As India adopts digitalization, payment gateways have emerged as the backbone of the nation’s online business ecosystem. They are the digital conduit between buyers and sellers, facilitating seamless, secure, and instant payments across multiple platforms.
With the growth of e-commerce, fintech innovation, and mass UPI adoption, payment gateways not only streamline the checkout experience but also instill trust, minimize cart abandonment, and enable business scalability. For small businesses and big companies alike, a secure payment gateway provides compliance, fraud protection, and the ability to access multiple payment channels—all of which are critical in a competitive, mobile-first economy like India.
With numerous payment options in India, selecting the correct gateway for your business can be daunting. Each has varying features, charges, and integration possibilities. Depending on whether you require quick onboarding, international payment support, or seamless website integration, an informed decision is imperative. To ease your search, we’ve narrowed down the 20 top Payment Gateways in India used by businesses across sectors for their reliability, security, and performance.
Best 20 Payment Gateways in India
1. Stripe
Stripe is a cutting-edge global payment gateway that allows businesses of any size to accept payments online and through mobile applications. Simple and developer-focused, Stripe provides an effortless and safe method to process credit card transactions, bank transfers, and e-wallets. Stripe can process both domestic and international payments, which makes it a first-choice among businesses aiming to reach out globally.
With strong API documentation and a wide range of pre-built integrations, Stripe offers companies the agility to scale their payment infrastructure alongside their growth.
Features:
- Global Payment Support
- Customizable Checkout
- Recurring Billing and Subscriptions
- Mobile Payments
- Real-Time Analytics and Reporting
- Fraud Prevention Tools
- Multi-Currency Support
- Developer-Friendly API
- Instant Payouts
- Invoicing and Billing Management
- Easy Integration with Platforms
- Dispute Management
Fees:
- Domestic Cards (Visa/Mastercard in India): 2% per successful transaction.
- International Cards: 3% per successful transaction (4.3% for certain cards).
- Currency Conversion Fee: Additional 2% for currency conversion.
- Dispute Fees: ₹1,000 per dispute.
- Refund Fees: No fee, but the initial transaction fee is not refunded.
- Smart Disputes Fee: 30% of the disputed amount won.
- Connect Platform Fees: ₹150 per active user/month and ₹20 per payout.
Website: https://dashboard.stripe.com/
2. Authorize.Net
Authorize.Net is a familiar and secure payment gateway that allows businesses of any size to accept online and mobile payments. One of the best-known names in the payment processing space, Authorize.Net provides smooth integration with websites, mobile applications, and third-party sites. It accommodates numerous payment options such as credit and debit cards, e-checks, digital wallets such as Apple Pay and PayPal, and even recurring billing.
Advanced fraud detection features, secure payment processing with PCI DSS certification, and strong reporting tools that aid in tracking transactions and effective dispute management are offered by Authorize.Net.
Features:
- Wide Payment Method Support
- Recurring Billing and Subscriptions
- Fraud Prevention and Security Tools
- PCI DSS Compliance
- Real-Time Transaction Reporting
- Mobile Payment Solutions
- Easy Integration with E-Commerce Platforms
- Multi-Currency Support
- Customer Information Manager (CIM)
- Invoicing and Payment Links
- Recurring Billing Automation
- Simple API for Custom Integration
Fees:
- Monthly Gateway Fee: $25 per month.
- Domestic Credit/Debit Cards: 2.9% + $0.30 per transaction.
- International Cards: 3.9% + $0.30 per transaction.
- Advanced Fraud Detection Suite: $29.95 per month.
- Recurring Billing: Included in the standard plan.
- Customer Information Manager: $10 per month.
- Chargeback Fee: $25 per occurrence.
Website: https://www.authorize.net/
3. PayPal Payflow
PayPal Payflow is a powerful and secure payment gateway that allows businesses to accept online payments in an efficient manner. It provides flexible and customizable payment processing for credit card, debit card, and PayPal transactions. Payflow works easily with websites, mobile apps, and e-commerce sites and supports both one-time and recurring billing.
With its latest fraud protection tools, Payflow provides secure payment transactions, while its PCI DSS compliance level ensures maximum level of data safety. Real-time transaction reporting, chargeback protection, and ease of API integration are also services that can provide benefits to companies in simplifying payment processing.
Features:
- Unlimited checkout customization
- Full PCI compliance control
- Supports PayPal and PayPal Credit
- Transparent Redirect option
- Advanced fraud protection tools
- Recurring billing capabilities
- Virtual Terminal for phone/mail/fax orders
- Comprehensive reporting APIs
Fees:
- Payflow Link: No setup fee, no monthly fee, and a $0.10 transaction fee.
- Payflow Pro: $25/month, with a $0.10 transaction fee.
Website: https://www.paypal.com/
4. Square
Square is a wide-ranging payment platform that supports small, medium-sized, and large businesses through supporting tools for payment in-person, online, or mobile. Square has a point-of-sale POS app for free with inbuilt features such as tracking of sales, management of inventory, and customer analysis.
Square also avails customizable equipment options, namely mobile card readers, Square Stand, and Square Register. Apart from payment processing, Square provides other services like payroll, people management, loyalty programs, and marketing.
Features:
- Multi-Channel Payments
- Integrated POS Software
- Flexible Hardware Options
- Customizable Plans
- Developer-Friendly APIs
- Banking Services
- Customer Engagement Tools
- Employee Management
- Security & Compliance
Fees:
- Free Plan: No monthly fee; pay per transaction.
- Plus Plan: Starting at $29/month, offering advanced features.
- Premium Plan: Custom pricing for complex business needs
Website: https://squareup.com/us/
5. Braintree
PayPal Braintree is an all-encompassing global payment processing system meant to simplify online and in-app payments for businesses. It provides a single platform that accommodates multiple payment modes, such as credit and debit cards, PayPal, Venmo (in the United States), Apple Pay, Google Pay, and other digital wallets, to enable easy payments in 200+ markets and 135 currencies. Braintree offers developer-friendly tools like mobile SDKs, hosted fields, and APIs, which allow businesses to build personalized and secure checkout experiences.
Features:
- Multi-Payment Method Support
- Global Reach and Multi-Currency Support
- Developer-Friendly Tools and APIs
- Advanced Fraud Protection
- PCI DSS Level 1 Compliance
- Payment Orchestration and Routing
- Global Payouts
- Seamless Integration with Mobile and Web Apps
Fees:
- Standard Transaction Fees: 2.9% + $0.30 per transaction for cards and digital wallets.
- PayPal Transactions: Subject to PayPal’s standard merchant fees.
- Currency Conversion Fee: Additional 1% fee.
- Chargeback Fee: $15 per chargeback.
- Enterprise & Custom Pricing: Available for businesses processing over $60,000/month with customized rates.
Website: https://www.paypal.com/us/braintree
6. WePay
WePay, a company owned by JPMorgan Chase, offers consolidated payment solutions with the intent of making payment processing easier for marketplaces, platforms, and service providers. As a company focusing on facilitating merchant onboarding effortlessly, WePay assists businesses to process transactions with greater ease while providing tools for making the payments experience seamless.
WePay works towards enabling business to concentrate on growth while the intricacies related to payment processing are taken care of. Also, WePay’s APIs enable developers to offer custom payment solutions, enabling companies to provide their customers with a customized experience.
Features:
- Seamless Merchant Onboarding
- Same-Day Deposits (for Chase Business Account Holders)
- Robust Fraud Protection
- Custom Payment Solutions via APIs
- Simple Integration with Platforms
- Tailored Solutions for Different Industries
- Transparent Pricing and No Hidden Fees
- Advanced Reporting and Analytics
Fees:
- Credit/Debit Card Payments: 2.9% + $0.30 per transaction.
- ACH Payments: Custom rates based on the platform.
- Chargeback Fee: $15 per occurrence.
- Refunds: Processing fees are not returned.
- Same-Day Deposits: Free for Chase business account holders.
Website: https://go.wepay.com/
7. BlueSnap
BlueSnap is an end-to-end Global Payment Orchestration Platform that helps simplify payment processing for businesses of all sizes. It provides an integrated solution that allows merchants to accept payments from more than 200 regions, supporting over 100 currencies and a broad range of payment types, including credit and debit cards, ACH, PayPal, Apple Pay, Google Pay, and local payment types. The modularity of the platform enables businesses to customize their payment solutions for particular requirements, either for e-commerce, marketplaces, or subscription services.
Features:
- Global Payment Acceptance
- Intelligent Payment Routing
- Robust Fraud Prevention
- Chargeback Management
- Comprehensive Analytics and Reporting
- Invoicing and Billing Solutions
- Accounts Receivable Automation
- Seamless Integration with Software Platforms
- Scalable Payment Solutions for E-commerce and Marketplaces
Fees:
customized pricing
Website: https://www.bluesnap.com/
8. Adyen
Adyen is an international payment technology platform that offers end-to-end solutions for accepting, processing, and paying out payments in online, mobile, and offline channels. Built for companies that require scalability and flexibility, Adyen supports more than 300 payment methods, such as credit and debit cards, digital wallets, bank transfers, and local payment methods. Adyen also provides services specifically designed for marketplaces and platforms, such as user onboarding, payout management, and financial reconciliation, all within a single solution.
Features:
- Global Payment Acceptance
- Support for 300+ Payment Methods
- Intelligent Payment Routing
- Real-Time Fraud Prevention
- Comprehensive Reporting and Analytics
- Transparent Interchange++ Pricing Model
- Marketplace and Platform Solutions
- Seamless Integration Across Channels
Fees:
customized pricing
Website: https://www.adyen.com/
9. 2Checkout
2Checkout (rebranded as Verifone) is an international payment processing platform that allows businesses of any size to accept payments online from customers across the globe.
With more than 45 supported payment methods, including credit cards, PayPal, and digital wallets, 2Checkout enables businesses to tap into a wide base of customers. The platform supports payments in over 100 billing currencies, making it a perfect fit for businesses that operate globally, selling to more than 200 countries and territories.
Features:
- Global Payment Acceptance
- Support for 45+ Payment Methods
- 100+ Billing Currencies
- Modular Solutions (2Sell, 2Subscribe, 2Monetize)
- Advanced Fraud Protection
- Recurring Billing Options
- Customizable Checkout Experience
- Reporting and Analytics Tools
- Global Reach (200+ Countries and Territories)
Fees:
- 2SELL: 3.5% + £0.25 per successful sale.
- 2SUBSCRIBE: 4.5% + £0.35 per successful sale.
- 2MONETIZE: Custom pricing based on business needs.
- 4ENTERPRISE: Custom pricing for high-volume businesses.
Website: https://www.2checkout.com/
10. Razorpay
Razorpay is a prominent Indian fintech firm that provides end-to-end payment solutions customized for businesses of every size. It was started in 2014 by Harshil Mathur and Shashank Kumar. Razorpay offers a product suite consisting of a payment gateway, subscription billing, vendor payouts, and working capital loans with a special emphasis on catering to small and medium-sized enterprises (SMEs). The platform has more than 100 payment options, such as credit and debit cards, UPI, wallets, net banking, and cross-border payments, allowing enterprises to serve a wide customer base.
Features:
- Payment Gateway
- Subscription Billing
- Vendor Payouts
- Working Capital Loans
- Support for 100+ Payment Methods
- UPI, Wallets, Net Banking Integration
- International Payments
- Cash Flow Management Tools
- Scalable Solutions for Businesses
Fees:
- Domestic Transactions: 2% per successful transaction.
- International Transactions: 3% per successful transaction.
- EMI Transactions: 3% per successful transaction.
- No Setup or Annual Fees: Only transaction-based fees apply.
- Subscription Billing: Flexible pricing models including fixed, quantity-based, and usage-based charges.
- RazorpayX Payouts: ₹4-₹9 per transaction based on payout amount.
- Payroll Plans: ₹2,499 per month for up to 20 employees, with additional fees for more employees.
- International Payments: 1% per transaction, with no forex markup.
- Free Payouts: 250 free payouts per month; charges apply after that.
Website: https://razorpay.com/
11. Amazon Pay
Amazon Pay is a secure and popular payment gateway in India that uses Amazon’s safe infrastructure to deliver quick, smooth, and safe payment options for merchants. Created to support both small and large merchants, Amazon Pay enables merchants to provide customers with various payment options such as credit cards and debit cards, UPI, net banking, and Amazon Pay balance, giving customers the option of using their desired payment mode at the time of checkout. The platform easily integrates with websites and mobile apps using its straightforward APIs and SDKs, enabling merchants to add their online payment experience with less hassle.
Features:
- Multiple Payment Options
- Easy Integration with SDKs and APIs
- Enhanced Security with Amazon’s Infrastructure
- Seamless and Fast Checkout Experience
- Recurring Billing and Subscription Management
- Support for Global Payments
- High Conversion Rates with Trusted Platform
Fees:
- Standard Transactions: Typically, a processing fee of 2% per successful transaction applies.
- UPI Payments: No Merchant Discount Rate (MDR) is charged for UPI transactions, as per government regulations.
- Currency Conversion: A 0.5% fee is applied for currency conversions during international transactions.
Website: https://www.amazon.in/amazonpay/
12. MobiKwik
MobiKwik is a leading Indian fintech firm that provides an extensive range of digital payment solutions. Established in 2009 by Bipin Preet Singh and Upasana Taku, MobiKwik has transformed from being a mobile wallet provider to a complete financial services platform.
It allows them to send and accept money, pay bills, buy things online and offline, and avail financial products such as instant digital loans, insurance, and investment products such as digital gold and mutual funds. MobiKwik offers a payment gateway service strong enough for businesses through Zaakpay, which makes online transactions seamless.
Features:
- Mobile Wallet and Payment Solutions
- Payment Gateway (Zaakpay)
- Support for UPI, Cards, Net Banking, and Wallets
- Recurring Billing
- Digital Loans and Financial Products
- Multi-Currency Support
- Offline and Online Payment Integration
- Merchant and Consumer Benefits
- Digital Gold and Mutual Fund Investments
Fees:
- Domestic Credit/Debit Cards, Net Banking, Wallets: 1.90% per transaction
- American Express & Diners Cards: 2.90% per transaction
- ICICI PayLater & Ola Postpaid: 2.25% per transaction
- International Cards: 2.95% per transaction
Website: https://www.mobikwik.com/
13. PayU
PayU is a popular payment gateway in India, providing businesses with a secure and scalable platform to receive digital payments. With the support of more than 150 payment options, including credit/debit cards, UPI, net banking, and wallets, PayU provides customers with a hassle-free checkout experience.
The platform is developed for seamless integration with websites and mobile apps, offering features such as native OTP for one-touch payments, instant refunds processed within five minutes, and automated recurring billing for subscription services. PayU’s Token Hub enables companies to store customers’ payment details securely, remaining compliant with the latest regulations.
Features:
- Easy Website and App Integration
- One-Click Payments with Native OTP
- Instant Refunds
- Recurring Billing and Subscriptions
- Tokenization via Token Hub
- International Payment Support
- Advanced Fraud Prevention
- Real-Time Transaction Processing
Fees:
- Domestic Credit/Debit Cards: 1.90% per transaction.
- UPI Transactions: 0% per transaction.
- Net Banking: 1.90% per transaction.
- Wallet Payments: 1.90% per transaction.
- International Cards: 3.00% per transaction.
Website: https://payu.in/
14. Juspay
Juspay is a leading Indian fintech company in payment orchestration and checkout solutions. It was established in 2012 and is headquartered in Bengaluru. Juspay processes more than 200 million transactions every day, with an annualized TPV of over $900 billion with 99.999% uptime availability.
The organization provides an entire product suite to boost digital payment experiences for banks and enterprises. Juspay’s portfolio includes HyperCheckout, which integrates native checkout experiences with strong payment orchestration and deep analytics; Express Checkout, offering consolidated payment APIs for startups and enterprises; and a complete stack of UPI infrastructure facilitating TPAPs and PPIs.
Features:
- HyperCheckout
- Express Checkout
- Full-Stack UPI Infrastructure
- Integration with 300+ PSPs
- Intelligent Routing
- Real-Time Analytics
- Instant Refunds
- Recurring Billing
- Tokenization
- No-Code Offers Engine
Fees:
- customized pricing
Website: https://juspay.io/in
15. Zaakpay
Zaakpay, owned by MobiKwik, is a payment gateway company in India aimed at making digital payments simple for companies of every scale. Zaakpay supports more than 100 payment modes, ranging from UPI and credit/debit cards and net banking to wallets and Pay Later, for maximum customer accessibility.
The platform focuses on ease of integration with APIs and plugins for large platforms such as Magento, OpenCart, PrestaShop, and WooCommerce. Companies can benefit from features such as real-time payments, instant settlements, recurring billing, and comprehensive fraud prevention tools.
Features:
- Easy API and Plugin Integration
- Real-Time Payments and Instant Settlements
- Recurring Billing Support
- Fraud Prevention Tools
- User-Friendly Merchant Dashboard
- Multi-Platform Compatibility
- High Uptime and Transaction Reliability
- Secure and PCI-DSS Compliant Infrastructure
Fees:
- UPI Transactions: 0% per transaction
- Domestic Cards, Net Banking, Wallets: 1.90% per transaction
- American Express & Diners Cards: 2.90% per transaction
- ICICI PayLater & Ola Postpaid: 2.25% per transaction
- International Cards: 2.95% per transaction
Website: https://zaakpay.com/
16. Cashfree Payments
Cashfree Payments is among India’s most prominent payment gateway providers with an extensive collection of payment modes that can accommodate businesses of various sizes. With a total of 180 or more payment modes supported, Cashfree accommodates several payment types, such as UPI, credit and debit cards, wallets, net banking, and even EMIs. This wide variety of payment methods guarantees that companies can offer a smooth and easy payment experience to their customers, no matter what payment method they use.
Features:
- Multiple Payment Methods
- High Success Rates
- Instant Settlements
- Developer-Friendly Integrations
- Zero Setup Fees
- 24/7 Customer Support
- Scalability for Businesses
- Advanced Security
- Seamless User Experience
- Global Payments Acceptance
Fees:
- Domestic Cards (Visa, Mastercard, RuPay): 1.90% per transaction.
- Net Banking: 1.90% per transaction.
- UPI: 0% per transaction.
- Digital Wallets: 1.90% per transaction.
- EMI (Credit Card): Starting at 1.90% + 0.25% per transaction.
- EMI (Debit Card): 1.50% per transaction.
- Cardless EMI: 1.90% per transaction.
- Pay Later Services: 2.20% – 2.50% per transaction.
- International Cards: 2.95% – 3.50% per transaction + ₹7.
- PayPal: Standard PayPal charges apply.
- Annual Maintenance Charge (AMC): ₹4,999 per year.
- Virtual Bank Accounts: ₹5 per account creation, ₹10 per transaction for reconciliation.
Website: https://www.cashfree.com/
17. Bharat Kosh
Bharat Kosh portal is the official government platform of India for making non-tax payments such as donations to the Swachh Bharat Kosh. It accepts numerous payment modes such as credit/debit cards, UPI, more than 150 net banking modes, and NEFT/RTGS.
The portal is used to donate to different schemes of the government and also tracks the history of payments made. It also provides facilities such as refund applications and has a user-friendly interface for both registered and non-registered users. The platform is operated by the Controller General of Accounts in the Ministry of Finance.
Features:
- Multiple Payment Methods
- Support for Government Scheme Contributions
- Donation to Swachh Bharat Kosh
- Payment History Tracking
- Refund Application
- User-Friendly Interface
- Management by Ministry of Finance
Fees:
- Contact them
Website: https://bharatkosh.gov.in/
18. Instamojo
Instamojo is a highly accessible payment gateway designed for Indian businesses, particularly small-scale businesses, freelancers, and digital product vendors. It provides an easy setup process where merchants can create payment links, add payment buttons, and create online stores without paying any initial fee.
The platform allows various forms of payments, such as debit/credit card payment app, UPI, wallets, net banking, EMI options, and NEFT/RTGS. Instamojo offers functionalities such as customizable online shops, analytics, shipping integrations, and an app store to support business operations. Payouts are made on a daily basis and usually reach the merchant bank account in 3 business days.
Features:
- Seamless Setup Process
- Multiple Payment Methods
- Transparent Pricing
- Convenience Fee Feature
- Customizable Online Stores
- Analytics and Reporting
- Shipping Integrations
- App Marketplace
- Daily Payouts
Fees:
- Free Plan: Provides basic features with the standard transaction fee.
- Starter Plan: ₹3,999/year
- Growth Plan: ₹9,999/year or ₹1,999/month
Website: https://moneyconnexion.com
19. Paytm
Paytm Payment Gateway is a complete solution that assists businesses in accepting online payments in an effortless manner. It caters to various methods of payments, such as credit/debit cards, net banking, UPI, Paytm Wallet, EMI, and so on.
The gateway has a high transaction success rate due to smart routing and direct bank connections. Merchants are free to integrate the gateway with developer-friendly APIs, custom SDKs, or plugins for leading e-commerce platforms. Paytm provides instant activation with low documentation, and no setup or yearly maintenance charges.
Features:
- Multiple Payment Methods
- High Transaction Success Rate
- Developer-Friendly Integrations
- Instant Activation
- No Setup or Annual Maintenance Fees
- Real-Time Analytics and Dashboard
- International Payment Support
- One-Tap Payments
- Bank Offers and EMI Options
Fees:
- UPI Payments: 0% fee per transaction.
- Paytm Wallet: 0% fee per transaction.
- Debit Cards (Visa, Mastercard, RuPay): 0.40% for transactions below ₹2,000, 0.90% above ₹2,000.
- Credit Cards (Visa, Mastercard, RuPay): 1.75% + GST per transaction.
- Net Banking: 1.75% + GST per transaction.
- International Cards: 2.75% + GST per transaction.
- EMI Options: 1.50% – 1.75% + GST per transaction.
- Retail Categories: 2.75% + GST per transaction.
- High-Ticket Categories: 3.99% + GST per transaction.
Website: https://www.paytmpayments.com
20. BillDesk
BillDesk is a leading payment gateway solutions provider in India, providing a wide range of payment solutions to businesses of any size. It accepts a variety of payment methods, such as credit and debit cards, net banking, UPI, wallets, and EMIs, and provides a seamless payment experience for consumers.
BillDesk has been recognized for its high-security measures, following industry standards to secure transaction information. In addition, the platform also offers comprehensive analytics and reporting tools to help businesses track transactions and identify payment patterns.
Features:
- Multiple Payment Methods
- Robust Security Measures
- Detailed Analytics and Reporting
- Scalable Infrastructure
- Support for Various Sectors
- Reliable and Efficient Solutions
- Dedicated Customer Support
Fees:
- Customized pricing
Website: https://www.billdesk.com/web/
How to choose the Right Payment Gateways in India?
Choosing the right payment gateway is an important decision that can have a direct influence on your customer experience, conversion rates, and business growth. The following are the important factors to be considered while selecting a payment gateway in India:
1. Transaction Fees and Pricing Structure
It is important to understand the cost structure before selecting a payment gateway. Most of them charge a setup fee, annual maintenance, and per-transaction fee. These transaction fees usually range between 1.5% and 3% for local transactions, and higher for cross-border payments.
Certain gateways also impose fees for bank settlement transfers or refunds. For small and startup companies, it is best to begin with a low-cost or zero-setup fee gateway that still has the basic features. Always read the fine print for surprise charges.
2. Supported Payment Methods
A multi-purpose payment gateway must accommodate a variety of payment methods to suit various customer tastes. In India, these are UPI (most used), credit and debit cards, net banking, mobile wallets such as Paytm and PhonePe, EMI, and Buy Now Pay Later (BNPL) options.
If your customers include international shoppers, the gateway must also accept global cards and foreign currencies. The greater the number of options you offer, the easier the checkout process is, and the better the chances of making a sale.
3. Ease of Integration
Smooth integration can save considerable time and minimize developer dependency. Well-designed payment gateways have simple-to-use APIs, good documentation, and pre-built plugins for popular platforms such as Shopify, WooCommerce, and Magento. For mobile applications, Android and iOS-compatible SDKs are necessary. A gateway that includes a sandbox or test environment is also useful for development and debugging.
4. Settlement Cycle
Settlement cycle is the duration between the time a customer makes a payment and when the transaction amount appears in your bank account. Some gateways provide next-day settlements (T+1), while others can take two or three working days (T+2 or T+3). For companies with stringent cash flow or large volumes of transactions, quicker settlements are ideal. Some gateways even provide instant settlements for extra charges.
5. Security and Compliance
Security is crucial when handling confidential financial information. E-Commerce Security Tools such as PCI-DSS-compliant payment gateways, SSL encryption, tokenization, fraud protection, and two-factor authentication (2FA) help fortify transaction safety. A secure gateway not only protects against fraud but also reassures customers that their information is handled safely.
6. Customer Support
Reputable customer support can be a savior when you encounter technical issues, failed transactions, or integration problems. Choose a gateway that provides more than one channel of support like phone, email, and live chat. A few providers also provide dedicated account managers for large clients. Look for support hours—24/7 support is best, particularly if your company runs outside regular working hours.
7. Reputation and Reliability
It’s important to choose a payment gateway with a solid track record. Research reviews on platforms like G2, Trustpilot, or social media to gauge customer satisfaction. Look into the uptime history—frequent downtimes during peak sale periods can hurt your revenue. If possible, select a gateway that is already trusted by well-known brands in your industry, as that’s a good sign of reliability and performance.
8. International Payment Capabilities
If your business deals with international clients, ensure your payment gateway supports multiple currencies and international cards. Some gateways also provide dynamic currency conversion and compliance with RBI’s cross-border payment regulations. Features like language localization and global tax handling can further simplify international transactions and expand your business reach.
9. Checkout Experience and Customization
The checkout experience must be seamless, intuitive, and aligned with your brand’s look and feel. A few gateways provide customizable checkout pages where you can include your logo, colors, and messaging.
One-click payments for repeat customers, mobile responsiveness, and fewer redirections during checkout are some of the features that can greatly enhance user experience and cart abandonment.
10. Refund and Dispute Management
Regardless of how streamlined your business may be, refunds and disputes are unavoidable. An excellent payment gateway needs to provide an easy-to-use and intuitive dashboard for triggering full or partial refunds.
Rapid refund processing and an open chargeback settlement process can help build customer confidence and lower the number of bad experiences. Make sure you know the timeline and fees involved in these processes before you sign up with a provider.
Conclusion
Selecting a suitable payment gateway is an important step towards creating a smooth, secure, and easy-to-use transaction experience for your clients. When it comes to Payment Gateways in India, the digital payments landscape is evolving rapidly, offering businesses a plethora of strong, versatile solutions that cater to diverse requirements, sectors, and sizes.
Whether you value rapid settlements, cross-border payments, simplicity of integration, or customer care, the gateways mentioned above provide sound alternatives to drive your growth. Spend some time to compare your unique needs, and you will be well on your way to choosing a payment partner that drives both trust and transactions.
FAQs
What papers do I need to establish a payment gateway?
Typical documents are PAN card, proof of business registration, bank account number, GST certificate (if needed), and proof of address. Terms can vary slightly from provider to provider.
Can I make international payments with Indian payment gateways?
Yes, gateways such as Razorpay, PayPal, PayU, and Stripe offer international payments and multiple currencies. Always check for RBI compliance and foreign transaction fees.
How much time do payments take to be received in my account?
The settlement cycle depends on the provider—usually 1 to 3 working days. Some providers provide same-day or instant settlements for a small amount extra.
What is the difference between a payment processor and a payment gateway?
A payment gateway facilitates the interface between your app/site and the bank to securely pass payment information. A payment processor, however, processes the actual transaction authorization and fund transfer. Some products provide both in one.
Can I provide EMI options to my customers using a payment gateway?
Yes, several Indian gateways such as CCAvenue, Razorpay, and PayU do facilitate credit card EMIs and no-cost EMIs through specific banks, which makes the process simpler to convert purchases of large amounts.
