Gateway fees belong to Razorpay/Cashfree; integration cost is the development: KYC-ready pages, checkout UX, webhooks, refunds and GST paperwork. Bands:
Bands
- Single gateway — ₹12,000–₹25,000. UPI/cards, webhooks, success/failure flows, GST invoices.
- Multi-gateway + fallback — ₹25,000–₹50,000. Smart routing and downtime fallback.
- Subscriptions/mandates — ₹20,000+. eNACH/UPI Autopay lifecycles and dunning.
- Marketplace splits — ₹40,000+. Vendor payouts and reconciliation.
Before you pay anyone
Read our setup guide — half the checklist is paperwork you do free, and gateway choice changes effective cost more than dev quotes.
FAQs
Which gateway is cheapest?
Depends on your UPI/card mix — compare effective cost on real order data, not headlines.
How long does activation take?
KYC typically 2–5 working days with proper policy pages in place.
Do you handle refunds logic?
Yes — refund APIs, partial refunds and reconciliation reports included.