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For most Indian direct-to-consumer (D2C) brands, start with Razorpay and Cashfree, then obtain written quotes from PayU and PhonePe. Razorpay is the easier benchmark because it publicly lists a 2% transaction fee plus applicable GST, with no setup or annual-maintenance charge. Cashfree publishes more granular method-level pricing, including zero transaction charges for UPI on its Payment Pages rate table, 1.90% for listed domestic cards and net banking, and a 15-minute settlement product claim that must be verified for your account.
The cheapest headline rate is not automatically the lowest operating cost. Your result depends on the share of UPI, RuPay, domestic cards, EMI, pay-later, international cards and refunds, plus GST, accelerated-settlement charges, reserves and chargeback terms. Settlement cycles are also conditional on your bank, business category, transaction type and risk review.
Quick comparison for an Indian D2C store
The figures below are the public information identified for this comparison. Rates can vary by contract, product, volume and eligibility, so treat list pricing as a starting point rather than a guaranteed offer.
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|---|---|---|---|---|
| Razorpay | 2% plus applicable GST on successful payments; zero setup fee and zero annual maintenance charge. Standard bank-to-bank UPI has zero MDR, but Razorpay describes a 2% platform/technology fee for its gateway service. | Pricing page says funds are typically settled T+1 or instantly. Separate settlement documentation says the default process is T+2 business days for domestic transactions and T+7 for international transactions, with T as the capture date. | Broad payment-mode coverage, payment links and pages, refunds and developer integrations are presented as part of its gateway offering; confirm the exact modules and commercial terms in your agreement. | A cost-transparent generalist that wants one simple benchmark rate. |
| Cashfree | Payment Pages table: UPI at zero transaction charges; RuPay, net banking and listed domestic cards at 1.90%; pay-later/cardless EMI at 2.5%; Diners/Amex at 2.95%; international cards at 3.5% plus ₹7. Cashfree says these charges include MDR/TDR and platform fee. | UPI information describes a default T+2-day cycle. Instant Settlements pricing starts at 0.30% excluding GST. Its ecommerce page advertises “15 minute settlements”; eligibility, limits and risk controls must be confirmed. | UPI routing through 8+ bank integrations, support for BHIM UPI, Google Pay and PhonePe, EMI/pay-later and international cards, plus ecommerce checkout tools. | A brand that values method-level pricing, UPI routing or faster access to cash. |
| PayU | Comparable current public gateway rate card: not stated in the available material. | Comparable public settlement SLA: not stated. | Evaluate through a current commercial proposal and technical review. | Include in a quote round, especially for negotiated or larger volume. |
| PhonePe | Comparable current public gateway rate card: not stated in the available material. | Comparable public settlement SLA: not stated. | Evaluate payment-method coverage, APIs, reporting and support through a current proposal. | Include when your customers strongly prefer its UPI app or when you want a competitive quote. |
Razorpay and Cashfree are the practical first calls because their public pages expose enough information to build an initial model. For enterprise volumes, ask all shortlisted providers for custom pricing; list rates are negotiable and may not reflect your final contract.
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How gateway fees actually affect D2C margins
Separate the components before comparing percentages
For each payment method, calculate the fee on the captured amount, add applicable GST, and then add any fixed per-transaction charge, instant-settlement charge, platform fee or other contractual item. A useful monthly model is:
monthly gateway cost = Σ (method volume × percentage fee) + Σ (transaction count × fixed fee) + GST + settlement add-ons + other contractual charges
Model refunds and chargebacks separately. A gateway may charge differently when a payment is refunded, partially refunded or disputed; the public figures above do not establish a universal refund or dispute fee.
Why UPI “zero MDR” can still produce a charge
Razorpay explains that standard bank-to-bank UPI has zero MDR, while its gateway service applies a 2% platform/technology fee. Therefore, compare the amount your contract bills for the complete gateway service, not only the MDR line. Cashfree’s Payment Pages table lists UPI at zero transaction charges, but confirm whether the same treatment applies to your exact product, account and settlement option.
Use the payment mix, not the lowest single rate
A brand selling mostly UPI orders may have a very different effective rate from a brand selling premium products through credit cards, EMI and overseas cards. Build separate rows for UPI, domestic cards, RuPay, net banking, pay-later or cardless EMI, Diners/Amex and international cards. Include order count as well as value because Cashfree’s international-card price includes a ₹7 component per transaction.
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Illustrative calculations
These examples show the mechanics and are not a forecast of your sales.
- If ₹10,00,000 of eligible domestic-card volume were charged at Cashfree’s published 1.90% rate, the percentage component would be ₹19,000 before applicable GST and any other contract item.
- If 100 international-card transactions totalled ₹2,00,000, Cashfree’s published 3.5% component would be ₹7,000 and the ₹7 component would add ₹700, for ₹7,700 before applicable GST or any foreign-exchange-related charge.
- At Razorpay’s published 2% rate, ₹10,00,000 in successful payments would produce a ₹20,000 transaction-fee component before applicable GST. The public rate does not by itself tell you whether an accelerated-settlement or special payment-method charge applies to your account.
Razorpay: the clearest simple-rate benchmark
Published price and inclusions
Razorpay’s official pricing page, accessed on 17 October 2026, states a pay-as-you-go fee of 2% plus applicable GST on successful payments. It also states zero setup fees and zero annual maintenance charges. This makes the service easy to place in a first-pass budget, although your effective rate can change when your mix includes methods, products or settlement options with separate terms.
Reconciling the different settlement statements
The same pricing page says remaining funds are settled to the registered bank account according to the settlement cycle, “typically T+1 or Instant.” Razorpay’s settlement documentation gives a different default in another context: “By default, the complete process takes a time of T+2 business days for domestic transactions and T+7 days for international transactions, T being the date of capture of payment.”
These statements should not be treated as interchangeable promises. Ask Razorpay to identify which cycle applies to your account, payment type and risk category, whether the cycle counts business days, how bank holidays are handled, and whether instant settlement is enabled or priced separately. Put the answer in the merchant agreement rather than relying on a generic pricing-page label.
When Razorpay is a sensible first shortlist
- You want one public percentage to use in an initial unit-economics model.
- You prefer zero setup and annual-maintenance charges as stated on the pricing page.
- Your checkout needs a broad set of domestic payment modes and standard developer connectivity.
- Your finance team values a straightforward fee rule, provided the contract confirms method exceptions and settlement timing.
Before signing, request a method-level schedule for UPI, cards, EMI, international cards, refunds, chargebacks and payment links. The public 2% figure alone does not answer those operational questions.
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Cashfree: granular method pricing and faster-settlement options
Payment Pages rates
Cashfree’s Payment Pages rate table lists the following charges and says they include MDR/TDR and the platform fee:
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|---|---|---|
| UPI, including listed apps such as PhonePe, Google Pay and Amazon Pay | Zero transaction charges | Confirm the rate for your exact Cashfree product, account and any accelerated settlement. |
| RuPay, net banking and listed domestic cards | 1.90% | Applicable GST and contract-specific exceptions still need to be modelled. |
| Pay-later or cardless EMI | 2.5% | Check which instruments and issuers qualify. |
| Diners and Amex | 2.95% | Confirm acceptance, routing and any card-network restrictions. |
| International cards | 3.5% plus ₹7 | Ask about currencies, foreign-exchange spread, compliance review and settlement timing. |
UPI routing and checkout reach
Cashfree describes itself as an RBI-authorised UPI payment gateway with deep integration to 8+ banks and real-time dynamic routing. Its ecommerce materials mention BHIM UPI, Google Pay and PhonePe and position the checkout for D2C stores. Dynamic routing can help direct transactions across available bank connections, but your contract and technical implementation determine the actual routing behaviour and fallback rules.
Standard versus instant settlement
Cashfree’s UPI information describes a default T+2-day settlement cycle. Its Instant Settlements page says standard pricing starts at 0.30% excluding GST and gives T+2 as an example of the standard process. The ecommerce page markets “15 minute settlements.” Treat the 15-minute statement as a product claim, not a universal SLA: bank approval, transaction type, business category or model and risk parameters can change the cycle, eligibility, limits or availability.
When Cashfree is a stronger fit
- Your finance team needs method-level rates rather than a single blended percentage.
- You have a high UPI share and want routing across multiple bank integrations.
- You use pay-later, cardless EMI or international cards and want those prices visible before requesting a quote.
- Inventory purchases or COD-heavy operations make faster access to cleared funds valuable enough to justify an instant-settlement charge.
Calculate the break-even value of faster cash. If an instant option costs 0.30% before GST, compare that charge with the cost of borrowing, missed supplier discounts, stock-out risk and the working-capital benefit of receiving funds earlier.
PayU and PhonePe: include them, but buy on written terms
The available material does not provide a current, comparable public gateway rate card or settlement SLA for either PayU or PhonePe. Do not assign them an assumed percentage or promise a T+ cycle. Request a dated commercial proposal that breaks out each payment method and every settlement condition.
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Questions for both providers
- What are the percentage and fixed fees for UPI, RuPay, domestic cards, net banking, EMI/pay-later and international cards?
- Are prices inclusive of MDR/TDR, platform charges and applicable GST?
- What is the default domestic and international settlement cycle, and is it measured in calendar or business days?
- What does instant or accelerated settlement cost, what are the daily limits, and can funds be held after a risk event?
- How are refunds, partial refunds, chargebacks and failed or reversed transactions billed?
- Which currencies and cross-border flows are supported, and what foreign-exchange spread or conversion fee applies?
- What dashboard exports, webhooks, APIs, reconciliation files and support response times are included?
PhonePe market context
PhonePe Limited’s 2025 draft prospectus estimates Indian digital merchant (P2M) payment value at ₹112 trillion in fiscal 2025 and projects ₹278–302 trillion by fiscal 2030, a 20–22% compound annual growth rate. Those figures describe market scale, not a gateway price or a settlement guarantee for your store.
Settlement cycles: T+1, T+2 and 15-minute claims explained
What “T” means
“T” is the date the payment is captured. A T+1 or T+2 promise normally means the stated number of business days after capture, but the contract should define cut-off times, weekends, bank holidays, cancellations and whether a transaction is first placed in a risk-review queue.
Why a published cycle can change
Both providers’ materials indicate that settlement depends on more than the checkout success screen. Bank approval, payment type, business category, transaction value or pattern, risk parameters, reserves and an enabled accelerated-settlement feature can all affect when money reaches your registered bank account. International transactions can follow a separate schedule, as Razorpay’s documentation illustrates with T+7 by default in that context.
Decide whether instant settlement pays for itself
Instant settlement is most valuable when delayed funds create a measurable cost: replenishment delays, supplier-payment penalties, expensive short-term credit or lost sales from stock-outs. It is less compelling when you already hold enough cash to cover the normal T+1 or T+2 cycle. Compare the add-on percentage, GST, per-day limits, minimum balance or reserve rules and the percentage of orders eligible for instant release.
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Checkout and payment methods
- Confirm UPI intent, collect and app flows, including the apps your customers use.
- Check domestic card networks, RuPay, net banking, wallets, EMI and pay-later instruments.
- Verify international-card acceptance, supported currencies, authentication and cross-border compliance.
- Test payment links or hosted pages if your brand sells through social channels, phone orders or invoices.
Refunds, disputes and customer support
Ask whether full and partial refunds are supported, how long a refund takes to reach the customer, whether the original gateway fee is returned, and how chargeback evidence and deadlines are handled. Obtain a dispute-response SLA and an escalation contact; a low processing rate can be outweighed by slow recovery of failed or disputed orders.
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Reconciliation and engineering
- Require transaction IDs that remain consistent across checkout, settlement, refund and accounting exports.
- Confirm webhook signing, retry behaviour, idempotency controls and event coverage for success, failure, refund, reversal and chargeback states.
- Check whether reports show gross amount, fee, GST, net settlement, reserve and adjustment as separate columns.
- Verify API documentation, sandbox access, SDK support and a process for recovering from duplicate callbacks or a bank outage.
Implementation plan for choosing and launching a gateway
- Build your payment-mix baseline. Use the last three to six months, or a conservative forecast, to estimate UPI, domestic cards, RuPay, net banking, EMI/pay-later and international-card value and transaction count.
- Calculate effective cost. Apply each provider’s method rate, fixed charge, applicable GST and any instant-settlement fee. Keep refunds and chargebacks as separate scenarios.
- Request written commercial terms. Ask for settlement cycles, cut-off times, daily limits, reserve or rolling-hold rules, bank-holiday treatment, refund fees, dispute fees and international-card economics.
- Verify eligibility. Provide your legal entity, website, product category, expected volume, countries served and bank details. Approval and risk classification can change both pricing and settlement.
- Run a controlled technical test. In your own environment, exercise successful, failed, abandoned, refunded, partially refunded and delayed-webhook paths. Check that your order system cannot fulfil an order twice after a retry.
- Reconcile a complete settlement. Match gateway transaction IDs to orders, fees, GST, refunds, reserves and the bank credit. Do this for each payment method, not only for UPI.
- Monitor the first production weeks. Track authorization rate, payment failures by bank or network, refund ageing, settlement variance, support response and the share of transactions placed on hold.
- Renegotiate at scale. When volume grows, request enterprise pricing from every shortlisted provider and compare the revised contract against the original effective-rate model.
Common pitfalls and how to avoid them
Comparing an inclusive Cashfree table with an incomplete competitor quote
Cashfree says its listed Payment Pages charges include MDR/TDR and platform fee, while Razorpay’s public figure is a 2% transaction fee plus GST. Ask every provider to label whether a quoted number includes platform fees, network charges, GST and fixed components before ranking offers.
Assuming “instant” means every payment is instantly withdrawable
Instant or 15-minute language can be limited by bank approval, risk checks, payment type, business category, limits and reserves. Get the eligible percentage of transactions and the exception process in writing.
Ignoring international-card economics
International cards can carry a higher percentage, a fixed per-transaction fee, foreign-exchange spread, additional compliance review and a different settlement cycle. Model them separately from domestic cards and ask which party bears conversion costs.
Choosing on UPI price alone
UPI conversion, routing, failure recovery, reconciliation and refund handling directly affect completed orders and support workload. A nominally free UPI line does not compensate for weak operational controls or unavailable fallback methods.
Failing to document reserves and risk holds
A gateway may delay settlement when transaction patterns, category risk or disputes trigger review. Ask for reserve percentages, release conditions, notification procedures and appeal timelines before launch.
Recommendation by operating profile
| Your situation | Starting point | What to validate before signing |
|---|---|---|
| Cost-transparent generalist | Razorpay | Whether your account follows T+1, T+2 or instant language; method exceptions; refund and dispute treatment. |
| Fast cash flow and granular method pricing | Cashfree | Eligibility and total cost of 15-minute or instant settlement, including the 0.30% starting charge plus GST, limits and reserves. |
| High international-card share | Cashfree’s published 3.5% plus ₹7 is a benchmark, alongside written competitor quotes. | FX spread, currencies, compliance, chargebacks and cross-border settlement schedule. |
| Large or negotiated volume | Request enterprise proposals from Razorpay, Cashfree, PayU and PhonePe. | A complete fee matrix, guaranteed SLA, support commitments and volume-tier repricing. |
| UPI-heavy catalogue | Compare Razorpay’s 2% gateway-service model with Cashfree’s zero-transaction-charge UPI table. | The exact product, routing, failure rate, refund workflow and settlement add-ons for your account. |
Bottom line: Use Razorpay’s 2% plus GST as the simple benchmark and Cashfree’s method-level table as the granular benchmark. Choose only after your own payment mix, GST, refunds, international cards and settlement requirements are priced in one model, and insist that the final settlement cycle and risk-hold rules appear in writing.
Quick Recap
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
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