http://www.payupaisa.com/ http://paytmpayments.com/ There are 3 kinds of charges that are levied when you go in for a new payment gateway A/C, namely: Set-Up fee: The set-up fee is a one-time non-refundable fee that is paid to the payment gateway provider, to open your PG account. Transaction Discount Rate % (TDR%): It is the processing charges you pay to the PG provider, per transaction. They deduct this amount from every transaction and pass on the rest of it to you. Suppose a customer pays you Rs. 100 for a product. When your TDR is 6%, they would deduct Rs. 6. And deposit Rs. 94 in your bank A/C. This TDR is always borne by you, irrespective of which payment gateway you choose. Annual Maintanance Charges (AMC): AMC is the maintenance charge for your payment gateway A/C, which is collected once a year. An important point to remember is that service tax is applicable on both TDR & AMC. When we say a FREE PayTM gateway, this is what we mean. Different Costs PayTM Payment Gateway TDR- 3% Set-Up Fee -15,000(now Zero) AMC 3,000(now Zero) We completely waive off your PayTM PG set-up fee as well as the AMC. And your TDR% is brought down to just 3% per transaction. If the above TDR rates seem high for your business, you can upgrade to a 2% TDR payment gateway for an extra Rs. 7500 one-time set-up fee.