Razorpay vs PayU: Which Payment Gateway for India? (2026)

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.

At a glance

Fees

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.

Features and experience

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.

The verdict

• Cleanest developer experience and modern features: Razorpay.
• Established player, broad coverage, enterprise relationships: PayU.
• Most SMBs: Razorpay's transparency and tooling make it the easier default.

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.