm Payment Gateway ranks first here on the reasons people leave PayU and on shared features, but the right pick depends on whether you weigh price, simplicity, automation, or scale most.

6 alternatives, weighed against PayU

Plain-English recommendation

This page exists for buyers who already found a known tool but still need to understand the practical trade-offs.

Why people look for PayU alternatives

PayU is a solid choice for Indian businesses accepting online payments, but it is not the right fit for everyone. The most common reasons buyers on this page are weighing a switch:

A cash tight seller who needs money the same day, since standard settlement is T plus 2 and faster settlement costs extra
GST of 18 percent applies on top of the quoted rate, so 2 percent actually costs 2.36 percent of every transaction
Standard settlement is T plus 2 business days, and same day or priority settlement carries a fee set from your business profile

Pricing note: 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. Start from your actual constraint (cost, complexity, or a missing workflow) and pick the alternative below that fixes it without creating new operational mess.

Alternatives

Best PayU alternatives to compare

Paytm Payment Gateway

Paytm's all-in-one payment gateway for UPI, cards, net banking, wallets, and EMI, with category-based transaction pricing.

Covers the same: Card tokenization, Credit card acceptance, Debit card acceptance, Instant refunds

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

Source trail

Paytm Payment Gateway pricing Paytm Payment Gateway

View Paytm Payment Gateway profile Visit Paytm Payment Gateway

PhonePe Payment Gateway

Payment gateway from PhonePe to accept UPI, cards, net banking, and wallets online, with strong UPI reach and recurring payments.

Covers the same: Credit card acceptance, Debit card acceptance, Net banking, Payment links

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.

Source trail

PhonePe Payment Gateway pricing PhonePe Payment Gateway

View PhonePe Payment Gateway profile Visit PhonePe Payment Gateway

Cashfree Payments

India-first, RBI-licensed payment gateway and payouts platform supporting UPI, cards, net banking, and cross-border payments.

Covers the same: Instant refunds, Net banking, Payment links, Split settlements

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

Source trail

Cashfree payment gateway charges page (pricing, promo rate, eligibility)Cashfree pricing Cashfree official homepage (products, capabilities, customers)

View Cashfree Payments profile Visit Cashfree Payments

Razorpay

India-first payment gateway for accepting online payments, UPI, payment links, and subscriptions.

Covers the same: EMI payments, Instant refunds, Payment links, Wallet payments

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

Source trail

Razorpay pricing Razorpay (official site)

View Razorpay profile Visit Razorpay

CCAvenue

One of India's oldest payment gateways, supporting many payment options and multi-currency.

Covers the same: Net banking, Wallet payments

Starting price: ₹100/mo
Free plan: Not listed
Data status: Source checked 29 Jul 2026

No fixed monthly fee for the standard plan. 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.

Better fit when

Indian businesses wanting broad payment options

Watch out for

A UPI heavy D2C brand, since CCAvenue lists UPI in the same 2 percent bucket as cards rather than at a lower rate

Source trail

CCAvenue pricing CCAvenue (official site)

View CCAvenue profile Visit CCAvenue

Instamojo

India-first payments and online-store platform for small businesses, freelancers and creators.

Covers the same: EMI payments, Payment links, Wallet payments

Starting price: ₹417/mo
Free plan: Available
Data status: Source checked 29 Jul 2026

Free to start with no monthly fee. Instamojo charges per transaction (around 2% to 5% depending on method), with optional paid add-ons and an online store. Confirm current rates with Instamojo.

Better fit when

Freelancers and creators collecting payments

Watch out for

A seller of digital courses or downloads at any volume, because the digital goods rate starts at 10% plus ₹3 per transaction

Source trail

Instamojo pricing Instamojo (official site)

View Instamojo profile Visit Instamojo

Keep researching

More on Online payment gateways and billing tools

Questions

What is the best PayU alternative in India?

Paytm Payment Gateway is the first alternative to check for many India-first buyers because it gives a different trade-off profile from PayU: A solid, broad-coverage gateway for Indian merchants who want every payment method (including Paytm Wallet) in one integration, with no setup or annual fee. Category-based pricing can be favourable for grocery/utilities/education merchants but is ~1.99% for general categories. Check which category your business falls into.

Is there an India-based alternative to PayU?

Paytm Payment Gateway, PhonePe Payment Gateway and Cashfree Payments are India-based alternatives to PayU. India-based tools more often bill in INR, issue a GST invoice, and offer IST-hours support, which removes the card forex markup and the reverse-charge paperwork. Compare them on real all-in cost and fit before switching.

When should I not switch away from PayU?

Indian businesses accepting online payments

How should Indian businesses compare Payments & Billing tools?

For Online payment gateways and billing tools, compare the real monthly cost (in INR, with GST in mind), free-plan limits, setup complexity, India-specific support and integrations, and who each tool is wrong for. The cheapest Payments & Billing tool is not always the best fit if it adds manual work later.

For vendors

Work at PayU?

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Why people look for PayU alternatives

PayU is a solid choice for Indian businesses accepting online payments, but it is not the right fit for everyone. The most common reasons buyers on this page are weighing a switch:

A cash tight seller who needs money the same day, since standard settlement is T plus 2 and faster settlement costs extra

GST of 18 percent applies on top of the quoted rate, so 2 percent actually costs 2.36 percent of every transaction

Standard settlement is T plus 2 business days, and same day or priority settlement carries a fee set from your business profile

Best PayU alternatives to compare

Paytm Payment Gateway

Paytm's all-in-one payment gateway for UPI, cards, net banking, wallets, and EMI, with category-based transaction pricing.

Covers the same: Card tokenization, Credit card acceptance, Debit card acceptance, Instant refunds

Starting price: Paid / usage-based
Free plan: Not listed
Data status: Source checked 29 Jul 2026

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

Source trail

Paytm Payment Gateway pricing Paytm Payment Gateway

View Paytm Payment Gateway profile Visit Paytm Payment Gateway

PhonePe Payment Gateway

Payment gateway from PhonePe to accept UPI, cards, net banking, and wallets online, with strong UPI reach and recurring payments.

Covers the same: Credit card acceptance, Debit card acceptance, Net banking, Payment links

Starting price: Paid / usage-based
Free plan: Not listed
Data status: Source checked 29 Jul 2026

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.

Source trail

PhonePe Payment Gateway pricing PhonePe Payment Gateway

View PhonePe Payment Gateway profile Visit PhonePe Payment Gateway

Cashfree Payments

India-first, RBI-licensed payment gateway and payouts platform supporting UPI, cards, net banking, and cross-border payments.

Covers the same: Instant refunds, Net banking, Payment links, Split settlements

Starting price: Freemium
Free plan: Available
Data status: Source checked 29 Jul 2026

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

Source trail

Cashfree payment gateway charges page (pricing, promo rate, eligibility)Cashfree pricing Cashfree official homepage (products, capabilities, customers)

View Cashfree Payments profile Visit Cashfree Payments

Razorpay

India-first payment gateway for accepting online payments, UPI, payment links, and subscriptions.

Covers the same: EMI payments, Instant refunds, Payment links, Wallet payments

Starting price: Paid / usage-based
Free plan: Not listed
Data status: Source checked 14 Jul 2026

Better fit when

Indian businesses accepting UPI, cards, and netbanking online

Watch out for

Businesses needing payments outside India as the primary market

Source trail

Razorpay pricing Razorpay (official site)

View Razorpay profile Visit Razorpay

CCAvenue

One of India's oldest payment gateways, supporting many payment options and multi-currency.

Covers the same: Net banking, Wallet payments

Starting price: ₹100/mo
Free plan: Not listed
Data status: Source checked 29 Jul 2026

Better fit when

Indian businesses wanting broad payment options

Watch out for

A UPI heavy D2C brand, since CCAvenue lists UPI in the same 2 percent bucket as cards rather than at a lower rate

Source trail

CCAvenue pricing CCAvenue (official site)

View CCAvenue profile Visit CCAvenue

Instamojo

India-first payments and online-store platform for small businesses, freelancers and creators.

Covers the same: EMI payments, Payment links, Wallet payments

Starting price: ₹417/mo
Free plan: Available
Data status: Source checked 29 Jul 2026

Free to start with no monthly fee. Instamojo charges per transaction (around 2% to 5% depending on method), with optional paid add-ons and an online store. Confirm current rates with Instamojo.

Better fit when

Freelancers and creators collecting payments

Watch out for

A seller of digital courses or downloads at any volume, because the digital goods rate starts at 10% plus ₹3 per transaction

Source trail

Instamojo pricing Instamojo (official site)

View Instamojo profile Visit Instamojo

What is the best PayU alternative in India?

Is there an India-based alternative to PayU?

How should Indian businesses compare Payments & Billing tools?