Free, independent software advice for Indian businesses
For software companies: reach Indian businesses ready to buy
Payment gateways & UPI · Alternatives
Pay10 is a payment gateways & upi product from Pay10, Dubai, priced at Merchant discount rates from ~0.65%. We compared 20 alternatives on published price, free plan, platforms and made-in-India support: 0 have a free plan, 16 are built in India.
Quick answer
The closest alternatives to Pay10 are PayU (2% per transaction · Domestic cards, net banking, wallets, BNPL; GST 18% extra), Cashfree Payments (Pay as you go), Paytm Payment Gateway (1.99% per transaction · Standard plan, plus 18% GST), Instamojo Payments (Rs 0/year · Payment Links Quick plan, 2% + Rs 3 per transaction) and PhonePe Payment Gateway (1.99% per transaction · Currently free under a limited-period offer (T&C apply)). Published prices in this list start at ₹99/month.
Indian support and GST
Pay10 is built in United Arab Emirates. 16 alternatives are made in India, where GST, TDS and UPI are usually handled natively and support runs on IST.
Ranked by how closely each product matches Pay10'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 |
|---|---|---|---|---|---|---|---|
| — | Pay10 (current) | Merchant discount rates from ~0.65% | No | Web | No | 3.9/5 | — |
| 1 |  PayU | 2% per transaction · Domestic cards, net banking, wallets, BNPL; GST 18% extra | No | Web | Yes | 4.7/5 | |
| 2 |  Cashfree Payments | Pay as you go | No | Web | Yes | 4.7/5 | |
| 3 |  Paytm Payment Gateway | 1.99% per transaction · Standard plan, plus 18% GST | No | Web | Yes | 4.7/5 | |
| 4 |  Instamojo Payments | Rs 0/year · Payment Links Quick plan, 2% + Rs 3 per transaction | No | Web | Yes | 4.6/5 | |
| 5 |  PhonePe Payment Gateway | 1.99% per transaction · Currently free under a limited-period offer (T&C apply) | No | Web | Yes | 4.6/5 | |
| 6 |  Easebuzz | Pay as you go | No | Web | Yes | 4.6/5 | |
| 7 |  Zaakpay | Pay as you go | No | Web | Yes | 4.6/5 | |
| 8 |  Atom Technologies | Pay as you go | No | Web | Yes | 4.6/5 | |
| 9 |  PayPal | Pay as you go | No | Web | No | 4.4/5 | |
| 10 |  Skydo | Pay as you go | No | Web | Yes | 4.5/5 | |
| 11 |  Stripe | Pay as you go | No | Web | No | 4.4/5 | |
| 12 |  Salt by Salt.pe | Pay as you go | No | Web | Yes | 4.4/5 | |
| 13 |  BRISKPE | Pay as you go | No | Web | Yes | 4.4/5 | |
| 14 |  Payoneer | Pay as you go | No | Web | No | 4.4/5 | |
| 15 |  Paytm Soundbox | ₹125/mo | No | Web | Yes | 4.5/5 | |
| 16 |  Wise Business | Pay as you go | No | Web | No | 4.4/5 | |
| 17 |  PhonePe SmartSpeaker | ₹99/mo | No | Web | Yes | 4.4/5 | |
| 18 |  Open Money Collect | Pay as you go | No | Web | Yes | 4.4/5 | |
| 19 |  Nimbbl | Pay as you go | No | Web | Yes | 4.3/5 | |
| 20 |  Simpl | Pay as you go | No | Web | Yes | 4.3/5 |
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
Compared with Pay10
Key features
Cashfree Payments · Bengaluru · Payment gateways & UPI · 4.7/5
Payment gateway and payouts with high UPI success rates.
Pay as you go
Free trial
Compared with Pay10
Key features
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
Compared with Pay10
Key features
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
Compared with Pay10
Key features
PhonePe · Bengaluru · Payment gateways & UPI · 4.6/5
Gateway with PhonePe UPI and card processing.
1.99% per transaction · Currently free under a limited-period offer (T&C apply)
Free trial
Compared with Pay10
Key features
Easebuzz · Pune · Payment gateways & UPI · 4.6/5
Payment gateway and collections for education, SMEs and enterprises.
Pay as you go
Free trial
Compared with Pay10
Key features
Zaakpay (MobiKwik) · Gurugram · Payment gateways & UPI · 4.6/5
Payment gateway from MobiKwik.
Pay as you go
Free trial
Compared with Pay10
Atom Technologies (NTT DATA) · Mumbai · Payment gateways & UPI · 4.6/5
Payment gateway and bill collection for enterprises.
Pay as you go
Free trial
Compared with Pay10
PayPal · San Jose · Payment gateways & UPI · 4.4/5
Cross-border payments for Indian exporters and freelancers.
Pay as you go
Free trial
Skydo · Bengaluru · Payment gateways & UPI · 4.5/5
International payment collection for Indian exporters with FIRA.
Pay as you go
Free trial
Compared with Pay10
PayU2% per transaction · Domestic cards, net banking, wallets, BNPL; GST 18% extraCashfree PaymentsPay as you goPaytm Payment Gateway1.99% per transaction · Standard plan, plus 18% GSTInstamojo PaymentsRs 0/year · Payment Links Quick plan, 2% + Rs 3 per transactionPhonePe Payment Gateway1.99% per transaction · Currently free under a limited-period offer (T&C apply)EasebuzzPay as you goThe closest matches to Pay10 on App Advisor are PayU (2% per transaction · Domestic cards, net banking, wallets, BNPL; GST 18% extra), Cashfree Payments (Pay as you go), Paytm Payment Gateway (1.99% per transaction · Standard plan, plus 18% GST). They are ranked by how closely their category, pricing model, platforms and target business size match Pay10, then by rating. The best choice depends on your team size and budget.
None of the 20 closest alternatives to Pay10 has a free plan. Most offer a free trial instead, so ask for one before you commit.
Among alternatives that publish a price, PhonePe SmartSpeaker starts lowest at ₹99/mo. Prices are read from each vendor's website and exclude GST.
Yes. 16 alternatives are built in India, including PayU (2% per transaction · Domestic cards, net banking, wallets, BNPL; GST 18% extra), Cashfree Payments (Pay as you go), Paytm Payment Gateway (1.99% per transaction · Standard plan, plus 18% GST). Indian products usually handle GST, TDS and UPI natively and bill in rupees.
PayU is the closest match to Pay10 in our catalogue. Key differences: Built in India (Gurugram). Compare them side by side before you book a demo.
Every product listed sits in payment gateways & upi or a category Pay10 also covers, and Pay10'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
Tell us your team size and budget and we'll send a shortlist of three.
