Payment Gateway Cost Optimizer for Indian SaaS
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Instantly compare true all-in costs across payment gateways and find the cheapest route for every transaction.
Added Apr 12, 2026
213 signals
The Problem
Indian SaaS founders selling globally face a maze of payment gateway options with misleading headline rates, hidden fees (AMC, setup, FX markup), and varying tax compliance burdens. Comparing true costs across providers like Stripe, Razorpay, Dodo Payments, and budget options requires manual research and spreadsheet math that most solo developers lack time for.
Potential Solution
A dashboard tool that ingests your transaction volume, currency mix, and compliance needs to calculate the real all-in cost per gateway — including hidden AMCs, FX markup, settlement delays, and tax filing overhead. It recommends the optimal gateway (or split-routing strategy) for your specific profile and alerts you when switching providers would save money as your volume changes.
Why Now?
Stripe going invite-only in India since May 2024 has forced thousands of Indian developers to evaluate alternatives for the first time, while a wave of new MoR providers like Dodo Payments are entering the market — creating unprecedented confusion and demand for objective comparison tooling.
As a foreign trade guy, what B2B payment platform do you guys actually use
Just curious. What’s everyone using these days for receiving payments from overseas buyers? Thanks.
Payment options for a SaaS project
I’m looking for advice on alternative payment solutions for a SaaS setup. I’ve experienced some difficulties with common platforms like PayPal (account limitations) and Payoneer (frequent verification requirements). Stripe isn’t easily available in my country and can be complicated to set up. At the moment, I’m managing payments manually outside the platform, which isn’t ideal or scalable, especially with ongoing API and backend costs. What are the most reliable ways to accept payments from international clients in this situation? Is using an IBAN for international bank transfers a safe and practical choice? Are services like Western Union or MoneyGram suitable for this kind of use? Any insights or suggestions would be appreciated, particularly for someone at an early stage.
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