The mode of shopping and the payment of products have been radically transformed in India, with more businesses taking up the online platform. For any business with products or services that are sold via the internet, providing a way for customers to pay for goods and services in a secure and timely fashion is crucial.
This is where a payment gateway comes in it bridges the gap between the buyer and the seller to allow for smooth and secure transactions between the two. If you have an eCommerce store, if your business deals with subscription-based services, or if you have a startup, choosing the right payment gateway is essential to ensure smooth operations. When in India, where digital payments are growing in popularity and people tend to move towards UPI transactions, employers need reliable, convenient, and effortless gateways.
In this blog, we will present the best Payment Gateways in India for 2025 that will assist you in making the right decision about the best payment gateway for your business.
What is the Reason for Using a Payment Gateway in India?
- Secure Transactions: They encrypt customer data, thus minimising fraud and security.
- Many modes of payment: EMI, net banking, wallets, UPI, and credit/debit cards are all supported.
- Instant Payment Confirmation: Current transaction information updates customer trust.
- Quick Settlements: Quick fund transfers to your business account can be done in 1-2 days.
- Scalability: All business sizes, from startups to large enterprises, can work with this.
List of 20 Best Payment Gateways in India
1. Razorpay
Razorpay is a powerful all-in-one payment gateway providing services for startups, SMES and large enterprises. It provides a wide choice of payment methods, including wallets, UPI, credit/debit cards, and net banking.
With such features as automated settlement, smart routing, and instant refunds, it makes it convenient for businesses to accept and process online payments securely. Razorpay also provides other services such as business banking through RazorpayX, payroll management, and working capital loans, hence being a complete financial solution to businesses in India. It’s particularly beneficial for entrepreneurs exploring automated business ideas, offering tools that support seamless financial operations and scalability.
Key Features:
- Accepts wallets, UPI, debit cards, credit cards, and more.
- Intelligent routing for higher success rates.
- Instant refunds.
- Automated settlements.
- Razorpayx for seamless business banking.
- Multi-currency support for international payments.
- In-depth analytics and reports for business insight.
Pricing:
- 2% for domestic cards and UPI.
- 3% for international cards.
- ₹0 for setup.
- GST of 18% is applicable on fees.
2. Paytm
It has backing from Paytm, gives businesses seamless integration so that they can be able to accept payments via the use of wallets, UPI, cards, and EMI options. With high success rates on transactions, Paytm guarantees ease of use and security for merchants and customers.
It also provides for recurring billing, hence suitable for subscription businesses. The platform integrates with several devices and offers ample protection from fraud, which assists businesses in alleviating risks. Paytm Payment Gateway is an efficient payment processing solution that is robust and flexible for any size of business.
Key Features:
- High transaction success rate.
- Easy UPI integration.
- Recurring billing support.
- Extensive fraud detection tools.
- Works across all devices.
- Instant settlements.
- 24/7 merchant support.
Pricing:
- 1.99% plus GST – card and net banking.
- 0% for UPI transactions.
3. CCAvenue
With over 200 payment choices and support for 27 languages, it is among the most reliable online payment gateways in India. With extensive features such as the multilingual checkout and the dynamic currency converters, it is suitable for domestic and overseas companies.
CCAvenue is a secure, flexible platform with PCI DSS compliance, which is why it is chosen by millions of merchants. The advanced analytics and retry options of failed transactions by the gateway assist in enhancing the rate of successful transactions, providing a complete solution for businesses to extend their payment options.
Key Features:
- Multilingual checkout.
- Dynamic currency converter.
- Smart analytics for insights.
- Retry option for failed transactions.
- PCI DSS compliance.
- Multiple payment method support.
- Subscription and invoice payment management.
Pricing:
- 2% for domestic transactions.
- 3% for international transactions.
4. Cashfree Payments
Cashfree Payments is one of the most trusted Indian payment gateway platforms with an active base of over 800,000 businesses. Famous for its fast onboarding and developer-friendly integration, it allows for smooth collection of payments and payouts.
Cashfree is a suitable solution for businesses that are looking for stable and scalable solution that will support 120+ payment modes such as UPI, cards, net banking, wallets, and international payments. It provides instant refunds, virtual accounts, and API banking tools, and as such makes a total payment and banking suite. The platform further offers instant settlements as well as customizable pricing to enterprises.
Key Features:
- Instant refunds and settlements
- 120+ payment modes
- Global payment support
- Virtual bank accounts
- API banking integration
- Developer-friendly SDKS and plugins
- Dedicated account manager for enterprises
Pricing:
- 1.95% per transaction for cards and wallets,
- Includes 0% for UPI (standard)
- 2.95 % for international cards.
5. Instamojo
Instamojo is a one-stop shop to launch an online store, accept payments online and do more for small businesses, creators and independent brands. Using payment links and smart pages, it allows merchants to accept payments without a website, making it an ideal place for beginners to start.
Instamojo also offers digital product deliverables, subscription, custom online store builder with various plans to grow as your business gets big. There is no need to code to set up your store, WhatsApp integration and discount coupons are available to increase engagement and sales.
Key Features:
- Payment links and smart pages
- No website required
- Online store builder with templates
- Payment support: UPI, card, and EMI.
- Recurring payments and subscriptions
- Digital product delivery
- WhatsApp and analytics integration
Pricing:
- 2%+ INR 3 per transaction in the Growth plan
- Store plans are available for free and premium.
6. PayPal
PayPal India is a globally known payment gateway, which is perfect for businesses that deal with overseas clients. It is highly popular for cross-border transactions and is highly protective to both the Buyer and the Seller. With support for multi-currency, sophisticated fraud prevention mechanisms, and invoicing tools, PayPal makes international commerce easier.
Even though it does not facilitate domestic transactions in India, it continues to be a favourite option for freelancers, exporters, and e-commerce platforms that would need to receive international payments. Its straightforward fee system and security arrangement make it a reliable system for international payments.
Key Features:
- Global reach
- Multi-currency support
- Secure international payments
- Advanced fraud protection
- Invoicing tools
- Buyer and seller protection
- Trusted brand recognition
Pricing:
- 4.4% international transaction
7. PayU India
Over 5 lakh businesses and industry titans like Netflix and Airbnb rely on PayU India, the leading payment gateway. It not only supports more than 150 modes of payment but also UPI, credit/debit cards, wallets, and EMI. With a smart analytics dashboard, subscription billing, one-tap checkout and instant refund, Payu makes payment processing easier for all businesses of any scale.
Its easy compatibility with the popular CMS systems and real-time reconciliation property make it particularly appealing to the eCommerce and SaaS platforms seeking scalability and efficiency.
Key Features:
- Smart analytics dashboard
- Subscription billing
- One-tap checkout
- Real-time payment reconciliation
- Instant refunds
- Easy CMS integrations
- Priority settlements
Pricing:
- 2% for domestic
- 3% for international transactions
8. Juspay
Juspay is a state-of-the-art payment orchestration platform for scale, speed, and mobile excellence. It facilitates millions of UPI and card-based transactions of top Indian businesses through its lightweight SDK and low-code integration. Juspay’s smart retry mechanisms and easy checkout experience make it fewer drop-offs hence ideal for large volumes of mobile commerce.
The platform has tokenisation, real-time analysis and strong API documentation, which is for developers and enterprise teams, providing flexibility and performance in one!
Key Features:
- Hyper-optimised mobile UX
- Smart retry for failed transactions
- Tokenisation and card vault
- Low-code integration SDKs
- Scalable APIs for enterprises
- Real-time payment analytics
- PCI-compliant secure infrastructure
Pricing:
- Custom pricing
9. Pine Labs
Pine Labs is a leading payments platform that is famous for its in-store POS and online payment solutions. It allows businesses to enable EMI on debit and credit cards, integrations with loyalty programs, and frictionless conversion from digital to physical payment.
Pine Labs, with the backing of QR, UPI, card payments and rewards, facilitates merchants in sectors such as retail, healthcare, and hospitality. It’s a single platform that offers multi-channel payment, inventory sync, and advanced reconciliation, so it is a good option for omnichannel businesses.
Key Features:
- EMI facility on credit/debit cards
- POS and digital payments integration
- QR code and UPI acceptance
- Loyalty and reward program support
- Multi-channel payment support
- Inventory and payment sync
- Unified reporting dashboard
Pricing:
- Custom pricing
10. Mobikwik Payment Gateway
Mobikwik provides a mobile-first payment gateway that places a great deal of emphasis on ease of use and speed, with the availability of credits. It is compatible with wallets, UPI, and cards that have added functionalities of Buy Now, Pay Later (BNPL) and immediate refunds. With strong mobile SDKs and a smooth onboarding, Mobikwik is suitable for startups and app-based businesses which need speedy deployment. It integrates smooth customer experiences with cutting-edge payment means, improving customer retention and conversion rates.
Key Features:
- Buy Now, Pay Later feature
- Mobile SDKs for easy integration
- Digital wallet and UPI payments
- Instant refunds and reconciliation
- Fast merchant onboarding
- Secure and scalable APIs
- Real-time transaction visibility
Pricing:
- 0% for UPI
- 1.75% for cards and wallets
11. Airtel Payments Bank
Airtel Payments Bank provides UPI-enabled payment service, IMPS transactions and also safe digital wallets, which are particularly good for the telecom, retail and rural trade. It facilitates QR-based payments as well as Aadhaar-enabled services for seamless payments.
The platform offers real-time settlements and is reliable, as it has a strong security structure. It is the perfect solution for the firms that are targeting the Tier II/ Tier III areas or those who would like to combine banking with telecom infrastructure for fast and easy payments.
Key Features:
- UPI and IMPS-based payments
- Aadhaar-enabled payment system
- QR code-based solutions
- Real-time fund settlements
- Mobile-first wallet integration
- Secure and compliant APIs
- High outreach in Tier II/III cities.
Pricing:
- Customizable
12. Google Pay for Business
For micro and small businesses, Google Pay for Business simplifies UPI-based payments. With an easy onboarding via the app, businesses can receive instant payments via QR codes, track the transactions and send reminders.
Its minimalist face and strong sponsorship by Google make it a reliable choice for retailers and service providers. Although perfect for local businesses, its effortless compatibility and fee-free nature are why it is a great option for all those who want to be cashless.
Key Features:
- Instant UPI payments via app
- Dynamic QR code support
- Business transaction dashboard
- Payment reminder functionality
- No hardware needed for setup
- Google-backed reliability
- Easy onboarding and KYC
Pricing:
- Free for all UPI transactions
13. BillDesk
A well-known platform for its reliability, scalability, it can handle hefty volumes of transactions with strong infrastructure and easy subsequent integrations. Financial bodies, government bodies, and utility service providers tend to prefer BillDesk based on its secure payment processing capability and robust backend support. It emphasises efficacious transaction processing with a particular concentration on authentication and security, which makes it perfect for businesses’ applications as security and amount management come first.
Key Features:
- High-volume processing
- Secure authentication protocols
- Direct debit support
- Robust APIS for integration
- Sanctioned by banks and the government services mission
- Real-time transaction monitoring
- Industry-grade encryption
Pricing:
- Custom pricing based on transaction volume.
14. Atom Pay
Atom Pay’s actionable benefits of a secure and flexible payment gateway with a large selection of modes of payment, such as cards, UPI, net banking, and EMI options.With features including IVR-based transactions and fraud-detecting algorithms, it complies with PCI DSS Level 1. Aiming at flexibility and security, Atom is applicable for businesses in various spheres, including retail, insurance, education, e-commerce, etc. The gateway offers ready-to-integrate mobile SDKs and APIs, which can be deployed in no time, offering a smooth user experience.
Key Features:
- PCI DSS Level 1 compliant
- IVR-based payment support
- Multi-bank EMI options
- Integrated fraud detection system
- iOS and Android mobile SDKs
- Instant notification alerts
- Unified dashboard for reporting
Pricing:
- 2.1% per transaction
- custom plans available
15. Easebuzz
Easebuzz is a smart and API-based payment gateway that is designed for SMEs, educational institutions, and subscription services. It comes with a lot of solutions for collection, disbursement and invoicing, all packaged in one platform. Businesses can automate invoicing and manage subscriptions while using analytics to trace payments. Easebuzz simplifies the end-to-end payment cycle, thanks to its over 150 payment options and high integration abilities. Its customizable nature and flexible charging make it a ready-made solution for enterprises that would love to grow upward with effective digital payment tools.
Key Features:
- Plug-and-play APIs for fast integration
- Bulk and automated payment disbursements
- Smart invoicing and subscription billing
- 150+ payment methods supported
- Real-time dashboard and reporting tools
- T+1 settlement cycle
- Multi-channel communication (SMS, Email, WhatsApp)
Pricing:
- Starts at 1.75% per transaction
16. Amazon Pay
It provides hassle-free integration for eCommerce systems, which allows making a checkout quicker with the help of stored credentials from Amazon accounts. Amazon Pay features built-in fraud protection and a user-friendly design to increase conversion rates and enhance customers’ confidence. It has support for wallet payments, API integration, and effortless deployment through simple SDKs. Perfect for businesses operating online and want to grow fast with a reliable infrastructure.
Key Features:
- Seamless one-click checkout
- Amazon wallet payment support
- Faster payments for existing Amazon users.
- Integrated fraud protection
- Developer-friendly APIs and SDKs
- High trust factor for conversions
- Responsive support
Pricing:
- 1.9% per transaction
17. Nimbbl
Nimbbl is a contemporary payment gateway that guarantees a one-click checkout experience adjusted to high conversion and quick payments. It has been built with the customer’s success in mind, it has BNPL integrations with major providers and custom branding to suit your business identity. Its intelligent routing of payment and the single API for multiple gateways minimises transaction failure and enhance reliability. Great for digital-first startups and D2C brands seeking to improve the checkout process.
Key Features:
- One-click smart checkout
- Buy Now, Pay Later integrations
- Custom brand theming
- Intelligent payment method detection
- Single API for multiple gateways
- Real-time analytics
- Optimised for mobile
Pricing:
- Starts at 1.75% per transaction
18. Open Financial Technologies
Open Financial Technologies provides India’s first neobanking platform that is designed for SMEs, freelancers, and startups. It integrates payment, banking, and accounts into a single interface. With such systems as virtual accounts, automated reconciliation, and GST-compliant invoicing, Open is perfect for handling collections and disbursements with minimal stress. Its API suite also allows the automation of complicated financial workflows with minimal manual overhead and enhanced cash flow transparency for developing enterprises.
Key Features:
- Integrated banking and payments
- Virtual accounts for collections
- Payout APIs for automated disbursals
- GST-compliant billing
- Automated reconciliation tools
- Business-focused dashboard
- Secure and scalable infrastructure
Pricing:
- Custom pricing as business needs.
19. Stripe India
Stripe is one of the leading companies offering global payments and now offers its localised payments to Indian businesses like UPI, cards, and wallets. Famous for its developer-first attitude, Stripe offers powerful APIs for tailor-made payment flows, subscriptions and multi-currency support. Companies can grow around the world with more than 135 currencies as well as localised compliance features. Stripe also has integrated fraud prevention, recurring billing, advanced reporting, and eCommerce analytics – ideal for SaaS, marketplaces, and global eCommerce.
Key Features:
- Highly flexible API for developers
- Smart fraud prevention tools
- Support for subscriptions and invoices
- Accepts 135+ global currencies
- Real-time dashboards and analytics
- PCI-compliant infrastructure
- UPI and Indian payment option is supported.
Pricing:
- 2% for domestic;
- 3% for international transactions
20. Zaakpay
Zaakpay is a secure and reliable payment gateway that has been tailor-made for Indian businesses, whether they are startups, SME’s or large-scale enterprises. Supported by MobiKwik, Zaakpay allows merchants to accept digital payments in various modes such as UPI, debit/credit cards, net banking, mobile wallets, Pay Later ways such as ICICI PayLater and Ola Postpaid.
Key Features:
- Instant onboarding within 24 hours
- No setup or maintenance fees
- API-friendly integration
- Encrypted transactions
- Merchant dashboard with real-time analytics
- Express refunds and subscription billing
- 24/7 support via chat and email
Pricing (Standard Plan):
- 0% per transaction for UPI and Rupay Debit Cards (platform, if any, may apply)
- 1.9% for every transaction with the following options: Visa and Mastercard, Maestro and Rupay (credit), Net Banking, and Wallets
- 2.25% for every transaction if you use ICICI PayLater, Ola Postpaid
- 2.9% of each transaction in the case of American Express and Diners Club cards.
- ₹0 setup cost
- ₹0 maintenance fee
- 18% GST ais pplicable on transaction charges
Conclusion
The choice of payment gateway can be a game-changer for the business, especially in the world of Indian digital pioneering. If you need speedy settlements, global reach, UPI-like micro-payments or you need an API to be developer-friendly friendly then a gateway exists that suits what you need.
The actual transaction volumes, preferences of the customers, and business operation model should be considered before arriving at a decision. With these top 20 best payment gateways in India, you are now in good shape to begin and organise your payment collections effectively.
FAQs
1. What is the Best Payment Gateway for small businesses in India?
Instamojo and Razorpay are some of the most popular pickings for small businesses, given ease of use and cost.
2. Is it possible to receive International Payments with the help of Indian Gateways?
Yes, gateways such as PayPal, Razorpay, and Stripe cater for international payments.
3. Which of the Payment Gateways allows free transactions through UPI?
Google Pay, Paytm, and Cashfree do not charge any fee on UPI Payments.
4. What is the settlement time of the majority of Gateways?
Typically 1-2 working days; some provide immediate or same-day payouts with an additional fee.
5. Is a website necessary for a Payment Gateway to function?
A variety of providers, such as Instamojo and Paytm, allow for payment links and no-website options.
