PayU

by PayU India · Gurugram, Haryana · Since 2002

Payment gateway with EMI, BNPL and enterprise integrations.

Payment gateways & UPIRecommendedMade in India

Starting price: 2% per transaction; Domestic cards, net banking, wallets, BNPL; GST 18% extra
Free trial / plan: No setup fee; No onboarding or annual fees
Deployment: Cloud; Web
App Advisor rating: 4.7; transparency & India fit

What is PayU?

PayU is one of the longest-running payment gateways in India. It lets online businesses accept cards, UPI, net banking, wallets, EMI and pay-later through a single integration, and PayU says over 5 lakh Indian businesses use it. Alongside the core gateway it sells no-code tools (payment links, buttons, invoices and hosted checkout), Bharat QR, subscriptions, split settlements and an affordability suite covering EMI, BNPL and offers.

The pricing model is easy to follow for a small merchant. There is no setup fee, no annual fee and no maintenance charge. Domestic Visa, Mastercard cards, net banking, wallets and BNPL are charged 2% per transaction; Diners, Amex, EMI and international payments are charged 3%. GST at 18% is added on top of the MDR, so the real cost of a 2% transaction is about 2.36%. Larger merchants can negotiate volume-based slabs.

PayU suits D2C brands, education and travel businesses, and anyone who needs card EMI and pay-later options to lift conversion on higher-ticket orders. Standard settlement is T+2, which is slower than some newer gateways advertise by default; faster settlement exists but depends on business category and may carry a fee. Very small sellers who mostly take UPI may find a simpler UPI-first tool cheaper.

What works well

+No setup, onboarding or annual fees on the standard pay-as-you-use plan
+Published 2% and 3% MDR rates make the cost easy to estimate before signing up
+Over 150 payment modes, including card EMI, BNPL and wallets
+Affordability tools (EMI, pay-later, Offer Engine) help on high-value carts
+No-code payment links, buttons and invoices for businesses without a developer
+PCI-DSS compliant infrastructure, plus Token Hub for card tokenisation

What to watch out for

−18% GST is charged on top of the MDR, so the headline 2% is really about 2.36%
−Standard settlement is T+2; same-day settlement depends on category and may cost extra
−UPI merchant pricing is not published and varies by business type and volume
−Amex, Diners, EMI and international cards cost 3% per transaction
−Enterprise features such as a dedicated account manager need custom pricing

Best suited for: Indian D2C and e-commerce brands that want card EMI and pay-later at checkout · Education, travel and subscription businesses with higher ticket sizes · Small businesses that want payment links and invoices without coding · Large merchants that can negotiate volume-based MDR slabs

PayU: quick answers

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

What are PayU payment gateway charges?: On its pay-as-you-use plan, PayU charges 2% for Visa, Mastercard, net banking, BNPL and wallets (domestic transactions only) and 3% for Diners, American Express, EMI and international transactions. 18% GST applies on top.
Does PayU charge a setup or maintenance fee?: No. PayU says it charges no setup, onboarding or annual fees; you pay only on successful transactions.
What does PayU charge for UPI?: PayU says UPI P2P transactions carry zero MDR under government guidelines, and that pricing for merchant UPI categories varies by business type and volume. It does not publish a single UPI rate.
Can I get lower PayU rates?: Yes. PayU offers custom pricing based on volume, industry and business model, with lower MDR options for high-volume or enterprise merchants.
How fast does PayU settle?: Standard settlement is T+2. Same-day and Priority Settlements are available for some business categories and may carry a nominal fee.

Sources:payu.in

PayU at a glance

Analysing PayU — pricing, features, reviews and alternatives…

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

PayU features

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

Payment acceptance

Payment gateway with 150+ payment modes
Cards, UPI, net banking, wallets, EMI, BNPL
Bharat QR supporting 140+ UPI apps
POS and cross-border payments

No-code payments

Payment links
Payment buttons
Payment invoices
Hosted web checkout

Affordability

Card and cardless EMI
Buy now, pay later
Offer Engine
Loyalty Edge

Settlement and operations

Priority Settlements
Instant Refunds
Split Settlements
Token Hub for stored cards
Subscriptions
Risk tools for chargebacks and fraud
Accounting Automation

PayU pricing (INR)

Source

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

Pay-as-you-use

2% per transaction

Per successful transaction, plus 18% GST

Domestic Visa and Mastercard cards, net banking, wallets and BNPL at 2%
Diners, Amex, EMI and international transactions at 3%
UPI P2P at zero MDR
No setup, onboarding or annual fees
Standard T+2 settlement

Custom pricing

On request

Volume-based MDR slabs

Pricing based on volume, industry and business model
Custom workflows and checkout experiences
Dedicated account manager and priority support

Other pricing options & add-ons

Same-day / Priority Settlements
Availability depends on business category
Nominal fee may apply
UPI merchant transactions
Depends on business type and volume
Varies

• GST at 18% is charged on top of the MDR.
• PayU states it may change pricing at its discretion.
• No free trial is mentioned; there is no subscription fee to trial, as charges apply only per transaction.

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

Integrations, security & India

Integrations

Plugins for e-commerce platforms
REST APIs
Mobile app SDKs
No-code tools

Security & compliance

PCI-DSS compliant payment infrastructure
Card tokenisation through Token Hub
Risk management tools for fraud and chargeback control

For Indian businesses

Domestic transaction MDR is 2%; GST at 18% is added on top
UPI P2P carries zero MDR in line with government rules
Supports Bharat QR and 140+ UPI apps
Help options include FAQs, contact page and Digisaathi

Support, resources & partner network

Support & learning

Help and support FAQs
Contact Us page
Dedicated account manager on custom plans

Pricing Home

Trust, compliance & who uses PayU

5 lakh+ businesses in India

Customers

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 PayU the best choice for you?

Best choice if you are…

Indian D2C and e-commerce brands that want card EMI and pay-later at checkout
Education, travel and subscription businesses with higher ticket sizes
Small businesses that want payment links and invoices without coding
Large merchants that can negotiate volume-based MDR slabs

Look elsewhere if you are…

Sellers who take almost all payments by UPI and want zero-fee collection
Businesses that need next-day settlement by default without extra charges

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

Sources (2) · updated October 2026

PayU screenshots

Specifications

Category: Payment gateways & UPI
Vendor: PayU India
Headquarters: Gurugram, Haryana
Founded: 2002
Pricing model: Subscription
Starting price: 2% per transaction · Domestic cards, net banking, wallets, BNPL; GST 18% extra
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)

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PayU — frequently asked questions

What are PayU payment gateway charges?+

On its pay-as-you-use plan, PayU charges 2% for Visa, Mastercard, net banking, BNPL and wallets (domestic transactions only) and 3% for Diners, American Express, EMI and international transactions. 18% GST applies on top.

Does PayU charge a setup or maintenance fee?+

No. PayU says it charges no setup, onboarding or annual fees; you pay only on successful transactions.

What does PayU charge for UPI?+

PayU says UPI P2P transactions carry zero MDR under government guidelines, and that pricing for merchant UPI categories varies by business type and volume. It does not publish a single UPI rate.

Can I get lower PayU rates?+

Yes. PayU offers custom pricing based on volume, industry and business model, with lower MDR options for high-volume or enterprise merchants.

How fast does PayU settle?+

Standard settlement is T+2. Same-day and Priority Settlements are available for some business categories and may carry a nominal fee.

What are PayU payment gateway charges in India?+

PayU charges 2% per transaction for domestic Visa and Mastercard cards, net banking, wallets and BNPL. Diners, Amex, EMI and international transactions cost 3%. There is no setup or annual fee on the standard plan.

Is GST included in PayU's 2% fee?+

No. PayU adds 18% GST on top of the MDR, so a 2% transaction effectively costs about 2.36% of the order value.

Does PayU charge a setup fee or AMC?+

No. PayU's pricing page says the pay-as-you-use plan has no setup fee, no onboarding fee and no annual or maintenance fee. You pay only on transactions.

Does PayU have a free trial?+

PayU does not advertise a free trial. Since there is no fixed fee, you only pay MDR when you actually receive payments.

How fast does PayU settle money?+

PayU's standard settlement cycle is T+2. Same-day and Priority Settlements are available to some business categories and may carry a nominal fee.

Does PayU charge for UPI payments?+

UPI P2P transactions carry zero MDR as per government guidelines. For UPI merchant categories, PayU says pricing varies with business type and volume and does not publish a rate.

Can I use PayU without a website?+

Yes. PayU offers payment links, payment buttons, invoices and a hosted checkout, which let you collect money over WhatsApp, email or social media without building a website integration.

Is PayU secure?+

PayU runs on PCI-DSS compliant infrastructure and offers card tokenisation through Token Hub, plus risk tools for fraud and chargeback control.

Does PayU support EMI and pay later?+

Yes. PayU's affordability suite includes card EMI, BNPL and an Offer Engine. EMI transactions are charged at 3% MDR plus GST.

Can large businesses get lower PayU rates?+

Yes. PayU offers custom pricing with volume-based MDR slabs depending on volume, industry and business model, along with a dedicated account manager.

What is PayU?+

PayU is payment gateways & upi by PayU India, an Indian company from Gurugram. Payment gateway with EMI, BNPL and enterprise integrations.

How much does PayU cost?+

PayU India publishes: 2% per transaction · Domestic cards, net banking, wallets, BNPL; GST 18% extra. Confirm current plans and taxes on the official pricing page.

Does PayU offer a free trial or free plan?+

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

Is PayU made in India?+

Yes. PayU is built by PayU India, headquartered in Gurugram, Haryana.

Who is PayU best suited for?+

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

What are the best alternatives to PayU?+

Popular alternatives in payment gateways & upi include Razorpay, Paytm Payment Gateway, Cashfree Payments. Use App Advisor's compare tool to see them side by side.

How is PayU deployed?+

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