With the introduction of SBIePay, Indian payment gateway market is seeing higher competition. Here is a comparison of the major payment gateways in India. While choosing a payment gateway, you need to consider the upfront costs such as set up fees, maintenance charges (annual/monthly) along with the transaction costs. The transaction rates vary from debit cards, credit cards, net banking, american express cards etc. You need to verify the number of banks supported by the payment gateway provider for each of these service(debit card/credit card/net banking).

CCAvenue

Plan

Popular

Privilege

Setup Fee

0

30,000 INR

MasterCard / Visa / Diners Club Credit Cards

3.5%

2.25%

Debit Cards

1.25%

1.25%

Net banking

4%

2.5%

American Express /JCB

5%

3.6%

Cash Cards

5%

3.6%

CCAvenue Phone Pay

0.5%over and above theCredit / Debit / Cash Card TDR charges

0.5%over and above theCredit / Debit / Cash Card TDR charges

Annual Software Upgradation Charges

1200 INR (Waived for 1st Financial Year from thedate of Activation)

3600 INR

Annual Software Upgradation Charges (ASUC) is charged on a per month basis payable in advance every year in April. Merchants signing after April need not pay the full ASUC fee. The ASUC fee will be levied on pro-rata basis.

EBS

Plan

Bronze

Silver

Gold

Platinum

Setup Fee

12,000 INR

18,000 INR24,000 INR

30,000 INR

MasterCard / Visa

4%

3.50%2.75%

2.50%

AMEX/JCB/Diners

5%

4.50%4%

3.75%

Debit Cards

3%

1.75%1.50%

1.25%

Net banking

4%

3.5%2.75%

2.5%

PayPal

3.40%

3.40%3.40%

3.40%

EMINANAAvailableAvailable
TDR EMINA

 

NA3.75% for 3 months

5.75% for 6 months

3.75% for 3 months

5.75% for 6 months

MMC (Monthly Maintenance Charge)

600 INR

500 INR400 INR

300 INR

Setup fees is nonrefundable. Service tax of 12.36% is applicable on all charges & may vary as per government rules and regulations. EMI options currently available are through Citibank, HDFC Bank & ICICI Bank.

PayU

Plan

Economy

Silver

Gold

Platinum

Setup Fee

4,900 INR

9,900 INR19,900 INR

29,900 INR

Debit Cards (Visa/Master/Maestro)

0.75% for Transaction Value up to Rs. 2000.

1% for Transaction Value above Rs. 2000.

0.75% for Transaction Value up to Rs. 2000.

1% for Transaction Value above Rs. 2000.

0.75% for Transaction Value up to Rs. 2000.

1% for Transaction Value above Rs. 2000.

0.75% for Transaction Value up to Rs. 2000.

1% for Transaction Value above Rs. 2000.

Credit Cards (Visa/Master/Diners)

3.90%

3.25%2.90%

2.50%

Net banking/Multibank EMI

3.90%

3.25%2.90%

2.50%

Amex/Cash Cards/Wallet

3.90%

3.25%3.25%

3.25%

Release on Delivery

3.90%

3.25%2.90%

2.90%

Annual Maintenance Charges

2400 INR

2400 INR2400 INR

2400 INR

Release on Delivery is a payment option that helps you to convert Cash-on-Delivery transaction into prepaid mode. It’s a ‘PayUMoney’ service.

PayZippy

Plan

Standard

Promotional

Setup Fee

0

0

Debit Cards (Visa/Master/Maestro)

0.75% for Transaction Value up to Rs. 2000.

1% for Transaction Value above Rs. 2000.

0.75% for Transaction Value up to Rs. 2000

1% for Transaction Value above Rs. 2000.

Credit Cards (Visa/Master) / Net banking

3.5% for Transaction Value between Rs. 0-5 lakhs.

3.25% for Transaction Value between Rs. 5-10 lakhs.

3% for Transaction Value between Rs. 10-25 lakhs.

2.5% for Transaction Value between Rs. 25-100 lakhs.

For Transaction Value above Rs. 1 Cr (Custom Quote)

1%

For Transaction Value above Rs. 1 Cr (Custom Quote)

American Express Cards

3.50%

1%

International Debit/Credit Cards

Our fee for International cards is 1.5% over and above our domestic credit card pricing

1%

Annual Maintenance Charges

0

0

All the above fee are exclusive of Service Tax. If your promotional pricing is 2.5%, the effective price after including Service Tax (@12.36%) will be 2.8%.

DirecPay

Plan

Silver

Gold

Platinum

Setup Fee

10,000 INR

20,000 INR

35,000 INR

TDR (Credit Cards / Net banking)

5%

4%

3%

Annual Maintenance Charges

2400 INR

2400 INR

2400 INR

Service tax @ 10.30% will be payable on all one time and recurring service charges.

CitrusPay

Plan

Easy Starter

Level Up

Power Packed

Setup Fee

0

0

0

Software Fee/Month

0 for 1-100 transactions.

Rs. 1500 for 100-1000 transactions.

Rs. 7000 for 1000-5000 transactions.

Rs. 1000 for 1-100 transactions.

Rs. 3000 for 100-1000 transactions.

Rs. 10,000 for 1000-5000 transactions.

Rs. 1500 for 1-100 transactions.

Rs. 7000 for 100-1000 transactions.

Rs. 15,000 for 1000-5000 transactions.

Visa / Master card / Diner /

Net banking / AMEX /

Debit card

2.5%

2.5%

2.5%

Annual Maintenance Charges

0

0

0

1-100: 12 months SaaS fee payable upfront. All costs are inclusive of service tax. Custom Quote for above 5000 transactions.