Best Payment Gateways In India

30 December 2021 Technologies
21 MINS READ    69 VIEWS   

The biggest difficulty while starting your online business is deciding to choose the payment gateway that suits your business. Payment gateway has to be smooth and secure for your customers to feel safe while shopping on your platform.

Payment Gateway

It is an eCommerce platform that authorizes card payments for online businesses and retailers. It services automated transactions between the merchant and consumer. The platform facilitates transformation of payment details between the payment portal like website, mobile, or voice-responsive services and the acquiring bank or front-end processor.

Generally, the process, verification, accept/decline transactions are handled by a computer processes on behalf of the merchant via a secure internet connection.

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Things To Consider

  • There are a few pointers you need to consider before setting up the payment gateway for your online business store. The factors to follow are,
  • The overall package of the payment gateway includes the installation cost, the yearly fees, and the TDR (Transaction Discount Rate).
  • The Settlement period. The time period taken by the payment platform to deposit the due payment to your account.
  • The payment gateway should offer different payment options, like UPI, Net banking, Credit/Debit card, EMI options, etc.
  • They should provide CMS support.
  • They must be mobile-apps compatible and the payment gateway should have a smooth user interface.
  • A payment gateway platform must provide customer care and after-sales support.
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Top Payment Gateways in India

Here is a list of the most popular and commonly trusted payment gateways used by the majority of merchants for a quick, secure, and hassle-free payment transaction.

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A popular payment gateway that allows companies and merchants to receive, process, and transfer payments along with other benefits. The payment gateway is customized for the Indian audience with good technology integration in cost-effective packages. Razorpay gives access to multiple payment modes like debit/credit card, UPI, internet banking, and wallet payments (Payzapp, Airtel Money, JioMoney, PayUmoney, Mobikwik, OlaMoney, and FreeCharge).

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It is hassle-free to create a new merchant account without any website on InstaMojo, unlike other payment gateways. Also, the charges are minimal. Based on user suggestions, this platform is ideal for purchasing music, videos, digital files, and much more because of high-standard security and instant processing. It supports ecommerce CMS giants like OpenCart and Magento.

Atom Paynetz

It is a leading payment gateway that offers multiple payment options and supports multiple cards, like American Express, Diners, Discover, MasterCard, Visa, and JCB. The payment gateway offers innovative service and is promoted by FT Group. Atom Paynetz is one of the popular gateways with a strong merchant base across the globe. It offers merchants a few revenue booster options, like Multi-bank EMI, Discount Engine, Express Payments, Promotions, etc.


One of the leading payment platforms with a large consumer base is the Paytm cash wallet. This is more beneficial for small ecommerce business merchants. It supports credit/debit card, Diners, JCB, RuPay, Amex, Mastercard, Maestro, JCB, RuPay, and Visa cards, net banking, UPI. The platform supports a vast number of ecommerce CMS systems.


The country’s largest payment gateway platform accepts twenty-seven foreign currencies, including dollars, pounds, dirham, franc, rial, baht, ringgit, dinar, rupees, taka and euro. It helps merchants to serve global customers. It includes different cards like eZeClick, Diners, Visa, Amex, Mastercard, etc. It has a multilingual payment page in international and Indian languages.


The platform with a simplified online payment process is a part of the Nasper group with a large merchant base. It has partnered with major banks for a safe payment transaction. Most of the ecommerce businesses and large businesses, like Jabong, Zomato, Redbus, Ola, Snapdeal, Bookmyshow, GoIbibo, Cleartrip, etc., use this platform. It supports multiple card transactions and supports different operating systems for mobile API integration.


It offers an instant settlement feature that allows merchants to access the payment within fifteen minutes of payment completion. The payment gateway provides different payment options, like net banking, debit/credit card, Paytm, wallets, cardless EMI possibilities, like OlaMoney postpaid, ZestMoney, etc. The payment gateway is well known for launching advanced features like a refund package that includes card payments, preauthorization, payout links for COD refunds called cashgram, and instant refunds.


Electronic billing solution- EBS is a payment gateway service and is the first Indian merchant service provider to reach the PCI DSS 3.0 standards for compliance. It is audited by standards of the ISO 27001-2013 standard and is certified by process and security adherence. Hence, it is one of the most secure service providers in the globe. The payment gateway supports various international and domestic cards. Also, it supports eleven major international currencies, including the Indian rupee.

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