In the rapidly evolving digital landscape of India, payment gateways have become an integral part of online transactions. These platforms act as intermediaries between merchants and customers, facilitating secure and efficient online payments.
With the surge in e-commerce and digital payments, especially post-demonetization and during the COVID-19 pandemic, the demand for reliable payment gateways has skyrocketed. Indian businesses, from small startups to large corporations, are increasingly relying on these services to process transactions smoothly and build customer trust.
This article explores some of the best payment gateway options available in India, considering factors such as transaction fees, security features, ease of integration, and customer support.
What is a Payment Gateway?
Payment gateway meaning is that it's a technology service that facilitates online transactions by acting as an intermediary between a merchant's website or app and the financial institution that processes the payment.
There are 4 types of Payment Gateway:
- Hosted payment gateway
- API-hosted payment gateway
- Self-hosted payment gateway
- Local bank integration gateway
Here's a list of 30 Best Payment Gateway in India 2026, arranged in a table format for ease of reference:
1. Razorpay
Razorpay is a payments solution that allows businesses to accept, process and disburse payments. It is a popular payment gateway in India known for its easy integration, robust security features, and low payment gateway charges.
Details of Payment Gateway in India - Razorpay
Also Read: Razorpay Refer and Earn
2. PayU
PayU is the best payment gateway for local and cross-border payments and innovative financial services provider across 50+ emerging markets. It is a leading online payment service provider offering a wide array of payment solutions tailored for businesses of all sizes.
Details of Payment Gateway in India - PayU
3. CCAvenue
CCAvenue is South Asia's biggest payment gateway and one of the oldest and most trusted payment gateways in India. It offers a secure and reliable platform for accepting online payments through credit/debit cards, net banking, mobile payments, and multiple currency options.
Details of Payment Gateway in India - CCAvenue
4. PayPal
PayPal is a payment gateway for website that enables individuals and businesses to send and receive payments securely across borders. It is a fast and safe way to send and receive money or make an online payment.
Details of Payment Gateway in India - PayPal
5. Stripe
Stripe is a versatile international payment gateway known powering online and in-person payment processing and financial solutions for all businesses. It supports various payment methods, making it popular among businesses worldwide.
Details of Payment Gateway in India - Stripe
| Aspect | Details |
|---|---|
| Key Feature | Embeddable UI toolkitMulti-currency payoutsIn-person paymentsRecurring paymentsFinancial reporting |
| Integration Process | Integrate using APIs, SDKs, or pre-built checkout solutions |
| Payment Options Supported | CardsDigital walletsBank debits and transfersAuthenticated bank debitsBuy now, pay laterCash-based vouchersCurrenciesSubsidiary support |
| Fees and Charges | 2% for cards issued in India3% for cards issued outside India |
| Settlement Time | 6 business days from payment creation date |
6. Paytm
Paytm is India's largest digital payment app, offering a range of services including an ecommerce payment gateway for businesses. It facilitates secure online transactions through credit/debit cards, net banking, UPI, and its own digital wallet.
Details of Payment Gateway in India - Paytm
| Aspect | Details |
|---|---|
| Key Feature | Merchant ServicesCashback Offers and RewardsBank Account IntegrationInvestment and Insurance ServicesDigital Wallet FunctionalityQR Code Payments |
| Integration Process | Integrate using APIs, SDKs, or plugins for popular platforms |
| Payment Options Supported | Credit card or debit cardNet bankingUPIPaytm Wallet |
| Fees and Charges | Up to 3% on all transactions |
| Settlement Time | T+1 Settlements |
Also Read: Paytm Refer and Earn
7. Instamojo
Instamojo is a secure payment gateway integration designed for small businesses and individual sellers in India. It offers simple integration, quick setup, and supports various payment options such as credit/debit cards, net banking, UPI, and digital wallets.
Details of Payment Gateway in India - Instamojo
| Aspect | Details |
|---|---|
| Key Feature | Quick Payment Links for Instant TransactionsSecure Payment Gateway IntegrationCustomizable Checkout ExperienceAutomated Payment Reminders and InvoicesReal-Time Transaction Tracking and Reporting |
| Integration Process | Integrate using APIs, plugins, or payment links |
| Payment Options Supported | 100+ online payment modes including Google pay, Netbanking, debit & credit cards, EMI and even pay later options |
| Fees and Charges | For 'Lite' and 'Starter' plans - 5% + ₹3 transaction feeFor 'Growth' plan - 2% + ₹3 transaction fee |
| Settlement Time | 3 business days since the day of transaction |
8. BillDesk
BillDesk is a prominent integrated payment gateway in India specializing in bill payment services for utilities, telecom, insurance, and more. It provides secure and convenient recurring payment solutions for both businesses and consumers.
Details of Payment Gateway in India - BillDesk
| Aspect | Details |
|---|---|
| Key Feature | Seamless Check-outSmart Routing - switch transactions dynamicallySmart Retry - retry options with same/different payment method(s)Online RefundsNo-redirect to other pages |
| Integration Process | Integrate using provided solutions for bill payments across web, android and IOS |
| Payment Options Supported | 150+ Payment Methods including Credit and Debit Cards, UPI, Net Banking, NEFT / RTGS, Wallet / Cash Cards, Pay with Points, etc. |
| Fees and Charges | Minimum of Rs. 5, plus 18% GST |
| Settlement Time | 3-4 working days |
9. BharatPe
BharatPe is a fintech company that offers an ecommerce payment gateway and other financial services tailored for Indian merchants. BharatPe accepts digital payments with QR code-based payments, UPI payments, and enables merchants to accept payments seamlessly.
Details of Payment Gateway in India - BharatPe
| Aspect | Details |
|---|---|
| Key Feature | Easy-to-use and secure fintech productsOne QR to accept payments from multiple payment appsGet flexibility to earn up to 12% interest on balanceGet auto-settlement in your bank |
| Integration Process | Integrate using provided APIs or SDKs |
| Payment Options Supported | Multiple payment methods including QR code payments, UPI, debit cards, credit cards, net banking, digital wallets, and cash payments |
| Fees and Charges | 0 |
| Settlement Time | T+N or Instantly |
10. MobiKwik
MobiKwik is a digital wallet and best payment gateway provider in India offering a range of financial services including online payments, mobile recharge, bill payments, and more. It supports various payment methods and aims to simplify digital transactions for users.
Details of Payment Gateway in India - MobiKwik
| Aspect | Details |
|---|---|
| Key Feature | High securityGet access to financial products like instant digital loansMake instant settlements towards credit card bills Get extraordinary returns up to 12% p.a through Xtra |
| Integration Process | Access integration documentationIntegrate using APIs or SDKs provided by MobiKwik |
| Payment Options Supported | Debit/Credit cardsBanks |
| Fees and Charges | 2.5% + GST |
| Settlement Time | At least 2-3 business days |
Also Read: MobiKwik Refer and Earn
11. Amazon Pay
Amazon Pay is a digital wallet service offered by Amazon, allowing users to make payment gateway for website and apps using their Amazon account credentials. It enables quick and secure transactions, leveraging the trust and familiarity associated with the Amazon brand.
Details of Payment Gateway in India - Amazon Pay
| Aspect | Details |
|---|---|
| Key Feature | Pay bills or rechargeOrder food, medicines and moreBook travel ticketsBuy vehicle insurance |
| Integration Process | Through API, SDK or Public Key ID |
| Payment Options Supported | Credit/debit cardsAmazon Pay balanceBank accounts (direct debit)Amazon gift cardsUPI |
| Fees and Charges | 0 |
| Settlement Time | 14 days after your first payment transaction completes |
Also Read: Amazon Pay Refer and Earn
12. Google Pay For Business
Google Pay for Business is an online payment gateway provided by Google, tailored for merchants and businesses. It enables businesses to accept payments from customers using various methods, facilitating seamless transactions and streamlined financial management.
Details of Payment Gateway in India - Google Pay For Business
| Aspect | Details |
|---|---|
| Key Feature | Multiple Payment OptionsQuick SettlementsIntegration FlexibilityBusiness InsightsSecurity and Fraud Protection |
| Integration Process | APIs for websites and mobile appsSupports integration with popular e-commerce platforms and point-of-sale systems |
| Payment Options Supported | QR codes, phone number, or Tez mode |
| Fees and Charges | 0 |
| Settlement Time | between 2-3 days |
Also Read: Google Pay Refer and Earn
13. PhonePe
PhonePe is a popular digital payments platform in India, offering a wide range of services including UPI-based transactions, bill payments, mobile recharges, and more. PhonePe has gained widespread adoption due to its user-friendly interface and extensive features.
Details of Payment Gateway in India - PhonePe
| Aspect | Details |
|---|---|
| Key Feature | Quick CheckoutFacilitate digital Payments for COD ordersDynamic QR codes prevent VPA data entry errorsCollect payments easily through links |
| Integration Process | Offers APIs and SDKs for integrating payments into websites and mobile apps |
| Payment Options Supported | Bank Accounts, UPI, & Credit/Debit CardsWallets & PhonePe Gift CardUPI Lite |
| Fees and Charges | 0 |
| Settlement Time | T+N (by 08:00 a.m) |
Also Read: PhonePe Refer and Earn
14. PayKun
PayKun is a payment gateway solution that enables businesses to accept online payments securely. It supports various payment methods such as credit/debit cards, net banking, UPI, and wallets, catering to the diverse needs of merchants across different industries.
Details of Payment Gateway in India - PayKun
| Aspect | Details |
|---|---|
| Key Feature | User-friendly checkout interfaceTech-friendly for plugins and SDKsAutofill OTPCustomizable Checkout UI |
| Integration Process | Offers REST APIs and SDKs for easy integration into websites and appsSupports integration with popular e-commerce platforms |
| Payment Options Supported | 120+ payment method options like Net Banking, all major Credit/Debit cards, UPI, EMI, Mobile Wallets, QR Code, etc. |
| Fees and Charges | Flat 1.75% Per Transaction + GST |
| Settlement Time | T+1 to T+3 working days |
15. Cashfree
Cashfree is an international payment gateway company that provides a range of payment solutions for businesses, including payment gateway services, bulk payouts, and subscription billing. It aims to simplify payment processes for businesses and enhance the overall payment experience for customers.
Details of Payment Gateway in India - Cashfree
| Aspect | Details |
|---|---|
| Key Feature | Payment gateway solutions for businessesSupports bulk payouts, subscription billing, and payment linksAdvanced fraud detection and risk management featuresDedicated customer support and developer resources |
| Integration Process | Provides developer-friendly APIs and SDKs for seamless integration |
| Payment Options Supported | Credit/Debit Card/Prepaid UPINetbanking WalletsBank Transfer EMI Pay Later |
| Fees and Charges | Starts at 1.95% per transaction |
| Settlement Time | T+2 days |
Also Read: Cashfree Refer and Earn
16. NTT Data Payment Services
NTT Data Payment Services is a leading provider of payment processing solutions and services in India. It offers a comprehensive suite of payment products including online payment gateway, mobile POS solutions, and prepaid cards, catering to the needs of merchants across various sectors.
Details of Payment Gateway in India - NTT Data Payment Services
| Aspect | Details |
|---|---|
| Key Feature | Advanced payment processing solutionsSecure transaction processingScalable infrastructureCustomized payment solutions |
| Integration Process | Offers flexible APIs and SDKs for integrating payment solutionsSupports integration with websites, mobile apps, and point-of-sale systems |
| Payment Options Supported | 100+ payment options through UPI, IMPS, Payment Links & BNPL |
| Fees and Charges | Starts from 0.90% per transaction |
| Settlement Time | T+0 |
17. Ingenico
Ingenico is an ecommerce payment gateway provider offering a wide array of payment solutions for businesses. It provides services such as online payment gateway, recurring billing, and fraud prevention, empowering businesses to securely process online transactions and manage their payment operations efficiently.
Details of Payment Gateway in India - Ingenico
| Aspect | Details |
|---|---|
| Key Feature | Comprehensive payment terminal solutionsSecure payment processingWide range of payment methods supportedAnalytics and reporting tools |
| Integration Process | Provides robust APIs and SDKs for integrating payment gatewaysSupports integration with various e-commerce platforms and custom solutions |
| Payment Options Supported | Ingenico Credit Card TerminalMag StripeEMV EnabledNFC Technology |
| Fees and Charges | 2.25% Per Transaction |
| Settlement Time | T+N day |
18. Citrus Pay
Citrus Pay is a digital payments platform that offers various payment solutions for businesses and individuals. It provides services such as online payments, bill payments, and mobile wallet, striving to simplify financial transactions and enhance convenience for users.
Details of Payment Gateway in India - Citrus Pay
| Aspect | Details |
|---|---|
| Key Feature | Digital wallet servicesPayment gateway solutionsSecure and seamless transactionsCustomizable checkout experiences |
| Integration Process | Offers RESTful APIs and SDKs for easy integrationSupports integration with popular e-commerce platforms |
| Payment Options Supported | Bank accountDebit or credit cardPrepaid payment instrumentsElectronic remittances |
| Fees and Charges | 0 |
| Settlement Time | T+2 days |
19. FreeCharge
FreeCharge is a digital wallet and payment platform in India that enables users to recharge mobile phones, pay bills, and shop online. It offers a seamless and secure payment experience, allowing users to make transactions effortlessly using their mobile devices.
Details of Payment Gateway in India - FreeCharge
| Aspect | Details |
|---|---|
| Key Feature | Mobile recharge and bill payment servicesDigital wallet functionalityCashback offers and discountsSecure transactionsIntegration with various merchants and services |
| Integration Process | Offers APIs and SDKs for integrating payment services into websites and appsSupports integration with various programming languages and platforms |
| Payment Options Supported | Credit or debit cardNet banking from all leading banksUPI |
| Fees and Charges | 0 (except for utility bills) |
| Settlement Time | T+N day |
20. SBI ePay
SBI ePay is an online payment gateway service provided by the State Bank of India (SBI), one of the largest public sector banks in India. It enables merchants to accept online payments from customers through various channels, including credit/debit cards, net banking, and UPI, with robust security features and reliable transaction processing.
Details of Payment Gateway in India - SBI ePay
| Aspect | Details |
|---|---|
| Key Feature | Online payment gateway solutionsSupport for multiple payment methodsRobust security featuresDedicated customer support |
| Integration Process | Provides APIs and SDKs for integrating the payment gateway into websites and apps |
| Payment Options Supported | Credit or Debit CardNet bankingMobile Payment |
| Fees and Charges | 1.20 % of the transaction amount |
| Settlement Time | T+2 days |
21. HDFC PayZapp
HDFC PayZapp is a mobile online payment gateway and wallet app offering convenient bill payments, recharges, and online shopping. It provides users with cashback offers and discounts while ensuring secure transactions through encryption.
Details of Payment Gateway in India - HDFC PayZapp
| Aspect | Details |
|---|---|
| Key Feature | One-click paymentsConvenient bill payments and rechargesRange of paymentsSecure transactions Integration with various merchants |
| Integration Process | Web collect flowIntent flow UPI integration |
| Payment Options Supported | Credit or Debit CardUPI PayZapp wallet |
| Fees and Charges | 2.5% + 18% GST for bank accounts |
| Settlement Time | T+2 days |
22. Finserv ICICI Merchant Services
ICICI Merchant Services, a part of Finserv, offers payment gateway solutions with support for multiple payment options. It focuses on fraud detection and prevention measures while providing customized payment solutions for businesses.
Details of Payment Gateway in India - Finserv ICICI Merchant Services
| Aspect | Details |
|---|---|
| Key Feature | Support for multiple payment optionsFraud detection and prevention measuresCustomized payment solutions for businesses |
| Integration Process | Through APIs or SDKs |
| Payment Options Supported | Credit or debit cardUPIBharat QRNet bankingEMI paymentsDCC paymentsStanding Instructions (SI)RecurringIVR payments |
| Fees and Charges | 1.90% plus GST |
| Settlement Time | On the same day |
23. JusPay
JusPay provides simplified payment gateway for website solutions with secure and frictionless transactions. It offers integration with various payment methods and provides comprehensive analytics and insights along with dedicated technical support.
Details of Payment Gateway in India - JusPay
| Aspect | Details |
|---|---|
| Key Feature | Simplified payment processing solutionsSecure and frictionless transactionsIntegration with various payment methodsComprehensive analytics and insightsDedicated technical support |
| Integration Process | API only, no SDK required User-friendly payment flow across web and app platforms |
| Payment Options Supported | Credit/Debit ardsUPIeNacheMandateWallets |
| Fees and Charges | 0.25% per transaction or ₹15,000 per month (whichever is higher) |
| Settlement Time | T+1 to T+2 days |
24. DirecPay
DirecPay offers online payment gateway services with support for various payment methods and customizable checkout options. It focuses on fraud detection and risk management while ensuring quick settlement of funds.
Details of Payment Gateway in India - DirecPay
| Aspect | Details |
|---|---|
| Key Feature | Support for various payment methodsCustomizable checkout optionsFraud detection and risk managementQuick settlement of funds |
| Integration Process | Using APIs or pluginsCS-Cart/Multivendor |
| Payment Options Supported | Credit or debit cardsMobile paymentsNet banking |
| Fees and Charges | 2% on all transactions |
| Settlement Time | Instantly (T+0) |
25. Zaakpay
Zaakpay provides payment gateway solutions with seamless integration options for websites and apps. It supports multi-currency transactions and offers advanced security features along with dedicated customer support.
Details of Payment Gateway in India - Zaakpay
| Aspect | Details |
|---|---|
| Key Feature | Seamless integration with websites and appsMulti-currency supportAdvanced security featuresDedicated customer support |
| Integration Process | Website and Android SDK & API |
| Payment Options Supported | Credit/Debit CardNetbankingUPIWallet |
| Fees and Charges | Up to 2.25% Per Transaction |
| Settlement Time | T+1 days |
26. Paytm for business
Paytm for Business an international payment gateway offering comprehensive payment gateway solutions with support for various payment methods. It ensures quick and secure transactions and provides analytics and reporting tools.
Details of Payment Gateway in India - Paytm for business
| Aspect | Details |
|---|---|
| Key Feature | Support for various payment methodsQuick and secure transactionsAnalytics and reporting toolsIntegration with Paytm ecosystem |
| Integration Process | API and SDK Documentation |
| Payment Options Supported | UPIPaytm WalletDebit/Credit CardsNet Banking EMI |
| Fees and Charges | 0 |
| Settlement Time | T+0 to T+N day |
Also Read: Paytm Money Refer and Earn
27. Airpay
Airpay offers ecommerce payment gateway solutions with support for multiple payment methods and customized payment solutions for businesses. It focuses on seamless integration with websites and apps and provides dedicated technical support.
Details of Payment Gateway in India - Airpay
| Aspect | Details |
|---|---|
| Key Feature | Support for multiple payment methodsCustomized payment solutions for businessesSeamless integration with websites and appsDedicated technical support |
| Integration Process | Using API |
| Payment Options Supported | 150+ payment instruments, including debit cards, credit cards, UPI/QR codes, EMI, and pay later options |
| Fees and Charges | Rs. 20 per transaction or 3% per transaction (whichever is higher) |
| Settlement Time | T+2 |
28. Pine Labs
Pine Labs provides an international payment gateway for point-of-sale (POS) solutions with secure card payment processing and integration with multiple payment methods. It offers real-time transaction tracking and analytics along with reporting features.
Details of Payment Gateway in India - Pine Labs
| Aspect | Details |
|---|---|
| Key Feature | Point-of-sale (POS) solutionsSecure card payment processingReal-time transaction trackingAnalytics and reporting features |
| Integration Process | Plutus Edge API (from Pine Labs)Using API |
| Payment Options Supported | Debit and credit cardsUPIMobile wallets Reward points |
| Fees and Charges | 0 |
| Settlement Time | T+1 |
29. Infibeam Avenues
Infibeam Avenues offers ecommerce payment gateway solutions with support for multiple payment methods and customizable checkout options. It emphasizes fraud prevention and risk management.
Details of Payment Gateway in India - Infibeam Avenues
| Aspect | Details |
|---|---|
| Key Feature | Support for multiple payment methodsCustomizable checkout optionsFraud prevention and risk managementSeamless integration with websites and apps |
| Integration Process | Using API |
| Payment Options Supported | CashCredit or Debit CardsInternet BankingMobile Payments Prepaid CardsDigital WalletsUPI |
| Fees and Charges | 2% per transaction |
| Settlement Time | Instantly to T+3 days |
30. Payoneer
Payoneer offers international payment gateway for cross-border payment solutions with global payment processing and multi-currency support. It ensures secure transactions with compliance standards and provides integration with various platforms and marketplaces.
Details of Payment Gateway in India - Payoneer
| Aspect | Details |
|---|---|
| Key Feature | Cross-border payment solutionsGlobal payment processingMulti-currency supportSecure transactions with compliance standards |
| Integration Process | Using API |
| Payment Options Supported | Credit cardLocal bank transferACH bank debitDirect bank payment |
| Fees and Charges | Up to 3% of the transaction amount |
| Settlement Time | T+3 days |
Also Read: Payoneer Refer and Earn
Conclusion
In conclusion, selecting the best payment gateway in India is a pivotal decision for businesses seeking to capitalize on the burgeoning digital economy. With the right gateway, businesses can streamline transactions, bolster security, and foster trust among customers, ultimately driving growth and success.
As we navigate through 2026, staying informed about the latest innovations and offerings in the realm of payment gateways will be essential for businesses to remain competitive and meet the evolving needs of their customers. Here's to embracing the future of digital payments and unlocking new opportunities for business success.
FAQs Best Payment Gateway in India 2026:
Q1. How payment gateway works?
Ans: Online payment gateway facilitates online transactions by securely transmitting payment information between the customer, merchant, and financial institutions.
Q2. How to add payment gateway in website?
Ans: A payment gateway for website typically needs to integrate the gateway's APIs or plugins into your site's code, configure settings, and conduct testing before going live.
Q3. Which is the best payment gateway in India?
Ans: The best payment gateway in India include Razorpay, Paytm Payment Gateway, and Instamojo, Stripe, BharatPe and other apps listed in this blog.
Q4. Which is the best free payment gateway India?
Ans: The best platforms where payment gateway charges are zero in India are Amazon Pay, Paytm, Instamojo and PayU, which suitable for small businesses and individuals.
Q5. Which is better payment aggregator vs payment gateway?
Ans: Payment gateways directly connect merchants to payment networks, while payment aggregators combine multiple merchants' transactions into a single account for processing. Aggregators like PayPal may offer simplicity but might have higher fees, while gateways like Razorpay provide more control but require additional setup.
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