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Payments & Billing
Paytm Payment Gateway
Paytm's online payment gateway for UPI, cards, net banking and EMI, with one flat platform fee on all transactions for small and mid-sized businesses.
Spec sheet
Pricing
Pay per use
- Free plan
- Not available
- Free trial
- Not listed
- Status
- Source checked 12 Nov 2026
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Claim this listingFindThatSoftware verdictEditorial ruling
Shortlist Paytm if you sell online in India and want a gateway most of your customers already recognise, with no setup or annual fee and a single published rate. The trade-off against Razorpay or Cashfree is pricing shape: Paytm's standard plan charges the same flat fee on UPI as on cards, while rivals usually price UPI and RuPay lower, so a UPI-heavy seller can pay more here.
Read the full verdict
Paytm's own older pricing page still says UPI is free, so get the UPI and RuPay rate confirmed in writing before you sign. If you need international card payments from launch day, plan for the activation step after approval. Larger merchants should ask for the enterprise quote rather than accept the standard rate.
FindThatSoftware has source-checked this listing and keeps 6 public sources visible for buyer verification.
In short
Paytm Payment Gateway is listed under Payments & Billing, reviewed for Indian buyers. It issues an India GST invoice, so you can claim input credit. FindThatSoftware rates it best for Indian merchants wanting UPI, cards, net banking and EMI in one integration; a poor fit for 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.
What Paytm Payment Gateway costs in India
The rupee price a business actually pays, after the card forex markup, with GST shown both ways.
True India price
Paytm Payment Gateway charges per transaction, not a monthly fee, so there is no single monthly price to show. The rate card lists every payment method's rate.
- Watch for
- Online payments on the standard plan carry one flat platform fee on every transaction whatever the payment method, with 18 percent GST added on top and no setup or annual maintenance charge.
More
The category based rates you may see on business.paytm.com belong to the in-store card machine product, not the online gateway, and that page still says UPI is free, which contradicts the online pricing page. Paytm's pricing terms let it change rates without notice and say the final rate is the one communicated after signup, so check your agreement before going live.
Paying for more than Paytm Payment Gateway? See your whole stack's real India cost and where you could switch to save.
Audit your spendWho Paytm Payment Gateway fits
What it is, what you gain, what you give up, and who should look elsewhere.
What is Paytm Payment Gateway?
Paytm Payment Gateway is run by Paytm Payments Services Limited, the Paytm group's licensed online payment aggregator based in New Delhi. It lets Indian businesses accept UPI, credit and debit cards (Visa, Mastercard, Amex, RuPay, Diners), net banking from 50+ banks, EMI and Paytm Postpaid through one integration. Delivery is through APIs, an All-In-One SDK for apps, a JS checkout for web and ready plugins for Shopify, WooCommerce, Magento and other platforms, plus payment links, subscriptions with UPI Autopay and a merchant dashboard. Settlement defaults to next day, with same-day and on-demand options. International cards and 72+ currencies are supported, but card acceptance from abroad is switched on only after the account is approved. Small and mid-sized businesses pay one published platform fee plus GST, and large businesses get a custom quote.
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
Best for
- Indian merchants wanting UPI, cards, net banking and EMI in one integration
- Businesses that want a checkout Indian shoppers already know, with no setup or annual fee
- Teams on Shopify, WooCommerce or Magento that want a ready plugin
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
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.
Compare Paytm Payment Gateway
How it stacks up on what we verified, the tools buyers weigh it against, and where it appears in our guides.
How Paytm Payment Gateway 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 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.
Similar tools to Paytm Payment Gateway
Compare practical options in the same category by price, fit, and caveats.
- PhonePe Payment GatewayIndian D2C and SMB sellers whose customers pay mostly by UPIPaid / usage-based
- Cashfree PaymentsIndian e-commerce and D2C brands collecting payments online through a website, app or Shopify storePaid / usage-based
- PayUIndian businesses accepting online paymentsPaid / usage-based
Featured in our buying guides
See how Paytm Payment Gateway stacks up against the best options for a specific kind of business.
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.
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.
What Paytm Payment Gateway does
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
- Collect recurring subscriptions
- Subscriptions product streamlines recurring billing for merchants
- Collect education fees
- PhysicsWallah testimonial and FAQ naming educational institutions as merchants
- Chase outstanding payments
- Solutions menu includes a For BFSI vertical page
- Accept online payments
- All-In-One SDK targets Android and iOS in-app payment collection
- Reconcile payment settlements
- Dashboard is positioned around reconciliation, refunds and settlement reports
- Run cashback campaigns
- Bank Offers exists to run discount and cashback campaigns via Paytm
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
- 24x7 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
Source trail
Pricing and free-plan claims can change. FindThatSoftware keeps source URLs visible so users can verify before buying.
- Paytm Payment Gateway pricinghttps://business.paytm.com/pricing
- Paytm Payment Gateway pricinghttps://www.paytmpayments.com/pricing
- Paytm pricing terms and conditionshttps://www.paytmpayments.com/pricing-tnc
- Paytm international paymentshttps://www.paytmpayments.com/international-payments
- Paytm Payment Gatewayhttps://www.paytmpayments.com/payment-gateway
- Paytm Payment Gatewayhttps://business.paytm.com/payment-gateway
Verified against the sources above. How we research & rate software →
Paytm Payment Gateway questions
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?
- It suits Indian merchants wanting UPI, cards, net banking and EMI in one integration. 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-first seller with thin margins should compare rates elsewhere, because the flat 1.99 percent applies to UPI exactly as it does to cards.
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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