Alvan Labs Pay vs Cashfree Comparison Matrix
A detailed comparison between intermediate escrow-pool routing and direct peer-to-peer bank UPI reconciliation.
| Feature Comparison | Alvan Labs Pay | Cashfree Gateway | Traditional PGs |
|---|---|---|---|
| Transaction Fee (MDR) | 0% (Absolutely Free) | 2.0% - 2.5% per order | 2.0% - 3.0% + GST |
| Direct Settlement Speed | 1 Second (Direct to Bank) | T+2 Days (Standard) | T+2 to T+4 Days |
| Cent-Slot Reconciliation | Yes (Mathematical tracking) | No (No email parsing) | No |
| Screenshot Fraud Protection | Yes (Automatic verification) | No (Only logs API states) | No |
| WooCommerce & Shopify Support | Yes (Native Plugins) | Yes | Yes |
Why Merchants Are Migrating
- Reclaim ₹20,000 for every ₹10 Lakhs processed. Zero transaction fees mean straight bottom-line profit.
- No rolling reserves or held payouts. Direct peer-to-peer bank transfers ensure absolute cash flow stability.
- Automatic email reconciliation eliminates manual billing overheads.
Operational Architecture Overview
Unlike standard aggregators that hold merchant funds in escrow nodes, Alvan Labs operates purely as an **asynchronous state verifier**. Customer payments go directly from their bank application to your personal/business VPA end-point in real-time.
Matrix FAQ Answers
Why should we choose Alvan Labs over Cashfree?
Cashfree holds funds in intermediate accounts before settling to your bank, usually taking 2-3 days. Alvan Labs settles transactions directly in under 1 second.
Does the system verify settlements securely?
Yes. Our background engine validates payments against real-time credit notifications from your bank, completely eliminating fake screenshot fraud.
Save 2-3% on Transaction Fees Today
Move away from high commissions and delayed settlements. Alvan Labs Pay is the ultimate zero-MDR alternative.
Direct Merchant Setup Request
Click below to generate a pre-filled secure email directly to Alvan Labs integrations desk.
📧 email: payments@alvanlabs.com We reply in under 3 hours during active IST support windows.