PayU 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 4 methods both publish, on a ₹10,000 payment Paytm leaves you more on 4. Your mix of methods decides which costs less overall.
| Method | Customer pays | PayU gives you | Paytm gives you |
|---|---|---|---|
| UPI (bank account)PayU: Not publishedPaytm: 1.99% + 18% GST | ₹1,000 | Not published | ₹976.52 |
| ₹10,000 | Not published | ₹9,765.18 | |
| ₹1,00,000 | Not published | ₹97,651.80 | |
| UPI via RuPay credit cardPayU: Not publishedPaytm: Not offered | ₹1,000 | Not published | Not offered |
| ₹10,000 | Not published | Not offered | |
| ₹1,00,000 | Not published | Not offered | |
| Debit cardPayU: 2% + 18% GSTPaytm: 1.99% + 18% GST | ₹1,000 | ₹976.40 | ₹976.52More for you |
| ₹10,000 | ₹9,764.00 | ₹9,765.18More for you | |
| ₹1,00,000 | ₹97,640.00 | ₹97,651.80More for you | |
| RuPay debit cardPayU: Not publishedPaytm: 1.99% + 18% GST | ₹1,000 | Not published | ₹976.52 |
| ₹10,000 | Not published | ₹9,765.18 | |
| ₹1,00,000 | Not published | ₹97,651.80 | |
| Credit cardPayU: 2% + 18% GSTPaytm: 1.99% + 18% GST | ₹1,000 | ₹976.40 | ₹976.52More for you |
| ₹10,000 | ₹9,764.00 | ₹9,765.18More for you | |
| ₹1,00,000 | ₹97,640.00 | ₹97,651.80More for you | |
| Corporate credit cardPayU: Not publishedPaytm: Not offered | ₹1,000 | Not published | Not offered |
| ₹10,000 | Not published | Not offered | |
| ₹1,00,000 | Not published | Not offered | |
| AmexPayU: 3% + 18% GSTPaytm: Not published | ₹1,000 | ₹964.60 | Not published |
| ₹10,000 | ₹9,646.00 | Not published | |
| ₹1,00,000 | ₹96,460.00 | Not published | |
| Net bankingPayU: 2% + 18% GSTPaytm: 1.99% + 18% GST | ₹1,000 | ₹976.40 | ₹976.52More for you |
| ₹10,000 | ₹9,764.00 | ₹9,765.18More for you | |
| ₹1,00,000 | ₹97,640.00 | ₹97,651.80More for you | |
| WalletsPayU: 2% + 18% GSTPaytm: 1.99% + 18% GST | ₹1,000 | ₹976.40 | ₹976.52More for you |
| ₹10,000 | ₹9,764.00 | ₹9,765.18More for you | |
| ₹1,00,000 | ₹97,640.00 | ₹97,651.80More for you | |
| Pay laterPayU: 2% + 18% GSTPaytm: Not offered | ₹1,000 | ₹976.40 | Not offered |
| ₹10,000 | ₹9,764.00 | Not offered | |
| ₹1,00,000 | ₹97,640.00 | Not offered | |
| EMIPayU: 3% + 18% GSTPaytm: Not offered | ₹1,000 | ₹964.60 | Not offered |
| ₹10,000 | ₹9,646.00 | Not offered | |
| ₹1,00,000 | ₹96,460.00 | Not offered | |
| InternationalPayU: 3% + 18% GSTPaytm: Not published | ₹1,000 | ₹964.60 | Not published |
| ₹10,000 | ₹9,646.00 | Not published | |
| ₹1,00,000 | ₹96,460.00 | 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.
PayU vs Paytm: questions people ask
Which is cheaper, PayU or Paytm?
- Of the 4 methods both publish, on a ₹10,000 payment Paytm leaves you more on 4. The methods where Paytm leaves you more: debit cards, credit cards, net banking and wallets. 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 PayU or Paytm cheaper for credit card payments?
- On a ₹10,000 credit card payment, PayU leaves you ₹9,764.00 and Paytm leaves you ₹9,765.18. Paytm leaves you ₹1.18 more. PayU’s fee: 2% + 18% GST. Paytm’s fee: 1.99% + 18% GST.
Is PayU or Paytm cheaper for debit card payments?
- On a ₹10,000 debit card payment, PayU leaves you ₹9,764.00 and Paytm leaves you ₹9,765.18. Paytm leaves you ₹1.18 more. PayU’s fee: 2% + 18% GST. Paytm’s fee: 1.99% + 18% GST.
Which settles faster, PayU or Paytm?
- For debit cards payments, PayU settles in 2 working days (T+2) and Paytm settles in 1 working day (T+1). Both count working days.
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