best online payment gateways in India
    Top 10+ Best Payment Gateways in India

    We live in a time where digital payments are the new normal. Merchants and retailers at all business levels now prefer to handle their payments digitally. From large scale organizations to the roadside vendors, every seller is now equipped with a digital wallet. There are around more than hundreds of digital wallets and online payment gateways in the market. Many of these payment gateways can be accessed with zero setup fees, excluding the premium features.

    Online payment gateways provide a secure and competent medium to merchants all over the world. Startups these days heavily rely on digital sources to ease their entrance into the industry. Our research into the online payment gateway in India has unveiled factors that could assist SMEs in generating more revenue. This data has led us to the top 10 payment gateways, which we have listed below.

    How to Choose the Best Payment Gateway in India?

    Setup And Transaction Costs

    It would be quite simple to choose the best payment gateway in India for small business based on cost alone. Some of the popular payment gateway, such as PayUBiz have high transaction charges. Various others like CCAvenue, provide free setup and annual maintenance, but has high transaction charges (4% or more).

    In such cases, one has to compromise and look for payment gateway with lower transaction fees. Startups might have to settle on free setup and annual maintenance fees. Additionally, they could look into the payment gateways that require them to pay lower transaction fees (2-3%).

    Multi-Currency Support

    The majority of the emerging Indian Digital SME’s get their business from foreign countries. For this purpose alone, they require multi-currency support, where the merchant and customers both can make a transaction in the desired currency. Select online payment gateways allow the user to collect and make payments in more than 100 currencies. They also allow consumers to use international credit/debit cards for making payments.

    Lengthy Payment Process

    Some of the payment gateways ask the customers to sign up, which adds more steps to making a payment. Numerous customers, when asked to create an account, would choose to quit the application or stop using the website. This hammers in need of a quick and efficient payment gateway.

    Customer Support

    Customer support is the crux of a successful business. First, get in touch with customer support during the holidays. You will discover that many do not provide support on holidays, which can leave you in a bind. This way, you can eliminate a few payment gateways.

    Also, check the reviews for the payment gateway. It will help you understand the ins and outs with how effectively they can handle stuck transactions and delayed transactions. It will also shed light on how quickly the issues are resolved.

    Authenticity and Security

    Authenticity is one major hurdle to cross. To do so, you have to select a brand that dominates the industry. While that would cross one factor off the list, it would still cost you pretty bucks. Customers are quick to trust well-known payment gateways. They’ll try a newly launched product from a brand before they choose a product from an unfamiliar source.

    Cash/Pay On Delivery

    There are other simple factors to be considered, such as whether the payment gateway offers its clients Cash on Delivery or not. Technology might be developing at a rapid pace, but Indians are still reluctant to trust digital payment modes. The fear of their accounts being hacked into is genuine. Cash/Pay on delivery assures them about the authenticity of the payment gateway building trust.

    Multiple Gateways

    Several gateways offer free services. It provides SMEs with a unique opportunity. While you may trust one payment gateways, consumers don’t usually feel the same about it. Providing them with more options increases the chances of them acquiring your services and completing the payment.

    We’ll now dive into the top 10 payment gateways in India. For further ease, we have also provided the android and iOS application links that the payment gateways have made available.

    List of Top 10 Payment Gateways in India

    PayU Payment Gateway Services

    PayU Payment Gateway Services

    PayU, earlier known as PayUMoney, is an internet brand owned by Naspers Limited. Naspers also owns the popular eCommerce retail portal OLX. PayU launched LazyPay in 2017, another venture that has done well in India.

    LazyPay allows users to use services now and pay later. A year before that, PayU purchased Citrus Pay. PayU was introduced to the India industry by Ibibo in 2011. It wasn’t until 2014 that PayU detached from Ibibo and set base as a separate payment gateway in India.

    Setup ChargesFree
    Annual Maintenance FeesFree
    Supported Credit/Debit CardsAmex, Diners, Maestro, Mastercard, Rupay, and Visa.
    International CardsSupported
    Multiple Currency SupportPayments are made and accepted in 100+ currencies including, Arab Emirates Dirham (AED), Australian Dollar (AUD), Bahraini Dinar (BHD), British Pound (GBP), Euro (EUR), New Zealand Dollar (NZD), Singapore Dollar (SGD), US Dollar (USD), and several others.
    PayU Contact DetailsPhone: 0124-6624801
    Chat: PayU Support
    Customer SupportAvailable the whole week (Verified)


    • Instant activation without providing a lot of information.
    • An ideal transaction experience with features such as auto OTP reading, dynamic switching, and magic retry.
    • Zero downtime facilitates better conversion rates.
    • Quick integration with developer-friendly plugins, SDKs, and APIs.

    Top Clients

    NETFLIX, Airbnb, Bookmyshow, Myntra, Goibibo, Redbus, Ola, and others.

    Mobile Applications

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    Instamojo Payment Gateway Services

    Instamojo Payment Gateway Services

    Launched in 2012, Instamojo was initially used to provide quick payment links on the internet. This link was used to complete the payment with the provided payment modes. The company was founded by the enigmatic trio Akash, Aditya, and Sampad. Instamojo might have started as a payment solution, but as of now, it has branched into a business that provides companies custom tools.

    Setup ChargesFree
    Annual Maintenance Fees:Free
    Supported Credit/Debit CardsMastercard, Maestro, Rupay, Visa.
    International CardsAmerican Express, Mastercard, Visa.
    Multiple Currency Support:Not Available
    InstaMojo Contact
    Customer SupportAvailable


    • A 98% transaction success rate, which makes it a popular choice.
    • Higher customer satisfaction with more than 100 payment modes.
    • Developer-friendly integration with APIs and plugins.
    • A customer-friendly user interface and also complete transparency in payments.

    Top Clients

    Adani Realty, B2X, Dunzo, 91Springboard, and Urbanclap.

    Mobile Applications

    CCAvenue Payment Gateway Services

    Instamojo Payment Gateway Services

    CCAvenue was launched in 2001 by Vishwas director of Infibeam Avenues Limited. The online gateway doesn’t just run businesses, it also powers various government and political websites in India. It’s headquarter is located in GIFT city, Gandhinagar.

    Setup ChargesStartup Pro Plan: Free
    Privilege Plan: Rs. 30,000
    Annual Maintenance FeesFree for the first financial year till April 1st, after which, ₹1200 is charged per year.
    Supported Credit/Debit CardsDebit: Mastercard, Maestro, Rupay, Visa issued in India.
    Credit: American Express, EzeClick, Diners, Mastercard, Rupay, Visa.
    ATM Cards: Andhra Bank, Axis Bank, Canara Bank, Central Bank Of India, ICICI Bank, IDFC first Bank, Indian Bank, Indian Overseas Bank, Punjab National Bank, Union bank Of India, Suryoday Small Finance Bank, Syndicate Bank, UCO Bank.
    International CardsMasterCard, and both Visa Credit and Debit cards.
    Multiple Currency Support27 multi-currencies which are American Dollar, Australian Dollar, Bahraini Dinar, Baht, Bangladesh Taka,Canadian Dollar, Chinese Yuan Renminbi, Euro, Hong Kong Dollar, Indian Rupee, Japanese Yen, Kenyan Shilling, Kuwaiti Dinar, Malaysian Ringgit, Mauritius Rupee, New Zealand Dollar, Nepalese Rupee, Omani Rial, Philippine Peso, Pound Sterling, Qatari Riyal, Saudi Riyal, Singapore Dollar, South African Rand, Sri Lankan Rupee, Swiss Franc, and UAE Dirham.
    CCAvenue Contact DetailsPhone: +91 22 67425555 / 42465555
    Customer Support:Available 24/7 the whole week (Reliable)


    • Optimized payment gateway with more than 200 payment options.
    • With the addition of a multilingual page, it has expanded its range.
    • Effective implementation of retry option and smart dynamic routing.
    • Highly secure and seamless iframe integration.

    Top Clients

    Makemytrip, Yatra, Jabong, Myntra, Snapdeal, Union Ministry of IT, Peta India.

    Mobile Applications – Not Available

    HDFC Payment Gateway Services

    HDFC Payment Gateway Services

    HDFC is India’s leading payment gateway. It is a subsidiary of the award-winning HDFC Private Bank. The bank has deep roots in the history of India and has been around since its launch in 1994. SMEs with a large number of daily transactions can benefit from HDFC’s external payment interface.

    Setup ChargesRs. 20,000
    Annual Maintenance Fees:Rs.10,000
    Supported Credit/Debit CardsAmex, Diners, Discover, EasyShop, JetPrivilege, JCB, Master, Visa.
    International CardsSupported
    Multiple Currency SupportPayment can be collected and made through top 16 global currencies.
    HDFC Contact DetailsPhone numbers for respective cities available here: HDFC customer care
    Visit the Merchant Services Page to get merchant help-desk email ids assigned to your city.
    Customer SupportIVR services available 24/7 and agents are available from 8 am to 8 pm.


    • Wide range of payment and collection services, ranging from SmartHub for merchants to PayZapp for business.
    • A familiar customer-friendly interface, making payments simpler.
    • High compatibility with existing applications, including online shopping carts.
    • Around the clock dedicated support team to troubleshoot all of your problems.

    Top Clients

    IRCTC, Sify, VSNL, and others.

    Mobile Applications

    EBS Payment Gateway Services

    EBS Payment Gateway Services

    EBS was known as Ogone before its acquisition by Ingenico Group in 2013. Ingenico E-payment Gateway Services (EBS) came into existence in 2014. It is a subsidiary of the Ingenico Group, headquartered at Mumbai.

    Setup ChargesRs. 20,000
    Annual Maintenance Fees1st year: Free
    2nd year onwards: Rs. 1200
    Supported Credit/Debit CardsCredit:Mastercard, Visa.
    Debit: Maestro, Mastercard, Rupay, Visa.
    International CardsAmerican Express, Diners, JCB, MasterCard, and Visa are available on request.
    Multiple Currency SupportAvailable on request, supports 11 major currencies, American Dollar (USD), Arab Emirates Dinar (AED), Australian Dollar (AUD), British Pound (GBP), Canadian Dollar (CAD), Euro ( Eur), Hong Kong Dollar (HKD), Indian Rupee (INR), Omani Rial (OMR), Qatari Rial (QAR), and Singapore Dollar (SGD).
    EBS Contact DetailsInternational Payments:
    Phone Numbers: +91-022-66528600. Also, visit the Contact Us page for numbers relevant to your city.
    Form more information on payment gateway contact: +91 8657535498.
    Customer SupportAvailable on weekdays only.


    • An innovative approach to fraud and prevention on every transaction.
    • More than 100 payment options, including AutoPay and Smart Routing.
    • A hassle-free turbo checkout for loyal customers.
    • A multilingual responsive web page, with 7 local languages.

    Top Clients

    Backwater Ripples, J & K Tourism Development Corporations, Kerala Gods Own Country, Paaneri Andheri, Sikkim Tourism, Travel Port.

    Mobile Applications: Not Available

    Atom Payment Gateway Services

    Atom Payment Gateway Services

    Atom Payment Gateway has been around since 2006. Headquartered at Mumbai, it is a flagship company of Financial Technologies Group. In 2019 NTT Data, a Tokyo-based IT service provider, became a major stakeholder in the company.

    Setup ChargesRs.10,000
    Annual MaintenanceFees Rs.5000
    Supported Credit/Debit CardsAccepts all major cards including, American Express, Mastercard, RuPay and Visa.
    International CardsMastercard and Visa
    Multiple Currency SupportSupported
    Atom Contact DetailsEmail:
    Phone: 1860 233 4959
    +91 22 6686 4095
    Customer SupportAvailable 24/7


    • Affordable transaction charges compared to other payment gateways.
    • Zero downtime, quick issue resolution, and seamless payment experience.
    • Highly secure transactions with PCI DSS v 3.2 and 256-bit encryption.
    • More than 265 payment options facilitating better sales.

    Top Clients

    Angel Broking, BSNL, Cafe Coffee Day, Himalaya Herbal Healthcare,, Manipal University, Reliance Securities Ltd, SpiceJet and others.

    Mobile Applications

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      DirecPay Payment Gateway Services

      DirecPay Payment Gateway Services

      Launched in 2008, DirecPay has been providing affordable payment solutions to websites all over India. As an SME, itself, it has a better hold on the needs of SMEs in India. DirecPay headquarters is located in Navi Mumbai.

      Setup ChargesFree
      Annual Maintenance Fees:Free
      Supported Credit/Debit CardsCredit: Amex, Diners Club International, Master card, Visa.
      Debit: ABN-AMRO Bank, Allahabad Bank, Andhra Bank, Axis Bank, Bank of Bahrain and Kuwait, Bank of Baroda, Bank of India, Bank of Maharashtra, Bank of Punjab, Bank of Rajasthan, Barclays Bank, Canara Bank, Catholic Syrian Bank, Central Bank of India, Citibank, City Union Bank, Corporation Bank, Deutsche Bank, Development Credit Bank, Dena Bank, Dhanlaxmi Bank, Federal Bank, HDFC Bank, HSBC Bank, ICICI Bank, IDBI Bank, Indian Bank, Indian Overseas Bank, Iduslnd Bank, Ing Vysya Bank (Kotak), Jammu & Kashmir Bank, Karnataka Bank, Karur Vysya Bank, Kotak Mahindra Bank, Laxmi Vilas Bank, Oriental Bank Of Commerce, Punjab national Bank, Ratnakar Bank, Saraswat Bank, South Indian Bank, Standard Chartered Bank, State Bank of Bikaner and Jaipur, State Bank of Hyderabad, State Bank of India, State Bank of Mysore, State Bank of Travancore, Tamilnad Mercantile Bank, UCO Bank, Union Bank of India, United Bank of India, Vijaya Bank, Yes Bank.
      International CardsSupported
      Multiple Currency SupportNot Supported
      DirecPay Contact DetailsEmail:
      Phone: 9619712858
      Customer Support-


      • Customized payment gateway to ensure a customer doesn’t shy away from being redirected to DirecPay.
      • Seamless integration of your website’s shopping cart.
      • Assists in finding affordable and suitable domains, hosting, and digital marketing services.
      • Highly secure services powered by PCI DSS, VeriSign Secure, and Visa and MasterCard Secure Code.

      Top Clients, PolicyBazaar, and

      Mobile Applications: Not Available

      PayUbiz Payment Gateway Services

      PayUbiz Payment Gateway Services

      Similar to PayU, PayU Biz is also a payment gateway owned by Naspers Limited. PayU Biz is well-equipped to tackle complex SMEs, with a variety of plans. From the 100 eCommerce companies, more than 80 prefer to use PayU Biz for payments.

      Setup ChargesStart Up Plan: Rs. 4,900
      Silver Plan: Rs. 9,900
      Gold Plan: Rs. 14,900
      Platinum Plan: Rs. 19,900
      Annual Maintenance FeesRs. 2,400
      Supported Credit/Debit CardsCredit: Amex, Diners, Discover, Master card, Visa.
      Debit: Over 90 local debit cards.
      International CardsAvailable with Gold and Platinum plans.
      Multiple Currency Support13 currencies including EURO, GDP, USD, and others.
      PayUBiz Contact DetailsEmail:
      Phone (Sales): 080 42842323 / 01
      Customer SupportAvailable all weekdays


      • Equipped with features such as Auto Otp filling, and Magic Retry for better mobile payment experience.
      • Multiple payment options, from Netbaking to multi-currency gateway.
      • Tested high conversion rates for the swift growth of your business.
      • Implementation of smart analytics for traking data.

      Top Clients

      Bookmyshow, Grofers,,, Ola, Pepperfry, Snapdeal and others.

      Mobile Applications: Not Available

      Zaakpay Payment Gateway Charges

      Zaakpay Payment Gateway Services

      Zaakpay was founded by Upasana Taku and Bipin Preet Singh in 2009. It is backed by the reputed investors, American Express, Bajaj Finance, Cisco Investments, GMO Payment Gateway, MediaTek, Net1, Sequoia Capital, and Tree Line Asia.

      Setup ChargesStartup Plan: Can request a Demo.
      Enterprise Plan: Contact via email at
      Annual Maintenance FeesStartup Plan: Can request a Demo.
      Enterprise Plan: Contact via email at
      Supported Credit/Debit CardsAmerican Express, Diners Club International, Discover, Master card, Rupay, and Visa.
      International CardsSupported
      Multiple Currency SupportNot supported
      Zaakpay Contact DetailsEmail:
      Customer SupportAvailable


      • Easy one-time payment integration with ample payment options.
      • A mobile-friendly gateway designed for SME clients.
      • Seamless integration, Smart Analytics, and best conversion rates.
      • Additional security with PCI DSS to protect all transaction data.

      Top Clients

      BlueDart, Dominos, EaseMyTrip, Uber, and Zomato.

      Mobile Applications

      Paytm Payment Gateway Services

      Payment gateways earned recognition in India with the launch of Paytm in 2010. Paytm’s above reproach services built trust within the Indian community. It has reached its peak and continues to expand at a fast pace, due to the company’s efforts.

      Setup ChargesFree
      Annual Maintenance FeesFree
      Supported Credit/Debit CardsMaster card, Maestro, Rupay and Visa.
      International CardsAvailable on request.
      Multiple Currency SupportAvailable on request.
      Contact DetailsPhone (Existing Customers): 0120-4440440
      Contact us Form Link: Paytm Support.
      Customer SupportAvailable all weekdays (Verified)


      • A comprehensive billing and payments solution, with same-day settlements.
      • An Intuitive Interface for better payment experience.
      • Secured with PCI-DSS with 128-bit encryption against fraud.
      • Instant Account activation without documents and any charges.

      Top Clients, Dominos, Mint, Pizza Hut, Spotify, Samsung, and Uber.

      Mobile Applications

      Razorpay Payment Gateway Services

      Razorpay Payment Gateway Services

      Razorpay provides first-rate payment services since it was launched in 2013. The company is headquartered at Bengaluru. Thirdwatch, a software company launched in 2016, and Opfin Software Private Limited launched in 2017, are subsidiaries of Razorpay Software Private Limited.

      Setup ChargesStandard Plan: Free
      Annual Maintenance FeesStandard Plan: Free
      Supported Credit/Debit CardsAmerican Express, BAJAJ, DICL, Maestro, Mastercard, Rupay, Visa.
      International CardsAll major international cards are supported.
      Multiple Currency SupportPayments can be made and collected through 100+ currencies including Albanian Lek, Arab Emirates Dirham, Armenian Dram, Argentine Peso, Aruban Florin, Australian Dollar, Barbadian Dollar, Bangladeshi Taka, Bermudian Dollar, Brunei Dollar, Canadian Dollar, Chinese Yuan Renminbi, European Euro, Hong Kong Dollar, Mexican Peso, New Zealand Dollar, Norwegian Krone, Pound Sterling, Russian Ruble, Singapore Dollar, Swedish Krona, United States Dollar, and others.
      Razorpay Contact DetailsPhone: 1800-123-1272
      Customer SupportAvailable on weekdays from 9 am to 6 pm.
      Enterprise Plan: 24/7 Support


      • Globalized payment experience with maximum payment options.
      • Effective implementation of features, such as running offers and quick checkout.
      • An easy integration process for a wide range of platforms and applications.
      • A user-friendly dashboard and interface, to trace analytics.

      Top Clients

      Breathing room, FreshToHome, Marrow, Quikr.

      Mobile Applications

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      What is the difference between a Payment Gateway and a Payment Wallet?

      The progress in the digital payment industry each day adds more terminologies to the dictionary. Payment gateways are often confused with payment wallets. While they are both used to provide efficiency payment, payment gateways are more complex.

      Payment Wallets, also known as electronic wallets or digital wallets are digital applications that allow users to store money. They simplify the payment process, excluding the need for repeated filling of credit/debit card details. Payment wallets are commonplace these days, as they are available for both android and iOS devices.

      Online payment gateways, on the other hand, implement transfer through net banking or external payment service providers. Payment gateways act as a medium between the eCommerce and online retailers making payment via the credit or debit cards. Online payment gateways have evolved in a manner that they now allow payments through EMIs, international and domestic cards, digital wallets, etc.

      How to Integrate Payment Gateway with a Website?

      When you visit the official websites of payment gateways, you’ll notice they have a separate web page designated for integration. Once you decide on a certain payment gateway, you should reach out to a trusted Web Development company in Mumbai, they’ll be able to assist you in integrating the payment gateway with your website. In case you are running a website on CMS, you can find suitable plugins and API provided by the payment gateway.

      We have provided integration links for some of the top 10 payment gateways in India below;

      What are the types of Payment Gateways?

      There are five types of payment gateways. We’ll quickly take a look at each of them.

      • Hosted Payment Gateway

      This type of gateways uses 3rd party services like PSP (Payment Services Provider) to complete payment/transactions. The user is taken away to the PSP page for payment after the payment details are filled and verified. After verification, payment is made. Once the payment is successful, we come back to the eCommerce website.

      • Self-Hosted Payment Gateways

      Details such as credit/debit card, e-wallet, and customer details are collected by the eCommerce website. These details are forwarded to the payment gateway over a secure URL.

      • Non-Hosted Payment Gateways (Integrated Payment Gateway)

      These use HTTP queries services or API. Person’s details are collected and filled during checkout, then processed via either HTTP or API.

      • Direct Payment Gateway

      These involve payment via local banks. Customers are taken to their bank websites for completing payment. Once the payment is completed, they are taken back to the eCommerce website.

      • Custom Payment Gateway

      Payments gateways such as’s Amazon Pay custom-built for a particular website are known as custom payment gateways. They are more flexible and can be updated according to the merchant’s requirements.

      How many Payment gateways are there in India?

      There are over 100 payments gateways available in the Indian market. Some of you must have even heard about a few such as Paypal, Zoho Checkout, Braintree, Amazon payments. These apps are in the top 20 payment gateways, but they didn’t make this list of top 10 payment gateways in India for small businesses.

      Which are the cheapest Payment Gateways in India?

      For domestic transactions, Cashfree Payment Gateway offers 1.75% transaction charge, per transaction on digital wallets, MasterCard, Rupay, Maestro, and Visa. For international card payments (MasterCard and Visa), the transaction charges set by Cashfree are high, at 3.5%+ ₹ 7 on each transaction.

      We have seen many on the top 10 payment gateways lists that provide merchants with cheaper international transaction rates and 2% on domestic transactions.

      Blog Author
      Nirav Dave

      Nirav Dave is the Co-Founder & Partner at Capsicum Mediaworks, an SEO Agency based out of India that specializes in all things Web Design & WordPress Development. He Worships WordPress and Loves to read anything and everything about this exceptional CMS.

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