Article

Best Payment Gateway India 2026: Razorpay vs Cashfree vs PayU

Dhanaay · dhanaay.com Free Beginner India

A D2C-specific (not generic SaaS) comparison of the big three Indian gateways, weighing fees, settlement speed and AMC rather than just headline rates. Good first stop before you sign up anywhere.

  • Razorpay: ~2% fee, zero AMC, fastest activation (2-3 days).
  • Cashfree: lower headline rate but a ₹4,999/year AMC eats into savings at low volume.
  • PayU wins on EMI tie-ups, relevant if your AOV is high-ticket.
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The question it answers

  1. Which payment gateway should I actually use, Razorpay, Cashfree, PayU, or just Shopify's checkout?

Read with it

  1. Video Cashfree vs Razorpay - Which One Is Best Payment Gateway? youtube.com
  2. Cashfree's own live pricing page, broken out by payment method (cards, UPI, net banking, EMI, international cards), the fastest... cashfree.com Tool Payment Gateway Charges: Lowest Pricing & UPI Payment Gateway Fees in India Cashfree
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