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Payu vs Toss Payments: Which Payment Gateways Is Better in 2026?

Compare pricing, features, integrations, verified reviews, AI capabilities, security, and customer satisfaction, side by side, with no marketing spin.

Payu
Payu
Rating
,
Reviews
0
From
Custom
Toss Payments
Toss Payments
Leads 4/9
Rating
,
Reviews
0
From
Custom

in Payment Gateways

Jump to scorecard Ask SIA

The Short Answer

Payu vs Toss Payments, in 15 seconds

Choose Payu if…

  • You need the broader feature set

Choose Toss Payments if…

  • You want to trial before paying
  • You depend on a broad integration ecosystem
  • You have strict security & compliance needs

Head-to-Head Scorecard

How Payu and Toss Payments score

Toss Payments leads on 4 of 9 measured dimensions.

  • Customer Rating

    Average score from verified user reviews

    Even
    Payu
    No reviews
    Toss
    No reviews

  • Review Volume

    Number of verified reviews, a proxy for adoption

    Even
    Payu
    0
    Toss
    0

  • Entry Pricing

    Lowest published starting price (free plan = lowest)

    Even
    Payu
    Custom
    Toss
    Custom

  • Free Access

    Availability of a free plan and/or free trial

    Toss Payments
    Payu
    Paid only
    Toss
    Free trial

  • Integrations

    Number of listed third-party integrations

    Toss Payments
    Payu
    0
    Toss
    6

  • Features

    Number of listed product capabilities

    Payu
    Payu
    6
    Toss
    0

  • AI Features

    Capabilities mentioning AI, automation or ML

    Even
    Payu
    ,
    Toss
    ,

  • Security & Compliance

    Number of listed compliance certifications

    Toss Payments
    Payu
    ,
    Toss
    2

  • Platforms & Deployment

    Supported platforms and deployment options

    Toss Payments
    Payu
    3
    Toss
    4

Feature Comparison

Payu vs Toss Payments feature breakdown

Search or filter the full feature matrix, core features, AI, integrations, APIs, security and compliance.

Payu
Toss Payments
Overview
User rating
,
,
Pricing model
USAGE_BASED
Quote-based
Starting price
Custom
Custom
Free version
Free trial
Features
Key capabilities
Payment gatewayCards & wallets & local methodsFraud protectionPayoutsRecurring paymentsDeveloper APIs
,
AI features
,
,
Integrations & API
Integrations
,
Microsoft 365Google WorkspaceKakaoTalkNaverSalesforceREST APIs
Public API
Platforms
Deployment
CloudWeb
CloudSaaS
Platforms
Web
WebAPI
Mobile support
Security & Compliance
Compliance
,
SOC 2GDPR
Vendor
Company
,
,
Verified
Founded
,
2020
Headquarters
,
Seoul, South Korea

Pricing Comparison

Payu vs Toss Payments pricing

Entry pricing, plan tiers and the cost factors that shape total cost of ownership.

Payu

Custom to start
Transaction-basedFree
  • Payment acceptance
  • Multiple methods
  • Fraud protection
  • Payouts

Toss Payments

Custom to start
ProfessionalCustom
  • bank transfers
  • card and easy pay
  • Integrations
  • Standard support
EnterpriseCustom
  • Advanced security and controls
  • developer APIs
  • Dedicated support and onboarding
  • Everything in Professional

Total cost of ownership factors

Free planPayu Toss
Free trial to evaluatePayu Toss
Transparent published pricingPayu Toss
Public API (build vs. buy add-ons)Payu Toss

Beyond list price, factor in implementation, training, add-ons and per-seat scaling when estimating total cost of ownership.

Pros & Cons

Payu vs Toss Payments: strengths and trade-offs

Payu

Pros

  • Public API available

Cons

  • No free plan
  • No free trial
  • Pricing is quote-based (less transparent)
  • Fewer native integrations than the alternative
  • No compliance certifications listed

Toss Payments

Pros

  • Free trial offered
  • Broad integration ecosystem (6)
  • Compliance: SOC 2, GDPR
  • Public API available

Cons

  • No free plan
  • Pricing is quote-based (less transparent)

Buyer Fit

Who should use Payu vs Toss Payments?

Startups

Either

Either keeps early-stage costs lowest with its entry tier.

Small businesses

Either

Either offers the most accessible pricing for lean teams.

Agencies

Toss Payments

Toss Payments connects to more tools for multi-client workflows.

Enterprises

Toss Payments

Toss Payments leads on compliance and breadth for complex needs.

Ecommerce

Toss Payments

Toss Payments integrates with more of the commerce stack.

SaaS companies

Payu

Payu is the more developer- and automation-friendly choice.

Integration overlap

Only in Payu (0)

Only in Toss Payments (6)

Microsoft 365Google WorkspaceKakaoTalkNaverSalesforceREST APIs

Keep Exploring

Other alternatives worth considering

Similar payment gateways products buyers compare alongside Payu and Toss Payments.

Razorpay

Razorpay

Custom
Mondu

Mondu

Custom
Billie

Billie

Custom
Stripe

Stripe

$0/mo
Adyen

Adyen

Custom
Klarna for Business

Klarna for Business

Custom
More Payu alternatives →More Toss Payments alternatives →

Ask SIA which solution fits your business

SIA, Saaskart's AI buying assistant, weighs Payu and Toss Payments against your team size, budget, integrations and compliance needs, then recommends the right fit and the questions to ask each vendor.

Get a personalised recommendation

Payu vs Toss Payments, Frequently Asked Questions

What is the difference between Payu and Toss Payments?

Payu and Toss Payments are both software solutions. Payu is rated 0.0/5 by 0 users, while Toss Payments is rated 0.0/5 by 0 users. The main differences lie in pricing, features, and target audience.

Which is better, Payu or Toss Payments?

Based on user ratings, Payu scores higher at 0.0/5. The best choice depends on your team size, budget, and specific requirements.

Which is cheaper, Payu or Toss Payments?

Both products have custom pricing. We recommend contacting both vendors for a quote tailored to your team size.

Does Payu or Toss Payments have a free plan?

Neither Payu nor Toss Payments currently offers a free plan, but Toss Payments provides a free trial.

Can I switch from Payu to Toss Payments?

Switching between Payu and Toss Payments is possible. Both support data export. Check integration compatibility and plan for data migration to minimise disruption to your team.

Who should use Payu vs Toss Payments?

Payu is best suited for teams that prioritise enterprise features. Toss Payments works well for teams needing advanced capabilities.

Our Verdict

The bottom line on Payu vs Toss Payments

Best Overall

Either

It's a tie balances user satisfaction and proven adoption.

Best for Startups

Either

It's a tie has the friendliest entry point for new teams.

Best for Enterprise

Toss Payments

Toss Payments leads on compliance and feature breadth.

Best Value

Either

It's a tie delivers the lowest cost to get started.

Best AI Features

Either

Comparable AI capabilities on both sides.

Highest Rated

Either

Both earn equal user ratings.

Ready to decide between Payu and Toss Payments?

Visit Payu Visit Toss Payments Ask SIA
Compare more alternatives →

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