PayU Integration Cost in India (2026)

Enterprise accounts involve documentation, underwriting and configuration on the PayU side: payment methods enabled, settlement cycle, descriptor on the customer's statement, and sometimes a separate production credential set per environment.

We coordinate that process, prepare the technical documents the account team asks for, and test in sandbox while approval runs, so launch does not wait on paperwork that could have started earlier.

Accepting international cards means a currency decision, a pricing decision and a settlement decision. The integration has to send the right currency and amount, display a clear conversion to the customer, and record what was actually settled.

Refunds across currencies are the part that surprises finance teams: the refunded amount and the settled amount rarely match once conversion is involved, so the ledger needs both figures.

Buy-now-pay-later and EMI flows introduce a financing decision before payment. The order can be approved, declined or partially approved, and each outcome has a different next step in the application.

Those states have to be visible to support, because the customer's question is about their EMI, not about the gateway.

The same discipline as any gateway: verify the signature before parsing, record the event identity, and make a repeat delivery harmless. PayU's event names differ from other providers, so a port from another gateway needs the mapping checked line by line.

Enterprise accounts often settle on a negotiated cycle, which makes the reconciliation report more important, not less. Fees, taxes, refunds and chargebacks all appear as separate lines.

We build the import and match, and leave the accounting entries to your finance team with the data they need.

A single-currency checkout takes one to two weeks. Multi-currency with settlement reporting takes three to four. An enterprise migration with stored mandates and ERP integration runs five to eight weeks, with onboarding as the usual source of delay.

PayU's transaction pricing, settlement fees, chargeback fees, GST and any account-level charges are billed by PayU. We do not resell them and do not quote their rates, because they are negotiated and change.

Send the currencies you need, whether EMI or BNPL is required, which systems must receive settlement data, and whether an existing gateway is being replaced. The last one decides whether stored mandates need migrating.

Read next: payment gateway integration for the delivery scope, or the gateway comparison if PayU is still one option among several.