Cashfree vs PayU: India Payment Gateway Comparison (2026)

Cashfree's lower headline rate and payouts versus PayU's coverage and enterprise reach.

Head-to-head

Source-backed facts only. FindThatSoftware does not publish invented numeric ratings — each row reflects verified catalog data with the last-verified date shown, and full source links per tool below.

Attribute	Cashfree Payments	PayU
Pricing	Paid / usage-based	Paid / usage-based
Free plan	Not listed	Not listed
Free trial	Not listed	Not listed
India fit	INR pricing	INR pricing
Best for	Indian e-commerce and D2C brands collecting payments online	Indian businesses accepting online payments
Avoid if	Businesses outside India seeking a primary domestic gateway in their own market	Businesses outside India
FindThatSoftware status	Source checked Jun 22, 2026	Curated Jun 22, 2026
Last verified	22 Jun 2026	22 Jun 2026

Cashfree Payments

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

Starting price: Paid / usage-based
Free plan: Not listed
Best for: Indian e-commerce and D2C brands collecting payments online
Avoid if: Businesses outside India seeking a primary domestic gateway in their own market
Data status: Source checked Jun 22, 2026
Pricing caveat: Transaction-fee based: standard 1.95% per transaction on UPI/cards/netbanking/wallets; Amex 2.95%; international 2.99%. No setup fee. New-merchant promo rates may apply. Confirm on vendor site.

Source trail

Cashfree payment gateway charges Cashfree

View profile Visit Cashfree Payments

PayU

Indian payment gateway for online businesses, accepting cards, UPI, netbanking, wallets and EMI.

Starting price: Paid / usage-based
Free plan: Not listed
Best for: Indian businesses accepting online payments
Avoid if: Businesses outside India
Data status: Curated Jun 22, 2026
Pricing caveat: Transaction-fee based, commonly 2% + GST per transaction across UPI, cards, netbanking & wallets; Amex/Diners higher. Vendor pricing page is JS-rendered - confirm exact rates on vendor site.

Source trail

PayU pricing PayU India

View profile Visit PayU

Decision rule

This comparison is intentionally narrow. It is meant to answer which tool someone like you should choose and why, not list every feature.

Cashfree edges PayU on headline rate (1.95% vs ~2% + GST) and is strong on payouts and disbursals, which suits marketplaces. PayU offers very broad coverage and enterprise relationships. For most SMBs Cashfree is the better value; PayU shines for larger merchants needing coverage and account management.

Read Cashfree Payments verdict Read PayU verdict

Which is better: Cashfree Payments or PayU?

Who should choose Cashfree Payments?

Indian e-commerce and D2C brands collecting payments online

What should Indian small businesses check before buying?

Check free-plan limits, paid-seat cost, support availability, integrations, setup effort, and the pricing page directly before committing.

Head-to-head

Attribute	Cashfree Payments	PayU
Pricing	Paid / usage-based	Paid / usage-based
Free plan	Not listed	Not listed
Free trial	Not listed	Not listed
India fit	INR pricing	INR pricing
Best for	Indian e-commerce and D2C brands collecting payments online	Indian businesses accepting online payments
Avoid if	Businesses outside India seeking a primary domestic gateway in their own market	Businesses outside India
FindThatSoftware status	Source checked Jun 22, 2026	Curated Jun 22, 2026
Last verified	22 Jun 2026	22 Jun 2026

Which is better: Cashfree Payments or PayU?