Quick answer: Easebuzz is an Indian payment aggregator offering a payment gateway, payment links and pages, subscriptions and recurring collection, split payments and payouts. Charges are structured per transaction as a percentage that varies by payment method — UPI, RuPay debit, other debit and credit cards, net banking, wallets and international cards all price differently — plus GST. There is no single "Easebuzz charge"; ask for the full method-wise rate card for your business category and volume, because that is what determines your effective cost.
What Easebuzz actually offers
- Payment gateway — checkout integration for websites and apps.
- Payment links and pages — collect without a website, useful for services and social selling.
- Subscriptions / recurring — e-mandate based auto-debit under the RBI framework.
- Payouts — disbursing to vendors, partners or customers.
- Split payments — for marketplaces and platforms splitting a collection between parties.
- Sector solutions — it has a notable presence in education fee collection, housing societies and similar recurring-collection segments.
How charges really work in India
The single most useful thing to understand is that method mix decides your cost, not the headline rate:
| Method | Cost characteristic |
|---|---|
| UPI | Lowest cost by a wide margin; MDR on person-to-merchant UPI is nil for most merchants under current rules |
| RuPay debit | Nil MDR for most merchants under current rules |
| Other debit cards | Low percentage, capped in some categories |
| Credit cards | Highest domestic rate |
| Net banking | Flat or percentage depending on bank |
| Wallets | Varies by wallet |
| International cards | Significantly higher, plus forex handling |
| EMI | Additional charges, sometimes borne by the customer |
If 80% of your collection is UPI, your effective blended rate is nothing like the credit-card rate you were quoted. Model your actual method mix against each gateway's rate card, then compare. Our UPI gateway charges and MDR guide explains the regulatory position.
Beyond the per-transaction rate, ask about: setup or annual maintenance fees, settlement cycle (T+1, T+2, or longer for some categories), refund and chargeback handling fees, payout charges if you use them, and whether a rolling reserve applies to your category.
Onboarding and eligibility
Payment aggregators in India operate under RBI's Payment Aggregator framework, which means real KYC: business registration documents, GSTIN, PAN, bank account in the business name, and website or app compliance — including visible pricing, refund and cancellation policies, terms, contact details and a privacy policy. Restricted and high-risk categories face additional scrutiny or are declined outright.
A frequent cause of delay is the website compliance check rather than the documents. Get your policy pages live before you apply.
Easebuzz versus the alternatives
- Razorpay — the broadest product ecosystem: gateway, invoices, subscriptions, RazorpayX banking and payroll. See our Razorpay guide.
- Cashfree Payments — strong on payouts and subscriptions. See our Cashfree guide.
- PayU — long-established with deep enterprise presence.
- Instamojo — simplest onboarding for very small sellers, with an online store.
- Paytm Payment Gateway, PhonePe, BillDesk, Airpay, Juspay — each with particular strengths.
Full comparison in best payment gateway in India and the payment gateways category.
FAQs
What is Easebuzz?
Easebuzz is an Indian payment aggregator providing a payment gateway, payment links and pages, subscription and recurring collection, split payments and payouts. It has a particular presence in recurring-collection segments such as education fees and housing societies.
What are Easebuzz payment gateway charges?
Charges are per transaction as a percentage that varies by payment method — UPI, RuPay debit, other debit cards, credit cards, net banking, wallets and international cards are all priced differently — plus GST. There is no single rate. Ask for the full method-wise rate card for your business category and expected volume, and model it against your actual payment mix.
Which payment gateway is cheapest in India?
It depends entirely on your payment method mix. If most of your collection is UPI, the effective cost is very low across every major gateway because UPI MDR is nil for most merchants under current rules. If you take mostly credit cards or international payments, the differences are much larger. Model your own mix rather than comparing headline rates.
How long does payment gateway settlement take?
Standard settlement is typically T+1 or T+2 working days, though some business categories are placed on longer cycles or a rolling reserve based on risk. Confirm your specific settlement cycle and any reserve in writing during onboarding, since it directly affects working capital.
What do I need to get approved for a payment gateway in India?
Business registration documents, PAN, GSTIN, a bank account in the business name, and a website or app that meets compliance requirements — visible pricing, refund and cancellation policy, terms and conditions, privacy policy and contact details. Website compliance is a more common cause of delay than documentation.
Next step: get a free matched payment gateway shortlist based on your actual payment mix and monthly volume.
