Cashfree Payments

Q: What is Cashfree Payments?

Cashfree Payments is an RBI-authorised payment aggregator from India. It offers a payment gateway, payouts, subscriptions, payment links and KYC verification APIs.

Q: What is the Cashfree app used for?

Businesses use Cashfree to collect customer payments over UPI, cards, netbanking and wallets and to send payouts to vendors. It is a merchant platform, not a consumer wallet.

Q: What are Cashfree payment gateway charges?

The standard rate is 2.0% per transaction, with a promotional 1.95% for new merchants on up to ₹20 lakh GMV. International cards cost 2.99%, Amex 2.95%, and 18% GST applies.

Q: Does Cashfree charge a setup fee?

No. Cashfree advertises zero setup fees.

Q: How fast does Cashfree settle?

Settlement is T+1 by default, and instant settlements cost an extra 0.30%.

by Cashfree Payments · Bengaluru, Karnataka · Since 2015

Payment gateway and payouts with high UPI success rates.

Payment gateways & UPIRecommendedMade in India

Visit website

Starting price: 2.0% per transaction; 1.95% promotional for new merchants up to ₹20L GMV; no setup fee
Free trial / plan: Free trial
Deployment: Cloud; Web
App Advisor rating: 4.7; transparency & India fit

What is Cashfree Payments?

Cashfree Payments is an Indian payment and banking platform. It is an RBI-authorised payment aggregator (Certificate of Authorisation No. 266/2025) and a licensed PPI provider (No. 209/2024). Its products include a payment gateway with 180+ payment modes, subscriptions, payouts, payment links, international payments, escrow and KYC verification.

Cashfree's standard gateway fee is 2.0% per transaction. New merchants get a promotional 1.95% on up to ₹20 lakh GMV. International Visa/Mastercard costs 2.99% and Amex 2.95%, and there is no setup fee. Cashfree says 1.2 million+ businesses use it.

What works well

+Zero setup fee
+Published rates across instruments, subscriptions and payouts
+RBI-authorised payment aggregator
+Plugins for Shopify, WooCommerce, Wix, Magento and OpenCart
+PCI DSS, ISO 9001 and ISO 27001 certified

What to watch out for

−EMI and Pay Later methods add to the base fee
−Instant settlement costs an extra 0.30%
−18% GST applies on fees

Best suited for: Online businesses wanting a gateway plus payouts · Subscription businesses using UPI AutoPay or e-mandates · Marketplaces needing split payments and escrow

Cashfree Payments: quick answers

The questions people most often search for, answered from Cashfree Payments's own pages.

What are Cashfree's payment gateway charges?: Cashfree's published rate is a 1.95% platform fee on domestic payments via UPI, Visa, Mastercard, RuPay, Maestro, net banking and wallets, and 2.0% on American Express and Diners Club. International Visa/Mastercard cards cost 2.99% and American Express 2.95%. GST at 18% is charged on the fees.
Does Cashfree charge a setup fee?: No. Its charges page says: "With Cashfree, you pay ZERO setup fees."
Is there any Cashfree offer for new merchants?: As of 28 Sep 2026 the charges page shows 0% platform fees on the first ₹20 lakh GMV for new merchants until 31 Mar 2027, after which the standard 1.95% applies.
What does Cashfree charge for EMI, Pay Later and instant settlement?: Credit card EMI is 2.2%, Pay Later is 2.20% to 2.50%, and instant settlements cost 0.30% (excluding GST). IMPS/NEFT/RTGS into virtual accounts is ₹20 per transaction.
Is 'cash free', 'cashffree' or 'cachfree' the same company?: These are common misspellings of Cashfree Payments, whose official site is cashfree.com.

Sources:cashfree.com

Cashfree Payments at a glance

Analysing Cashfree Payments — pricing, features, reviews and alternatives…

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

Cashfree Payments features

Researched from Cashfree Payments's official product pages · updated September 2026.

Payments

Payment gateway (180+ modes incl. UPI, cards, BNPL, Apple Pay)
Payment links
Subscriptions
International payments

Money out

Payouts API
Vendor and marketplace payouts
Escrow

Other

KYC verification APIs
Easy Split

Cashfree Payments pricing (INR)

Source

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

Standard Payment Gateway

2.0% per transaction

Pay per transaction, no setup fee

UPI, domestic cards, netbanking, wallets
1.95% promo rate up to ₹20L GMV for new merchants
International Visa/Mastercard 2.99%
American Express 2.95%
Virtual account (IMPS/NEFT/RTGS) ₹20 flat

Other pricing options & add-ons

EMI / Pay Later
Credit card EMI +0.25%; debit card EMI +1.5%; cardless EMI +1.90%; Pay Later 2.20%–2.50%
Subscriptions
Card mandate / e-NACH; UPI AutoPay ₹7.5 + ₹5 (<₹1,000) or ₹7.5 + ₹15 (≥₹1,000)
₹7.5 + ₹7.5
Easy Split
0.20%–0.25%
Instant Settlements
0.30%
Payouts
Depends on amount and method
₹3.00–₹15.00 per payout

• GST at 18% (or prevailing rate) on fees
• T+1 settlement
• Zero setup fee

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

Integrations, security & India

Integrations

Shopify
WooCommerce
Wix
Magento
OpenCart
SDKs: cURL, Java, Python, PHP, Node.js

Security & compliance

PCI DSS
ISO 9001
ISO 27001
RBI Payment Aggregator authorisation No. 266/2025

Trust, compliance & who uses Cashfree Payments

Customers named by the vendor

1.2 million+ businesses (vendor claim)

Is Cashfree Payments the best choice for you?

Best choice if you are…

Online businesses wanting a gateway plus payouts
Subscription businesses using UPI AutoPay or e-mandates
Marketplaces needing split payments and escrow

Look elsewhere if you are…

Offline-only shops that need just a UPI QR

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

Sources (2) · updated September 2026

Cashfree Payments screenshots

Specifications

Category: Payment gateways & UPI
Vendor: Cashfree Payments
Headquarters: Bengaluru, Karnataka
Founded: 2015
Pricing model: Subscription
Starting price: Pay as you go
Deployment: Cloud
Platforms: Web
Best for: Small business, SMB, Mid-market
Made in India: Yes

1.99% per transaction · Currently free under a limited-period offer (T&C apply)

View

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Compare all Cashfree Payments alternatives with pricing →

Cashfree Payments — frequently asked questions

What are Cashfree's payment gateway charges?+

Cashfree's published rate is a 1.95% platform fee on domestic payments via UPI, Visa, Mastercard, RuPay, Maestro, net banking and wallets, and 2.0% on American Express and Diners Club. International Visa/Mastercard cards cost 2.99% and American Express 2.95%. GST at 18% is charged on the fees.

Does Cashfree charge a setup fee?+

No. Its charges page says: "With Cashfree, you pay ZERO setup fees."

Is there any Cashfree offer for new merchants?+

As of 28 Sep 2026 the charges page shows 0% platform fees on the first ₹20 lakh GMV for new merchants until 31 Mar 2027, after which the standard 1.95% applies.

What does Cashfree charge for EMI, Pay Later and instant settlement?+

Credit card EMI is 2.2%, Pay Later is 2.20% to 2.50%, and instant settlements cost 0.30% (excluding GST). IMPS/NEFT/RTGS into virtual accounts is ₹20 per transaction.

Is 'cash free', 'cashffree' or 'cachfree' the same company?+

These are common misspellings of Cashfree Payments, whose official site is cashfree.com.

What is Cashfree Payments?+

Cashfree Payments is an RBI-authorised payment aggregator from India. It offers a payment gateway, payouts, subscriptions, payment links and KYC verification APIs.

What is the Cashfree app used for?+

Businesses use Cashfree to collect customer payments over UPI, cards, netbanking and wallets and to send payouts to vendors. It is a merchant platform, not a consumer wallet.

What are Cashfree payment gateway charges?+

The standard rate is 2.0% per transaction, with a promotional 1.95% for new merchants on up to ₹20 lakh GMV. International cards cost 2.99%, Amex 2.95%, and 18% GST applies.

Does Cashfree charge a setup fee?+

No. Cashfree advertises zero setup fees.

How fast does Cashfree settle?+

Settlement is T+1 by default, and instant settlements cost an extra 0.30%.

Is Cashfree RBI approved?+

Yes. It holds Payment Aggregator Certificate of Authorisation No. 266/2025 and PPI authorisation No. 209/2024.

What does UPI AutoPay cost on Cashfree?+

₹7.5 + ₹5 for amounts under ₹1,000 and ₹7.5 + ₹15 for ₹1,000 and above.

What is Cashfree Payments?+

Cashfree Payments is payment gateways & upi by Cashfree Payments, an Indian company from Bengaluru. Payment gateway and payouts with high UPI success rates.

How much does Cashfree Payments cost?+

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

Does Cashfree Payments offer a free trial or free plan?+

App Advisor's listing records a free trial for Cashfree Payments. Confirm the current trial terms on Cashfree Payments's official site.

Is Cashfree Payments made in India?+

Yes. Cashfree Payments is built by Cashfree Payments, headquartered in Bengaluru, Karnataka.

Who is Cashfree Payments best suited for?+

Cashfree Payments suits small business, smb, mid-market buyers looking for payment gateways & upi.

What are the best alternatives to Cashfree Payments?+

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 Cashfree Payments deployed?+

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