PhonePe Payment Gateway
India's trusted online payment gateway for UPI, cards, and net banking
About PhonePe Payment Gateway
PhonePe Payment Gateway (PhonePe PG) lets Indian businesses accept online payments through UPI, credit and debit cards, net banking, and wallets on websites and mobile apps. It is run by PhonePe Limited, an RBI-authorised payment aggregator, and adds payment links, dynamic QR, UPI AutoPay subscriptions, split settlements, and international card acceptance on one dashboard. Integration is through REST APIs, mobile SDKs, and plugins for Shopify, WooCommerce, and Magento.
Pros & Cons
Pros
- Zero setup and annual maintenance fees, with transaction fees currently waived under a limited-period offer
- Backed by PhonePe's UPI infrastructure, with real-time instrument health tracking to reduce failed payments
- Broad toolkit in one account: payment links, dynamic QR, UPI AutoPay, split settlements, and international cards
- Ready-made plugins for Shopify, WooCommerce, and Magento plus SDKs for web and mobile apps
- Quick onboarding; reviewers report easy bank account linking and verification
- RBI-authorised payment aggregator with PCI-DSS compliant infrastructure
Cons
- Only for businesses operating in India; settlements in INR
- The free rate is a limited-period promotion; the standard rate is 1.99% plus GST once it ends
- International acceptance currently covers Mastercard cards only (non-DCC)
- Some merchants report slow settlements and issues setting up AutoPay mandates
- Few independent merchant reviews on G2 and Capterra compared with Razorpay or Cashfree
Key Features
Multiple payment methods
Accept UPI, credit and debit cards, net banking, and wallets at a single checkout.
Real-time instrument health tracking
Monitors payment-method downtime in real time to route around failures and lift success rates.
UPI AutoPay and subscriptions
Set up recurring mandates for subscriptions, including variable amounts per billing cycle.
Payment links and payment pages
Send links over WhatsApp, SMS, or email to collect payments without a website or app.
Dynamic QR
Generate per-transaction UPI QR codes that reduce VPA entry errors and improve conversion.
International payments
Accept international Mastercard credit and debit cards (non-DCC) with BIN detection and fraud checks.
Split settlements
Divide incoming payments among multiple parties, suited to marketplaces.
Device tokenization
Store tokenized cards on the customer's device for faster repeat checkouts at no extra cost.
Developer SDKs and e-commerce plugins
REST APIs, low-code SDKs for web and mobile, and plugins for Shopify, WooCommerce, and Magento.
Centralised dashboard
Reports and statistics on transactions, settlements, and key payment metrics.
Pricing
- Currently 0% under the limited-period Super Savings Offer (T&C apply)
- Zero setup fee
- Zero annual maintenance fee
- UPI, cards, net banking, and wallets
- Payment links, Dynamic QR, UPI AutoPay
- International card payments under the same pricing
- Personalised pricing for high-volume businesses
- Priority onboarding
- Dedicated account manager
Best For
E-commerce and D2C stores
Add UPI, card, and net banking checkout to a Shopify, WooCommerce, or Magento store with an official plugin.
SaaS and subscription billing
Use UPI AutoPay and subscription mandates to collect recurring payments automatically.
Selling without a website
Collect payments from customers through payment links shared over WhatsApp, SMS, or email.
Marketplaces
Route a single payment to multiple sellers with split settlements.
Cash-on-delivery replacement
Use Pay on Delivery with dynamic QR so couriers collect digital payments at the doorstep.
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