The payment gateway with UPI charges from just 0.5% — sign up free
Accept online payments on your website, app or store with Zoho Payments — UPI, credit cards, debit cards, netbanking, wallets and bank transfers in one payment gateway. Zero setup fee, zero AMC, daily settlements. Onboarded free by AshPro Technologies, Zoho Authorized Partner.
*Platform fees per Zoho Payments (India) official pricing. 18% GST applies where applicable.
Calculate your payment gateway charges instantly
Enter a transaction amount and payment method to see the platform fee, GST and the exact amount settled to your bank account.
Indicative estimate based on Zoho Payments published rates. Zero MDR applies on UPI and RuPay Debit Cards as per RBI guidelines; certain card types carry different rates. Verify final rates on the official Zoho Payments pricing page.
Know exactly what you pay
Zoho Payments charges only a platform fee per successful transaction — no setup fees, no annual maintenance charges (AMC), no integration or onboarding costs.
UPI Payment Gateway
All major UPI apps supported. 2.15% applies on UPI via RuPay Credit Card.
Domestic Credit & Debit Cards
Corporate credit cards 2.75% · AMEX 3.0% · AMEX corporate 3.5%.
Netbanking & Wallets
70+ banks via Banking Connect, plus PhonePe, Amazon Pay, Mobikwik and more.
Bank Transfer
NEFT / RTGS / IMPS — whichever is lower per transaction.
International Cards
AMEX international cards at 3.5%.
UPI Autopay — Mandate Enrollment
One-time fee when a customer enrolls a recurring payment mandate.
Mandate Execution — up to ₹1,000
Per successful recurring debit for subscriptions and billing.
Mandate Execution — above ₹1,000
2.15% applies on executions through UPI via RuPay Credit Cards.
UPI / RuPay Debit Card
UPI on RuPay Credit Card 2.15% · UPI on Credit Line 1.99%.
Debit Cards
0.4% up to ₹2,000 · 0.9% above ₹2,000.
Credit Cards
1.1% utility/govt/education/fuel · 1.3% grocery · 1.99% others · 2.75% corporate.
NEFT / RTGS
Flat fee per payroll payout transaction.
IMPS
₹3 up to ₹1,000 · ₹7 for ₹1,001–₹25,000 · ₹10 above ₹25,000.
* All transactions on Zoho Payments are subject to a platform fee. 18% GST is levied wherever applicable. Rates as published by Zoho Payments (India) and subject to change — see the official pricing page.
Zoho Payments vs Razorpay vs Paytm vs PayU
Compare standard published transaction charges of the leading payment gateways in India. On UPI — India's most-used payment method — Zoho Payments charges just 0.5% versus the typical 2% platform fee elsewhere.
| Payment Method | Zoho Payments | Razorpay | Paytm PG | PayU |
|---|---|---|---|---|
| UPI | 0.5% | 2% | ~2%* | 2% |
| Domestic Credit / Debit Cards | 2% | 2% | ~2% | 2% |
| Netbanking | 2% | 2% | ~2% | 2% |
| International Cards | 3% | 3% | ~3% | 3% |
| AMEX / Corporate / Premium Cards | 2.75–3.5% | 3% | ~3% | 3% |
| Setup Fee & AMC | ₹0 | ₹0 | ₹0 | ₹0 |
| Native Zoho Books / Commerce / Billing integration | ✓ Built-in | Via connector | Via connector | Via connector |
| Free partner onboarding by AshPro | ✓ Included | — | — | — |
Comparison based on standard published rates of each provider as of June 2026 (Razorpay, Paytm Payment Gateway, PayU — official pricing pages), excluding GST. *Paytm advertises 0% UPI/RuPay for select eligible merchant categories, but many merchant categories are charged a platform fee of around 2%; rates vary by business category and volume. All providers offer custom pricing for high-volume merchants. Rates are subject to change — please verify on each provider's official pricing page. Razorpay, Paytm and PayU are trademarks of their respective owners.
Same Zoho pricing. Extra partner support — free.
Signing up with our partner code costs you nothing extra. You just get a Zoho Authorized Partner in your corner for payment gateway integration and support.
Free onboarding & KYC guidance
We walk you through account creation, business verification and bank linking, so your payment gateway goes live without back-and-forth delays.
Zoho Books, Commerce & Billing integration
As Zoho Commerce specialists, we connect Zoho Payments to your online store, invoices and subscriptions for automatic payment reconciliation.
Checkout & payment-link setup
Embedded checkout on your website, payment links for WhatsApp and email, and POS for in-store billing — configured for your workflow.
Ongoing local support
Trusted by 75+ businesses across India and abroad. Contact us on WhatsApp or a call whenever you need help — in English or Tamil.
Start accepting online payments in four steps
Sign up free
Create your Zoho Payments account using our link, or enter partner code 13VpsEx during registration.
Complete KYC
Submit business documents and link your bank account. We'll guide you through it.
Connect your tools
We integrate the payment gateway with your website, Zoho Commerce store, Books or Billing.
Start collecting
Accept UPI, cards, netbanking and more — with daily settlements straight to your bank.
Not sure where to start? We'll set it up for you.
Tell us a little about your business and our team will reach out with a tailored plan — from account creation to a fully integrated online payment flow on your website or store.
- Free 1:1 consultation call
- Account setup & KYC walkthrough
- Website / store checkout integration
- No charges for partner onboarding
Request a callback
Opens WhatsApp with your details pre-filled to +91 63848 30453. Or reach us via our contact page / hello@ashprotech.com
Payment gateway questions, answered
What are the payment gateway charges for Zoho Payments?
Zoho Payments charges a platform fee per transaction: 0.5% on UPI, 2% on domestic cards, netbanking and wallets, 1% or ₹10 (whichever is lower) on bank transfers, and 3% on international cards. 18% GST applies on the fee. There are no setup, annual or maintenance fees.
Which is the cheapest payment gateway in India for UPI?
For most businesses, Zoho Payments' 0.5% UPI rate is among the lowest standard published platform fees in the market — most leading gateways charge around 2% on UPI as a platform fee. Since UPI typically makes up the majority of Indian online transactions, this difference significantly reduces your overall payment gateway costs.
Does signing up through AshPro cost me anything extra?
Not at all. You pay the same official Zoho Payments rates. Signing up with our partner code simply means AshPro provides you free onboarding, KYC guidance and payment gateway integration support.
How do I receive my money?
Zoho Payments settles payouts directly to your bank account, with daily settlements at no additional cost.
Can I integrate the payment gateway with my website or Zoho apps?
Yes. Zoho Payments integrates natively with Zoho Commerce, Books, Invoice, Billing and Checkout, and supports embedded checkout and payment links for any website or app. As Zoho Commerce specialists, we handle the payment gateway integration end to end — contact us to get started.
How is GST applied on transaction charges?
18% GST is levied on the platform fee for all transactions, excluding domestic card transactions up to ₹2,000, as per Zoho Payments' published pricing.
Zoho Payments — a smarter online payment gateway for Indian businesses
Choosing the right payment gateway in India directly affects your margins. Whether you run an ecommerce store, collect invoice payments, sell subscriptions, or accept in-store payments, your payment gateway transaction charges add up on every sale. Zoho Payments is an RBI-regulated online payment gateway built for Indian businesses, supporting UPI payments, credit card and debit card processing, netbanking across 70+ banks, wallets and NEFT/RTGS/IMPS bank transfers — with daily settlements and zero setup costs.
Lowest UPI payment gateway charges
With a 0.5% platform fee on UPI, Zoho Payments offers one of the most competitive UPI rates among payment gateway providers in India — compared to the ~2% platform fee charged by gateways like Razorpay and PayU. For businesses where UPI dominates checkout, this is a direct saving on every order.
Payment gateway integration for websites, ecommerce and billing
Zoho Payments works out of the box with Zoho Commerce, Zoho Books, Zoho Invoice, Zoho Billing and Zoho Checkout, and offers embedded checkout, payment links and POS devices for any business model. As a Zoho Authorized Partner and Zoho Commerce specialist, AshPro Technologies handles your complete payment gateway integration — from sign-up and KYC to a live, reconciled payment flow — at no extra cost. Get in touch with our team or sign up free to get started today.
Start accepting payments today
Create your free Zoho Payments account with partner code 13VpsEx and get free onboarding and integration support from AshPro from day one.
