PayU Charges in 2026: Fees by Payment Method, With Worked Examples
PayU charges 2% plus GST on domestic cards, netbanking and wallets, and 3% on EMI, Amex, Diners and foreign cards. There's no setup fee or annual charge, settlement is T+2, and the UPI rate isn't published.
In this post · 7 sections
Short answer: PayU charges 2% plus GST on domestic cards, netbanking and wallets, and 3% on EMI, Amex, Diners and foreign cards. There's no setup fee or annual charge, settlement is T+2, and the UPI rate isn't published.
Prices checked on 24 October 2026 on PayU's own pricing page. Sources are at the end.
PayU rates by payment method
| Payment method | Fee per payment | Notes |
|---|---|---|
| Debit cards | 2% | 2% for domestic cards (Visa, Mastercard). |
| Credit cards | 2% | 2% for domestic cards (Visa, Mastercard). |
| Netbanking | 2% | |
| Wallets | 2% | BNPL is also 2%. |
| EMI | 3% | |
| International cards | 3% | PayU says international card transactions fall under the 3% slab. |
| Amex | 3% | Diners is also 3%. |
- Setup fee: ₹0
- Annual maintenance: ₹0
- Settlement: T+2. Same-day and priority settlements are available for some business types and may cost extra.
- GST is charged extra. The page does not state the rate.
The Standard Plan charges 2% for domestic cards, netbanking, wallets and BNPL. EMI, Amex, Diners and international transactions cost 3%. PayU says it charges no setup, onboarding or annual fees.
The Enterprise Plan has custom pricing for high-volume businesses, with priority onboarding and a dedicated account manager. PayU says your rate can depend on payment mode, industry, risk profile, volume and the features you use. The pricing page lists no offers.
What a sale costs you
Fees below use the domestic credit card rate from the table, plus 18% GST on the fee (the standard GST rate on payment services; PayU's page doesn't state the rate). A negotiated rate may be lower.
| Order value | Fee on UPI | Fee on a card | You receive (card) |
|---|---|---|---|
| ₹499 | Not published | ₹11.78 | ₹487.22 |
| ₹1,450 | Not published | ₹34.22 | ₹1,415.78 |
| ₹5,000 | Not published | ₹118 | ₹4,882 |
UPI fees after the 2026 MDR decision
PayU does not publish a UPI rate. For merchant UPI, its page says 'Pricing varies by business type and transaction volume.' It also says person-to-person UPI has zero MDR.
The rule itself: on 15 September 2026 the government approved a 0.4% MDR on UPI payments to merchants above ₹2,000, capped at ₹300 from ₹75,000 up. Payments of ₹2,000 or less stay free, and merchants can't pass the charge to buyers. NPCI said on 13 October 2026 that it starts after Diwali, on a date still to be announced.
What PayU is set up for
PayU supports 150+ payment methods, including cards, UPI, EMI, BNPL and wallets. It also offers priority settlements, instant refunds, a token hub, subscriptions, payment links and buttons, QR and POS. High-volume businesses can get custom pricing slabs on the Enterprise Plan.
Using PayU with Selzix
PayU isn't built into Selzix checkout today. On Selzix you take payments through your own Razorpay or Stripe account, a direct UPI QR with no gateway fee, or cash on delivery. Selzix adds no fee of its own on any sale. To see when a gateway is worth it at all, read Direct UPI vs payment gateway.
Sources
- Pricing, PayU India (read 24 October 2026)
- UPI Continues to Remain Free for Peer to Peer Transactions and 96% of Merchant Transactions, Press Information Bureau, Ministry of Finance (read 24 October 2026)
- Merchant Discount Rate (MDR) on Select UPI (P2M) Transactions: FAQs (15 Sept 2026), NPCI (published on the Department of Financial Services site) (read 24 October 2026)
- UPI MDR on Select Merchant Transactions Shall be Implemented Post Diwali (13 October 2026), NPCI (read 24 October 2026)
Gateways change prices and offer custom rates to larger businesses. Check the pricing page before you sign up. Cover photo: rupixen on Unsplash.