PhonePe Payment Gateway

by PhonePe · Bengaluru, Karnataka · Since 2015

Gateway with PhonePe UPI and card processing.

Starting price: 1.99% per transaction; Currently free under a limited-period offer (T&C apply)
Free trial / plan: Zero setup and AMC; No setup or annual maintenance fee
Deployment: Cloud; Web
App Advisor rating: 4.6; transparency & India fit

What is PhonePe Payment Gateway?

PhonePe Payment Gateway (PhonePe PG) is the online checkout product of PhonePe Limited, which its site describes as an RBI-authorised Payment Aggregator. It lets Indian websites and apps accept UPI, credit and debit cards, net banking and wallets. Around that it adds payment links, dynamic QR, UPI AutoPay for subscriptions, tokenised cards and international payments. PhonePe names redBus, IRCTC, Meesho and MakeMyTrip among its users. For a D2C brand, coaching institute or SaaS startup whose customers already pay with the PhonePe UPI app, it belongs on the shortlist next to Razorpay, Cashfree and PayU.

The pricing is simple to describe. The Standard plan has no setup fee, no annual maintenance charge and no hidden charges. PhonePe advertises a 1.99% rate that is currently waived as "free" under a limited-period offer with terms and conditions. High-volume merchants move to an Enterprise plan with custom pricing and a dedicated account manager. Before you assume zero fees, read the offer terms in your merchant agreement. The public page does not show the per-method rate card after the offer ends, and it does not say how GST applies to the fee.

The developer side is solid. There are backend SDKs for Java, Python, Node.js, PHP and .NET, and mobile SDKs for Android, iOS, Flutter, Ionic and React Native. Plugins cover Shopify, WooCommerce, Magento and Bagisto. A UAT sandbox, go-live checklist, webhooks and refund APIs are documented. The official WooCommerce plugin needs PHP 8.2 or higher, so older shared-hosting stores may need an upgrade first.

The gaps are in transparency. Settlement cycles, international card fees and a full rate card are not published, and PhonePe lacks the long add-on list (payouts, lending, invoicing) that Razorpay has built over the years. One customer quoted on the page says it went live in three days, which matches what a small store should expect if KYC documents are ready.

What works well

+No setup fee and no annual maintenance charge on the Standard plan
+Limited-period offer waives the advertised 1.99% transaction fee for eligible merchants
+Standard Checkout is a hosted page, so the merchant does not need its own PCI DSS compliance
+UPI AutoPay with pause, cancel and revoke APIs handles subscriptions and recurring billing
+Official plugins for Shopify, WooCommerce, Magento and Bagisto stores
+Backend SDKs in five languages plus Flutter and React Native mobile SDKs
+Documented UAT sandbox and go-live checklist make testing straightforward for developers

What to watch out for

−The public page does not publish per-method MDR rates once the offer ends
−Settlement timelines (T+1 or otherwise) are not stated on the official pages
−GST treatment of gateway fees is not explained on the pricing page
−Official WooCommerce plugin needs PHP 8.2 or newer, which some older hosts lack
−Fewer adjacent products such as payouts or invoicing than Razorpay or Cashfree offer

Best suited for: Indian D2C and e-commerce stores on Shopify or WooCommerce · Subscription businesses needing UPI AutoPay mandates · Startups wanting a gateway with zero setup and maintenance fees · Mobile-first apps built in Flutter or React Native

PhonePe Payment Gateway at a glance

Analysing PhonePe Payment Gateway — pricing, features, reviews and alternatives…

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

PhonePe Payment Gateway features

Researched from PhonePe Payment Gateway's official product pages · updated October 2026.

Payment methods

UPI
Credit and debit cards
Net banking
Wallets
International payments

Checkout products

Standard hosted checkout
Payment links over WhatsApp, SMS and email
Dynamic QR codes
Pay on Delivery
Tokenised cards for quick checkout

Recurring payments

UPI AutoPay mandates
Subscription setup and redemption APIs
Pause and unpause
Cancellation and revocation

Developer tools

Java, Python, Node.js, PHP and .NET SDKs
Android, iOS, Flutter, Ionic and React Native SDKs
Webhooks and refund APIs
UAT sandbox and go-live checklist

Merchant dashboard

Transaction and settlement reports
Refund management
Success-rate analytics
Real-time instrument health tracking

PhonePe Payment Gateway pricing (INR)

Source

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

Standard

1.99% (offer: free*)

Per successful transaction

Zero setup fee
Zero annual maintenance fee
No hidden charges
Same pricing across checkout, payment links, dynamic QR and AutoPay

Enterprise

Custom

For high-volume businesses

Personalised pricing
Priority onboarding
Dedicated account manager

• PhonePe advertises a limited-period zero transaction fee offer; its terms are not shown on the public page.
• The FAQ says merchants pay only on successful payments, with no setup or hidden charges.
• GST on gateway fees and settlement timing are not stated publicly.

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

Implementing PhonePe Payment Gateway

Source

Ways to implement

E-commerce plugin
Standard Checkout API
Mobile SDKs
No-code payment links

A few days; one quoted customer went live in 3 days

1Sign up and complete KYC on business.phonepe.com
2Integrate and test in the UAT sandbox
3Complete the UAT checklist
4Take production credentials from Developer Settings and go live

Need a certified partner in India to set up PhonePe Payment Gateway?Implementation help

Integrations, security & India

Integrations

Shopify
WooCommerce
Magento
Bagisto

Security & compliance

PCI DSS compliant infrastructure
Hosted Standard Checkout keeps card data off the merchant's servers
Real-time payment instrument health monitoring

For Indian businesses

Operated by PhonePe Limited, stated to be an RBI-authorised Payment Aggregator
UPI AutoPay supports recurring mandates under India's UPI framework
Merchant sign-up, KYC and API keys are handled on the PhonePe Business dashboard at business.phonepe.com
Named users include IRCTC, redBus, Meesho and MakeMyTrip

Trust, compliance & who uses PhonePe Payment Gateway

Certifications & compliance

RBI Payment Aggregator authorisation Source
PCI DSS Source

Each claim links to the vendor's own published statement. Always confirm current certificate validity directly with the vendor.

Is PhonePe Payment Gateway the best choice for you?

Best choice if you are…

Indian D2C and e-commerce stores on Shopify or WooCommerce
Subscription businesses needing UPI AutoPay mandates
Startups wanting a gateway with zero setup and maintenance fees
Mobile-first apps built in Flutter or React Native

Look elsewhere if you are…

Businesses that need a published, fixed rate card before signing
Companies wanting payouts, vendor payments and lending from the same provider

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

Sources (4) · updated October 2026

PhonePe Payment Gateway screenshots

Specifications

Category: Payment gateways & UPI
Vendor: PhonePe
Headquarters: Bengaluru, Karnataka
Founded: 2015
Pricing model: Subscription
Starting price: 1.99% per transaction · Currently free under a limited-period offer (T&C apply)
Deployment: Cloud
Platforms: Web
Best for: Small business, SMB, Mid-market
Made in India: Yes

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PhonePe Payment Gateway — frequently asked questions

What are PhonePe Payment Gateway charges?+

PhonePe Payment Gateway's Standard plan lists a 1.99% fee per successful transaction, with no setup fee and no annual maintenance charge. PhonePe is currently running a limited-period offer that shows this fee as free, subject to terms and conditions. High-volume businesses can ask for custom Enterprise pricing. Confirm the rate that applies after the offer ends in writing.

Is GST charged on PhonePe Payment Gateway fees?+

PhonePe's public pricing page for its payment gateway does not explain GST. In India, payment gateway fees are normally a taxable service, so expect GST to be added to any fee charged once the zero-fee offer ends. Ask PhonePe to confirm GST invoicing against your GSTIN during onboarding so you can claim input tax credit.

Is there a free trial for PhonePe Payment Gateway?+

PhonePe Payment Gateway has no trial in the usual sense, because there is no subscription. You pay only per successful transaction, and setup and annual maintenance are free. During the current limited-period offer the advertised 1.99% transaction fee is waived. Developers can also test everything free in PhonePe's UAT sandbox before going live.

Which payment methods does PhonePe Payment Gateway support?+

PhonePe Payment Gateway accepts UPI, credit and debit cards, net banking and wallets, and it also supports international payments. On top of checkout it offers payment links shared on WhatsApp, SMS or email, dynamic QR codes, Pay on Delivery, tokenised cards for faster repeat checkout and UPI AutoPay for recurring subscription payments.

PhonePe Payment Gateway vs Razorpay: which is better?+

PhonePe Payment Gateway competes mainly on price. It has zero setup and maintenance fees, and transaction fees are waived during its current offer. Razorpay has a longer track record, a published rate card and more add-ons such as payouts, invoicing and payroll. Small UPI-heavy stores may save money with PhonePe, while businesses that want one finance stack may prefer Razorpay.

Does PhonePe Payment Gateway work with Shopify and WooCommerce?+

Yes. PhonePe Payment Gateway's developer docs list official plugins for Shopify, WooCommerce, Magento and Bagisto. Note that the WooCommerce plugin works only in the live production environment, not in UAT. The WooCommerce plugin needs PHP 8.2 or higher, WordPress 5.4 or higher and WooCommerce 4.1 or higher. Production keys come from Developer Settings in the PhonePe business dashboard.

Is PhonePe Payment Gateway safe?+

PhonePe says its payment gateway runs on PCI DSS compliant infrastructure with real-time monitoring of payment instrument health, and its hosted Standard Checkout means merchants do not handle card data themselves. The site footer states that PhonePe Limited is an RBI-authorised Payment Aggregator. As with any gateway, your developers must verify webhooks and payment status on the server rather than trusting the browser redirect.

Can I collect subscriptions with PhonePe Payment Gateway?+

Yes. PhonePe Payment Gateway supports UPI AutoPay for recurring billing through Standard Checkout, Custom Checkout and payment links. Its APIs cover subscription setup, redemption, pause and unpause, cancellation and revocation. This suits Indian SaaS, OTT, coaching and membership businesses collecting monthly fees by UPI mandate.

How long does it take to go live on PhonePe Payment Gateway?+

PhonePe says merchants can go live on its payment gateway in days, and one customer quoted on its site went live in three days. With a plugin on Shopify or WooCommerce and KYC documents ready, a small store can finish in that time. A custom API or mobile SDK integration takes longer because of UAT testing.

Does PhonePe Payment Gateway have mobile SDKs?+

Yes. PhonePe Payment Gateway offers SDKs for native Android and iOS apps, plus Flutter, Ionic and React Native. Backend SDKs are available in Java, Python, Node.js, PHP and .NET for creating payments, checking order status and initiating refunds. Webhook handling is documented for most integration types.

Where is the PhonePe Payment Gateway login page?+

PhonePe Payment Gateway's login is at https://business.phonepe.com/login?utm_source=pp_website_organic_redirect, linked from its official website.

How do I sign up for PhonePe Payment Gateway?+

New accounts are created at https://business.phonepe.com/register?utm_source=pp_website_organic_redirect on PhonePe Payment Gateway's official site.

Is PhonePe Payment Gateway secure and compliant?+

PhonePe Payment Gateway's official site states ISO 27001, PCI DSS compliance.

What is PhonePe Payment Gateway?+

PhonePe Payment Gateway is payment gateways & upi by PhonePe, an Indian company from Bengaluru. Gateway with PhonePe UPI and card processing.

How much does PhonePe Payment Gateway cost?+

PhonePe publishes: 1.99% per transaction · Currently free under a limited-period offer (T&C apply). Confirm current plans and taxes on the official pricing page.

Does PhonePe Payment Gateway offer a free trial or free plan?+

App Advisor's listing records a free trial for PhonePe Payment Gateway. Confirm the current trial terms on PhonePe's official site.

Is PhonePe Payment Gateway made in India?+

Yes. PhonePe Payment Gateway is built by PhonePe, headquartered in Bengaluru, Karnataka.

Who is PhonePe Payment Gateway best suited for?+

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

What are the best alternatives to PhonePe Payment Gateway?+

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

How is PhonePe Payment Gateway deployed?+

PhonePe Payment Gateway is available as a cloud (SaaS) product, with web access.