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Best Payment Gateway Solutions in India 2025 – How to Choose the Right One

India’s digital economy continues to thrive, with businesses actively seeking the right payment gateway solution to offer a smooth payment experience. The best online payment gateways in India for 2025 provide multiple payment options, including credit and debit card payments, payment links, and UPI, making it easier for merchants to accept online payments. A reliable payment gateway allows businesses to manage payment data, improve payment success rates, and support payments in different currencies. Below is a list of the top payment gateway systems in the country, designed to meet the needs of both small and large businesses.

Payment gatewaysRateCountriesPayment MethodsFiat currencies, unitsWebsite
icon Paykassma
4.8
1220169Open
icon A-Pay
4.7
1220169Open
icon PayU
4.7
50164190Open
icon PayByBd
3.9
5151Open
icon Interkassa
4.7
1507054Open
icon Monetix
3.9
2282Open
icon Flexify
3.9
14520Open
icon Paycos
3.9
9020Open
icon Pay4X
3.9
563Open

Popular Payment Methods and Options in India for Online Businesses

What Is a Payment Gateway and How Does It Work for Online Payments?

Payout gateway is the medium through which digital payments can pass between customer and merchant. More precisely, it enables customers to make online transactions, authorizing the flow of money — including credit card payments and other payment modes — from their banks into the merchant’s account. Payout gateways in India are assuming considerable importance; more so because people are depending heavily on e-commerce and small business payment gateway solutions that allow merchants to accept online payments across a broad range of payment options.

Things to Consider When Choosing a Payment Gateway in India 2025

Deciding on the best payment gateway entails considering several elements:

  • Transaction costs. Payment gateways typically levy a percentage fee on each transaction. Businesses should select a payment gateway that offers the right balance between fees and features.
  • Integration ease. The payment gateway should integrate smoothly with e-commerce platforms, apps, and websites, enabling businesses to accept online payments with minimal friction.
  • Transaction methods supported. The payment gateway must support multiple payment modes, including UPI, credit card payments, and digital wallets, to ensure flexibility for users.
  • Security & compliance. A payment gateway that supports PCI DSS and other regulations ensures safe handling of payment information and compliance with data protection laws.
  • Customer assistance. Prompt and effective payment support is crucial for resolving disputes and technical issues.

In the ever-evolving Indian digital landscape, the right payment gateway solution for Indian businesses is a key enabler of growth and smooth payments online.

Top Online Payment Gateways in India for Seamless Payment Collections

There are various payment gateways in India designed to help businesses accept payments smoothly. These gateways offer flexible payment modes, support multiple currencies, and allow merchants to make online payments securely and efficiently:

Paykassma

Paykassma

4.8

PayU

PayU

4.7

Interkassa

Interkassa

4.7

Flexify

Flexify

3.9

Monetix

Monetix

3.9

Pay4X

Pay4X

3.9

Paycos

Paycos

3.9

PayByBd

PayByBd

3.9

Paykassma

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4.8

Paykassma has been a leading payment gateway solution for businesses since 2019, serving India, Bangladesh, Indonesia, Vietnam, South Africa, Brazil, and many other countries. As one of the best payment gateways in the country, Paykassma offers payment options tailored to high-risk industries. This user-friendly payment gateway allows merchants to accept online payments securely, supporting a variety of payment modes such as credit and debit card payments and payments in multiple currencies.

FeatureDetails
Payment MethodsBank transfers, cryptocurrency options like BTC and USDT, UPI, Paytm, PhonePe by number, IMPS
Registration DocumentsVerification of business and bank accounts
Settlement PeriodT+0, instant payment processing, user payouts, and withdrawals in BTC/USDT or via bank transfer anytime
Mobile App IntegrationCompatible with both iOS and Android devices
Onboarding TimeTypically fast, with account setup and verification finalized in a few days
Customer Support24/7/365 support via phone, email, and chat
E-commerce Platforms SupportedCompatible with customizable Payment Page
Other IntegrationsEasy integration via API
DashboardIntuitive interface offering transaction history, analytics, and account management tools
Payment MethodsBank transfers, cryptocurrency options like BTC and USDT, UPI, Paytm, PhonePe by number, IMPS
Registration DocumentsVerification of business and bank accounts
Settlement PeriodT+0, instant payment processing, user payouts, and withdrawals in BTC/USDT or via bank transfer anytime
Mobile App IntegrationCompatible with both iOS and Android devices
Onboarding TimeTypically fast, with account setup and verification finalized in a few days
Customer Support24/7/365 support via phone, email, and chat
E-commerce Platforms SupportedCompatible with customizable Payment Page
Other IntegrationsEasy integration via API
DashboardIntuitive interface offering transaction history, analytics, and account management tools

Pros

  • Conversion growth: +20%
  • Turnover increase: x100 in a week
  • 99.9%+ successful transactions
  • No rolling reserves
  • No holds
  • Settlement period: T+0
  • 24/7/365 support

Cons

  • Restricted to certain payment methods
  • Internet connection required for online transactions.

PayPal

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4.6

Most people consider PayPal among the best payment gateways in India. This recognized payment gateway allows merchants and businesses to accept online payments seamlessly, supporting various types of payment including debit and credit card payments. PayPal offers versatile payment solutions and integrates easily with payment apps and platforms, making it a preferred payment option for cross-border transactions and millions of users worldwide.

FeatureDetails
Payment MethodsCredit and debit cards, PayPal balance, bank transfers
Registration DocumentsBusiness and bank account verification
Settlement PeriodTypically instant for PayPal balance; bank transfers may take 1-3 business days
Mobile App IntegrationAvailable for iOS and Android platforms
Onboarding TimeGenerally quick; account setup and verification can be completed within a few days
Customer Support24/7 support via phone, email, and chat
E-commerce Platforms SupportedCompatible with major platforms like Shopify, WooCommerce, Magento, and more
Other IntegrationsSupports integrations with accounting software, invoicing tools, and various APIs
DashboardUser-friendly interface providing transaction history, analytics, and account management
Payment MethodsCredit and debit cards, PayPal balance, bank transfers
Registration DocumentsBusiness and bank account verification
Settlement PeriodTypically instant for PayPal balance; bank transfers may take 1-3 business days
Mobile App IntegrationAvailable for iOS and Android platforms
Onboarding TimeGenerally quick; account setup and verification can be completed within a few days
Customer Support24/7 support via phone, email, and chat
E-commerce Platforms SupportedCompatible with major platforms like Shopify, WooCommerce, Magento, and more
Other IntegrationsSupports integrations with accounting software, invoicing tools, and various APIs
DashboardUser-friendly interface providing transaction history, analytics, and account management

Pros

  • Extensive global reach, ideal on international transactions.
  • Easy integration with most e-commerce platforms.
  • High-security standards with PCI-DSS compliance.

Cons

  • Elevated transfer costs, especially for cross-border payments.
  • Not optimal for domestic payments in Bharat due to restrictions.

HDFC SmartGateway

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4.2

HDFC SmartGateway is an online payment gateway in association with HDFC Bank, one of India’s best banks. This payment gateway is designed to provide professional and seamless digital transaction capabilities for businesses worldwide. The gateway allows merchants to accept online payments securely, supporting debit and credit card payments along with multiple payment options. HDFC SmartGateway provides over 150 payout options, making it a trusted choice on the list of the best payment gateways.

FeatureDescription
Payment MethodsUPI, credit cards, debit cards, Net Banking, wallet-based payments, Scan and Pay, PayZapp, SMS/Email to Pay
Registration DocumentsHDFC Bank account, business verification documents
Settlement PeriodTypically 2-3 business days, depending on the payment method and agreement terms
Mobile App IntegrationSupports mobile-optimized payment pages and integration with mobile applications
Onboarding TimeVaries based on business verification; generally a few days to a week
Customer SupportDedicated in-house support team providing professional support for all queries
eCommerce Platforms SupportedCompatible with various eCommerce platforms; specific integrations may require additional development
Other IntegrationsOffers APIs for integration with ERP systems and other business applications
DashboardProvides a merchant console with real-time transaction tracking, detailed reports, and analytics
Payment MethodsUPI, credit cards, debit cards, Net Banking, wallet-based payments, Scan and Pay, PayZapp, SMS/Email to Pay
Registration DocumentsHDFC Bank account, business verification documents
Settlement PeriodTypically 2-3 business days, depending on the payment method and agreement terms
Mobile App IntegrationSupports mobile-optimized payment pages and integration with mobile applications
Onboarding TimeVaries based on business verification; generally a few days to a week
Customer SupportDedicated in-house support team providing professional support for all queries
eCommerce Platforms SupportedCompatible with various eCommerce platforms; specific integrations may require additional development
Other IntegrationsOffers APIs for integration with ERP systems and other business applications
DashboardProvides a merchant console with real-time transaction tracking, detailed reports, and analytics

Pros

  • High success rates due to dynamic routing.
  • Supports multi-currency transactions.
  • Easy integration and developer-friendly documentation.

Cons

  • Slightly complex setup process for new users.
  • Customer support response times could be improved.

Stripe

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4.6

Stripe is a payment gateway that provides best-in-class developer tools with unparalleled personalization options. This payment gateway allows merchants to accept online payments effortlessly, supporting debit and credit card payments as well as multiple payment methods. Stripe integrates seamlessly with mobile apps and platforms, making it a top choice for businesses to accept payments both online and in person.

FeatureDetails
Payment MethodsCredit/debit cards, UPI, net banking, wallets, and over 100 international payment methods.
Registration DocumentsBusiness verification documents and completion of KYC procedures.
Settlement PeriodTypically 2-7 business days, depending on the country and bank.
Mobile App IntegrationOffers SDKs for iOS and Android for seamless mobile integration
Onboarding TimeQuick onboarding with a straightforward verification process.
Customer Support24/7 email, chat, and phone support.
eCommerce Platforms SupportedIntegrates with platforms like Shopify, WooCommerce, Magento, and more.
Other IntegrationsSupports integrations with accounting software, CRM systems, and other business tools.
DashboardProvides a comprehensive dashboard for real-time analytics and reporting.
Payment MethodsCredit/debit cards, UPI, net banking, wallets, and over 100 international payment methods.
Registration DocumentsBusiness verification documents and completion of KYC procedures.
Settlement PeriodTypically 2-7 business days, depending on the country and bank.
Mobile App IntegrationOffers SDKs for iOS and Android for seamless mobile integration
Onboarding TimeQuick onboarding with a straightforward verification process.
Customer Support24/7 email, chat, and phone support.
eCommerce Platforms SupportedIntegrates with platforms like Shopify, WooCommerce, Magento, and more.
Other IntegrationsSupports integrations with accounting software, CRM systems, and other business tools.
DashboardProvides a comprehensive dashboard for real-time analytics and reporting.

Pros

  • Excellent regarding both startups plus large enterprises.
  • Offers A/B testing with flexible checkout page designs.
  • No installation costs or yearly maintenance fees.

Cons

  • Can be challenging regarding non-technical users to navigate.
  • High fees on disputed transactions.

Razorpay

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4.2

Razorpay is a leading Indian company on the payment gateway list in India, offering a comprehensive range of solutions for businesses, especially SMEs. This payment gateway provides easy-to-integrate APIs that allow merchants to accept online payments across platforms. Supporting debit and credit card payments and multiple payment methods, Razorpay’s system simplifies how businesses use payment gateways to process transactions efficiently.

FeatureDetails
Payment MethodsCredit cards, debit cards, UPI, net banking, e-wallets, EMI
Registration DocumentsKYC documents including identity proof, address proof, and business-related documents
Settlement PeriodStandard settlement period is T+2 days; instant settlement options are available
Mobile App IntegrationProvides SDKs and APIs for seamless integration with mobile applications
Onboarding TimeTypically 2-5 days, subject to verification and approval processes
Customer Support24/7 support via email, chat, and phone
eCommerce Platforms SupportedShopify, WooCommerce, Magento, and other major e-commerce platforms
Other IntegrationsSupports integration with accounting software, CRM systems, and other business tools
DashboardDashboard User-friendly dashboard offering real-time analytics, transaction tracking, and reporting
Payment MethodsCredit cards, debit cards, UPI, net banking, e-wallets, EMI
Registration DocumentsKYC documents including identity proof, address proof, and business-related documents
Settlement PeriodStandard settlement period is T+2 days; instant settlement options are available
Mobile App IntegrationProvides SDKs and APIs for seamless integration with mobile applications
Onboarding TimeTypically 2-5 days, subject to verification and approval processes
Customer Support24/7 support via email, chat, and phone
eCommerce Platforms SupportedShopify, WooCommerce, Magento, and other major e-commerce platforms
Other IntegrationsSupports integration with accounting software, CRM systems, and other business tools
DashboardDashboard User-friendly dashboard offering real-time analytics, transaction tracking, and reporting

Pros

  • Easy integration with popular platforms like Shopify or WooCommerce.
  • Developer-friendly APIs.
  • No setup or annual maintenance fees.

Cons

  • Higher transaction fees regarding certain card types.
  • Limited international support compared to global competitors.

MobiKwik

MobiKwik is one of the top 5 payment gateways in India that allows users to pay online and in-store using their wallet balance. It’s widely accepted on P2P & B2B transactions​.

FeatureDetails
Payment MethodsCredit/Debit Cards, UPI, Net Banking, Wallets, Pay Later options
Registration DocumentsMobile number verification and KYC documentation
Settlement PeriodTypically 2-5 business days
Mobile App IntegrationSupports Android, iOS, and Windows platforms
Onboarding TimeAccount activation within 24 hours
Customer SupportAssisted onboarding and priority support for enterprise clients
eCommerce Platforms SupportedWordPress, Magento, Java, PHP, Asp.Net
Other IntegrationsSMS and email-based payments, API integration
DashboardProvides insights into user behavior and portal performance
Payment MethodsCredit/Debit Cards, UPI, Net Banking, Wallets, Pay Later options
Registration DocumentsMobile number verification and KYC documentation
Settlement PeriodTypically 2-5 business days
Mobile App IntegrationSupports Android, iOS, and Windows platforms
Onboarding TimeAccount activation within 24 hours
Customer SupportAssisted onboarding and priority support for enterprise clients
eCommerce Platforms SupportedWordPress, Magento, Java, PHP, Asp.Net
Other IntegrationsSMS and email-based payments, API integration
DashboardProvides insights into user behavior and portal performance

Pros

  • Easy merchant’s integration.
  • Wide user base across India.
  • Credit facility through ZIP for consumers.

Cons

  • Limited support on international transactions.
  • Higher transaction fees regarding wallet payments.

BillDesk

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4.2

BillDesk is a very well-recognized payment service provider in India, which was majorly used for paying utility bills and recurring transactions. It facilitates flawlessly whole processing of payments between buyers and businesses.

FeatureDetails
Payment MethodsCredit/debit cards, net banking, UPI, wallets
Registration DocumentsKYC documents, business registration certificates
Settlement PeriodTypically 3-5 business days
Mobile App IntegrationLimited support; primarily web-based services
Onboarding TimeVaries; generally requires thorough verification
Customer SupportAvailable via email and phone; response times may vary
eCommerce Platforms SupportedLimited direct integrations; may require custom development
Other IntegrationsPrimarily focused on utility and recurring payments
DashboardProvides transaction monitoring and reporting features
Payment MethodsCredit/debit cards, net banking, UPI, wallets
Registration DocumentsKYC documents, business registration certificates
Settlement PeriodTypically 3-5 business days
Mobile App IntegrationLimited support; primarily web-based services
Onboarding TimeVaries; generally requires thorough verification
Customer SupportAvailable via email and phone; response times may vary
eCommerce Platforms SupportedLimited direct integrations; may require custom development
Other IntegrationsPrimarily focused on utility and recurring payments
DashboardProvides transaction monitoring and reporting features

Pros

  • Trusted by major banks and payment providers in India.
  • Secure, PCI-DSS compliant platform.
  • Ideal on recurring and utility payments.

Cons

  • Not as flexible for e-commerce solutions compared to newer competitors.

Cashfree

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4.2

Cashfree offers one of the widest payment gateway list in India. It supports online/offline payments and is known for its fast payouts​.

FeatureDetails
Payment MethodsSupports credit/debit cards, net banking, UPI, and electronic wallets
Registration DocumentsKYC for businesses
Settlement PeriodSame-day settlements
Mobile App IntegrationProvides easy developer’s integration for mobile apps
Onboarding TimeQuick setup with no setup fee
Customer SupportCustomer service available, though response times may occasionally be sluggish
E-commerce Platforms SupportedIntegrates with major e-commerce platforms in India
Other IntegrationsExtensive payout options, supports both online and offline payments
DashboardIncludes a comprehensive dashboard with real-time insights on transactions and payouts
Payment MethodsSupports credit/debit cards, net banking, UPI, and electronic wallets
Registration DocumentsKYC for businesses
Settlement PeriodSame-day settlements
Mobile App IntegrationProvides easy developer’s integration for mobile apps
Onboarding TimeQuick setup with no setup fee
Customer SupportCustomer service available, though response times may occasionally be sluggish
E-commerce Platforms SupportedIntegrates with major e-commerce platforms in India
Other IntegrationsExtensive payout options, supports both online and offline payments
DashboardIncludes a comprehensive dashboard with real-time insights on transactions and payouts

Pros

  • Fast payout cycles.
  • Extensive payout method options.
  • Easy developer’s integration.

Cons

  • Minimal presence beyond India.
  • Customer service response times may occasionally be sluggish.

Easebuzz

Easebuzz is an emerging Indian payout gateway focused on providing SMEs with customizable transaction solutions​.

FeatureDetails
Payment MethodsUPI, Net Banking
Registration DocumentsBusiness verification documents (e.g., GST registration, PAN card, bank account details)
Settlement PeriodTypically T+1 (next business day); may vary based on bank processing times
Mobile App IntegrationSupports integration with mobile apps through APIs
Onboarding TimeQuick onboarding process
Customer SupportProvides support via email, phone, and chat
E-commerce Platforms SupportedCompatible with platforms like WooCommerce, Magento, and custom e-commerce solutions through APIs
Other IntegrationsOffers APIs and plugins for various programming languages and frameworks for custom integrations
DashboardUser-friendly dashboard with real-time transaction tracking, analytics, and reporting features
Payment MethodsUPI, Net Banking
Registration DocumentsBusiness verification documents (e.g., GST registration, PAN card, bank account details)
Settlement PeriodTypically T+1 (next business day); may vary based on bank processing times
Mobile App IntegrationSupports integration with mobile apps through APIs
Onboarding TimeQuick onboarding process
Customer SupportProvides support via email, phone, and chat
E-commerce Platforms SupportedCompatible with platforms like WooCommerce, Magento, and custom e-commerce solutions through APIs
Other IntegrationsOffers APIs and plugins for various programming languages and frameworks for custom integrations
DashboardUser-friendly dashboard with real-time transaction tracking, analytics, and reporting features

Pros

  • Flexible payout solutions for small businesses.
  • Easy to set up and integrate.

Cons

  • Limited international reach.
  • Smaller user base compared to competitors.

Instamojo

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4.2

Instamojo is one of the most popular payment gateways for SMEs & startups in India. It offers multiple payout solutions, including payout links or online stores​.

FeatureDetails
Payment MethodsUPI, wallets
Registration DocumentsBusiness verification required
Settlement PeriodEasy setup and integration
Mobile App IntegrationAvailable
Onboarding TimeQuick onboarding for small businesses
Customer SupportAvailable with quick response
E-commerce Platforms SupportedIntegrated online store creation tool
Other IntegrationsPayout links, mobile app integration, store setup
DashboardProvides transaction monitoring and reporting features
Payment MethodsUPI, wallets
Registration DocumentsBusiness verification required
Settlement PeriodEasy setup and integration
Mobile App IntegrationAvailable
Onboarding TimeQuick onboarding for small businesses
Customer SupportAvailable with quick response
E-commerce Platforms SupportedIntegrated online store creation tool
Other IntegrationsPayout links, mobile app integration, store setup
DashboardProvides transaction monitoring and reporting features

Pros

  • Quick onboarding for small businesses.
  • Integrated online store creation tool.

Cons

  • Not suitable for large enterprises.
  • Limited multi-currency support.
4.7

PayU is popular payment gateways in India, delivering services for companies of all scales, supporting a range of payment methods.

FeatureDetails
Payment MethodsCredit/debit cards, UPI, net banking, e-wallets
Registration DocumentsKYC for businesses
Settlement PeriodTypically within 2-3 business days; options for same-day settlements available
Mobile App IntegrationProvides SDKs for mobile app integration
Onboarding Time100% online onboarding process
Customer SupportOffers customer support; specific details not provided
E-commerce Platforms SupportedSupports integration with major e-commerce platforms; specific platforms not listed
Other IntegrationsProvides APIs and plugins for seamless integration with various platforms
DashboardOffers a comprehensive dashboard for managing transactions, refunds, disputes, and settlements
Payment MethodsCredit/debit cards, UPI, net banking, e-wallets
Registration DocumentsKYC for businesses
Settlement PeriodTypically within 2-3 business days; options for same-day settlements available
Mobile App IntegrationProvides SDKs for mobile app integration
Onboarding Time100% online onboarding process
Customer SupportOffers customer support; specific details not provided
E-commerce Platforms SupportedSupports integration with major e-commerce platforms; specific platforms not listed
Other IntegrationsProvides APIs and plugins for seamless integration with various platforms
DashboardOffers a comprehensive dashboard for managing transactions, refunds, disputes, and settlements

Pros

  • Various supported payment methods.
  • Easy to integrate with e-commerce platforms.

Cons

  • High fees on international transactions.
  • Customer support can be slow.

CCAvenue

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4.7

CCAvenue is in the list of the top payment gateways in India, known for supporting a vast range of payout methods and multi-currency transactions. It’s trusted by both small businesses & large enterprises.

FeatureDetails
Payment MethodsOver 200 options, including credit/debit cards, net banking, UPI, EMI, and more
Registration DocumentsBusiness KYC verification required
Settlement PeriodTypically 3-5 days
Mobile App IntegrationAvailable for both Android and iOS devices
Onboarding TimeQuick process
Customer Support24/7 customer support available
E-commerce Platforms SupportedIntegrates with major online shopping carts like OpenCart, Magento, Joomla, and CS-Cart
Other IntegrationsProvides APIs for seamless integration with various platforms
DashboardOffers a comprehensive dashboard for tracking transactions, settlements, and analytics
Payment MethodsOver 200 options, including credit/debit cards, net banking, UPI, EMI, and more
Registration DocumentsBusiness KYC verification required
Settlement PeriodTypically 3-5 days
Mobile App IntegrationAvailable for both Android and iOS devices
Onboarding TimeQuick process
Customer Support24/7 customer support available
E-commerce Platforms SupportedIntegrates with major online shopping carts like OpenCart, Magento, Joomla, and CS-Cart
Other IntegrationsProvides APIs for seamless integration with various platforms
DashboardOffers a comprehensive dashboard for tracking transactions, settlements, and analytics

Pros

  • Extensive range of payout methods.
  • Multi-currency support.
  • Highly customizable for businesses of all sizes.

Cons

  • Complex setup process.
  • Slightly higher transaction fees on international payments.

NTT DATA

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4.7

NTT DATA is a global IT services provider that is a secure, reliable payment gateway example in India, focusing on businesses that require high security.

FeatureDetails
Payment MethodsCredit/debit cards, net banking, UPI, wallets, EMI, BNPL, and more
Registration DocumentsBusiness KYC and compliance verification required
Settlement PeriodQuick settlement periods
Mobile App IntegrationProvides SDKs and APIs for seamless integration with mobile applications
Onboarding Time2-4 Days
Customer SupportOffers dedicated customer support; specific details not provided
E-commerce Platforms SupportedSupports integration with major e-commerce platforms; specific platforms not listed
Other IntegrationsProvides APIs and plugins for seamless integration with various platforms
DashboardOffers a comprehensive dashboard for managing transactions, refunds, disputes, and settlements
Payment MethodsCredit/debit cards, net banking, UPI, wallets, EMI, BNPL, and more
Registration DocumentsBusiness KYC and compliance verification required
Settlement PeriodQuick settlement periods
Mobile App IntegrationProvides SDKs and APIs for seamless integration with mobile applications
Onboarding Time2-4 Days
Customer SupportOffers dedicated customer support; specific details not provided
E-commerce Platforms SupportedSupports integration with major e-commerce platforms; specific platforms not listed
Other IntegrationsProvides APIs and plugins for seamless integration with various platforms
DashboardOffers a comprehensive dashboard for managing transactions, refunds, disputes, and settlements

Pros

  • High level of security with scalability.
  • Designed to meet all needs of large enterprises with high transaction volumes.

Cons

  • Expensive for smaller businesses.
  • Limited customization options for merchants.

OPEN

OPEN is a neobanking platform specifically tailored on SMEs and startups. It defines what are the payment gateways in India. OPEN integrates banking services with payment systems, simplifying the process for businesses to handle their payments and finances from one platform.

FeatureDetails
Payment MethodsSupports over 200 payment methods, including UPI and net banking
Registration DocumentsBusiness registration and verification required
Settlement Period1-5 Days
Mobile App IntegrationProvides mobile app integration for seamless financial management
Onboarding TimeQuick onboarding process; specific duration not specified
Customer SupportOffers customer support; specific details not provided
E-commerce Platforms SupportedSupports integration with major e-commerce platforms; specific platforms not listed
Other IntegrationsProvides APIs and plugins for seamless integration with various platforms
DashboardOffers a comprehensive dashboard for managing transactions, invoices, and expenses
Payment MethodsSupports over 200 payment methods, including UPI and net banking
Registration DocumentsBusiness registration and verification required
Settlement Period1-5 Days
Mobile App IntegrationProvides mobile app integration for seamless financial management
Onboarding TimeQuick onboarding process; specific duration not specified
Customer SupportOffers customer support; specific details not provided
E-commerce Platforms SupportedSupports integration with major e-commerce platforms; specific platforms not listed
Other IntegrationsProvides APIs and plugins for seamless integration with various platforms
DashboardOffers a comprehensive dashboard for managing transactions, invoices, and expenses

Pros

  • All-in-one banking and payment solution for businesses.
  • Transparent and easy-to-understand pricing.

Cons

  • Limited international payout options.
  • Primarily designed to meet the needs of small or medium-sized enterprises.

Airpay

Airpay is the best Indian payment gateway that provides online/offline payout solutions.

FeatureDetails
Payment MethodsCredit/debit cards, UPI, net banking, wallets, POS integration, QR code payments
Registration DocumentsBusiness KYC verification required
Settlement Period3-5 Days
Mobile App IntegrationProvides SDKs and APIs for seamless integration with mobile applications
Onboarding TimeQuick and easy integration process
Customer SupportOffers customer support; specific details not provided
E-commerce Platforms SupportedSupports integration with major e-commerce platforms; specific platforms not listed
Other IntegrationsProvides APIs and plugins for seamless integration with various platforms
DashboardOffers a comprehensive dashboard for managing transactions, refunds, disputes, and settlements
Payment MethodsCredit/debit cards, UPI, net banking, wallets, POS integration, QR code payments
Registration DocumentsBusiness KYC verification required
Settlement Period3-5 Days
Mobile App IntegrationProvides SDKs and APIs for seamless integration with mobile applications
Onboarding TimeQuick and easy integration process
Customer SupportOffers customer support; specific details not provided
E-commerce Platforms SupportedSupports integration with major e-commerce platforms; specific platforms not listed
Other IntegrationsProvides APIs and plugins for seamless integration with various platforms
DashboardOffers a comprehensive dashboard for managing transactions, refunds, disputes, and settlements

Pros

  • Comprehensive transaction solutions across multiple channels.
  • Quick, easy integration with e-commerce platforms.

Cons

  • Fees can be higher on international transactions.
  • Customer support response times can be slow.

Zaakpay

Which is best payment gateway in India? One of the popular answers is Zaakpay. It offers a simple and easy-to-use payout gateway designed to meet all needs of e-commerce businesses or startups. 

FeatureDetails
Payment MethodsCredit/debit cards, UPI, net banking, wallets
Registration DocumentsBusiness verification required
Settlement Period1-3 Days
Mobile App IntegrationProvides SDKs for mobile app integration
Onboarding TimeQuick integration process
Customer SupportLimited support for small businesses
E-commerce Platforms SupportedSeamless integration with platforms like WooCommerce and Shopify
Other IntegrationsOffers APIs and plugins for various platforms
DashboardProvides a comprehensive dashboard for transaction management
Payment MethodsCredit/debit cards, UPI, net banking, wallets
Registration DocumentsBusiness verification required
Settlement Period1-3 Days
Mobile App IntegrationProvides SDKs for mobile app integration
Onboarding TimeQuick integration process
Customer SupportLimited support for small businesses
E-commerce Platforms SupportedSeamless integration with platforms like WooCommerce and Shopify
Other IntegrationsOffers APIs and plugins for various platforms
DashboardProvides a comprehensive dashboard for transaction management

Pros

  • No setup fee on startups.
  • Quick integration with popular e-commerce platforms.

Cons

  • Limited customer support for small businesses.
  • Lower success rates on international transactions.

PayGlocal

PayGlocal is a transaction gateway designed to meet primary needs of global transactions. It allows Indian merchants to accept payments on multiple currencies from international customers.

FeatureDetails
Payment MethodsInternational credit/debit cards, global payment methods
Registration DocumentsBusiness KYC verification required
Settlement Period1-3 days
Mobile App IntegrationProvides APIs and SDKs for seamless integration with mobile applications
Onboarding TimeQuick onboarding time
Customer SupportOffers dedicated customer support; specific details not provided
E-commerce Platforms SupportedSupports integration with major e-commerce platforms like Magento 2 and OpenCart
Other IntegrationsProvides APIs and plugins for seamless integration with various platforms
DashboardOffers a comprehensive dashboard for managing transactions, refunds, disputes, and settlements
Payment MethodsInternational credit/debit cards, global payment methods
Registration DocumentsBusiness KYC verification required
Settlement Period1-3 days
Mobile App IntegrationProvides APIs and SDKs for seamless integration with mobile applications
Onboarding TimeQuick onboarding time
Customer SupportOffers dedicated customer support; specific details not provided
E-commerce Platforms SupportedSupports integration with major e-commerce platforms like Magento 2 and OpenCart
Other IntegrationsProvides APIs and plugins for seamless integration with various platforms
DashboardOffers a comprehensive dashboard for managing transactions, refunds, disputes, and settlements

Pros

  • Ideal regarding businesses looking to expand internationally.
  • Competitive exchange rates for cross-border transactions.

Cons

  • High transaction fees on international cards.
  • Limited support for domestic transactions

Nimbbl

Nimbbl is a relatively new payment gateway company in India that simplifies online payments by allowing users to complete transactions quickly, focusing on customer experience and conversion optimization.

FeatureDetails
Payment MethodsUPI, credit/debit cards, net banking, wallets, Buy Now Pay Later (BNPL)
Registration DocumentsBusiness verification required
Settlement Period3-5 Days
Mobile App IntegrationProvides SDKs and APIs for seamless integration with mobile applications
Onboarding TimeQuick onboarding process; specific duration not specified
Customer SupportOffers customer support; specific details not provided
E-commerce Platforms SupportedSupports integration with major e-commerce platforms; specific platforms not listed
Other IntegrationsProvides APIs and plugins for seamless integration with various platforms
DashboardOffers a comprehensive dashboard for managing transactions, refunds, disputes, and settlements
Payment MethodsUPI, credit/debit cards, net banking, wallets, Buy Now Pay Later (BNPL)
Registration DocumentsBusiness verification required
Settlement Period3-5 Days
Mobile App IntegrationProvides SDKs and APIs for seamless integration with mobile applications
Onboarding TimeQuick onboarding process; specific duration not specified
Customer SupportOffers customer support; specific details not provided
E-commerce Platforms SupportedSupports integration with major e-commerce platforms; specific platforms not listed
Other IntegrationsProvides APIs and plugins for seamless integration with various platforms
DashboardOffers a comprehensive dashboard for managing transactions, refunds, disputes, and settlements

Pros

  • Improves conversion rates with one-click payments.
  • Easy to integrate with websites or mobile apps.

Cons

  • Limited international payout support.
  • Still growing its customer base.

PayKun

PayKun is in the Indian payment gateway list. This company is known for its simple setup and various transaction options. It caters to small businesses, startups, and NGOs.

FeatureDetails
Payment MethodsCredit/debit cards, UPI, net banking, wallets
Registration DocumentsKYC for businesses
Settlement PeriodTypically 2-4 business days
Mobile App IntegrationPrimarily web-based services
Onboarding TimeVaries; generally requires thorough verification
Customer SupportAvailable
E-commerce Platforms SupportedLimited direct integrations
Other IntegrationsAvailable for multiple online services
DashboardOffers real-time tracking and data analytics for merchants
Payment MethodsCredit/debit cards, UPI, net banking, wallets
Registration DocumentsKYC for businesses
Settlement PeriodTypically 2-4 business days
Mobile App IntegrationPrimarily web-based services
Onboarding TimeVaries; generally requires thorough verification
Customer SupportAvailable
E-commerce Platforms SupportedLimited direct integrations
Other IntegrationsAvailable for multiple online services
DashboardOffers real-time tracking and data analytics for merchants

Pros

  • No setup or annual fees.
  • Easy to use on small businesses and NGOs.

Cons

  • Limited features for large enterprises.
  • Customer support could be improved.

ePaisa

ePaisa is a multi-channel payment platform that offers solutions to online/offline businesses. Known for its mobile-first approach, ePaisa provides merchants with tools to accept digital payments via smartphones, tablets etc.

FeatureDetails
Payment MethodsCredit/debit cards, UPI, net banking, mobile wallets, cash, cheques, Bharat QR, meal vouchers
Registration DocumentsBusiness verification and KYC required
Settlement PeriodT+2 days (transaction day plus two working days)
Mobile App IntegrationOffers mobile POS systems compatible with smartphones and tablets
Onboarding TimeSlow approval process for new merchants
Customer SupportExperienced and recognized support
E-commerce Platforms SupportedCompatible with major e-commerce platforms
Other IntegrationsProvides invoicing, inventory management, and analytics tools
DashboardOffers a cloud-based dashboard with real-time reporting and analytics
Payment MethodsCredit/debit cards, UPI, net banking, mobile wallets, cash, cheques, Bharat QR, meal vouchers
Registration DocumentsBusiness verification and KYC required
Settlement PeriodT+2 days (transaction day plus two working days)
Mobile App IntegrationOffers mobile POS systems compatible with smartphones and tablets
Onboarding TimeSlow approval process for new merchants
Customer SupportExperienced and recognized support
E-commerce Platforms SupportedCompatible with major e-commerce platforms
Other IntegrationsProvides invoicing, inventory management, and analytics tools
DashboardOffers a cloud-based dashboard with real-time reporting and analytics

Pros

  • Mobile-friendly platform.
  • Ideal regarding online/offline businesses.
  • Integrated POS solutions with additional business tools.

Cons

  • Higher transaction fees regarding certain payout methods
  • Limited features on large enterprises.

Payzcart

Payzcart is a payment processing platform that facilitates online payments for businesses through diverse methods such as credit/debit cards, UPI, net banking, and mobile wallets. It supports over 120 domestic and international payout options, making it a popular choice for businesses looking to expand globally​.

FeatureDetails
Payment MethodsCredit/debit cards, UPI, net banking, mobile wallets, EMI
Registration DocumentsKYC and business verification required
Settlement PeriodIn the next day
Mobile App IntegrationSupports integration with mobile platforms via APIs and SDKs
Onboarding TimeQuick setup
Customer Support24/7 customer support available
E-commerce Platforms SupportedCompatible with e-commerce platforms
Other IntegrationsProvides APIs and SDKs for seamless integration with web and mobile platforms
DashboardOffers a smart dashboard with real-time records of transactions and settlements
Payment MethodsCredit/debit cards, UPI, net banking, mobile wallets, EMI
Registration DocumentsKYC and business verification required
Settlement PeriodIn the next day
Mobile App IntegrationSupports integration with mobile platforms via APIs and SDKs
Onboarding TimeQuick setup
Customer Support24/7 customer support available
E-commerce Platforms SupportedCompatible with e-commerce platforms
Other IntegrationsProvides APIs and SDKs for seamless integration with web and mobile platforms
DashboardOffers a smart dashboard with real-time records of transactions and settlements

Pros

  • Various payout options, including international methods.
  • Affordable transaction rates (TDR).
  • Excellent customer support available 24/7.

Cons

  • Limited advanced reporting tools for large enterprises.
  • Slightly more expensive regarding international transactions.

Einpayz

Einpayz offers one of the cheapest payment gateway India. It is also a perfect solution for businesses looking to accept payments globally. With a focus on secure transactions, Einpayz caters to businesses of all sizes, supporting multiple payout methods and currencies.

FeatureDetails
Payment MethodsCredit/debit cards, net banking, UPI
Registration DocumentsBusiness verification documents required
Settlement PeriodLonger settlement periods for some transactions
Mobile App IntegrationEasy to integrate
Onboarding TimeQuick setup with no setup fee
Customer SupportCustomer service available
E-commerce Platforms SupportedCompatible with major e-commerce platforms
Other IntegrationsIntegrated invoicing and reporting tools
DashboardProvides integrated invoicing and reporting tools
Payment MethodsCredit/debit cards, net banking, UPI
Registration DocumentsBusiness verification documents required
Settlement PeriodLonger settlement periods for some transactions
Mobile App IntegrationEasy to integrate
Onboarding TimeQuick setup with no setup fee
Customer SupportCustomer service available
E-commerce Platforms SupportedCompatible with major e-commerce platforms
Other IntegrationsIntegrated invoicing and reporting tools
DashboardProvides integrated invoicing and reporting tools

Pros

  • Extensive global transaction support.
  • Clear pricing without concealed charges

Cons

  • Limited availability of advanced customization features.
  • Longer settlement periods for some transactions.

FAQ

Which Is the Best Payout Gateway in India for 2025?

UPI is the most widely used payout gateway, processing a majority of India’s digital transactions​.

Which Payment Gateway Charges the Lowest Fees in India?

UPI typically charges no transaction fees for consumers, making it one of the most cost-effective options​.

What Is the Best Payment Gateway in India for International Payments?

PayPal is widely recognized thanks to cross-border transactions​.

How Does a Payout Gateway Work for Online Payment Processing?

A payout gateway securely processes transactions between a customer and a merchant by authorizing payments from the customer’s bank​