Cashfree Payments vs CCAvenue

Updated November 2026 · AppBreakup editorial

Cashfree Payments

Indian payment gateway and payouts platform for collecting and sending money via UPI, cards and bank transfers.

Paid

Visit Cashfree Payments Cashfree Payments profile

CCAvenue

Long-established Indian payment gateway with many payment options and multi-currency processing.

Paid

Visit CCAvenue CCAvenue profile

The short answer

Cashfree Payments and CCAvenue are both Indian payment gateways with no setup fee. Cashfree suits businesses that need collections and high-volume payouts, plus verification APIs, at a slightly lower standard rate. CCAvenue suits merchants who want a long-established gateway with multi-currency checkout for international buyers. The biggest difference is focus: Cashfree pairs the gateway with payouts, CCAvenue with charging customers in their own currency.

Cashfree Payments or CCAvenue: our take

Both accept UPI, cards, netbanking, wallets and EMI, and both offer payment links and subscriptions. Cashfree adds pay-later options, a hosted checkout, a native Shopify integration, a payouts API for paying vendors, customers and employees, and identity and bank-account verification APIs. That combination is why marketplaces, lenders, insurers and D2C stores use it. It can collect international card and PayPal payments in 140+ currencies, settled in INR. It is managed through a web dashboard and APIs.

CCAvenue, run by Infibeam Avenues, is one of India's oldest gateways and says it has nearly 3 million merchants. Its distinguishing feature is multi-currency processing, which lets Indian merchants show prices and charge buyers in currencies such as US dollars, pounds, euros and dirhams. It also offers invoices and a simple storefront, and has a mobile app as well as a web dashboard. Its dashboard and developer experience feel dated next to newer gateways.

On price, Cashfree's standard rate is 1.95% + taxes per transaction, with 2.99% for international cards, ₹20 per IMPS/NEFT/RTGS payment, and payouts from ₹3 per NEFT payout up to ₹1,000. CCAvenue charges 2.00% per online transaction + GST, 3% per transaction + 18% GST for international cards, and 3.5% per transaction + GST for multi-currency, plus an annual charge of ₹1,200 + GST a year, waived in the first year. Both offer custom pricing for large merchants.

Pick Cashfree if you need to send money as well as collect it, onboard many users with verification, or run a Shopify store. Pick CCAvenue if charging overseas customers in their own currency matters more than payouts, and a long track record outweighs a dated interface.

Choose Cashfree Payments if…

Indian businesses that need both payment collection and high-volume payouts
Standard rate slightly below the common 2% Indian benchmark
Payouts and verification APIs sit alongside the gateway

Choose CCAvenue if…

Indian merchants who want a long-established gateway with multi-currency checkout
You need Android and iOS, which Cashfree Payments doesn't list
Wide range of payment options including cards, UPI, netbanking and wallets
Multi-currency processing for charging international buyers

What is Cashfree Payments?

Cashfree Payments is an Indian payments company offering a payment gateway, hosted checkout, payment links, subscriptions and a payouts API for sending money to vendors, customers and employees. Merchants can accept UPI, cards, netbanking, wallets, EMI and pay-later options, and can collect international card and PayPal payments that settle in rupees. It is popular with marketplaces, lending and insurance companies and D2C stores that need both collections and bulk payouts, and it has a native Shopify integration for Indian stores. Pricing is a per-transaction platform fee with no setup charge on the standard plan; card networks such as Amex and international cards cost more, and enterprises can negotiate custom pricing. Cashfree also sells identity and bank-account verification APIs, which helps businesses that onboard many users. It is aimed at businesses registered in India and is managed through a web dashboard and APIs.

What is CCAvenue?

CCAvenue is one of India's oldest payment gateways, run by Infibeam Avenues. Businesses add its checkout to a website or app to accept credit and debit cards, netbanking, UPI, wallets and EMI, and can also take payments by invoice, subscriptions, a simple storefront and payment links. A notable strength is multi-currency processing, which lets Indian merchants show prices and charge international customers in currencies such as US dollars, pounds, euros and dirhams. Pricing is a percentage platform fee per transaction that varies by payment method, with no setup fee; there is also a yearly software upgradation charge after the first year, and custom pricing for large merchants. It suits Indian businesses of all sizes, especially those selling abroad, though its dashboard and integration experience feel older than newer gateways. Management is through a web dashboard and mobile app.

Side by side

Attribute	Cashfree Payments	CCAvenue
Pricing	Paid	Paid
Open source	No	No
Self-hostable	No	No
Platforms	Web	Web, Android, iOS
Best for	Indian businesses that need both payment collection and high-volume payouts	Indian merchants who want a long-established gateway with multi-currency checkout
Status	Active	Active

Verified facts, compared

Facts both apps publish, checked on each vendor's own site.

Fact	Cashfree Payments	CCAvenue
Setup fee	None	None