With the growing popularity of online shopping in India, choosing the right payment gateway is crucial for businesses. A reliable payment solution ensures smooth transactions, enhances customer trust, and boosts sales. Here’s a list of the top 11 payment gateways in India for 2025, each designed to meet different business needs and provide a secure, seamless payment experience for both merchants and customers.
How to Choose the Best Payment Gateway for Your Business?
Choosing the right payment gateway is crucial for your business. Here are the key factors to consider:
1. Security
Ensure the payment gateway is secure and complies with industry standards (e.g., PCI-DSS). A trusted gateway builds customer confidence and protects sensitive information.
2. Integration Method
Choose a gateway that fits your business needs:
- Hosted Gateway: Redirects customers to a secure page for payments.
- Direct Post: Keeps customers on your site during checkout.
- Non-hosted Gateway: Fully integrates payments into your site.
3. Features and Pricing
Look for a gateway that offers the features you need, like invoicing and fast processing, while fitting your budget. Remember, the more features, the higher the cost.
4. Product Permissions
Make sure the gateway supports the type of products or services you sell (digital goods, physical products, or both).
5. Ease of Integration
Choose a gateway that integrates easily with your website or app to save time and reduce setup costs.
In conclusion, pick a payment gateway that prioritizes security, fits your product needs, and offers a smooth user experience at a fair price.
Top 11 Payment Gateways in India for 2025
As online transactions continue to rise in India, businesses need reliable, secure, and versatile payment gateways. Here’s a quick guide to the top 11 payment gateways in india, you can consider for your business in 2025.
Paytm
Trusted by over 300 million users, Paytm offers a range of payment options including UPI, wallets, credit/debit cards, and more. It’s great for fast, secure transactions and easy integration.
A user-friendly gateway supporting domestic and international payments, popular among Indian businesses.
Instamojo
Known for its simple checkout process and flexible fee structure, Instamojo allows businesses to pass transaction fees to customers, making it a cost-effective option.
Easy to integrate and provides cost-effective solutions for businesses of all sizes. Ideal for digital goods and services.
PayU
Offering 150+ payment methods, PayU is a popular choice for businesses looking for reliable service with multilingual checkout support. It also offers an easy API for integration.
A trusted name with award-winning technology, serving over 4000 merchants.
Razorpay
Razorpay stands out for its seamless payment experience and quick integration. It supports a wide range of payment methods and provides real-time payment tracking.
Known for its seamless integration and powerful payment tools, supporting multiple payment methods.
Stripe
A global leader in payment gateways in india, Stripe offers flexible and customizable solutions with powerful fraud protection tools. It’s ideal for businesses looking for scalability and advanced features.
CCAvenue
With support for 200+ payment options, CCAvenue offers robust features for businesses of all sizes. It also provides a free storefront for merchants without websites.
Zaakpay
Zaakpay is a great option for businesses seeking quick onboarding and 24/7 settlements. It integrates easily with popular eCommerce platforms and offers a smooth user experience.
PayKun
PayKun offers low transaction fees and fast payouts. It’s developer-friendly and allows businesses to integrate payment options easily across websites and mobile apps.
Cashfree
Known for its super-fast settlements (within 15 minutes), Cashfree is perfect for businesses needing quick cash flow. It also offers flexible payment methods, including UPI and EMIs.
OPEN
OPEN is a connected banking platform that offers seamless payment management with instant settlements. It’s perfect for businesses looking for an all-in-one solution for payments and accounting.
HDFC SmartGateway
Powered by HDFC Bank, this gateway offers instant settlements and supports over 150 payment options. It’s ideal for businesses that require international payment support.
Choosing the Right Gateway
Select a payment gateway in india that aligns with your business needs—whether it’s the speed of settlements, supported payment methods, or the ease of integration. Consider your customers’ preferences and choose the one that ensures a smooth, secure checkout experience.
FAQs on Online Payment Gateways in India
1. What is Airpay?
Airpay is a payment gateway platform that helps businesses process online payments quickly and securely, supporting both global e-commerce and retail transactions.
2. Which is better, Paytm or PayPal?
Paytm is preferred by most Indian customers for domestic transactions due to its lower fee (2% per transaction). PayPal is more suitable for international payments but charges a higher fee (2.5%).
3. Which is the cheapest payment gateway?
Cashfree is one of the most affordable payment gateways in India, offering low transaction fees.
4. Who regulates payment gateways in India?
Payment gateways in India are regulated by the Reserve Bank of India (RBI), which sets policies and guidelines for online transactions.
5. Can the same payment gateway be used by multiple websites?
Yes, a single payment gateway can be used for multiple websites, allowing businesses to manage transactions and revenue in one place.
6. What is a chargeback in a payment gateway?
A chargeback occurs when a cardholder disputes a transaction, typically due to fraud. The bank reverses the payment to protect the cardholder.
7. Does ePaisa support mobile devices?
Yes, ePaisa works on mobile devices like iPhones, Android phones, and iPads.
8. Can I have multiple UPI IDs?
Yes, you can create a separate UPI ID for each of your bank accounts.
9. When will I receive a refund after canceling a transaction through BillDesk?
Refunds are usually processed within 5-7 business days after cancellation. Contact the merchant’s customer care if not received.
10. What is the maximum amount allowed per transaction?
The default limit is Rs. 5 lakh per transaction, but you can request Razorpay support to increase this limit if needed.
