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PhonePe

PhonePe

Indian UPI Payments

VS

Paypercut

Small and growing businesses in Europe looking for affordable, flexible online payments and a single integration to scale across markets.

Paypercut
Fees from
Free for UPI, gateway fees vary vs 0.99%–2.69%
Features

1 shared

1 unique to PhonePe · 7 unique to Paypercut
Regions

0 shared

1 unique to PhonePe · 1 unique to Paypercut
Pay methods

3 shared

2 unique to PhonePe · 8 unique to Paypercut
On settlement

PhonePe settles in Same day; Paypercut settles in 1–2 business days. Verify directly with each provider before signing.

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Show full specs
9 features · 13 payment methods · 2 regions. We don't rank these — they're here for reference.
PhonePe PhonePe
Paypercut Paypercut
Quick Facts
Fees
Standard transaction rate
Free for UPI, gateway fees vary
0.99%–2.69%
Settlement
Time to receive funds
Same day
1–2 business days
Founded
2015
2025
Headquarters
Bangalore, India
—
Sandbox / Test Mode
✓
—
Webhook Support
✓
—
Features
Paypercut leads (8 vs 2)
Instant Payout Unique
✓
—
Instant Sandbox Unique
—
✓
Low Fees
✓
✓
Marketplace Support Unique
—
✓
Mobile Payments Unique
—
✓
Multi Currency Unique
—
✓
Recurring Billing Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
Paypercut leads (11 vs 5)
Apple Pay Unique
—
✓
Blik Unique
—
✓
Bnpl Unique
—
✓
Credit Card
✓
✓
Debit Card
✓
✓
Google Pay Unique
—
✓
Maestro Unique
—
✓
Mastercard Unique
—
✓
Mobile Wallet Unique
✓
—
Payment Link Unique
—
✓
Qr Code
✓
✓
Upi Unique
✓
—
Visa Unique
—
✓
Regions
Asia Unique
✓
—
Europe Unique
—
✓

PhonePe is best when you...

Indian UPI Payments
Need Instant Payout
Not available with Paypercut
Want coverage in Asia
Paypercut doesn't cover this region
View PhonePe

Paypercut is best when you...

Small and growing businesses in Europe looking for affordable, flexible online payments and a single integration to scale across markets.
Need Instant Sandbox
Not available with PhonePe
Need Marketplace Support
Not available with PhonePe
Want coverage in Europe
PhonePe doesn't cover this region
View Paypercut

Frequently Asked Questions

What is the difference between PhonePe and Paypercut?
They share 3 payment methods and 0 regions. PhonePe adds Mobile Wallet, UPI that Paypercut does not list; Paypercut adds Apple Pay, BLIK, Buy Now Pay Later and 5 more that PhonePe does not list; PhonePe also covers Asia; Paypercut also covers Europe.
Which is cheaper, PhonePe or Paypercut?
PhonePe has published rates from Free for UPI, gateway fees vary; Paypercut has published rates from 0.99%–2.69%. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use PhonePe and Paypercut?
PhonePe lists 1 region and 5 payment methods; Paypercut lists 1 and 11. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do PhonePe and Paypercut compare on integration and settlement?
PhonePe offers a sandbox, Paypercut does not list one; PhonePe supports webhooks; PhonePe settles in Same day, Paypercut in 1–2 business days.

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