Airpay

by Airpay Payment Services · Mumbai, Maharashtra · Since 2012

Omnichannel payments with gateway and POS.

Payment gateways & UPI Workflow automation & integration POS & retail billingMade in India

Starting price: Per-transaction MDR; No setup fee, no annual fee (per homepage)
Free trial / plan: No free plan; Charges apply per transaction
Deployment: Cloud; Web
App Advisor rating: 4.6; transparency & India fit

What is Airpay?

Airpay is an Indian payment aggregator founded in 2012. It sells one merchant account that collects payments online, at the counter and across borders. The online side covers a hosted gateway, payment links, Invoicepay, subscriptions with mandates, virtual accounts and Dash Checkout. Offline it offers Smart POS terminals, Soft POS on a phone, Bharat QR and soundboxes. Airpay's site claims more than 3 lakh merchants, and the company has historically focused on SMEs and MSMEs rather than only venture-funded startups.

The regulatory position is a real point in its favour. In December 2025 the RBI granted Airpay cross-border payment aggregator authorisation, and news coverage says it now holds all three categories: online (PA-O), physical/POS and QR (PA-P), and cross-border (PA-CB). Only a few Indian players have all three, among them Razorpay, PayU, Pine Labs and Easebuzz. With PA-CB, an exporter or SaaS seller can collect USD, GBP and EUR from overseas clients through the same account used for domestic UPI and cards.

For developers, the docs at docs.airpay.co.in cover payments, QR codes, UPI VPA validation, split settlements, refunds, payment links, subscriptions and virtual accounts. Ready plugins exist for WooCommerce, Shopify, Magento, Wix, OpenCart, PrestaShop, Moodle, Zoho Commerce, Fynd and several more. Mobile SDKs cover Android, iOS, Flutter, React Native, Cordova and Ionic. Airpay's catalogue is broader than most gateways, with prepaid cards, business loans, e-Sign and AML screening on top of payments.

Pricing is the part to check before you sign. The homepage promises flat pricing with no setup fee and no annual fee, but it does not list a merchant discount rate. The rate card is a PDF made of images, not readable text, so ask sales for written per-method rates for UPI, debit cards, credit cards, wallets and EMI, and whether GST is extra. Also ask about settlement timelines. Neither the homepage nor the developer docs state the settlement cycle.

What works well

+Holds RBI payment aggregator authorisation for online, physical/POS and cross-border payments
+Online gateway, Smart POS, Soft POS, Bharat QR and soundbox all come from one provider
+Ready plugins for 13 platforms including WooCommerce, Shopify, Magento, Zoho Commerce and Fynd
+Mobile SDKs for Android, iOS, Flutter, React Native, Cordova and Ionic apps
+Cross-border collection in USD, GBP and EUR for exporters and SaaS sellers
+Homepage states no setup fee and no annual maintenance fee

What to watch out for

−Merchant discount rates are not shown in readable form on the website
−Settlement timelines (T+1 or otherwise) are not stated on the homepage or in the developer docs
−Airpay does not list a dedicated merchant dashboard app on its homepage
−The homepage shows two different merchant counts (332K+ and 3 lakh+), which makes its claims harder to trust
−Has a smaller developer community and fewer third-party tutorials than Razorpay or PayU

Best suited for: Indian retailers that need online payments and in-store POS from one aggregator · Exporters, freelancers and SaaS companies collecting foreign currency under RBI PA-CB rules · Businesses on WooCommerce, Shopify, Magento or Zoho Commerce that want a ready plugin · Hospitality and multi-outlet businesses using push-to-POS and QR collection

Airpay at a glance

Analysing Airpay — pricing, features, reviews and alternatives…

Generated by App Advisor's native engine from this listing's verified data — not a paid placement.

Airpay features

Researched from Airpay's official product pages · updated October 2026.

Online payments

Hosted payment gateway and Dash Checkout
Pay by Link and Invoicepay
Subscriptions with mandates and ad hoc charges
Virtual accounts mapped to multiple bank accounts
Full and partial refunds via API with status tracking

In-store payments

Smart POS terminals
Soft POS on mobile
Bharat QR and UPI QR
Soundbox payment alerts

Developer tools

Payments API with QR generation and UPI VPA validation
Split settlements
Android, iOS, Flutter, React Native, Cordova and Ionic SDKs
Plugins for 13 shopping carts and CMS platforms

Business and risk services

Affordability: EMI, Brand EMI and BNPL
Settlement and reconciliation tools, connected banking
Risk and AML screening, account validation
e-Sign, prepaid cards and business loans

Airpay pricing (INR)

Source

Every edition as published by the vendor. Prices exclude GST unless stated. Full Airpay pricing breakdown

Payment gateway (online)

MDR per transaction, on request

Cards, UPI, wallets, net banking, EMI and BNPL
Payment links, Invoicepay and Dash Checkout
Subscriptions, mandates and virtual accounts
No setup fee or annual fee

In-store (POS, Soft POS, QR, Soundbox)

On request

Smart POS for cards, UPI and wallets at one counter
Soft POS turns a phone into a card terminal
Bharat QR and soundbox alerts
Push to POS flow for hospitality

airpay EXIM (cross-border)

On request

Collect USD, GBP and EUR from overseas clients
Runs under RBI PA-CB authorisation
Aimed at exporters, SaaS firms and service providers

• Airpay charges a merchant discount rate per transaction, and the rate depends on the payment method.
• Airpay publishes its rate card as a PDF of images (airpay.co.in/resources/doc/pricing.pdf). We could not read the rates as text, so confirm them with sales.
• The homepage advertises flat pricing with no setup fee and no annual fee.
• The site does not say whether GST is included; payment gateway fees in India normally attract 18% GST on top.

Buying for a team? App Advisor can get you a volume quote and any partner discount available.

Integrations, security & India

Integrations

WooCommerce (WordPress)
Shopify
Magento
Wix
OpenCart
PrestaShop
Joomla
Drupal
Moodle
CS-Cart
Zen Cart
Zoho Commerce
Fynd

Security & compliance

The airpay.co.in footer shows PCI DSS and AICPA badges
Risk and AML screening and account validation are offered as products

For Indian businesses

Authorised by the RBI as a payment aggregator for online, physical and cross-border payments
Supports UPI, Bharat QR, cards, net banking, wallets, EMI and BNPL
The homepage address is in Safdarjung Enclave, New Delhi; news reports describe Airpay as Mumbai-based
Plugins for Indian platforms Zoho Commerce and Fynd
The site displays a Make in India badge

Airpay timeline — releases & milestones

2012Airpay foundedSource
2025-12RBI cross-border payment aggregator (PA-CB) authorisationSource

Is Airpay the best choice for you?

Best choice if you are…

Indian retailers that need online payments and in-store POS from one aggregator
Exporters, freelancers and SaaS companies collecting foreign currency under RBI PA-CB rules
Businesses on WooCommerce, Shopify, Magento or Zoho Commerce that want a ready plugin
Hospitality and multi-outlet businesses using push-to-POS and QR collection

Look elsewhere if you are…

Sellers who want to see exact MDR rates and sign up without speaking to sales
Very small sellers who need only a free UPI QR code and no gateway

Still comparing? Get an unbiased shortlist and demos arranged for free.

Sources (5) · updated October 2026

Airpay screenshots

Specifications

Category: Payment gateways & UPI, Workflow automation & integration, POS & retail billing
Vendor: Airpay Payment Services
Headquarters: Mumbai, Maharashtra
Founded: 2012
Pricing model: Subscription
Starting price: Pay as you go
Deployment: Cloud
Platforms: Web
Best for: Small business, SMB, Mid-market
Made in India: Yes

Pay as you go

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Compare all Airpay alternatives with pricing →

Airpay — frequently asked questions

What are Airpay payment gateway charges in India?+

Airpay charges a per-transaction merchant discount rate that varies by payment method, such as UPI, debit card, credit card, wallet or EMI. The homepage says there is no setup fee and no annual fee. The rate card is published as an image-based PDF, so ask Airpay sales for written rates for your business category before you go live.

Is GST charged on Airpay fees?+

Airpay's website does not say whether its quoted rates include GST. In India, payment gateway fees are usually billed with 18% GST added. Ask Airpay to confirm this in your merchant agreement, and check that the invoices carry your GSTIN so you can claim input tax credit.

Is Airpay RBI approved?+

Yes. In December 2025 the RBI authorised Airpay as a cross-border payment aggregator. News reports say Airpay now holds all three payment aggregator categories: online, physical/POS and QR, and cross-border. That puts Airpay in a small group with providers such as Razorpay, PayU and Pine Labs.

Does Airpay have a free plan or trial?+

Airpay has no free plan, because it earns a fee on each transaction. There is no monthly subscription either, and the homepage says there is no setup or annual fee. So you pay only when customers pay you. Developers can follow the Accept your first payment guide in Airpay's docs to test an integration.

Airpay vs Razorpay: which should I choose?+

Both Airpay and Razorpay hold all three RBI payment aggregator licences. Razorpay publishes its standard rates and has a larger developer community. Airpay's strength is combining an online gateway with Smart POS, Soft POS, QR and soundboxes, which suits retailers that sell both in-store and online. Compare written MDR quotes from both before deciding.

Which platforms does Airpay integrate with?+

Airpay provides ready plugins for WooCommerce, Shopify, Magento, Wix, OpenCart, PrestaShop, Joomla, Drupal, Moodle, CS-Cart, Zen Cart, Zoho Commerce and Fynd. For custom builds, there are SDKs for Android, iOS, Flutter, React Native, Cordova and Ionic, plus REST APIs for payments, refunds, links, subscriptions and virtual accounts.

Can Airpay accept international payments?+

Yes. Through airpay EXIM, Indian businesses can collect USD, GBP and EUR from overseas clients. Airpay offers this under its RBI cross-border payment aggregator authorisation granted in December 2025. Exporters, freelancers and SaaS companies should ask Airpay about forex conversion charges and the export documentation it needs.

Does Airpay offer POS machines?+

Yes. Airpay offers Smart POS terminals that accept cards, UPI and wallets at one counter, and Soft POS, which turns a phone into a card terminal. It also sells Bharat QR and soundbox alerts. Restaurants and hotels can use the Push to POS flow, which sends a bill straight to the terminal.

Is Airpay secure?+

Airpay's website footer shows PCI DSS and AICPA badges, and RBI authorisation brings oversight under the payment aggregator rules. Airpay also offers risk and AML screening and bank account validation. Before you sign, ask for its current PCI DSS attestation if your auditors need it.

How long does Airpay onboarding take?+

Airpay does not publish an onboarding timeline. Expect the usual Indian payment aggregator KYC: business PAN, GST certificate, bank account proof and website or app checks. Once approved, a plugin store is usually just a matter of entering your merchant credentials, while a custom API build depends on your developers.

Where is the Airpay login page?+

Airpay's login is at https://ma.airpay.co.in/, linked from its official website.

How do I sign up for Airpay?+

New accounts are created at https://grow.airpay.co.in/signup on Airpay's official site.

What is Airpay?+

Airpay is payment gateways & upi by Airpay Payment Services, an Indian company from Mumbai. Omnichannel payments with gateway and POS.

How much does Airpay cost?+

Airpay is a paid product. Check Airpay Payment Services's official pricing page for current plans, or request a quote through App Advisor.

Does Airpay offer a free trial or free plan?+

App Advisor's listing records a free trial for Airpay. Confirm the current trial terms on Airpay Payment Services's official site.

Is Airpay made in India?+

Yes. Airpay is built by Airpay Payment Services, headquartered in Mumbai, Maharashtra.

Who is Airpay best suited for?+

Airpay suits small business, smb, mid-market buyers looking for payment gateways & upi with workflow automation & integration and pos & retail billing.

What are the best alternatives to Airpay?+

Popular alternatives in payment gateways & upi include PayU, Razorpay, Paytm Payment Gateway. Use App Advisor's compare tool to see them side by side.

How is Airpay deployed?+

Airpay is available as a cloud (SaaS) product, with web access.