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Payments & Billing
CCAvenue
One of India's oldest payment gateways, supporting many payment options and multi-currency.
Spec sheet
All-in India price
₹100/mo
For a registered business, billed yearly
- Free plan
- Not available
- Free trial
- Not listed
- Status
- Source checked 29 Jul 2026
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Claim this listingFindThatSoftware verdictEditorial ruling
A solid choice for Indian businesses that want a long-running gateway with very broad payment-option and multi-currency support. Its interface and onboarding feel more legacy than newer gateways, so weigh experience against Razorpay/PayU.
Read the full verdict
Verify current transaction pricing on the official site.
FindThatSoftware has source-checked this listing and keeps 2 public sources visible for buyer verification.
In short
CCAvenue is listed under Payments & Billing, reviewed for Indian buyers. It costs about ₹100/mo before GST, billed in rupees. It issues an India GST invoice, so you can claim input credit. FindThatSoftware rates it best for Indian businesses wanting broad payment options; a poor fit for a UPI heavy D2C brand, since CCAvenue lists UPI in the same 2 percent bucket as cards rather than at a lower rate.
What CCAvenue costs in India
The rupee price a business actually pays, after the card forex markup, with GST shown both ways.
True India price
Registered business, per month, billed yearly
₹100
CCAvenue is billed in rupees at ₹100/mo, so there is no forex markup. A registered business reclaims GST, so that is roughly the cost (₹1,200/yr). Without reclaim, add 18% for about ₹118 a month.
- Sticker price
- ₹100/mo
- GST
- 18%, reclaimable if registered
- Registered per month
- ₹100
- Registered per year
- ₹1,200
- If you can't reclaim GST
- ₹118
- Watch for
- No fixed monthly fee for the standard plan.
More
CCAvenue charges per transaction (around 2% on domestic cards/net banking), with optional plans that trade a setup/annual fee for lower transaction rates. Confirm current rates with CCAvenue.
Indicative, not a bill. The exchange rate is a single mid-market reference, not a live feed, and GST-registered businesses may reclaim input credit. Confirm current pricing on the vendor site.
Full India pricing breakdownPaying for more than CCAvenue? See your whole stack's real India cost and where you could switch to save.
Audit your spendWho CCAvenue fits
What it is, what you gain, what you give up, and who should look elsewhere.
What is CCAvenue?
CCAvenue is a long-established Indian payment gateway supporting many payment options (cards, UPI, netbanking, wallets and EMI), plus multi-currency processing, invoicing and subscription billing. It serves Indian businesses of varying sizes, including those selling internationally.
What you gain, and what you give up.
The case for
- The full rate card is public, with 2 percent on domestic cards, netbanking, wallets and UPI, and no setup fee
- Multi-currency processing covers 26 currencies including USD, GBP, EUR and AED, which suits exporters billing overseas customers directly
- It holds RBI payment aggregator authorisation and PCI DSS certification, with the certificate number stated on the site
The catch
- The 2 percent headline excludes 18 percent GST, so the real domestic cost lands at 2.36 percent of every transaction
- Annual Software Upgradation Charges of ₹1,200 plus GST start from the second financial year, charged monthly in advance every 1 April
- Running CCAvenue through the Shopify plugin adds 0.20 percent on every payment mode processed, on top of the platform fee
- Recurring payments cost ₹15 per mandate creation plus ₹1 validation and ₹1 notification, charges a subscription business only meets after launch
Best for
- Indian businesses wanting broad payment options
- Merchants selling in multiple currencies
- Companies wanting subscription billing
Who should avoid it
- A UPI heavy D2C brand, since CCAvenue lists UPI in the same 2 percent bucket as cards rather than at a lower rate
- Merchants who need offline or POS payments quoted upfront, because that entire section of the rate card says pricing on request
India readiness
How well CCAvenue fits an Indian business operationally, from the verified pricing and company facts we hold.
- ✓GST invoice
Issues a GST-compliant invoice, so a registered business can reclaim input tax.
- ✓Bills in INR
Priced in rupees, so there is no forex conversion or card markup on top.
- ✓India HQ
India-headquartered, so support, timezone, and context are local.
Compare CCAvenue
How it stacks up on what we verified, the tools buyers weigh it against, and where it appears in our guides.
How CCAvenue compares
Against the 8 other payment gateway tools we list, from what we verified on each vendor’s own pages.
Less common among the other payment gateway tools
Recorded for CCAvenue and for at most a third of the 8 others we list.
- SMS notifications
- WhatsApp notifications
- Credit card EMI
- Multi currency
- Payment forms
- Tap to pay
- Tokenisation
- Card payments
Also in most alternatives
Recorded for at least half of the 8 others, and for CCAvenue.
- Wallet payments
- UPI autopay
This compares only the capabilities enough rival tools share for a comparison to mean anything, roughly a quarter of what we verified. The full list is under “What we verified” below, and anything absent from both is something we did not record rather than something the product lacks.
Similar tools to CCAvenue
Compare practical options in the same category by price, fit, and caveats.
Featured in our buying guides
See how CCAvenue stacks up against the best options for a specific kind of business.
Where CCAvenue fits in a workflow
These stacks show when to use this tool, what comes before it, and what should be handled manually first.
What we verified about CCAvenue
Read from CCAvenue’s own pages. Each line is a finding and what it was based on, so you can check any of it yourself.
What CCAvenue does
Features we confirmed28
- WhatsApp notifications
- WhatsApp messages are billed at ₹0.30 each as a value added service
- Wallet payments
- PayZapp, Mobikwik, FreeCharge, JioMoney, OlaMoney and Paytm wallets
- UPI payments
- BHIM, Google Pay, PhonePe, Paytm and Amazon Pay UPI are accepted
- UPI autopay
- UPI recurring is listed as a value added service, priced on request
- Tokenisation
- CCAvenue Vault and TokenPay provide multi-network tokenisation
- Tap to pay
- CCAvenue TapPay accepts contactless payments
- Subscription billing
- Subscriptions handles automated recurring payments
- SMS notifications
- SMS notifications are billed at ₹0.25 per message
- Payment forms
- CCAvenue Forms collects payments with custom forms
- Net banking
- the rate card lists over sixty named net banking banks
- Multi currency
- 27 currencies including USD, GBP, EUR and AED are listed
- International card payments
- international Visa, Mastercard and Amex run at 3 percent
- Enach mandates
- ENACH appears in the value added services rate card
- Credit card EMI
- credit card EMI is priced at 2 percent platform fee
- Card payments
- Visa, RuPay and Mastercard credit and debit cards are supported
- Cardless EMI
- cardless EMI via ShopSe and InstaCred is priced at 3.5 percent
- AI commerce tools
- CCAvenue CommerceAI is a new AI-driven commerce and payments product
- Cooperative bank netbanking
- Saraswat, SVC, NKGSB and Bassein Catholic co-operative banks are listed
- Corporate netbanking
- corporate net banking variants are listed for several major banks
- Credit card on UPI
- RuPay credit card on UPI is priced separately at 2.15 percent
- Invoice payments
- Invoice Payments creates and sends itemised invoices
- Merchant reports
- the standard plan includes an array of reports and a dashboard
- Mobile merchant app
- an Android and iOS merchant app tracks payments on the go
- Payment gateway
- core product accepts payments through multiple channels
- POS terminal
- CCAvenue POS accepts in-store payments through a soundbox device
- Social network instream payments
- CCAvenue S.N.I.P. collects payments inside social networks
- Storefront builder
- Store Front lets a merchant build and run a web store
- Token cryptogram
- token cryptogram requests are priced at ₹0.20 each
What people use it for6
- Sell through social media
- S.N.I.P. collects payments in-stream on social networks
- Sell internationally
- 27-currency processing suits exporters billing overseas customers
- Build an online store
- Store Front builds and runs a web store without separate software
- Accept online payments
- Invoice Payments creates and sends itemised invoices for collection
- Collect recurring subscriptions
- Subscriptions plus eNACH and UPI AutoPay run recurring charges
- Accept in store payments
- CCAvenue POS and TapPay handle offline and contactless acceptance
Works with12
- Shopify
- a Shopify plugin exists with its own 0.20 percent surcharge
- Phonepe
- PhonePe is listed among accepted UPI apps
- Paytm
- Paytm appears as both a wallet and a UPI option
- Mobikwik
- Mobikwik is a named supported wallet
- Google pay
- Google Pay is a listed UPI payment option
- Bhim
- BHIM is shown first among supported UPI apps
- Amazon pay
- Amazon Pay is listed under supported UPI options
- Freecharge
- FreeCharge appears in the full wallet list
- Instacred
- InstaCred is listed alongside ShopSe for cardless EMI
- Jiomoney
- JioMoney is a named supported wallet
- Payzapp
- HDFC PayZapp is listed among accepted wallets
- Shopse
- ShopSe is a named cardless EMI partner
Terms, compliance and how you buy27
- Self serve signup
- the pricing page offers a direct sign up now path on the standard plan
- RBI licensed payment aggregator
- footer cites RBI Certificate of Authorisation No. 251/2025
- PCI DSS certified
- described as an end-to-end PCI-DSS compliant processing provider
- No setup fee
- the standard plan advertises no setup fees and no hidden charges
- ISO 27001 certified
- footer carries a BSI ISO/IEC 27001 certification badge
- GST extra
- 18 percent GST applies on every listed rate
- Dedicated account manager
- a dedicated account manager sits in the Custom tier
- Affiliate and alliance programs
- the site runs Associates and Alliances partner programmes
- Amex diners priced higher
- Amex and Diners Club cards and EMI carry a 3 percent fee
- Annual software upgrade charge
- ASUC of ₹1,200 plus GST applies from the second financial year
- Asuc billed in advance
- ASUC is charged monthly in advance every 1 April, pro-rata after April
- Category based pricing variation
- the page notes commercials may differ by merchant category
- Corporate cards priced higher
- corporate and commercial credit cards cost 3 percent domestically
- Custom settlement schedules
- customised settlement and payout schedules are an enterprise benefit
- Enterprise quote only
- the Custom tier requires contacting sales for tailored pricing
- Flat two percent domestic
- standard plan charges 2.00 percent platform fee on online payments
- India built
- an Indian gateway operated by AvenuesAI serving Indian merchants
- Legacy user experience
- our verdict notes the interface and onboarding feel more legacy than newer gateways
- Long established
- one of India's oldest gateways, now serving nearly 3 million merchants
- Multi country operations
- separate CCAvenue sites operate for Saudi Arabia, UAE and the USA
- Multi currency costs more
- multi-currency processing is charged at 3.5 percent per transaction
- Offline pricing on request
- every offline and POS payment mode says pricing on request
- Published rate card
- full per-mode pricing is public rather than sales-gated
- Recurring mandate fees
- ₹15 per mandate plus ₹1 validation and ₹1 notification charges
- Shopify plugin surcharge
- using the Shopify plugin adds 0.20 percent on every payment mode
- UPI priced same as cards
- UPI sits in the same 2 percent bucket as cards and net banking
- White label and reseller partnerships
- the Custom tier explicitly offers white-label or reseller partnerships
Source trail
Pricing and free-plan claims can change. FindThatSoftware keeps source URLs visible so users can verify before buying.
- CCAvenue pricinghttps://www.ccavenue.com/pricing_iframe.jsp
- CCAvenue (official site)https://www.ccavenue.com/
Verified against the sources above. How we research & rate software →
CCAvenue questions
Does CCAvenue give a GST invoice in India?
- CCAvenue issues an India GST invoice, so a GST-registered business can claim input tax credit on it directly.
Is CCAvenue good for Indian small businesses?
- It suits Indian businesses wanting broad payment options. It bills in rupees and issues a GST invoice, so a registered business claims the GST back. It is not the right pick for a UPI heavy D2C brand, since CCAvenue lists UPI in the same 2 percent bucket as cards rather than at a lower rate.
Does CCAvenue have a free plan?
- CCAvenue does not list a permanent free plan in FindThatSoftware data. Check the official pricing page for trial terms and current offers.
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