Best Payment Gateways In India

best payment gateway

The Internet is a huge marketplace, taking your business online can reward you with a whole bunch of new customers from almost any corner of the world.

Taking your business online is a dream of almost every business owner whether it is small or big. But, there is an issue of payment.

How will you get paid? The answer is,

– Payment Gateway

Payment Gateways are the middleman between us and your paying customer. They provide you with the facility to get paid by your customers online.

When you Google Payment Gateways, you will find a shitload of sites and companies and ads each offering different offers. So, how can you choose the best one which suits your needs?

Well, we have tested and examined several payment gateways including some of the biggest names in the industry and created a list of some of the best payment gateway available.

Things to Consider Before Choosing the Payment Gateway

  • Cost (Setup fee, TDR, Annual Fees)
  • Time to setup everything
  • Payment options (Debit/Credit card, Net banking, Mobile Wallets, UPI)
  • Support

From tons of available payment gateway, we have carefully rounded up the list of some of the best payment gateways suitable for small businesses considering the parameters above.

Best Payment Gateway

PayUbiz & PayUMoney


Both of these products provided by payment solution provider PayU India. In 2015, PayU India established both of these products as clear independent businesses.

Now, PayUbiz only focuses on International payment solutions and large enterprises while PayUMoney is consumer brand which provides wallet solutions and payment acceptance solution for small businesses. PayU India has over more than 4000 active merchants.

  • Setup Fee: For PayUbiz it starts at Rs 4,900 and goes up to Rs 29,000. For PayUMoney, it’s Zero.
  • Annual Maintainance Fee: For PayUbiz it’s Rs 2,400 and for PayUMoney it’s zero.
  • Transaction Fee: For PayUbiz it’s 2.20%  and goes up to 3.90% according to your plan and for PayUMoney it’s 2%.

You May Also Like: 5 Quick Ways to Receive Payments Online.



Founded in 2001, CCAvenue is one of the oldest payment solution providers in India. In its old days, they use to take 15-20 days for activation. But nowadays, they are claiming to complete the activation in 24 hours.

Along with that, CCAvenue supports almost every bank and payment option available out there, For example, it supports EMI as a payment option from over 6 banks, 100+ debit cards, 53+ net banking, 4 cash cards, 2 mobile wallets and 40+ bank’s IMPS, and 27 Multi-currency.

It is highly reliable and used by big companies and websites like Snapdeal and others. Go for CCAvenue if you wanna use a reliable payment gateway in India that is tried and tested.

  • Setup Fee: Zero for Startup Pro Plan, Rs. 30,000 for Privilege Plan.
  • Annual Maintainance Fee: Rs 1,200, free for the first year.
  • Transaction Fee: From 1.99% + Rs.3 up to 2.99% + Rs.3.



Razorpay allows you to accept payments through probably all payment modes available including debit card, credit card, net banking, UPI and popular wallets including PayUmoney, Mobikwik, Airtel Money, FreeCharge, JioMoney, Ola Money, and PayZapp.

Razorpay provides the highest level of tech integration at a reasonable price.

  • Setup Fee: Zero.
  • Annual Maintainance Fee: Zero.
  • Transaction Fee: 2% on all successful transactions + 1% for International cards.



InstaMojo is the simplest and easiest payment gateway I have come across. It allows merchants to collect payments with or without a website and the charges are reasonable.

You can start receiving payments after simple signup using an email address, after signup you will see the documentation required.

  • Setup Fee: Zero.
  • Annual Maintainance Fee: Zero.
  • Transaction Fee: 2% + Rs 3 fee.



PayTM is a very popular mobile wallet in India and it got popular as a payment gateway because of its vast consumer base with its wallet.

So, it makes sense for lots of small business owners to accept payments through PayTM. Using PayTM is super easy and making payments with its wallet or other options like credit/debit card, net banking, and UPI is super easy.

After you sign up as a PayTM merchant, you need to submit business registration and bank account details. After that, the activation takes 2 days, as soon as your account is activated, you can start receiving payments.

  • Setup Fee: Rs 5000. Waived as of now.
  • Annual Maintainance Fee: Rs 5000. Waived as of now.
  • Transaction Fee: Flat 1.99% + Taxes.

So, which one do you think is best? Do you know any awesome Payment Gateway that is not on this list? Let us know in the comment section below.

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