Pricing
Plans, services and transaction pricing
A plan covers API and platform access. Transaction charges are separate and depend on the provider, payment method and volume, so this page shows both, with market references and calculators to plan with.
- Starter Free API access
- Scale ₹14,999 / year
- Enterprise Custom terms
Where a ₹10,000 card payment goes
- Gateway fee at 2.00% (market ref.)
- ₹200
- GST at 18% on the fee
- ₹36
- Net settlement
- ₹9,764
Starter
For developers, startups and businesses exploring fintech APIs
Free
API access included
- 100+ verification APIs (PAN, Aadhaar, bank and more)
- Penny-drop and penny-less verification
- Multi recharge and recharge plan fetch APIs
- Bill payment and loan-related APIs
- API documentation, sandbox and basic developer support
10 listed services are marked from Starter. See every service
Start BuildingScale
For growing businesses ready to run live payment operations
₹14,999/year
Billed per year
Everything in Starter, plus:
- 1 bank payout integration
- 1 bank payin integration
- Payment gateway integration
- UPI and payment collection
- Unified APIs and webhooks
- Basic payment routing and transaction monitoring
3 listed services are marked from Scale. See every service
Get StartedEnterprise
For fintechs, platforms and high-scale businesses
Contact Sales
Custom commercial terms
Everything in Scale, plus:
- 25+ bank integrations
- 15+ payment gateway integrations
- Loan, insurance, AePS and UPI QR APIs
- Custom integration requirements
- Dedicated onboarding and support
3 listed services are marked Enterprise. See every service
Contact SalesPlan prices cover API and platform access. Transaction and usage charges are separate on every plan and are shared during onboarding. Starter means free API access, not free transactions.
Compare plans feature by feature
| Feature / service | StarterFree | Scale₹14,999 / year | EnterpriseContact Sales |
|---|---|---|---|
| APIs and services | |||
| 100+ verification APIs (PAN, Aadhaar, bank and more) | Included | Included | Included |
| Penny-drop and penny-less verification | Included | Included | Included |
| Multi recharge APIs | Included | Included | Included |
| Recharge plan fetch API | Included | Included | Included |
| Bill payment APIs | Included | Included | Included |
| Loan-related APIs | Included | Included | Included |
| Insurance APIs | Not included | Not included | Included |
| AePS | Not included | Not included | Included |
| UPI QR | Not included | Not included | Included |
| Payment infrastructure | |||
| Bank integrations | Not included | 1 payout + 1 payin | 25+ banks |
| Payment gateway integrations | Not included | Included | 15+ gateways |
| UPI and payment collection | Not included | Included | Included |
| Unified APIs and webhooks | Not included | Included | Included |
| Basic payment routing | Not included | Included | Included |
| Transaction monitoring | Not included | Included | Included |
| Onboarding and support | |||
| API documentation and sandbox | Included | Included | Included |
| Basic developer support | Included | Included | Included |
| Dedicated onboarding and support | Not included | Not included | Included |
| Custom integration requirements | Not included | Not included | Included |
| Commercials | |||
| Plan price | Free | ₹14,999 / year | Custom terms |
| Transaction and usage charges | Separate | Separate | Separate |
How pricing is structured
Five parts, never bundled together
A plan fee covers the platform. Everything that depends on a payment is charged separately, so you can see what each part costs.
- 01Platform feesYour plan: Starter free API access, Scale ₹14,999 a year, or Enterprise custom terms. Covers API and platform access.Details
- 02Transaction feesPer payment or payout, set by method, provider, volume, risk and agreement. Shared during onboarding.Details
- 03Provider costs and GSTCharged on fees by the provider handling the transaction, with GST added as they invoice.Details
- 04SettlementPayments less fees and GST reach your account on the provider's cycle, commonly one or two banking days.Details
- 05Enterprise and customHigh volumes, several providers or banks: commercial terms agreed for your setup.Details
Included services
Every service, and the plan it sits on
A service is marked with a plan where that plan's inclusions name it. For the others, availability and plan are confirmed during onboarding, based on your business and the providers involved.
49 services and plan APIs, in 8 groups
- Payment GatewayFrom Scale
One API, every payment method
- UPI & QR / SoundboxEnterprise
Collect online, in-store, and on the go
- NACH / eNACHAt onboarding
Mandate-based recurring debit for EMIs & premiums
- Subscription PaymentsAt onboarding
Recurring billing for SaaS & membership businesses
- Collection APIFrom Scale
Build your own checkout, our API underneath
- Payment LinksAt onboarding
Get paid without a website
- Payment PagesAt onboarding
One hosted page to collect from many payers
- Refund APIAt onboarding
Process refunds without the back-and-forth
- WhatsApp PaymentsAt onboarding
Collect payment inside the chat
- One Click CheckoutAt onboarding
Fewer steps for returning customers
- Card TokenisationAt onboarding
RBI-mandated card-on-file security
- POS & Card MachinesAt onboarding
Card-present payments for every counter
- Shopify IntegrationAt onboarding
Adding a payment provider to Shopify
- WooCommerce IntegrationAt onboarding
Gateway plugins for self-hosted stores
- Magento IntegrationAt onboarding
Payment modules for Adobe Commerce
- Wix IntegrationAt onboarding
Taking payments on a builder site
- PayoutsFrom Scale
Send money to any bank account or UPI ID
- Bulk PayoutAt onboarding
Many payouts from one file or request, tracked row by row
- Vendor PaymentsAt onboarding
Pay suppliers against approved invoices, safely
- Salary PaymentsAt onboarding
Get net pay into every account on payday
- Virtual AccountsAt onboarding
One account number per customer, so transfers match
- Current AccountAt onboarding
How business current accounts work
- SettlementAt onboarding
From collected to reconciled, automatically
- Prepaid CardsAt onboarding
How prepaid card programmes work
- BBPS Bill PaymentsFrom Starter
Fetch and pay bills through Bharat BillPay
- Recharge APIFrom Starter
Prepaid mobile & DTH recharge for apps and retail networks
- FASTag Recharge & IssuanceAt onboarding
Electronic tolls for vehicles and fleets
- KYC & Identity VerificationFrom Starter
Layered identity checks for onboarding
- Bank Account VerificationFrom Starter
Confirm an account before you pay it
- Penny Drop VerificationFrom Starter
Confirm a bank account with a real ₹1 transfer
- Penny-less VerificationFrom Starter
Check bank accounts without moving money
- PAN VerificationFrom Starter
Check a PAN and the name behind it
- Aadhaar VerificationFrom Starter
Consent-driven identity checks
- KYB — Business VerificationAt onboarding
Confirm the legal entity is real, not just the person
- GST VerificationAt onboarding
Check a GSTIN’s status and legal name
- Working Capital LoansAt onboarding
Cash cycles and working capital finance
- Line of CreditAt onboarding
Draw funds only when you need them
- Corporate Credit CardsAt onboarding
Team spend, policy and control
- Escrow as a ServiceAt onboarding
Hold funds until conditions are met
- API BankingAt onboarding
Balances, statements and transfers from your systems
- Marketplace PaymentsAt onboarding
Split one payment across many sellers
- Banking-as-a-ServiceAt onboarding
Embed banking into your own product
- BC Program ManagementAt onboarding
How banking correspondent networks run
- Cross-Border PaymentsAt onboarding
Business payments into and out of India
- International Payment GatewayAt onboarding
Accept payments from global customers
- Recharge plan fetch APIFrom Starter
- Loan-related APIsFrom Starter
- Insurance APIsEnterprise
- AePSEnterprise
02 · Transaction fees
Payment and payout transaction pricing
Transaction charges vary by payment method, provider, volume, risk and business category, and the commercial agreement. These are published market references to plan with.
Indicative market reference — not a fixed LILPE transaction tariff.Final LILPE pricing depends on the selected provider, payment method, transaction profile, volume and commercial agreement.
Payment gateway: market reference Payment gateway guide
| Domestic payments Standard published rates for cards, netbanking and wallets. UPI is often priced lower; check the rate card. | 1.95%–2.00% + applicable GST |
|---|---|
| International cards Some card networks and card types are priced higher. | Around 3% + applicable GST |
| EMI and specialised instruments Card EMI, pay later, corporate and premium cards vary by provider and tenure. | Provider-specific |
| Setup and AMC Some providers publish no setup fee; others charge setup or an annual maintenance fee. | Provider-specific |
Payouts: market reference Payouts guide
| UPI Instant. Transaction limits depend on the use case and the bank. | ₹3–₹10 / transaction |
|---|---|
| IMPS Instant, 24x7. Often priced in slabs by amount. | ₹3–₹10 / transaction |
| NEFT 24x7 in half-hourly batches. | ₹2–₹5 / transaction |
| RTGS Real time, 24x7, for ₹2 lakh and above. | ₹3–₹25 / transaction |
| Enterprise and bulk High volumes and multi-bank setups. | Custom |
Figures are before GST, which providers add to their fees. Payment rails and their timing are compared in the payment rails reference.
Estimate
Estimate a payment and a payout
Both start from the market references above. Change any figure, or enter the rate you've been quoted. Estimates only, never an invoice.
Payment gateway
Fee and net settlement estimate
- Estimated gateway fee
- ₹200.00
- GST on the fee
- ₹36.00
- Estimated net settlement
- ₹9,764.00
Estimate only, not a LILPE quote or invoice. The starting rate is a market reference. Indicative market reference — not a fixed LILPE transaction tariff.
Payouts
Cost per payout estimate
- Indicative transaction fee
- ₹3.00 – ₹10.00
- GST on the fee
- ₹0.54 – ₹1.80
- Estimated total cost (payout + fee + GST)
- ₹25,003.54 – ₹25,011.80
Estimate only, not a LILPE quote or invoice. The fee range is an indicative market range for IMPS; some providers price by amount slab. Indicative market reference — not a fixed LILPE transaction tariff.
03 · 04 · Provider costs and settlement
From the payment to your account
What you pay is a plan fee plus the charges on each transaction, with GST on those charges; what reaches you is the settlement.
- 01
Plan fee
Free, ₹14,999 a year, or custom. Covers API and platform access, not transactions.
- 02
Transaction charges
Per payment or payout, set by provider, method, volume, risk and agreement. See payment links and the Collection API for how collections work.
- 03
GST on charges
Added to fees as the provider invoices them. Plan-fee tax treatment is confirmed with your agreement.
- 04
Settlement
Payments less fees and GST reach your account on the provider's cycle. See settlement; for foreign cards, the international gateway.
Pricing FAQ
Questions about plans and charges
Is the Starter plan really free?
Starter gives you free API access, API documentation, sandbox and basic developer support. It doesn't include free transactions: transaction and usage charges are separate and are shared during onboarding.
How is the Scale plan billed?
Scale is ₹14,999 per year. Transaction and usage charges are separate from the plan price.
What does Scale add to Starter?
Scale includes everything in Starter, plus 1 bank payout integration, 1 bank payin integration, payment gateway integration, UPI and payment collection, unified APIs and webhooks, and basic payment routing with transaction monitoring.
What's included in Enterprise?
Enterprise includes everything in Scale, plus 25+ bank integrations, 15+ payment gateway integrations, loan, insurance, AePS and UPI QR APIs, custom integration requirements, dedicated onboarding and support, and custom commercial terms.
Why do some services say “confirmed at onboarding”?
Plan badges appear only where a plan's confirmed inclusions name the service. For every other service, availability and the plan it sits on are confirmed during onboarding, based on your business and the providers involved.
Are the transaction rates on this page LILPE's rates?
No. They're indicative market references, published so you can plan. Final LILPE pricing depends on the selected provider, payment method, transaction profile, volume and commercial agreement, and is shared during onboarding.
Is GST charged on transaction fees?
Providers publish GST on their fees, commonly at 18%, and add it to the fee. The calculators on this page apply the rate you enter; your provider's invoice is the final word.
Are transactions included in the plan price?
No. Plan prices cover API and platform access. Transaction and usage charges are separate on every plan and are shared during onboarding.
Is there a sandbox?
Yes. API documentation and sandbox access are included in every plan.
Guides
Guides and explainers
- PaymentsPayment Gateway Charges in India: How to Read a Pricing SheetA payment gateway's headline rate is only one line of what you pay. Setup and annual fees, per-method transaction rates, international and EMI pricing, refund and chargeback fees, settlement speed, minimum commitments and GST all add up. What each line means, which ones regulation fixes, how to work out your real cost, and what to ask before you sign.Read the guide
- PaymentsMDR Explained: What Merchants Pay on UPI, Cards and RuPay, and What Changes on 15 October 2026The merchant discount rate is the fee a business pays on each digital payment. Here's how it works for UPI, debit and credit cards, why some payments have carried zero MDR since 2020, and exactly what NPCI's new UPI MDR means from 15 October 2026.Read the guide
- GuidesA Founder's Checklist for Choosing a Payment GatewayMethods, money flow, reliability, integration, reporting, support and cost: the questions to ask any payment gateway or aggregator before you sign, and how to compare the answers.Read the guide
- PaymentsInterchange++ vs Blended Pricing: How Card Processing Fees Are BuiltEvery card payment carries three layers of cost: interchange to the card issuer, scheme fees to the network, and the acquirer's margin. Blended, interchange plus and interchange plus plus pricing package those layers differently. What each model means, a worked comparison, where regulation caps interchange, how to read an IC++ statement and which model suits which business.Read the guide
05 · Enterprise and custom pricing
Need pricing for your volumes and providers?
Tell us your payment flows, monthly volumes and preferred providers, and we'll share the commercial terms that apply.