Quick wins for a faster PC:
Repair Windows errors before they cause bigger problemsFix Now →Fix the driver behind crashes, sound loss and screen glitchesFind Drivers →Cashfree is the safer default for most businesses starting a new Indian payment-gateway integration in 2026. It has current public documentation for UPI, cards, net banking, wallets, refunds, webhooks, subscriptions, payment links, split payments and international payments. EBS India—also known as E-Billing Solutions—may still be relevant to existing merchants, but its current onboarding, pricing, API documentation and settlement terms are difficult to verify publicly.
That makes this an uneven comparison: Cashfree can be assessed using current first-party material, while many EBS feature and pricing claims come from older sources and should not be treated as current offers.
As an Amazon Associate I earn from qualifying purchases.
Cashfree vs EBS: quick comparison
| Criterion | Cashfree | EBS India |
|---|---|---|
| New integrations | Lower implementation risk because current API and developer documentation is publicly available. | Confirm that new accounts, APIs and technical support are currently available. |
| UPI, cards and net banking | Current Cashfree documentation indicates support, subject to account eligibility and activation. | Historical sources indicate support, but current availability must be confirmed. |
| Wallets, EMI and Pay Later | Documented as supported payment categories; availability can depend on merchant configuration. | Do not assume current support without written confirmation. |
| International cards | Current product material covers international cards, currencies and cross-border features, subject to eligibility. | Historical coverage exists, but current scope and pricing are unclear. |
| Recurring payments | Current documentation covers subscriptions, plans and mandates. | Historical recurring-payment claims require verification. |
| Payment links and no-code tools | Public documentation covers payment links, payment forms, hosted checkout and plugins. | Current tools and plugin support are not verified. |
| Pricing transparency | Cashfree explains TDR and payment-method-dependent pricing, but merchants need a quote. | Available historical pricing references conflict and are not reliable for 2026. |
| Best starting point | Most new Indian merchants and developers. | Existing merchants with a live account and acceptable written terms. |
Bottom line: Choose Cashfree for a new build unless EBS can provide current written proof of onboarding, pricing, supported methods, settlement and support commitments.
PC Slower Than It Used to Be?
A free scan shows the junk files, broken settings and background clutter dragging Windows down - then fixes them in one click.Free scan · Windows 10 & 11Crashes, No Sound, or Screen Glitches?
Random freezes, missing sound and display glitches usually trace back to one bad driver. Find and replace yours safely.Free scan · under a minuteWhat are Cashfree and EBS?
Cashfree Payments
Cashfree Payments is an India-focused payment and payout platform. Its current documentation covers orders, payments, refunds, settlements, webhooks, subscriptions and split payments. Its developer resources also cover hosted checkout, SDKs, payment links, payment forms and plugins, including Shopify-related integration paths.
#1 Best Overall
- With Square Terminal, you can ring up sales, accept payments, and print receipts, all with one device. Use it at the counter or ring up customers anywhere in your store.
- Accept all major credit and debit cards and pay one low rate with no hidden fees and no long-term contracts.
- Process chip cards in just two seconds.
- Get your money as soon as the next business day.
- Use it cordlessly with the built-in battery, designed to last all day.
Cashfree’s standard API authentication uses an x-client-id and x-client-secret. The secret must remain on the server and must never be placed in browser code. See the authentication documentation for the current implementation details.
EBS India
This comparison refers specifically to EBS India or E-Billing Solutions. It does not refer to Amazon Elastic Block Store, EBS Ireland’s banking APIs, education-management software or other companies using the EBS name.
EBS was frequently listed as an Indian payment gateway in older comparisons. However, current public evidence does not establish a reliable official EBS India pricing page, API reference, onboarding page or product catalogue. That does not prove that EBS has shut down; it means a prospective merchant should verify its current status directly before investing in an integration.
Payment methods
Cashfree’s published payment-method material lists credit cards, debit cards, prepaid cards, UPI, net banking, wallets, EMI, Pay Later, international cards and PayPal subject to enablement. Cashfree specifically indicates that PayPal is available on request rather than automatically enabled for every merchant. See its payment FAQ.
Actual availability can depend on KYC, merchant category, domestic or international use, acquiring-bank availability, regulatory restrictions and account configuration. A method appearing in documentation does not guarantee approval for every business.
Older EBS material describes cards, net banking, international cards, multiple currencies and broad payment-method coverage. Those claims are historical and should be confirmed before being used in a buying decision.
Rank #2
- Use the, easy-to-use, and customizable POS to get started.
- Accept contactless payments, chip cards, Apple Pay, and Google Pay from anywhere, with improved connectivity, extended battery life, and enhanced security. Pay one low rate for every tap or dip.
- No long-term commitments or contracts, no monthly fees- and with offline payments, keep taking payments for up to 24 hours.
- Safely and securely accepts payments anywhere. Plus, get data security, 24/7 fraud prevention, and payment-dispute management at no extra cost.
- Use the, easy-to-use, and customizable POS to get started.
Pricing: compare total cost, not just TDR
Cashfree’s pricing documentation explains that charges can vary by payment method and may involve TDR, taxes, gateway or UPI charges and other billing considerations. There is no single public Cashfree rate that should be assumed to apply to every merchant. Request a current written quote through the pricing documentation and sales process.
Cashfree’s international-payment page currently advertises a 2.99% flat rate for international card payments. Treat this as a product-page pricing signal, not a universal promise. Confirm whether GST, refunds, chargebacks, FX conversion, instant settlement, business-category surcharges and negotiated-volume terms are additional.
Historical EBS sources report materially different structures, including TDR bands, setup fees, annual maintenance charges, minimum balances and settlement terms. Because those sources conflict and are old, quoting them as EBS’s 2026 rate card would be misleading.
Use this framework when comparing written offers:
Effective gateway cost = transaction fee
+ GST and other taxes
+ payment-method surcharge
+ FX or currency-conversion cost
+ settlement or instant-settlement fee
+ refund fee
+ chargeback/dispute fee
+ annual maintenance
+ setup fee
+ plugin or add-on costAsk both providers to price the same assumptions: monthly domestic volume, average order value, international volume, payment-method mix, refund rate, subscription volume, business category and desired settlement speed.
Settlement and cash flow
Cashfree publishes standard and instant-settlement products. Its marketing material references different settlement timelines, including T+1 for some local-payment products and settlement in INR within two days for international payments. These are product- and account-specific claims, not guarantees for every merchant. The merchant agreement, eligibility rules, cut-off times, weekends, bank holidays and risk reviews determine when funds are actually available.
Do these 3 things before closing this tab:
1Repair Windows errors before they cause bigger problems2Scan for outdated or missing drivers - takes under a minute3Clear out junk files and repair common Windows errorsBefore signing up, obtain written answers to these questions:
Rank #3
- Accept all major credit and debit cards and pay one low rate
- No hidden fees and no long-term contracts
- Mobile card reader that accepts payments anywhere & anytime
- Use the free SumUp App on your smartphone or tablet to start accepting transactions
- Simply pay 2.6% +10 per in-person transaction
- Is settlement T+1, T+2 or another schedule?
- What is the transaction cut-off time?
- How are weekends and bank holidays handled?
- Can a reserve or settlement hold be imposed?
- Is instant settlement available, and what does it cost?
- Are international payments settled in INR or another currency?
- How are refunds deducted from future settlements?
An old EBS quotation described a weekly settlement pattern. That is historical evidence only and must not be treated as EBS’s current policy.
Integration and developer experience
Cashfree offers a documented path for a custom integration:
- Create a merchant account and complete KYC.
- Obtain sandbox credentials.
- Create an order from your server.
- Generate or receive the checkout session details.
- Send only the required session information to the client.
- Complete payment using hosted checkout or an SDK.
- Receive and validate the webhook.
- Verify payment status server-side through the API.
- Fulfil the order only after authoritative verification.
- Reconcile the payment with settlement reports.
Use idempotency keyed to the provider’s order or payment identifier so that repeated callbacks cannot create duplicate shipments, subscriptions or digital entitlements. Do not fulfil an order solely because a browser redirect says that payment succeeded.
Free tools Windows power users keep installed
One-click scans. No signup required.
Cashfree’s public documentation covers APIs, SDKs, webhooks, refunds, subscriptions, payment links, split payments and developer resources. The dossier does not establish a current EBS India API version, sandbox, SDK library, webhook specification or plugin catalogue. Consequently, Cashfree has the lower documentation and discovery risk for a new build, although the merchant should still test the full payment lifecycle.
Recurring payments and subscriptions
Cashfree’s documentation includes subscriptions, plans and mandates using methods such as UPI, cards and e-mandates. Before relying on recurring billing, confirm:
- Which mandate types are available to your customers.
- Maximum amount and frequency limits.
- Pre-debit notification requirements.
- Tokenization and customer-authentication rules.
- Failed-renewal retries and customer notifications.
- Pause, cancellation and refund behaviour.
- Whether international recurring payments are supported.
Historical EBS coverage mentions recurring payments, but current capability, limits and migration support are not verified.
Rank #4
- Smart card chip card reader (to recognise cards with the golden chip contact surface). Not suitable for contactless NFC RFID cards (e.g. not for ID cards)
- Please note that this is a pure hardware device for reading smart cards. Additional software is always required to make the smart cards useful (banking software, authentication software, access software, etc.)
- Works with all operating systems Windows - Apple Mac OSX - Linux. Usually no additional drivers necessary as already usually included in the operating system
- Different standing floor options for convenient vertical and horizontal use
- Durable housing and built-in long USB cable
International payments: separate the two use cases
An Indian business selling abroad
Cashfree’s international-payment material advertises international cards, 140-plus currencies, reach across 170-plus markets, INR settlement, 3-D Secure 2.0 and FIRS reporting. These are Cashfree claims and should be checked for your country, card network, business category and account configuration. Its international page also advertises a 2.99% rate, which should be confirmed in a written quote.
Ask whether foreign-issued cards are supported, which currencies customers can use, how FX conversion is priced, whether funds settle in INR, what export documentation is required and whether international subscriptions are available.
A foreign business selling to India
This is a different product problem. Confirm whether the provider can accept UPI, RuPay, Indian cards and net banking; whether an Indian entity or bank account is required; who handles local acquiring; and how refunds, disputes and settlement work.
Cashfree announced in June 2026 that its cross-border suite was live across 40 countries. That product direction should not be confused with an Indian merchant merely accepting foreign cards. EBS’s current international coverage, currencies, settlement currencies and regulatory arrangements require direct verification.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Refunds, disputes and risk holds
Gateway selection is also a risk-policy decision. Ask about prohibited-business rules, enhanced KYC, reserves, manual reviews, chargeback deadlines, dispute evidence, partial refunds and delayed or failed webhooks.
Recommended Free Tools
Common failure scenarios should be designed into the integration:
Best Value
- With Square Handheld, you can accept payments, take tableside orders, or scan barcodes anywhere. With a slim design and comfortable grip, the POS is easy to carry in your palm or pocket. Square Handheld is designed to withstand water splashes and dust. Add an optional protective case for accidental drops. A long-lasting battery and offline payments let you keep selling.
- Slim, pocketable, and lightweight so you can accept payments wherever your customers are.
- Take tableside orders, bust lines, or use the built-in barcode scanner, all with one sleek device.
- A battery that can power through your shift and offline payments let you keep selling, even if your internet is down.
- Accept all major credit and debit cards and pay one simple rate with no hidden fees and no long-term contracts required.
- Payment succeeded but the order is pending: verify status through the API and process webhooks idempotently.
- The customer was debited but the gateway shows failure: check the provider status, bank reference and reconciliation window before asking for another payment.
- A refund cannot be issued: determine whether the refund requires available balance, a prefunded account or deduction from future settlements.
- An international card is declined: test issuer country, network, 3-D Secure, currency, mobile browser and billing-address formats.
- The account is held: follow the KYC escalation route and request the reserve policy and review documents.
Do not choose either gateway based on unsupported claims about better approval rates, lower fraud or superior customer service. Payment outcomes depend on issuer, network, authentication, geography, risk rules and merchant category.
Who should choose Cashfree?
Cashfree is the stronger candidate for a new merchant that needs Indian UPI and cards, payment links, hosted checkout, a documented API, recurring billing, marketplace split payments, Shopify or other plugin routes, or international-card acceptance.
It is especially practical when the business wants to begin with a small pilot and expand after measuring success by payment method, issuer country, device and customer segment.
What’s actually slowing this PC down?
Pick the symptom - the matching free tool is one click away.
When might EBS still make sense?
EBS could remain reasonable for an existing merchant if the account is live, the current contract is acceptable, settlement is reliable, existing integrations work and the provider supplies current written terms and support contacts.
Before staying with EBS or migrating away, export transaction IDs, refund access, recurring mandates, settlement reports, chargeback history, reconciliation files, webhook details, plugin dependencies, invoices and tax records. Do not assume EBS tokens or mandates can be transferred to Cashfree. Token portability must be confirmed by both providers and may be restricted by payment-network or regulatory rules.
When neither gateway is the right fit
Look beyond a conventional Indian gateway if you need global merchant-of-record services, local acquiring in many countries, complex marketplace compliance, multi-country treasury, in-person payments or specialist subscription-recovery tools. Providers such as Razorpay, PayU, CCAvenue, Stripe where eligible, Adyen, Checkout.com and merchant-of-record platforms may be worth separate research; their current Indian availability and pricing are not ranked here.
Quick Recap
Checklist before signing up
- Request the current rate card and merchant-specific quote.
- Confirm GST, TDS treatment and all fixed charges.
- Price refunds, chargebacks, FX and instant settlement.
- Obtain the settlement calendar, cut-off times and reserve policy.
- Confirm eligibility for international cards, PayPal, subscriptions and high-risk categories.
- Review current API, SDK, sandbox and webhook documentation.
- Test duplicate callbacks, delayed status, refunds and reconciliation.
- Ask for support response times and escalation contacts.
- Confirm plugin compatibility and data-export options.
- Read termination, migration and recurring-token provisions.
