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Payments & Billing
PhonePe Payment Gateway
Payment gateway from PhonePe to accept UPI, cards, net banking, and wallets online, with strong UPI reach and recurring payments.
FindThatSoftware verdictEditorial ruling
A strong India-first gateway pick when most of your customers pay by UPI. PhonePe's scale tends to help UPI success rates, and the no-setup-fee, per-transaction model suits D2C and SMB sellers. One caveat is that 'zero fee' promotions are time- and method-limited, so confirm your effective blended rate (by payment-method mix) against the standard ~1.95% before committing.
FindThatSoftware has source-checked this listing and keeps 2 public sources visible for buyer verification.
Should you use PhonePe Payment Gateway?
Use it if indian D2C and SMB sellers whose customers pay mostly via UPI. Avoid it if a finance team that needs a signed rate card before integrating, since PhonePe publishes only a promotional zero fee and no standing rates.
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 PhonePe Payment Gateway?
Claim this listing to verify your details, correct pricing, and reach Indian buyers comparing tools right now.
Claim this listing →In short
PhonePe 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 D2C and SMB sellers whose customers pay mostly via UPI, and a poor fit if a finance team that needs a signed rate card before integrating, since PhonePe publishes only a promotional zero fee and no standing rates.
The trade-off, weighed
What you gain, and what you give up.
The case for
- The gateway currently runs at zero transaction fee as a limited period offer, against a struck through 1.99% headline rate.
- Setup fee and annual maintenance fee are both stated as zero, so there is no fixed cost to keep the account open.
- Standard Checkout is a hosted page that removes the PCI DSS burden, with ready plugins for WooCommerce, Shopify, OpenCart and Magento.
The catch
- The free rate is explicitly a limited period offer and the site never states what you pay once that period ends.
- No per instrument rate card is published, so UPI, cards, net banking and international payments all sit behind one struck through 1.99% figure.
- The pricing and FAQ pages on business.phonepe.com render as an empty app shell, so the detail appears only after you sign up.
True India price
What actually changes for a buyer in India.
- Watch for
- Verified ~June 2026 from PhonePe's business pricing pages. No setup fee; per-transaction pricing only, standard around 1.95%, with promotional zero-fee periods advertised for limited times and methods/merchants. UPI rates are often lower than card rates. Exact effective rate depends on your payment-method mix, category, and any live promotion. Confirm at https://www.phonepe.com/business-solutions/payment-gateway/pricing/ before relying on these figures.
India readiness
How well PhonePe 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 PhonePe 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 PhonePe Payment Gateway and for at most a third of the 8 others we list.
- Merchant lending
- Dynamic qr codes
- Rest API
- Credit card acceptance
- Debit card acceptance
- UPI payment acceptance
Also in most alternatives
Recorded for at least half of the 8 others, and for PhonePe Payment Gateway.
- Payment links
- 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.
Paying for more than PhonePe Payment Gateway? See your whole stack's real India cost and where you could switch to save.
Audit my stackOverview
What is PhonePe Payment Gateway?
PhonePe Payment Gateway is the online payment-collection product from PhonePe, one of India's largest UPI apps. It lets businesses accept UPI, debit and credit cards, net banking, and wallets via a hosted checkout, payment links, and dynamic QR codes, with UPI AutoPay for recurring payments and support for international card acceptance. Its main draw is PhonePe's huge UPI footprint, which can lift UPI success rates for India-first merchants.
Best for
- Indian D2C and SMB sellers whose customers pay mostly via UPI
- Businesses wanting payment links and dynamic QR alongside a checkout
- Merchants needing UPI AutoPay for recurring billing
- Sellers who value PhonePe's UPI scale for higher success rates
Who should avoid it
- A finance team that needs a signed rate card before integrating, since PhonePe publishes only a promotional zero fee and no standing rates.
- A merchant budgeting two years ahead, because the current zero fee is a limited period offer with no published successor rate.
What PhonePe Payment Gateway does
What we verified about PhonePe Payment Gateway
Read from PhonePe 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 confirmed30
- Wallet payments
- Wallets are named in the supported payment methods list
- UPI payment acceptance
- Gateway accepts UPI as its headline payment instrument
- UPI autopay mandates
- AutoPay automates flexible subscriptions using UPI mandates
- Rest API
- RESTful APIs are the documented integration surface
- Payment links
- Payment links can be sent over WhatsApp, SMS or email to get paid
- Net banking
- Net banking is listed among supported checkout methods
- Merchant lending
- Merchant Lending sits under PhonePe's business solutions menu
- International card payments
- International Payments is a listed gateway solution
- Dynamic qr codes
- Dynamic QR codes enable UPI collection and reduce entry errors
- Debit card acceptance
- Checkout supports debit cards alongside UPI and net banking
- Credit card acceptance
- Multiple payment methods section names credit cards
- Android sdk
- Native Android apps can use SDK or SDKless integration paths
- Centralised merchant dashboard
- Dashboard gives comprehensive reports and statistics on key metrics
- Custom checkout API
- Custom APIs allow tailored checkout experiences beyond the hosted page
- Device tokenization
- Device Tokenization appears as an online payments product in the footer
- Hosted standard checkout
- Standard Checkout is a hosted page requiring no PCI DSS from the merchant
- In app advertising
- PhonePe Ads is offered to merchants alongside payments
- Instrument health monitoring
- Real-time instrument health tracking spots payment method downtime
- Ios sdk
- iOS integration offers the same SDK and SDKless options
- Low code sdks
- Developer section promises low-code SDKs and RESTful APIs
- Marketplace payments
- Footer lists a marketplace payment gateway solution page
- Offline POS machine
- In-store payments menu includes a POS machine offering
- Payment aggregator product
- Payment Aggregator is offered as a separate online merchant solution
- Pay on delivery
- Pay on Delivery replaces cash on delivery with digital doorstep payment
- Refund management
- Merchant dashboard covers refund tracking alongside settlements
- Sdkless integration
- SDKless path is recommended for React Native and Flutter builds
- Soundbox payment confirmation
- SmartSpeaker is listed under in-store payment hardware
- Success rate analytics
- Dashboard tracks transactions, settlements, refunds and success rates
- Tokenized card checkout
- Tokenised cards are credited with faster error-free checkouts
- White label gateway
- Footer lists a white label payment gateway industry solution
What people use it for5
- Reduce RTO losses
- Pay on Delivery cuts cash handling costs at the doorstep
- Collect recurring subscriptions
- UPI AutoPay is aimed at steady subscription cash flow
- Collect education fees
- Footer lists a dedicated Education Payment Gateway solution
- Pass a security audit
- Hosted Standard Checkout removes the PCI DSS burden from the merchant
- Accept online payments
- A D2C Payment Gateway solution page targets direct-to-consumer brands
Works with5
- Woocommerce
- Ready plugin listed for WooCommerce stores
- Payment links are sent to customers over WhatsApp
- Shopify
- Ready plugin listed for Shopify stores
- Opencart
- FAQ names OpenCart among ready-to-use plugins
- Magento
- Ready plugin listed for Magento stores
Terms, compliance and how you buy18
- Self serve signup
- Merchants register online with easy onboarding, no sales call needed
- Round the clock support
- Signup section advertises 24/7 support for merchants
- RBI authorised payment aggregator
- Footer states PhonePe Limited is an RBI authorised Payment Aggregator
- Pci dss certified
- Infrastructure described as PCI-DSS compliant and audit-ready
- No setup fee
- Pricing page states zero setup fee explicitly
- India first
- Built on PhonePe's Indian consumer base and UPI infrastructure
- Consumer brand trust
- Marketing leans on PhonePe being India's most trusted payments brand
- Enterprise custom pricing
- High-volume merchants get personalised pricing and an account manager
- Fast go live
- Case study cites being up and running in three days
- INR billed
- Rates are quoted in rupee percentages by an Indian entity
- Javascript rendered pricing pages
- business.phonepe.com pricing and FAQ render as an empty app shell
- Limited period offer pricing
- Zero fee is explicitly marked a limited period offer
- No annual maintenance fee
- Pricing page states zero annual maintenance fee
- No free tier
- There is no free plan, only promotional fee waivers
- No per instrument rate card
- UPI, cards and net banking all sit behind one headline figure
- No published post promo rate
- Site never states what merchants pay after the offer ends
- Promotional zero transaction fee
- Super Savings Offer shows 1.99 percent struck through as free
- Transaction fee only pricing
- There is no subscription, only per-transaction charges
Compare PhonePe 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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Compare practical options in the same category by price, fit, and caveats.
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 PhonePe's business pricing pages. No setup fee; per-transaction pricing only, standard around 1.95%, with promotional zero-fee periods advertised for limited times and methods/merchants. UPI rates are often lower than card rates. Exact effective rate depends on your payment-method mix, category, and any live promotion. Confirm at https://www.phonepe.com/business-solutions/payment-gateway/pricing/ before relying on these figures.
PhonePe Payment Gateway pricinghttps://www.phonepe.com/business-solutions/payment-gateway/pricing/PhonePe Payment Gatewayhttps://business.phonepe.com/payment-gateway
Verified against the sources above. How we research & rate software →
In practice
Where PhonePe 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.
Software stack to run a restaurant in India
Run billing, KOT, and inventory on one India-built restaurant POS, pull Swiggy and Zomato orders into the same screen, accept UPI-first payments, collect feedback, bring regulars back on WhatsApp, and keep GST books clean.
- Tools in stack
- 17
Read the record →
Software stack to launch a D2C e-commerce brand in India
Build the store on Shopify or a cheaper India-first builder, collect UPI, cards, and COD through an India gateway, ship and manage COD and returns through an aggregator, and re-engage buyers on WhatsApp.
- Tools in stack
- 14
Read the record →
Software stack to automate WhatsApp leads in India
Move WhatsApp onto the official Business API with a shared inbox, auto-reply and qualify with a no-code bot, pull leads from your forms and ads into the same place, follow up so none go cold, and collect payment with a UPI link in the chat.
- Tools in stack
- 12
Read the record →
Does PhonePe Payment Gateway give a GST invoice in India?
PhonePe Payment Gateway issues an India GST invoice, so a GST-registered business can claim input tax credit on it directly.
Is PhonePe Payment Gateway good for Indian small businesses?
PhonePe Payment Gateway is worth evaluating for Indian buyers, but the final fit depends on pricing limits, support, integrations, and setup effort.
Does PhonePe Payment Gateway have a free plan?
PhonePe 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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