1. PayU
PayU India · Gurugram · Payment gateways & UPI · 4.7/5
Payment gateway with EMI, BNPL and enterprise integrations.
Pay as you go
Free trial
Payment gateways & UPI · Alternatives
Best PhonePe Payment Gateway alternatives in India (2026)
PhonePe Payment Gateway is a payment gateways & upi product from PhonePe, Bengaluru, priced at Pay as you go. We compared 20 alternatives on published price, free plan, platforms and made-in-India support: 0 have a free plan, 18 are built in India.
Quick answer
The closest alternatives to PhonePe Payment Gateway are PayU (Pay as you go), Cashfree Payments (Pay as you go), Paytm Payment Gateway (Pay as you go), Instamojo Payments (Pay as you go) and Easebuzz (Pay as you go). Published prices in this list start at ₹5/month.
PhonePe Payment Gateway alternatives compared
Ranked by how closely each product matches PhonePe Payment Gateway's category, pricing model, platforms and business size, then by rating. Prices exclude GST.
| # | Software | Starting price | Free plan | Platforms | Made in India | Rating | Compare |
|---|---|---|---|---|---|---|---|
| — | PhonePe Payment Gateway (current) | Pay as you go | No | Web | Yes | 4.6/5 | — |
| 1 | PayU | Pay as you go | No | Web | Yes | 4.7/5 | |
| 2 |  Cashfree Payments | Pay as you go | No | Web | Yes | 4.7/5 | |
| 3 |  Paytm Payment Gateway | Pay as you go | No | Web | Yes | 4.7/5 | |
| 4 |  Instamojo Payments | Pay as you go | No | Web | Yes | 4.6/5 | |
| 5 |  Easebuzz | Pay as you go | No | Web | Yes | 4.6/5 | |
| 6 |  Zaakpay | Pay as you go | No | Web | Yes | 4.6/5 | |
| 7 |  Atom Technologies | Pay as you go | No | Web | Yes | 4.6/5 | |
| 8 |  Skydo | Pay as you go | No | Web | Yes | 4.5/5 | |
| 9 |  Salt by Salt.pe | Pay as you go | No | Web | Yes | 4.4/5 | |
| 10 |  BRISKPE | Pay as you go | No | Web | Yes | 4.4/5 | |
| 11 |  Paytm Soundbox | ₹125/mo | No | Web | Yes | 4.5/5 | |
| 12 |  Open Money Collect | Pay as you go | No | Web | Yes | 4.4/5 | |
| 13 |  Nimbbl | Pay as you go | No | Web | Yes | 4.3/5 | |
| 14 |  Simpl | Pay as you go | No | Web | Yes | 4.3/5 | |
| 15 |  ZestMoney | Pay as you go | No | Web | Yes | 4.3/5 | |
| 16 |  PayPal | Pay as you go | No | Web | No | 4.4/5 | |
| 17 |  LazyPay | Pay as you go | No | Web | Yes | 4.3/5 | |
| 18 |  Stripe | Pay as you go | No | Web | No | 4.4/5 | |
| 19 |  Paysharp | ₹5/mo | No | Web | Yes | 4.3/5 | |
| 20 |  Snapmint | Pay as you go | No | Web | Yes | 4.3/5 |
Top 10 PhonePe Payment Gateway alternatives in detail
2. Cashfree Payments
Cashfree Payments · Bengaluru · Payment gateways & UPI · 4.7/5
Payment gateway and payouts with high UPI success rates.
Pay as you go
Free trial
Key features
- Payment gateway (180+ modes incl. UPI, cards, BNPL, Apple Pay)
- Payment links
- Subscriptions
- International payments
- Payouts API
3. Paytm Payment Gateway
Paytm · Noida · Payment gateways & UPI · 4.7/5
Gateway with Paytm wallet, UPI and card acceptance.
Pay as you go
Free trial
4. Instamojo Payments
Instamojo · Bengaluru · Payment gateways & UPI · 4.6/5
Simple payment gateway and links for micro businesses.
Pay as you go
Free trial
5. Easebuzz
Easebuzz · Pune · Payment gateways & UPI · 4.6/5
Payment gateway and collections for education, SMEs and enterprises.
Pay as you go
Free trial
Key features
- Payment gateway (150+ options)
- Payment links
- Slices (split payments)
- ePOS
- International payment gateway
6. Zaakpay
Zaakpay (MobiKwik) · Gurugram · Payment gateways & UPI · 4.6/5
Payment gateway from MobiKwik.
Pay as you go
Free trial
7. Atom Technologies
Atom Technologies (NTT DATA) · Mumbai · Payment gateways & UPI · 4.6/5
Payment gateway and bill collection for enterprises.
Pay as you go
Free trial
8. Skydo
Skydo · Bengaluru · Payment gateways & UPI · 4.5/5
International payment collection for Indian exporters with FIRA.
Pay as you go
Free trial
9. Salt by Salt.pe
Salt · Bengaluru · Payment gateways & UPI · 4.4/5
Cross-border payments and virtual accounts for Indian businesses.
Pay as you go
Free trial
10. BRISKPE
BriskPe · Mumbai · Payment gateways & UPI · 4.4/5
Cross-border payment collection for SMEs and freelancers.
Pay as you go
Free trial
PhonePe Payment Gateway alternatives by what you need
Lowest published price
Indian alternatives to PhonePe Payment Gateway
How to choose a PhonePe Payment Gateway alternative
- Compare the total cost: MDR on UPI is zero by regulation, but cards, net banking and international payments carry 1.5–3%, plus GST on fees.
- Ask for success-rate data on your traffic mix. A gateway with weak bank integrations loses a few percent of every checkout silently.
- Check onboarding requirements — website content, business registration, bank verification — before building the checkout.
PhonePe Payment Gateway alternatives — FAQs
What is the best alternative to PhonePe Payment Gateway in 2026?+
The closest matches to PhonePe Payment Gateway on App Advisor are PayU (Pay as you go), Cashfree Payments (Pay as you go), Paytm Payment Gateway (Pay as you go). They are ranked by how closely their category, pricing model, platforms and target business size match PhonePe Payment Gateway, then by rating. The best choice depends on your team size and budget.
Is there a free alternative to PhonePe Payment Gateway?+
None of the 20 closest alternatives to PhonePe Payment Gateway has a free plan. Most offer a free trial instead, so ask for one before you commit.
What is the cheapest alternative to PhonePe Payment Gateway?+
Among alternatives that publish a price, Paysharp starts lowest at ₹5/mo. Prices are read from each vendor's website and exclude GST.
Is there an Indian alternative to PhonePe Payment Gateway?+
Yes. 18 alternatives are built in India, including PayU (Pay as you go), Cashfree Payments (Pay as you go), Paytm Payment Gateway (Pay as you go). Indian products usually handle GST, TDS and UPI natively and bill in rupees.
PhonePe Payment Gateway vs PayU: which is better?+
PayU is the closest match to PhonePe Payment Gateway in our catalogue. Compare them side by side before you book a demo.
How were these PhonePe Payment Gateway alternatives chosen?+
Every product listed sits in payment gateways & upi or a category PhonePe Payment Gateway also covers, and PhonePe's own products are excluded. Prices, free plans and platforms come from each vendor's official website. App Advisor does not sell any of this software.
Free shortlist
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Related alternatives
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