Payment gateway with EMI, BNPL and enterprise integrations.
RecommendedMade in India
Starts at
2% per transaction · Domestic cards, net banking, wallets, BNPL; GST 18% extra
Finance & Accounting
Best Payment gateways & UPI in India (2027)
Payment gateways let you collect money online through UPI, cards, net banking, wallets and EMI, and settle it to your bank. In India the gateway choice affects success rates, settlement speed and the fees you pay on every rupee, so it deserves more attention than the sign-up flow suggests.
103 products compared52 made in India19 with a free plan
Top rated here
1PayU
Payment gateway with EMI, BNPL and enterprise integrations.
2% per transaction · Domestic cards, net banking, wallets, BNPL; GST 18% extra
Razorpay
Payment gateway, payment links, payouts and business banking for Indian businesses.
Pay as you go
Paytm Payment Gateway
Gateway with Paytm wallet, UPI and card acceptance.
1.99% per transaction · Standard plan, plus 18% GST
Cashfree Payments
Payment gateway and payouts with high UPI success rates.
Pay as you go
Instamojo Payments
Simple payment gateway and links for micro businesses.
Rs 0/year · Payment Links Quick plan, 2% + Rs 3 per transaction
View
Payment gateway, payment links, payouts and business banking for Indian businesses.
RecommendedFeaturedMade in India
Starts at
Pay as you go
Gateway with Paytm wallet, UPI and card acceptance.
Made in India
Starts at
1.99% per transaction · Standard plan, plus 18% GST
Payment gateway and payouts with high UPI success rates.
RecommendedMade in India
Starts at
Pay as you go
Simple payment gateway and links for micro businesses.
Made in India
Starts at
Rs 0/year · Payment Links Quick plan, 2% + Rs 3 per transaction
Payment gateway and bill collection for enterprises.
Made in India
Starts at
Pay as you go
Gateway with PhonePe UPI and card processing.
Made in India
Starts at
1.99% per transaction · Currently free under a limited-period offer (T&C apply)
Payment gateway and collections for education, SMEs and enterprises.
Made in India
Starts at
Pay as you go
Omnichannel payments with gateway and POS.
Made in India
Starts at
Pay as you go
Payment gateway from MobiKwik.
Made in India
Starts at
Pay as you go
Merchant UPI and wallet acceptance.
Made in IndiaFree
Starts at
Free
Interoperable UPI QR and merchant loans.
Made in IndiaFree
Starts at
Free
The Unified Payments Interface itself, operated by NPCI.
Made in IndiaFree
Starts at
Free
POS terminals and payment acceptance for merchants.
Made in India
Starts at
Pay as you go
Audio payment confirmation device for merchants.
Made in IndiaBest value
Starts at
₹125/mo
International payment collection for Indian exporters with FIRA.
NewMade in India
Starts at
Pay as you go
Cross-border payments and virtual accounts for Indian businesses.
NewMade in India
Starts at
Pay as you go
Cross-border payment collection for SMEs and freelancers.
NewMade in India
Starts at
Pay as you go
Payment confirmation speaker for shops.
Made in IndiaBest value
Starts at
₹99/mo
Enterprise payment and bill-pay platform used by banks and utilities.
Made in IndiaEnterprise ready
Starts at
On request
Payment processing, POS and gateway services.
Made in India
Starts at
On request
RBI-authorised payment aggregator offering payment gateway, payment links, forms and eNACH.
Made in IndiaFree plan
Starts at
Free plan
Payment orchestration and checkout for large merchants and banks.
Made in India
Starts at
0.25% per transaction · Or Rs 25,000/month minimum, whichever is higher (Growth)
Payment links and collections integrated with business banking.
Made in India
Starts at
Pay as you go
EazyUdhar is a digital udhar (credit) management platform for shopkeepers, retailers and wholesalers.
Made in IndiaFree plan
Starts at
Free plan
Free chit fund management software for India. Track members, collect payments, run auctions, generate PDF reports. 100% free, no download, no credit card.
NewMade in IndiaFree plan
Starts at
Free plan
Pay-later checkout for online merchants.
Made in India
Starts at
Pay as you go
EMI checkout for online purchases.
Made in India
Starts at
Pay as you go
One-click checkout and payment orchestration for D2C brands.
Made in India
Starts at
Pay as you go
Buy-now-pay-later and credit checkout.
Made in India
Starts at
Pay as you go
RBI-authorised payment aggregator for UPI, payment links and virtual accounts at a flat per-transaction fee.
Made in IndiaBest value
Starts at
₹5/mo
No-cost EMI checkout for D2C and marketplaces.
Made in India
Starts at
Pay as you go
Card issuing and banking-as-a-service platform.
Made in India
Starts at
On request
POS and offline payments now part of Razorpay.
Made in India
Starts at
On request
Payment terminals and enterprise retail payments.
Made in IndiaEnterprise ready
Starts at
On request
UPI, account aggregator and bill-pay APIs for developers.
Made in India
Starts at
On request
Modern card and banking processing for banks and fintechs.
Made in India
Starts at
On request
Digital onboarding and KYC for payment businesses.
Made in India
Starts at
On request
Banking and payments APIs for fintech products.
Made in India
Starts at
On request
Technology solutions for financial institutions including transaction banking and cash management.
Made in India
Starts at
On request
Secure payment gateway and transaction routing.
Made in India
Starts at
On request
Omnichannel payment platform for enterprises.
Made in IndiaEnterprise ready
Starts at
On request
Interoperable bill payment infrastructure from NPCI.
Made in India
Starts at
On request
eCommerce growth platform for Indian brands with financing, payments, shipping and analytics.
Made in India
Starts at
On request
Payments technology covering card issuance, merchant acquiring and real-time payments.
Made in India
Starts at
On request
Embedded fintech products for identity verification, payment collection and card issuance.
Made in India
Starts at
On request
RBI-authorised payment aggregator with UPI, cards and wallets plus basic business management tools.
Made in India
Starts at
On request
Checkout, COD conversion and RTO reduction for e-commerce brands.
Made in India
Starts at
On request
B2B payment and verification APIs built on UPI and prepaid instruments, plus expense cards.
Made in India
Starts at
On request
Tax technology and e-invoicing platform with compliance automation for multiple countries.
Made in IndiaGST ready
Starts at
On request
Ordered by App Advisor rating. Nothing here is paid placement — see how we rate software.
How to choose payment gateways & upi
Compare the total cost: MDR on UPI is zero by regulation, but cards, net banking and international payments carry 1.5–3%, plus GST on fees.
Ask for success-rate data on your traffic mix. A gateway with weak bank integrations loses a few percent of every checkout silently.
Check onboarding requirements — website content, business registration, bank verification — before building the checkout.
What to look for
- ✓ UPI, cards, net banking, wallets and EMI
- ✓ Payment links and pages without a website
- ✓ Recurring payments and e-mandates
- ✓ Payouts and vendor payments
- ✓ Smart routing for higher success rates
- ✓ Settlement cycles (T+1, instant)
- ✓ Plugins for Shopify, WooCommerce and apps
- ✓ Dashboards, refunds and dispute management
Schedule a demo
Let us arrange your demos, free
Payment gateways & UPI — frequently asked questions
Which payment gateway has the lowest fees in India?+
UPI is free of MDR on every gateway. For cards and net banking, most mainstream gateways charge around 2% plus GST; volume businesses negotiate lower rates. Compare success rates before fees — a 3% drop in success costs more than a 0.3% fee difference.
Payment gateways & UPI by industry
Payment gateways & UPI — popular searches
Related categories
India buyer's guide
Payment gateway in India: prices, free plans and how to choose
A payment gateway lets an Indian business accept money online through UPI, debit and credit cards, net banking, wallets and EMI, and settles the collected funds into its current account. Gateways operating in India are regulated by the Reserve Bank as payment aggregators, which shapes onboarding checks, card data rules such as tokenisation, and how quickly settlements must reach merchants.
Good gateways approve payments reliably across banks, settle on a predictable schedule, show clear reconciliation reports and handle refunds and chargebacks without drama. Poor ones have high failure rates on certain banks or UPI apps, hold funds without explanation, make KYC slow and opaque, and bury extra charges for international cards, instant settlement or specific payment methods in the fine print.
Best payment gateway in India: verified comparison
Judge a gateway by success rate and settlement, not only the per-transaction fee. Ask for success rates by method, test UPI intent and collect flows on several apps, try cards from different banks, and check how failed payments are retried. Review settlement timelines, reconciliation reports, refund speed and dispute handling. The best payment gateway for you is the one that captures the most payments at acceptable cost and settles predictably.
| Product | Lowest published price | Free plan | Free trial | Demo | GST support |
|---|---|---|---|---|---|
| PayUMade in India | 2% for Visa, Mastercard, Net Banking, BNPL, Wallets only dom source | — | — | — | Yes source |
| RazorpayMade in India | Platform fee 2.15% + GST (standard); 'Start accepting paymen source | — | — | On request source | — |
| Paytm Payment GatewayMade in India | Small Merchant UPI 0.00%; debit card 0.00% (for less than 2K source | — | — | — | Yes source |
| Cashfree PaymentsMade in India | Not published | — | — | On request source | — |
| Instamojo PaymentsMade in India | ₹0 per year source | Yes source | — | — | — |
 PayPal | International transactions Where sender's market/region is O source | — | — | — | — |
| SkydoMade in India | Not published | — | — | On request source | Yes source |
Checked on each vendor's official website (September 2026). A dash means the vendor does not publish it or we could not verify it — not that the feature is missing. Prices exclude GST unless the source says otherwise. App Advisor publishes no user ratings.
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Tell us your team size, city and budget. An advisor sends a shortlist that fits and arranges demos; vendors quote you directly. Compare prices for your team size before you commit.
Choosing payment gateway: top picks, Indian options and reviews
Top payment gateway for small business in India
Small businesses need quick onboarding with simple KYC, a hosted checkout or plugin for their website builder or ecommerce platform, UPI and card acceptance, payment links for WhatsApp orders, and settlements to their current account on a fixed schedule. A mobile dashboard to check payments and issue refunds is important. Avoid annual maintenance or setup fees where zero-setup options exist.
Indian payment gateway
Gateways built for India support every UPI flow including intent, collect and QR, RuPay cards, net banking across many banks, EMI and pay-later options, recurring payments under RBI's e-mandate rules, and card tokenisation. They settle in rupees to Indian accounts, support GST-compliant invoicing of their fees, and offer Hindi or regional support. Some add payouts, virtual accounts and marketplace split settlements.
PayURazorpayPaytm Payment GatewayCashfree PaymentsInstamojo PaymentsAtom TechnologiesPhonePe Payment GatewayEasebuzz
Payment gateway reviews in India
App Advisor publishes no user ratings. Many negative gateway reviews stem from KYC delays or funds held on risk checks. In your evaluation, verify onboarding documents required for your business type, test payment success in sandbox and in a small live pilot, confirm settlement cycle and chargeback process in writing, and ask how account holds are communicated and resolved. How App Advisor rates software.
Payment gateway comparison in India
Compare: payment methods supported, success rates by method, pricing per method, settlement cycle and instant settlement cost, reconciliation reports, refund speed, chargeback handling, recurring payments and mandates, international card acceptance, checkout customisation, plugin and SDK coverage, payouts, split settlements, dashboard quality and support responsiveness. Ask for each number in writing, because rate cards and success-rate claims are often stated only verbally during sales conversations. Test the dashboard with your accounts team as well as developers.
What payment gateway costs in India
Payment gateway price in India
Gateways in India typically charge a percentage per successful transaction, varying by method, with UPI often priced differently from cards and international cards charged higher. Some charge fixed fees per transaction for certain methods, set-up or annual fees, and extra for instant settlement, EMI or specialised products. Negotiated custom rates are common for higher volumes.
- Instamojo Payments — from ₹0 per year (Lite) source
Payment gateway subscription cost in India
Every published plan, its billing term and whether GST is extra is on the payment gateway price list for India, each price linked to the vendor's own pricing page.
Free plans, free trials and demos
Free payment gateway in India
There is rarely a truly free gateway since every transaction has costs. Some offer zero setup fee, no annual charge, or promotional pricing on certain methods. Occasionally UPI transactions are priced at or near zero for small merchants depending on regulations. Read what free covers and what happens after the promotional period. Also compare settlement terms, because a gateway with no fixed fee can still be costly if funds settle slowly.
- Instamojo Payments — free plan: “Lite ₹ 0 /yr Get a fully customisable website, perfect for businesses that are just starti” source
Payment gateway free trial in India
Gateways typically provide test mode rather than a trial. Integrate in sandbox, test success, failure and refund flows, and webhooks. Then go live with a small pilot, route a portion of traffic and compare success rates with your current gateway. Check settlement arrives when promised, and that reconciliation reports match your order system. Keep the old gateway active until the pilot has run through a full settlement cycle.
Payment gateway demo in India
Ask the gateway to share success rates by payment method and bank, settlement timelines, instant settlement options, how risk holds work and how you will be informed, documents needed for KYC, chargeback process and timelines, available SDKs and plugins, and support escalation paths. Ask for a sample settlement and reconciliation report. Ask whether pricing can be revisited as volumes grow and how often rates are reviewed.
Demo on request (vendor site): Razorpay source, Cashfree Payments source, Skydo source
Payment gateway by type of business
Payment gateway for startups in India
Startups need quick onboarding, clean APIs and SDKs, subscription billing with e-mandates, webhooks, test mode, and support for international cards if selling abroad. Payouts APIs for refunds, vendor or partner payments help. Check onboarding requirements for new companies without much trading history, and whether the gateway supports your business category. Ask how the gateway treats rapid growth in volume, since sudden spikes can trigger risk reviews and settlement holds.
Payment gateway for MSMEs in India
MSMEs need payment collection for invoices, often through payment links or QR codes, alongside website checkout. Integration with accounting software for auto-reconciliation, settlement to the current account, and clear GST invoices for fees help. Look for simple dashboards staff can use for refunds and reports without developer help. Check whether staff logins can be restricted so that only the owner can issue refunds.
Payment gateway for manufacturers in India
Manufacturers collecting from dealers and distributors need virtual accounts or unique identifiers for each buyer to automate reconciliation, high-value transaction support, net banking and bank transfer options, and ERP integration. Payment links for invoices and credit notes, plus reporting by dealer, are useful. Some need split settlements for different business units. Ask about limits on single high-value transactions and whether RTGS-sized collections can be accepted online.
Payment gateway for retailers in India
Retailers need online checkout, in-store QR and card acceptance, and unified reporting across channels. Integration with POS for unified reconciliation, EMI options for high-ticket goods, and quick refunds matter. During sale periods, gateway uptime and success rate at high volume are critical; ask about failover options. Check whether the same merchant account can cover online and in-store acceptance for unified settlement.
Payment gateway for agencies in India
Agencies building sites and apps for clients need clear documentation, plugins for common platforms, sandbox access and partner programmes. They may need to onboard clients as sub-merchants or set up marketplace flows. Check who owns the merchant account and KYC so clients are not tied to the agency. Also verify test credentials can be shared safely with developers.
GST and switching providers
Payment gateway with GST support
GST support for a gateway covers two things. First, the gateway must issue a GST invoice for its fees with your GSTIN so you can claim input tax credit on the 18% GST. Second, reports should help reconcile collections with sales invoices for GSTR-1. For ecommerce operators, gateways do not handle TCS; that remains with the marketplace. Some gateways offer invoice generation features alongside payments.
- PayU — “Accept payments from your customers via sending GST-compliant invoices with an inbuilt pay” source
- Paytm Payment Gateway — “Accept contactless & error free payments that are GST compliant” source
- Skydo — “Create professional GST-compliant Invoices in Seconds” source
Payment gateway alternatives in India
Look for alternatives when success rates drop, funds are held unpredictably, fees are uncompetitive for your payment mix, or you need methods the current gateway lacks. Switching means new KYC, integration, and updating plugins and webhooks. Many businesses run two gateways with routing to improve success and reduce dependency. Recurring mandates may need re-authorisation. Keep both live for a cycle before cutting over.
PayU alternativesRazorpay alternativesPaytm Payment Gateway alternativesCashfree Payments alternativesInstamojo Payments alternativesAtom Technologies alternatives
Partner, affiliate and reseller programs
Payment gateway affiliate program in India
Gateway affiliate or referral programmes usually reward referring merchants who activate and transact. Check whether rewards are one-time or based on transaction volume, how activation is defined, payout timelines, and compliance rules on how the gateway can be promoted. Be transparent with referred merchants about fees. Check whether rewards are withheld if a referred merchant fails risk review later, and read the rules on stating fees in promotional material.
Payment gateway partner program in India
Partner programmes suit software platforms, agencies and developers integrating payments into their products. They may offer revenue share on transactions, faster onboarding for referred merchants, technical support and co-marketing. Check contract terms on revenue share, data access, and responsibilities for merchant KYC and risk. Ask whether partner-referred merchants get faster onboarding or dedicated support contacts.
Payment gateway reseller program in India
Reselling payment gateways is constrained by RBI's payment aggregator rules; only authorised entities can onboard merchants. Partners can typically refer or integrate merchants, but the gateway performs KYC and holds the relationship. Clarify your role, liability and revenue share, and avoid holding merchant funds yourself. Get the agreement reviewed by someone familiar with payment aggregator regulations before signing.
- Razorpay — Razorpay Partner Program (partner) program page
- Paytm — Paytm Partner Program (referral) program page
- Cashfree — Cashfree Affiliate Program (affiliate): 25*% commissions on each transaction by your referee program page
- Easebuzz — Easebuzz Affiliate program (affiliate) program page
All verified programs across categories are in the software partner program directory. More India software guides: business software in India.
Payment gateway in India: FAQs
How long does it take to activate a payment gateway in India?+
Activation depends on KYC. With complete documents such as PAN, GST certificate, bank account proof and a live website showing policies, many gateways activate within days. Some business categories need additional checks. Incomplete websites without terms, refund and privacy policies are a common cause of delay.
Why do some UPI payments fail?+
Failures can come from the customer's bank server, the UPI app, network issues or timeouts. Gateways differ in how they route and retry. Ask the gateway for method-level success rates, and consider enabling UPI intent on mobile, which usually performs better than collect requests.
What is the difference between a payment gateway and a payment aggregator?+
Technically, a gateway provides the technology that routes payment data, while an aggregator also collects funds on the merchant's behalf and settles them. In India most providers merchants use act as RBI-regulated payment aggregators offering both functions. The distinction matters mainly for regulatory licensing, not daily use.
Can I accept international payments?+
Yes, many gateways support international cards and some support other international methods, subject to additional KYC and export documentation. Fees are usually higher and settlement is in rupees. For export of services, check purpose codes and foreign inward remittance documentation for your records.
How do chargebacks work?+
If a customer disputes a card payment with their bank, the gateway notifies you and asks for evidence such as invoices and delivery proof. If you cannot defend it, the amount is debited from your settlements. Keep clear records and respond within the deadline the gateway sets.
Can I use more than one payment gateway?+
Yes. Many businesses use two or more gateways to improve payment success through routing, reduce dependence on one provider and negotiate better rates. Some ecommerce platforms and orchestration tools make it easier to manage multiple gateways. Routing rules can send each method to whichever gateway performs best.
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