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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 a UPI-first seller with thin margins should compare rates elsewhere, because the flat 1.99 percent applies to UPI exactly as it does to cards.
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
Work at Paytm Payment Gateway?
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Claim this listing →In short
Paytm Payment Gateway is a online payment gateways and billing tools for Indian buyers. It issues an India GST invoice, so you can claim input credit. FindThatSoftware rates it best for indian merchants wanting the widest payment-method coverage in one integration, and a poor fit if a UPI-first seller with thin margins should compare rates elsewhere, because the flat 1.99 percent applies to UPI exactly as it does to cards.
The trade-off, weighed
What you gain, and what you give up.
The case for
- Pricing is one published number. A 1.99 percent platform fee on every transaction plus 18 percent GST, with no setup fee and no annual maintenance charge
- Default settlement is next day rather than two days, and same-day and on-demand settlement options exist for businesses that need faster cash
- Onboarding is digital for eligible businesses and the checkout is the one most Indian shoppers already recognise, which helps conversion
The catch
- The business.paytm.com address now redirects to paytmpayments.com and the entity on record is Paytm Payments Services Limited, so older links point at a moved brand
- The 1.99 percent headline covers all transactions with no separate UPI or RuPay rate published, so a UPI-heavy seller pays the same as on cards
- International card acceptance is not switched on at signup and needs separate activation run by the merchant helpdesk after account approval
- Anything above small and medium business volume goes to a custom enterprise quote, so a large merchant sees no rate before talking to sales
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
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.
How Paytm Payment Gateway compares
Against the 8 other payment gateway toolswe list, from what we verified on each vendor’s own pages.
Less common among the other payment gateway tools
Recorded for Paytm Payment Gateway and for at most a third of the 8 others we list.
- Gift vouchers
- Card tokenization
- Dynamic qr codes
- Ecommerce plugins
- Hosted checkout
- Rest API
- Cardless EMI
- Credit card acceptance
Also in most alternatives
Recorded for at least half of the 8 others, and for Paytm Payment Gateway.
- Payment links
- 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.
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
- A UPI-first seller with thin margins should compare rates elsewhere, because the flat 1.99 percent applies to UPI exactly as it does to cards
- A merchant needing international card payments from day one should not pick Paytm, because activation only happens after the account is approved
What Paytm Payment Gateway does
What we verified about Paytm Payment Gateway
Read from Paytm Payment Gateway’s own pages. Each line is a finding and what it was based on, so you can check any of it yourself.
Features we confirmed39
- UPI payment acceptance
- Product page lists UPI among the supported payment sources for merchants
- UPI autopay mandates
- Subscriptions run on UPI Autopay and are compatible with major UPI apps
- Rest API
- Robust APIs and SDKs are the primary integration route described
- Payment links
- Paytm Payment Links collect payments anywhere in India with no coding
- International card payments
- International Payments product accepts payments from overseas customers
- Instant refunds
- Instant refunds appear as a named product in the payments menu
- Hosted checkout
- Trusted Paytm checkout is a familiar hosted experience for Indian shoppers
- Gift vouchers
- Customer retention tools include gift vouchers alongside reward points
- Ecommerce plugins
- Ready plugins exist for e-commerce platforms with plug-and-play setup
- Dynamic qr codes
- Dynamic QR is listed as a distinct product in the Paytm payments menu
- Debit card acceptance
- FAQ names debit cards as a supported payment instrument at checkout
- Credit card acceptance
- FAQ lists credit cards from Visa, Mastercard, Amex, RuPay and Diners
- Card tokenization
- Token Gateway product and stated tokenization in the security description
- Cardless EMI
- FAQ lists EMIs on credit, debit cards and cardless options
- Amex card acceptance
- Payment instruments FAQ names AMEX as an accepted card network
- Automated reconciliation
- Titan and Blinkit testimonials cite end-to-end automated reconciliation and settlement reports
- Bank offers engine
- Bank Offers lets merchants run discount or cashback offers with real-time applicability rules
- Custom checkout UI
- Custom Checkout product lets merchants power their own payment UI
- Digital onboarding
- Onboarding is described as 100 percent digital with minimal documentation for eligible businesses
- Diners card acceptance
- Payment instruments FAQ names Diners among accepted card networks
- Direct bank integrations
- Page cites direct bank integrations and in-house banking infrastructure
- EMI on cards
- Easy EMI on Cards product needs no additional integration and supports all major banks
- Fraud prevention checks
- Built-in fraud protection and fraud prevention systems are described
- Intelligent payment routing
- Success rates are attributed to intelligent routing across bank connections
- Javascript checkout
- JS Checkout is offered as the desktop web integration option
- Large payment collections
- Large Payment collections is a distinct value-added-services product
- Loyalty reward points
- Comparison table claims reward points and loyalty benefits others lack
- Mobile all in one sdk
- All-In-One SDK is the documented integration path for mobile apps
- Net banking 50 plus banks
- FAQ states net banking is supported from top 50-plus Indian banks
- No cost EMI offers
- Dashboard lets merchants create offers and no-cost EMI options at checkout
- On demand settlement
- Merchants can choose on-demand settlement solutions based on business needs
- Payment analytics dashboard
- Dashboard gives real-time analytics and customisable reports for merchants
- Paytm postpaid bnpl
- Homepage says accept payments via Paytm Postpaid, a buy-now-pay-later instrument
- Paytm wallet acceptance
- Accepts Paytm Wallet alongside cards, which rival gateways cannot offer natively
- Real time currency conversion
- FAQ says international payments need no extra APIs and include real-time currency conversion
- Rupay card acceptance
- Supported card networks explicitly include RuPay, India's domestic card scheme
- Same day settlement
- Settlement options include same-day beyond the default next-day cycle
- Saved cards and UPI ids
- Saved cards and saved UPI IDs are named as success-rate levers
- Subscription recurring payments
- Paytm Subscriptions automates recurring collections for merchants
What people use it for7
- Sell internationally
- International Payments opens the business to overseas buyers
- Run cashback campaigns
- Bank Offers exists to run discount and cashback campaigns via Paytm
- Keep books and share with CA
- Dashboard is positioned around reconciliation, refunds and settlement reports
- Collect recurring subscriptions
- Subscriptions product streamlines recurring billing for merchants
- Collect education fees
- PhysicsWallah testimonial and FAQ naming educational institutions as merchants
- Bfsi collections
- Solutions menu includes a For BFSI vertical page
- Accept online payments
- All-In-One SDK targets Android and iOS in-app payment collection
Works with4
- Woocommerce
- Ready plugin listed for WooCommerce stores
- Payment links can be sent to customers over WhatsApp
- Shopify
- Ready plugin listed for Shopify store owners
- Magento
- Ready plugin listed for Magento e-commerce platform
Terms, compliance and how you buy25
- Self serve signup
- Merchants can sign up for free online without a sales call
- Round the clock support
- 24x7 priority support via the merchant helpdesk is advertised
- Pci dss certified
- Security section states PCI-DSS compliance, encryption and tokenization
- No setup fee
- Pricing page states zero setup fee for merchants
- No annual maintenance charge
- Pricing FAQ says no AMC and no hidden software upgrade charges
- Dedicated account manager
- Pricing page promises a dedicated key account manager
- Consumer recognised checkout
- Positioning leans on a checkout millions of Indian users already know
- Domain migrated from business paytm
- business.paytm.com now redirects to paytmpayments.com, breaking older links
- Enterprise quote only above smb
- Large businesses must consult experts for a custom pricing plan
- Flat percentage mdr
- Standard plan is one 1.99 percent platform fee applicable on all transactions
- GST extra on fees
- Pricing page marks 18 percent GST applicable on top of the platform fee
- High throughput infrastructure
- Claims 10,000 transactions per second handling capacity
- India built
- Operated by Paytm Payments Services Limited registered in New Delhi
- India only merchants
- Entity, pricing and payment mix are all built for Indian merchants
- INR billed
- Fees are charged in rupees by an Indian entity, no forex exposure
- International cards need activation
- FAQ says international card acceptance is activated only after account approval
- Merchant category based rates
- Verified pricing note reports lower rates for grocery, utilities and education categories
- Migration assistance offered
- Pricing page lists migration assistance as a reason to switch
- Next day settlement default
- Comparison table shows default settlement is T+1 while others use T+2
- No free tier
- There is no free plan, only per-transaction fees once live
- No separate UPI rate
- Our review notes no distinct UPI or RuPay rate is published
- Payment aggregator model
- Footer states the online payment aggregator is provided by PPSL
- Transaction fee only pricing
- There is no subscription, only a per-transaction platform fee
- Underwriting set transaction limits
- FAQ says monthly transaction limits are set per merchant after evaluation
- Uptime sla claim
- Advertises 99.99 percent payment gateway uptime
Compare Paytm Payment Gateway
Use these pages when you already know the tool name but need a plain-English decision against real alternatives.
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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.
Does Paytm Payment Gateway give a GST invoice in India?
Paytm Payment Gateway issues an India GST invoice, so a GST-registered business can claim input tax credit on it directly.
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.
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