Are you looking for the best way to accept online payments in India? Choosing the right payment gateway is crucial for businesses aiming to offer seamless, secure, and fast transactions. With the digital economy booming, a reliable payment solution can enhance customer trust and boost sales.
India offers a wide range of gateways, each with unique features, pricing models, and integrations suited for startups to large enterprises. Whether you run an e-commerce store, a SaaS platform, or a freelance service, the right gateway can simplify collections and expand your reach. Careful selection ensures efficiency, compliance, and improved customer satisfaction across channels.
In this blog, we will take a look at the 10 Best Payment Gateways in India.
How does a Payment Gateway Power Your Digital Payments?
- Encrypts Payment Information: It securely encrypts sensitive card and banking data during transactions, protecting users from fraud and theft.
- Authorizes Transactions: It verifies the buyer’s details with the issuing bank to confirm sufficient funds and validate the purchase.
- Facilitates Real-Time Payments: Enables instant processing of online payments, improving customer experience and business efficiency.
- Supports Multiple Payment Modes: Allows customers to pay via credit/debit cards, UPI, net banking, wallets, and more.
- Integrates with Platforms: Seamlessly integrates with websites, mobile apps, and POS systems to streamline checkout processes.
- Provides Transaction Reports: Offers detailed analytics and reports to track payments, refunds, chargebacks, and revenue trends.
- Ensures Regulatory Compliance: Adheres to industry standards like PCI-DSS to maintain legal and security standards for online transactions.
List of Best Payment Gateways in India
1. Razorpay
The payment gateway Razorpay delivers strong API capabilities and easy integration to online businesses. Through Razorpay, companies can receive as well as handle, and send payments across different payment methods, including cards along with UPI, and wallets.
Razorpay presents its dashboard to users with built-in tools that show analytics as well as settlement capabilities alongside refund management features. This platform allows both subscription payments and recurring billing procedures.
The payment gateway service Razorpay enables PCI-DSS compliance while protecting against frauds and caters to startup and SME businesses. The company stands out as the prime gateway selection for Indian merchants because of its developer-friendly platform combined with its automation features.
| Payment Methods | Credit/Debit Cards, UPI, Net Banking, Wallets, EMI, PayLater |
| Settlement Period | T+2 days (Instant Settlement available) |
| Mobile App Integration | SDKs for Android and iOS |
| Onboarding Time | Quick online onboarding |
| Customer Support | Email, chat, and phone support |
| eCommerce Platforms Supported | Shopify, WooCommerce, Magento, OpenCart, and more |
| Other Integrations | CRM, ERP, Accounting Software, APIs |
| Security | PCI DSS compliant |
| Dashboard | User-friendly with real-time analytics |
| Clients | UrbanClap, BookMyShow, Zoomcar |
Popular Payment Methods:
- Credit/Debit Cards
- UPI
- Net Banking
- Wallets
- EMI
- PayLater
Integration: Razorpay offers a smooth integration using APIs, SDKs for mobile apps, and plugins for platforms like Shopify and WooCommerce.
Fees:
- Credit/Debit Cards & UPI – 2% + GST
- International Cards – 3% + GST
- No setup or maintenance fees
Pros:
- Instant activation with easy onboarding
- Offers RazorpayX for payouts and payroll
- Powerful analytics dashboard
- Instant settlement options are available
Cons:
- Occasional delays in settlement
- Customer support can be slow for smaller clients
- Some features require KYC completion
2. Paytm Payment Gateway
Millions of users select Paytm Payment Gateway as part of the Paytm system because the platform ensures secure transactions. Through this platform, businesses can obtain payments through UPI as well as cards and wallets, and net banking.
The payment gateway enjoys a solid reputation from users alongside quick transactions and reliable APIs. The success rates along with brief periods of unavailability, make Paytm the optimal choice for customers conducting large transactions.
The payment gateway provides subscription billing services together with international payment functions to serve businesses at every level throughout India.
| Payment Methods | Credit/Debit Cards, Net Banking, UPI, Paytm Wallet |
| Settlement Period | T+1 days |
| Mobile App Integration | SDKs for Android and iOS |
| Onboarding Time | Less than 30 minutes |
| Customer Support | Email and chat support |
| eCommerce Platforms Supported | Shopify, Magento, WooCommerce, OpenCart, and more |
| Other Integrations | CRM, ERP, Accounting Software, APIs |
| Security | PCI DSS compliant |
| Dashboard | Real-time analytics and customisable reports |
| Clients | IRCTC, Zomato, Uber |
Popular Payment Methods
- UPI
- Paytm Wallet
- Credit/Debit Cards
- Net Banking
Integration: Easily integrates via APIs and SDKs; plugins for eCommerce platforms are also available.
Fees:
- Credit/Debit Cards – 1.99% + GST
- UPI & Wallet – 0% to 1.5% depending on volume
Pros:
- Trusted brand with a massive user base
- Real-time bank settlement
- Instant onboarding
- Wide wallet adoption
Cons:
- The dashboard is less intuitive compared to competitors
- Limited analytics capabilities
- Slow response for chargeback issues
3. CCAvenue
The payment gateway CCAvenue functions as India’s longest operable solution because it enables businesses to process more than 200 payment methods, such as credit cards and UPI and net banking and wallets.
Its universal payment checkout system, together with adjustable interface elements, accommodates different types of customers. The enterprise-focused payment gateway CCAvenue provides exceptional fraud prevention solutions together with recurring billing services and operates at an international scale.
Businesses that need payment mode diversity in the Indian market and quick settlements along with reliable support can depend on this gateway to provide stability and broad payment options.
| Payment Methods | Credit/Debit Cards, Net Banking, UPI, Wallets, EMI |
| Settlement Period | T+2 to T+3 days (Express Settlement available) |
| Mobile App Integration | In-App Payment Gateway for Android and iOS |
| Onboarding Time | 3-4 days |
| Customer Support | Email and phone support |
| eCommerce Platforms Supported | Shopify, Magento, WooCommerce, OpenCart, and more |
| Other Integrations | CRM, ERP, Accounting Software, APIs |
| Security | PCI DSS compliant |
| Dashboard | Comprehensive with detailed analytics |
| Clients | Airtel, MakeMyTrip, Naukri |
Popular Payment Methods:
- Credit/Debit Cards
- Net Banking
- Wallets
- UPI
- EMI
Integration: Offers multiple integration kits, APIs, and mobile SDKs for Android and iOS.
Fees:
- Domestic Cards – 2% + GST
- International Cards – 3% + GST
- Setup fee – May apply depending on plan
Pros:
- Supports 200+ payment options
- Supports multilingual and multicurrency
- Auto-retry for failed transactions
- Trusted by large enterprises
Cons:
- Longer onboarding process
- The interface feels outdated
- Settlement timelines can vary
4. Instamojo
Various independent contractors along with content makers and small operations use Instamojo because this user-friendly payment gateway suits their needs. Commerce operations become straightforward using this gateway because it features a simple interface together with payment links and digital product sales and online stores functionality.
Users can transact with UPI as well as cards, wallets and by using EMI options through this platform. Through its features Instamojo provides users with business analytics as well as invoice generation and automatic email notification capabilities.
The system suits startups and single operators who require simple fast-payment options without needing a website during setup.
| Payment Methods | Credit/Debit Cards, Net Banking, UPI, Wallets |
| Settlement Period | T+3 days |
| Mobile App Integration | Android app available |
| Onboarding Time | Instant onboarding |
| Customer Support | Email and chat support |
| eCommerce Platforms Supported | Shopify, WooCommerce, Magento, OpenCart, and more |
| Other Integrations | CRM, ERP, Accounting Software, APIs |
| Security | PCI DSS compliant |
| Dashboard | User-friendly with real-time analytics |
| Clients | UrbanClap, Dunzo, Zomato |
Popular Payment Methods:
- Credit/Debit Cards
- Net Banking
- UPI
- Wallets
Integration: Easy no-code and low-code options; plugins for all major platforms.
Fees:
- 2% + Rs. 3 per transaction
- No monthly or setup fees
Pros:
- Ideal for small businesses
- Quick setup and onboarding
- Provides an online store along with a gateway
- Mobile-friendly dashboard
Cons:
- Settlement time T+3
- Limited features for large enterprises
- Support can be slow
Suggested Read:
5. Cashfree
Cashfree operates as a developer-friendly payment gateway which gives users various payment solutions through auto-collect and payouts and instant refunds. The payment gateway processes transactions through UPI as well as cards, wallets while accepting net banking.
Payments through Cashfree happen swiftly because this platform receives widespread endorsement from e-commerce businesses and lending organisations. Payment splitting with subscription-based billing is possible through this platform.
Both startups and large enterprises can leverage Cashfree as an affordable payment solution because of its comprehensive API documentation and smooth integration features and worldwide processing capabilities.
| Payment Methods | Credit/Debit Cards, Net Banking, UPI, Wallets, EMI |
| Settlement Period | T+1 days (Instant Settlement available) |
| Mobile App Integration | SDKs for Android and iOS |
| Onboarding Time | Quick online onboarding |
| Customer Support | Email and phone support |
| eCommerce Platforms Supported | Shopify, WooCommerce, Magento, OpenCart, and more |
| Other Integrations | CRM, ERP, Accounting Software, APIs |
| Security | PCI DSS compliant |
| Dashboard | Comprehensive with detailed analytics |
| Clients | BigBasket, Cred, Zomato |
Popular Payment Methods:
- UPI
- Cards
- Net Banking
- Wallets
- EMI
Integration: Comprehensive APIs and SDKs; easy plugin support for major platforms.
Fees:
- Domestic Payments – 1.75% onwards
- International Cards – 3.5%
- No setup fees
Pros:
- Fast settlements (T+1)
- Powerful split payments and payouts
- Supports recurring billing
- Affordable for startups
Cons:
- Some reports of delayed support
- Complex UI for new users
- Strict KYC process
6. PayU
The online payment gateway PayU serves as a popular Indian solution that provides services for businesses in e-commerce along with education and travel industries. The payment gateway supports more than 100 payment options that combine credit cards with UPI and EMI and wallets.
PayU shines in transaction success rate and provides risk management features together with flexible payment checkout options. The payment gateway delivers sophisticated analytical tools along with instant reporting features.
The payment gateway serves multiple scales of businesses because it provides the PayU Subscription option along with smooth integration solutions.
| Payment Methods | Credit/Debit Cards, Net Banking, UPI, Wallets, EMI |
| Settlement Period | T+2 days |
| Mobile App Integration | SDKs for Android and iOS |
| Onboarding Time | 3-4 days |
| Customer Support | Email and phone support |
| eCommerce Platforms Supported | Shopify, Magento, WooCommerce, OpenCart, and more |
| Other Integrations | CRM, ERP, Accounting Software, APIs |
| Security | PCI DSS compliant |
| Dashboard | User-friendly with real-time analytics |
| Clients | Netflix, Airbnb, BookMyShow |
Popular Payment Methods:
- Credit/Debit Cards
- UPI
- Net Banking
- EMI
- Wallets
Integration: Developer-friendly APIs and mobile SDKs; plugin availability for major CMS platforms.
Fees:
- 2% + GST for domestic cards
- 3% + GST for international cards
Pros:
- Trusted by large brands
- Supports custom checkout experiences
- Smart analytics and dashboard
- PayU Money for small businesses
Cons:
- Slightly expensive for smaller merchants
- Integration documentation can be complex
- Onboarding time is longer than others
7. BillDesk
BillDesk provides payment portal services from a trusted company which has operated successfully in the Indian market for many years. The service accepts payments of various scales from utilities and governments through UPI while processing card and net banking payments.
BillDesk maintains top-level transaction security together with dependable services that adhere to all regulatory requirements. Backed by robust backend processing along with dependable settlements BillDesk maintains a steady operational foundation even though its front end does not have a contemporary appearance.
The enterprise and public sector markets rely on BillDesk as their go-to solution because it delivers reliable high-volume mission-critical digital payment processing.
| Payment Methods | Credit/Debit Cards, Net Banking, UPI, Wallets |
| Settlement Period | T+2 to T+3 days |
| Mobile App Integration | Not specified |
| Onboarding Time | Varies based on business requirements |
| Customer Support | Email and phone support |
| eCommerce Platforms Supported | Custom integrations available |
| Other Integrations | CRM, ERP, Accounting Software, APIs |
| Security | PCI DSS compliant |
| Dashboard | Comprehensive with detailed analytics |
| Clients | IRCTC, LIC, BSNL |
Popular Payment Methods:
- Credit/Debit Cards
- Net Banking
- UPI
Integration: Custom APIs offered; more enterprise-focused integration support.
Fees:
- Varies by business model; negotiable with volume
- Usually 1.5–2.5% per transaction
Pros:
- Widely used for utility and government payments
- Secure and scalable
- Excellent uptime and reliability
Cons:
- Not ideal for small businesses
- Complicated onboarding
- Outdated user interface
8. JusPay
JusPay functions as a payment orchestration platform dedicated to raising checkout performance while enhancing interface security for enhanced user experiences.
Through partnerships with top banking institutions JusPay operates a payment routing system that achieves high success rates together with optimised transaction times. Mobile-first design and one-click payments along with tokenization represent the main strengths of JusPay.
This platform allows users to make payments through many options while providing seamless connectivity between apps and websites. Tech-driven organisations select JusPay because it delivers UX personalisation and deep analysis for continuous customer experience enhancement.
| Payment Methods | Credit/Debit Cards, Net Banking, UPI, Wallets |
| Settlement Period | Depends on the partnered bank or gateway |
| Mobile App Integration | SDKs for Android and iOS |
| Onboarding Time | Varies based on business requirements |
| Customer Support | Email and chat support |
| eCommerce Platforms Supported | Custom integrations available |
| Other Integrations | CRM, ERP, Accounting Software, APIs |
| Security | PCI DSS compliant |
| Dashboard | User-friendly with real-time analytics |
| Clients | Amazon, Swiggy, Ola |
Popular Payment Methods:
- UPI
- Cards
- Net Banking
- Wallets
Integration: One SDK integration for all modes of payments; highly customizable.
Fees:
- Varies depending on gateway used (JusPay acts as tech layer)
- No direct charges from JusPay alone
Pros:
- Ultra-fast checkout experience
- Used by top enterprises like Amazon
- Deep customisation options
- Supports tokenization
Cons:
- Only acts as orchestration layer
- Relies on third-party gateway partnerships
- Not for small businesses
9. Atom Paynetz
Atom Paynetz, a part of NTT DATA, offers a secure and reliable payment gateway with support for credit cards, net banking, UPI, and wallets.
Organisations benefit from this payment gateway through its adaptable integration capabilities along with report details and anti-fraud capabilities. Banks along with enterprises choose Atom because it meets international security standards and maintains strong infrastructure.
Businesses can use its adaptable platform because of its large transaction capabilities to provide India-wide payment solutions through web and mobile channels for customers with differing requirements.
| Payment Methods | Credit/Debit Cards, Net Banking, UPI, Wallets |
| Settlement Period | T+2 to T+3 days |
| Mobile App Integration | SDKs for Android and iOS |
| Onboarding Time | Varies based on business requirements |
| Customer Support | Email and phone support |
| eCommerce Platforms Supported | Custom integrations available |
| Other Integrations | CRM, ERP, Accounting Software, APIs |
| Security | PCI DSS compliant |
| Dashboard | Comprehensive with detailed analytics |
| Clients | HDFC Bank, Kotak Mahindra Bank, IDBI Bank |
Popular Payment Methods:
- Credit/Debit Cards
- Net Banking
- UPI
Integration: APIs and SDKs available; suited for mobile and desktop integrations.
Fees:
- 2% + GST standard rate
- Custom pricing available for large volumes
Pros:
- Wide reach in BFSI sector
- White-label solutions available
- Secure transactions with PCI DSS
Cons:
- Legacy dashboard design
- Long onboarding process
- Limited self-service options
10. PayKun
Small and medium-sized businesses can adopt PayKun as their payment gateway because it offers simple operation and affordable pricing. Users can access payment through UPI, together with wallets and bank cards along with net banking options.
The payment gateway provides transparent pricing and zero setup fees combined with payment link functionalities and API technologies and dashboards. The payment gateway PayKun meets all PCI-DSS requirements while providing outstanding assistance to its users.
Startups and online businesses at various stages together with freelancers find the payment gateway of PayKun optimal because it offers rapid implementation with little paperwork and advanced payment tracking methods.
| Payment Methods | Credit/Debit Cards, Net Banking, UPI, Wallets |
| Settlement Period | T+1 to T+2 days |
| Mobile App Integration | SDKs for Android and iOS |
| Onboarding Time | Quick online onboarding |
| Customer Support | Email and chat support |
| eCommerce Platforms Supported | Shopify, WooCommerce, Magento, OpenCart, and more |
| Other Integrations | CRM, ERP, Accounting Software, APIs |
| Security | PCI DSS compliant |
| Dashboard | User-friendly with real-time analytics |
| Clients | Small and medium-sized businesses across India |
Popular Payment Methods:
- Credit/Debit Cards
- UPI
- Net Banking
- Wallets
Integration: Offers easy-to-use APIs and plugins for all major platforms.
Fees:
- 1.75% flat per transaction
- No setup or maintenance fees
Pros:
- Ideal for startups and freelancers
- Easy onboarding
- Excellent support reputation
- Transparent pricing
Cons:
- Limited international payment support
- Basic analytics dashboard
- Not suited for enterprise-level needs
Ending Thoughts
In the rapidly evolving digital landscape, selecting the right payment gateway is essential for the smooth functioning of any online business. A dependable gateway ensures secure transactions, faster checkouts, and a seamless user experience, all of which contribute to increased customer satisfaction and trust. With a variety of platforms offering diverse features-ranging from multi-currency support and real-time analytics to easy integration and mobile optimisation’s important to assess your business needs before making a decision.
Factors such as transaction fees, settlement cycles, customer support quality, and platform compatibility should be carefully evaluated. The right payment solution not only simplifies financial operations but also empowers businesses to scale efficiently, compete effectively, and stay ahead in the ever-expanding digital commerce environment.
FAQs
Can small businesses and startups use payment gateways?
Yes, many gateways like Instamojo and Cashfree cater specifically to small businesses with simple onboarding and minimal fees.
Is it safe to use payment gateways for online transactions?
Yes, reputable gateways are PCI DSS compliant and use encryption, fraud detection, and other security measures to protect transaction data.
How long does it take for the money to be settled into my account?
Settlement cycles vary between 1 to 3 working days depending on the gateway and business type.
Do payment gateways support international payments?
Yes, platforms like PayU, Razorpay, and CCAvenue support international cards and currencies, but it may require additional verification.
