Settlement times and instant settlement charges
How long each app takes to pay your money into your bank account, and what it charges to pay out faster. By standard settlement, Airpay, Easebuzz, Paytm Payment Gateway, PhonePe Payment Gateway and Zoho Payments pay out in 1 working day (T+1). Several gateways also sell faster (instant or same-day) settlement for an extra fee.
Published settlement terms, last checked 26 Oct 2026
| App | Standard settlement | Faster settlement |
|---|---|---|
| AirpayPayment gateways | In 1 working day (T+1) | Not published |
| EasebuzzPayment gateways | In 1 working day (T+1) | Not published |
| Google Pay for Business (in-store)In-store | In 1 working day (T+1) | No Google fee at present (“As a promotion, no Google fees are charged for this service”) |
| Paytm Payment GatewayPayment gateways | In 1 working day (T+1) | Not published |
| PhonePe (in-store)In-store | In 1 working day (T+1) | ₹1–₹9 per SettleNow use (incl. GST) |
| PhonePe Payment GatewayPayment gateways | In 1 working day (T+1) | Not published |
| Zoho PaymentsPayment gateways | In 1 working day (T+1) | Not published |
| BharatPe (in-store)In-store | In 1–2 working days (T+1 to T+2) | Shown in the BharatPe app only (not published) |
| Cashfree PaymentsPayment gateways | In 1–2 working days (T+1 to T+2) | 0.30% + GST (may vary by risk assessment) |
| PayoneerInternational | In 0–2 working days (T+0 to T+2) | Not published |
| Paytm (in-store)In-store | In 2 working days (T+2) | Not published |
| PayUPayment gateways | In 2 working days (T+2) | Not published (dashboard only) |
| RazorpayPayment gateways | In 2 working days (T+2) | 0.20–0.30% (range; exact rate shown in dashboard) |
| Wise BusinessInternational | In 1–2 working days (T+1 to T+2) | Not published |
| InstamojoPayment gateways | In 3 working days (T+3) | Not published ("nominal") |
| PayPalInternational | In 1–5 working days (T+1 to T+5) | Not published |
| StripeInternational | In 5 working days (T+5) | Not published |
| BillDeskPayment gateways | Not published | Not published |
| CCAvenuePayment gateways | Not published | Not published |
| JuspayPayment gateways | Not published | Not published |
| Pine Labs PluralPayment gateways | Not published | Not published |
| Razorpay POSIn-store | Not published | Not published |
| SkydoInternational | Not published | Not published |
Settlement: questions people ask
What does T+1 settlement mean?
- T is the day your customer pays. T+1 means the money reaches your bank account one working day later, T+2 two working days later, and so on. Weekends and bank holidays usually aren’t working days, so they add time.
Which payment gateway settles fastest?
- By standard settlement, Airpay, Easebuzz, Paytm Payment Gateway, PhonePe Payment Gateway and Zoho Payments pay out in 1 working day (T+1). Several gateways also sell faster (instant or same-day) settlement for an extra fee.
How much does instant settlement cost?
- Published prices for faster settlement: Google Pay for Business (in-store), No Google fee at present (“As a promotion, no Google fees are charged for this service”); PhonePe (in-store), ₹1–₹9 per SettleNow use (incl. GST); Cashfree Payments, 0.30% + GST (may vary by risk assessment); Razorpay, 0.20–0.30% (range; exact rate shown in dashboard). Others offer it without publishing a price.