Give comparison of all the charges of top 10 Payment Gateways in India

 

Comparison of Charges of Top 10 Payment Gateways in India (2025)

As the digital payment landscape continues to grow in India, selecting the right payment gateway is essential for businesses aiming to streamline online transactions. While functionality, integration, and customer support are important, charges and fees often remain the deciding factor. This article offers an in-depth comparison of charges associated with the top 10 payment gateways in India to help merchants make an informed choice.

🧾 Key Payment Gateway Charges Explained

Before diving into the comparison, let’s understand the common fee structures:

Charge TypeDescription
Setup FeeOne-time fee charged during account creation.
Annual Maintenance FeeYearly charge for using the service.
Transaction Discount Rate (TDR)Fee deducted per transaction, usually a percentage of the transaction amount.
Payout/Withdrawal FeeCharges for transferring money from the gateway to the bank account.

📊 Top 10 Payment Gateways in India & Their Charges (2025)

1. Razorpay

  • Setup Fee: ₹0

  • Annual Fee: ₹0

  • TDR:

    • Domestic Credit Cards/Debit Cards/UPI/Netbanking: 2% + GST

    • Amex/International Cards: 3% + GST

  • Payout Fee: ₹0

  • Notable Feature: Instant settlement, powerful dashboard, subscriptions

2. PayU

  • Setup Fee: ₹0

  • Annual Fee: ₹0

  • TDR:

    • All domestic methods: 2% + GST

    • International Cards: 3% + GST

  • Payout Fee: ₹0

  • Notable Feature: Smart Analytics and strong fraud prevention

3. Cashfree Payments

  • Setup Fee: ₹0

  • Annual Fee: ₹0

  • TDR:

    • UPI: 0.40%

    • Netbanking: ₹3–₹6 flat

    • Credit/Debit Cards: 1.90%

    • International Cards: 3.50%

  • Payout Fee: ₹0 for standard; chargeable for instant payouts

  • Notable Feature: Excellent for bulk payouts and API flexibility

4. CCAvenue

  • Setup Fee: ₹0 (Basic Plan)

  • Annual Fee: ₹1,200 onwards (depends on plan)

  • TDR:

    • Domestic Cards & UPI: 2% + GST

    • International Cards: 3%–4%

  • Payout Fee: May vary based on plan

  • Notable Feature: 200+ payment options, multilingual checkout

5. Instamojo

  • Setup Fee: ₹0

  • Annual Fee: ₹0

  • TDR:

    • Cards/UPI/Wallets: 2% + ₹3 (fixed)

  • Payout Fee: ₹0 (Standard 3-day settlement)

  • Notable Feature: Best for SMEs and digital product sales

6. PhonePe Payment Gateway (PhonePe for Business)

  • Setup Fee: ₹0

  • Annual Fee: ₹0

  • TDR:

    • UPI: 1%

    • Cards: 2%

  • Payout Fee: ₹0

  • Notable Feature: India’s largest UPI user base

7. BillDesk

  • Setup Fee: Negotiable

  • Annual Fee: Negotiable

  • TDR:

    • Netbanking: ₹5–₹15 flat

    • Credit Cards/Debit Cards: 1.75% – 2.5%

  • Payout Fee: As per agreement

  • Notable Feature: Legacy system used widely by government utilities and large-scale enterprises

8. Paytm Payment Gateway

  • Setup Fee: ₹0

  • Annual Fee: ₹0

  • TDR:

    • UPI/Netbanking/Cards/Wallets: 1.85%

    • International: 3%

  • Payout Fee: ₹0

  • Notable Feature: Seamless integration with Paytm Wallet and POS system

9. Atom Paynetz (now NTT DATA Payment Services)

  • Setup Fee: ₹0 – ₹5,000 (depending on custom plan)

  • Annual Fee: ₹1,200 (may vary)

  • TDR:

    • Cards: 1.99%

    • Netbanking: ₹5–₹10

  • Payout Fee: Varies

  • Notable Feature: Custom enterprise solutions and EMI support

10. Stripe India

  • Setup Fee: ₹0

  • Annual Fee: ₹0

  • TDR:

    • All Domestic Cards & UPI: 2%

    • International Cards: 3.5%

  • Payout Fee: ₹0 (standard); faster payouts have additional cost

  • Notable Feature: Developer-friendly with global reach

🧮 Charges Comparison Table

Payment GatewaySetup FeeAnnual FeeTDR (Domestic)TDR (Intl.)UPI ChargesNotable For
Razorpay₹0₹02%3%0–2%Startups, mid-size
PayU₹0₹02%3%~2%eCommerce, SMEs
Cashfree₹0₹01.9%3.5%0.40%Bulk payouts
CCAvenue₹0–₹1,200₹1,200+2%3%–4%2%Enterprise, multilingual
Instamojo₹0₹02% + ₹3Not focused2% + ₹3Small sellers
PhonePe₹0₹02%Not available1%UPI volume
BillDeskNegotiableNegotiable1.75–2.5%DependsNAGovt. & utilities
Paytm₹0₹01.85%3%1.85%Wallet/UPI ecosystem
Atom₹0–₹5,000₹1,2001.99%Depends~2%Custom EMI
Stripe India₹0₹02%3.5%2%International focus


📝 Final Thoughts

When choosing a payment gateway, pricing is just one piece of the puzzle. Businesses should also evaluate:

  • Integration ease

  • Settlement cycles

  • Customer support

  • Refund and chargeback processes

  • Reporting and analytics capabilities

Recommendation by Business Type:

  • Startups & Small Businesses: Instamojo, Razorpay, PayU

  • Large Enterprises: CCAvenue, BillDesk, Atom

  • API-Driven Developers: Stripe, Cashfree

  • UPI-Centric Businesses: PhonePe, Paytm

💡 Conclusion

India’s payment gateway ecosystem is diverse and rapidly evolving. The charges vary widely depending on transaction types and business size. A thorough analysis of both pricing and features is essential before onboarding with a payment provider.

Whether you’re a startup aiming for fast integration or an enterprise looking for scalability, the Indian payment gateway market offers tailored solutions at competitive rates.

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