Cashfree Payments vs Zoho Payments
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 9 methods both publish, on a ₹10,000 payment Cashfree Payments leaves you more on 6, Zoho Payments on 2 and 1 is the same. Your mix of methods decides which costs less overall.
| Method | Customer pays | Cashfree Payments gives you | Zoho Payments gives you |
|---|---|---|---|
| UPI (bank account)Cashfree Payments: 1.95% + 18% GSTZoho Payments: 0.5% + 18% GST | ₹1,000 | ₹976.99 | ₹994.10More for you |
| ₹10,000 | ₹9,769.90 | ₹9,941.00More for you | |
| ₹1,00,000 | ₹97,699.00 | ₹99,410.00More for you | |
| UPI via RuPay credit cardCashfree Payments: 2.15% + 18% GSTZoho Payments: 2.15% + 18% GST | ₹1,000 | ₹974.63 | ₹974.63 |
| ₹10,000 | ₹9,746.30 | ₹9,746.30 | |
| ₹1,00,000 | ₹97,463.00 | ₹97,463.00 | |
| Debit cardCashfree Payments: 1.95% + 18% GSTZoho Payments: up to ₹2,000: 2% (no GST) · above ₹2,000: 2% + 18% GST | ₹1,000 | ₹976.99 | ₹980.00More for you |
| ₹10,000 | ₹9,769.90More for you | ₹9,764.00 | |
| ₹1,00,000 | ₹97,699.00More for you | ₹97,640.00 | |
| RuPay debit cardCashfree Payments: 1.95% + 18% GSTZoho Payments: up to ₹2,000: 2% (no GST) · above ₹2,000: 2% + 18% GST | ₹1,000 | ₹976.99 | ₹980.00More for you |
| ₹10,000 | ₹9,769.90More for you | ₹9,764.00 | |
| ₹1,00,000 | ₹97,699.00More for you | ₹97,640.00 | |
| Credit cardCashfree Payments: 1.95% + 18% GSTZoho Payments: up to ₹2,000: 2% (no GST) · above ₹2,000: 2% + 18% GST | ₹1,000 | ₹976.99 | ₹980.00More for you |
| ₹10,000 | ₹9,769.90More for you | ₹9,764.00 | |
| ₹1,00,000 | ₹97,699.00More for you | ₹97,640.00 | |
| Corporate credit cardCashfree Payments: Not publishedZoho Payments: up to ₹2,000: 2.75% (no GST) · above ₹2,000: 2.75% + 18% GST | ₹1,000 | Not published | ₹972.50 |
| ₹10,000 | Not published | ₹9,675.50 | |
| ₹1,00,000 | Not published | ₹96,755.00 | |
| AmexCashfree Payments: Not publishedZoho Payments: up to ₹2,000: 3% (no GST) · above ₹2,000: 3% + 18% GST | ₹1,000 | Not published | ₹970.00 |
| ₹10,000 | Not published | ₹9,646.00 | |
| ₹1,00,000 | Not published | ₹96,460.00 | |
| Net bankingCashfree Payments: 1.95% + 18% GSTZoho Payments: 2% + 18% GST | ₹1,000 | ₹976.99More for you | ₹976.40 |
| ₹10,000 | ₹9,769.90More for you | ₹9,764.00 | |
| ₹1,00,000 | ₹97,699.00More for you | ₹97,640.00 | |
| WalletsCashfree Payments: 1.95% + 18% GSTZoho Payments: 2% + 18% GST | ₹1,000 | ₹976.99More for you | ₹976.40 |
| ₹10,000 | ₹9,769.90More for you | ₹9,764.00 | |
| ₹1,00,000 | ₹97,699.00More for you | ₹97,640.00 | |
| Pay laterCashfree Payments: 2.2% + 18% GSTZoho Payments: 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% GSTZoho Payments: 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% GSTZoho Payments: 1% (cap ₹10) + 18% GST | ₹1,000 | ₹976.40 | ₹988.20More for you |
| ₹10,000 | ₹9,976.40 | ₹9,988.20More for you | |
| ₹1,00,000 | ₹99,976.40 | ₹99,988.20More for you | |
| InternationalCashfree Payments: 2.99% + 18% GSTZoho Payments: 3% + 18% GST | ₹1,000 | ₹964.72More for you | ₹964.60 |
| ₹10,000 | ₹9,647.18More for you | ₹9,646.00 | |
| ₹1,00,000 | ₹96,471.80More for you | ₹96,460.00 |
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 Zoho Payments: questions people ask
Which is cheaper, Cashfree Payments or Zoho Payments?
- Of the 9 methods both publish, on a ₹10,000 payment Cashfree Payments leaves you more on 6, Zoho Payments on 2 and 1 is the same. Cashfree Payments leaves you more on debit cards, RuPay debit cards, credit cards, net banking and 2 more; Zoho Payments on UPI and bank transfers. 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 Zoho Payments cheaper for UPI payments?
- On a ₹10,000 UPI payment, Cashfree Payments leaves you ₹9,769.90 and Zoho Payments leaves you ₹9,941.00. Zoho Payments leaves you ₹171.10 more. Cashfree Payments’ fee: 1.95% + 18% GST. Zoho Payments’ fee: 0.5% + 18% GST.
Is Cashfree Payments or Zoho Payments cheaper for credit card payments?
- On a ₹10,000 credit card payment, Cashfree Payments leaves you ₹9,769.90 and Zoho Payments leaves you ₹9,764.00. Cashfree Payments leaves you ₹5.90 more. Cashfree Payments’ fee: 1.95% + 18% GST. Zoho Payments’ fee: up to ₹2,000: 2% (no GST) · above ₹2,000: 2% + 18% GST.
Is Cashfree Payments or Zoho Payments cheaper for debit card payments?
- On a ₹10,000 debit card payment, Cashfree Payments leaves you ₹9,769.90 and Zoho Payments leaves you ₹9,764.00. Cashfree Payments leaves you ₹5.90 more. Cashfree Payments’ fee: 1.95% + 18% GST. Zoho Payments’ fee: up to ₹2,000: 2% (no GST) · above ₹2,000: 2% + 18% GST.
Which settles faster, Cashfree Payments or Zoho Payments?
- For UPI payments, Cashfree Payments settles in 1–2 working days (T+1 to T+2) and Zoho Payments settles in 1 working day (T+1). Both count working days.
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