Best payment gateway with no setup fee India 2026

If you want a payment gateway in India with **₹0 setup fee / no mandatory annual fee** in 2026, these are the strongest options right now: | Gateway | Setup Fee | Annual Fee | Typical Pricing | Best For | |---|---|---|---|---| | Razorpay | Free | None | ~2% | Startups, SaaS, ecommerce | | Cashfree Payments | Free | Usually none on starter plans | ~1.6–1.9% | High-volume businesses | | PhonePe Payment Gateway | Free | None | Custom / competitive | UPI-heavy businesses | | Instamojo | Free | None | ~2–3% | Freelancers, creators | | Paytm Payment Gateway | Free | Usually none | ~1.99–2.5% | Payt

The digital payments landscape in India is mature, competitive, and highly regulated. If you want to launch an e-commerce store, a SaaS startup, or a freelance business without paying upfront setup fees, you have excellent options. Most top-tier payment gateways now follow a **"Pay-as-you-go"** model, meaning **₹0 Setup Fees** and **₹0 Annual Maintenance Charges (AMC)**. You only pay a small percentage per successful transaction (plus 18% GST). --- ## Top Payment Gateways in India with No Setup Fee ### 1. Razorpay (T

The best payment gateways in India featuring **₹0 setup fees, zero annual maintenance charges (AMC), and instant digital onboarding** include **,, and **. The payment gateway landscape operates on a transparent, pay-as-you-go model where you only pay a transaction fee (Merchant Discount Rate or MDR) per successful transaction. (htt