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Payment gateways & UPI · Alternatives

Best Airpay alternatives in India (2027)

Airpay is a payment gateways & upi product from Airpay Payment Services, Mumbai, priced at Pay as you go. We compared 20 alternatives on published price, free plan, platforms and made-in-India support: 0 have a free plan, 20 are built in India.

Quick answer

The closest alternatives to Airpay are Razorpay (Pay as you go), Mswipe (Pay as you go), PayU (2% per transaction · Domestic cards, net banking, wallets, BNPL; GST 18% extra), Cashfree Payments (Pay as you go) and Paytm Payment Gateway (1.99% per transaction · Standard plan, plus 18% GST). Published prices in this list start at ₹99/month.

Why businesses look for a Airpay alternative

Reported limitation

Merchant discount rates are not shown in readable form on the website

Reported limitation

Settlement timelines (T+1 or otherwise) are not stated on the homepage or in the developer docs

Reported limitation

Airpay does not list a dedicated merchant dashboard app on its homepage

Airpay alternatives compared

Ranked by how closely each product matches Airpay's category, pricing model, platforms and business size, then by rating. Prices exclude GST.

#SoftwareStarting priceFree planPlatformsMade in IndiaRatingCompare
—Airpay logoAirpay (current)Pay as you goNoWebYes4.6/5—
1Razorpay logoRazorpayPay as you goNoWebYes4.7/5
2Mswipe logoMswipePay as you goNoWebYes4.5/5
3PayU logoPayU2% per transaction · Domestic cards, net banking, wallets, BNPL; GST 18% extraNoWebYes4.7/5
4Cashfree Payments logoCashfree PaymentsPay as you goNoWebYes4.7/5
5Paytm Payment Gateway logoPaytm Payment Gateway1.99% per transaction · Standard plan, plus 18% GSTNoWebYes4.7/5
6Instamojo Payments logoInstamojo PaymentsRs 0/year · Payment Links Quick plan, 2% + Rs 3 per transactionNoWebYes4.6/5
7PhonePe Payment Gateway logoPhonePe Payment Gateway1.99% per transaction · Currently free under a limited-period offer (T&C apply)NoWebYes4.6/5
8Easebuzz logoEasebuzzPay as you goNoWebYes4.6/5
9Zaakpay logoZaakpayPay as you goNoWebYes4.6/5
10Atom Technologies logoAtom TechnologiesPay as you goNoWebYes4.6/5
11Skydo logoSkydoPay as you goNoWebYes4.5/5
12Salt by Salt.pe logoSalt by Salt.pePay as you goNoWebYes4.4/5
13BRISKPE logoBRISKPEPay as you goNoWebYes4.4/5
14Paytm Soundbox logoPaytm Soundbox₹125/moNoWebYes4.5/5
15Worldline India logoWorldline IndiaOn requestNoWebYes4.4/5
16PhonePe SmartSpeaker logoPhonePe SmartSpeaker₹99/moNoWebYes4.4/5
17Open Money Collect logoOpen Money CollectPay as you goNoWebYes4.4/5
18Nimbbl logoNimbblPay as you goNoWebYes4.3/5
19Simpl logoSimplPay as you goNoWebYes4.3/5
20ZestMoney logoZestMoneyPay as you goNoWebYes4.3/5

Top 10 Airpay alternatives in detail

Razorpay logo

1. Razorpay

Razorpay · Bengaluru · Payment gateways & UPI · 4.7/5

Payment gateway, payment links, payouts and business banking for Indian businesses.

Pay as you go

Free trial

Key features

  • Payment Gateway
  • Payment Links
  • Payment Pages
  • Payment Buttons
  • QR Codes
Mswipe logo

2. Mswipe

Mswipe Technologies · Mumbai · Payment gateways & UPI · 4.5/5

POS terminals and payment acceptance for merchants.

Pay as you go

Free trial

PayU logo

3. PayU

PayU India · Gurugram · Payment gateways & UPI · 4.7/5

Payment gateway with EMI, BNPL and enterprise integrations.

2% per transaction · Domestic cards, net banking, wallets, BNPL; GST 18% extra

Free trial

Key features

  • Payment gateway with 150+ payment modes
  • Cards, UPI, net banking, wallets, EMI, BNPL
  • Bharat QR supporting 140+ UPI apps
  • POS and cross-border payments
  • Payment links
Cashfree Payments logo

4. Cashfree Payments

Cashfree Payments · Bengaluru · Payment gateways & UPI · 4.7/5

Payment gateway and payouts with high UPI success rates.

Pay as you go

Free trial

Key features

  • Payment gateway (180+ modes incl. UPI, cards, BNPL, Apple Pay)
  • Payment links
  • Subscriptions
  • International payments
  • Payouts API
Paytm Payment Gateway logo

5. Paytm Payment Gateway

Paytm · Noida · Payment gateways & UPI · 4.7/5

Gateway with Paytm wallet, UPI and card acceptance.

1.99% per transaction · Standard plan, plus 18% GST

Free trial

Key features

  • UPI and Paytm Postpaid
  • Visa, Mastercard, RuPay, Amex and Diners cards
  • Net banking with 50+ banks
  • Card and cardless EMI, bank offers, no-cost EMI
  • JS Checkout two-step integration
Instamojo Payments logo

6. Instamojo Payments

Instamojo · Bengaluru · Payment gateways & UPI · 4.6/5

Simple payment gateway and links for micro businesses.

Rs 0/year · Payment Links Quick plan, 2% + Rs 3 per transaction

Free trial

Key features

  • Unlimited payment links
  • Smart Links with expiry, discounts and amount breakup
  • Embeddable pay button for websites
  • 100+ payment modes advertised
  • Unlimited hosted landing pages
Easebuzz logo

8. Easebuzz

Easebuzz · Pune · Payment gateways & UPI · 4.6/5

Payment gateway and collections for education, SMEs and enterprises.

Pay as you go

Free trial

Key features

  • Payment gateway (150+ options)
  • Payment links
  • Slices (split payments)
  • ePOS
  • International payment gateway
Zaakpay logo

9. Zaakpay

Zaakpay (MobiKwik) · Gurugram · Payment gateways & UPI · 4.6/5

Payment gateway from MobiKwik.

Pay as you go

Free trial

Airpay alternatives by what you need

How to choose a Airpay alternative

  • Compare the total cost: MDR on UPI is zero by regulation, but cards, net banking and international payments carry 1.5–3%, plus GST on fees.
  • Ask for success-rate data on your traffic mix. A gateway with weak bank integrations loses a few percent of every checkout silently.
  • Check onboarding requirements — website content, business registration, bank verification — before building the checkout.

Airpay alternatives — FAQs

What is the best alternative to Airpay in 2027?+

The closest matches to Airpay on App Advisor are Razorpay (Pay as you go), Mswipe (Pay as you go), PayU (2% per transaction · Domestic cards, net banking, wallets, BNPL; GST 18% extra). They are ranked by how closely their category, pricing model, platforms and target business size match Airpay, then by rating. The best choice depends on your team size and budget.

Is there a free alternative to Airpay?+

None of the 20 closest alternatives to Airpay has a free plan. Most offer a free trial instead, so ask for one before you commit.

What is the cheapest alternative to Airpay?+

Among alternatives that publish a price, PhonePe SmartSpeaker starts lowest at ₹99/mo. Prices are read from each vendor's website and exclude GST.

Is there an Indian alternative to Airpay?+

Yes. 20 alternatives are built in India, including Razorpay (Pay as you go), Mswipe (Pay as you go), PayU (2% per transaction · Domestic cards, net banking, wallets, BNPL; GST 18% extra). Indian products usually handle GST, TDS and UPI natively and bill in rupees.

Airpay vs Razorpay: which is better?+

Razorpay is the closest match to Airpay in our catalogue. Compare them side by side before you book a demo.

How were these Airpay alternatives chosen?+

Every product listed sits in payment gateways & upi or a category Airpay also covers, and Airpay Payment Services's own products are excluded. Prices, free plans and platforms come from each vendor's official website. App Advisor does not sell any of this software.

Free shortlist

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