{"id":9896,"date":"2026-06-17T07:22:16","date_gmt":"2026-06-17T07:22:16","guid":{"rendered":"https:\/\/decentro.tech\/blog\/?p=9896"},"modified":"2026-06-17T07:24:50","modified_gmt":"2026-06-17T07:24:50","slug":"razorpay-alternatives","status":"publish","type":"post","link":"https:\/\/decentro.tech\/blog\/razorpay-alternatives\/","title":{"rendered":"Top 10 Razorpay Alternatives in 2026 | Compared"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_17 counter-hierarchy\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class=\"ez-toc-list ez-toc-list-level-1\"><li class=\"ez-toc-page-1 ez-toc-heading-level-1\"><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/decentro.tech\/blog\/razorpay-alternatives\/#A_Quick_Glance\" title=\"A Quick Glance\">A Quick Glance<\/a><ul class=\"ez-toc-list-level-2\"><li class=\"ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/decentro.tech\/blog\/razorpay-alternatives\/#Decentro\" title=\"Decentro\">Decentro<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/decentro.tech\/blog\/razorpay-alternatives\/#Cashfree_Payments\" title=\"Cashfree Payments\">Cashfree Payments<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/decentro.tech\/blog\/razorpay-alternatives\/#PayU_India\" title=\"PayU India\">PayU India<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/decentro.tech\/blog\/razorpay-alternatives\/#CCAvenue\" title=\"CCAvenue\">CCAvenue<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/decentro.tech\/blog\/razorpay-alternatives\/#BillDesk\" title=\"BillDesk\">BillDesk<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/decentro.tech\/blog\/razorpay-alternatives\/#Paytm_Payment_Gateway\" title=\"Paytm Payment Gateway\">Paytm Payment Gateway<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/decentro.tech\/blog\/razorpay-alternatives\/#Juspay\" title=\"Juspay\">Juspay<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/decentro.tech\/blog\/razorpay-alternatives\/#Easebuzz\" title=\"Easebuzz\">Easebuzz<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/decentro.tech\/blog\/razorpay-alternatives\/#PhonePe_for_Business\" title=\"PhonePe for Business\">PhonePe for Business<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/decentro.tech\/blog\/razorpay-alternatives\/#Instamojo\" title=\"Instamojo\">Instamojo<\/a><ul class=\"ez-toc-list-level-3\"><li class=\"ez-toc-heading-level-3\"><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/decentro.tech\/blog\/razorpay-alternatives\/#How_to_Choose_the_Right_Razorpay_Alternative\" title=\"How to Choose the Right Razorpay Alternative\">How to Choose the Right Razorpay Alternative<\/a><\/li><\/ul><\/li><\/ul><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-1\"><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/decentro.tech\/blog\/razorpay-alternatives\/#Frequently_Asked_Questions\" title=\"Frequently Asked Questions\">Frequently Asked Questions<\/a><\/li><\/ul><\/nav><\/div>\n\n<figure class=\"wp-block-image size-large featured-post-img\"><img loading=\"lazy\" width=\"1779\" height=\"1779\" src=\"https:\/\/decentro.tech\/blog\/wp-content\/uploads\/Listicle-TopRazorpayAlternatives_InternalBanner.jpg\" alt=\"\" class=\"wp-image-9899\"\/><\/figure>\n\n\n\n<p>If you&#8217;re running a business in India \u2014 whether you&#8217;re a startup, a scaling SaaS platform, or an enterprise with global ambitions \u2014 Razorpay has probably crossed your radar. It&#8217;s one of India&#8217;s most recognised payment gateways, and for good reason. But it isn&#8217;t the right fit for every business.<\/p>\n\n\n\n<p>In this guide, we break down the <strong>top 10 Razorpay alternatives in 2026<\/strong> \u2014 with pros, cons, features, and market position to help you make the right call.<\/p>\n\n\n\n<p>Razorpay built the category. It gave Indian developers their first truly modern payment gateway \u2014 clean APIs, fast onboarding, and a product that actually kept pace with India&#8217;s UPI-first payments revolution.<\/p>\n\n\n\n<p>But it isn&#8217;t the only answer anymore.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"2500\" height=\"1308\" src=\"https:\/\/decentro.tech\/blog\/wp-content\/uploads\/Listicle-TopRazorpayAlternatives_Market.jpg\" alt=\"India's Payment Gateway Market\" class=\"wp-image-9901\"\/><\/figure>\n\n\n\n<p>India&#8217;s payment infrastructure has matured significantly. The <strong>Indian payment gateway market was valued at USD 2.07 billion in 2025 and is projected to reach USD 4.01 billion by 2031<\/strong>, growing at a CAGR of 11.66%. There are now excellent alternatives purpose-built for UPI-first India, multi-currency international payments, developer-heavy platforms, and everything in between.<\/p>\n\n\n\n<p>Businesses today have needs that a single gateway cannot satisfy. Some need modular banking infrastructure they can build on top of. Others need multi-currency international collections paired with domestic UPI flows. Many want lower transaction fees, faster settlements, or simply a provider whose product focus matches their use case more precisely.<\/p>\n\n\n\n<p>This listicle covers the <strong>top 10 Razorpay alternatives in India for 2026<\/strong> \u2014 what each one is built for, where it wins, and where it doesn&#8217;t. All information is based on publicly verified, current sources.<\/p>\n\n\n\n<h1 class=\"alignfull has-text-align-center\"><span class=\"ez-toc-section\" id=\"A_Quick_Glance\"><\/span>A Quick Glance<span class=\"ez-toc-section-end\"><\/span><\/h1>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>S.No.<\/strong><\/td><td><strong>Gateway<\/strong><\/td><td><strong>Best For<\/strong><\/td><\/tr><tr><td>1<\/td><td><strong><a href=\"https:\/\/decentro.tech\/blog\/razorpay-alternatives\/#Decentro\">Decentro<\/a><\/strong><\/td><td>API-first fintech, UPI infrastructure, B2B platforms<\/td><\/tr><tr><td>2<\/td><td><strong><a href=\"https:\/\/decentro.tech\/blog\/razorpay-alternatives\/#Cashfree_Payments\">Cashfree Payments<\/a><\/strong><\/td><td>Startups, payouts, instant settlements<\/td><\/tr><tr><td>3<\/td><td><strong><a href=\"https:\/\/decentro.tech\/blog\/razorpay-alternatives\/#PayU_India\">PayU India<\/a><\/strong><\/td><td>Enterprise e-commerce, large volumes<\/td><\/tr><tr><td>4<\/td><td><strong><a href=\"https:\/\/decentro.tech\/blog\/razorpay-alternatives\/#CCAvenue\">CCAvenue<\/a><\/strong><\/td><td>SMEs, multi-currency checkout<\/td><\/tr><tr><td>5<\/td><td><strong><a href=\"https:\/\/decentro.tech\/blog\/razorpay-alternatives\/#BillDesk\">BillDesk<\/a><\/strong><\/td><td>Enterprise bill payments, utilities<\/td><\/tr><tr><td>6<\/td><td><strong><a href=\"https:\/\/decentro.tech\/blog\/razorpay-alternatives\/#Paytm_Payment_Gateway\">Paytm Payment Gateway<\/a><\/strong><\/td><td>Wallet-heavy flows, retail<\/td><\/tr><tr><td>7<\/td><td><strong><a href=\"https:\/\/decentro.tech\/blog\/razorpay-alternatives\/#Juspay\">Juspay<\/a><\/strong><\/td><td>Orchestration, large platforms, UPI optimisation<\/td><\/tr><tr><td>8<\/td><td><strong><a href=\"https:\/\/decentro.tech\/blog\/razorpay-alternatives\/#Easebuzz\">Easebuzz<\/a><\/strong><\/td><td>Cost-conscious SMEs, ed-tech, NGOs<\/td><\/tr><tr><td>9<\/td><td><strong><a href=\"https:\/\/decentro.tech\/blog\/razorpay-alternatives\/#PhonePe_for_Business\">PhonePe for Business<\/a><\/strong><\/td><td>UPI-dominant flows, retail, FMCG<\/td><\/tr><tr><td>10<\/td><td><strong><a href=\"https:\/\/decentro.tech\/blog\/razorpay-alternatives\/#Instamojo\">Instamojo<\/a><\/strong><\/td><td>Freelancers, solo sellers, no-code stores<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Decentro\"><\/span>Decentro<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"2868\" height=\"1320\" src=\"https:\/\/decentro.tech\/blog\/wp-content\/uploads\/Screenshot-2026-06-17-at-12.31.57\u202fPM.png\" alt=\"Decentro website\" class=\"wp-image-9902\"\/><\/figure>\n\n\n\n<p><strong>Category:<\/strong> Fintech Infrastructure &amp; Payment Aggregator&nbsp;<\/p>\n\n\n\n<p><strong>HQ:<\/strong> Bengaluru, India | <strong>Founded:<\/strong> 2020<\/p>\n\n\n\n<p><a href=\"https:\/\/decentro.tech\/\" target=\"_blank\" rel=\"noreferrer noopener\">Decentro<\/a> is India&#8217;s leading full-stack API banking and fintech infrastructure platform. While most payment gateways focus on the checkout experience, Decentro operates at the infrastructure layer \u2014 offering businesses modular APIs and SDKs to build, launch, and scale their own financial products.<\/p>\n\n\n\n<p>After receiving its RBI Payment Aggregator (PA) license in 2024, Decentro launched <strong>Flow 2.0<\/strong> \u2014 a next-generation payment stack built around UPI collections, recurring mandates, and instant payouts. In May 2026, Decentro partnered with Unlimit to extend its infrastructure to cross-border payments, making it one of the few Indian platforms that covers both domestic UPI depth and international multi-currency collection under one integration.<\/p>\n\n\n\n<p>If you are building a marketplace, a lending platform, a subscription business, or any B2B payments workflow, Decentro is purpose-built for the complexity that a generic gateway can&#8217;t address cleanly.<\/p>\n\n\n\n<h4>Top Features<\/h4>\n\n\n\n<ul><li><a href=\"https:\/\/decentro.tech\/products\/upi-payment-gateway\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>UPI Payment Gateway<\/strong><\/a><strong>:<\/strong> End-to-end UPI collections with high success rates for e-commerce, logistics, gaming, edtech, hyperlocal commerce, and more<\/li><li><strong>Multi-Currency International Payments:<\/strong> Cross-border payment infrastructure through the Unlimit partnership \u2014 enabling Indian businesses to accept payments from global customers<\/li><li><a href=\"https:\/\/decentro.tech\/products\/recurring-payments\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Recurring Payments (eNACH + UPI AutoPay)<\/strong><\/a><strong>:<\/strong> Fully managed mandate flows for subscriptions, EMIs, OTT, insurance, and mutual fund SIPs<\/li><li><a href=\"https:\/\/decentro.tech\/products\/virtual-accounts\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Virtual Accounts (Multi-Collect)<\/strong><\/a><strong>:<\/strong> Dynamic virtual account creation for automated, scalable reconciliation<\/li><li><a href=\"https:\/\/decentro.tech\/products\/instant-payouts\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Instant Payouts (24&#215;7)<\/strong><\/a><strong>:<\/strong> Disburse via UPI, IMPS, NEFT, RTGS \u2014 with resilience against bank downtimes<\/li><li><a href=\"https:\/\/decentro.tech\/products\/kyc-onboarding\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>KYC &amp; Identity APIs<\/strong><\/a><strong>:<\/strong> Aadhaar, PAN, CKYC, Video KYC, Penny Drop, DigiLocker, and 15+ verification modules<\/li><li><a href=\"https:\/\/decentro.tech\/products\/ledgers\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Ledgers<\/strong><\/a><strong>:<\/strong> Automated multi-party reconciliation for platforms and marketplaces<\/li><li><strong><a href=\"https:\/\/decentro.tech\/products\/scanner\" target=\"_blank\" rel=\"noreferrer noopener\">OmniScore &amp; Risk APIs<\/a>:<\/strong> Intelligent transaction risk scoring for fraud prevention<\/li><li><strong>Offline QR Collections:<\/strong> Physical merchant QR with digital reconciliation (launched Feb 2026)<\/li><li><strong>Sandbox from Day One:<\/strong> Developers get full API access and a test environment from account creation \u2014 no paperwork, no branch visits<\/li><\/ul>\n\n\n\n<h4>Pros<\/h4>\n\n\n\n<ul><li>Modular API architecture \u2014 integrate only the modules your business needs<\/li><li>RBI-licensed PA with deep compliance coverage<\/li><li>Purpose-built for fintech infrastructure, lending apps, marketplaces, and B2B platforms<\/li><li>Developer-first: clean documentation, sandbox access from day one<\/li><li>Strong KYC and identity verification stack alongside payments<\/li><li>Multi-currency international collections&nbsp;<\/li><li>Covers both collections and payouts within one platform<\/li><\/ul>\n\n\n\n<h4>Cons<\/h4>\n\n\n\n<ul><li>Does not support card-based collections (credit\/debit) natively \u2014 focused on UPI and bank transfer rails<\/li><li>Pricing is custom and not publicly listed; best suited for businesses with defined technical requirements<\/li><li>Not designed for no-code or non-technical merchants who need a hosted checkout without API work<\/li><\/ul>\n\n\n\n<p><strong>Pricing:<\/strong> Custom, API-usage-based. Contact the Decentro team for a quote specific to your use case.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Cashfree_Payments\"><\/span>Cashfree Payments<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"2870\" height=\"1314\" src=\"https:\/\/decentro.tech\/blog\/wp-content\/uploads\/Screenshot-2026-06-17-at-12.38.03\u202fPM.png\" alt=\"Cashfree Payments website\" class=\"wp-image-9903\"\/><\/figure>\n\n\n\n<p><strong>Category: Full-Stack Payment Gateway | Instant Settlements<\/strong><\/p>\n\n\n\n<p><strong>HQ:<\/strong> Bengaluru, India | <strong>Founded:<\/strong> 2015&nbsp;<\/p>\n\n\n\n<p><a href=\"https:\/\/www.cashfree.com\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Cashfree Payments<\/a> is a full-stack payment and API banking platform that supports both domestic and cross-border transactions. Backed by SBI, Y Combinator, Krafton, and Apis Partners (with early incubation from PayPal), Cashfree was the <strong>first company to receive the RBI&#8217;s PA-CB (cross-border) license<\/strong> in July 2024 \u2014 giving it a meaningful compliance head start on international payments.<\/p>\n\n\n\n<p>Where Cashfree genuinely stands out is <strong>settlement speed<\/strong>: it offers T+0 instant settlements, which most competitors don&#8217;t match. For cash-flow-sensitive businesses, this alone is worth paying attention to.<\/p>\n\n\n\n<h4>Top Features<\/h4>\n\n\n\n<ul><li>180+ payment methods: UPI, credit\/debit cards, wallets, net banking, BNPL, EMI<\/li><li><strong>FlowWise smart routing<\/strong> for improved payment success rates<\/li><li><strong>T+0 instant settlements<\/strong> \u2014 the standout differentiator in the Indian market<\/li><li>International payments via Visa, Mastercard, Amex + Global Collection Accounts<\/li><li>Bulk payouts, eNACH, UPI AutoPay for recurring billing<\/li><li>Secure ID APIs for KYC and identity verification<\/li><li>Plugins for Shopify, WooCommerce, Wix, Magento<\/li><\/ul>\n\n\n\n<h4>Pros<\/h4>\n\n\n\n<ul><li>T+0 instant settlement is unmatched among Indian gateways<\/li><li>First-mover advantage with the RBI PA-CB license<\/li><li>Strong API documentation and developer experience<\/li><li>35+ BNPL options at checkout<\/li><li>180+ payment methods in one integration<\/li><\/ul>\n\n\n\n<h4>Cons<\/h4>\n\n\n\n<ul><li>International card fees are higher relative to domestic rates<\/li><li>Per-payment FIRA is not available for international collections \u2014 only consolidated FIRS reports, which can complicate GST refund filings<\/li><li>Support quality can vary for smaller merchants<\/li><\/ul>\n\n\n\n<p><strong>Pricing:<\/strong><a href=\"https:\/\/www.cashfree.com\/payment-gateway-charges\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"> See Cashfree&#8217;s official pricing page<\/a> \u2014 domestic transactions from ~1.95%; custom pricing for high-volume accounts.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"PayU_India\"><\/span>PayU India<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"2862\" height=\"1322\" src=\"https:\/\/decentro.tech\/blog\/wp-content\/uploads\/Screenshot-2026-06-17-at-12.38.29\u202fPM.png\" alt=\"PayU India website\" class=\"wp-image-9904\"\/><\/figure>\n\n\n\n<p><strong>Category: Enterprise Payment Gateway | International Coverage<\/strong><\/p>\n\n\n\n<p><strong>HQ:<\/strong> Gurugram, India | <strong>Founded:<\/strong> 2011 | <strong>Parent:<\/strong> Prosus&nbsp;<\/p>\n\n\n\n<p><a href=\"https:\/\/payu.in\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">PayU India<\/a> is one of India&#8217;s most established payment gateways with genuine global scale \u2014 operating across 50+ markets internationally. In India, PayU&#8217;s acquisition of BillDesk created one of the highest-volume payment processing entities in the country, particularly dominant in utility bill payments and recurring transactions. PayU received its PA-CB license in November 2025, completing full-stack RBI licensing.<\/p>\n\n\n\n<p>It is the go-to gateway for large enterprises in e-commerce, travel, insurance, and financial services that need both broad domestic coverage and international currency acceptance.<\/p>\n\n\n\n<h4>Top Features<\/h4>\n\n\n\n<ul><li>150+ payment options: UPI, cards, net banking, wallets, EMI, BNPL<\/li><li>International payments in <strong>130+ currencies<\/strong> across 150+ countries<\/li><li>One-click checkout (Visa Safe Click, Native OTP)<\/li><li>GST-compliant invoicing via email and WhatsApp<\/li><li>Subscription and recurring billing infrastructure<\/li><li>Fraud protection with advanced encryption<\/li><li>T+2 settlements with priority settlement options available<\/li><\/ul>\n\n\n\n<h4>Pros<\/h4>\n\n\n\n<ul><li>No setup fees<\/li><li>Widest international currency coverage among Indian-origin gateways (130+ currencies)<\/li><li>Strong enterprise-grade reliability<\/li><li>Diners, AmEx, and EMI support<\/li><li>Seamless access to BillDesk&#8217;s bill payment infrastructure for enterprise use cases<\/li><\/ul>\n\n\n\n<h4>Cons<\/h4>\n\n\n\n<ul><li>KYC activation can be slower for certain business types<\/li><li>Customer support response times are inconsistent<\/li><li>Less developer-friendly for smaller teams compared to Razorpay or Cashfree<\/li><\/ul>\n\n\n\n<p><strong>Pricing:<\/strong><a href=\"https:\/\/payu.in\/pricing\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"> See PayU&#8217;s official pricing page<\/a> \u2014 standard domestic rate 2% + 18% GST; Diners, AmEx, EMI, and international: 3% + GST; custom pricing for enterprise volumes.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"CCAvenue\"><\/span>CCAvenue<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"2866\" height=\"1310\" src=\"https:\/\/decentro.tech\/blog\/wp-content\/uploads\/Screenshot-2026-06-17-at-12.38.56\u202fPM.png\" alt=\"CCAvenue website\" class=\"wp-image-9905\"\/><\/figure>\n\n\n\n<p><strong>Category: Veteran Gateway | SME &amp; Multi-Currency Checkout<\/strong><\/p>\n\n\n\n<p><strong>HQ:<\/strong> Mumbai, India | <strong>Founded:<\/strong> 2001 (Infibeam Avenues)&nbsp;<\/p>\n\n\n\n<p><a href=\"https:\/\/www.ccavenue.com\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">CCAvenue<\/a> is India&#8217;s longest-running payment gateway \u2014 launched in 2001 and battle-tested across over two decades of India&#8217;s digital payments evolution. With 200+ payment modes and support for <strong>27 major currencies<\/strong>, it is one of the most complete out-of-the-box multi-currency solutions available to Indian businesses without needing custom international infrastructure.<\/p>\n\n\n\n<p>Its particular strengths are in multilingual checkout (18 languages), payment recovery (Smart Retry), and reliable service for sectors like government, education, travel, and retail.<\/p>\n\n\n\n<h4>Top Features<\/h4>\n\n\n\n<ul><li>200+ payment modes: cards, EMI, net banking, UPI, wallets<\/li><li>Multi-currency checkout in <strong>27 currencies<\/strong> with real-time INR conversion<\/li><li>Checkout pages in 18 Indian and international languages<\/li><li>Instant digital KYC onboarding<\/li><li>Smart Retry: helps customers recover from failed payment attempts<\/li><li>Mobile app for tracking payments across channels<\/li><li>No setup fees on the Popular plan<\/li><\/ul>\n\n\n\n<h4>Pros<\/h4>\n\n\n\n<ul><li>Most established Indian gateway \u2014 proven reliability over 20+ years<\/li><li>Multilingual checkout is rare and valuable for regional businesses and government deployments<\/li><li>Smart Retry reduces revenue loss from checkout failures<\/li><li>Brand customisation: custom colours and logo uploads on checkout pages<\/li><li>Ready SDKs and APIs with no setup fee on standard plan<\/li><\/ul>\n\n\n\n<h4>Cons<\/h4>\n\n\n\n<ul><li>Annual maintenance charges apply after the first year<\/li><li>Higher fees for certain payment methods (Diners, AmEx)<\/li><li>UI and developer experience less modern than newer alternatives<\/li><li>Trustpilot reviews reflect mixed support experiences<\/li><\/ul>\n\n\n\n<p><strong>Pricing:<\/strong><a href=\"https:\/\/dashboard.ccavenue.com\/web\/genregistration.do?command=navigateSchemeForm\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"> See CCAvenue&#8217;s plan details<\/a> \u2014 Verify current rates directly with CCAvenue.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"BillDesk\"><\/span>BillDesk<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"2872\" height=\"1212\" src=\"https:\/\/decentro.tech\/blog\/wp-content\/uploads\/Screenshot-2026-06-17-at-12.39.34\u202fPM.png\" alt=\"BillDesk website\" class=\"wp-image-9906\"\/><\/figure>\n\n\n\n<p><strong>Category: Enterprise B2B | Recurring Bill Payments<\/strong><\/p>\n\n\n\n<p><strong>HQ:<\/strong> Mumbai, India | <strong>Founded:<\/strong> 2000 (now part of PayU \/ Prosus) <\/p>\n\n\n\n<p><a href=\"https:\/\/www.billdesk.com\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">BillDesk<\/a> is India&#8217;s original bill payment infrastructure company, founded in 2000. Now a subsidiary of PayU, it operates as critical backend infrastructure for utility companies, telecom providers, insurance firms, and financial institutions. If you are an enterprise deploying high-volume recurring bill collection, BillDesk is the incumbent.<\/p>\n\n\n\n<p>BillDesk was among the first cohort of companies to receive the RBI PA-CB license, which it secured in late 2024.<\/p>\n\n\n\n<h4>Top Features<\/h4>\n\n\n\n<ul><li>High-volume recurring bill payment infrastructure<\/li><li>Direct issuer bank integrations for higher payment success rates<\/li><li>Automated refund processing<\/li><li>Seamless integration for one-time and recurring transactions<\/li><li>BBPS (Bharat Bill Payment System) compliance<\/li><li>Custom enterprise pricing with dedicated account management<\/li><\/ul>\n\n\n\n<h4>Pros<\/h4>\n\n\n\n<ul><li>The most trusted name in India&#8217;s bill payment infrastructure<\/li><li>Extremely high transaction reliability for recurring payments<\/li><li>Deep bank integration relationships built over 25 years<\/li><li>Strong compliance and regulatory track record<\/li><li>Suitable for government and regulated-sector deployments<\/li><\/ul>\n\n\n\n<h4>Cons<\/h4>\n\n\n\n<ul><li>Not suited for startups or SMEs \u2014 primarily an enterprise sales motion<\/li><li>No self-serve onboarding; requires a direct sales engagement<\/li><li>The checkout experience is functional, not modern<\/li><li>Less developer-friendly compared to API-first alternatives<\/li><\/ul>\n\n\n\n<p><strong>Pricing:<\/strong> Custom enterprise pricing. Contact BillDesk directly for rates.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Paytm_Payment_Gateway\"><\/span>Paytm Payment Gateway<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"2852\" height=\"1326\" src=\"https:\/\/decentro.tech\/blog\/wp-content\/uploads\/Screenshot-2026-06-17-at-12.43.24\u202fPM.png\" alt=\"Paytm Payment Gateway website\" class=\"wp-image-9907\"\/><\/figure>\n\n\n\n<p><strong>Category: Full-Stack Gateway | Wallet + UPI Ecosystem<\/strong><\/p>\n\n\n\n<p><strong>HQ:<\/strong> Noida, India | <strong>Founded:<\/strong> 2010 (One97 Communications)&nbsp;<\/p>\n\n\n\n<p><a href=\"https:\/\/business.paytm.com\/payment-gateway\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Paytm Payment Gateway<\/a> leverages one of India&#8217;s largest digital wallet ecosystems and a deep UPI presence to deliver competitive checkout experiences for merchants. Setup takes under 30 minutes, and the T+1 settlement cycle is faster than the standard T+2 most gateways offer.<\/p>\n\n\n\n<p>Despite the regulatory challenges around Paytm Payments Bank in 2024, the payment gateway business continues to operate independently and remains a viable option, particularly for merchants whose customer base overlaps heavily with the Paytm wallet and Paytm Postpaid user base.<\/p>\n\n\n\n<h4>Top Features<\/h4>\n\n\n\n<ul><li>100+ payment options: UPI, wallets, cards, net banking, Postpaid, no-cost EMI<\/li><li>International payments across multiple currencies, settled in INR<\/li><li>Quick checkout via saved credentials and direct UPI<\/li><li>PCI-DSS compliant with end-to-end encryption and tokenisation<\/li><li>Real-time analytics dashboard across all payment methods<\/li><\/ul>\n\n\n\n<h4>Pros<\/h4>\n\n\n\n<ul><li>No setup or maintenance fees<\/li><li>T+1 settlement \u2014 faster than most standard gateways<\/li><li>Strong integration with Paytm&#8217;s own wallet and BNPL user base<\/li><li>Quick fully-online onboarding<\/li><\/ul>\n\n\n\n<h4>Cons<\/h4>\n\n\n\n<ul><li>Regulatory uncertainty around the Paytm brand post-2024 \u2014 worth monitoring ongoing developments<\/li><li>API stability less consistent than Razorpay or Cashfree per developer feedback in 2025\u201326<\/li><li>Support is generalised rather than personalised for specific use cases<\/li><\/ul>\n\n\n\n<p><strong>Pricing:<\/strong><a href=\"https:\/\/www.paytmpayments.com\/pricing\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"> See Paytm&#8217;s pricing page<\/a> \u2014 SMB transactions (standard): 1.99% + 18% GST; Diners, AmEx, international: 2.99% + GST. Always verify current rates directly, as these are subject to change.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Juspay\"><\/span>Juspay<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"2878\" height=\"1298\" src=\"https:\/\/decentro.tech\/blog\/wp-content\/uploads\/Screenshot-2026-06-17-at-12.44.09\u202fPM.png\" alt=\"Juspay website\" class=\"wp-image-9908\"\/><\/figure>\n\n\n\n<p><strong>Category: Payment Orchestration | Checkout Optimisation<\/strong><\/p>\n\n\n\n<p><strong>HQ:<\/strong> Bengaluru, India | <strong>Founded:<\/strong> 2012<\/p>\n\n\n\n<p><a href=\"https:\/\/juspay.io\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Juspay<\/a> is not a traditional payment gateway \u2014 it is a <strong>payment orchestration and optimisation platform<\/strong>. It powers the checkout infrastructure for many of India&#8217;s largest consumer apps and financial institutions. Its <strong>HyperCheckout<\/strong> product improves payment success rates by intelligently routing transactions across multiple acquirers and payment rails.<\/p>\n\n\n\n<p>Juspay is best suited for large platforms and enterprises that already have transaction volume and want to maximise checkout conversion \u2014 not for businesses just getting started.<\/p>\n\n\n\n<h4>Top Features<\/h4>\n\n\n\n<ul><li>Payment orchestration across <strong>300+ payment methods<\/strong> in 50+ countries<\/li><li>HyperCheckout: conversion-optimised, pixel-perfect checkout UI<\/li><li>Network tokenisation for improved card payment success rates<\/li><li>Fraud and risk management<\/li><li>End-to-end reconciliation<\/li><li>Open-source orchestration layer<\/li><li>Global payouts infrastructure<\/li><li>White-label payment gateway solutions for banks and large platforms<\/li><\/ul>\n\n\n\n<h4>Pros<\/h4>\n\n\n\n<ul><li>The most sophisticated payment orchestration solution built in India<\/li><li>Measurable improvement in checkout success rates at scale<\/li><li>Trusted by India&#8217;s largest consumer internet platforms<\/li><li>Open-source flexibility for engineering teams<\/li><li>Broad global payment method coverage (50+ countries, 300+ methods)<\/li><\/ul>\n\n\n\n<h4>Cons<\/h4>\n\n\n\n<ul><li>Not designed for small or mid-sized businesses \u2014 built for enterprise scale<\/li><li>Setup and integration complexity is higher than standard gateways<\/li><li>Pricing is not publicly available; requires direct enterprise engagement<\/li><\/ul>\n\n\n\n<p><strong>Pricing:<\/strong> Custom enterprise pricing. Contact Juspay directly for a quote.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Easebuzz\"><\/span>Easebuzz<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"2864\" height=\"1318\" src=\"https:\/\/decentro.tech\/blog\/wp-content\/uploads\/Screenshot-2026-06-17-at-12.44.41\u202fPM.png\" alt=\"Easebuzz website\" class=\"wp-image-9909\"\/><\/figure>\n\n\n\n<p><strong>Category: Cost-Effective SME Gateway | Ed-Tech &amp; NGOs<\/strong><\/p>\n\n\n\n<p><strong>HQ:<\/strong> Pune, India | <strong>Founded:<\/strong> 2016&nbsp;<\/p>\n\n\n\n<p><a href=\"https:\/\/easebuzz.in\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Easebuzz<\/a> has carved out a strong position as one of India&#8217;s most affordable full-service payment gateways, with an average transaction fee among the lowest in the market. It is particularly popular with education platforms, coaching institutes, NGOs, and mid-market SMEs that need multi-method payment collection without the overhead of enterprise-tier platforms.<\/p>\n\n\n\n<p>Easebuzz received both its PA and PA-CB licenses from the RBI, making it a compliant choice for businesses that also have cross-border payment needs.<\/p>\n\n\n\n<h4>Top Features<\/h4>\n\n\n\n<ul><li>Cards, UPI, net banking, wallets, EMI, BNPL<\/li><li>Payment links, smart pages, and embeddable checkout<\/li><li>Subscription and recurring billing<\/li><li>Data insights and analytics dashboard<\/li><li>Zero setup and joining fees<\/li><\/ul>\n\n\n\n<h4>Pros<\/h4>\n\n\n\n<ul><li>Among the most competitive pricing of any full-service Indian gateway<\/li><li>PCI-DSS Level 1 compliant<\/li><li>High payment success rates<\/li><li>Zero joining fees \u2014 simple to get started<\/li><li>Well-suited to ed-tech, coaching, NGOs, and subscription businesses<\/li><\/ul>\n\n\n\n<h4>Cons<\/h4>\n\n\n\n<ul><li>Smaller developer ecosystem and fewer third-party platform integrations compared to Razorpay or Cashfree<\/li><li>International payment capabilities are limited in depth<\/li><li>Documentation and developer tooling less polished than the larger gateways<\/li><li>Smaller support team relative to larger competitors<\/li><\/ul>\n\n\n\n<p><strong>Pricing:<\/strong><a href=\"https:\/\/easebuzz.in\/pricing\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"> See Easebuzz pricing<\/a> \u2014 zero setup fee; approximately 1.5% average per transaction. Custom pricing available for enterprise volumes.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"PhonePe_for_Business\"><\/span>PhonePe for Business<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"2852\" height=\"1306\" src=\"https:\/\/decentro.tech\/blog\/wp-content\/uploads\/Screenshot-2026-06-17-at-12.45.22\u202fPM.png\" alt=\"PhonePe for Business website\" class=\"wp-image-9910\"\/><\/figure>\n\n\n\n<p><strong>Category: UPI-First Gateway | Consumer &amp; Retail<\/strong><\/p>\n\n\n\n<p><strong>HQ:<\/strong> Bengaluru, India | <strong>Founded:<\/strong> 2015 | <strong>Parent:<\/strong> Walmart \/ Flipkart<\/p>\n\n\n\n<p><a href=\"https:\/\/business.phonepe.com\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">PhonePe for Business<\/a> is the merchant-facing product from one of India&#8217;s three dominant UPI apps. With a claimed 99% UPI success rate and one of the widest merchant networks in the country, PhonePe&#8217;s gateway is valuable for businesses where UPI accounts for the bulk of transactions \u2014 food delivery, FMCG, hyperlocal retail, and quick commerce.<\/p>\n\n\n\n<h4>Top Features<\/h4>\n\n\n\n<ul><li>Deep UPI infrastructure with high success rates<\/li><li>Sound Box, QR, and POS payment solutions for offline merchants<\/li><li>UPI promotional pricing (0% MDR in qualifying cases)<\/li><li>Fast merchant onboarding for small businesses<\/li><li>Real-time payment confirmations and dashboards<\/li><\/ul>\n\n\n\n<h4>Pros<\/h4>\n\n\n\n<ul><li>Among the highest UPI acceptance and success rates in the market<\/li><li>Widest offline merchant QR and Sound Box coverage in India<\/li><li>Strong for businesses unifying offline + online UPI payments<\/li><li>Zero MDR on UPI under promotional terms<\/li><\/ul>\n\n\n\n<h4>Cons<\/h4>\n\n\n\n<ul><li>No meaningful international payment support<\/li><li>Not a full-stack gateway for card-heavy or cross-border businesses<\/li><li>Developer documentation for custom integrations is thinner than Razorpay or Cashfree<\/li><li>Best suited to UPI-dominant use cases \u2014 not a general-purpose gateway replacement<\/li><\/ul>\n\n\n\n<p><strong>Pricing:<\/strong> Enterprise pricing available on request.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Instamojo\"><\/span>Instamojo<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"2862\" height=\"1314\" src=\"https:\/\/decentro.tech\/blog\/wp-content\/uploads\/Screenshot-2026-06-17-at-12.46.12\u202fPM.png\" alt=\"Instamojo website\" class=\"wp-image-9911\"\/><\/figure>\n\n\n\n<p><strong>Category: No-Code Payments | Freelancers &amp; Solo Sellers<\/strong><\/p>\n\n\n\n<p><strong>HQ:<\/strong> Bengaluru, India | <strong>Founded:<\/strong> 2012<\/p>\n\n\n\n<p><a href=\"https:\/\/www.instamojo.com\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Instamojo<\/a> is India&#8217;s go-to payment solution for freelancers, creators, and solo business owners who need to accept payments without any technical setup. With over a million merchants, it lets anyone create a payment link, build a basic online store, and start collecting payments in minutes using only an email address.<\/p>\n\n\n\n<p>It is not designed to replace Razorpay for a high-growth startup \u2014 but for independent professionals who need a frictionless entry into digital payments, it remains one of the most accessible options in India.<\/p>\n\n\n\n<h4>Top Features<\/h4>\n\n\n\n<ul><li>Payment links, smart pages, and embedded checkout buttons (no website required)<\/li><li>Built-in online store builder \u2014 zero coding required<\/li><li>100+ payment methods<\/li><li>GST invoice generation<\/li><li>Basic analytics and payment tracking<\/li><li>PCI-DSS compliant<\/li><\/ul>\n\n\n\n<h4>Pros<\/h4>\n\n\n\n<ul><li>Easiest onboarding of any gateway on this list \u2014 email only, live within minutes<\/li><li>Free to join with zero setup fees<\/li><li>Built-in store removes the need for a separate e-commerce platform<\/li><li>Good for digital goods, courses, consulting, and individual creators<\/li><\/ul>\n\n\n\n<h4>Cons<\/h4>\n\n\n\n<ul><li>Transaction fees are among the highest across all plans (2%\u20135% + \u20b93 per transaction)<\/li><li>International payments are limited and require special KYC approval<\/li><li>No multi-currency support<\/li><li>Not suitable for high-volume or enterprise use cases<\/li><li>Annual plan fees are high relative to the feature set at the paid tiers<\/li><\/ul>\n\n\n\n<p><strong>Pricing:<\/strong><a href=\"https:\/\/www.instamojo.com\/pricing\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"> See Instamojo&#8217;s pricing<\/a> \u2014 Payment links from 2% + \u20b93 per transaction (free plan). Online store from free (5% + \u20b93) to \u20b914,999\/year (2% + \u20b93). Always verify current rates on the Instamojo website.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"How_to_Choose_the_Right_Razorpay_Alternative\"><\/span>How to Choose the Right Razorpay Alternative<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>No single gateway is the best for everyone. Here&#8217;s how to match your needs to the right product:<\/p>\n\n\n\n<p><strong>Building a fintech product, marketplace, or lending platform?<\/strong>&nbsp;<\/p>\n\n\n\n<p>Decentro&#8217;s modular API banking stack gives you infrastructure-layer control \u2014 collections, payouts, KYC, reconciliation, and mandates \u2014 without being locked into a consumer-facing checkout product.<\/p>\n\n\n\n<p><strong>Need the fastest possible settlements?<\/strong>&nbsp;<\/p>\n\n\n\n<p>Cashfree&#8217;s T+0 instant settlement is the market leader and meaningfully differentiates it for cash-flow-sensitive businesses.<\/p>\n\n\n\n<p><strong>Enterprise-scale utility or bill payment infrastructure?<\/strong>&nbsp;<\/p>\n\n\n\n<p>BillDesk (now part of PayU) is the proven incumbent for high-volume recurring collections in regulated sectors.<\/p>\n\n\n\n<p><strong>Widest international currency coverage?<\/strong>&nbsp;<\/p>\n\n\n\n<p>PayU (130+ currencies) leads among Indian-origin gateways. CCAvenue (27 currencies) is a practical option with multi-language checkout for businesses that don&#8217;t need the full international range.<\/p>\n\n\n\n<p><strong>Heavy UPI volume and need the highest success rates?<\/strong>&nbsp;<\/p>\n\n\n\n<p>PhonePe for Business or Juspay&#8217;s orchestration layer are purpose-built for this.<\/p>\n\n\n\n<p><strong>Cost-conscious SME, ed-tech, or NGO?<\/strong>&nbsp;<\/p>\n\n\n\n<p>Easebuzz&#8217;s pricing is the most competitive among full-service Indian gateways.<\/p>\n\n\n\n<p><strong>Freelancer or solo creator who wants zero technical setup?<\/strong>&nbsp;<\/p>\n\n\n\n<p>Instamojo requires no code, no website, and no technical background.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h1 class=\"alignfull has-text-align-center\"><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h1>\n\n\n\n<p><strong>Q: What is the best alternative to Razorpay in India for 2026?<\/strong><\/p>\n\n\n\n<p>There is no single best alternative \u2014 it depends on your use case. For API-first fintech and UPI infrastructure, Decentro is a strong choice. For instant settlements, Cashfree stands out. For enterprise bill payments, BillDesk is the incumbent. For the widest international coverage, PayU leads.<\/p>\n\n\n\n<p><strong>Q: Which payment gateway has the lowest transaction fees in India?<\/strong><\/p>\n\n\n\n<p>Easebuzz is among the lowest at approximately 1.5% average per transaction. Cashfree also offers competitive domestic rates from around 1.95%. UPI transactions specifically are zero MDR across most gateways in India under RBI guidelines. Always verify current pricing directly on each gateway&#8217;s pricing page, as rates change.<\/p>\n\n\n\n<p><strong>Q: Does Decentro support international payments?<\/strong><\/p>\n\n\n\n<p>Yes. Decentro supports multi-currency international payments through its partnership with Unlimit (announced May 2026), enabling Indian businesses to collect payments from global customers in addition to its core domestic UPI and banking infrastructure.<\/p>\n\n\n\n<p><strong>Q: Which payment gateways in India have the RBI&#8217;s PA-CB (cross-border) license?<\/strong><\/p>\n\n\n\n<p>As of mid-2026, companies that have received the PA-CB license include Cashfree Payments (the first, July 2024), Amazon Pay India, BillDesk, Adyen, Worldline, PayGlocal, Pine Labs, Easebuzz, PayU, and Razorpay, among others. Always verify current license status on the<a href=\"https:\/\/www.rbi.org.in\/\"> RBI&#8217;s official website<\/a>.<\/p>\n\n\n\n<p><strong>Q: Can I use multiple payment gateways at the same time?<\/strong><\/p>\n\n\n\n<p>Yes. Many businesses run two or more gateways in parallel \u2014 either for redundancy (routing traffic away from a gateway during downtime) or to support different customer segments. Juspay&#8217;s orchestration layer is specifically designed to intelligently manage this kind of multi-gateway routing.<\/p>\n\n\n\n<p><strong>Q: What should I look for when switching from Razorpay to another gateway?<\/strong><\/p>\n\n\n\n<p>Key things to evaluate: supported payment methods (UPI, cards, wallets, BNPL), settlement speed, transaction fees, international payment support, API documentation quality, sandbox access, RBI compliance status (PA\/PA-CB licenses), and customer support responsiveness. For platforms and marketplaces, also check split payment and payout capabilities.<\/p>\n\n\n\n<p><strong>Q: Is Paytm Payment Gateway still reliable in 2026?<\/strong><\/p>\n\n\n\n<p>The Paytm Payment Gateway (operated by One97 Communications) continues to function independently from Paytm Payments Bank, which faced regulatory action in early 2024. The gateway business is operational, but businesses evaluating Paytm should monitor ongoing regulatory and business developments before making long-term infrastructure commitments.<\/p>\n\n\n\n<p><strong>Q: Which gateway is best for UPI collections specifically?<\/strong><\/p>\n\n\n\n<p>For pure UPI collection infrastructure with API-level control, Decentro&#8217;s<a href=\"https:\/\/decentro.tech\/products\/upi-payment-gateway\"> UPI Payment Gateway<\/a> is purpose-built for businesses that need programmatic control over UPI flows. For consumer-facing checkout with high UPI success rates, PhonePe for Business and Cashfree are strong options. Juspay&#8217;s orchestration layer is the choice for maximizing success rates across multiple acquirers at high volumes.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><em>All pricing and feature information is based on publicly available sources and official product pages as of June 2026. Transaction fees, product features, and licensing status are subject to change. Always verify current details directly with each provider before making decisions.<\/em><\/p>\n\n\n\n<p>Looking to build on Decentro&#8217;s payment infrastructure? <\/p>\n\n\n\n<p><a class=\"decentro-homepage-signup\" href=\"https:\/\/decentro.tech\/signup?\" target=\"_blank\" rel=\"noreferrer noopener\">Let&#8217;s Connect<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Not sure which payment gateway fits your business? We rank the top 10 Razorpay alternatives in 2026 by use case, pricing, UPI support, and international reach.<\/p>\n","protected":false},"author":17,"featured_media":9917,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[116],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v15.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Top 10 Razorpay Alternatives in 2026 | Compared - Decentro<\/title>\n<meta name=\"description\" content=\"Not sure which payment gateway fits your business? 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