Freedom251 › Payment Tokenization Software
PayU
What PayU is
PayU provides payment gateway services for online businesses accepting digital payments. It supports 150+ payment modes, including cards, net banking, UPI, wallets, EMI, buy now, pay later, and QR. Indian businesses can accept international payments through Visa, Mastercard, and AmEx in 150+ countries. Checkout options include web and mobile app flows with SDKs, including one-click app payments. Recurring Payments can automate collections and support customized subscription plans, and PayU also supports marketplace payments. APIs, SDKs, and plugins are available, with named integrations including WooCommerce, Shopify, BigCommerce, and Shopmatic. PayU describes its gateway as PCI-DSS Level 1 certified and an RBI-authorised payment aggregator, with encryption and fraud-prevention tools. The standard settlement cycle is T+2; same-day and Priority Settlements are available for some business categories. The Pay as you use plan is priced on request, with 18% GST applicable on all transactions and no setup fee. PayU was founded in 2014 and is Prosus’s payments and fintech business.
Who it suits
PayU is aimed at online businesses, including e-commerce and airline businesses in India, that need digital payment options. It may suit businesses seeking recurring collections, marketplace payments, or international card payments.
What it does well
- Supports 150+ payment modes.
- Offers recurring and marketplace payments.
- Provides web and mobile app checkout.
- Names integrations with WooCommerce, Shopify, BigCommerce, and Shopmatic.
- Describes encryption and fraud-prevention tools.
What to know first
- No free plan.
- Merchant UPI pricing varies by business type and volume.
- Standard settlements take T+2.
Limits
The Pay as you use plan is priced on request, with 18% GST applicable on all transactions. UPI P2P has zero MDR under government guidelines, while merchant UPI pricing varies by business type and volume.
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Pay as you use | 18% GST applicable on all transactions · 2% for Visa, Mastercard, Net Banking, BNPL, Wallets (domestic) · 3% for Diners, American Express, EMI, international transactions · No setup fee | $23 |
As payu.in lists them, read 7 Oct 2026. The maker's own page has the final word.
Getting started
- Visit the PayU payment gateway website.
- Select the Pay as you use plan on request.
- Connect through APIs, SDKs, or plugins.
- Use a supported platform such as WooCommerce, Shopify, BigCommerce, or Shopmatic.
- Set up web or mobile app checkout for the payment flow.
Verdict
PayU combines a wide range of payment methods with recurring collections, marketplace support, and multiple integration routes. Review the transaction pricing and settlement options for your business category before choosing it.
Questions
How much does PayU cost?
The Pay as you use plan is priced on request. 18% GST applies on all transactions, and there is no setup fee.
Does PayU have a free plan?
No, PayU has no free plan.
Which payment methods does PayU support?
It supports more than 150 modes, including cards, net banking, UPI, wallets, EMI, BNPL, and QR.
Can Indian businesses accept international payments?
Yes. Indian businesses can accept international payments via Visa, Mastercard, and American Express in more than 150 countries.
Does PayU support integrations?
Yes. It offers APIs, SDKs, and plugins, and names WooCommerce, Shopify, BigCommerce, and Shopmatic as supported third-party platforms.
What is PayU's settlement timing?
The standard settlement cycle is T+2. Same-day and Priority Settlements are available for some business categories.
Facts from PayU's own pages
- Checkout
- PayU offers web checkout and mobile app checkout with SDKs, including one-click app payments. · payu.in, 7 Oct 2026
- Company history
- PayU’s about page says PayU India was founded in 2014 after separating from Ibibo. · payu.in, 7 Oct 2026
- Founded
- 2014 · payu.in, 28 Sept 2026
- Integrations
- PayU offers APIs, SDKs and plugins, and names WooCommerce, Shopify, BigCommerce and Shopmatic as supported third-party platforms. · payu.in, 7 Oct 2026
- Intended customers
- PayU says it serves online businesses and describes its Indian merchants as including e-commerce companies and airline businesses. · payu.in, 7 Oct 2026
- International payments
- Indian businesses can accept international payments via Visa, Mastercard and AmEx in 150+ countries. · payu.in, 7 Oct 2026
- Parent company
- PayU is the payments and fintech business of Prosus. · payu.in, 7 Oct 2026
- Payment methods
- The gateway supports 150+ payment modes, including cards, net banking, UPI, wallets, EMI, BNPL and QR. · payu.in, 7 Oct 2026
- Pricing limits
- UPI P2P has zero MDR under government guidelines, while merchant UPI pricing varies by business type and volume. · payu.in, 7 Oct 2026
- Purpose
- PayU provides payment gateway solutions for online businesses to accept digital payments. · payu.in, 7 Oct 2026
- Recurring billing
- Recurring Payments lets businesses automate collections and customize subscription plans. · payu.in, 7 Oct 2026
- Refunds
- The payment gateway page says refunds can be disbursed within five minutes of a refund request. · payu.in, 7 Oct 2026
- Security
- PayU describes its gateway as PCI-DSS Level 1 certified and an RBI-authorised payment aggregator, with encryption and fraud prevention tools. · payu.in, 7 Oct 2026
- Settlements
- The standard settlement cycle is T+2, with same-day and Priority Settlements available for some business categories. · payu.in, 7 Oct 2026
- Support
- PayU’s QR product page says representatives are available around the clock for support. · payu.in, 7 Oct 2026
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