India
Best Payment Gateway in India 2025 – Accept Online Payments with Ease
By 2023, India will account for nearly 46% of all real-time payment transactions worldwide. With rising digital adoption from urban centers to rural towns, the country is becoming a global leader in modern payment options and gateways that support secure, fast ways to collect payments.
groups
Over 1.4 billion
Population
shopping_cart
750 million e-retail shoppers
Percentage of Online Shoppers
payments
INR 12– INR 14 trillion
Consumer Spending
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.
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
PayU
PayU
Interkassa
Interkassa
Flexify
Flexify
Monetix
Monetix
Pay4X
Pay4X
Paycos
Paycos
PayByBd
PayByBd
Paykassma – All-in-One Payment Gateway Solution
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.
| Feature | Details |
|---|---|
| Payment Methods | Bank transfers, cryptocurrency options like BTC and USDT, UPI, Paytm, PhonePe by number, IMPS |
| Registration Documents | Verification of business and bank accounts |
| Settlement Period | T+0, instant payment processing, user payouts, and withdrawals in BTC/USDT or via bank transfer anytime |
| Mobile App Integration | Compatible with both iOS and Android devices |
| Onboarding Time | Typically fast, with account setup and verification finalized in a few days |
| Customer Support | 24/7/365 support via phone, email, and chat |
| E-commerce Platforms Supported | Compatible with customizable Payment Page |
| Other Integrations | Easy integration via API |
| Dashboard | Intuitive 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 – International Payment for Indian Merchants
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.
| Feature | Details |
|---|---|
| Payment Methods | Credit and debit cards, PayPal balance, bank transfers |
| Registration Documents | Business and bank account verification |
| Settlement Period | Typically instant for PayPal balance; bank transfers may take 1-3 business days |
| Mobile App Integration | Available for iOS and Android platforms |
| Onboarding Time | Generally quick; account setup and verification can be completed within a few days |
| Customer Support | 24/7 support via phone, email, and chat |
| E-commerce Platforms Supported | Compatible with major platforms like Shopify, WooCommerce, Magento, and more |
| Other Integrations | Supports integrations with accounting software, invoicing tools, and various APIs |
| Dashboard | User-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 – Reliable Payment Gateway
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.
| Feature | Description |
|---|---|
| Payment Methods | UPI, credit cards, debit cards, Net Banking, wallet-based payments, Scan and Pay, PayZapp, SMS/Email to Pay |
| Registration Documents | HDFC Bank account, business verification documents |
| Settlement Period | Typically 2-3 business days, depending on the payment method and agreement terms |
| Mobile App Integration | Supports mobile-optimized payment pages and integration with mobile applications |
| Onboarding Time | Varies based on business verification; generally a few days to a week |
| Customer Support | Dedicated in-house support team providing professional support for all queries |
| eCommerce Platforms Supported | Compatible with various eCommerce platforms; specific integrations may require additional development |
| Other Integrations | Offers APIs for integration with ERP systems and other business applications |
| Dashboard | Provides 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 – Global Payment Gateway
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.
| Feature | Details |
|---|---|
| Payment Methods | Credit/debit cards, UPI, net banking, wallets, and over 100 international payment methods. |
| Registration Documents | Business verification documents and completion of KYC procedures. |
| Settlement Period | Typically 2-7 business days, depending on the country and bank. |
| Mobile App Integration | Offers SDKs for iOS and Android for seamless mobile integration |
| Onboarding Time | Quick onboarding with a straightforward verification process. |
| Customer Support | 24/7 email, chat, and phone support. |
| eCommerce Platforms Supported | Integrates with platforms like Shopify, WooCommerce, Magento, and more. |
| Other Integrations | Supports integrations with accounting software, CRM systems, and other business tools. |
| Dashboard | Provides 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 – Best Payment Gateway in India
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.
| Feature | Details |
|---|---|
| Payment Methods | Credit cards, debit cards, UPI, net banking, e-wallets, EMI |
| Registration Documents | KYC documents including identity proof, address proof, and business-related documents |
| Settlement Period | Standard settlement period is T+2 days; instant settlement options are available |
| Mobile App Integration | Provides SDKs and APIs for seamless integration with mobile applications |
| Onboarding Time | Typically 2-5 days, subject to verification and approval processes |
| Customer Support | 24/7 support via email, chat, and phone |
| eCommerce Platforms Supported | Shopify, WooCommerce, Magento, and other major e-commerce platforms |
| Other Integrations | Supports integration with accounting software, CRM systems, and other business tools |
| Dashboard | Dashboard 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 – Digital Payment Solution for Indian Merchants
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.
| Feature | Details |
|---|---|
| Payment Methods | Credit/Debit Cards, UPI, Net Banking, Wallets, Pay Later options |
| Registration Documents | Mobile number verification and KYC documentation |
| Settlement Period | Typically 2-5 business days |
| Mobile App Integration | Supports Android, iOS, and Windows platforms |
| Onboarding Time | Account activation within 24 hours |
| Customer Support | Assisted onboarding and priority support for enterprise clients |
| eCommerce Platforms Supported | WordPress, Magento, Java, PHP, Asp.Net |
| Other Integrations | SMS and email-based payments, API integration |
| Dashboard | Provides 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 – Trusted Payment Gateway in India
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.
| Feature | Details |
|---|---|
| Payment Methods | Credit/debit cards, net banking, UPI, wallets |
| Registration Documents | KYC documents, business registration certificates |
| Settlement Period | Typically 3-5 business days |
| Mobile App Integration | Limited support; primarily web-based services |
| Onboarding Time | Varies; generally requires thorough verification |
| Customer Support | Available via email and phone; response times may vary |
| eCommerce Platforms Supported | Limited direct integrations; may require custom development |
| Other Integrations | Primarily focused on utility and recurring payments |
| Dashboard | Provides 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 – Flexible Online Payment Gateway Solution
Cashfree offers one of the widest payment gateway list in India. It supports online/offline payments and is known for its fast payouts.
| Feature | Details |
|---|---|
| Payment Methods | Supports credit/debit cards, net banking, UPI, and electronic wallets |
| Registration Documents | KYC for businesses |
| Settlement Period | Same-day settlements |
| Mobile App Integration | Provides easy developer’s integration for mobile apps |
| Onboarding Time | Quick setup with no setup fee |
| Customer Support | Customer service available, though response times may occasionally be sluggish |
| E-commerce Platforms Supported | Integrates with major e-commerce platforms in India |
| Other Integrations | Extensive payout options, supports both online and offline payments |
| Dashboard | Includes 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 – Smart Payment Gateway for Indian Businesses
Easebuzz is an emerging Indian payout gateway focused on providing SMEs with customizable transaction solutions.
| Feature | Details |
|---|---|
| Payment Methods | UPI, Net Banking |
| Registration Documents | Business verification documents (e.g., GST registration, PAN card, bank account details) |
| Settlement Period | Typically T+1 (next business day); may vary based on bank processing times |
| Mobile App Integration | Supports integration with mobile apps through APIs |
| Onboarding Time | Quick onboarding process |
| Customer Support | Provides support via email, phone, and chat |
| E-commerce Platforms Supported | Compatible with platforms like WooCommerce, Magento, and custom e-commerce solutions through APIs |
| Other Integrations | Offers APIs and plugins for various programming languages and frameworks for custom integrations |
| Dashboard | User-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 – Payment Collections for Indian Entrepreneurs
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.
| Feature | Details |
|---|---|
| Payment Methods | UPI, wallets |
| Registration Documents | Business verification required |
| Settlement Period | Easy setup and integration |
| Mobile App Integration | Available |
| Onboarding Time | Quick onboarding for small businesses |
| Customer Support | Available with quick response |
| E-commerce Platforms Supported | Integrated online store creation tool |
| Other Integrations | Payout links, mobile app integration, store setup |
| Dashboard | Provides 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.
PayU – Payment Gateway Solution in India
PayU is popular payment gateways in India, delivering services for companies of all scales, supporting a range of payment methods.
| Feature | Details |
|---|---|
| Payment Methods | Credit/debit cards, UPI, net banking, e-wallets |
| Registration Documents | KYC for businesses |
| Settlement Period | Typically within 2-3 business days; options for same-day settlements available |
| Mobile App Integration | Provides SDKs for mobile app integration |
| Onboarding Time | 100% online onboarding process |
| Customer Support | Offers customer support; specific details not provided |
| E-commerce Platforms Supported | Supports integration with major e-commerce platforms; specific platforms not listed |
| Other Integrations | Provides APIs and plugins for seamless integration with various platforms |
| Dashboard | Offers 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 – Payment Gateway for Online Payment Modes
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.
| Feature | Details |
|---|---|
| Payment Methods | Over 200 options, including credit/debit cards, net banking, UPI, EMI, and more |
| Registration Documents | Business KYC verification required |
| Settlement Period | Typically 3-5 days |
| Mobile App Integration | Available for both Android and iOS devices |
| Onboarding Time | Quick process |
| Customer Support | 24/7 customer support available |
| E-commerce Platforms Supported | Integrates with major online shopping carts like OpenCart, Magento, Joomla, and CS-Cart |
| Other Integrations | Provides APIs for seamless integration with various platforms |
| Dashboard | Offers 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 – Enterprise-Grade Payment Processor in India
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.
| Feature | Details |
|---|---|
| Payment Methods | Credit/debit cards, net banking, UPI, wallets, EMI, BNPL, and more |
| Registration Documents | Business KYC and compliance verification required |
| Settlement Period | Quick settlement periods |
| Mobile App Integration | Provides SDKs and APIs for seamless integration with mobile applications |
| Onboarding Time | 2-4 Days |
| Customer Support | Offers dedicated customer support; specific details not provided |
| E-commerce Platforms Supported | Supports integration with major e-commerce platforms; specific platforms not listed |
| Other Integrations | Provides APIs and plugins for seamless integration with various platforms |
| Dashboard | Offers 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 – Business-Friendly Payment Gateway
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.
| Feature | Details |
|---|---|
| Payment Methods | Supports over 200 payment methods, including UPI and net banking |
| Registration Documents | Business registration and verification required |
| Settlement Period | 1-5 Days |
| Mobile App Integration | Provides mobile app integration for seamless financial management |
| Onboarding Time | Quick onboarding process; specific duration not specified |
| Customer Support | Offers customer support; specific details not provided |
| E-commerce Platforms Supported | Supports integration with major e-commerce platforms; specific platforms not listed |
| Other Integrations | Provides APIs and plugins for seamless integration with various platforms |
| Dashboard | Offers 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 – Online Payment Gateway for Indian Businesses
Airpay is the best Indian payment gateway that provides online/offline payout solutions.
| Feature | Details |
|---|---|
| Payment Methods | Credit/debit cards, UPI, net banking, wallets, POS integration, QR code payments |
| Registration Documents | Business KYC verification required |
| Settlement Period | 3-5 Days |
| Mobile App Integration | Provides SDKs and APIs for seamless integration with mobile applications |
| Onboarding Time | Quick and easy integration process |
| Customer Support | Offers customer support; specific details not provided |
| E-commerce Platforms Supported | Supports integration with major e-commerce platforms; specific platforms not listed |
| Other Integrations | Provides APIs and plugins for seamless integration with various platforms |
| Dashboard | Offers 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 – Secure Payment Gateway Integration for Indian Sites
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.
| Feature | Details |
|---|---|
| Payment Methods | Credit/debit cards, UPI, net banking, wallets |
| Registration Documents | Business verification required |
| Settlement Period | 1-3 Days |
| Mobile App Integration | Provides SDKs for mobile app integration |
| Onboarding Time | Quick integration process |
| Customer Support | Limited support for small businesses |
| E-commerce Platforms Supported | Seamless integration with platforms like WooCommerce and Shopify |
| Other Integrations | Offers APIs and plugins for various platforms |
| Dashboard | Provides 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 – International Payment Gateway for Global Transactions
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.
| Feature | Details |
|---|---|
| Payment Methods | International credit/debit cards, global payment methods |
| Registration Documents | Business KYC verification required |
| Settlement Period | 1-3 days |
| Mobile App Integration | Provides APIs and SDKs for seamless integration with mobile applications |
| Onboarding Time | Quick onboarding time |
| Customer Support | Offers dedicated customer support; specific details not provided |
| E-commerce Platforms Supported | Supports integration with major e-commerce platforms like Magento 2 and OpenCart |
| Other Integrations | Provides APIs and plugins for seamless integration with various platforms |
| Dashboard | Offers 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 – Modern Payment Gateway Solution for Fast Checkout
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.
| Feature | Details |
|---|---|
| Payment Methods | UPI, credit/debit cards, net banking, wallets, Buy Now Pay Later (BNPL) |
| Registration Documents | Business verification required |
| Settlement Period | 3-5 Days |
| Mobile App Integration | Provides SDKs and APIs for seamless integration with mobile applications |
| Onboarding Time | Quick onboarding process; specific duration not specified |
| Customer Support | Offers customer support; specific details not provided |
| E-commerce Platforms Supported | Supports integration with major e-commerce platforms; specific platforms not listed |
| Other Integrations | Provides APIs and plugins for seamless integration with various platforms |
| Dashboard | Offers 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 – Online Payment Gateway for India with Easy Setup
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.
| Feature | Details |
|---|---|
| Payment Methods | Credit/debit cards, UPI, net banking, wallets |
| Registration Documents | KYC for businesses |
| Settlement Period | Typically 2-4 business days |
| Mobile App Integration | Primarily web-based services |
| Onboarding Time | Varies; generally requires thorough verification |
| Customer Support | Available |
| E-commerce Platforms Supported | Limited direct integrations |
| Other Integrations | Available for multiple online services |
| Dashboard | Offers 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 – POS and Payment Gateway Solution in India
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.
| Feature | Details |
|---|---|
| Payment Methods | Credit/debit cards, UPI, net banking, mobile wallets, cash, cheques, Bharat QR, meal vouchers |
| Registration Documents | Business verification and KYC required |
| Settlement Period | T+2 days (transaction day plus two working days) |
| Mobile App Integration | Offers mobile POS systems compatible with smartphones and tablets |
| Onboarding Time | Slow approval process for new merchants |
| Customer Support | Experienced and recognized support |
| E-commerce Platforms Supported | Compatible with major e-commerce platforms |
| Other Integrations | Provides invoicing, inventory management, and analytics tools |
| Dashboard | Offers 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 – Scalable Payment Processor for Growing Businesses
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.
| Feature | Details |
|---|---|
| Payment Methods | Credit/debit cards, UPI, net banking, mobile wallets, EMI |
| Registration Documents | KYC and business verification required |
| Settlement Period | In the next day |
| Mobile App Integration | Supports integration with mobile platforms via APIs and SDKs |
| Onboarding Time | Quick setup |
| Customer Support | 24/7 customer support available |
| E-commerce Platforms Supported | Compatible with e-commerce platforms |
| Other Integrations | Provides APIs and SDKs for seamless integration with web and mobile platforms |
| Dashboard | Offers 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.
Decard – New-Age Payment Gateway for India’s Online Market
Decard is a relatively lesser-known payment processor in India, offering secure online transactions with a focus on integrating various payout methods into a unified system. Though not as widespread, Decard provides essential features for small businesses looking for basic online payout functionality.
| Feature | Details |
|---|---|
| Payment Methods | Credit/debit cards |
| Registration Documents | Business verification required |
| Settlement Period | T+1 (next business day) |
| Mobile App Integration | Through APIs |
| Onboarding Time | Quick process |
| Customer Support | Available for Indian users |
| E-commerce Platforms Supported | Designed for financial and trading companies |
| Other Integrations | Integrated invoicing and reporting tools |
| Dashboard | Comprehensive dashboard for transaction |
| Payment MethodsCredit/debit cards | |
| Registration DocumentsBusiness verification required | |
| Settlement PeriodT+1 (next business day) | |
| Mobile App IntegrationThrough APIs | |
| Onboarding TimeQuick process | |
| Customer SupportAvailable for Indian users | |
| E-commerce Platforms SupportedDesigned for financial and trading companies | |
| Other IntegrationsIntegrated invoicing and reporting tools | |
| DashboardComprehensive dashboard for transaction |
Pros
- Simple and user-friendly setup.
- No setup fees on basic accounts.
Cons
- Limited payout options compared to larger payment service providers in India.
- No multi-currency or international support.
Einpayz – Reliable Online Payment Gateway for India 2025
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.
| Feature | Details |
|---|---|
| Payment Methods | Credit/debit cards, net banking, UPI |
| Registration Documents | Business verification documents required |
| Settlement Period | Longer settlement periods for some transactions |
| Mobile App Integration | Easy to integrate |
| Onboarding Time | Quick setup with no setup fee |
| Customer Support | Customer service available |
| E-commerce Platforms Supported | Compatible with major e-commerce platforms |
| Other Integrations | Integrated invoicing and reporting tools |
| Dashboard | Provides 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
