Wallet payments tools for Indian businesses
The 6 wallet payments tools we track, with verified India pricing (forex-adjusted), honest trade-offs, and the caveats most directories skip.
Quick answer: of the 6 wallet payments tools we track, 2 offer a free plan, and paid monthly plans run about ₹100–₹417 for a GST-registered business (after the card forex markup). The prices below are the India cost for a registered business, not the sticker. GST is extra if you cannot reclaim it.
| Tool | India price | Free plan | Best for |
|---|---|---|---|
| Cashfree Payments | Usage-based | Yes | Indian e-commerce and D2C brands collecting payments online |
| PhonePe Payment Gateway | Usage-based | — | Indian D2C and SMB sellers whose customers pay mostly via UPI |
| Razorpay | Usage-based | — | Indian businesses accepting UPI, cards, and netbanking online |
| CCAvenue | ₹100/mo | — | Indian businesses wanting broad payment options |
| Instamojo | ₹417/mo | Yes | Freelancers and creators collecting payments |
| PayU | Usage-based | — | Indian businesses accepting online payments |
Prices are the entry plan converted to rupees at an effective card rate (mid-market plus the forex markup), the cost a GST-registered business nets. GST adds 18% if you cannot reclaim it, and some Indian vendors already include it. Indicative, not your exact bill. Confirm each plan on the vendor site.
Explore related needs
Tools that solve wallet payments often overlap with these.