By 2023, India will make nearly46% of all real-time payment transactions worldwide. Digital payments are becoming the best payment gateway in India, from urban centers to rural towns, thereby positioning India as a global leader in new methods of payments.

The following table provides key indicators of India's e-commerce landscape:

👤 Population:
Over 1.4 billion
🛒 Percentage of Online Shoppers
750 million e-retail shoppers
🛍️ Popular Product Categories:
Electronics, Fashion, and Grocery
💰 Consumer Spending:
INR 12– INR 14 trillion

What is a Payment Gateway?
Payout gateway is the medium through which the digital payments can pass between customer and merchant. More precisely, it just enables customers to make online transactions, authorizing the flow of money from their banks into themerchant’s account. Payout gateways in India are assuming considerable importance; more so because people are depending a lot on e-commerce & small business digital payments.

Things to Keep in Mind When Picking a Payment Gateway in India

Deciding on the best payment gateway in India entails considering several elements:

Transaction costs.Payment gateways usually levy a percentage fee on each transaction. Businesses must choose a gateway that balances fees with features.
Integration ease. A gateway should easily integrate with e-commerce platforms, apps, websites etc.
Transaction methods supported. Gateway should support local methods likeUPI, credit cards or digital wallets.
Security & compliance.Adherence to regulations likePCI DSS &data protection laws ensures secure transactions.
Customer assistance.Prompt and effective support is crucial, particularly when resolving conflicts or addressing technical challenges.

In the ever-evolving Indian digital landscape, the right payout gateway is a key business success enabler.

Best Payment Gateways in India

There is a wide range of top payment gateways in India that cater to different business needs. The main payment gateway companies in India are:

Paykassma
PayPal;
HDFC SmartGateway;
Stripe;
IMPS (Immediate Payment Service);
UPI;
Razorpay;
MobiKwik;
BillDesk;
PhonePe;
Cashfree;
Paytm;
Easebuzz;
Instamojo;
PayU;
CCAvenue;
NTT DATA;
OPEN;
Airpay;
Zaakpay;
PayGlocal;
Nimbbl;
PayKun;
DirecPay;
ePaisa.

Below, we’ll delve into how many payment gateways in India and major types payment gateways in India, including their features, pros & cons, and setup fees for payout gateway.

🔥 Paykassma

Website:https://paykassma.com/

Paykassma has been a leading payment processing solution since 2019, serving India, Bangladesh, Indonesia, Vietnam, South Africa, Brazil, and many other countries. Specializing in high-risk payments, Paykassma offers reliable and secure solutions tailored to industries with elevated financial risks.

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

Paykassma Features & Services:

Over 4 billion potential customers in the most promising markets.
Instant payment processing, user payouts, and withdrawals in BTC/USDT or via bank transfer anytime.
Easy integration via API or a customizable Payment Page.

Paykassma provides online payment solutions for any industry, service and website.

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

Paykassma knows how to make payment processing truly reliable, regardless of transaction volume.

Cons:

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

This mobile-focused solution may be challenging for individuals with limited internet access.

Setup Fee: Free

Requirements:Businesses must be legally registered in India and comply with all requirements, including enrolling through Wing’s business partner programs.

Accepted transaction methods:Bank transfers, cryptocurrency options like BTC and USDT, UPI, Paytm, PhonePe by number, IMPS.

Availability:While Paykassma operates globally, it focuses on India, delivering customized payment solutions to address the specific needs of this market.

Supported currencies:The platform facilitates transactions inIndian Rupee (INR) andUS Dollar (USD), the main currencies for e-commerce in India.

🔥 PayPal

Website:PayPal
Most people think that the answer to which payment gateway is best in India is PayPal. It supports cross-border transactions plus has over 325 million active users.

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

PayPal Features & Services:

Supports over100 payment currencies in 56 currencies.
Offers buyer protection, dispute resolution, plus multi-currency transactions.
Integrated invoicing with recurring billing features for businesses.

Pros:

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

Cons:

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

Setup Fee:Free

Requirements:Business & bank account verification.

Accepted transaction methods: Credit & debit cards, PayPal balance, bank transfers.

Availability:Available in 200+ countries, including Bharat.

Supported currencies: 56 currencies, including INR, USD, EUR, plus GBP.

🔥 HDFC SmartGateway

Website:HDFC SmartGateway
HDFC SmartGateway is an online payment gateway in association withHDFC Bank. It enables professional and seamless digital transaction capabilities for any business around the world. This one of the most reliable payment gateway companies supportsover 150+ payoutoptions.

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

HDFC SmartGateway Features & Services

Supports multiple payout methods like cards, Net Banking.
Provides real-time analytics plus PCI-DSS level security.
Dynamic routing between gateways to maximize success rates.

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.

Setup fee: Free (on basic plan)

Requirements: HDFC Bank account, business verification.

Accepted transaction options: Debit cards, Electronic wallets.

Availability: Bharat plus international regions.

Supported currencies: INR, USD, EUR etc.

🔥 Stripe

Website:Stripe
Stripe is one the best payment gateways in India. It delivers best-in-class developers’ tools with unparalleled personalization options. Highly popular for online and in-person transactions, its seamless integrations with mobile apps end.

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.

Stripe Features & Services

Supports over 100 payout methods, including UPI or international cards.
Fraud prevention using machine learning with real-time analytics.
Easy integration with customizable developers’ UIs.

Pros:

Excellent regarding both startups plus large enterprises.
OffersA/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.

Setup fee:Free

Requirements: Business verification & KYC completion.

Accepted transaction methods: Credit/debit cards, Net banking, wallets.

Availability: Globally, including Bharat.

Supported currencies: 100+ currencies, including INR, USD, GBP.

🔥 IMPS (Immediate Payment Service)

Website:IMPS
IMPS is a real-time immediate payment service offered by theNational Payments Corporation of India (NPCI). As one of the most popular payment gateway providers in India it allows 24/7 bank transfers on bothP2P & P2M transactions.

Feature	Details
Payment Methods	Bank transfers via mobile banking, internet banking, and ATMs.
Registration Documents	Active bank account with a registered mobile number.
Settlement Period	Instantaneous settlement in real-time.
Mobile App Integration	Supported through banks' mobile banking applications.
Onboarding Time	Immediate, upon registration for mobile or internet banking services.
Customer Support	Provided by individual banks offering IMPS services.
eCommerce Platforms Supported	Integration possible through banks' payment gateways.
Other Integrations	Compatible with various banking channels and third-party payment apps.
Dashboard	Account activity accessible via bank-provided online platforms.

IMPS Features & Services

Immediate fund transfers 24/7, even on holidays.
Accessible through mobile apps, internet banking, ATMs.
Secure transactions through two-factor authentication.

Pros:

Available 24/7 regarding real-time transfers.
Low-cost transactions.
Supported by all major banks.

Cons:

Limited international payout support.
Mostly used for Indian bank-to-bank transfers.

Setup fee: -

Requirements: Linked bank account.

Accepted transaction methods: Bank transfers via mobile, Net Banking, ATMs.

Availability: Bharat.

Supported currencies: INR.

🔥 UPI (Unified Payments Interface)

Website:UPI
UPI is a real-time payout system that facilitates interbank transfers through mobile devices. It is one of the most popular according to the list of payment gateways in India. It processes billions of transactions monthly.

Feature	Description
Payment Methods	Instant bank transfers, QR code payments, in-app payments.
Registration Documents	Valid bank account linked to a mobile number.
Settlement Period	Real-time settlement.
Mobile App Integration	Compatible with various apps like PhonePe, Google Pay, Paytm, and more.
Onboarding Time	Quick setup; typically a few minutes to link bank account and create UPI ID.
Customer Support	Support provided through respective UPI-enabled apps and participating banks.
eCommerce Platforms Supported	Widely supported across major Indian e-commerce platforms.
Other Integrations	Integration with utility bill payments, mobile recharges, and more.
Dashboard	User-friendly interfaces within apps to view transaction history and manage accounts.

UPI Features & Services

Supports instant bank transfers plus QR code-based payments.
No transaction fees.
Available across multiple apps, such asPhonePe orGoogle Pay.

Pros:

Widely accepted across India.
Simple, quick transactions.

Cons:

Limited international payment’s support.
Subject to fraud if not used cautiously.

Setup fee: -

Requirements:Bank account linked to UPI-enabled app.

Accepted transaction methods:Bank transfers, QR codes, in-app payments.

Availability: Bharat with selected international markets.

Supported currencies: INR.

🔥 Razorpay

Website:Razorpay
Razorpay is an Indian leading company in payment gateway list India, which offers a whole gamut of solutions related to making payments for businesses, especially SMEs. It provides easily integratable APIs across various platforms.

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	User-friendly dashboard offering real-time analytics, transaction tracking, and reporting

Razorpay Features & Services

Supports credit cards, debit cards, UPI, net banking, ewallets.
Subscription payments with recurring billing options.
Advanced fraud detection plus prevention mechanisms.

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.

Setup fee:Free

Requirements:KYC verification.

Accepted transaction methods:Credit/debit cards, UPI, wallets, EMI.

Availability: Bharat.

Supported currencies:INR, USD, GBP etc.

🔥 MobiKwik

Website: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.

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

MobiKwik Features & Services

OffersUPI integration, mobile wallet payments, and credit through MobiKwik ZIP.
Supports bill payments, recharges, plus online shopping.

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.

Setup fee:Free

Requirements: Mobile number verification & KYC.

Accepted transaction methods:Credit/debit cards, UPI, wallets.

Availability: Bharat.

Supported currencies: INR.

🔥 BillDesk

Website:BillDesk
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

BillDesk Features & Services

Supports a wide range of payout methods, including cards, net banking, wallets.
Real-time transaction monitoring and reporting.

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.

Setup fee: Free (Startup plan)

Requirements:KYC for merchants.

Accepted transaction methods: Credit/debit cards, net banking, UPI.

Availability: Bharat.

Supported currencies:INR.

🔥 PhonePe

Website:PhonePe
PhonePe is the answer to which is the best payment gateway in India. It supports a variety of payout methods including UPI, credit/debit cards, wallets.

Feature	Details
Payment Methods	UPI, credit/debit cards, net banking, digital wallets
Registration Documents	Business PAN, GSTIN, bank account details, and other KYC documents as required
Settlement Period	Typically T+2 days (transaction day plus two working days)
Mobile App Integration	Provides SDKs and APIs for seamless integration with mobile applications
Onboarding Time	Quick onboarding process, often completed within 3 days
Customer Support	Offers robust support through various channels, including email and phone
E-commerce Platforms Supported	Compatible with major platforms like Shopify, WooCommerce, and Magento
Other Integrations	Supports integration with various business tools and platforms for enhanced functionality
Dashboard	User-friendly dashboard with real-time analytics and reporting features

PhonePe Features & Services

UPI-based payments, bill payments plusP2P transfers.
Supports QR code-based transactions.

Pros:

Large user base across IN.
Easy to use with multiple integrations.
No transaction fees for UPI.

Cons:

Limited international support.
Primarily focused on mobile payments.

Setup fee: Free

Requirements: UPI-enabled bank account.

Accepted transaction methods:UPI, credit/debit cards, wallets.

Availability:Bharat.

Supported currencies: INR.

🔥 Cashfree

Website:Cashfree
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

Cashfree Features & Services

Supports credit/debit cards, net banking, UPI, electronic wallets.
Instant refunds and same-day settlements.

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.

Setup fee: Free

Requirements:KYC for businesses.

Accepted transaction methods: UPI, wallets.

Availability: Bharat.

Supported currencies:INR, USD.

🔥 Paytm

Website:Paytm
Paytm is one of India’s largest payment processors in India. It offers different services,from bill payments to online shopping.

Feature	Details
Payment Methods	Supports UPI, wallets, credit/debit cards.
Registration Documents	KYC for merchants.
Settlement Period	Subscription-based payout model for businesses.
Mobile App Integration	Easy to integrate with multiple platforms.
Onboarding Time	Slow approval process for new merchants.
Customer Support	Widely used and recognized support, but potential delays in approval response.
E-commerce Platforms Supported	Compatible with major e-commerce platforms.
Other Integrations	Available for multiple online services, including bill payments and online shopping.
Dashboard	Provides a comprehensive dashboard for transaction tracking and business insights.

Paytm Features & Services

Supports UPI, wallets, credit/debit cards.
Offers a subscription-based payout model for businesses.

Pros:

Widely used by consumers and businesses alike.
Easy to integrate with multiple platforms.

Cons:

Expensive fees for credit card payment processing.
Slow approval process for new merchants.

Setup fee:Free

Requirements:KYC for merchants.

Accepted transaction methods: UPI, wallets.

Availability:Bharat.

Supported currencies:INR.

🔥 Easebuzz

Website:Easebuzz
Easebuzz is an emerging Indian payout gateway focused on providingSMEs 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

Easebuzz Features & Services

Offers payout links, online payout pages or subscription billing.
Integrated with UPI payment gateway list and net banking.

Pros:

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

Cons:

Limited international reach.
Smaller user base compared to competitors.

Setup fee:Free

Requirements: Business verification.

Accepted transaction methods: UPI, net banking.

Availability: Bharat.

Supported currencies:INR.

🔥 Instamojo

Website:Instamojo
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

Instamojo Features & Services

Offers payout links, mobile app integration, store setup.
Accepts all major payout modes.

Pros:

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

Cons:

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

Setup fee:Free

Requirements: Business verification.

Accepted transaction methods: UPI, wallets.

Availability:Bharat.

Supported currencies:INR.

🔥 PayU

Website:PayU
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

PayU Features & Services

Supports credit/debit cards, UPI, net banking, plus ewallets.
Advanced fraud prevention with one-click payments.

Pros:

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

Cons:

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

Setup fee:Free

Requirements:KYC for businesses.

Accepted transaction methods:Credit/debit cards, UPI, net banking.

Availability:Bharat plus select international markets.

Supported currencies: INR, USD.

🔥 CCAvenue

Website:CCAvenue
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

CCAvenue Features & Services

Offers over 200 payment solutions, such as credit/debit cards, net banking, UPI, EMI, and more.
Facilitates multi-currency payment processing, enabling businesses to handle payments in 27 currencies.
Real-time security measures compliant with PCI-DSS Level 1 for fraud detection.

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.

Setup fee: Free on basic plan

Requirements:Business KYC verification.

Accepted transaction methods: Credit/debit cards, UPI, net banking, wallets, EMI.

Availability:Bharat plus international markets.

Supported currencies: 27 currencies including INR, USD, EUR.

🔥 NTT DATA

Website:NTT DATA
NTT DATA is aglobal 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

NTT DATA Features & Services

Supports credit/debit cards, Net banking, UPI.
Highly secure platform with advanced encryption plus fraud monitoring tools.
Real-time transaction monitoring and comprehensive reporting tools.

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.

Setup fee:Custom pricing based on business size.

Requirements:Enterprise KYC and compliance verification.

Accepted transaction methods: Credit/debit cards, net banking, UPI.

Availability:Bharat/globally.

Supported currencies: INR, USD, GBP.

🔥 OPEN

Website: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.

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

OPEN Features & Services

Supportsover 200 payout methods including UPI with Net banking.
Integrated banking with invoicing solutions leading to better financial management.
Real-time tracking of payments and expenses through a single dashboard.

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.

Setup fee: INR 15,000 annually

Requirements:Business registration plus verification.

Accepted transaction methods: Credit/debit cards, UPI, net banking.

Availability: Bharat.

Supported currencies:INR.

🔥 Airpay

Website:Airpay
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

Airpay Features & Services

Supports all major payment methods includingUPI, cards, net banking, or E-wallets.
Provides offline payout solutions such as POS integration and QR code payments.
Real-time transaction tracking and data analytics for businesses.

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.

Setup fee: Custom pricing based on business needs.

Requirements: Business KYC verification.

Accepted transaction methods:Credit/debit cards, UPI, wallets, net banking.

Availability: Bharat.

Supported currencies: INR.

🔥 Zaakpay

Website: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.

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

Zaakpay Features & Services

Supports credit/debit cards, UPI, Net banking, electronic wallets.
No installation costs for small businesses.
Seamless integration with e-commerce platforms like WooCommerce or Shopify.

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.

Setup fee: Free for startups

Requirements: Business verification.

Accepted transaction methods: Credit/debit cards, UPI, net banking, wallets.

Availability: Bharat.

Supported currencies: INR.

🔥 PayGlocal

Website: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.

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

PayGlocal Features & Services

Supports international credit/debit cards and multi-currency transactions.
Advanced fraud protection with chargeback management tools.
Real-time currency conversion at competitive rates.

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.

Setup fee:Custom pricing

Requirements: Business KYC verification.

Accepted transaction methods: Credit/debit cards, international payout methods.

Availability:Globally.

Supported currencies: Multiple currencies including USD, EUR, GBP.

🔥 Nimbbl

Website: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.

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

Nimbbl Features & Services

One-click payments.
Integrated with multiple transaction methods including UPI and cards.
Offers checkout optimization tools to reduce cart abandonment.

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.

Setup Fee:Free

Requirements:Business verification.

Accepted transaction methods: UPI, credit/debit cards.

Availability:Bharat.

Supported currencies:INR.

🔥 PayKun

Website:PayKun
PayKun is in the Indian payment gateway list. This company is known for its simple setup and various transaction options. It caters tosmall 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

PayKun Features & Services

Supports credit/debit cards, UPI, net banking, and wallets.
No setup or annual fees, making it affordable for small businesses.
Offers 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.

Setup Fee: Free

Requirements:KYC for businesses.

Accepted transaction methods:Credit/debit cards, UPI, wallets, net banking.

Availability:Bharat.

Supported currencies:INR.

🔥 DirecPay

Website:DirecPay
DirecPay is an online transaction gateway solution that offers merchants an integrated suite of payout options, including credit cards, debit cards, Net banking or mobile payments.

Feature	Details
Payment Methods	Credit/debit cards, UPI, net banking, mobile payments
Registration Documents	Business KYC verification required
Settlement Period	Longer settlement periods for some transactions
Mobile App Integration	Available for both Android and iOS devices
Onboarding Time	Quick setup
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 payout dashboard for tracking transactions

DirecPay Features & Services

Supports credit/debit cards, UPI, mobile payments.
Secure platform with PCI-DSS compliance.
Comprehensive payout dashboard for tracking transactions.

Pros:

Multiple transaction options for merchants.
Secure, reliable platform.

Cons:

Higher transaction fees on credit cards.
Limited international support.

Setup Fee:INR 7,500

Requirements: Business KYC verification.

Accepted transaction methods: Credit/debit cards, UPI, net banking.

Availability:Bharat.

Supported currencies: INR.

🔥 ePaisa

Website: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.

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

ePaisa Features & Services

Supports all major payout methods, including credit/debit cards, UPI, Net Banking, ewallets etc.
Offers mobile POS systems to support offline businesses.
Provides invoicing and inventory management tools on small & medium businesses.

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.

Setup Fee:Free

Requirements:Business verification and KYC.

Accepted transaction methods:Credit/debit cards, UPI, wallets, net banking.

Availability:Bharat.

Supported currencies: INR.

🔥 Payzcart

Website: 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 over120 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

Payzcart Features & Services:

Offers multi-currency support on international transactions.
Easy integration with APIs and SDKs for mobile/web platforms.
Supports payment links and secure, encrypted transactions.

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.

Setup fee: Free

Requirements:KYC and business verification.

Accepted transaction methods: Credit/debit cards, UPI, net banking, wallets, EMI.

Availability: Bharat plus international markets.

Supported currencies: Multiple currencies including INR, USD, EUR.

🔥 Decard

Website: -
Decard is a relatively lesser-known payment processor in India, offering secure online transactions with a focus on integrating various payout methods into aunified 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

Decard Features & Services:

Accepts credit/debit card payments.
Easy setup for small businesses and freelancers.
Secure processing with encryption.

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.

Setup fee:Free

Requirements:Business verification.

Accepted transaction methods: Credit/debit cards.

Availability: Bharat.

Supported currencies: INR.

🔥 Algorithmic

Website: -
Algorithmic is a payment processor India designed to meet the needs of high-frequency trading and automated payments. It is primarily used by financial companies needing fast, efficient payment processing. The service integrates sophisticated algorithms to optimize transaction speeds and security.

Feature	Details
Payment Methods	Bank transfers, credit/debit cards
Registration Documents	Business verification in financial sectors
Settlement Period	Typically T+1 (next business day)
Mobile App Integration	Supports integration with mobile apps through APIs
Onboarding Time	Quick onboarding process
Customer Support	Available
E-commerce Platforms Supported	Not ideal for general e-commerce; primarily designed for financial and trading companies
Other Integrations	Supports various APIs for seamless integration with trading platforms
Dashboard	Comprehensive dashboard for transaction

Algorithmic Features & Services

High-speed, automated transaction processing.
Advanced fraud detection systems.
Supports various APIs for seamless integration with trading platforms.

Pros:

Designed to meet all needs of high-speed environments.
Strong security protocols for fraud prevention.

Cons:

Limited to financial and trading companies.
Not ideal regarding general e-commerce.

Setup fee:Custom pricing based on volume.

Requirements:Business verification in financial sectors.

Accepted transaction methods:Bank transfers, credit/debit cards.

Availability: Globally, with a focus on financial markets.

Supported currencies: USD, EUR, GBP.

🔥 Einpayz

Website: -
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, supportingmultiplepayout 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

Einpayz Features & Services

Multi-currency support with competitive exchange rates.
Integrated invoicing and reporting tools for businesses.
PCI-DSS compliant for secure transactions.

Pros:

Extensive global transaction support.
Clear pricing without concealed charges

Cons:

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

Setup fee:Free

Requirements: Business verification.

Accepted payout methods:Credit/debit cards, net banking, UPI.

Availability: Bharat and international markets.

Supported currencies:Multiple currencies including INR, USD, EUR.

10 Best Payment Gateways That You Should Choose in India

Here is the table with top 10 payment gateway in India and their major features:

Payout Gateway	Setup Fee	Annual Fee	Commission Per Transaction	Accepted Payout Methods	Supported currencies
Razorpay	Free	None	2% + GST on domestic cards, 3% on international cards	Credit/Debit cards, UPI, EMI, Wallets	INR, USD, GBP
Paytm	Free	Free	1.80% on net banking, 1.55% on wallets, 2.65% on AMEX/International	UPI, Credit/Debit cards, Net banking	INR
CCAvenue	Free	Rs. 1,200/year	2.0% on domestic transactions, 3% on international	Credit/Debit cards, UPI, Net banking	27 currencies
Instamojo	Free	None	2% + Rs. 3 on all transactions	UPI, Cards, Net banking	INR
PayU	Free	None	2% + GST on domestic, 3% + GST on international	Credit/Debit cards, EMI, UPI, Net banking	INR, USD
Cashfree	Free	None	1.75% on domestic, 3.5% on international cards	UPI, Credit/Debit cards, Net banking	INR
Mobikwik	Negotiable	Negotiable	2% on wallets, cards	Credit/Debit cards, Wallets	INR
PayKun	Free	None	1.75% on domestic, 3% on international cards	UPI, Cards, Net banking, Wallets	INR
Zaakpay	Free for startups	Rs. 2,400/year from 2nd year	Custom rates based on the business	Credit/Debit cards, UPI, Wallets	INR
DirecPay	Rs. 7,500	Rs. 2,400/year	6.5% TDR on all cards, net banking	Credit/Debit cards, Net banking, UPI	INR

Conclusion

India’s payment landscape is evolving rapidly, led by innovations like UPI and supported by adifferent payout gateways. Whether you’re a small business owner or a large enterprise, choosing the right payment gateway involves understanding transaction fees, supported payout methods, and ease of integration. As digital payments are poised to lead the economy, this is the perfect moment to discover the best online payment gateway in India for your business.

FAQ

Which is the No 1 payout gateway in India?

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

Which payout gateway charges less in India?

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

Which payout gateway is best for international transactions?

PayPal is widely recognized thanks to cross-border transactions.

How does a payout gateway work?

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