Tazapay vs PayU: which is better for international payments in 2026?
- Tazapay is a gateway-first platform built for marketplaces, with cards in 173 countries, but collection-account pricing is contact-sales only with a 0.5-1% forex markup on top
- PayU is a domestic-first gateway with full RBI authorisation, but its international product is a card checkout, not a collections account — so B2B invoicing doesn't fit
- Which one is better comes down to your priorities - fees, FIRA handling, and how your clients prefer to pay
Accept payment from 150+ countries
USD
Client pays
USD 100USD 100,000
1 USD = 85.00 INR
Live fx rateYou'll receiveINR
₹4,22,091
Tazapay
₹4,13,950
You lose:2.6%
PayU
₹4,01,455
You lose:5.5%
100+ reviews
Trusted by 40,000+ businessesOver $1B processed • Licensed by RBI
Tazapay vs PayU: understanding the key differences
Both Tazapay and PayU are well-known names for international payments, but they differ in who can use them from India, fees, export documentation like FIRA, GST compliance, settlement timelines, and support. Here is how they compare side by side.| Features | Tazapay | PayU |
|---|---|---|
| Transfer fees | Not published for collection accounts — estimated 1-2% | 3% on international cards (2% domestic) |
| Forex markup | 0.5-1% (anecdotal) | 1.5-2.5% (anecdotal) |
| FIRA | $4 per FIRC, never free | Not documented publicly |
| eBRC | Not supported | Not documented |
| GST-compliant invoice | Not available | Not published |
| Settlement time | Weekly by default | T+2 standard (domestic) |
| Customer support | Email and web form only, no India desk | India-based, ticket and email |
| Best suited for | Platform collections, escrow, card coverage | Consumer checkout, recurring card billing |
Tazapay vs PayU: pricing and forex breakdown
Beyond the published fees, the real cost is what lands in your bank after fees, forex and GST. Move the slider to see what each one works out to, and how Skydo compares.With Skydo, you receive₹8,47,091
Money transferUSD 10,000
$500$10K$100K$1M
Tazapay0.5-1% markup
₹8,28,240Exchange rate84.36
Forex markup₹6,375
Transfer fee₹12,750
Fixed fee₹0
FIRA fee₹340
GST (18%)₹2,295
Total fees₹21,760
You receive₹8,28,240
PayU1.5-2.5% markup
₹8,02,910Exchange rate83.30
Forex markup₹17,000
Card fee₹25,500
Fixed fee₹0
GST (18%)₹4,590
Total fees₹47,090
You receive₹8,02,910
Tazapay vs PayU: compliance, payment rails, and platform comparison
Compliance
Payment Rails
Platform & Support
Tazapay
- FIRC costs USD 4 each, and it is never free
- No eBRC generation for Indian exporters at all
- No documented GST-compliant invoicing anywhere on site
- Purpose code handling is not documented publicly
- No RBI PA-CB licence at all, only the RDA route
PayU
- FIRA handling is not documented publicly at all
- No eBRC generation documented for exporters
- No documented GST-compliant sales invoicing
- Purpose code handling is not documented publicly
- Card checkout only, and no bank transfer collections
Tazapay vs PayU: which one is right for you
There is no single winner. The right pick depends on who pays you, how large your invoices are, and how much paperwork you can handle.01Tazapay
Choose Tazapay if:
You want Tazapay's emerging-market coverage and can absorb a percentage fee.- Marketplace or platform collecting for merchants
- Ed-tech or travel business billing many countries
- Exporter needing escrow or buyer protection
- Business that values card coverage over the lowest fee
02PayU
Choose PayU if:
You want PayU's domestic reach and can absorb 3% plus a 1.5 to 2.5% forex markup on top.- Consumer e-commerce brand selling to buyers overseas
- Ed-tech or SaaS business billing global customers by card
- Business already running PayU for domestic payments
- Seller who needs recurring card billing
Skydo: a better alternative to Tazapay and PayU
| Features | Tazapay | PayU | |
|---|---|---|---|
| Settlement time | Weekly by default | T+2 (domestic) | 24 hours |
| Forex markup | 0.5-1% (anecdotal) | 1.5-2.5% (anecdotal) | Zero, live rate |
| Transaction fee | Est. 1-2%, contact sales | 3% intl cards | $19 up to $2k, $29 up to $10k, 0.3% aboveBest |
| FIRA | $4 per FIRC | Not documented | Free, instant, per payment |
| eBRC and EDPMS | Not supported | Not documented | One-click eBRC, EDPMS closure assistance |
| GST invoicing | Not available | Not published | Built in, GST compliant |
| Customer support | Email/web form only | India-based tickets | India-based, on WhatsApp, call and email |
| Payment tracking | Dashboard reports | Dashboard reports | Auto tracked, remittance to bank deposit |
| RBI authorisation | No PA-CB (RDA route) | Full PA aggregation (2025) | Full PA-CB authorized |
Losing money on each transfer but not sure how much?
See what our clients say about us
100+ reviews
Trusted by 40,000+ businesses
“I'm looking for straightforward, transparent pricing. With most payment providers, it's hard to understand the actual fees and exchange rates, making it difficult to know what I'm really paying.”ShashankCEO, HCODE
Frequently asked questions
Which is better, Tazapay or PayU, for international payments in 2026?+−
It comes down to how your clients pay you and how much compliance you want handled. Tazapay is a gateway-first platform with cards in 173 countries and escrow built in, but collection-account pricing is contact-sales only and every FIRC costs $4. PayU is a domestic-first gateway with full RBI authorisation, but its international product is a card checkout, not a collections account — B2B invoicing does not fit. Tazapay suits platform and marketplace collections, while PayU suits consumer checkout and recurring card billing.
Is Tazapay cheaper than PayU?+−
Usually yes. Tazapay does not publish collection-account pricing — estimates put it at 1 to 2% plus a 0.5 to 1% forex markup and a $4 FIRC, roughly 2 to 3% all in. PayU lists 3% for international cards, with an anecdotal 1.5 to 2.5% forex markup on top, landing near 5% all in. Tazapay is generally cheaper, though what actually lands in your bank depends on invoice size.
Which provides better exchange rates, Tazapay or PayU?+−
Tazapay. Tazapay carries an anecdotal 0.5 to 1% forex markup — confirm with them before onboarding, while PayU carries an anecdotal 1.5 to 2.5% forex markup on top of the card MDR.
Do Tazapay and PayU provide FIRA for Indian exporters?+−
Tazapay charges USD 4 for every FIRC issued in India. PayU does not document FIRA provision publicly for exporters. For GST refunds and export compliance an instant per-payment FIRA matters — Skydo issues one free with every payment.
Are Tazapay and PayU RBI-approved for receiving payments in India?+−
Tazapay holds no PA-CB licence — it operates via Tazapay Canada Corp under the RBI Rupee Drawing Arrangement. PayU holds full RBI authorisation across online, offline and cross-border payment aggregation (2025).
Is Tazapay or PayU better for freelancers or businesses?+−
Marketplaces and platforms that need card coverage across emerging markets lean towards Tazapay. Consumer e-commerce brands selling to overseas buyers at checkout lean towards PayU.
Is there a better alternative to Tazapay and PayU for receiving money in India?+−
Skydo is built for Indian exporters and freelancers. It charges a flat fee ($19 up to $2k, $29 up to $10k, 0.3% above) that works out cheaper than a percentage fee as invoices grow, with zero forex markup, instant FIRA on every payment, one-click eBRC and EDPMS closure assistance, built-in GST-compliant invoicing, full RBI PA-CB authorisation, and India-based support.
Ready to save more on international payments?
Start receiving global payments with Skydo and keep more of what you earn.Bengaluru, Karnataka
Second Floor, Indiqube Serenity, Phase 2, 31, Hosur Rd,near Vishal Megamart, Muneswara Nagar, Sector 6, HSR Layout,Bengaluru, Karnataka, 560068
Compare
Company
Compare
Copyright © 2026 Skydo Technologies Private Limited