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Payments & Billing
PayU
Indian payment gateway for online businesses, accepting cards, UPI, netbanking, wallets and EMI.
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 PayU if you are an Indian business that wants an established gateway with published card and net banking rates, EMI and international card acceptance, and no setup or annual fee. Before signing, get the UPI rate in writing, since that is the mode most Indian buyers use and PayU quotes it by business type and volume.
Read the full verdict
Also ask what priority settlement costs if your cash flow cannot wait two days. Against Razorpay or Cashfree the headline card rates are similar, so the decision usually comes down to the UPI quote, settlement speed and how well the plugin fits your store. The monthly commission invoice is downloadable from the dashboard, and adding your GSTIN at KYC lets you claim input credit on the fee.
FindThatSoftware has source-checked this listing and keeps 8 public sources visible for buyer verification.
In short
PayU 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 businesses accepting online payments; a poor fit for a cash tight seller who needs money the same day, since standard settlement is T plus 2 and faster settlement costs extra.
What PayU costs in India
The rupee price a business actually pays, after the card forex markup, with GST shown both ways.
True India price
PayU 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
- No monthly subscription.
More
PayU charges 2% per transaction for domestic cards, net banking, wallets and BNPL, and 3% for EMI, Amex, Diners and international, plus 18% GST (2.36% and 3.54% all-in). UPI and high-volume rates are quoted case by case.
Paying for more than PayU? See your whole stack's real India cost and where you could switch to save.
Audit your spendWho PayU fits
What it is, what you gain, what you give up, and who should look elsewhere.
What is PayU?
PayU is an online payment gateway run in India by PayU Payments Private Limited, part of the Prosus group. It lets a business accept cards, UPI, net banking, wallets, EMI and buy now pay later at checkout, and the vendor says it supports more than 150 payment methods, including international cards in many currencies. Merchants integrate through hosted checkout, payment links and buttons, plugins for Shopify, WooCommerce and BigCommerce, or REST APIs, mobile SDKs and webhooks. Add ons cover recurring billing, split and priority settlement, payouts, instant refunds and in store QR and POS. Pricing is a per transaction fee deducted from settlements, standard settlement is two days after the transaction, and merchant UPI rates are not published.
What you gain, and what you give up.
The case for
- Rates are published plainly: 2 percent for domestic cards, net banking, wallets and BNPL, and 3 percent for EMI, Amex, Diners and international
- No setup fee, onboarding fee or annual maintenance charge, so you pay only on completed transactions
- Dashboard reports can be filtered and emailed on a daily, weekly or monthly schedule, and a monthly commission invoice is downloadable for GST input credit
The catch
- GST of 18 percent applies on top of the quoted rate, so 2 percent actually costs 2.36 percent of every transaction
- Merchant UPI pricing is not published and varies by business type and volume, which is the mode most Indian buyers care about
- Standard settlement is two days after the transaction date, and same day or priority settlement may carry a fee set from your business profile
- The merchant terms let PayU revise its fees with prior notice, and it can end the agreement if you do not accept the new fees
Best for
- Indian businesses accepting online payments
- Stores needing UPI, cards and EMI
- Teams wanting recurring payments
Who should avoid it
- A cash tight seller who needs money the same day, since standard settlement is T plus 2 and faster settlement costs extra
- Merchants whose volume is mostly UPI, because that rate is quoted case by case instead of being published
India readiness
How well PayU 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 PayU
How it stacks up on what we verified, the tools buyers weigh it against, and where it appears in our guides.
How PayU 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 PayU and for at most a third of the 8 others we list.
- WhatsApp payments
- Card tokenization
- Split settlements
- Credit card acceptance
- Debit card acceptance
- EMI payments
- UPI payment acceptance
Also in most alternatives
Recorded for at least half of the 8 others, and for PayU.
- Payment links
- Wallet payments
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 PayU
Compare practical options in the same category by price, fit, and caveats.
- Paytm Payment GatewayIndian merchants wanting UPI, cards, net banking and EMI in one integrationPaid / usage-based
- 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
Featured in our buying guides
See how PayU stacks up against the best options for a specific kind of business.
What we verified about PayU
Read from PayU’s own pages. Each line is a finding and what it was based on, so you can check any of it yourself.
What PayU does
Features we confirmed38
- WhatsApp payments
- Dedicated Payments on WhatsApp product page for selling on WhatsApp
- Wallet payments
- Wallets are named among the 150-plus supported payment modes
- UPI payment acceptance
- PayU markets a UPI payment gateway letting customers pay from bank accounts
- Split settlements
- Split Settlements is listed under manage-payments products
- Payment links
- PayU payment links collect over SMS, WhatsApp and Facebook without a website
- Net banking
- Net banking is listed among the supported payment modes
- Instant refunds
- Instant Refunds disburse refunds within five minutes of the request
- EMI payments
- EMI sits under the Affordability Suite of the product menu
- Debit card acceptance
- Debit cards are named as a supported mode on the gateway page
- Credit card acceptance
- Payment gateway page lists credit cards among 150-plus payment modes
- Card tokenization
- Token Hub stores card details in line with RBI tokenisation guidelines
- Accounting automation
- Accounting Automation is a named product in the PayU product list
- Affordability widget
- Affordability Widget surfaces EMI and BNPL options on product pages
- API playground
- Developer menu links an API Playground alongside API references
- Bharat qr payments
- Bharat QR makes payments contactless across 140-plus UPI apps
- Bnpl acceptance
- Buy Now Pay Later is a named product in the Affordability Suite
- Cross border payments
- Cross-border payments is listed as a separate PayU product
- Excel bulk payment plugin
- Excel Plugins appear as a distinct no-code product in the footer
- Fraud and risk tools
- Risk management tools are said to cut chargeback and fraud losses
- GST compliant invoices
- Payment invoices are described as GST-compliant with an inbuilt payment link
- Hosted payment store
- Payment Website/Store product for sellers with no site of their own
- In store qr collections
- Bharat QR is pitched for in-store and doorstep digital collections
- Intelligent routing
- Pricing page credits intelligent routing with reducing retries and failures
- International payments 150 countries
- FAQ says international acceptance via Visa, Mastercard and Amex in 150-plus countries
- Loyalty program support
- Loyalty Edge is a named affordability product on the site
- Merchant credit access
- PayU Vista is pitched as improved financial access and credit for merchants
- Mobile app sdks
- SDKs cover iOS, Android and React Native app checkout
- Multi currency acceptance
- FAQ names USD, EUR, GBP, AUD, AED, SGD, BHD and NZD support
- Native OTP checkout
- Native OTP gives one-click card payment experience inside checkout
- Offer engine
- Offer Engine sits in the Affordability Suite for checkout discounts
- Payment buttons
- Web payment buttons monetise a website or blog directly
- Payouts
- PayU Payouts is listed as a distinct product in the footer
- POS machines
- POS appears under Other Products for offline card acceptance
- Priority settlements
- Priority Settlements offer instant settlement instead of the T+2 default
- Recurring payments suite
- Recurring payments suite automates collections and custom subscription plans
- Server side sdk coverage
- FAQ lists cURL, Python, PHP, Node, Ruby, Java and Go support
- Vernacular checkout
- Checkout for Bharat offers a multi-lingual checkout for tier 2 and 3 cities
- Virtual banking accounts
- PayU Vista provides customised virtual banking accounts and credit solutions
What people use it for8
- Sell over WhatsApp
- A whole product page covers growing a business on WhatsApp with PayU
- Reduce RTO losses
- D2C bundle is described as covering checkout, payments and RTO
- Recover abandoned carts
- Web checkout is explicitly positioned to reduce cart abandonment
- Accept in store payments
- Bharat QR is sold for making doorstep collections digital
- Collect recurring subscriptions
- Recurring payments suite targets subscription business models
- Accept online payments
- Payment links are pitched for merchants who do not have a website yet
- Sell internationally
- Indian merchants can bill overseas customers in several currencies
- Send GST invoice with payment link
- Invoices product combines GST compliance with an embedded payment link
Works with6
- Woocommerce
- Plugins FAQ names WooCommerce as a supported platform
- Payment links and a dedicated product work through WhatsApp
- Shopmatic
- Plugins FAQ names Shopmatic among third-party platform plugins
- Shopify
- Plugins FAQ names Shopify as a supported platform
- FAQ says payment links can be shared over Facebook
- Bigcommerce
- Plugins FAQ names BigCommerce as a supported platform
Terms, compliance and how you buy23
- Startup credit program
- PayU Startup Program offers 100k dollars of credits and mentorship
- 24x7 support
- Support team advertised as available 24/7 for merchants
- RBI authorised payment aggregator
- Gateway page states PayU is an RBI-authorised payment aggregator
- No setup fee
- Pricing FAQ states no setup, onboarding or annual fees
- India first
- Product, rates and payment mix are all built around Indian merchants
- 150 plus payment modes
- Headline claim is support for over 150 payment methods
- Dedicated account manager on custom plans
- Custom pricing tier includes a dedicated account manager
- GST extra 18 percent
- Pricing page states 18 percent GST applies on all transactions
- INR billed
- Rates are quoted in rupees with Indian GST added
- Large installed base
- Claims 4.5 to 5 lakh Indian merchants already using the gateway
- No annual maintenance fee
- Pricing page says PayU charges no annual maintenance charge
- No free tier
- There is no free plan, only per-transaction MDR after signup
- Paid faster settlement
- Same-day or priority settlement carries a fee set from business profile
- PCI DSS level 1 certified
- Benefits section claims PCI-DSS Level 1 certification
- Pricing changeable at discretion
- Footnote reserves the right to change pricing at PayU's own discretion
- Restricted business categories
- Site publishes a Banned and Restricted List of Business
- Self serve onboarding
- FAQ describes 100 percent online onboarding and KYC activation
- Three percent premium card mdr
- Diners, Amex, EMI and international transactions carry 3 percent
- T plus 2 default settlement
- Standard settlement is two business days after the transaction
- Two percent domestic mdr
- Published 2 percent for Visa, Mastercard, net banking, BNPL and wallets
- UPI rate not published
- FAQ says merchant UPI pricing varies by business type and volume
- Usage based mdr pricing
- Pay-as-you-use model charges only on completed transactions
- Volume based custom mdr
- Custom slabs are offered based on volume, industry and business model
Source trail
Pricing and free-plan claims can change. FindThatSoftware keeps source URLs visible so users can verify before buying.
- PayU pricinghttps://payu.in/pricing/
- PayU docs: scheduled reportshttps://docs.payu.in/docs/schedule-reports
- PayU payment gatewayhttps://payu.in/payment-gateway/
- PayU (official site)https://payu.in/
- PayU about us (Prosus ownership)https://payu.in/about-us/
- PayU docs: KYC with GSTINhttps://docs.payu.in/docs/complete-your-kyc
- PayU docs: monthly TDR invoicehttps://docs.payu.in/docs/download-monthly-tdr-report
- PayU merchant terms (entity, fee revisions)https://devguide.payu.in/website-assets/uploads/2024/10/6.-Merchant-Terms-and-Conditions-applicable-for-availing-Online-Payment-Aggregation-Services-on-Internet-Handling.pdf
Verified against the sources above. How we research & rate software →
PayU questions
Does PayU give a GST invoice in India?
- PayU issues an India GST invoice, so a GST-registered business can claim input tax credit on it directly.
Is PayU good for Indian small businesses?
- It suits Indian businesses accepting online payments. 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 cash tight seller who needs money the same day, since standard settlement is T plus 2 and faster settlement costs extra.
Does PayU have a free plan?
- PayU 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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