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Payment gateways & UPI · Alternatives
PayU is a payment gateways & upi product from PayU India, Gurugram, priced at 2% per transaction · Domestic cards, net banking, wallets, BNPL; GST 18% extra. We compared 20 alternatives on published price, free plan, platforms and made-in-India support: 0 have a free plan, 18 are built in India.
Quick answer
The closest alternatives to PayU are 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), PhonePe Payment Gateway (1.99% per transaction · Currently free under a limited-period offer (T&C apply)) and Easebuzz (Pay as you go). Published prices in this list start at ₹5/month.
Reported limitation
18% GST is charged on top of the MDR, so the headline 2% is really about 2.36%
Reported limitation
Standard settlement is T+2; same-day settlement depends on category and may cost extra
Reported limitation
UPI merchant pricing is not published and varies by business type and volume
Ranked by how closely each product matches PayU'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 |
|---|---|---|---|---|---|---|---|
| — | PayU (current) | 2% per transaction · Domestic cards, net banking, wallets, BNPL; GST 18% extra | No | Web | Yes | 4.7/5 | — |
| 1 |  Cashfree Payments | Pay as you go | No | Web | Yes | 4.7/5 | vs PayU |
| 2 |  Paytm Payment Gateway | 1.99% per transaction · Standard plan, plus 18% GST | No | Web | Yes | 4.7/5 | vs PayU |
| 3 |  Instamojo Payments | Rs 0/year · Payment Links Quick plan, 2% + Rs 3 per transaction | No | Web | Yes | 4.6/5 | vs PayU |
| 4 |  PhonePe Payment Gateway | 1.99% per transaction · Currently free under a limited-period offer (T&C apply) | No | Web | Yes | 4.6/5 | |
| 5 |  Easebuzz | Pay as you go | No | Web | Yes | 4.6/5 | |
| 6 |  Zaakpay | Pay as you go | No | Web | Yes | 4.6/5 | |
| 7 |  Atom Technologies | Pay as you go | No | Web | Yes | 4.6/5 | vs PayU |
| 8 |  Skydo | Pay as you go | No | Web | Yes | 4.5/5 | |
| 9 |  Salt by Salt.pe | Pay as you go | No | Web | Yes | 4.4/5 | |
| 10 |  BRISKPE | Pay as you go | No | Web | Yes | 4.4/5 | |
| 11 |  Paytm Soundbox | ₹125/mo | No | Web | Yes | 4.5/5 | |
| 12 |  PhonePe SmartSpeaker | ₹99/mo | No | Web | Yes | 4.4/5 | |
| 13 |  Open Money Collect | Pay as you go | No | Web | Yes | 4.4/5 | |
| 14 |  Nimbbl | Pay as you go | No | Web | Yes | 4.3/5 | |
| 15 |  Simpl | Pay as you go | No | Web | Yes | 4.3/5 | |
| 16 |  ZestMoney | Pay as you go | No | Web | Yes | 4.3/5 | |
| 17 |  PayPal | Pay as you go | No | Web | No | 4.4/5 | |
| 18 |  LazyPay | Pay as you go | No | Web | Yes | 4.3/5 | |
| 19 |  Stripe | Pay as you go | No | Web | No | 4.4/5 | |
| 20 |  Paysharp | ₹5/mo | No | Web | Yes | 4.3/5 |
Cashfree Payments · Bengaluru · Payment gateways & UPI · 4.7/5
Payment gateway and payouts with high UPI success rates.
Pay as you go
Free trial
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
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
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
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
Key features
Zaakpay (MobiKwik) · Gurugram · Payment gateways & UPI · 4.6/5
Payment gateway from MobiKwik.
Pay as you go
Free trial
Atom Technologies (NTT DATA) · Mumbai · Payment gateways & UPI · 4.6/5
Payment gateway and bill collection for enterprises.
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
Salt · Bengaluru · Payment gateways & UPI · 4.4/5
Cross-border payments and virtual accounts for Indian businesses.
Pay as you go
Free trial
BriskPe · Mumbai · Payment gateways & UPI · 4.4/5
Cross-border payment collection for SMEs and freelancers.
Pay as you go
Free trial
Cashfree 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 goZaakpayPay as you goThe closest matches to PayU on App Advisor are 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). They are ranked by how closely their category, pricing model, platforms and target business size match PayU, then by rating. The best choice depends on your team size and budget.
None of the 20 closest alternatives to PayU has a free plan. Most offer a free trial instead, so ask for one before you commit.
Among alternatives that publish a price, Paysharp starts lowest at ₹5/mo. Prices are read from each vendor's website and exclude GST.
Yes. 18 alternatives are built in India, including 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). Indian products usually handle GST, TDS and UPI natively and bill in rupees.
Cashfree Payments is the closest match to PayU in our catalogue. Compare them side by side before you book a demo.
Every product listed sits in payment gateways & upi or a category PayU also covers, and PayU India'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.
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