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Payment gateways · checked 11 November 2026

Razorpay for most Indian businesses, Cashfree for the lowest headline rate, PayU for EMI-heavy baskets, and Stripe when buyers are abroad.

Razorpay charges 2% plus GST per transaction, with 0% for the first 90 days on new accounts; Cashfree's standard rate is 1.95%, and PayU charges 2% on domestic cards and 3% on Amex, EMI and international cards. UPI carries zero MDR, though gateways still charge a platform fee on it, and on Shopify any of these adds Shopify's 2% on the Basic plan. Ask for a custom rate once you collect more than ₹5 lakh a month.

The picksPrices as each maker's page states them

  1. 1
    Razorpay Payment Gateway

    Most Indian businesses starting to take payments online

    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
  2. 2
    PayU

    EMI and pay-later make up much of your basket

    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
  3. 3
    Stripe

    Buyers paying by cards issued outside India; Stripe India is invite-only

    2% for cards issued in India, 3% for cards issued outside India; no setup or monthly fees Read from stripe.com on 10 November 2026

Every question on it 5 answers

  1. Which payment gateway should I actually use, Razorpay, Cashfree, PayU, or just Shopify's checkout? D2C
  2. Do I need a one-click checkout tool like GoKwik or Shopflo, or is Shopify's native checkout enough? D2C
  3. How do I optimise UPI at checkout, what's the difference between UPI intent and collect, and why do my UPI payments keep failing? D2C
  4. I'm shipping D2C orders internationally, how do I actually receive payments from customers outside India? D2C
  5. Why do Razorpay/Cashfree keep asking for a company, can't I just use my personal bank account? D2C

The readingMost used across these answers

The terms

Goods and Services Tax

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