Pay10 Payment Gateway review
A payment gateway for Indian merchants combining UPI flows with international card acceptance.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Pay10 Payment Gateway helps businesses accept digital payments through checkout and other integration methods. For Indian merchants, the listed payment methods include UPI, cards, net banking and Pay10 Wallet; its international offering describes acceptance in 100+ currencies. The product is positioned for businesses from SMEs to enterprises, with web, API and mobile platforms. It is a fit for merchants that need both local UPI options and international card acceptance, rather than a tool focused only on basic checkout.
Payment flows are a notable part of its scope. Alongside hosted payment pages and payment links, Pay10 lists UPI Dynamic QR, UPI Intent and UPI Autopay, plus recurring international card payments. Real-time payment notifications and refund and transaction management APIs support operational workflows. Direct API and mobile SDK integrations are available, and listed language integrations include PHP, Java, .NET and Python. This mix offers ways to connect checkout to web and mobile experiences, though merchants should assess which flows are available in their market and agreement.
The pricing model is paid, with no free plan. Pay10's India website lists an indicative platform fee of 1.95%, while stating that actual fees are governed by the merchant agreement; the global site says rates vary by market and business profile. There is no fixed monthly price published. The service lists SOC 2, ISO 27001 and PCI DSS compliance, and email support. Choose Pay10 if UPI features, international payments and integration options align with your markets. Merchants seeking a fixed published monthly price or a free tier should compare alternatives before committing.
Pay10 Payment Gateway pros and cons
- Where it wins
- Accepts UPI, cards, net banking and Pay10 Wallet
- Supports international acceptance in 100+ currencies
- Offers hosted checkout, payment links, APIs and mobile SDKs
- Where it doesn't
- No free plan; the service is paid
- No fixed monthly price is published
- Currency and market coverage vary by market
Pay10 Payment Gateway fact sheet, pricing and score →
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