Online payment gateways are an integral part of e-commerce websites for businesses of all sizes. Online payment platforms in India are slightly different from those in countries abroad. With UPI integration, cash on delivery, and government rules that are different from other countries, which prevents storing of credit card or other payment information, payment gateways in India work differently. Choosing a payment gateway for your business is integral for various reasons and varies from your needs in business. While all payment gateways can be integrated into e-commerce frameworks that are prominent, like Shopify and WooCommerce, ease of integration for custom web applications is an important factor apart from security features and support.
This article discusses some of the best payment gateway platforms in India in 2025. We chose these platforms based on one developer-friendly API, international payment acceptance, transaction fees, real-time analytics, QR code payments, UPI integration, net banking facilities, and more. While most of the platforms do provide basic e-commerce payments, some payment gateways provide POS systems, retail payments, advanced fintech solutions, and B2B payment gateways.
| Company | Key Features | Charges |
|---|---|---|
| PhonePe | UPI-based, QR code payments, wallet integration, high market share. | No charges for UPI; 2-3% for cards and wallets. |
| Google Pay | UPI-based, seamless transaction experience, high user base. | No charges for UPI; card and wallet charges depend on integrated gateways (typically 2-3%). |
| Razorpay | Multi-payment support (cards, UPI, net banking), subscription billing, instant settlements. | 2% + ₹3 per transaction for domestic payments; 3% for international payments. |
| Paytm | Wallet, UPI, cards, net banking, additional features like online store setup. | 2% for credit/debit cards; 1.99% for wallets; no charges for UPI. |
| CCAvenue | Over 200 payment options, multi-currency support, customizable checkout pages. | 2% for domestic cards; 3% for international cards; ₹1,200 setup fee. |
| PayU India | Easy integration, fraud prevention mechanisms, international payment acceptance. | 2% for domestic transactions; 3% for international; no setup fee. |
| Cashfree | Instant settlements, over 120 payment methods, international payment support. | 1.75% for domestic cards and UPI; 3.5% for international. |
| Instamojo | Over 100 payment methods, suitable for SMBs, offers invoicing and online store creation. | 2% + ₹3 per transaction for all payment modes. |
| BillDesk | Focus on recurring payments, trusted by major brands, secure platform for billing. | Custom pricing based on transaction volume (typically 1.5%-2.5%). |
| MobiKwik | Wallet services, growing market share, UPI and card payments. | 2% for cards and wallets; no charges for UPI. |
| BharatPe | UPI and QR code payments, no transaction fees, popular with SMBs. | No transaction charges. |
| Freecharge | Wallet services, UPI integration, used by e-commerce platforms. | Typically 2% for cards and wallets; no charges for UPI. |
| JusPay | Secure payment platform, one-click payments, used by Amazon Pay and Flipkart. | Custom pricing; typically 2% for domestic cards and UPI. |
| Atom Technologies | Supports online, mobile, and POS payments, multi-currency support, fraud detection. | Custom pricing based on payment type (1.75%-3%). |
| HDFC PayZapp | Wallet and card integration, comprehensive solution for individuals and businesses. | 2% for cards and wallets; no charges for UPI. |
| SBI Epay | Digital banking and payment services, UPI, mobile recharges, bill payments. | No charges for UPI; standard card charges apply (1.5%-2%). |
| Amazon Pay | Wallet, UPI, and card payments, seamless integration with Amazon and other platforms. | 2% for cards and wallets; no charges for UPI. |
| Pine Labs | POS solutions, payment gateway services, widely used by retailers. | Custom pricing for POS; 2%-3% for cards and wallets. |
| EBS (E-Billing Solutions) | Multi-currency support, secure transactions, integration with e-commerce platforms. | 2% for domestic transactions; 3.5% for international. |
| PayKun | Newer payment gateway, supports UPI, cards, wallets, and net banking. | 1.75% for domestic cards; 3% for international cards. |
| Stripe | Developer-friendly APIs, local payment methods (UPI, Rupay), global scalability. | 3% for domestic transactions; 3.5% + ₹3 per international transaction. |
| Simpl | Buy-now-pay-later (BNPL) platform, works with e-commerce merchants. | No direct charges to merchants; fees are included in customer repayments. |
| Airtel Payments Bank | UPI payments, mobile recharges, utility bill payments. | No charges for UPI; standard card charges apply (1.5%-2%). |
| FasTag by Paytm | Toll payments, QR code integration, part of Paytm’s ecosystem. | Standard wallet and card charges (2%). |
| Zeta | Corporate payment solutions, employee benefits like meal and fuel cards. | Custom pricing for corporate clients |
PhonePe – Leading Payment Processor For Ecommerce in India
PhonePe is a payment processing provider that allows businesses to start free (for a limited period), after which it charges 1.95% of the transaction amount as a transaction fee. There is no setup fee. The setup is easy and comes with easy integration. The support is excellent, with personalized support for document verification, website changes to comply with the standards, secure and compliant, and multiple payment gateways, including UPI, credit, debit cards, and net banking. The dashboard is exhaustive and comes with a wide range of features like dynamic QR code creation for payments, autopay, quick checkout, and pay on delivery. PhonePe payment gateway is easy to integrate on Shopify, WooCommerce, and OpenCart, and most e-commerce frameworks with customization possibilities are exhaustive with the light SDKs and flexible APIs.
GPay – Simplify Digital Transactions, Everywhere You Go.
Google Pay (GPay) is a leading payment gateway provider in India with constant updates and changes to its platform. Backed by Google, Google Pay does not charge an installation fee or setup fee. It supports a wide range of frameworks and is customizable. Google Pay payments are directly deposited to your bank account and have no delay when it comes to receiving payments to your account. The setup will require a professional, though basic integration is available through plugins. Google Pay comes with features like buy now, pay later, and strong customer authentication. Google Pay comes with some of the best features when it comes to checkout performance, including the availability of payment methods stored in Google platforms by the users, which helps speed up the checkout process and increase sales.
Razorpay – Seamless Online Payment Solutions for Businesses.
Razorpay allows payment through websites, apps, and social media websites. Easy to integrate and one of the oldest, time-tested payment providers in India, Razorpay accepts UPI payments and POS solutions and provides a wide range of features, including tax payments. One of the best payment gateways for businesses, Razorpay provides instant settlement. Razorpay is easy to set up with a no-code interface and comes with plugins for Shopify, WooCommerce, and all prominent e-commerce frameworks.
Paytm – Digital Wallet for Payments, Recharges, and More!
Paytm is one of the leading UPI payment providers in India and has now online payment gateway services too. Easy to integrate with plugins for all e-commerce platforms, Paytm allows payments through UPI, credit cards, and online banking and allows EMI features. The documentation and onboarding features are stringent and may take up to 2 weeks to get approved through Paytm, but once onboarded, the process is swift and integration is easy. The dashboard for Business features allows great customizability and provides detailed reporting features. Recurring payments are easy to integrate, and EMI on cards does not require any additional integration.
CCAvenue – Comprehensive Global Payment Gateway Services
CCAvenue is one of the oldest payment gateways in India, accepting over 200 types of payment modes, including net banking, UPI, prepaid instruments, credit, and debit cards. CCAvenue allows multiple currency processing, mobile payments, and dynamic routing for banking performance. Integration is relatively easy with plenty of plugins for WooCommerce, Shopify, OpenCart, and other e-commerce platforms. CCAvenue also has their own storefront you can use if you do not have a website, which could help when promoting on social media platforms.
PayU – Online Payment Gateway That Works for You.
PayU online payment gateways are easy to set up and provide unique features like instant refunds, recurring payments, and native OTP. Accept payments online through a website or an app easily. The integration is easy, and the onboarding process is easy and fully online with a simple, easy documentation process. PayU charges 2-3 percent depending on the cards used. UPI payments are free, and an 18% GST on the charges is extra. Settlement is done 2 days after the transaction. PayU allows easy integration with WooCommerce, Shopify, and most e-commerce platforms.
Cashfree – Streamline Online Payments with Instant Payouts
Cashfree allows easy and fast onboarding, faster payments, and excellent support. A great option for the Shopify platform, Cashfree also supports website and app payments through RESTful APIs, plugins, and SDKs. Cashfree accepts UPI, credit and debit cards, wallets, cash on delivery (COD), and BNPL (book now, pay later) features. You can also accept payments through SMS, WhatsApp, or social media platforms with easy-to-create and share payment links. Cashfree accepts international payments with over 100 currency supports. Unique features include recovery of abandoned orders and reduced RTO to increase conversion rate.
Instamojo – Empowering SMEs with Easy Online Payments.
Instamojo is an online e-commerce platform and a payment gateway service for e-commerce businesses. Instamojo allows you to create your own website using their platform or integrate their payment gateway into your website in WooCommerce, Shopify, or any other platform. The platform offers good customizability, and their payment gateway can be tailored to your needs. Payment settlements take 3 days, and online payments range from Google Pay, UPI, net banking, and debit and credit cards. They also provide EMI and pay-later options.
Billdesk – our Trusted Platform for Recurring Bill Payments
Billdesk is a payment aggregator solution that allows 150+ payment methods to accept payments through apps and websites. Billdesk allows recurring payment solutions, cross-border payments, and tokenization. The onboarding process is easy, and they provide 24/7 support. ? Billdesk is one of the oldest payment gateways in India with an intuitive dashboard, insights for action, and more control to the user.
Mobikwik – Digital Wallet for Hassle-Free Payments.
Located in Gurgaon, Mobikwik offers a wide range of payment methods, including QR codes, UPI, cards, and wallets. Mobikwik offers instant settlement and offers loans and credits across India. Their branded platform Zaakpay provides easy onboarding and intuitive dashboards with an all-in-one payment solution to receive funds anywhere, any time. The platform is developer-friendly with easy integration features and plugins for all major e-commerce platforms.
BharatPe – Zero-Fee UPI Payment Solutions for Merchants.
BharatPe is founded by Ashneer Grover, a leading entrepreneur, and located in Delhi. BharatPe was the first to introduce buy now, pay later features in payment gateways. BharatPe has some of the best payment solutions, including a POS system with an all-in-one payment device. BharatPe works on UPI payments only for online transactions, and integration could be difficult.
FreechargePG – Recharge and Pay with One Digital Wallet.
FreechargePG is a payment gateway backed by Axis Bank with a wide range of features. Accepting over 100+ payment options, a quick and easy onboarding process, and 24/7 tech support, Freecharge is a reliable and secure payment gateway for businesses, especially if you are an Axis Bank customer. The platform allows seamless integration features. They offer 365-day settlement features, which allow zero delays for your payments. Integration requires a developer.
Juspay – Effortless Payment Processing for Your Business.
Juspay is not a payment gateway but a payment processing provider specializing in simplifying the checkout process for online transactions. They provide API integration and innovative payment technologies to cater to businesses from e-commerce to financial services providers. Key features include multi-payment gateway support for UPI, smart routing, and SDKs for mobile app analytics. Trusted by platforms like Amazon, Flipkart, and Swiggy, Juspay is a good option for large e-commerce stores looking to optimize their payment processing and checkout system.
NTT Data – Integrated Payment Solutions Across Platforms
Atom technologies, Now NTT Data is a payment processing company and a leading payment service provider in Asia with over 100 payment modes supported. The payment gateway allows IMPS, NTFS, RTGS Bharat QR Scan and pay, net banking, credit cards, and debit cards payment options. Key features include easy retry options for failed transactions, invoice payment through email or SMS, and multibank EMI options. The payment gateway is easy to integrate and provides installation and integration kits for 25 supported platforms.
SBI Epay – Your Digital Bank for Secure Payments
SBI Epay is a payment gateway by SBI, the largest banking organization in India. The platform allows multiple payment modes, international credit cards, and UPI. The integration is relatively easy, but plugins are not available for most platforms. Supported in Java, PHP, .NET, and Python platforms, the integration requires developers with skills. Onboarding could be hard and requires extensive documentation.