Paytm Payment Gateway
Paytm’s payment gateway for Indian businesses with wallet, UPI and card acceptance, reported at about 1.99 to 2 percent standard TDR and custom enterprise pricing.
- Usage or transaction based
- Cloud
- Built for India
- Independent sources
- Verified 13 Nov 2026Sources are dated on this profile
- 2 sourcesLinked, typed and dated
- Independent third-party sourcesHow this profile was compiled
- Not an endorsementStack18 has not tested this product
What is Paytm Payment Gateway?
Paytm Payment Gateway is an online payment gateway from One97 Communications (Paytm) that lets Indian businesses accept UPI, cards, net banking and Paytm wallet payments on websites and apps, with a standard transaction rate reported near 2 percent and custom enterprise pricing.
- Best forExisting Paytm merchants
- Team size fitSmall teams, Mid-size teams, Large enterprises
- PricingStandard TDR reported at about 1.99–2%.
- Main limitationRegulatory uncertainty for wallet flows after RBI’s 2024 action.
- AlternativesRazorpay, PhonePe Payment Gateway, Cashfree Payments, PayU · compare all
Paytm Payment Gateway overview: who it is for and what it does.
Paytm is one of India’s best-known payment brands, and its gateway is used by large consumer businesses that want wallet and UPI acceptance alongside cards.
A 2026 developer comparison reports a standard TDR of about 1.99 to 2 percent, annual maintenance that varies by plan, a setup fee on some plans and custom enterprise pricing. It lists Android, iOS and JavaScript SDKs as strengths.
The same source notes inconsistent documentation across payment methods, sandbox gaps and regulatory uncertainty for wallet-dependent flows after RBI’s 2024 action against Paytm Payments Bank, and does not recommend it as a primary gateway for new integrations. Check current terms with Paytm.
Main problem it solves
Lets Indian merchants accept Paytm wallet, UPI and card payments online.
Typical customer segment
Indian consumer businesses, especially existing Paytm merchants.
Target users
- Consumer app developers
- E-commerce merchants
- Existing Paytm offline merchants
Primary use cases
- Website and app checkout
- Paytm wallet acceptance
- UPI payments
- Card payments
- Payment links (vendor)
What makes it distinct
- Paytm wallet acceptance.
- Large Indian consumer brand.
- Mobile SDKs.
Paytm Payment Gateway features explained.
Payments
- UPI and cards
- Supported.
- Paytm wallet
- Wallet acceptance.
- Net banking
- Supported.
Developers
- SDKs
- Android, iOS and JavaScript.
- Backend SDKs
- Coverage described as thin.
- Sandbox
- Fidelity gaps reported.
Commercials
- Standard TDR
- About 1.99–2%.
- Setup and AMC
- Vary by plan.
- Enterprise
- Custom pricing.
Paytm Payment Gateway pricing and plans.
Figures reported by independent sources; vendor page not reviewed directly. Checked 13 Nov 2026 against DEV Community · EnKash.
Pricing model
Percentage per transaction; setup and annual fees on some plans; custom for enterprise.
Free plan
No
Free trial
Not applicable
Paytm Payment Gateway plans and prices (INR)
Standard
About 1.99–2% per transaction (reported)
Per transaction
AMC and setup vary by plan.
Enterprise
Custom
Contact sales
Figures come from a 2026 third-party developer comparison; Paytm’s own rate card may differ and GST applies.
Prices change. Confirm current plans and terms on the vendor's site before you decide.
Visit official website (external) ↗See alternativesPaytm Payment Gateway integrations, API and platforms.
Important integrations
- Android, iOS and JS SDKs
- E-commerce plugins (vendor)
- Paytm for Business app
Supported platforms
- Web
- Android
- iOS
API
Payment APIs.
Data import and export
Not applicable.
Confirm wallet availability and compliance status before integrating.
Paytm Payment Gateway pros and cons.
Strengths, limitations and best fit. Each point cites a source; editorial summaries are not customer reviews.
Strengths
Limitations
Best for
- Existing Paytm merchants
- Consumer apps wanting wallet acceptance
- Large merchants negotiating custom rates
May be less suited to
- New startups wanting the simplest integration
- Merchants avoiding wallet-related risk
Top Paytm Payment Gateway alternatives and competitors.
Razorpay
India's leading payment gateway, at 2% + GST on standard domestic payments with 0% MDR on UPI (platform fee…
Explore →Related productPhonePe Payment Gateway
PhonePe’s online payment gateway for Indian businesses, with zero setup and annual fees and a Standard plan…
Explore →Related productCashfree Payments
An Indian payment gateway with a 1.95% standard rate, 0% on UPI and RuPay, and 0% on the first INR 20 lakh of…
Explore →Related productPayU
A payment gateway strong in India, at 2% for domestic payments and 3% for Amex, Diners, EMI and international…
Explore →Paytm Payment Gateway compared with similar payment gateways.
Summaries come from each profile. This is a side-by-side aid, not a ranking.
| Product | Pricing model | Free plan | Starting price | Best for |
|---|---|---|---|---|
| Paytm Payment Gateway | Usage or transaction based | No | Standard TDR reported at about 1.99–2%. | Existing Paytm merchants |
| Razorpay | Flat or plan-based | No monthly fee | 2% + GST on domestic cards, net banking and wallets; UPI 0% MDR with a platform fee… | Indian businesses collecting online payments |
| PhonePe Payment Gateway | Usage or transaction based | No setup or annual fee | Standard 1.99% (promotional “free” offer); zero setup fee. | Indian merchants with heavy UPI traffic |
| Cashfree Payments | Flat or plan-based | No monthly fee | 1.95% standard; 0% on UPI and RuPay; reported INR 4,999 annual fee; promo 0% on first INR… | Indian businesses wanting the lowest headline rate |
| PayU | Flat or plan-based | No monthly fee | 2% domestic; 3% on Amex, Diners, EMI and international cards; UPI varies by business type. | Indian merchants with EMI-heavy, high-ticket baskets |
| Adyen | Usage or transaction based | No monthly fee | Interchange++ with markup from ~0.60% + ~10-12c; EUR 120 monthly minimum invoice. | High-volume global enterprises |
Paytm Payment Gateway vs competitors: head-to-head comparisons.
Paytm Payment Gateway questions and answers
What is Paytm Payment Gateway used for?
Paytm Payment Gateway is used for website and app checkout, paytm wallet acceptance, UPI payments and card payments.
Does Paytm Payment Gateway have a free plan?
No. Paytm Payment Gateway does not offer a permanent free plan in the sources reviewed. Free trial: Not applicable.
How much does Paytm Payment Gateway cost?
Standard TDR reported at about 1.99–2%. Figures come from a 2026 third-party developer comparison; Paytm’s own rate card may differ and GST applies.
What are the main alternatives to Paytm Payment Gateway?
The main alternatives to Paytm Payment Gateway covered on Stack18 are Razorpay, PhonePe Payment Gateway, Cashfree Payments and PayU. Razorpay may suit Indian businesses collecting online payments. PhonePe Payment Gateway may suit Indian merchants with heavy UPI traffic. Cashfree Payments may suit Indian businesses wanting the lowest headline rate. See the Paytm Payment Gateway alternatives guide for a side-by-side table.
What integrations does Paytm Payment Gateway support?
Documented integrations include Android, iOS and JS SDKs, E-commerce plugins (vendor) and Paytm for Business app. API: Payment APIs.
What are the limitations of Paytm Payment Gateway?
Regulatory uncertainty for wallet flows after RBI’s 2024 action. Documentation inconsistent across methods. Setup fee and AMC on some plans.
Which platforms does Paytm Payment Gateway run on?
Paytm Payment Gateway is documented as available on: Web, Android, iOS.
Is Paytm Payment Gateway available in India?
Yes. Paytm Payment Gateway is built for or widely used in India, and pricing is available in INR where noted. Confirm GST and local terms with the vendor.
When was the Paytm Payment Gateway profile last verified?
Sources for this profile were last reviewed on 13 Nov 2026. 2 sources are listed under Sources, and prices and plans can change, so confirm with the vendor.
Where this information comes from.
- Payment Gateway Pricing Compared: High ROI Options in India in 2026 DEV Community Third-party Accessed 13 Nov 2026
- Payment gateway fees in India EnKash Third-party Accessed 13 Nov 2026
Secondary-source profile. Vendor pages were not reviewed directly for this profile. Facts and prices are corroborated across independent third-party sources and may differ from the vendor's current pages. Confirm with the vendor before buying.
Plan names, prices and features were checked against the sources listed on 13 Nov 2026. Capabilities were not tested.
Stack18 has not tested this product or received anything from the vendor for this profile. Editorial summaries of vendor information are not endorsements. Confirm details with the vendor before buying.
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