A smooth checkout can make or break online sales. Choosing the right payment gateway in India affects your fees, cash flow and customer experience. Popular options include Razorpay, PayU, Cashfree, PhonePe Payment Gateway, CCAvenue and Stripe (for international payments).
What to compare
1. Transaction fees
Most gateways charge a percentage per transaction, with different rates for UPI, domestic cards, credit cards, international cards and EMI. Check the latest pricing on each provider's website — rates change, and volume-based discounts are often available.
2. Settlement time
How fast money reaches your bank matters for cash flow. Standard settlement is usually a couple of working days, with faster or instant settlement available at extra cost.
3. Payment methods supported
- UPI (including UPI intent and QR)
- Debit and credit cards, including RuPay
- Net banking and wallets
- EMI and Pay Later options
- International cards and multi-currency
4. Features you might need
- Payment links and QR codes for WhatsApp sales
- Subscriptions and recurring payments
- Split payments for marketplaces
- Automatic refunds and reconciliation reports
5. Onboarding and documents
Keep your PAN, GST, bank details and live website with policies (privacy, refund, terms, contact) ready. Gateways review your website before activation.
6. Integration and support
Check plugins for your platform, SDKs for mobile apps, and how responsive their support team is during disputes or failed payments.
Quick tips
- Always offer UPI — it is the most preferred method for many Indian buyers
- Enable payment links for orders that come on WhatsApp or phone
- Keep a backup gateway for high-volume sales days
- Test the checkout on mobile before launch
We integrate secure payment gateways in websites and apps and set up everything from webhooks to GST invoices. See our e-commerce development services.
