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Payments & Billing
Paytm Payment Gateway
Paytm's all-in-one payment gateway for UPI, cards, net banking, wallets, and EMI, with category-based transaction pricing.
FindThatSoftware verdictEditorial ruling
A solid, broad-coverage gateway for Indian merchants who want every payment method (including Paytm Wallet) in one integration, with no setup or annual fee. Category-based pricing can be favourable for grocery/utilities/education merchants but is ~1.99% for general categories. Check which category your business falls into.
FindThatSoftware has source-checked this listing and keeps 2 public sources visible for buyer verification.
Should you use Paytm Payment Gateway?
Use it if indian merchants wanting the widest payment-method coverage in one integration. Avoid it if general-category merchants seeking the lowest possible blended rate.
Spec sheet
- Starting price
- Paid / usage-based
- Free plan
- Not available
- Free trial
- Not listed
- Status
- Source checked 29 Jul 2026
- Source trail
- 2 public sources
- Affiliate link
- No
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Claim or correct this listing →The trade-off, weighed
What you gain, and what you give up.
The case for
- Widest payment-method coverage, including Paytm Wallet
- No setup fee and no annual maintenance charge
- Lower category rates for grocery/utilities/education
- Mature SDKs, plugins, and dashboard
The catch
- ~1.99% for general categories, not the cheapest
- Pricing varies by category, adding complexity
- India-focused; limited global acquiring
True India price
What actually changes for a buyer in India.
- Watch for
- Verified ~June 2026 from Paytm for Business pricing. No setup fee and no annual maintenance charge; per-transaction pricing varies by payment source and merchant category. Reported around 1.40% for grocery/kirana, 1.20% for tolls/government/utilities/education, and 1.99% for other categories. Exact rates depend on method and category and change over time. Confirm at https://business.paytm.com/pricing before relying on these figures.
India readiness
100/100
How well Paytm Payment Gateway 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.
Capability depth
How far Paytm Payment Gateway goes on each axis, rated 1-5 against a fixed rubric. Every level links the feature that proves it.
Paying for more than Paytm Payment Gateway? See your whole stack's real India cost and where you could switch to save.
Audit my stackOverview
What is Paytm Payment Gateway?
Paytm Payment Gateway (the Paytm All-in-One PG) lets Indian businesses accept a broad set of payment methods through a single integration with SDKs and plugins. That includes UPI, Paytm Wallet, credit/debit cards (Visa, Mastercard, Amex, RuPay, Diners), net banking from 50+ banks, and EMI. It is widely used across e-commerce, services, and offline-to-online merchants, and pricing varies by merchant category.
Best for
- Indian merchants wanting the widest payment-method coverage in one integration
- Businesses in grocery/kirana, utilities, government, or education (lower category rates)
- Sellers who want Paytm Wallet acceptance alongside UPI and cards
- Teams wanting SDKs/plugins for quick integration
Who should avoid it
- General-category merchants seeking the lowest possible blended rate
- Businesses needing primary acquiring outside India
- Teams wanting a single flat rate across all methods/categories
Pros
- Widest payment-method coverage, including Paytm Wallet
- No setup fee and no annual maintenance charge
- Lower category rates for grocery/utilities/education
- Mature SDKs, plugins, and dashboard
Cons
- ~1.99% for general categories, not the cheapest
- Pricing varies by category, adding complexity
- India-focused; limited global acquiring
What Paytm Payment Gateway does
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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 Paytm for Business pricing. No setup fee and no annual maintenance charge; per-transaction pricing varies by payment source and merchant category. Reported around 1.40% for grocery/kirana, 1.20% for tolls/government/utilities/education, and 1.99% for other categories. Exact rates depend on method and category and change over time. Confirm at https://business.paytm.com/pricing before relying on these figures.
Paytm Payment Gateway pricinghttps://business.paytm.com/pricingPaytm Payment Gatewayhttps://business.paytm.com/payment-gateway
Verified against the sources above. How we research & rate software →
In practice
Where Paytm Payment Gateway fits in a workflow
These stacks show when to use this tool, what comes before it, and what should be handled manually first.
Should you use Paytm Payment Gateway?
Use Paytm Payment Gateway if indian merchants wanting the widest payment-method coverage in one integration. Avoid it if general-category merchants seeking the lowest possible blended rate.
Is Paytm Payment Gateway good for Indian small businesses?
Paytm Payment Gateway is worth evaluating for Indian buyers, but the final fit depends on pricing limits, support, integrations, and setup effort.
Does Paytm Payment Gateway have a free plan?
Paytm Payment Gateway does not list a permanent free plan in FindThatSoftware data. Check the official pricing page for trial terms and current offers.
Not sure if Paytm Payment Gateway is the right fit?
Request help comparing this product against alternatives in the same category.