10 Best Payment Gateways in India in 2021

After doing a lot research we have compiled a list of the best payment gateway solutions in India. Each payment solution is listed along with the transaction fee, set up costs, maintanace requirements, recurring payments support, developer libraries and more. You can use the filters on the left to narrow down on the services based on your requirements. A payment gateway is a payment solution for websites and applications. It enables websites to charge credit cards. Analyzo has listed the best payment gateways specifically for the Indian Market for you to choose from based on your requirements.

Best Payment Gateways in India

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Get an efficient and easy-to-use payment gateway with PayUmoney. Get started with Full Integration or place a button. Let your customers pay through Credit Cards, Debit Cards, Net Banking and more. Create account and start collecting payments immediately.
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EBS or E-Billing Solutions Pvt. Ltd. is a leading payment gateway provider in India. EBS is a part of Ingenico Group, a global leader in seamless payments with a presence across the globe in 125 countries. They also offer online & offline payment processing services.

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PayPal India is a subsidiary of PayPal allowing payments and money transfers to be made through the internet in India. Some unique features offered by PayPal are PayPal Here (mobile payments app), standalone Payflow Payment Gateway, online invoicing, BillMeLater with no-interest financing & pay-as-you-go selling.
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Price : Transaction Fee

Razorpay provides an easy yet effective way to accept payments for your online business. It allows for complete online onboarding which means that there is no need to send the physical documents for account activation. It accepts all major debit and credit cards, 50+ netbanking banks, and popular wallets.

CC Avenue
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CCAvenue is South Asia’s largest payment gateway solution with real time, multi-currency multiple payment options online payment processing services. It has over 100 payment options supports over 27 major foreign currencies. CCAvenue offers a multi-lingual checkout page to deliver localized payments experience.

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Empower your mobile apps and websites using Paytm's feature rich payment solutions. It provides payment solutions for restaurants, grocery shops, institutes, pharmacies, petrol pumps and more.

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BillDesk is an online payment gateway provider that offers a comprehensive online bill payment and management service that makes paying bills simple and easy. BillDesk is available to you round-the-clock for 24 hours a day, 7 days a week and 365 days a year.

Price : Transaction Charges

For selling digital products like eBooks, music, videos, tutorials etc., InstaMojo is a very good choice. With social media promotions along with referrals and discounts, InstaMojo is becoming a favorite among young start-ups. It offers seamless payment collection facility at attractive rates.
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Price : INR 4900 (one-time setup fee) + Transaction Fee

PayUbiz is an intelligent payment gateway solution that constantly solves difficult product and operational problems so that your business can continue to focus on building great products. Android and iOS apps that enhance user's experience are available.

Price : Custom

JUSPAY offers a secure, efficient and simple-to-use payment gateway option. JUSPAY's infrastructure is PCI DSS Level 1 compliant that allows you to securely store cards with JUSPAY Vault. Simple One-hour integration kits with NO change to existing-PG relations.

Click Here To See Top Comparisons & Alternatives for Payment Gateways in India

FAQ's for Payment Gateways in India

How do online payment gateways work?

A payment gateway facilitates the exchange of data between a payment portal, (for example website, mobile phone) and the Front End Processor or acquiring bank. There are 4 steps in this process:
  1. Collection – Your customers choose the items they want to purchase on your website and input the card details onto your payment page. These details are then directed to your payment gateway.
  2. Authentication – Your payment gateway takes this information and sends it via a shielded link to your bank account.
  3. Authorisation – You are notified that the sale has been approved so you can deliver the ordered products or services.
  4. Settlement – Finally, bank verifies the transaction data and deposits the money from the sale into your account. The time it takes for the actual payment to arrive in your account will depend on your payment gateway.

Why do I need a payment gateway?

Sooner or later, any entrepreneur that needs to set up their own online store would need to choose a payment gateway for their store. Be that as it may, many business owners don't realize what a payment gateway is or why they require one. Many are additionally overwhelmed by the number of payment gateways on the web and find it hard to find out the most critical factors to look out for when selecting a payment gateway.

A payment gateway, basically, is an online business solution that processes, verifies and accepts or declines card-based transactions on a merchant’s behalf through secure Internet connections.

What is an online payment gateway?

Payment gateways function as middle-men that connect your online business to your payment processor for enabling online payments. Payment gateways facilitate these online payments by transferring key information between payment portals. Payment gateways fulfill an important role in the online transaction process, authorizing the payment between merchant and customer. Analyzo has listed the best payment gateways for you to choose from based on your requirements.

Which is the best payment gateway in India?

There are various payment gateway solutions available if you want to process online transactions in India. Top players like CC Avenue, Razorpay, BillDesk are used by prominent businesses for processing payments while relatively new payment gateways such as PayTM are establishing their name in the market by providing reliable services. Analyzo has listed the best payment gateway providers in India for you to choose from based on your requirements.
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