Top 10 Payment Gateways in India

E-commerce is growing at a large scale in India and across Asia. Gone are the days when being able to receive payment online in India was a tremendously challenging task. Now there has been a remarkable transformation in the market with the introduction of online payment gateway.

If you are planning to give your startup or small business or a Brand the online platform to grow, there would definitely be a question in your mind about which Payment Gateway to choose for your business. But worry not, our experts have come up with a list of top 10 payment gateways in India that will be the best for you. Although we don’t recommend or rank any, for information awareness, we have tried to gather a few right here.

So without further ado, let’s check it out!!!

List of Top 10 Payment Gateways in India


1) Razorpay

Top 10 payment gateways in India

Razorpay is a payments solution available only in India (as of now). With this payment gateway, you can collect recurring payments & share invoices etc. – all in a single platform.

  • Unicorn Startup with 1Bn $ valuation with 200Mn+$ Funding till date
  • Helped 8,00,000+ businesses to solve the problem of digital payments
  • Payment modes including credit card, debit card, net banking, UPI, and popular wallets
  • RazorpayX – Razorpay’s business banking arm makes an end to end money movement easier
  • Manage your marketplace, automate bank transfers, collect recurring payments, share invoices and avail working capital loans

Check it out:

2) CCAvenue

CCAvenue is one of the prevalent payment gateways in India. Here is what it offers:

  • 200+ payment options that include 6 Credit Cards, 58+ Net Banking, 98+ Debit Cards, 12 Prepaid Instruments,13 ATM Cards, 14 Bank EMI
  • Supports 27 major foreign currencies, like Indian Rupee, American Dollar, Singapore Dollar, Pound Sterling, American Dollar, Bahraini Dinar, UAE Dirham and many more
  • 18 Major Indian & International Languages.
  • Zero initial setup fee.
  • Rs.1200 annual maintenance fee
  • Mobile App Integration: Android, iOS, and Windows thus enabling you to serve customers in some major global markets even outside India.
    Check it out:

3) PayUmoney

Top 10 payment gateways in India

PayUmoney provides a cutting edge state-of-the-art payment gateway solutions to online businesses through its award-winning technology. It is a subsidiary of the conglomerate PayU India

  • A wide range of payment options includes debit and credit cards from all card associations, 50+ net banking, UPI payment mode as a default checkout option and digital wallets.
  • Secure with 128 bit SSL encryption and two-factor authentication.
  • Zero initial setup fee.
  • Zero annual maintenance fee.
  • App-ready with mobile SDKs for Android and iOS platforms.
  • Faster activation time. They aim to give a safe and secure environment that allows anybody to make or receive payments.
    Check it out :

4) Instamojo

Top 10 payment gateways in India

Instamojo is one of the fastest growing commerce enabling Payment platform. It is a full-stack transactional platform that is leading in payments & e-commerce for merchants in India.

  • Accept All Payment Modes including Debit Card, Credit Card, Net banking, UPI, Wallets, and NEFT.
  • Encrypted and Safe PCI-DSS Compliant Payments
  • Zero initial setup fee.
  • Zero annual maintenance fee.
  • International Payment / Credit card Not supported
  • No multi-Currency Support.
  • No Mobile App Integration. API Driven Integrations. It’s flagship products being ‘payment links’ & ‘free online store’ that helps ease the processes for small & Medium businesses to get online.
    Check it out:

5) EBS

Top 10 payment gateways in India

EBS or E-Billing Solutions is the foremost secured online service suppliers in the world. It is the first Indian online payment service provider to attain the PCI DSS 3.0 standards of compliance. It is additionally certified by security and process adherence followed and audited by ISO 27001- 2013 standard.

  • 100+ payment options that include 6 Credit Cards, 50+ Net Banking, 73 Debit Cards, 13 ATM Cards, 8 Prepaid Instruments, 8+ Bank EMI
  • The most secure Portal
  • Zero initial setup fee.
  • Rs.1200 annual maintenance fee (1st year waived off).
  • Supports 11 major foreign currencies.
  • Supports 7 different Indian Languages (including English).
  • Easy integration. (Mobile App integration only available on request)
  • 24 Hours activation. EBS offers a decent UI and a good extent of payment processing choices.
    Check it out:

6) DirecPay

Top 10 payment gateways in India

DirecPay is the largest payment gateway service provider in India. The platform is a one-stop payment gateway solution for merchants who conduct online transactions or e-commerce.

  • Payment options available are Credit Cards, Debit Cards, Net Banking, NEFT, RTGS, UPI & Cash Card, Etc.
  • Encrypted and Safe PCI-DSS Compliant Payments.
  • Not specified annual Maintenance fee.
  • International Payment / Credit card Supported with an additional refundable security deposit
  • Multi-Currency supported.
  • Overnight integration. Mobile App Integration available.
  • One day Activation The platform allows merchants to accept payments through online payment portals with ease.
    Check it out:

7) Cashfree

Top 10 payment gateways in India

Cashfree is India’s highly trustworthy and merchant-friendly payment gateway. Cashfree offers easy-to-use payment UI. It charges the lowest per transaction charges in India (For 70+ Net banking options)

  • Payment option includes any card, 70+ Net banking options, UPI, Paytm & other wallets, EMI and Pay Later options.
  • Zero initial setup fee.
  • Zero annual maintenance fee.
  • Supports up to 40 foreign currencies.
  • Next day settlements.
  • Easy Integrations and mobile SDK available.
  • One-day activation. No annoying prompt for additional customer details and Customize the color and logo of your payment page as per your site design makes it best user-friendly Platform.
    Check it out:

8) MobiKwik

Top 10 payment gateways in India

MobiKwik Payment Gateway accepts payments through widespread Net Banking, Wallets, EMI, UPI, and almost all Indian and international MasterCard, Visa, Diners card, Discover, American Express.

  • Supports major credit and debit cards, 50+ Net banking portals, International Cards, e- Wallets & Electronic – COD.
  • Negotiable initial setup fee.
  • Negotiable annual maintenance fee.
  • No multi-Currency support.
  • Encrypted and Safe PCI-DSS Compliant Payments.
  • Easy web Integrations and mobile App Kits available.
  • Claims Best conversion rate
  • Lesser per transaction charges after Cashfree. Negotiable. It is used by online portals like TicketGoose, YepMe, ShopClues, and Snapdeal.
    Check it out:


Another astonishing payment gateway, which is the ultimate choice to solve problems in NEFT / IMPS / RTGS mode of transition is Paysharp. To be more specific, it is a B2B payment gateway and yes, they don’t charge by percentage per transaction.


  • They provide swift and convenient transitions that are Encrypted. 
  • Do not charge by percentage per transaction but a fixed flat fee per transaction.
  • An ideal solution for B2B customers as they make payment settlements on the same working day. 
  • Allow accepting the payments via different modes (NEFT / IMPS / RTGS) without high transaction charges. 
  • Hassle-free setup with the support of expert assistance.  
  • Provides an option to pay per transitions depending upon the subscription plan, so if you have a prepaid annual plan there will be no amount involved per transition, you will receive a customized prepaid plan based on volume, plus you will receive the complete amount in your bank account without any deduction.

Check it out https: 

10) PayPal

Top 10 payment gateways in India

PayPal is a global payment platform available in almost 200+ countries. If You aim to go international with your business collecting payments from international consumers, then Paypal is your best payment gateway option. PayPal does not support or recognize Indian currency, therefore you need to choose an international currency as the base currency.

  • Payment methods available are Visa, MasterCard, American Express, Discover, JCB & Diner’s
  • Supports multi-Currency. Paypal does not recognize Indian Currency, Rupee. And thus, can only accept international payments by setting base currency as US dollars or other.
  • Zero initial setup fee.
  • Zero annual maintenance fee.
  • Encrypted and Safe PCI-DSS Compliant Payments.
  • Easy web Integrations and mobile App Integration available. In India, Users use PayPal to receive Payments from foreign customers only as due to banking regulations an Indian company cannot accept Indian credit cards via PayPal.
    Check it out:

Conclusion Now a dealer in a remote village or town can easily set up an e-commerce website that accepts online payment at the click of a button. The list is not meant to review or rank each of the payment gateways but based on small research and scrutiny we try to bring you some of the best payment portals for you. And also there are many other gateways available for example Payoneer, PayTM, Oxigen Atom payment, CitrusPay, Etc.