1. Bluevine
Bluevine Inc. · Jersey City · Payment gateways & UPI · 4.4/5
Online business checking with no monthly fees plus lines of credit and term loans.
On request
Free plan available
Payment gateways & UPI · Alternatives
Best Relay alternatives in India (2026)
Relay is a payment gateways & upi product from Relay Financial Technologies Inc., New York, priced at On request with a free plan. We compared 20 alternatives on published price, free plan, platforms and made-in-India support: 7 have a free plan, 14 are built in India.
Quick answer
The closest alternatives to Relay are Bluevine (On request), Airwallex (On request), PayU (Pay as you go), BharatPe (Free) and Cashfree Payments (Pay as you go). Bluevine is the top-ranked option with a free plan.
Why businesses look for a Relay alternative
Indian support and GST
Relay is built in United States. 14 alternatives are made in India, where GST, TDS and UPI are usually handled natively and support runs on IST.
Relay alternatives compared
Ranked by how closely each product matches Relay'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 |
|---|---|---|---|---|---|---|---|
| — | Relay (current) | On request | Yes | Web | No | 4.3/5 | — |
| 1 | Bluevine | On request | Yes | Web | No | 4.4/5 | |
| 2 |  Airwallex | On request | Yes | Web | No | 4.3/5 | |
| 3 |  PayU | Pay as you go | No | Web | Yes | 4.7/5 | |
| 4 |  BharatPe | Free | Yes | Web | Yes | 4.6/5 | |
| 5 |  Cashfree Payments | Pay as you go | No | Web | Yes | 4.7/5 | |
| 6 |  Freecharge for Business | Free | Yes | Web | Yes | 4.6/5 | |
| 7 |  Paytm Payment Gateway | Pay as you go | No | Web | Yes | 4.7/5 | |
| 8 |  Instamojo Payments | Pay as you go | No | Web | Yes | 4.6/5 | |
| 9 |  Google Pay for Business | Free | Yes | Web | No | 4.5/5 | |
| 10 |  PhonePe Payment Gateway | Pay as you go | No | Web | Yes | 4.6/5 | |
| 11 |  Easebuzz | Pay as you go | No | Web | Yes | 4.6/5 | |
| 12 |  NPCI UPI | Free | Yes | Web | Yes | 4.5/5 | |
| 13 |  Zaakpay | Pay as you go | No | Web | Yes | 4.6/5 | |
| 14 |  Atom Technologies | Pay as you go | No | Web | Yes | 4.6/5 | |
| 15 |  Novo | Free | Yes | Web | No | 4.3/5 | |
| 16 |  PayPal | Pay as you go | No | Web | No | 4.4/5 | |
| 17 |  Skydo | Pay as you go | No | Web | Yes | 4.5/5 | |
| 18 |  Stripe | Pay as you go | No | Web | No | 4.4/5 | |
| 19 |  Salt by Salt.pe | Pay as you go | No | Web | Yes | 4.4/5 | |
| 20 |  BRISKPE | Pay as you go | No | Web | Yes | 4.4/5 |
Top 10 Relay alternatives in detail
2. Airwallex
Airwallex · Singapore · Payment gateways & UPI · 4.3/5
Global financial platform with multi-currency accounts, FX transfers, cards and payments.
On request
Free plan available
3. PayU
PayU India · Gurugram · Payment gateways & UPI · 4.7/5
Payment gateway with EMI, BNPL and enterprise integrations.
Pay as you go
Free trial
Compared with Relay
- No free plan, unlike Relay
- Built in India (Gurugram)
4. BharatPe
BharatPe · New Delhi · Payment gateways & UPI · 4.6/5
Interoperable UPI QR and merchant loans.
Free
Free plan available
Compared with Relay
- Built in India (New Delhi)
5. Cashfree Payments
Cashfree Payments · Bengaluru · Payment gateways & UPI · 4.7/5
Payment gateway and payouts with high UPI success rates.
Pay as you go
Free trial
Compared with Relay
- No free plan, unlike Relay
- Built in India (Bengaluru)
Key features
- Payment gateway (180+ modes incl. UPI, cards, BNPL, Apple Pay)
- Payment links
- Subscriptions
- International payments
- Payouts API
6. Freecharge for Business
Freecharge (Axis Bank) · Gurugram · Payment gateways & UPI · 4.6/5
Merchant UPI and wallet acceptance.
Free
Free plan available
Compared with Relay
- Built in India (Gurugram)
7. Paytm Payment Gateway
Paytm · Noida · Payment gateways & UPI · 4.7/5
Gateway with Paytm wallet, UPI and card acceptance.
Pay as you go
Free trial
Compared with Relay
- No free plan, unlike Relay
- Built in India (Noida)
8. Instamojo Payments
Instamojo · Bengaluru · Payment gateways & UPI · 4.6/5
Simple payment gateway and links for micro businesses.
Pay as you go
Free trial
Compared with Relay
- No free plan, unlike Relay
- Built in India (Bengaluru)
9. Google Pay for Business
Google · Mountain View · Payment gateways & UPI · 4.5/5
Free UPI QR acceptance for merchants.
Free
Free plan available
10. PhonePe Payment Gateway
PhonePe · Bengaluru · Payment gateways & UPI · 4.6/5
Gateway with PhonePe UPI and card processing.
Pay as you go
Free trial
Compared with Relay
- No free plan, unlike Relay
- Built in India (Bengaluru)
Relay alternatives by what you need
Free Relay alternatives
How to choose a Relay alternative
- Compare the total cost: MDR on UPI is zero by regulation, but cards, net banking and international payments carry 1.5–3%, plus GST on fees.
- Ask for success-rate data on your traffic mix. A gateway with weak bank integrations loses a few percent of every checkout silently.
- Check onboarding requirements — website content, business registration, bank verification — before building the checkout.
Relay alternatives — FAQs
What is the best alternative to Relay in 2026?+
The closest matches to Relay on App Advisor are Bluevine (On request), Airwallex (On request), PayU (Pay as you go). They are ranked by how closely their category, pricing model, platforms and target business size match Relay, then by rating. The best choice depends on your team size and budget.
Is there a free alternative to Relay?+
Yes. 7 of the 20 alternatives listed have a free plan or are free: Bluevine (On request), Airwallex (On request), BharatPe (Free). Free plans usually cap users, records or transactions, so check the limits against your monthly volume.
Is there an Indian alternative to Relay?+
Yes. 14 alternatives are built in India, including PayU (Pay as you go), BharatPe (Free), Cashfree Payments (Pay as you go). Indian products usually handle GST, TDS and UPI natively and bill in rupees.
Relay vs Bluevine: which is better?+
Bluevine is the closest match to Relay in our catalogue. Compare them side by side before you book a demo.
How were these Relay alternatives chosen?+
Every product listed sits in payment gateways & upi or a category Relay also covers, and Relay Financial Technologies Inc.'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.
Free shortlist
Not sure which Relay alternative fits?
Tell us your team size and budget and we'll send a shortlist of three.
Related alternatives
Bluevine alternativesAirwallex alternativesPayU alternativesBharatPe alternativesCashfree Payments alternativesFreecharge for Business alternativesPaytm Payment Gateway alternativesInstamojo Payments alternativesGoogle Pay for Business alternativesPhonePe Payment Gateway alternativesEasebuzz alternativesNPCI UPI alternativesAll payment gateways & upi alternativesBrowse all alternatives