Cashfree Payment Gateway in India: Solution for Businesses

Cashfree gateway is one of India‘s most convenient transaction solution that is being actively used in the e-commerce market in 2025. This startup entered the market in 2015 to process international transactions. This product quickly gained the trust of users unlike other payment gateways. Today, it processes transactions worth over billions of rupees a year and serves over 3 million merchants. Such a product is especially in demand in times of the popularity of online shopping. Continue reading this article to learn more about the key features and benefits Cashfree offers for entrepreneurs, including rates, functionality, and online customer support with chat or email.

Honest Cashfree Payment Gateway Review

Nowadays, e-commerce is one of the popular directions in the Internet, as the news states. This trend has been on the rise since the 2020 pandemic. Therefore, reliable transaction fulfillment solutions are now more in demand than ever. Cashfree Payment gateway review shows there is a proven solution in India. It is an innovative way to fulfill transactions with a rich history of creation.

It all started when two entrepreneurs — Akash Sinha and Reeju Dutta decided to create a new gateway in 2015. However, this project quickly and easily evolved to meet the needs of domestic business. Already in 2016, the creators decided to change their development strategy. They decided to transform the platform into a transaction fulfillment tool for businesses. This decision brought them huge popularity and determined the further success of the company.

Today, it is a robust solution for local businesses, which serves more than 3 million active sellers. This makes the solution one of the most popular in the market. The company now processes sales totaling over billions of  rupees annually, which demonstrates a high level of trust from businesses and consumers.

The company pays special attention to tariff optimization, offering some of the lowest transaction processing fees in India. This feature, along with a high level of security, makes the platform one of the best choices for both small businesses and large corporations. The platform offers a complete solution for businesses of all sizes. With maintenance for over 120 methods and the ability to transact in over 30 currencies. Thus, the platform provides maximum flexibility for foreign transactions.

Transaction security is a top priority for the company. The platform uses advanced encryption technologies and complies with all modern transactions security standards. This protects both sellers and buyers from possible risks in online transactions.

The Main Features of Cashfree Payment Gateway

Cashfree Payment gateway has gained significant popularity in the market due to its features and functions. This platform offers a complete solution that meets all the requirements of businesses and consumers. Let’s take a closer look at the main features of the platform that make it one of the market leaders.

Easy-to-Use Interface

The developers paid special attention to the appearance of the platform. It is designed with the needs of both sellers and buyers in mind. You will find easy access to all the necessary tools, including analytics, customization of transaction methods and transaction management. This allows you to simplify the fee process with a minimum number of actions for customers.

Versatile Payment Options

Cashfree Payment means support for more than 120 different payment options that are popular all across the world. Among them are:

• Credit and debit cards (Visa, Mastercard, RuPay);
• UPI transactions via BHIM, Google Pay;
• E-wallets (Paytm, PayPal and others);
• Internet banking (over 65 Indian banks);
• Installment options (EMI) and Buy Now Pay Later.

This wide range of modern transaction methods allows the business to cater to the preferences of any customer. 

International Financial Service Support

For international transactions, the platform offers a comprehensive solution with support for more than 30 currencies. Merchants can accept payments from customers around the world via popular systems, including international cards from leading brands. A built-in currency conversion system automatically processes all transactions, ensuring maximum transparency for all parties experienced in the transaction.

Subscription Payment Management

Cashfree’s automated recurring transaction system provides a comprehensive solution for businesses operating on a subscription model. Support for a variety of automatic debit methods, including bank cards and UPI AutoPay, gives businesses the flexibility to customize fee frequency and amount.

Cashfree Settlement Time Framework

The efficiency of business processes largely depends on the speed of receiving funds after transactions. Cashfree’s settlement time offers flexible settlement options adapted to different business needs. On average it is a day of transaction + 2 days.

Cashfree Payment Gateway Charges in India

Cashfree payment gateway charges are the main advantage of the platform. This is because the company pursues transparent pricing and the lowest gateway charges in the market. For home transactions, there is a base commission of 1.90%, which applies to most popular transactions methods, including Visa, MasterCard, Maestro, ICICI bank, Bank Holiday, and digital wallets such as AmazonPay, Airtel Money, OlaMoney, Jio Money, Phonepe and bank transfers through over 70 partner banks.

If we talk about the two most popular platforms in India, such as UPI and RuPay, fees are extended without commission, making them an attractive choice for the Indian market. On a separate note, there are flexible options for those who prefer to pay in installments. Such methods are available with different rates, namely from 1.5% for HDFC bank EMI debit cards to 2.5% with additionally TDR for EMI credit cards of leading banks.

International transactions are a more complex type of transaction, hence payment gateway charges in India are 3.5% + fee of Rs 7 lakh for Visa and Mastercard transactions. For payments through Diners Club and American Express there is a special rate of 2.95%. Despite the higher rates for international payments, these fees are still among the most favorable in the market. 

One of the main advantages for businesses is the absence of connection Cashfree Payment gateway pricing and hidden commissions. The basic functionality of the platform is available for free, which is especially attractive for startups. For larger businesses, there is advanced functionality that includes priority support, expedited dispute resolution, and a dedicated relationship manager. This premium package will cost a business Rs. 4,999 per year. Such Cashfree pricing allows you to accurately plan your processing costs and choose the most efficient accepting payments methods for your target audience.

The Main Advantages of Using Cashfree 

Choosing a payment gateway is an important decision for any business. So let’s take a closer look at the main benefits and features of Cashfree that make it one of the best in the e-commerce market.

Free Account Setup

Cash Free Payment system can be activated without any initial setup fees. This allows even small businesses to offer modern transactions methods for customers to pay seamlessly. Instead of being distracted by the initial costs of integrating a solution, start-up companies can focus on growth. There is also a customer support, who is ready to help you with any issue. If they need an expanded package of options later on, they can activate the premium package.

Affordable Processing Pricing

Cashfree payment gateway pricing is considered one of the lowest in the Indian market. This is especially true for UPI transactions, which are processed free of charge. This reduces the financial waste of the business and enables it to offer more attractive prices to end consumers. Due to flexibility, the tariff system can be easily adapted to different transaction volumes. It is worth noting that individual tariff plans with extra discounts are available for large companies.

Advanced Security Protocols

Security is the main aspect while making purchases online. The platform includes an advanced fraud monitoring and prevention system that analyzes every transaction in real time. All transactions are protected by state-of-the-art protocols, and customers’ personal data is stored encrypted using advanced cryptography techniques. This provides a high level of protection for both sellers and buyers, minimizing the risks of financial losses and increasing trust in the platform.

How to Do Cashfree Payment Gateway Integration

Cashfree payment gateway integration is a simple process that requests a few steps. It is an important stage in the development of online business, which can be further optimized with the help of Paykassma payment service. Let’s consider the step-by-step instructions for payment gateway integration:

1. Create an account. Go to the official website of the platform using your browser and create a business account on the main page. To do this, provide basic information about the company and contact details.
2. Upload all the necessary documents. Provide all the company registration details, and support bank account details and documents that prove the identity of the owner.
3. Complete the verification process. Wait up from several minutes to 48 hours for the Cashfree payments team to verify the authenticity of the documents provided and confirm successful verification.
4. Get access to the test environment. After verification, the team will provide access to a test environment where you can securely test all payment gateway features without risking real transactions.
5. Perform the integration. Choose an integration method, e.g. via ready-made plugins, API or using Paykassma service, which greatly simplifies the connection process.
6. Set the settings. Configure payment gateway settings, as well as select methods and security configuration. 
7. Perform a test transaction. Make a payment to check the correctness of all settings, and then switch to the production mode.

If you have any difficulties during integration, then it is time to contact the support team. They will help you solve any issue. If you plan to work with several transaction systems at once, then use Paykassma as an intermediary. With its help you can simplify the process of integration and subsequent management. After it, you will be able to enjoy a modern solution that processes transactions in compliance with all security and reliability requirements.

Conclusion

Cashfree is a modern and reliable payment solution that is especially relevant for the Indian online business market. No connection fees, some of the lowest commissions on the market and support for over 120 methods make this platform affordable and attractive for companies of all sizes. The processing of international transactions in more than 30 currencies and advanced security systems deserve special attention. Developed technical infrastructure, detailed Cashfree Payment gateway documentation, easy integration through the merchant dashboard and high-quality customer support create all conditions for a quick start and effective work with the platform. If you are looking for a reliable solution that can scale with your business, then Cashfree definitely deserves your attention.