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Paytm for Business alternatives: 7 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 Paytm for Business: card rates vary by category and merchant size, which makes costs harder to predict, and only for businesses operating in India. We ranked 7 alternatives by how directly each one replaces Paytm for Business, 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
2Cashfree Payments logoCashfree PaymentsPaid₹20 per IMPS/NEFT/RTGS paymentNoWeb8 of 864.8
3PayU India logoPayU IndiaPaid—NoWeb6 of 661.8
4CcCCAvenuePaid—NoWeb, Android, iOS8 of 859.4
5Instamojo logoInstamojoFree plan + paid₹6,999 a year (Starter online store)NoWeb, Android, iOS8 of 850.0
6PiPine LabsPaid—NoWeb, Android4 of 450.0
7BharatPe logoBharatPeFree plan + paid—NoAndroid, iOS4 of 449.0
  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 Paytm for Business

    Popular developer-friendly gateway with payouts and business banking alongside payments.

    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 Paytm for BusinessDetails 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 Paytm for Business 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. Cashfree Payments logo

    2. Cashfree Payments

    Best for: Indian businesses that need both payment collection and high-volume payouts

    PaidWeb

    64.8

    score / 100

    Why switch from Paytm for Business

    Gateway with strong payouts and instant settlement options for Indian businesses.

    Pros

    • Standard rate slightly below the common 2% Indian benchmark
    • Payouts and verification APIs sit alongside the gateway
    • Accepts international cards and PayPal with INR settlement

    Cons

    • Amex, Diners and international cards cost noticeably more
    • Mainly for Indian-registered businesses
    • Promotional zero-fee offers come with detailed eligibility terms
    Visit Cashfree Payments Compare with Paytm for BusinessDetails 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 Cashfree Payments a good Paytm for Business alternative?

    Verified facts

    8 of 8 verified
    Standard fee
    1.95% + taxes per transaction
    Checked Nov 8, 2026cashfree.com(opens source in a new tab)
    Setup fee
    None
    Checked Nov 8, 2026cashfree.com(opens source in a new tab)
    Payment methods
    180+ payment modes
    Checked Nov 8, 2026cashfree.com(opens source in a new tab)
    International payments
    140+ currencies, settled in INR
    Checked Nov 8, 2026cashfree.com(opens source in a new tab)
    Standard pricing
    1.95% platform fee per transaction
    Checked Nov 8, 2026cashfree.com(opens source in a new tab)
    International card pricing
    2.99% platform fee
    Checked Nov 8, 2026cashfree.com(opens source in a new tab)
    Bank transfer pricing
    ₹20 per IMPS/NEFT/RTGS payment
    Checked Nov 8, 2026cashfree.com(opens source in a new tab)
    Payout pricing
    From ₹3 per NEFT payout up to ₹1,000
    Checked Nov 8, 2026cashfree.com(opens source in a new tab)
  3. PayU India logo

    3. PayU India

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

    PaidWeb

    61.8

    score / 100

    Why switch from Paytm for Business

    Long-running Indian gateway with wide EMI and pay-later coverage.

    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 Details 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 PayU India a good Paytm for Business 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)
  4. Cc

    4. CCAvenue

    Best for: Indian merchants who want a long-established gateway with multi-currency checkout

    PaidWeb, Android, iOS

    59.4

    score / 100

    Why switch from Paytm for Business

    Established gateway with many payment options and multi-currency processing.

    Pros

    • Wide range of payment options including cards, UPI, netbanking and wallets
    • Multi-currency processing for charging international buyers
    • No setup fee on the standard online plan

    Cons

    • Annual software upgradation charge applies from the second year
    • Multi-currency transactions cost noticeably more than domestic ones
    • Dashboard and developer experience feel dated next to newer gateways
    Visit CCAvenue Details and reviews
    How this score is calculated
    Editorial fit ×0.369
    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 CCAvenue a good Paytm for Business alternative?

    Verified facts

    8 of 8 verified
    Platform fee
    2.00% per online transaction + GST
    Checked Nov 8, 2026ccavenue.com(opens source in a new tab)
    Setup fee
    None
    Checked Nov 8, 2026ccavenue.com(opens source in a new tab)
    Multi-currency
    3.5% per transaction + GST
    Checked Nov 8, 2026ccavenue.com(opens source in a new tab)
    Annual charge
    ₹1,200 + GST a year, waived in the first year
    Checked Nov 8, 2026ccavenue.com(opens source in a new tab)
    Merchants
    Nearly 3 million
    Checked Nov 8, 2026ccavenue.com(opens source in a new tab)
    Starting price
    2% per domestic transaction + 18% GST
    Checked Nov 8, 2026ccavenue.com(opens source in a new tab)
    International cards
    3% per transaction + 18% GST
    Checked Nov 8, 2026ccavenue.com(opens source in a new tab)
    Multi-currency processing
    3.5% per transaction + 18% GST
    Checked Nov 8, 2026ccavenue.com(opens source in a new tab)
  5. Instamojo logo

    5. Instamojo

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

    Free plan + paidWeb, Android, iOS

    50.0

    score / 100

    Why switch from Paytm for Business

    Payment links and a free online store for small Indian sellers who want to sell online without 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 ×0.338
    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 Paytm for Business 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)
  6. Pi

    6. Pine Labs

    Best for: Mid-size and large Indian retailers that want card terminals with EMI and brand offers at checkout

    PaidWeb, Android

    50.0

    score / 100

    Why switch from Paytm for Business

    Stronger choice for in-store card terminals and brand EMI offers at larger retailers.

    Pros

    • Strong in-store EMI and brand offer features at the terminal
    • Covers in-store POS, online gateway, gift cards and payouts
    • Long track record with large retail chains

    Cons

    • No published pricing; terms are negotiated per merchant
    • Aimed at larger merchants more than small shops
    • Hardware rental adds a recurring cost compared with free QR codes
    Visit Pine Labs Details and reviews
    How this score is calculated
    Editorial fit ×0.338
    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 Pine Labs a good Paytm for Business alternative?

    Verified facts

    4 of 4 verified
    Founded
    1998, in India
    Checked Nov 8, 2026pinelabs.com(opens source in a new tab)
    Card terminal history
    Plutus launched 2005
    Checked Nov 8, 2026pinelabs.com(opens source in a new tab)
    Markets
    Expanded to Malaysia in 2017
    Checked Nov 8, 2026pinelabs.com(opens source in a new tab)
    Gift cards
    Qwikcilver, acquired 2019
    Checked Nov 8, 2026pinelabs.com(opens source in a new tab)
  7. BharatPe logo

    7. BharatPe

    Best for: Small Indian shops that want free UPI QR payments, card machines and quick business loans

    Free plan + paidAndroid, iOS

    49.0

    score / 100

    Why switch from Paytm for Business

    Simple QR, speaker and card machine setup for small offline shops.

    Pros

    • Free QR code that accepts payments from any UPI app
    • Combined card, QR and speaker device in BharatPe One
    • Business loans offered through the same merchant app

    Cons

    • Not a website payment gateway; aimed at in-person payments
    • No billing, inventory or restaurant POS software built in
    • Only available to businesses in India
    Visit BharatPe Details and reviews
    How this score is calculated
    Editorial fit ×0.334
    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 BharatPe a good Paytm for Business alternative?

    Verified facts

    4 of 4 verified
    UPI QR
    Free, accepts any UPI app
    Checked Nov 8, 2026bharatpe.com(opens source in a new tab)
    Merchants
    17 million+
    Checked Nov 8, 2026bharatpe.com(opens source in a new tab)
    All-in-one device
    BharatPe One
    Checked Nov 8, 2026bharatpe.com(opens source in a new tab)
    Payment alerts
    Voice speaker
    Checked Nov 8, 2026bharatpe.com(opens source in a new tab)

The best Paytm for Business alternative for…

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

Razorpay logo

Best Paytm for Business alternative for most people

Razorpay

Popular developer-friendly gateway with payouts and business banking alongside payments.

Instamojo logo

Best Paytm for Business alternative for a free plan you can upgrade

Instamojo

Payment links and a free online store for small Indian sellers who want to sell online without a full gateway integration.

Cc

Best Paytm for Business alternative for iPhone and Android

CCAvenue

Established gateway with many payment options and multi-currency processing.

Cashfree Payments logo

Best Paytm for Business alternative for working in the browser

Cashfree Payments

Gateway with strong payouts and instant settlement options for Indian businesses.

Paytm for Business alternatives: common questions

What is the best alternative to Paytm for Business?

Razorpay ranks first right now. Popular developer-friendly gateway with payouts and business banking alongside payments. Cashfree Payments and PayU India follow it in our ranking.

Paytm for Business vs Razorpay: what's the difference?

Both Paytm for Business and Razorpay are paid products. Both run on Web, Android and iOS.

Is Paytm for Business free?

Paytm for Business is a paid product.

How much do Paytm for Business alternatives cost?

Verified prices for the top-ranked Paytm for Business alternatives: Razorpay, Custom pricing above ₹5,00,000 monthly revenue; Cashfree Payments, ₹20 per IMPS/NEFT/RTGS payment; 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 Paytm for Business?

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

Is there an open-source alternative to Paytm for Business?

None of the 7 alternatives in this list is open source.

Why do people switch from Paytm for Business?

The complaints we hear most: card rates vary by category and merchant size, which makes costs harder to predict; only for businesses operating in India; card machine and soundbox hardware are separate products with their own terms.

How is this list ranked?

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