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UPI

UPI

Indian Instant Payments

VS

Pagsmile

LATAM Cross-Border Payments

Pagsmile
Fees from
Free for users vs From 3.5% per transaction
Features

0 shared

2 unique to UPI · 1 unique to Pagsmile
Regions

0 shared

1 unique to UPI · 1 unique to Pagsmile
Pay methods

1 shared

3 unique to UPI · 6 unique to Pagsmile
On fees

UPI publishes Free for users from. Pagsmile publishes From 3.5% per transaction from. Verify directly with each provider before signing.

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Show full specs
3 features · 10 payment methods · 2 regions. We don't rank these — they're here for reference.
UPI UPI
Pagsmile Pagsmile
Quick Facts
Fees
Standard transaction rate
Free for users
From 3.5% per transaction
Settlement
Time to receive funds
Instant
2–5 business days
Founded
2016
2018
Headquarters
Mumbai, India
Hong Kong
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
UPI leads (2 vs 1)
Enterprise Unique
—
✓
Instant Payout Unique
✓
—
Low Fees Unique
✓
—
Payment Methods
Pagsmile leads (7 vs 4)
Bank Transfer
✓
✓
Boleto Unique
—
✓
Credit Card Unique
—
✓
Debit Card Unique
—
✓
Digital Wallet Unique
—
✓
Mobile Payment Unique
✓
—
Oxxo Unique
—
✓
Pix Unique
—
✓
Qr Code Unique
✓
—
Upi Unique
✓
—
Regions
Asia Unique
✓
—
Latin America Unique
—
✓

UPI is best when you...

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

Pagsmile is best when you...

LATAM Cross-Border Payments
Need Enterprise
Not available with UPI
Want coverage in Latin America
UPI doesn't cover this region
View Pagsmile

Frequently Asked Questions

What is the difference between UPI and Pagsmile?
They share 1 payment method and 0 regions. UPI adds Mobile Payment, QR Code, UPI that Pagsmile does not list; Pagsmile adds Boleto, Credit Card, Debit Card and 3 more that UPI does not list; UPI also covers Asia; Pagsmile also covers Latin America.
Which is cheaper, UPI or Pagsmile?
UPI has published rates from Free for users; Pagsmile has published rates from From 3.5% per transaction. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use UPI and Pagsmile?
UPI lists 1 region and 4 payment methods; Pagsmile lists 1 and 7. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do UPI and Pagsmile compare on integration and settlement?
both offer a sandbox; both support webhooks; UPI settles in Instant, Pagsmile in 2–5 business days.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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