# Best payment gateway with lowest fees India 2026 · 22 May
> What ChatGPT, Gemini, and Google AI Mode said about: Best payment gateway with lowest fees India 2026. Brands named, sources cited, sentiment per engine on…

Canonical URL: https://cite.solutions/state-of-ai-india/payment-gateways/reports/2026-05-22/p/6
Source: Cite Solutions (cite.solutions)
Published: 2026-05-22
---

[← B2B Payments & Business Banking · 22 May 2026](/state-of-ai-india/payment-gateways/reports/2026-05-22)One prompt · three engines

Prompt 06 · 22 May 2026

# Best payment gateway with lowest fees India 2026

Three engines were asked the exact prompt above on 22 May 2026. Below is the verbatim answer each one gave, the brands it named, and the URLs it cited.

ChatGPTgpt-5-5

Answered 22 May 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

Brands named

[Razorpay](https://razorpay.com "Visit Razorpay")[Cashfree](https://cashfree.com "Visit Cashfree")[Paytm Business](https://paytm.com "Visit Paytm Business")[Instamojo](https://instamojo.com "Visit Instamojo")

Geminigemini-3-flash

Answered 22 May 2026

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-

Brands named

[Razorpay](https://razorpay.com "Visit Razorpay")[Cashfree](https://cashfree.com "Visit Cashfree")[PhonePe Business](https://phonepe.com "Visit PhonePe Business")[PayU](https://payu.in "Visit PayU")

Sources cited · 1

* [pricingrazorpay.com/pricing](https://razorpay.com/pricing/#:~:text=When%20evaluating%20payment%20gateway%20pricing,which%20directly%20impact%20realised%20revenue)

AI ModeGoogle AI Mode

Answered 22 May 2026

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

Brands named

[PhonePe Business](https://phonepe.com "Visit PhonePe Business")[Razorpay](https://razorpay.com "Visit Razorpay")[Cashfree](https://cashfree.com "Visit Cashfree")[PayU](https://payu.in "Visit PayU")

Sources cited · 2

* [PhonePe Payment Gatewayphonepe.com](https://www.phonepe.com/)
* [in / blog / best small business payment gatewaywise.com/in/blog/best-small-business-payment-gateway](https://wise.com/in/blog/best-small-business-payment-gateway)

[← Prompt 05](/state-of-ai-india/payment-gateways/reports/2026-05-22/p/5)[Back to edition ↑](/state-of-ai-india/payment-gateways/reports/2026-05-22)[Prompt 07 →](/state-of-ai-india/payment-gateways/reports/2026-05-22/p/7)