1. 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 Wise Business
- Built in India (Gurugram)
Payment gateways & UPI · Alternatives
Best Wise Business alternatives in India (2026)
Wise Business is a payment gateways & upi product from Wise, London, priced at Pay as you go. We compared 20 alternatives on published price, free plan, platforms and made-in-India support: 0 have a free plan, 17 are built in India.
Quick answer
The closest alternatives to Wise Business are PayU (Pay as you go), Cashfree Payments (Pay as you go), Paytm Payment Gateway (Pay as you go), Instamojo Payments (Pay as you go) and PhonePe Payment Gateway (Pay as you go). Published prices in this list start at ₹99/month.
Why businesses look for a Wise Business alternative
Indian support and GST
Wise Business is built in United Kingdom. 17 alternatives are made in India, where GST, TDS and UPI are usually handled natively and support runs on IST.
Wise Business alternatives compared
Ranked by how closely each product matches Wise Business'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 |
|---|---|---|---|---|---|---|---|
| — | Wise Business (current) | Pay as you go | No | Web | No | 4.4/5 | — |
| 1 | PayU | Pay as you go | No | Web | Yes | 4.7/5 | |
| 2 |  Cashfree Payments | Pay as you go | No | Web | Yes | 4.7/5 | |
| 3 |  Paytm Payment Gateway | Pay as you go | No | Web | Yes | 4.7/5 | |
| 4 |  Instamojo Payments | Pay as you go | No | Web | Yes | 4.6/5 | |
| 5 |  PhonePe Payment Gateway | Pay as you go | No | Web | Yes | 4.6/5 | |
| 6 |  Easebuzz | Pay as you go | No | Web | Yes | 4.6/5 | |
| 7 |  Zaakpay | Pay as you go | No | Web | Yes | 4.6/5 | |
| 8 |  Atom Technologies | Pay as you go | No | Web | Yes | 4.6/5 | |
| 9 |  PayPal | Pay as you go | No | Web | No | 4.4/5 | |
| 10 |  Skydo | Pay as you go | No | Web | Yes | 4.5/5 | |
| 11 |  Stripe | Pay as you go | No | Web | No | 4.4/5 | |
| 12 |  Salt by Salt.pe | Pay as you go | No | Web | Yes | 4.4/5 | |
| 13 |  BRISKPE | Pay as you go | No | Web | Yes | 4.4/5 | |
| 14 |  Payoneer | Pay as you go | No | Web | No | 4.4/5 | |
| 15 |  Paytm Soundbox | ₹125/mo | No | Web | Yes | 4.5/5 | |
| 16 |  PhonePe SmartSpeaker | ₹99/mo | No | Web | Yes | 4.4/5 | |
| 17 |  Open Money Collect | Pay as you go | No | Web | Yes | 4.4/5 | |
| 18 |  Nimbbl | Pay as you go | No | Web | Yes | 4.3/5 | |
| 19 |  Simpl | Pay as you go | No | Web | Yes | 4.3/5 | |
| 20 |  ZestMoney | Pay as you go | No | Web | Yes | 4.3/5 |
Top 10 Wise Business alternatives in detail
2. 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 Wise Business
- Built in India (Bengaluru)
Key features
- Payment gateway (180+ modes incl. UPI, cards, BNPL, Apple Pay)
- Payment links
- Subscriptions
- International payments
- Payouts API
3. 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 Wise Business
- Built in India (Noida)
4. 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 Wise Business
- Built in India (Bengaluru)
5. 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 Wise Business
- Built in India (Bengaluru)
6. Easebuzz
Easebuzz · Pune · Payment gateways & UPI · 4.6/5
Payment gateway and collections for education, SMEs and enterprises.
Pay as you go
Free trial
Compared with Wise Business
- Built in India (Pune)
Key features
- Payment gateway (150+ options)
- Payment links
- Slices (split payments)
- ePOS
- International payment gateway
7. Zaakpay
Zaakpay (MobiKwik) · Gurugram · Payment gateways & UPI · 4.6/5
Payment gateway from MobiKwik.
Pay as you go
Free trial
Compared with Wise Business
- Built in India (Gurugram)
8. Atom Technologies
Atom Technologies (NTT DATA) · Mumbai · Payment gateways & UPI · 4.6/5
Payment gateway and bill collection for enterprises.
Pay as you go
Free trial
Compared with Wise Business
- Built in India (Mumbai)
9. PayPal
PayPal · San Jose · Payment gateways & UPI · 4.4/5
Cross-border payments for Indian exporters and freelancers.
Pay as you go
Free trial
10. Skydo
Skydo · Bengaluru · Payment gateways & UPI · 4.5/5
International payment collection for Indian exporters with FIRA.
Pay as you go
Free trial
Compared with Wise Business
- Built in India (Bengaluru)
Wise Business alternatives by what you need
Lowest published price
How to choose a Wise Business 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.
Wise Business alternatives — FAQs
What is the best alternative to Wise Business in 2026?+
The closest matches to Wise Business on App Advisor are PayU (Pay as you go), Cashfree Payments (Pay as you go), Paytm Payment Gateway (Pay as you go). They are ranked by how closely their category, pricing model, platforms and target business size match Wise Business, then by rating. The best choice depends on your team size and budget.
Is there a free alternative to Wise Business?+
None of the 20 closest alternatives to Wise Business has a free plan. Most offer a free trial instead, so ask for one before you commit.
What is the cheapest alternative to Wise Business?+
Among alternatives that publish a price, PhonePe SmartSpeaker starts lowest at ₹99/mo. Prices are read from each vendor's website and exclude GST.
Is there an Indian alternative to Wise Business?+
Yes. 17 alternatives are built in India, including PayU (Pay as you go), Cashfree Payments (Pay as you go), Paytm Payment Gateway (Pay as you go). Indian products usually handle GST, TDS and UPI natively and bill in rupees.
Wise Business vs PayU: which is better?+
PayU is the closest match to Wise Business in our catalogue. Key differences: Built in India (Gurugram). Compare them side by side before you book a demo.
How were these Wise Business alternatives chosen?+
Every product listed sits in payment gateways & upi or a category Wise Business also covers, and Wise'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
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