Payment Gateways

PhonePe Payment Gateway vs PayU India

Both are payment gateways. The short answer: choose PhonePe Payment Gateway if you are businesses whose customers mostly pay by UPI; choose PayU India if you are e-commerce and education businesses with mixed payment methods.

Some links on this site are affiliate links. If you buy through them we may earn a commission at no extra cost to you. Our rankings are not for sale; sponsored placements are always labelled.

PhonePe Payment Gateway logo PhonePe Payment GatewayPayU India logo PayU India
Best forBusinesses whose customers mostly pay by UPIE-commerce and education businesses with mixed payment methods
Free planVerifyVerify
PricingSee providerSee provider
Built for IndiaYesYes
CategoriesPayment GatewaysPayment Gateways
Strengths
  • Familiar UPI brand for customers
  • UPI-focused checkout
  • Many payment options including EMI
  • Established provider
Watch out for
  • Check availability of features for your category
  • Onboarding and fees depend on business category
Visit PhonePe Payment GatewayVisit PayU India

Which should you choose?

PhonePe Payment Gateway: Payment gateway from PhonePe with UPI-first checkout plus cards and netbanking.

PayU India: Payment gateway with UPI, cards, EMI and Buy Now Pay Later options.

The best way to decide is to run the same week of real work through both — most offer a free plan or trial — and compare how long tasks take, what your team prefers, and the total cost for your number of users including renewal pricing.

Not sure either fits? See all payment gateways compared.