Razorpay vs PayU: India Payment Gateway Comparison (2026)

Two of India's most-used payment gateways compared on fees, features and developer experience.

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	Razorpay	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 businesses accepting UPI, cards, and netbanking online	Indian businesses accepting online payments
Avoid if	Businesses needing payments outside India as the primary market	Businesses outside India
FindThatSoftware status	Source checked Jun 22, 2026	Curated Jun 22, 2026
Last verified	22 Jun 2026	22 Jun 2026

Razorpay

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

Starting price: Paid / usage-based
Free plan: Not listed
Best for: Indian businesses accepting UPI, cards, and netbanking online
Avoid if: Businesses needing payments outside India as the primary market
Data status: Source checked Jun 22, 2026
Pricing caveat: Transaction-fee based: 2% per successful transaction on domestic UPI, cards, netbanking & wallets (+18% GST); corporate cards 2.15%; international up to 3%. No setup or annual fee. Confirm on vendor site.

Source trail

Razorpay pricing Razorpay

View profile Visit Razorpay

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.

Both charge roughly 2% per transaction. Razorpay wins on developer experience, transparent pricing and modern tooling (payment links, subscriptions), making it the easier default for startups and SMBs. PayU suits larger merchants that value broad payment coverage and negotiated enterprise rates. For most Indian businesses integrating payments themselves, Razorpay is the smoother choice.

Read Razorpay verdict Read PayU verdict

Which is better: Razorpay or PayU?

Who should choose Razorpay?

Indian businesses accepting UPI, cards, and netbanking 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	Razorpay	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 businesses accepting UPI, cards, and netbanking online	Indian businesses accepting online payments
Avoid if	Businesses needing payments outside India as the primary 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: Razorpay or PayU?