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Payment gateways & UPI · Alternatives
PhonePe Payment Gateway is a payment gateways & upi product from PhonePe, Bengaluru, priced at 1.99% per transaction · Currently free under a limited-period offer (T&C apply). 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 PhonePe Payment Gateway 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 Easebuzz (Pay as you go). Published prices in this list start at ₹5/month.
Reported limitation
The public page does not publish per-method MDR rates once the offer ends
Reported limitation
Settlement timelines (T+1 or otherwise) are not stated on the official pages
Reported limitation
GST treatment of gateway fees is not explained on the pricing page
Ranked by how closely each product matches PhonePe Payment Gateway'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 |
|---|---|---|---|---|---|---|---|
| — | PhonePe Payment Gateway (current) | 1.99% per transaction · Currently free under a limited-period offer (T&C apply) | No | Web | Yes | 4.6/5 | — |
| 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 |  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 | |
| 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 |  Open Money Collect | Pay as you go | No | Web | Yes | 4.4/5 | |
| 13 |  Nimbbl | Pay as you go | No | Web | Yes | 4.3/5 | |
| 14 |  Simpl | Pay as you go | No | Web | Yes | 4.3/5 | |
| 15 |  ZestMoney | Pay as you go | No | Web | Yes | 4.3/5 | |
| 16 |  PayPal | Pay as you go | No | Web | No | 4.4/5 | |
| 17 |  LazyPay | Pay as you go | No | Web | Yes | 4.3/5 | |
| 18 |  Stripe | Pay as you go | No | Web | No | 4.4/5 | |
| 19 |  Paysharp | ₹5/mo | No | Web | Yes | 4.3/5 | |
| 20 |  Snapmint | 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
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
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
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
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 transactionEasebuzzPay as you goZaakpayPay as you goThe closest matches to PhonePe Payment Gateway 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 PhonePe Payment Gateway, then by rating. The best choice depends on your team size and budget.
None of the 20 closest alternatives to PhonePe Payment Gateway 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 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 PhonePe Payment Gateway in our catalogue. Compare them side by side before you book a demo.
Every product listed sits in payment gateways & upi or a category PhonePe Payment Gateway also covers, and PhonePe'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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