Cashfree charges roughly 2% and requires full KYC before you go live. The UroPay API charges more (5% + ₹5 with KYC, 10% + ₹5 without) but trades price for a non-KYC start and manual review on restricted categories. Here's the honest math.
Cashfree charges 1.95% (or 0% under a current offer) but requires full KYC before you go live. The UroPay API costs more but makes KYC optional. Here's the real cost comparison, worked example included.
High-risk and restricted-category businesses often get rejected or stuck in review at mainstream gateways. Here's how the UroPay API's KYC-tiered pricing and manual founder review actually work, and what it still won't onboard.
August 24, 2026
15 min read