Do payment gateways in India charge annual maintenance fees or setup fees?

 

Yes, many  best online payment gateway in India  charge setup fees and annual maintenance charges (AMCs), though the specifics can vary based on the provider and the plan you choose. Here's a breakdown of what to expect:



 Payment Gateways with No Setup or AMC Fees

Several leading payment gateway providers offer zero setup fees and no annual maintenance charges, making them attractive options for startups and small businesses:

  • Ntt data : Offers a Startup plan with no setup or AMC fees, charging only a 2% transaction fee per successful transaction. 

  • Cashfree: Provides a free plan with no setup or AMC fees, charging a 1.95% transaction fee per successful transaction. 

  • Paytm Payment Gateway: Offers a free plan with no setup or AMC fees, charging a 1.99% transaction fee per successful transaction. 

  • Instamojo: Provides a free plan with no setup or AMC fees, charging a 2% + ₹3 per transaction fee. 

Payment Gateways with Setup or AMC Fees

Some payment gateway providers charge setup fees and/or annual maintenance charges, often in exchange for additional features or services:

  • PayU: Charges a setup fee ranging from ₹2,000 to ₹7,000, depending on the plan. 

  • CCAvenue: Offers a Startup PRO plan with no setup fee but charges a ₹1,200 AMC, waived for the first financial year. 

  • Atom Technologies: Charges a ₹10,000 integration fee and a ₹5,000 annual maintenance fee. 

 Tips for Choosing the Right Plan

  • Assess Your Transaction Volume: High-volume businesses might benefit from plans with lower transaction fees, even if they come with setup or AMC fees.

  • Consider Additional Features: Some plans with setup or AMC fees include value-added services like advanced analytics, dedicated support, or faster settlements.

  • Review Long-Term Costs: While a free plan might seem appealing, consider the long-term costs associated with transaction fees and any limitations on features.

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