PayU review
Broad payment coverage for Indian businesses, with checkout, billing and marketplace tools.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
PayU is an India-focused payment gateway for businesses collecting payments online and offline. It suits merchants that need to accept a broad range of domestic methods, as well as businesses handling subscriptions, international payments or marketplace settlements. Payment options include cards, UPI, net banking, wallets, EMI, BNPL and QR payments. Merchants can choose hosted or merchant-hosted checkout, use payment links and invoices, or integrate through APIs and mobile SDKs. The range makes PayU relevant to both storefronts and businesses building their own payment flows.
Its integration options cover web stores and business platforms, including Shopify, Wix, WooCommerce, Magento, BigCommerce, Zoho and Odoo. Mobile SDKs are available for Android, iOS, React Native, Flutter and Cordova. That breadth gives merchants several routes to connect checkout to an existing store or app, while APIs and server-side integrations allow more tailored implementations. Recurring payments support subscription billing, and split settlements address marketplace and aggregator payment flows. Businesses choosing PayU should match the integration route to their storefront and technical needs; merchants seeking a simpler, single-purpose payment link may not need this range.
According to the vendor's pricing page, PayU charges transaction-based rates rather than a fixed monthly plan: 2% for several domestic methods and 3% for EMI, AmEx, Diners and international transactions, with GST applicable. The vendor notes that exact rates can vary by payment method, business type and volume, so businesses should assess their expected payment mix before estimating costs. PayU also lists instant refunds and priority settlements. Overall, it is a fit for Indian merchants that value payment-method breadth, recurring billing or marketplace tools and can work with transaction-based pricing; those prioritizing a free plan or predictable monthly fees should consider alternatives.
PayU pros and cons
- Where it wins
- Supports cards, UPI, wallets, EMI, BNPL, QR and other payment modes
- Offers recurring billing, international payments and split marketplace settlements
- Integrates with commerce platforms including Shopify, WooCommerce and Magento
- Where it doesn't
- No free plan; transaction fees apply, with GST
- Rates vary by payment method, business type and volume
- International currency and payout coverage may be difficult to assess
PayU fact sheet, pricing and score →
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