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PhonePe

Indias largest UPI payments app with PhonePe Payment Gateway offering merchants checkout APIs, UPI, cards and wallet acceptance.

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IN Est. 2015 Active Payment Gateway / PSP

Our Verdict

Worth it for UPI-heavy Indian checkout, but Razorpay usually wins as primary gateway for devs.

Pros

  • India's largest UPI brand presence
  • Gateway covers UPI, cards, wallets
  • High consumer trust drives conversion
  • Solid uptime on UPI rails

Cons

  • Mostly UPI-centric merchant flow
  • Docs less developer-friendly than Razorpay
  • Onboarding requires India entity
  • Gateway feature set narrower than Razorpay
Best for: India merchants optimizing UPI conversion via the PhonePe consumer brand Not for: Teams wanting the richest gateway feature set in India

When to Use PhonePe

Good fit if you need

  • UPI checkout integration via PhonePe for Indian merchants
  • Accepting cards and wallet payments on PhonePe gateway
  • Recurring UPI AutoPay for Indian subscription services

Lock-in Assessment

Medium 3/5
Lock-in Score
3/5

PhonePe Pricing

Pricing Model
usage
Free Tier
No
Entry Price
Enterprise Available
No
Transparency Score

Beta — estimates may differ from actual pricing

1,000
1001K10K100K1M
10,000
1K10K100K1M10M

Estimated Monthly Cost

$25

Estimated Annual Cost

$300

Estimates are approximate and may not reflect current pricing. Always check the official pricing page.

Community Discussion

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