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Payments & Billing
Cashfree Payments
India-first, RBI-licensed payment gateway and payouts platform supporting UPI, cards, net banking, and cross-border payments.
FindThatSoftware verdictEditorial ruling
Strong India-first choice for collecting payments online: native UPI/RuPay support, full RBI licensing including cross-border (PA-CB), and competitive INR-denominated pricing make it well-suited for Indian D2C, SaaS, and marketplace sellers. Caveat: the headline promotional rate carries volume and UPI-mix eligibility conditions, so verify your effective rate against your own transaction profile before committing, and confirm cross-border/forex charges if you sell internationally.
FindThatSoftware has source-checked this listing and keeps 6 public sources visible for buyer verification.
Should you use Cashfree Payments?
Use it if indian e-commerce and D2C brands collecting payments online. Avoid it if businesses outside India seeking a primary domestic gateway in their own market.
Spec sheet
- Starting price
- Freemium
- Free plan
- Available
- Free trial
- Not listed
- Status
- Source checked 13 Jul 2026
- Source trail
- 6 public sources
- Affiliate link
- No
Is this your product? Claim or correct this listing
The trade-off, weighed
What you gain, and what you give up.
The case for
- RBI-licensed for PA, cross-border (PA-CB), and PPI, giving regulatory trust
- Native, India-first UPI and RuPay support with broad payment-mode coverage
- No setup fee and no annual maintenance charge
- Integrated payouts, recurring payments, and KYC alongside collections
- Cross-border collections in 140+ currencies with INR settlement
- Proven scale with 1M+ businesses and large brand customers
The catch
- Headline promotional rate has volume cap and UPI-mix eligibility conditions
- Standard domestic rate (1.95%) is notably higher than the promotional rate
- International card and forex charges add cost for cross-border sellers
- Exact per-category rates (e.g., UPI/RuPay) can vary and need direct verification
- India-centric; not a primary gateway for businesses based outside India
True India price
What actually changes for a buyer in India.
- Try first
- Has a free plan, so you can start without a card.
- Watch for
- Verified June 2026 from Cashfree's official charges page. No setup fee and no annual maintenance charge (AMC); per-transaction pricing only. Promotional domestic rate of 1.6% (vs standard 1.95%) applies to UPI, domestic cards, net banking, wallets, and prepaid cards for merchants signing up between 18 Sep 2025 and 30 Apr 2026, locked in for 12 months from signup. Promotional rate eligibility requires monthly transaction volume not exceeding Rs 1 Crore and UPI being at least 40% of monthly GTV. International cards: ~2.69% promotional / 2.99% standard (Visa/Mastercard), 2.95% (Amex), capped at Rs 10 Lakh/month before reverting to standard. Virtual bank accounts start at a Rs 20 platform fee; forex conversion fees apply on non-INR transactions. Note: multiple third-party sources cite UPI/RuPay as 0%, but this figure was not confirmed verbatim on the official charges page during this check and exact category rates may vary by merchant and time — confirm current figures at https://www.cashfree.com/payment-gateway-charges/ before relying on them.
Paying for more than Cashfree Payments? See your whole stack's real India cost and where you could switch to save.
Audit my stackOverview
What is Cashfree Payments?
Cashfree Payments is a Bengaluru-based, RBI-licensed payment aggregator offering payment collection (180+ payment modes including UPI, cards, net banking, wallets, BNPL, and EMI), payouts and bulk disbursals, recurring payments via UPI AutoPay and eNACH, and cross-border collections in 140+ currencies with INR settlement. It holds RBI Payment Aggregator (PA), Payment Aggregator-Cross Border (PA-CB), and Prepaid Payment Instrument (PPI) licences, and serves over a million Indian businesses including Swiggy, Nykaa, CRED, and Meesho. It also offers a Secure ID KYC/verification suite (Aadhaar, GST, video KYC).
Best for
- Indian e-commerce and D2C brands collecting payments online
- SaaS and subscription businesses needing UPI AutoPay and eNACH recurring billing
- Marketplaces and platforms needing bulk payouts and vendor disbursals
- Businesses needing cross-border collections with INR settlement (PA-CB licensed)
- Companies wanting integrated KYC/identity verification alongside payments
Who should avoid it
- Businesses outside India seeking a primary domestic gateway in their own market
- Teams wanting fully transparent flat pricing without volume/UPI-mix eligibility conditions
- Very high-volume merchants who would be better served negotiating custom enterprise pricing upfront
- Use cases needing deep global card acquiring beyond India-centric cross-border flows
Pros
- RBI-licensed for PA, cross-border (PA-CB), and PPI, giving regulatory trust
- Native, India-first UPI and RuPay support with broad payment-mode coverage
- No setup fee and no annual maintenance charge
- Integrated payouts, recurring payments, and KYC alongside collections
- Cross-border collections in 140+ currencies with INR settlement
- Proven scale with 1M+ businesses and large brand customers
Cons
- Headline promotional rate has volume cap and UPI-mix eligibility conditions
- Standard domestic rate (1.95%) is notably higher than the promotional rate
- International card and forex charges add cost for cross-border sellers
- Exact per-category rates (e.g., UPI/RuPay) can vary and need direct verification
- India-centric; not a primary gateway for businesses based outside India
What Cashfree Payments does
Compare Cashfree Payments
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Comparison pages
Cashfree vs PayU: India Payment Gateway Comparison (2026)Cashfree's lower headline rate and payouts versus PayU's coverage and enterprise reach.Razorpay vs Cashfree for an Indian businessRazorpay is the safer default for most Indian businesses that need fast, broad online payments. Cashfree pulls ahead for marketplaces and cross-border collections thanks to its payouts and PA-CB licensing.
Pricing caveat and source trail
Pricing and free-plan claims can change. FindThatSoftware keeps source URLs visible so users can verify before buying.
Verified June 2026 from Cashfree's official charges page. No setup fee and no annual maintenance charge (AMC); per-transaction pricing only. Promotional domestic rate of 1.6% (vs standard 1.95%) applies to UPI, domestic cards, net banking, wallets, and prepaid cards for merchants signing up between 18 Sep 2025 and 30 Apr 2026, locked in for 12 months from signup. Promotional rate eligibility requires monthly transaction volume not exceeding Rs 1 Crore and UPI being at least 40% of monthly GTV. International cards: ~2.69% promotional / 2.99% standard (Visa/Mastercard), 2.95% (Amex), capped at Rs 10 Lakh/month before reverting to standard. Virtual bank accounts start at a Rs 20 platform fee; forex conversion fees apply on non-INR transactions. Note: multiple third-party sources cite UPI/RuPay as 0%, but this figure was not confirmed verbatim on the official charges page during this check and exact category rates may vary by merchant and time — confirm current figures at https://www.cashfree.com/payment-gateway-charges/ before relying on them.
Cashfree payment gateway charges page (pricing, promo rate, eligibility)https://www.cashfree.com/payment-gateway-charges/Cashfree pricinghttps://www.cashfree.com/pricing/Cashfree official homepage (products, capabilities, customers)https://www.cashfree.com/Business Standard: Cashfree gets RBI PA-CB licencehttps://www.business-standard.com/companies/start-ups/cashfree-payments-gets-payment-aggregator-cross-border-licence-from-rbi-124072201242_1.htmlCashfree (official site)https://www.cashfree.com/IBS Intelligence: Cashfree obtains RBI PPI licencehttps://ibsintelligence.com/ibsi-news/cashfree-payments-obtains-rbis-prepaid-payment-instrument-licence/
Verified against the sources above. How we research & rate software →
In practice
Where Cashfree Payments fits in a workflow
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Should you use Cashfree Payments?
Use Cashfree Payments if indian e-commerce and D2C brands collecting payments online. Avoid it if businesses outside India seeking a primary domestic gateway in their own market.
Is Cashfree Payments good for Indian small businesses?
Cashfree Payments is worth evaluating for Indian buyers, but the final fit depends on pricing limits, support, integrations, and setup effort.
Does Cashfree Payments have a free plan?
Cashfree Payments lists a free plan, but check the official pricing page for current usage limits before choosing it.
Not sure if Cashfree Payments is the right fit?
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