Cheapest payment gateway in India, by method
There’s no single cheapest payment gateway: it depends on how your customers pay. Here’s the gateway that leaves you the most from a ₹10,000 payment for each method, using published rates with GST on the fee.
Published rates, last checked 26 Oct 2026. Ranked only by what you receive.
- UPIZoho Payments0.5% + 18% GST · you receive ₹9,941.00 from ₹10,000Best of 7 gateways that publish a rate
- Credit cardsAirpay1.9% + 18% GST · you receive ₹9,775.80 from ₹10,000Best of 9 gateways that publish a rate
- Debit cardsAirpayup to ₹2,000: 0.45% · above ₹2,000: 0.95% + 18% GST · you receive ₹9,887.90 from ₹10,000Best of 9 gateways that publish a rate
- RuPay credit card on UPICashfree Payments, CCAvenue, Razorpay and Zoho Payments2.15% + 18% GST · you receive ₹9,746.30 from ₹10,000Best of 4 gateways that publish a rate
- Net bankingAirpay1.75% + 18% GST · you receive ₹9,793.50 from ₹10,000Best of 9 gateways that publish a rate
- WalletsAirpay1.85% + 18% GST · you receive ₹9,781.70 from ₹10,000Best of 9 gateways that publish a rate
- EMICCAvenue2% + 18% GST · you receive ₹9,764.00 from ₹10,000Best of 4 gateways that publish a rate
Cheapest payment gateway: questions people ask
Which is the cheapest payment gateway in India?
- It depends on how your customers pay. At published rates, on a ₹10,000 payment: for UPI payments from a bank account, Zoho Payments (0.5% + 18% GST, you receive ₹9,941.00); for credit card payments, Airpay (1.9% + 18% GST, you receive ₹9,775.80); for debit card payments, Airpay (up to ₹2,000: 0.45% · above ₹2,000: 0.95% + 18% GST, you receive ₹9,887.90); for RuPay credit card payments on UPI, Cashfree Payments, CCAvenue, Razorpay and Zoho Payments (2.15% + 18% GST, you receive ₹9,746.30); for net banking payments, Airpay (1.75% + 18% GST, you receive ₹9,793.50); for wallet payments, Airpay (1.85% + 18% GST, you receive ₹9,781.70); for EMI payments, CCAvenue (2% + 18% GST, you receive ₹9,764.00). Rankings use published rates before sign-up offers.
Is there a free payment gateway in India?
- None of the payment gateways we track charges 0% at its standard published rates. Some offer 0% to new sign-ups for a limited time: Razorpay: 0% on up to ₹5,00,000, within 90 days of activation; Cashfree Payments: 0% on up to ₹20,00,000, until 31 Mar 2027. GST and the offer’s conditions still apply. UPI paid straight into your bank account has no app fee at all.
How does Clarifee rank payment gateways?
- Only by the amount you receive from the same payment, after the fee and the GST on it, using each gateway’s published rates. No gateway pays to be listed or to rank higher, and sign-up offers never change the order.
Rankings use each gateway’s published rate before sign-up offers. A rate you negotiate can be lower: enter it under Rates and every page uses it.