Which payment gateway companies in India offer the best transaction fees for businesses?

 When evaluating payment gateway companies in India based on transaction fees, several providers offer competitive rates tailored to various business needs. Here's an overview of some prominent payment gateway providers in India and their fee structures:



1. Razorpay
Razorpay charges a platform fee of 2% per transaction for domestic payments. For international transactions, the fee increases to 3%. These rates are subject to 18% GST. Razorpay also offers instant settlements and free onboarding, making it a popular choice among startups and SMEs.

2. Cashfree
Cashfree provides a standard transaction fee of 1.95% per transaction for domestic payments, with a special offer reducing this to 1.6% for new merchants who sign up between September 18, 2025, and December 31, 2025. This offer is valid for 12 months from the signup date. International transactions incur higher fees, starting at 2.95%. Cashfree also offers zero setup fees and annual maintenance charges of ₹4,999. 

3. PayU
PayU charges a standard fee of 2% for domestic transactions via Visa, Mastercard, Net Banking, BNPL, and Wallets. For premium cards like Diners and American Express, and for international transactions, the fee increases to 3%. These fees are exclusive of 18% GST. 

4. Easebuzz
Easebuzz offers a transaction fee of 1.5% per transaction on all domestic debit cards (Visa, Master, Rupay, and Maestro). Additionally, there are no annual maintenance charges, making it an attractive option for small businesses. 

5. CCAvenue
CCAvenue provides customizable pricing plans based on transaction volumes. While specific rates are not publicly disclosed, CCAvenue offers a range of features and support for various payment methods, which can be beneficial for businesses with diverse needs.

6. Paytm
Paytm's payment gateway charges are not publicly detailed. However, it's known that Paytm offers competitive rates and a user-friendly interface, supporting a wide range of payment methods. Merchants interested in Paytm's services should contact their sales team for detailed pricing information.

7. BillDesk
BillDesk, now part of PayU, is a well-established player in the Indian payment gateway market. While specific transaction fees are not publicly available, BillDesk offers a robust platform with extensive support for various payment methods, catering to large enterprises and government entities. 

8. Zoho Payments
Zoho Payments, a newer entrant in the payment gateway space, offers integrated payment solutions within its suite of business applications. While detailed fee structures are not publicly disclosed, Zoho aims to provide seamless payment experiences for businesses already using its ERP, accounting, and payroll software.

9. PayMate
PayMate specializes in B2B payments and offers solutions tailored for enterprises and large-scale businesses. Specific transaction fees are not publicly available, but PayMate provides customized solutions to meet the unique needs of its clients.

10. Sarvatra Technologies

When considering transaction fees, several payment gateway providers in India offer competitive pricing suitable for businesses of various sizes.

1. Razorpay
Razorpay offers a transaction fee of around 2% for domestic payments. For international payments, this fee increases to about 3%. Razorpay also supports instant settlements and provides no setup charges, making it one of the most popular choices for businesses looking for low-cost options in India.

2. Cashfree
Cashfree offers a transaction fee starting at 1.95% for domestic payments. This can be lower if you are a new merchant, with offers reducing it to 1.6% for the first 12 months. International transactions incur higher fees. Cashfree also charges a maintenance fee but does not have setup costs, making it affordable for many businesses.

3. PayU
PayU’s transaction fee structure is approximately 2% for domestic transactions and 3% for international transactions. It supports various payment options, including wallets, debit/credit cards, and net banking. PayU also offers robust fraud protection features, making it a popular choice for both small businesses and large enterprises.

4. Easebuzz
Easebuzz offers highly competitive pricing, with transaction fees starting at around 1.5% for domestic debit card payments. This makes it an attractive option for small and medium businesses, particularly those looking to minimize costs.

5. CCAvenue
CCAvenue offers customizable pricing based on transaction volumes, making it suitable for businesses that process a high number of transactions. While their exact transaction fees are not disclosed, they offer extensive payment method support, making them a go-to for larger businesses.

The best online payment gateway in India will depend on factors like transaction volume, international payment needs, and required features, with these providers offering some of the most competitive fees in the market.

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