Payment gateways & UPI · Alternatives

Best ZestMoney alternatives in India (2027)

ZestMoney is a payment gateways & upi product from ZestMoney, Bengaluru, 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, 18 are built in India.

ZestMoney review

Quick answer

The closest alternatives to ZestMoney 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 PhonePe Payment Gateway (1.99% per transaction · Currently free under a limited-period offer (T&C apply)). Published prices in this list start at ₹5/month.

ZestMoney alternatives compared

Ranked by how closely each product matches ZestMoney'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
—	ZestMoney (current)	Pay as you go	No	Web	Yes	4.3/5	—
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	PhonePe Payment Gateway	1.99% per transaction · Currently free under a limited-period offer (T&C apply)	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	Skydo	Pay as you go	No	Web	Yes	4.5/5
10	Salt by Salt.pe	Pay as you go	No	Web	Yes	4.4/5
11	BRISKPE	Pay as you go	No	Web	Yes	4.4/5
12	Paytm Soundbox	₹125/mo	No	Web	Yes	4.5/5
13	PhonePe SmartSpeaker	₹99/mo	No	Web	Yes	4.4/5
14	Open Money Collect	Pay as you go	No	Web	Yes	4.4/5
15	Nimbbl	Pay as you go	No	Web	Yes	4.3/5
16	Simpl	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

Top 10 ZestMoney alternatives in detail

1. PayU

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

Payment gateway with 150+ payment modes
Cards, UPI, net banking, wallets, EMI, BNPL
Bharat QR supporting 140+ UPI apps
POS and cross-border payments
Payment links

PayU review Pricing Website

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

Key features

Payment gateway (180+ modes incl. UPI, cards, BNPL, Apple Pay)
Payment links
Subscriptions
International payments
Payouts API

Cashfree Payments review Pricing Website

3. Paytm Payment Gateway

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

UPI and Paytm Postpaid
Visa, Mastercard, RuPay, Amex and Diners cards
Net banking with 50+ banks
Card and cardless EMI, bank offers, no-cost EMI
JS Checkout two-step integration

Paytm Payment Gateway review Pricing Website

4. Instamojo Payments

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

Unlimited payment links
Smart Links with expiry, discounts and amount breakup
Embeddable pay button for websites
100+ payment modes advertised
Unlimited hosted landing pages

Instamojo Payments review Pricing Website

5. PhonePe Payment Gateway

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

UPI
Credit and debit cards
Net banking
Wallets
International payments

PhonePe Payment Gateway review Pricing Website

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

Key features

Payment gateway (150+ options)
Payment links
Slices (split payments)
ePOS
International payment gateway

Easebuzz review Pricing Website

7. Zaakpay

Zaakpay (MobiKwik) · Gurugram · Payment gateways & UPI · 4.6/5

Payment gateway from MobiKwik.

Pay as you go

Free trial

Zaakpay review Website

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

Atom Technologies review Website

9. Skydo

Skydo · Bengaluru · Payment gateways & UPI · 4.5/5

International payment collection for Indian exporters with FIRA.

Pay as you go

Free trial

Skydo review Website

10. Salt by Salt.pe

Salt · Bengaluru · Payment gateways & UPI · 4.4/5

Cross-border payments and virtual accounts for Indian businesses.

Pay as you go

Free trial

Salt by Salt.pe review Website

ZestMoney alternatives by what you need

Lowest published price

Indian alternatives to ZestMoney

How to choose a ZestMoney 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.

ZestMoney alternatives — FAQs

What is the best alternative to ZestMoney in 2027?+

The closest matches to ZestMoney 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 ZestMoney, then by rating. The best choice depends on your team size and budget.

Is there a free alternative to ZestMoney?+

None of the 20 closest alternatives to ZestMoney has a free plan. Most offer a free trial instead, so ask for one before you commit.

What is the cheapest alternative to ZestMoney?+

Among alternatives that publish a price, Paysharp starts lowest at ₹5/mo. Prices are read from each vendor's website and exclude GST.

Is there an Indian alternative to ZestMoney?+

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.

ZestMoney vs PayU: which is better?+

PayU is the closest match to ZestMoney in our catalogue. Compare them side by side before you book a demo.

How were these ZestMoney alternatives chosen?+

Every product listed sits in payment gateways & upi or a category ZestMoney also covers, and ZestMoney'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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