RecommendedMade in India
Starts at
2% per transaction · Domestic cards, net banking, wallets, BNPL; GST 18% extra
Paytm Payment Gateway
by Paytm · Noida, Uttar Pradesh · Since 2010
Gateway with Paytm wallet, UPI and card acceptance.
Payment gateways & UPIMade in India
- Starting price
- 1.99% per transaction
- Standard plan, plus 18% GST
- Free trial / plan
- No setup or annual fee
- Pay only per transaction
- Deployment
- Cloud
- Web
- App Advisor rating
- 4.7
- transparency & India fit
What is Paytm Payment Gateway?
Paytm Payment Gateway is the online payment acceptance product from Paytm, now sold under the paytmpayments.com domain (the old business.paytm.com page redirects there). It suits Indian startups, D2C stores, coaching institutes, SaaS firms and larger brands that want UPI, cards, net banking, EMI and Paytm Postpaid in one checkout. Named clients on its site include Titan Group, PhysicsWallah and Blinkit.
Its pricing is short to read. The Standard plan charges a flat 1.99% platform fee on all transactions, plus 18% GST, with no setup fee, no annual maintenance charge and no upgrade charge. Enterprise pricing is custom. Paytm's pricing terms add that the rate finally applied is the one communicated after your account is approved, and merchants on hosted store builders or bank integrations may get different rates, so treat 1.99% as the published starting point rather than a guaranteed number.
Settlement defaults to T+1, with same-day and on-demand settlement on offer. The developer side is mature: JS Checkout, a custom v1 API stack, mobile and server SDKs, and plugins for about 20 platforms including WooCommerce, Magento, OpenCart, PrestaShop, Moodle and WHMCS. APIs cover subscriptions, refunds, payment links, bank offers, no-cost EMI subvention, disputes and a token gateway. The gateway is PCI-DSS compliant and Paytm cites 99.99% uptime.
Weaknesses are mostly about transparency. Paytm publishes no separate rates for UPI, RuPay debit, international cards or Amex, and its own pages give conflicting throughput figures. If most of your volume is small UPI payments, ask in writing how they will be priced, and compare quotes from Razorpay, Cashfree and PayU before signing.
What works well
- +No setup fee, annual maintenance charge or software upgrade charge on the Standard plan
- +A single published 1.99% platform fee makes first-year cost easy to estimate
- +T+1 settlement by default, with same-day and on-demand settlement options
- +Plugins for about 20 platforms, including WooCommerce, Magento, OpenCart, Moodle and WHMCS
- +APIs for subscriptions, payment links, refunds, bank offers and no-cost EMI subvention
- +Accepts Paytm Postpaid, UPI, Visa, Mastercard, RuPay, Amex, Diners and 50+ net banking banks
- +PCI-DSS compliant with tokenisation and a dedicated token gateway API
What to watch out for
- −No published per-method rates for UPI, international cards or Amex; the 1.99% is a blanket figure
- −Pricing terms say the final rate is set after account approval and may differ from the website
- −Enterprise pricing is quote-only with no figures shown
- −Paytm's own pages quote inconsistent throughput figures, from 2,500 to 10,000+ transactions per second
- −Transaction limits are set per merchant based on business type and documents submitted
Best suited for: Indian SMBs and startups that want a no-setup-fee gateway with a published rate · Ed-tech, coaching and course sellers using Moodle or WordPress who need EMI options · Subscription businesses that need recurring payment and payment link APIs · Brands whose customers already use Paytm UPI and Paytm Postpaid
Paytm Payment Gateway: quick answers
The questions people most often search for, answered from Paytm Payment Gateway's own pages.
- What are Paytm payment gateway charges?
- Paytm's Standard Pricing Plan lists a 1.99% platform fee on transactions, plus 18% GST. The public page does not break rates down by payment method.
- Is there a setup fee?
- No. Paytm says it charges merchants no setup or annual maintenance fee.
- Who operates Paytm Payment Gateway?
- Paytm Payments Services Limited, at paytmpayments.com.
About Paytm Payment Gateway
Paytm Payment Gateway advertises capacity of 10,000 transactions per second, 99.99% uptime, real-time settlement, a dedicated account manager and 24/7 priority support.
For rates on individual payment methods, contact Paytm's sales team. The public pricing page shows only the standard platform fee.
Paytm Payment Gateway at a glance
Analysing Paytm Payment Gateway — pricing, features, reviews and alternatives…
Generated by App Advisor's native engine from this listing's verified data — not a paid placement.
Paytm Payment Gateway features
Researched from Paytm Payment Gateway's official product pages · updated October 2026.
Payment methods
- 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
Integration options
- JS Checkout two-step integration
- Custom Checkout on the v1 API stack
- JS Elements inline payment UI
- Mobile SDKs and server SDKs
- POS integration and dynamic QR
APIs
- Subscriptions
- Refunds and settlement
- Payment links and large payment collection
- Disputes and chargebacks
- Token gateway and downtime notification
Operations
- T+1, same-day and on-demand settlement
- Real-time analytics and custom reports
- Reconciliation and refunds from the dashboard
- International payments without separate APIs
Paytm Payment Gateway pricing (INR)
SourceEvery edition as published by the vendor. Prices exclude GST unless stated. Full Paytm Payment Gateway pricing breakdown
Standard
1.99% per transaction
platform fee on all transactions, plus 18% GST
- Zero setup fee and no annual maintenance charge
- No software upgrade charges
- Real-time bank settlement listed as a feature
- Aimed at startups and SMBs
Enterprise
Custom quote
- For large businesses
- Pricing set after consultation with Paytm
- Same API and plugin stack as Standard
- • The 1.99% platform fee is published as applying to all transactions; no separate rates are shown for UPI, cards, net banking or EMI.
- • Paytm's pricing terms say the website shows standard rates, that merchants on hosted ecommerce platforms or bank integrations may get different pricing, and that the final rate is the one communicated after account creation.
- • 18% GST applies on top of the fee.
Buying for a team? App Advisor can get you a volume quote and any partner discount available.
Integrations, security & India
Integrations
- Shopify
- WooCommerce
- Magento
- WordPress
- OpenCart
- PrestaShop
- Moodle
- Joomla
- Drupal Commerce
- CS-Cart
- WHMCS
- Gravity Forms
- Easy Digital Downloads
- NopCommerce
- osCommerce
Security & compliance
- PCI-DSS compliant
- Encryption and card tokenisation
- Fraud prevention systems
- 99.99% uptime cited by Paytm
For Indian businesses
- Accepts UPI, RuPay cards and net banking with 50+ Indian banks
- Pricing is in INR with 18% GST charged on the platform fee
- Supports Paytm Postpaid and card or cardless EMI, common at Indian checkouts
- Indian clients named include Titan Group, PhysicsWallah and Blinkit
- Contact number on Paytm's pricing terms is +91 120 4890600 (Noida area code)
Support, resources & partner network
Support & learning
- Developer docs at paytmpayments.com/docs
- Phone +91 120 4890600
Trust, compliance & who uses Paytm Payment Gateway
Certifications & compliance
- PCI-DSS Source
Each claim links to the vendor's own published statement. Always confirm current certificate validity directly with the vendor.
Is Paytm Payment Gateway the best choice for you?
Best choice if you are…
- Indian SMBs and startups that want a no-setup-fee gateway with a published rate
- Ed-tech, coaching and course sellers using Moodle or WordPress who need EMI options
- Subscription businesses that need recurring payment and payment link APIs
- Brands whose customers already use Paytm UPI and Paytm Postpaid
Look elsewhere if you are…
- Businesses that need line-by-line published rates per payment method before signing
- Very high-volume merchants who should negotiate enterprise rates with several gateways at once
Still comparing? Get an unbiased shortlist and demos arranged for free.
Sources (5) · updated October 2026
Specifications
- Category
- Payment gateways & UPI
- Vendor
- Paytm
- Headquarters
- Noida, Uttar Pradesh
- Founded
- 2010
- Pricing model
- Subscription
- Starting price
- 1.99% per transaction · Standard plan, plus 18% GST
- Deployment
- Cloud
- Platforms
- Web
- Best for
- Small business, SMB, Mid-market
- Made in India
- Yes
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Compare all Paytm Payment Gateway alternatives with pricing →Paytm Payment Gateway — frequently asked questions
What are Paytm payment gateway charges?+
Paytm's Standard Pricing Plan lists a 1.99% platform fee on transactions, plus 18% GST. The public page does not break rates down by payment method.
Is there a setup fee?+
No. Paytm says it charges merchants no setup or annual maintenance fee.
Who operates Paytm Payment Gateway?+
Paytm Payments Services Limited, at paytmpayments.com.
What are Paytm Payment Gateway charges?+
Paytm Payment Gateway's Standard plan charges a 1.99% platform fee on all transactions, with 18% GST added on top. There is no setup fee, no annual maintenance charge and no upgrade charge. Enterprise pricing is custom. Paytm notes that your final rate is the one it confirms after account approval, which can differ from the website.
Is there a setup fee for Paytm Payment Gateway?+
No. Paytm states that it does not charge merchants any setup fee or annual maintenance fee for its payment gateway, and the pricing page adds that software upgrades are free. You pay only the per-transaction platform fee, which is 1.99% plus GST on the Standard plan, so there is no fixed cost if a month has no sales.
How fast does Paytm Payment Gateway settle money?+
Paytm Payment Gateway settles on a T+1 cycle by default, meaning funds reach your bank the next working day. Same-day and on-demand settlement are also offered. Paytm does not publish separate charges for faster settlement on its pricing page, so confirm any extra cost for instant settlement with sales before relying on it.
Which payment methods does Paytm Payment Gateway support?+
Paytm Payment Gateway accepts UPI, Paytm Postpaid, Visa, Mastercard, RuPay, Amex and Diners cards, net banking with more than 50 banks, and both card and cardless EMI. Paytm says it supports over 100 payment methods in total and can accept international customers without extra API work.
Paytm Payment Gateway vs Razorpay: which is better?+
Paytm Payment Gateway publishes a single 1.99% plus GST rate with no setup fee, and brings Paytm Postpaid and a large Paytm UPI user base. Razorpay is often preferred for its broader product suite and detailed docs. Since Paytm shows no per-method rates, get written quotes for UPI, cards and international payments from both before choosing.
Does Paytm Payment Gateway work with WooCommerce and Shopify?+
Yes. Paytm Payment Gateway offers plugins for around 20 platforms, including WooCommerce, WordPress, Magento, OpenCart, PrestaShop, Joomla, Drupal Commerce, Moodle and WHMCS, and its product page also lists Shopify. For custom websites and apps there are JS Checkout, a custom API stack, and mobile and server SDKs.
Is Paytm Payment Gateway secure?+
Paytm Payment Gateway is PCI-DSS compliant and uses encryption, card tokenisation and fraud prevention systems, according to Paytm. It also offers a token gateway API for storing card tokens. Paytm cites 99.99% uptime. No other certifications are listed on the gateway page, so ask for documentation if your auditors need more.
Can I collect recurring payments with Paytm Payment Gateway?+
Yes. Paytm Payment Gateway's developer documentation includes a Subscriptions API for recurring payments, alongside payment links, large payment collection, bank offers and EMI subvention for no-cost EMI. This suits SaaS products, memberships, tuition fees and other businesses that bill customers on a schedule rather than one time.
How long does Paytm Payment Gateway onboarding take?+
Paytm Payment Gateway offers digital onboarding with minimal documentation for eligible businesses. Paytm does not publish a fixed approval time. Transaction limits are set per merchant based on business type and the documents you submit, so keep your KYC, bank and website details ready to avoid delays in going live.
Does Paytm Payment Gateway have a free trial?+
Paytm Payment Gateway has no free trial in the usual sense, but it has no setup or annual fee either, so you pay only the 1.99% plus GST fee on live transactions. Developers can test integrations with testing credentials listed in Paytm's docs before going live, without paying anything.
What is Paytm Payment Gateway?+
Paytm Payment Gateway is payment gateways & upi by Paytm, an Indian company from Noida. Gateway with Paytm wallet, UPI and card acceptance.
How much does Paytm Payment Gateway cost?+
Paytm publishes: 1.99% per transaction · Standard plan, plus 18% GST. Confirm current plans and taxes on the official pricing page.
Does Paytm Payment Gateway offer a free trial or free plan?+
App Advisor's listing records a free trial for Paytm Payment Gateway. Confirm the current trial terms on Paytm's official site.
Is Paytm Payment Gateway made in India?+
Yes. Paytm Payment Gateway is built by Paytm, headquartered in Noida, Uttar Pradesh.
Who is Paytm Payment Gateway best suited for?+
Paytm Payment Gateway suits small business, smb, mid-market buyers looking for payment gateways & upi.
What are the best alternatives to Paytm Payment Gateway?+
Popular alternatives in payment gateways & upi include PayU, Razorpay, Cashfree Payments. Use App Advisor's compare tool to see them side by side.
How is Paytm Payment Gateway deployed?+
Paytm Payment Gateway is available as a cloud (SaaS) product, with web access.
Guides that mention Paytm Payment Gateway
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About Paytm
Paytm · Noida, Uttar Pradesh · Founded 2010 · 10 products in our catalogue · Indian company
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