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Cashfree Payments alternatives: 5 apps ranked by verified data

Facts checked Nov 8, 2026AppBreakup editorialHow we rankAll payment gateways

Top picks

  • Razorpay logo

    Best overall

    Razorpay

    Setup cost: ₹0 setup and ₹0 maintenance

  • Instamojo logo

    Best free option

    Instamojo

    Starting price: ₹6,999 a year (Starter online store)

Common reasons people leave Cashfree Payments: amex, Diners and international cards cost noticeably more, and mainly for Indian-registered businesses. We ranked 5 alternatives by how directly each one replaces Cashfree Payments, then by reviews, real visits and how recently each app's facts were checked against its own website. Razorpay currently ranks first.

Quick comparison

#AppPricingVerified priceOpen sourcePlatformsVerified factsScore
1Razorpay logoRazorpayPaidCustom pricing above ₹5,00,000 monthly revenueNoWeb, iOS, Android8 of 868.8
2PayU India logoPayU IndiaPaid—NoWeb6 of 664.8
3Stripe logoStripePaid$10 per monthNoWeb, iOS, Android7 of 761.8
4Instamojo logoInstamojoFree plan + paid₹6,999 a year (Starter online store)NoWeb, Android, iOS8 of 851.2
5Easebuzz logoEasebuzzPaid—NoWeb, Android, iOS4 of 442.3
  1. Razorpay logo

    1. RazorpayTop pick

    Best for: Indian businesses that want a single gateway for UPI, cards and netbanking plus payouts

    PaidWeb, iOS, Android

    68.8

    score / 100

    Why switch from Cashfree Payments

    The best-known Indian gateway, with a broader set of banking products such as current accounts.

    Pros

    • Covers UPI, cards, netbanking, EMI and wallets in one integration
    • No setup fee or annual maintenance charge on the standard plan
    • Payment links, subscriptions and payouts live in the same dashboard

    Cons

    • Built for Indian businesses; not a general global processor
    • Standard fee applies even to UPI payments, which carry no bank MDR
    • Account activation needs KYC documents and review before going live
    Visit Razorpay Compare with Cashfree PaymentsDetails and reviews
    How this score is calculated
    Editorial fit ×0.3100
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Razorpay a good Cashfree Payments alternative?

    Verified facts

    8 of 8 verified
    Standard fee
    2% + GST per transaction
    Checked Nov 8, 2026razorpay.com(opens source in a new tab)
    Setup fee
    None, and no annual maintenance charge
    Checked Nov 8, 2026razorpay.com(opens source in a new tab)
    Payment methods
    Cards, netbanking, UPI and wallets
    Checked Nov 8, 2026razorpay.com(opens source in a new tab)
    Regulation
    RBI-authorised payment aggregator
    Checked Nov 8, 2026razorpay.com(opens source in a new tab)
    Standard pricing
    2% + GST per successful transaction
    Checked Nov 8, 2026razorpay.com(opens source in a new tab)
    Setup cost
    ₹0 setup and ₹0 maintenance
    Checked Nov 8, 2026razorpay.com(opens source in a new tab)
    Free trial
    0% gateway fee for the first 90 days
    Checked Nov 8, 2026razorpay.com(opens source in a new tab)
    Enterprise plan
    Custom pricing above ₹5,00,000 monthly revenue
    Checked Nov 8, 2026razorpay.com(opens source in a new tab)
  2. PayU India logo

    2. PayU India

    Best for: Indian merchants who want a long-established gateway with strong EMI and pay-later options

    PaidWeb

    64.8

    score / 100

    Why switch from Cashfree Payments

    Established Indian gateway with simple 2% domestic pricing and EMI options.

    Pros

    • Simple flat rate across most domestic payment methods
    • Wide range of EMI and buy-now-pay-later options
    • No setup or annual maintenance fee on the standard plan

    Cons

    • EMI, Amex, Diners and international payments cost 3%
    • Mainly for businesses registered in India
    • Fewer adjacent banking products than Razorpay
    Visit PayU India Compare with Cashfree PaymentsDetails and reviews
    How this score is calculated
    Editorial fit ×0.387
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is PayU India a good Cashfree Payments alternative?

    Verified facts

    6 of 6 verified
    Domestic fee
    2% on cards, netbanking, wallets and BNPL
    Checked Nov 8, 2026payu.in(opens source in a new tab)
    International/EMI fee
    3%
    Checked Nov 8, 2026payu.in(opens source in a new tab)
    Setup fee
    None, and no annual maintenance fee
    Checked Nov 8, 2026payu.in(opens source in a new tab)
    Payment methods
    150+
    Checked Nov 8, 2026payu.in(opens source in a new tab)
    Starting price
    2% per domestic transaction (Standard plan)
    Checked Nov 8, 2026payu.in(opens source in a new tab)
    International and EMI fee
    3% per transaction
    Checked Nov 8, 2026payu.in(opens source in a new tab)
  3. Stripe logo

    3. Stripe

    Best for: SaaS companies and marketplaces that sell internationally and want strong developer tooling

    PaidWeb, iOS, Android

    61.8

    score / 100

    Why switch from Cashfree Payments

    Worth it if your customers are mostly outside India and you need global payment methods.

    Pros

    • Well-documented APIs with a full test mode
    • Large set of payment methods and currencies from one integration
    • Billing, tax, fraud and marketplace payouts available as add-ons

    Cons

    • Not available to businesses in every country
    • Add-on products like Billing and Tax carry their own fees
    • Rates vary by country and payment method, so costs need checking per market
    Visit Stripe Compare with Cashfree PaymentsDetails and reviews
    How this score is calculated
    Editorial fit ×0.377
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Stripe a good Cashfree Payments alternative?

    Verified facts

    7 of 7 verified
    Setup and monthly fees
    None on standard pricing
    Checked Nov 8, 2026stripe.com(opens source in a new tab)
    Currencies
    135+
    Checked Nov 8, 2026stripe.com(opens source in a new tab)
    Payment methods
    100+
    Checked Nov 8, 2026stripe.com(opens source in a new tab)
    Tax automation
    Calculations in 100+ countries
    Checked Nov 8, 2026stripe.com(opens source in a new tab)
    Pricing
    Pay as you go, no setup or monthly fees
    Checked Nov 8, 2026stripe.com(opens source in a new tab)
    Custom domain price
    $10 per month
    Checked Nov 8, 2026stripe.com(opens source in a new tab)
    Card pricing
    2.9% + a fixed fee per successful domestic card charge
    Checked Nov 8, 2026stripe.com(opens source in a new tab)
  4. Instamojo logo

    4. Instamojo

    Best for: Indian small sellers who want a store, payment links and shipping in one rupee-priced account

    Free plan + paidWeb, Android, iOS

    51.2

    score / 100

    Why switch from Cashfree Payments

    Simple payment links and a free online store for Indian small sellers who don't need a full gateway integration.

    Pros

    • Free plan includes a working store with cash on delivery and shipping integrations
    • Payment gateway is built in, so there is no separate gateway to sign up for
    • Also sells digital products, workshops and event tickets

    Cons

    • Free and Starter plans take 5% + ₹3 per sale, far higher than a standalone gateway
    • Digital products carry an even higher transaction fee
    • Built for selling in India; not a fit for brands focused on overseas customers
    Visit Instamojo Details and reviews
    How this score is calculated
    Editorial fit ×0.341
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Instamojo a good Cashfree Payments alternative?

    Verified facts

    8 of 8 verified
    Free plan
    Yes, Lite at ₹0 a year plus 5% + ₹3 per sale
    Checked Nov 8, 2026instamojo.com(opens source in a new tab)
    Transaction fee (free plan)
    5% + ₹3 per sale
    Checked Nov 8, 2026instamojo.com(opens source in a new tab)
    Payment modes
    UPI, cards, netbanking, wallets
    Checked Nov 8, 2026instamojo.com(opens source in a new tab)
    Users
    20 lakh+ small businesses
    Checked Nov 8, 2026instamojo.com(opens source in a new tab)
    Starting price
    ₹6,999 a year (Starter online store)
    Checked Nov 8, 2026instamojo.com(opens source in a new tab)
    Growth plan
    ₹14,999 a year
    Checked Nov 8, 2026instamojo.com(opens source in a new tab)
    Free trial
    No
    Checked Nov 8, 2026instamojo.com(opens source in a new tab)
    Money-back guarantee
    14 days
    Checked Nov 8, 2026instamojo.com(opens source in a new tab)
  5. Easebuzz logo

    5. Easebuzz

    Best for: Indian schools, NBFCs and housing businesses that need recurring and instalment collections

    PaidWeb, Android, iOS

    42.3

    score / 100

    Why switch from Cashfree Payments

    Similar gateway plus payouts mix, popular with education and NBFC businesses.

    Pros

    • 150+ payment modes including UPI, cards, netbanking and e-NACH
    • T+1 settlement on all payment modes
    • Many collection tools (fees, invoices, split payments) on one dashboard

    Cons

    • No public rate card; pricing is shared after sign-up and KYC
    • Domestic processing is INR only
    • Product range is broad and can be confusing to navigate
    Visit Easebuzz Details and reviews
    How this score is calculated
    Editorial fit ×0.312
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Easebuzz a good Cashfree Payments alternative?

    Verified facts

    4 of 4 verified
    Settlement
    T+1 working day
    Checked Nov 8, 2026easebuzz.in(opens source in a new tab)
    Payment modes
    150+
    Checked Nov 8, 2026easebuzz.in(opens source in a new tab)
    Licence
    RBI authorised payment aggregator
    Checked Nov 8, 2026easebuzz.in(opens source in a new tab)
    Currency
    INR
    Checked Nov 8, 2026easebuzz.in(opens source in a new tab)

The best Cashfree Payments alternative for…

The highest-ranked app in this list for each need.

Razorpay logo

Best Cashfree Payments alternative for most people

Razorpay

The best-known Indian gateway, with a broader set of banking products such as current accounts.

Instamojo logo

Best Cashfree Payments alternative for a free plan you can upgrade

Instamojo

Simple payment links and a free online store for Indian small sellers who don't need a full gateway integration.

Stripe logo

Best Cashfree Payments alternative for iPhone and Android

Stripe

Worth it if your customers are mostly outside India and you need global payment methods.

PayU India logo

Best Cashfree Payments alternative for working in the browser

PayU India

Established Indian gateway with simple 2% domestic pricing and EMI options.

Cashfree Payments alternatives: common questions

What is the best alternative to Cashfree Payments?

Razorpay ranks first right now. The best-known Indian gateway, with a broader set of banking products such as current accounts. PayU India and Stripe follow it in our ranking.

Cashfree Payments vs Razorpay: what's the difference?

Both Cashfree Payments and Razorpay are paid products. Verified prices: Cashfree Payments ₹20 per IMPS/NEFT/RTGS payment, Razorpay Custom pricing above ₹5,00,000 monthly revenue. Only Razorpay runs on iOS and Android.

Is Cashfree Payments free?

Cashfree Payments is a paid product. Standard pricing: 1.95% platform fee per transaction; International card pricing: 2.99% platform fee; Bank transfer pricing: ₹20 per IMPS/NEFT/RTGS payment; Payout pricing: From ₹3 per NEFT payout up to ₹1,000. Checked on Cashfree Payments's own site, November 2026.

How much do Cashfree Payments alternatives cost?

Verified prices for the top-ranked Cashfree Payments alternatives: Razorpay, Custom pricing above ₹5,00,000 monthly revenue; Stripe, $10 per month; Instamojo, ₹6,999 a year (Starter online store). Each price was checked on the app's own site; see each card below for the date and source.

Is there a free alternative to Cashfree Payments?

Yes. Instamojo (free plan + paid) has a free option. Check each app's verified facts for current plan limits.

Is there an open-source alternative to Cashfree Payments?

None of the 5 alternatives in this list is open source.

Why do people switch from Cashfree Payments?

The complaints we hear most: amex, Diners and international cards cost noticeably more; mainly for Indian-registered businesses; promotional zero-fee offers come with detailed eligibility terms.

How is this list ranked?

Every app is scored with the same published formula: how directly it replaces Cashfree Payments, reviews (weighted by verification), visits from AppBreakup, how recently its facts were checked against its own website, and reader votes.