Best Payment Gateways In India

best payment gateway

The Internet is a vast marketplace; taking your business online can reward you with many new customers from almost any corner of the world.

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

How will you get paid? The answer is,

– Payment Gateway

Payment Gateways are the middleman between your paying customer and us. 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, companies, and ads, each offering different offers. So, how can you choose the best one which suits your needs?

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 set up everything
  • Payment options (Debit/Credit card, Net banking, Mobile Wallets, UPI)
  • Support

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

Best Payment Gateway



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.

PayUbiz & PayUMoney


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

PayUbiz now focuses on International payment solutions and large enterprises, while PayUMoney is a consumer brand that provides wallet solutions and payment acceptance solutions for small businesses. PayU India has more than 4000 active merchants.

  • Setup Fee: PayUbiz 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%.


Founded in 2001, CCAvenue is one of India’s oldest payment solution providers. In its old days, they used 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. 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, 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.



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; you will see the documentation required after registration.

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



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

So, it makes sense for many 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 must 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 excellent Payment Gateway that is not on this list? Let us know in the comment section below.

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