Razorpay and PayU compared on transaction fees, features and developer experience, with a recommendation for Indian businesses choosing a gateway.
Razorpay and PayU are both long-standing, widely-supported Indian payment gateways. If you are choosing between them, here is how they actually compare on fees, features and experience.
Razorpay charges a flat 2% per successful transaction on domestic UPI, cards, netbanking and wallets, with no setup or annual fee and transparent published rates.
PayU is commonly quoted around 2% + GST per transaction across the same methods, with Amex and Diners higher. Its public pricing page is light on numbers, so you confirm your exact rate during onboarding.
On headline rate the two are close; the difference is mostly transparency and negotiated pricing at volume.
Razorpay is known for its clean developer experience, well-documented APIs, payment links, subscriptions and a polished dashboard - which saves real time if you are integrating into a custom app.
PayU has very broad payment-method coverage and deep enterprise relationships, and is supported across most Indian platforms. It is a safe, established choice, particularly for larger merchants who value coverage and account management.
For a startup or SMB integrating payments themselves, Razorpay is usually the smoother path. PayU shines for larger merchants who value coverage and negotiated rates. Compare all gateways in our payment gateway charges guide.
Rates change and are negotiable at volume; confirm current pricing on each provider's site.
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Start with the product itself: a place to write and ship code, host it reliably, and catch errors in production, because nothing else matters until customers can actually use what you built. Next, get the team coordinated with project management and a shared knowledge base so work and decisions are not lost in chat. Then put customer acquisition on a real CRM so leads, demos, and deals are tracked rather than living in inboxes. Add billing and accounting once you have paying users, choosing payment rails that fit whether you sell to India, abroad, or both, and keep GST-clean books from day one. Finish with customer support, product analytics, and access security so you can keep users happy, see what they actually do, and not get breached. Do not buy enterprise sales, analytics, and security suites before you have product-market signal; sequence around shipping and getting your first paying customers.
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Start by choosing the right no-code platform for what you are building, because a customer-facing web app, a mobile app, and an internal portal each suit different tools. Next, model your data cleanly in a database or spreadsheet backend, since a messy data model is the most common reason no-code projects collapse later. Then build the interface and logic so users have real screens and workflows, not just a database. Add payments, forms, and automations to connect your app to the outside world and remove manual work. Finish by launching, securing team access, and measuring usage so you know the app works and is safe. Do not expect no-code to scale infinitely; it is excellent for validating and running real workflows, but be honest about its ceilings and plan to move to custom code if you outgrow it.
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Start by choosing a website builder that matches your skill and needs, because the builder decides how fast you launch and what you can do later. Sort your domain and hosting next, remembering that most builders bundle hosting while self-hosted WordPress needs its own, so you do not pay twice. Then design and write the site so it looks credible and explains clearly what you offer, since a confusing site loses visitors in seconds. Add lead capture, booking, and payment tools so the site actually does something, whether that is collecting enquiries, taking appointments, or selling. Finish by getting found and measuring, with basic SEO, a Google presence, and analytics so you know what is working. Do not over-build a complex site before you have visitors; launch a clear, fast site and improve it with real data.
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