Payment Gateways in India: Razorpay vs Cashfree vs PayU for SMBs
S
Statura Team
To sell online in India you need a payment gateway that supports UPI, cards, netbanking and wallets. Here's how the leading options compare for SMBs.
What matters
- UPI success rate (the dominant method)
- Settlement speed (T+1, T+2)
- Transaction fees (typically ~2%)
- Payout, subscriptions and payment-link features
- Ease of integration and support
The main players
Razorpay — feature-rich, developer-friendly, broad product suite. Cashfree — strong payouts and fast settlements. PayU — established, good for larger merchants. All support UPI, cards and EMI.
Don't forget COD
Cash on delivery still drives a large share of orders — plan for it and for RTO (return-to-origin) losses.
Statura integrates payments into your store with GST invoicing.
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#UPI payments