Payment Gateway Charges | Cashfree Payments
Cashfree Payments — RBI-licensed Payment Aggregator | Certificate of Authorisation No. 266/2025
Pricing
Lowest payment gateway charges in India
Cashfree 10-year Anniversary Offer — For a limited period, get 1.6%* 1.95%
Perfect for growing businesses because:
- Designed for businesses doing up to INR 1 Cr/month transaction value
- Pricing valid for 12 months from signup
- Get 2.69% 2.99% on international card transactions
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*Read all offer T&Cs
Enterprise Pricing
Custom pricing designed for enterprises
- Early access to new features
- Dedicated account manager
- Discount pricing
- Support over WhatsApp in addition to other channels
Get in touch with our sales team to explore the right products for your payment needs and get custom pricing.
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Payment Gateway
Accept payments in Indian Rupees (INR) and 140+ foreign currencies with minimal integration effort and go live in no time.
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Payment Modes Supported:
UPI · Visa · Mastercard · RuPay · Maestro · PhonePe · Net Banking · ICICI · Airtel Money · Jio Money · Amazon Pay
Pricing by Payment Mode
UPI, Cards, Net Banking, Wallets
Standard Fee: 1.95%
Limited Period Offer Fee: 1.6%*
UPI on Credit Cards
Starting at 1.6%* 2.15% platform fee (RuPay)
(Limited Period Offer)
Credit Card EMI
Starting at 1.90% — Platform fee + 0.25%
Banks supported: ICICI · AU Small Finance Bank · Axis · Bank of Baroda · RBL Bank · Standard Chartered · YES Bank · HSBC · American Express · HDFC
Debit Card EMI
1.50% platform fee (HDFC)
Cardless EMI
1.90% platform fee
Providers: CASHe · HDFC · ICICI · IDFC First Bank · TVS Credit · Lazypay · HDBFS · Snapmint · Simpl Pay · Zest Money
Pay Later
2.50% 2.20% platform fee
Providers: LazyPay · Simpl
Virtual Bank Accounts
Starting at ₹20 platform fee
(Virtual account IMPS/NEFT/RTGS Payments)
International Cards
Starting at 2.69% 2.95% (Limited period offer)
- Visa / Mastercard: 2.99% (standard) · 2.69% (limited period offer)
- PayPal: Standard payment gateway charges applicable
- American Express: 2.95% platform fee
Offer Terms & Conditions
- This offer price applies only to new merchants who sign up starting 18th September 2025 and before 30th April 2026
- This pricing will remain valid for a period of 1 year from the date of signup
- The 1.6% flat pricing offer does not apply to international card transactions. It applies to the following domestic payment methods only:
- UPI (Intent & Collect), UPI on Credit Line, UPI on PPI, UPI on Credit Cards
- Credit Cards (Domestic): Visa, Mastercard, RuPay, Maestro
- Debit Cards: Visa, Mastercard, RuPay, Maestro
- Netbanking: All banks
- Wallets
- Prepaid Cards: Visa, Mastercard, RuPay, Maestro
- For domestic transactions, if the GTV exceeds ₹1 Crore in any month, the incremental GTV over ₹1 Cr will be charged at standard pricing of 1.95% and the offer will stand rescinded from subsequent months
- To remain eligible, UPI transactions must be a minimum 40% of monthly GTV. If UPI GTV falls below 40% in any month, the offer will stand rescinded from subsequent months
- For international card transactions, if the international GTV exceeds ₹10 Lakh in any month, the incremental GTV will be charged at 2.99%. The 2.69% pricing and ₹10 Lakh limit resets the subsequent month
- For international transactions in any currency other than INR, forex conversion charges will be levied
- For international transactions via AMEX cards issued outside India, the 2.69% offer pricing is not applicable — standard pricing applies
- This offer is not available to merchants referred via partners or resellers
- Cashfree reserves the right to modify or withdraw this offer with 30 days' prior notice to your registered email
- The offer will not apply to any account where custom pricing for any specific payment method is availed
* Platform fee is a fee paid by the Merchant for services such as Hosted Checkout, Plugins, SDKs, Dashboard, and Generation of Reports. It is calculated on total transactions or a mutually agreed subset. Platform fee is separate from the fee charged on the payment instrument itself.
3 Products Free with Your Payment Gateway
Use Payment Links, Payment Forms, and softPOS to collect payments wherever your customers are — at no additional cost.
Premium Services
Exclusive access with an annual maintenance charge
- Dedicated Account Manager with fortnightly check-ins to support your business and review payment health
- Priority business support with an assured response time of 30 minutes
- 20% faster resolution to dispute management
What You Get with Cashfree Payment Gateway
- Instant Settlements — receive funds in your account within minutes, not days
- Paperless and same-day onboarding — go live without delays
- Easy-to-use dashboard — track transactions, manage settlements, download reports
- International payments in 140+ currencies — collect globally, settle in INR
- Instant refunds — processed significantly faster than the industry standard of 5–7 working days
- E-commerce plugins — native integrations for Shopify, WooCommerce, Wix, WordPress, Zoho
- Dedicated account manager — for businesses that need ongoing support
- Developer-friendly integration kits — SDKs, RESTful APIs, webhooks for all major platforms
- Now live on Juspay — connect today
Frequently Asked Questions
What is Cashfree's payment gateway pricing?
Cashfree currently offers a limited period rate of 1.6%* on domestic payment gateway transactions, reduced from the standard 1.95%. This applies to UPI, domestic credit and debit cards (Visa, Mastercard, RuPay, Maestro), net banking, wallets, and prepaid cards.
The offer is valid for new merchants signing up between 18th September 2025 and 30th April 2026, and the pricing remains locked in for 12 months from the date of signup. For businesses with higher transaction volumes, Cashfree offers custom enterprise pricing.
See full T&Cs · Contact Sales for custom pricing
What are the payment gateway charges for UPI transactions?
UPI transactions on Cashfree are included in the 1.6% promotional rate for eligible merchants. This covers UPI Intent, UPI Collect, UPI on Credit Line, UPI on PPI, and UPI on Credit Cards. To remain eligible for the promotional rate, UPI transactions must make up at least 40% of your monthly GTV.
What are the charges for international card payments on Cashfree?
International card transactions are charged separately from domestic transactions:
- Visa / Mastercard (international): 2.99% standard · 2.69% promotional (for international GTV up to ₹10 Lakh/month)
- American Express: 2.95%
- PayPal: Standard payment gateway charges applicable
- Forex conversion charges apply for transactions in currencies other than INR
The 1.6% domestic promotional rate does not apply to international card transactions.
Does Cashfree offer custom pricing for high-volume businesses?
Yes. Cashfree offers custom pricing for enterprises based on transaction volumes, industry category, and selected payment solutions. Enterprise accounts also get early access to new features, a dedicated account manager, and WhatsApp support in addition to standard channels.
Contact the sales team →
How long does it take to activate a Cashfree account?
Most businesses go live within 24 working hours after submitting documents. Cashfree offers 100% paperless onboarding — you can test your integration using sandbox credentials immediately after signing up, so many businesses start accepting payments the same day.
What payment modes does Cashfree support?
Cashfree supports a wide range of payment modes including:
- UPI (Intent, Collect, AutoPay, on Credit Cards)
- Domestic credit and debit cards (Visa, Mastercard, RuPay, Maestro)
- Net banking (all major banks)
- Wallets (Airtel Money, Jio Money, Amazon Pay, and more)
- Credit Card EMI, Debit Card EMI, Cardless EMI
- Pay Later (LazyPay, Simpl)
- Virtual Bank Accounts
- International cards in 140+ currencies
Are Payment Links, Payment Forms, and softPOS free with the payment gateway?
Yes. Payment Links, Payment Forms, and softPOS are included at no additional cost with your Cashfree payment gateway account. These let you collect payments via shareable links, custom forms, and any Android phone — without needing a separate integration.
What is the difference between platform fee and transaction fee?
The platform fee covers services like Hosted Checkout, Plugins, SDKs, Dashboard access, and Report Generation. It is calculated on transaction volume as mutually agreed. The transaction fee (e.g. 1.6%) is the charge applied to the payment instrument itself. Both are separate line items on your Cashfree invoice.
Does Cashfree support instant settlements?
Yes. Cashfree offers Instant Settlements — funds are credited to your bank account within minutes. This is available as an add-on for merchants who need faster access to their collections.
Learn more about Instant Settlements →
Ready to Get Started?
Collect customer payments, manage international payments, and more. Create your account or contact our experts to explore custom solutions.
- Easy onboarding
- Dedicated account manager
- API access
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Cashfree Payments enables 1 Million+ growing businesses in India and across the globe to collect payments, manage international payments, and more. Backed by SBI, Y Combinator, Krafton, and Apis Partners. Incubated by PayPal.
Certifications: PCI DSS · ISO 9001 · ISO 27001
RBI Authorised Payment Aggregator License — Certificate of Authorisation No. 266/2025
RBI Authorised Prepaid Payment Instrument (PPI) Provider — Certificate of Authorisation No. 209/2024
Collect Payments
- Payment Gateway — Accept UPI, cards, wallets, EMI, BNPL, and more on your website or app
- flowWise — Intelligent payment flow optimisation
- RiskShield Payment Gateway — ML-based fraud detection layered on your payment gateway
- RiskShield for Disbursals — Fraud prevention for outgoing money transfers
- Payment Links — Shareable links to collect payments without a website
- Buy Now Pay Later — Offer deferred payment options to increase checkout conversion
- Payment Forms — Custom branded forms to collect payments for specific use cases
- Easy Split — Split payments between multiple parties at checkout
- BBPS-Biller — Accept bill payments via the Bharat Bill Payment System
- softPOS — Turn any Android phone into a payment acceptance terminal
- UPI QR Code — Generate static or dynamic UPI QR codes for in-store or online payments
- One Click Checkout — Faster repeat checkouts using 100M+ saved customer profiles
Recurring Payments
- Subscriptions — Automated recurring billing for subscription-based businesses
- UPI AutoPay — Set up recurring mandates directly on UPI
- eNACH — Paperless NACH mandates for auto-debit from bank accounts
Make Payouts
- Payouts — Send money instantly to bank accounts, UPI, cards, and wallets at scale
- Cashgram — Send money via a link without needing the recipient's bank details
- Fund Sources / Connected Banking — Connect multiple bank accounts as funding sources for disbursals
Escrow as a Service
- One Escrow — Manage escrow accounts for marketplace and platform transactions
International Payments
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Other Products
Integrations
- Shopify — Plug-and-play Cashfree integration for Shopify stores
- Wix — Accept payments on Wix websites
- WooCommerce — Cashfree payment gateway plugin for WooCommerce
- PayPal — Connect PayPal as a checkout option instantly
- WordPress — WordPress plugin for payment collection
- Zoho — Integrate Cashfree with Zoho
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