Setting up payment gateway for our new E-com store, Razorpay vs Cashfree vs PayU for festive launch?

Hey everyone, we're launching our new brand in a few weeks and setting up domestic payment processing now. We have a registered Pvt Ltd entity with GST.

Main priorities for us right now:

• Keeping margins tight / low transaction fees while testing ad campaigns

• Fast settlement cycles so we aren't waiting on cash flow to restock inventory

• Smooth paperless onboarding that doesn't drag on for weeks

What are you guys currently using for fresh launches in 2026? Any hidden pitfalls with verification or settlement delays?