Explore / Payment gateways / PayU vs Razorpay Payment Gateway
Compared · prices checked 10 November 2026
PayU vs Razorpay Payment Gateway
Pick PayU if EMI and pay-later make up much of your basket and you want online payments with no setup fee. Pick Razorpay Payment Gateway if you are an Indian business starting to take payments on your site, app or over a payment link, with UPI Autopay. Both charge 2% on standard domestic payments; PayU charges 3% on Diners, Amex, EMI and international with no setup or annual fee, while Razorpay offers 0% for the first 90 days on the current offer and custom pricing above ₹5 lakh a month.
PayU
An Indian payment gateway that takes cards, net banking, wallets, pay-later, EMI, UPI and international payments.
Pick it when
EMI and pay-later make up much of your basket
For
An Indian business that wants to accept online payments with no setup fee.
What it costs
Standard Plan 2% on domestic cards, net banking, wallets and BNPL; 3% on Diners, Amex, EMI and international; no setup or annual fee
Read from payu.in on 10 November 2026
In India
Domestic Indian payment methods including net banking, wallets and UPI
Razorpay Payment Gateway
Razorpay
A payment gateway that takes UPI, cards, netbanking and wallets online, with payment links, payment pages and UPI Autopay.
Pick it when
Most Indian businesses starting to take payments online
For
An Indian business taking payments on its site, app or over a link.
What it costs
2% per transaction, with 0% for the first 90 days on the current offer; custom pricing above ₹5 lakh a month
Read from razorpay.com on 10 November 2026
In India
Indian company; takes UPI, RuPay and Indian netbanking
Every pick in payment gateways
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