Best payment gateway with lowest fees India 2026

Finding the **best payment gateway in India in 2026** with **low fees** depends on your business type, volume, and preferred payment methods. Let’s break it down clearly, considering both **cost efficiency** and features. I’ll include approximate numbers based on current trends and projections: --- ### **1. Razorpay** - **Transaction Fees:** ~1.8% – 2% per transaction (for domestic cards and UPI) - **Key Features:** - Accept UPI, cards, wallets, net banking. - Auto-reconciliation & smart analytics. - Instant settlements available. - **Best For:** E-commerce, SaaS, startups, mid-size bu

When choosing a payment gateway in India, looking only at the "headline fee" (the percentage per transaction) can be a trap. The true cost depends on **Setup Fees, Annual Maintenance Charges (AMC), and transaction success rates** (because a failed payment costs you a customer). All major payment gateways in India are legally mandated to add **18% GST** on top of their base fees.[razorpay.com](https://razorpay.com/blog/shopify-payment-gateway-cost-

The **** offers the absolute lowest headline fee structure for startups in India, featuring a **0% transaction fee** (Standard Plan promo), **zero setup costs**, and **zero Annual Maintenance Charges (AMC)**. However, for most businesses, **Razorpay** represents the highest true return on investment (ROI) due to its superior **93%+ transaction success rate**. (https://dev.to/techiestark/payment-gateway-prici