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Peneu

Pricing

Plans, services and transaction pricing

A plan covers API and platform access. Transaction charges are separate and depend on the provider, payment method and volume, so this page shows both, with market references and calculators to plan with.

  • Starter Free API access
  • Scale ₹14,999 / year
  • Enterprise Custom terms

Where a ₹10,000 card payment goes

Gateway fee at 2.00% (market ref.)
₹200
GST at 18% on the fee
₹36
Net settlement
₹9,764
Illustration at a market reference rate, not a Peneu tariff. The plan fee is separate and doesn't come out of each payment.

Starter

For developers, startups and businesses exploring fintech APIs

Free

API access included

  • 100+ verification APIs (PAN, Aadhaar, bank and more)
  • Penny-drop and penny-less verification
  • Multi recharge and recharge plan fetch APIs
  • Bill payment and loan-related APIs
  • API documentation, sandbox and basic developer support

10 listed services are marked from Starter. See every service

Start Building
Recommended

Scale

For growing businesses ready to run live payment operations

₹14,999/year

Billed per year

Everything in Starter, plus:

  • 1 bank payout integration
  • 1 bank payin integration
  • Payment gateway integration
  • UPI and payment collection
  • Unified APIs and webhooks
  • Basic payment routing and transaction monitoring

3 listed services are marked from Scale. See every service

Get Started

Enterprise

For fintechs, platforms and high-scale businesses

Contact Sales

Custom commercial terms

Everything in Scale, plus:

  • 25+ bank integrations
  • 15+ payment gateway integrations
  • Loan, insurance, AePS and UPI QR APIs
  • Custom integration requirements
  • Dedicated onboarding and support

3 listed services are marked Enterprise. See every service

Contact Sales

Plan prices cover API and platform access. Transaction and usage charges are separate on every plan and are shared during onboarding. Starter means free API access, not free transactions.

Compare plans feature by feature
Feature / serviceStarterFreeScale₹14,999 / yearEnterpriseContact Sales
APIs and services
100+ verification APIs (PAN, Aadhaar, bank and more)IncludedIncludedIncluded
Penny-drop and penny-less verificationIncludedIncludedIncluded
Multi recharge APIsIncludedIncludedIncluded
Recharge plan fetch APIIncludedIncludedIncluded
Bill payment APIsIncludedIncludedIncluded
Loan-related APIsIncludedIncludedIncluded
Insurance APIsNot includedNot includedIncluded
AePSNot includedNot includedIncluded
UPI QRNot includedNot includedIncluded
Payment infrastructure
Bank integrationsNot included1 payout + 1 payin25+ banks
Payment gateway integrationsNot includedIncluded15+ gateways
UPI and payment collectionNot includedIncludedIncluded
Unified APIs and webhooksNot includedIncludedIncluded
Basic payment routingNot includedIncludedIncluded
Transaction monitoringNot includedIncludedIncluded
Onboarding and support
API documentation and sandboxIncludedIncludedIncluded
Basic developer supportIncludedIncludedIncluded
Dedicated onboarding and supportNot includedNot includedIncluded
Custom integration requirementsNot includedNot includedIncluded
Commercials
Plan priceFree₹14,999 / yearCustom terms
Transaction and usage chargesSeparateSeparateSeparate

Included services

Every service, and the plan it sits on

A service is marked with a plan where that plan's inclusions name it. For the others, availability and plan are confirmed during onboarding, based on your business and the providers involved.

49 services and plan APIs, in 8 groups

  • Payouts

    Send money to any bank account or UPI ID

    From Scale
  • Bulk Payout

    Many payouts from one file or request, tracked row by row

    At onboarding
  • Vendor Payments

    Pay suppliers against approved invoices, safely

    At onboarding
  • Salary Payments

    Get net pay into every account on payday

    At onboarding
  • Virtual Accounts

    One account number per customer, so transfers match

    At onboarding
  • Current Account

    How business current accounts work

    At onboarding
  • Settlement

    From collected to reconciled, automatically

    At onboarding
  • Prepaid Cards

    How prepaid card programmes work

    At onboarding

  • Recharge plan fetch API
    From Starter
  • Loan-related APIs
    From Starter
  • Insurance APIs
    Enterprise
  • AePS
    Enterprise

Transaction pricing

Payment and payout transaction pricing

Transaction charges vary by payment method, provider, volume, risk and business category, and the commercial agreement. These are published market references to plan with.

Indicative market reference — not a fixed Peneu transaction tariff.Final Peneu pricing depends on the selected provider, payment method, transaction profile, volume and commercial agreement.

Payment gateway: market reference Payment gateway guide

Payment gateway market reference rates per successful transaction
Domestic payments

Standard published rates for cards, netbanking and wallets. UPI is often priced lower; check the rate card.

1.95%–2.00% + applicable GST
International cards

Some card networks and card types are priced higher.

Around 3% + applicable GST
EMI and specialised instruments

Card EMI, pay later, corporate and premium cards vary by provider and tenure.

Provider-specific
Setup and AMC

Some providers publish no setup fee; others charge setup or an annual maintenance fee.

Provider-specific

Payouts: market reference Payouts guide

Payout indicative market ranges per transaction, before GST
UPI

Instant. Transaction limits depend on the use case and the bank.

₹3–₹10 / transaction
IMPS

Instant, 24x7. Often priced in slabs by amount.

₹3–₹10 / transaction
NEFT

24x7 in half-hourly batches.

₹2–₹5 / transaction
RTGS

Real time, 24x7, for ₹2 lakh and above.

₹3–₹25 / transaction
Enterprise and bulk

High volumes and multi-bank setups.

Custom

Figures are before GST, which providers add to their fees. Payment rails and their timing are compared in the payment rails reference.

Estimate

Estimate a payment and a payout

Both start from the market references above. Change any figure, or enter the rate you've been quoted. Estimates only, never an invoice.

Payment gateway

Fee and net settlement estimate

Estimated gateway fee
₹200.00
GST on the fee
₹36.00
Estimated net settlement
₹9,764.00

Estimate only, not a Peneu quote or invoice. The starting rate is a market reference. Indicative market reference — not a fixed Peneu transaction tariff.

Payouts

Cost per payout estimate

Indicative transaction fee
₹3.00 – ₹10.00
GST on the fee
₹0.54 – ₹1.80
Estimated total cost (payout + fee + GST)
₹25,003.54 – ₹25,011.80

Estimate only, not a Peneu quote or invoice. The fee range is an indicative market range for IMPS; some providers price by amount slab. Indicative market reference — not a fixed Peneu transaction tariff.

How pricing works

Four parts, charged separately

What you pay is a plan fee plus the charges on each transaction, with GST on those charges; what reaches you is the settlement.

  1. 01

    Plan fee

    Free, ₹14,999 a year, or custom. Covers API and platform access, not transactions.

  2. 02

    Transaction charges

    Per payment or payout, set by provider, method, volume, risk and agreement. See payment links and the Collection API for how collections work.

  3. 03

    GST on charges

    Added to fees as the provider invoices them. Plan-fee tax treatment is confirmed with your agreement.

  4. 04

    Settlement

    Payments less fees and GST reach your account on the provider's cycle. See settlement; for foreign cards, the international gateway.

Pricing FAQ

Questions about plans and charges

Is the Starter plan really free?

Starter gives you free API access, API documentation, sandbox and basic developer support. It doesn't include free transactions: transaction and usage charges are separate and are shared during onboarding.

How is the Scale plan billed?

Scale is ₹14,999 per year. Transaction and usage charges are separate from the plan price.

What does Scale add to Starter?

Scale includes everything in Starter, plus 1 bank payout integration, 1 bank payin integration, payment gateway integration, UPI and payment collection, unified APIs and webhooks, and basic payment routing with transaction monitoring.

What's included in Enterprise?

Enterprise includes everything in Scale, plus 25+ bank integrations, 15+ payment gateway integrations, loan, insurance, AePS and UPI QR APIs, custom integration requirements, dedicated onboarding and support, and custom commercial terms.

Why do some services say “confirmed at onboarding”?

Plan badges appear only where a plan's confirmed inclusions name the service. For every other service, availability and the plan it sits on are confirmed during onboarding, based on your business and the providers involved.

Are the transaction rates on this page Peneu's rates?

No. They're indicative market references, published so you can plan. Final Peneu pricing depends on the selected provider, payment method, transaction profile, volume and commercial agreement, and is shared during onboarding.

Is GST charged on transaction fees?

Providers publish GST on their fees, commonly at 18%, and add it to the fee. The calculators on this page apply the rate you enter; your provider's invoice is the final word.

Are transactions included in the plan price?

No. Plan prices cover API and platform access. Transaction and usage charges are separate on every plan and are shared during onboarding.

Is there a sandbox?

Yes. API documentation and sandbox access are included in every plan.

Contact Sales

Need pricing for your volumes and providers?

Tell us your payment flows, monthly volumes and preferred providers, and we'll share the commercial terms that apply.

Contact Sales Start with Starter