Juspay

by Juspay · Bengaluru, Karnataka · Since 2012

Payment orchestration and checkout for large merchants and banks.

Starting price: 0.25% per transaction; Or Rs 25,000/month minimum, whichever is higher (Growth)
Free trial / plan: No free plan; Trial not mentioned on the pricing page
Deployment: Cloud; Web
App Advisor rating: 4.4; transparency & India fit

What is Juspay?

Juspay is a Bengaluru-based payments technology company whose core product, HyperCheckout, sits between a merchant's app or website and its payment gateways. It is not itself a payment gateway; it handles the checkout screen, saved-card tokenisation, routing each transaction to the best-performing gateway, retries and offers. Juspay says it processes more than 300 million transactions a day and over USD 1 trillion in annual payment volume, and its site shows Swiggy, IndiGo, bigbasket, Tata CLiQ, Urban Company and Lenskart among users.

This is software for businesses that already run serious payment volume through two or more gateways such as Razorpay, PayU or Cashfree. HyperCheckout connects to more than 300 gateways and aggregators without code changes, so when one gateway has an outage or a falling success rate, traffic shifts automatically. Juspay claims success-rate improvements of up to 10%, and one customer testimonial cites close to a 20% lift from dynamic routing. For a business processing a few lakh rupees a month on a single gateway, the economics rarely work.

Pricing is unusually public for this category. The Growth plan charges 0.25% per transaction or a Rs 25,000 monthly minimum, whichever is higher, which means you need roughly Rs 1 crore of monthly volume before the percentage fee exceeds the floor. Note this sits on top of what your gateways already charge. A promotional 0.22% and Rs 20,000 minimum ran until 30 September. The Enterprise plan is priced on request and adds payouts, fraud and risk management, reconciliation, automated billing and the loan marketplace.

Weak points are mainly fit and transparency for smaller buyers. The pricing page does not mention GST, setup fees or a trial, and the documentation is developer-heavy with Android and web SDKs to integrate. Juspay holds PCI DSS 4.0.1, ISO 27001:2022 and SOC 2 Type 2 credentials, and its HyperPG arm carries payment aggregator licensing, which matters to bank and airline buyers running security reviews.

What works well

+Routes payments across 300+ gateways and aggregators, so one gateway outage does not stop your checkout
+Growth plan pricing is published: 0.25% per transaction with a Rs 25,000 monthly minimum
+RBI-compliant card tokenisation lets saved cards work across gateways instead of being locked to one
+Wide India payment method coverage including UPI Intent, UPI Autopay, eNACH, CRED Pay, Amazon Pay and EMI suites
+Holds PCI DSS 4.0.1, ISO 27001:2022 and SOC 2 Type 2 certifications according to its site
+No-code Design Studio offers 100+ checkout customisations for layout, theme and payment methods
+Proven at very high scale, with a stated peak of 50,000+ transactions per second

What to watch out for

−The Rs 25,000 monthly minimum makes it uneconomical for businesses with small payment volumes
−Juspay's fee is charged in addition to the MDR your payment gateways already take
−Payouts, fraud management and reconciliation are reserved for the unpublished Enterprise plan
−The pricing page says nothing about GST, setup fees or a free trial
−Integration requires developer work with SDKs or APIs; it is not a plug-in for small online stores

Best suited for: High-volume Indian consumer apps and e-commerce businesses using two or more payment gateways · Airlines, travel and hospitality businesses with complex checkout and offer requirements · Banks and fintechs that need UPI SDKs, tokenisation or embedded credit · Subscription businesses that need UPI Autopay, card mandates and eNACH in one checkout

Juspay at a glance

Analysing Juspay — pricing, features, reviews and alternatives…

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

Juspay features

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

Checkout

HyperCheckout with 1-click CVV-less card payments
Quickpay half-page flows without redirection
Design Studio with 100+ no-code customisations
Payment links and payment forms
Exit pop-up and outage alerts

Orchestration and optimisation

Dynamic routing across 300+ gateways and aggregators
Automatic retry of failed payments
Smart Convert and offers engine
Network card tokenisation and token vault
Juspay FRM fraud and risk management

Payment methods

UPI Intent, UPI QR and UPI Autopay
Card mandates, NACH, eNACH and one-time mandates
Standard and advance EMI suites
Wallets including Apple Pay, Amazon Pay, CRED Pay and merchant in-house wallets
Tap & Pay (NFC) and Click to Pay with passkeys

Payouts and billing

Payouts for refunds, vendors, payroll and marketplaces
Payout links without collecting bank details
Bulk and recurring payouts with automatic reconciliation
Juspay Billing and LotusPay recurring payments
Split settlements

UPI and credit

UPI TPAP SDK for apps building their own UPI flow
HyperUPI
HyperCredit embedded credit with multiple lenders
JusBiz virtual cards

AI capabilities

AI-assisted Integration CLI listed in the developer docs
Smart AI re-targeting listed in the Enterprise plan

Juspay pricing (INR)

Source

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

Growth

0.25% per transaction or Rs 25,000/month, whichever is higher

Monthly minimum

Tokenisation, Quickpay and customised checkout
Payment gateway routing and switching with retries
Offer engine, surcharge, subscriptions and mandates
Payment links, payment forms and unified dashboard
CVV-less flow, native OTP, Tap & Pay, standard EMI, split pay with COD

Enterprise

Custom

Everything in Growth plus advanced offer engine
Payouts and part payment
Fraud and risk management engine and Juspay SAFE 2.0
Automated subscription billing, reconciliation and loan marketplace
Loyalty OS, AI re-targeting and BHIM Vega in-app UPI plugin

• A promotional rate of 0.22% with a Rs 20,000 minimum was offered until 30 September; check whether a new offer is running.
• GST and setup fees are not stated on the pricing page; confirm with sales.
• Juspay's fee is separate from the payment gateway's own transaction charges.

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

Integrations, security & India

Integrations

300+ payment gateways and aggregators
CRED Pay and CRED saved cards
Amazon Pay Balance and Amazon Pay Later
Apple Pay
TwidPay
Visa Direct
Mastercard Send
BHIM Vega

Security & compliance

PCI DSS 4.0.1 compliance
ISO 27001:2022 certification
SOC 2 Type 2 report
Vulnerability disclosure policy published
Stated 99.999% platform uptime

For Indian businesses

Registered office in Koramangala, Bengaluru
Growth plan priced in INR: 0.25% per transaction or Rs 25,000 monthly minimum
Supports RBI-compliant card tokenisation so saved cards work across gateways
Deep UPI coverage: UPI Intent, UPI Autopay, UPI QR and a UPI TPAP SDK used by apps such as CRED and Amazon
Supports eNACH and NACH mandates through LotusPay for Indian recurring payments
Indian customers shown include Swiggy, IndiGo, bigbasket, Tata CLiQ, Zepto, Meesho and MakeMyTrip

Support, resources & partner network

Support & learning

Sales via contact form and scheduled calls
Developer documentation at juspay.io/in/docs

HyperCheckout pricing HyperCheckout Developer docs Payouts

Trust, compliance & who uses Juspay

500+ enterprises

Customers

50+

Countries

Certifications & compliance

PCI DSS 4.0.1 Source
ISO 27001:2022 Source
SOC 2 Type 2 Source
RBI Payment Aggregator licensing (HyperPG) — Linked from Juspay's site to hyperpg.in Source

Each claim links to the vendor's own published statement. Always confirm current certificate validity directly with the vendor.

Is Juspay the best choice for you?

Best choice if you are…

High-volume Indian consumer apps and e-commerce businesses using two or more payment gateways
Airlines, travel and hospitality businesses with complex checkout and offer requirements
Banks and fintechs that need UPI SDKs, tokenisation or embedded credit
Subscription businesses that need UPI Autopay, card mandates and eNACH in one checkout

Look elsewhere if you are…

Small online shops processing under roughly Rs 1 crore a month, where the minimum fee dominates
Businesses wanting a direct payment gateway account; a gateway such as Razorpay or Cashfree is needed underneath
Teams with no developer capacity for SDK and API integration

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

Sources (5) · updated October 2026

Juspay screenshots

Specifications

Category: Payment gateways & UPI
Vendor: Juspay
Headquarters: Bengaluru, Karnataka
Founded: 2012
Pricing model: Quote-based
Starting price: 0.25% per transaction · Or Rs 25,000/month minimum, whichever is higher (Growth)
Deployment: Cloud
Platforms: Web
Best for: Mid-market, Enterprise
Made in India: Yes

Pay as you go

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Juspay — frequently asked questions

What does Juspay cost in India?+

Juspay's HyperCheckout Growth plan charges 0.25% per transaction or Rs 25,000 a month, whichever is higher. The Enterprise plan, which adds payouts, fraud management and reconciliation, is priced on request. Juspay's fee is charged on top of what your payment gateways take, so budget for both costs together.

Is Juspay a payment gateway?+

No. Juspay describes HyperCheckout as a checkout and orchestration layer, not a payment gateway or aggregator. It connects to more than 300 gateways and routes each payment to the best-performing one. You still need gateway accounts underneath, although Juspay's HyperPG arm separately holds payment aggregator licensing.

Does Juspay charge GST?+

Juspay's HyperCheckout pricing page does not mention GST, setup fees or other one-time charges. Indian SaaS and payment service fees normally attract 18% GST, so ask Juspay's sales team to confirm whether the 0.25% rate and Rs 25,000 minimum are inclusive or exclusive before you sign.

Does Juspay offer a free trial or free plan?+

Juspay has no free plan, and its pricing page does not mention a free trial. The lowest published option is the Growth plan at 0.25% per transaction with a Rs 25,000 monthly minimum. A sign-up option exists on the HyperCheckout page, and Enterprise buyers go through sales.

Who should use Juspay instead of just Razorpay or PayU?+

Juspay makes sense when you process large volumes through two or more gateways and failed payments cost real money. It routes traffic around gateway outages, retries failures and keeps tokenised cards usable across gateways. A business on a single gateway with modest volume will usually find the Rs 25,000 minimum too high.

Which payment methods does Juspay support?+

Juspay's documentation covers UPI Intent, UPI QR and UPI Autopay, cards with CVV-less and Tap & Pay flows, NACH and eNACH mandates, EMI suites, and wallets including Apple Pay, Amazon Pay and CRED Pay. It also supports merchants' own in-house wallets and payment links.

Is Juspay secure?+

Juspay states PCI DSS 4.0.1 compliance, ISO 27001:2022 certification and a SOC 2 Type 2 report, and publishes a vulnerability disclosure policy. It handles RBI-compliant network card tokenisation with a token vault. Its site claims 99.999% uptime while processing more than 300 million transactions a day.

Does Juspay work on mobile apps?+

Yes. Juspay HyperCheckout runs on Android, iOS and web, and the developer docs provide Android and web SDKs, plus a UPI TPAP SDK for apps that want their own UPI flow. Juspay is a merchant-side SDK, so there is no consumer app for buyers to download.

How long does Juspay integration take?+

Juspay does not publish a standard integration timeline. Integration involves its SDKs or Express Checkout APIs, and the docs list an AI-assisted Integration CLI to speed this up. Adding new gateways after go-live is described as no-code, so most effort goes into the first integration and testing.

Which Indian companies use Juspay?+

Juspay's site names Swiggy, IndiGo, bigbasket, Tata CLiQ, Urban Company, Lenskart, Zepto, Meesho, MakeMyTrip and BookMyShow among its users. It says more than 500 enterprises worldwide use the platform, and that its UPI SDK powers apps such as CRED, Amazon and Slice.

What is Juspay?+

Juspay is payment gateways & upi by Juspay, an Indian company from Bengaluru. Payment orchestration and checkout for large merchants and banks.

How much does Juspay cost?+

Juspay publishes: 0.25% per transaction · Or Rs 25,000/month minimum, whichever is higher (Growth). Confirm current plans and taxes on the official pricing page.

Does Juspay offer a free trial or free plan?+

Juspay does not advertise a free plan; ask the vendor for a trial or a guided demo.

Is Juspay made in India?+

Yes. Juspay is built by Juspay, headquartered in Bengaluru, Karnataka.

Who is Juspay best suited for?+

Juspay suits mid-market, enterprise buyers looking for payment gateways & upi.

What are the best alternatives to Juspay?+

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 Juspay deployed?+

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