Best Payment Gateways in India

card payment

Getting paid on time is vital for proper business cash flow. For that, you need to expand your payment options and make it easier for your customers to pay. 

There are plenty of payment gateways for small businesses available in India today. Here, we have compiled a list of the best payment gateways in India to help you find the right one for your business.

7 Best Payment Gateways

Razor Pay

razor pay

Razor pay is one of the popular payment gateways in India. It gives access to all payment modes such as credit/ debit cards, UPI, net banking, and mobile wallets including JioMoney, PayUmoney, and  Mobikwik. 

You can also manage your business and automate your bank transfers. It offers features for collecting recurring payments, invoicing and availing loans. It provides Razorpay Router API which can be used to split the payment among partners or individuals. Razorpay is well known for its easy integration and instant activation.

Transaction Fee per Transaction:

  • 2.0% per successful transaction for credit cards, net banking, UPI
  • 3.0% for International cards, EMI, Amex



Cashfree is a well-known API banking firm in India.  It is one of the cheapest payment gateways that offer a seamless payment service. It supports 120+ payment modes including credit/debit cards, net baking, UPI and other wallets. Cashfree offers instant refunds and also supports international payments.

This payment gateway provides the widest range of integrations for websites and mobile apps. It also offers integration for Shopify India, WooCommerce India, and Magneto. One notable feature of Cashfree is Cashgram which allows businesses to create a payout link and send it to the beneficiary’s email for making the payment.

Transaction Fee per Transaction:

  • 1.9% per transaction for Net-banking, Credit and Debit cards
  • 2.5% per transaction for Pay later & Cardless EMI
  • 3.5% + ₹7 per transaction for international cards



PayU is a Netherlands-based fintech company that is highly popular in India for its easy-to-use interface and the outstanding payment service offered. Users can accept payments via different options such as credit/debit cards, wallets, UPI, EMI and net banking. 

This payment gateway supports more than 100 currencies. PayU offers instant refunds and allows to automate payment collections and recurring payments. 

Transaction Fee per Transaction:

  • 2.0% for net banking, credit and debit cards, wallets
  • 3.0% for international cards, EMI, Amex



Instamojo is another payment gateway in India that is known for its ease of use and simple user interface. It allows users to collect payments with or without a website.  Users can create a merchant account instantly and collect payments. It offers in-built marketing tools and online stores.

Instamojo provides 100+ safe payment modes such as UPI, bank transfer,

credit and debit cards, pay later and RMI options. You can create payment links and share via multiple channels including WhatsApp, Facebook, Twitter etc and accept payments via any mode.

Transaction Fee per Transaction:

  • 2.0% + ₹3 for UPI, Domestic Debit/Credit cards, Net Banking, Wallets.
  • 3.0% + ₹3 for International Cards.



Along with the popular app, Paytm is also widely used as a payment gateway in India.  Paytm supports 100+  modes of payment like card payments, net banking, international cards, EMI, and Paytm wallet. Users can also create payment links to accept payments. Its powerful dashboard allows businesses to get real-time analytics and customisable reports.

Paytm provides instant activation and easy integration. It offers plugins for ecommerce platforms like Shopify, WooCommerce, Magneto, and Opencart.

Transaction Fee per Transaction:

  • 1.9% for credit card, net banking and Paytm wallet
  • 0.4% for below ₹2,000 and 0.9% for more than ₹2,000 for debit cards
  • 2.9% for international cards

CC Avenue

cc avenue

This secure payment gateway is one of the best payment gateways in India. Offering

200+ payment options comprising 6 Credit Cards, 58+ Net Banking, 97+ Debit Cards, 13 Prepaid Instruments, 15 Bank EMI, CC Avenue has become a widely used payment gateway among Indians. 

 It allows businesses to collect payments in 27 major currencies. It also offers a multilingual checkout page and customization options. The gateway provides integration APIs for platforms including Opencart, WordPress, and Magneto. 

Transaction Fee per Transaction:

  • 2.0% for credit card, debit card, EMI, net banking and wallet
  • 4.9% for international cards
  • 3.0% for corporate/ commercial credit cards
  • 4.0% for Amex, Diners Club



Paykun is a payment gateway that offers a great checkout experience for the customers by offering multiple payment options. They include credit cards, debit cards, net banking, wallets, UPI, QR code, and EMI. Paykun offers integrations for web and app platforms.

Users can also accept payments via SMS, email, Whatsapp etc by sending payment links. Some of the other key features include payment retry option, customizable checkout page, powerful dashboard and easy refund.

Transaction Fee per Transaction:

  • 1.7% for UPI, debit cards, net banking and wallet
  • 2.00% for credit cards
  • 3.00% for international cards

Manage your Business and Collect Payments

Are you looking for an all-in-one solution to manage your business and accept payment from customers? Try using Zenys. With Zenys you get to manage your contacts and sales, create and send invoices and also get paid online. All you have to do is send the payment link to your customers and customers can log in to the Zenys portal and make the payment directly. The paid amount will be directly transferred to your bank account. 

Do everything from a single tool! Sign up for Zenys and grow your business.