Need a 0% commission upi payment gateway

I'm launching a new SAAS business and I'm stuck on choosing the right online payment gateway. I've been looking at PayU and Razorpay, but I'm open to exploring other options too!

I’m building a SaaS that needs a payment gateway. Razorpay, stripe and cashfree can’t onboard new businesses because of some RBI regulation(since December 2022). What would you guys suggest I go with? Ideally I would need a PG that can split payments.

I need a payment gateway for my website, mainly for Indian users. But most of the payment gateways are on embargo due to RBI guidelines. Does anyone know any Payment Gateway which is onboarding new business?

I'm launching a new SAAS business and I'm stuck on choosing the right online payment gateway. I've been looking at PayU and Razorpay, but I'm open to exploring other options too!

As cashfree, Paytm & Razorpay has stopped onboarding customers suggest new PG.

I've been donating to an NGO on a monthly basis. They allow us to accommodate for the gateway charges for that particular transaction. In my case its around 60rs or so for a 1500rs (thousand five hundred) amount donated. Just wanted to understand if gateway charges are this expensive. Moreover this was a UPI transaction always. Its either PayU/ Razorpay ( I don't recollect well).

- NPCI is expected to set a 1.2% interchange fee for pre-sanctioned credit lines on UPI, with a circular likely next week. - The credit line will not be available for person-to-person transfers, focusing instead on merchant transactions. - Interchange fees are crucial for covering the risk and interest for the capital deployed by credit issuers. - Negotiations are ongoing between NPCI, banks, and UPI apps regarding revenue sharing, with TPAPs like PhonePe and Google Pay likely to get 0.08% commission. - The product has faced delays due to a lack of strong business cases, but NPCI mandates may drive adoption.

I work at this company since 2+ years, day before yesterday company received an email from one of the two payment gateways that they use for catering Indian and International users for both payments as well as payouts. Now since the gateway that was catering the international users banned the company's account, all of the international transactions went to 0 quickly which was more than 90% of the total revenue, additionally they fined the company for $425,000 Now the problem for the company is: 1. The transactions completely stopped 2. A large sum of money in the account as balance is on hold by the payment gateway accounting to approximately, 1/5th of fine. 3. The fine which the payment gateway is charging, doesn't have any underlying reason as why the fine amount is so big. 4 There's absolutely no reply from the payment gateway on the email hence no way to contact directly. Now, the thing is company knew this day was possible but they had took preventive measures as well and weren't expecting this to happen anytime soon and atleast with a prior notice unlike which landed like a bomb with a brief (text only) email. So there are features called radar and chargeback protection in the payment gateway which take some percentage of your transaction to ensure if there are some fraudulent/illegal transactions they will flag those transactions and prevent the customers (our company in this case) from getting disputes from the card owner/payee, having which of no use to the company. As per the terms, a threshold percentage of your transactions need to be disputed in order to be flagged as suspicious for the payment gateway which was way less in the company's case. Although company too could have prevented this from just banning users whose payments were getting disputed by the card holders claiming they didn't authorise the purchase or either the user didn't deliver for what the payment was done by the payee. In either of the case banning that user was the ideal action.