1. BillDesk
IndiaIdeas.com · Mumbai · Payment gateways & UPI · 4.4/5
Enterprise payment and bill-pay platform used by banks and utilities.
On request
Quote-based
Payment gateways & UPI · Alternatives
Best Juspay alternatives in India (2027)
Juspay is a payment gateways & upi product from Juspay, Bengaluru, priced at 0.25% per transaction · Or Rs 25,000/month minimum, whichever is higher (Growth). We compared 20 alternatives on published price, free plan, platforms and made-in-India support: 0 have a free plan, 17 are built in India.
Quick answer
The closest alternatives to Juspay are BillDesk (On request), Setu (On request), M2P Fintech (On request), Zeta (On request) and Decentro (On request).
Why businesses look for a Juspay alternative
Reported limitation
The Rs 25,000 monthly minimum makes it uneconomical for businesses with small payment volumes
Reported limitation
Juspay's fee is charged in addition to the MDR your payment gateways already take
Reported limitation
Payouts, fraud management and reconciliation are reserved for the unpublished Enterprise plan
Juspay alternatives compared
Ranked by how closely each product matches Juspay's category, pricing model, platforms and business size, then by rating. Prices exclude GST.
| # | Software | Starting price | Free plan | Platforms | Made in India | Rating | Compare |
|---|---|---|---|---|---|---|---|
| — | Juspay (current) | 0.25% per transaction · Or Rs 25,000/month minimum, whichever is higher (Growth) | No | Web | Yes | 4.4/5 | — |
| 1 | BillDesk | On request | No | Web | Yes | 4.4/5 | |
| 2 |  Setu | On request | No | Web | Yes | 4.2/5 | |
| 3 |  M2P Fintech | On request | No | Web | Yes | 4.3/5 | |
| 4 |  Zeta | On request | No | Web | Yes | 4.2/5 | |
| 5 |  Decentro | On request | No | Web | Yes | 4.2/5 | |
| 6 |  Innoviti | On request | No | Web | Yes | 4.3/5 | |
| 7 |  Payphi (PhiCommerce) | On request | No | Web | Yes | 4.2/5 | |
| 8 |  Aurionpro | On request | No | Web | Yes | 4.2/5 | |
| 9 |  Lyra Network India | On request | No | Web | Yes | 4.2/5 | |
| 10 |  Bharat BillPay (BBPS) | On request | No | Web | Yes | 4.1/5 | |
| 11 |  Velocity | On request | No | Web | Yes | 4.1/5 | |
| 12 |  FSS | On request | No | Web | Yes | 4.1/5 | |
| 13 |  Getepay | On request | No | Web | Yes | 4.1/5 | |
| 14 |  GoKwik | On request | No | Web | Yes | 4.1/5 | |
| 15 |  AeronPay | On request | No | Web | Yes | 4.1/5 | |
| 16 |  Adyen | On request | No | Web | No | 4.2/5 | |
| 17 |  Intellect Design Arena | On request | No | Web | Yes | 4.1/5 | |
| 18 |  2C2P | On request | No | Web | No | 4.2/5 | |
| 19 |  Checkout.com | On request | No | Web | No | 4.1/5 | |
| 20 |  PayU | 2% per transaction · Domestic cards, net banking, wallets, BNPL; GST 18% extra | No | Web | Yes | 4.7/5 |
Top 10 Juspay alternatives in detail
2. Setu
Setu (Pine Labs) · Bengaluru · Payment gateways & UPI · 4.2/5
UPI, account aggregator and bill-pay APIs for developers.
On request
Quote-based
3. M2P Fintech
M2P Fintech · Chennai · Payment gateways & UPI · 4.3/5
Card issuing and banking-as-a-service platform.
On request
Quote-based
4. Zeta
Zeta · Bengaluru · Payment gateways & UPI · 4.2/5
Modern card and banking processing for banks and fintechs.
On request
Quote-based
5. Decentro
Decentro · Bengaluru · Payment gateways & UPI · 4.2/5
Banking and payments APIs for fintech products.
On request
Quote-based
6. Innoviti
Innoviti Technologies · Bengaluru · Payment gateways & UPI · 4.3/5
Payment terminals and enterprise retail payments.
On request
Quote-based
7. Payphi (PhiCommerce)
PhiCommerce · Pune · Payment gateways & UPI · 4.2/5
Omnichannel payment platform for enterprises.
On request
Quote-based
8. Aurionpro
Aurionpro Solutions Limited · Navi Mumbai · Payment gateways & UPI · 4.2/5
Technology solutions for financial institutions including transaction banking and cash management.
On request
Quote-based
9. Lyra Network India
Lyra Network · Mumbai · Payment gateways & UPI · 4.2/5
Secure payment gateway and transaction routing.
On request
Quote-based
10. Bharat BillPay (BBPS)
NPCI Bharat BillPay · Mumbai · Payment gateways & UPI · 4.1/5
Interoperable bill payment infrastructure from NPCI.
On request
Quote-based
Juspay alternatives by what you need
Indian alternatives to Juspay
How to choose a Juspay 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.
Juspay alternatives — FAQs
What is the best alternative to Juspay in 2027?+
The closest matches to Juspay on App Advisor are BillDesk (On request), Setu (On request), M2P Fintech (On request). They are ranked by how closely their category, pricing model, platforms and target business size match Juspay, then by rating. The best choice depends on your team size and budget.
Is there a free alternative to Juspay?+
None of the 20 closest alternatives to Juspay has a free plan. Most offer a free trial instead, so ask for one before you commit.
Is there an Indian alternative to Juspay?+
Yes. 17 alternatives are built in India, including BillDesk (On request), Setu (On request), M2P Fintech (On request). Indian products usually handle GST, TDS and UPI natively and bill in rupees.
Juspay vs BillDesk: which is better?+
BillDesk is the closest match to Juspay in our catalogue. Compare them side by side before you book a demo.
How were these Juspay alternatives chosen?+
Every product listed sits in payment gateways & upi or a category Juspay also covers, and Juspay'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
Not sure which Juspay alternative fits?
Tell us your team size and budget and we'll send a shortlist of three.
Related alternatives
BillDesk alternativesSetu alternativesM2P Fintech alternativesZeta alternativesDecentro alternativesInnoviti alternativesPayphi (PhiCommerce) alternativesAurionpro alternativesLyra Network India alternativesBharat BillPay (BBPS) alternativesVelocity alternativesFSS alternativesAll payment gateways & upi alternativesBrowse all alternatives