Compare costs across Razorpay, Cashfree, PayU
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For startups (under Rs 10L/month): Razorpay or Cashfree. Easy integration, good documentation, no minimum commitments. Razorpay has better ecosystem (payroll, lending, banking). Cashfree is cheaper on per-transaction basis.
For growth companies (Rs 10L-1Cr/month): Negotiate volume discounts. At this scale, 0.25% rate difference saves Rs 2.5L-25L annually. Consider multi-gateway setup for redundancy.
For high-volume (Rs 1Cr+/month): Direct bank integration for UPI and net banking (zero/low MDR). Use payment gateway only for card transactions. Custom rate negotiation can bring card processing to 1.2-1.5%.

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Frequently asked questions about Payment Gateway Comparison
It depends on your transaction mix. For UPI-heavy businesses, Cashfree is typically cheapest. For credit card-heavy, rates are similar across gateways at standard pricing. At volume, all are negotiable.
RBI has mandated zero MDR on UPI for merchants. However, payment gateways may charge Rs 0-3 per transaction for API access and dashboard features. Effectively near-zero cost.
Merchant Discount Rate is the fee merchants pay per transaction. It includes interchange (issuing bank), acquiring bank margin, and payment network fees. RBI regulates debit card MDR but not credit card MDR.
Yes. Payment orchestration platforms like Juspay let you route transactions to different gateways based on cost, success rate, and availability. This optimizes both cost and conversion.
Push UPI (lowest cost, highest success rate in India). Offer credit card EMI for high-ticket items (increases conversion). Use net banking as fallback. Track success rates per method, not just cost.
International card transactions cost 2-3.5% plus currency conversion markup. Razorpay and Cashfree both support international payments. Stripe is available in India but more expensive for domestic transactions.
The percentage of attempted payments that complete successfully. Industry average: 85-92%. UPI: 95%+. Credit cards: 85-90%. Net banking: 70-80%. Low success rate directly impacts revenue. Optimize by retrying failed payments and offering multiple payment methods.