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PayU India 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 PayU India: EMI, Amex, Diners and international payments cost 3%, and mainly for businesses registered in India. We ranked 5 alternatives by how directly each one replaces PayU India, 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
3Stripe logoStripePaid$10 per monthNoWeb, iOS, Android7 of 761.8
4CcCCAvenuePaid—NoWeb, Android, iOS8 of 859.4
5Instamojo logoInstamojoFree plan + paid₹6,999 a year (Starter online store)NoWeb, Android, iOS8 of 850.0
  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 PayU India

    Same headline rate with more business banking and payout tools in one account.

    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 PayU IndiaDetails 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 PayU India 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 PayU India

    Slightly cheaper standard rate and a strong payouts API.

    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 PayU IndiaDetails 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 PayU India 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. 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 PayU India

    Better for companies selling mainly to international customers in many currencies.

    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 PayU IndiaDetails 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 PayU India 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. 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 PayU India

    Long-running Indian gateway with a wide spread of bank, wallet and multi-currency options, often chosen by exporters.

    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 PayU India 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 PayU India

    Payment links and a simple online store for small Indian 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 ×0.338
    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 PayU India 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)

The best PayU India alternative for…

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

Razorpay logo

Best PayU India alternative for most people

Razorpay

Same headline rate with more business banking and payout tools in one account.

Instamojo logo

Best PayU India alternative for a free plan you can upgrade

Instamojo

Payment links and a simple online store for small Indian sellers who don't need a full gateway integration.

Stripe logo

Best PayU India alternative for iPhone and Android

Stripe

Better for companies selling mainly to international customers in many currencies.

Cashfree Payments logo

Best PayU India alternative for working in the browser

Cashfree Payments

Slightly cheaper standard rate and a strong payouts API.

PayU India alternatives: common questions

What is the best alternative to PayU India?

Razorpay ranks first right now. Same headline rate with more business banking and payout tools in one account. Cashfree Payments and Stripe follow it in our ranking.

PayU India vs Razorpay: what's the difference?

Both PayU India and Razorpay are paid products. Only Razorpay runs on iOS and Android.

Is PayU India free?

PayU India is a paid product. Starting price: 2% per domestic transaction (Standard plan). Checked on PayU India's own site, November 2026.

How much do PayU India alternatives cost?

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

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 PayU India?

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

Why do people switch from PayU India?

The complaints we hear most: EMI, Amex, Diners and international payments cost 3%; mainly for businesses registered in India; fewer adjacent banking products than Razorpay.

How is this list ranked?

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