Cashfree Payments vs Paytm
What you actually receive from each payment, method by method, using each app’s published online rates with GST on fees. We order nothing by brand: the only measure is the amount that lands in your account.
Of the 6 methods both publish, on a ₹10,000 payment Cashfree Payments leaves you more on 6. Your mix of methods decides which costs less overall.
| Method | Customer pays | Cashfree Payments gives you | Paytm gives you |
|---|---|---|---|
| UPI (bank account)Cashfree Payments: 1.95% + 18% GSTPaytm: 1.99% + 18% GST | ₹1,000 | ₹976.99More for you | ₹976.52 |
| ₹10,000 | ₹9,769.90More for you | ₹9,765.18 | |
| ₹1,00,000 | ₹97,699.00More for you | ₹97,651.80 | |
| UPI via RuPay credit cardCashfree Payments: 2.15% + 18% GSTPaytm: Not offered | ₹1,000 | ₹974.63 | Not offered |
| ₹10,000 | ₹9,746.30 | Not offered | |
| ₹1,00,000 | ₹97,463.00 | Not offered | |
| Debit cardCashfree Payments: 1.95% + 18% GSTPaytm: 1.99% + 18% GST | ₹1,000 | ₹976.99More for you | ₹976.52 |
| ₹10,000 | ₹9,769.90More for you | ₹9,765.18 | |
| ₹1,00,000 | ₹97,699.00More for you | ₹97,651.80 | |
| RuPay debit cardCashfree Payments: 1.95% + 18% GSTPaytm: 1.99% + 18% GST | ₹1,000 | ₹976.99More for you | ₹976.52 |
| ₹10,000 | ₹9,769.90More for you | ₹9,765.18 | |
| ₹1,00,000 | ₹97,699.00More for you | ₹97,651.80 | |
| Credit cardCashfree Payments: 1.95% + 18% GSTPaytm: 1.99% + 18% GST | ₹1,000 | ₹976.99More for you | ₹976.52 |
| ₹10,000 | ₹9,769.90More for you | ₹9,765.18 | |
| ₹1,00,000 | ₹97,699.00More for you | ₹97,651.80 | |
| Corporate credit cardCashfree Payments: Not publishedPaytm: Not offered | ₹1,000 | Not published | Not offered |
| ₹10,000 | Not published | Not offered | |
| ₹1,00,000 | Not published | Not offered | |
| AmexCashfree Payments: Not publishedPaytm: Not published | ₹1,000 | Not published | Not published |
| ₹10,000 | Not published | Not published | |
| ₹1,00,000 | Not published | Not published | |
| Net bankingCashfree Payments: 1.95% + 18% GSTPaytm: 1.99% + 18% GST | ₹1,000 | ₹976.99More for you | ₹976.52 |
| ₹10,000 | ₹9,769.90More for you | ₹9,765.18 | |
| ₹1,00,000 | ₹97,699.00More for you | ₹97,651.80 | |
| WalletsCashfree Payments: 1.95% + 18% GSTPaytm: 1.99% + 18% GST | ₹1,000 | ₹976.99More for you | ₹976.52 |
| ₹10,000 | ₹9,769.90More for you | ₹9,765.18 | |
| ₹1,00,000 | ₹97,699.00More for you | ₹97,651.80 | |
| Pay laterCashfree Payments: 2.2% + 18% GSTPaytm: Not offered | ₹1,000 | ₹974.04 | Not offered |
| ₹10,000 | ₹9,740.40 | Not offered | |
| ₹1,00,000 | ₹97,404.00 | Not offered | |
| EMICashfree Payments: 2.2% + 18% GSTPaytm: Not offered | ₹1,000 | ₹974.04 | Not offered |
| ₹10,000 | ₹9,740.40 | Not offered | |
| ₹1,00,000 | ₹97,404.00 | Not offered | |
| Bank transferCashfree Payments: from ₹20 + 18% GSTPaytm: Not offered | ₹1,000 | ₹976.40 | Not offered |
| ₹10,000 | ₹9,976.40 | Not offered | |
| ₹1,00,000 | ₹99,976.40 | Not offered | |
| InternationalCashfree Payments: 2.99% + 18% GSTPaytm: Not published | ₹1,000 | ₹964.72 | Not published |
| ₹10,000 | ₹9,647.18 | Not published | |
| ₹1,00,000 | ₹96,471.80 | Not published |
Compare with your monthly mix
Published rates, last checked 26 Oct 2026. Offers for new sign-ups aren’t included.
Fees include GST on the fee only. Figures are estimates from each app’s published pricing; your contract or dashboard has the final word. Clarifee isn’t affiliated with or paid by either company.
Cashfree Payments vs Paytm: questions people ask
Which is cheaper, Cashfree Payments or Paytm?
- Of the 6 methods both publish, on a ₹10,000 payment Cashfree Payments leaves you more on 6. The methods where Cashfree Payments leaves you more: UPI, debit cards, RuPay debit cards, credit cards and 2 more. Which costs less overall depends on how your customers pay, so compare the methods you use most. All amounts use each app’s published rates and include GST on the fee.
Is Cashfree Payments or Paytm cheaper for UPI payments?
- On a ₹10,000 UPI payment, Cashfree Payments leaves you ₹9,769.90 and Paytm leaves you ₹9,765.18. Cashfree Payments leaves you ₹4.72 more. Cashfree Payments’ fee: 1.95% + 18% GST. Paytm’s fee: 1.99% + 18% GST.
Is Cashfree Payments or Paytm cheaper for credit card payments?
- On a ₹10,000 credit card payment, Cashfree Payments leaves you ₹9,769.90 and Paytm leaves you ₹9,765.18. Cashfree Payments leaves you ₹4.72 more. Cashfree Payments’ fee: 1.95% + 18% GST. Paytm’s fee: 1.99% + 18% GST.
Is Cashfree Payments or Paytm cheaper for debit card payments?
- On a ₹10,000 debit card payment, Cashfree Payments leaves you ₹9,769.90 and Paytm leaves you ₹9,765.18. Cashfree Payments leaves you ₹4.72 more. Cashfree Payments’ fee: 1.95% + 18% GST. Paytm’s fee: 1.99% + 18% GST.
Which settles faster, Cashfree Payments or Paytm?
- For UPI payments, Cashfree Payments settles in 1–2 working days (T+1 to T+2) and Paytm settles in 1 working day (T+1). Both count working days.
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Official sources
- Cashfree — Payment Gateway Charges
- Cashfree Help Center — Pricing FAQs (as of 10 Aug 2026)
- Cashfree Help — Settlements FAQs
- Cashfree — Terms and Conditions
- Paytm Payments — Pricing
- Paytm Payments — Pricing T&C
- Paytm Payments Docs — Supported Settlement Plans
- Paytm support — Will I be charged to refund a payment? (© 2022)
- Paytm for Business — Pricing
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