Selecting the best payment gateway in India can transform your online business, streamlining payments and boosting conversion rates. However, with so many top payment gateways in India on the market, it can be challenging to determine which payment gateway is best in India for your specific needs. In this comprehensive guide, we will explore everything you need to know to pick the best payment gateway in India, whether you are a small business, a startup, or a large enterprise aiming to stay ahead of the competition.
Understanding Payment Gateways and Their Role in Modern Transactions
A payment gateway is a secure online service that authorizes and processes transactions between merchants and customers. It encrypts card details, ensures fraud protection, and allows businesses to accept multiple methods of digital payments (such as credit and debit cards, wallets, ACH, and more). Essentially, a gateway acts as the digital middleman between your website and your customer’s bank, confirming that sufficient funds or crypto assets are available before the transaction is finalized.
Why Payment Gateways Matter:
- Security: They protect sensitive customer data, preventing unauthorized access.
- Convenience: They simplify the checkout flow, which is crucial for ecommerce websites looking to reduce cart abandonment.
- Global Reach: They allow you to expand into international markets, accepting currencies from multiple countries.
- Analytics: Most platforms offer robust dashboard features to monitor sales, track transactions, and optimize your business process.
Whether you operate a small store or a large marketplace, the right gateway can be the best payment gateway for website in India or the best payment gateway for ecommerce, ensuring seamless online payments and enhancing user satisfaction.
Key Factors to Consider When Choosing a Payment Gateway
Choosing the best payment gateway depends on your business model, target markets, and technical capabilities. Here are key points to evaluate.
Security and Fraud Prevention
One of the biggest considerations is security. Look for providers that use advanced encryption (e.g., SSL/TLS) and are PCI-DSS compliant. This ensures that customer data remains protected, reducing chargebacks and fraud risks.
Integration with Existing Systems
Ensure that the gateway supports straightforward integration with your software, shopping cart, or platforms like Shopify, WooCommerce, BigCommerce, or custom websites. Seamless API or plugin support allows you to set up quickly without extensive coding.
Compatibility with International Payments
If you want the best international payment gateway for India or the best payment gateway for international transactions in India, check for multi-currency support, cross-border transactions, and compliance with regional regulations (e.g., 3D Secure, SCA).
Pricing and Hidden Fees
Always analyze fees thoroughly. Some payment gateways advertise low transaction charges but may add hidden costs for cross-border payments, additional services, or setup. Ensure you understand the overall cost structure, including monthly fees, per-transaction charges, or extra fees for refunds.
You should also consider finding a payment gateway that supports crypto, since India has taken first place among all countries in terms of crypto adoption.
Crypto adoption map. Source: chainalysis
Top Payment Gateways in India
Below are the top payment gateway options you should consider for 2025. This list includes the best payment gateway for shopify India, the best free payment gateway in India for certain business models, as well as other strong contenders. Our first highlight is the innovative 0xProcessing.
1. 0xProcessing
0xProcessing is a next-generation payment gateway that complements, rather than replaces, traditional payment methods by offering crypto payment capabilities alongside stablecoin conversions. When you need to withdraw funds, you can easily transfer your stablecoins to a bank account. By integrating this innovative solution into your existing systems, you can attract a broader audience of crypto users without disrupting conventional transactions. If you’re seeking a top-tier payment gateway with cutting-edge crypto integration, 0xProcessing delivers an impressive combination of security, speed, and high conversion rates.
Features
- VRCS (Volatility Risk Control System). Automatically converts incoming cryptocurrency to stablecoins like USDT, protecting merchants from price fluctuations.
- Multi-Coin Support. 55+ cryptocurrencies supported, including BTC, ETH, TON, and more.
- Web3 wallet support. This feature provides customers with a smooth transition of assets.
- Security. Robust blockchain infrastructure ensures secure processing, advanced encryption, and complete data privacy.
- Recurring Payments. Offers subscription-based services via Web3 wallets, enabling automatic billing.
- Dedicated Personal Manager. 24/7 assistance, ensuring quick resolution for any technical or financial queries.
Fees
- Competitive pricing with transparent transaction fees (custom quotes available).
- No third-party risks or hidden charges for crypto payouts.
- Zero additional cost for VRCS-based conversions to stablecoins.
Pros & Cons
Pros
- Cutting-edge crypto solution providing a unique edge in the market.
- High payment conversion and fast checkout for both digital and physical goods.
- 24/7 customer support, personal manager, robust security protocols.
- Seamless integration with existing eCommerce systems and various wallets.
Cons
- Requires a basic understanding of crypto frameworks.
- May need some technical steps to integrate advanced Web3 features.
If you are searching for which payment gateway is best in India and want future-proof capabilities, 0xProcessing might be your best payment gateway choice—especially if you foresee a growing demand for cryptocurrency payments within your business.
2. Paytm
Paytm is a top payment gateway and an established name in India’s digital payments ecosystem.
Features
- Easy integration with mobile apps and websites.
- Supports credit, debit, wallet, net banking, and UPI.
- Comprehensive dashboard for transactions and advanced reporting.
Fees
- Generally around 1.99% per transaction for standard card payments, plus 18% GST.
- Potentially higher for international payments (in select categories).
Pros & Cons
Pros
- Well-known brand with a massive user base.
- Quick approval and minimal setup.
- Highly suitable for everyday consumer payments.
Cons
- Some businesses find the user interface less customizable.
- Support for certain international cards may be limited.
Paytm is frequently cited as a best payment gateway for website in India for those who want a user-friendly solution with broad market reach.
3. Instamojo
Instamojo is known for its convenient payment links and focus on small to mid-sized businesses.
Features
- Easy link-based payments for social media and messaging apps.
- Free setup and no annual maintenance.
- Supports multiple payment methods (UPI, cards, net banking).
Fees
- Typically 2% (up to 5%) + INR 3 per transaction (plus taxes) for physical goods.
- Different fee structures for digital products or subscription models.
Pros & Cons
Pros
- Straightforward integration, minimal technical overhead.
- Ideal for freelancers, startups, and small eCommerce operators.
- Noted by many as the best free payment gateway in India for simple use cases.
Cons
- Higher transaction fees compared to some competitors.
- Lacks some advanced features for larger companies.
4. PayU
PayU offers robust gateway services with advanced fraud protection and is often highlighted as the best payment gateway for ecommerce in emerging markets.
Features
- Comprehensive developer tools (API, SDK) and plugin compatibility.
- Multi-currency acceptance, real-time analytics, and international coverage.
- Zero setup or annual fees for some plans.
Fees
- 2% + GST for domestic transactions (Visa, Mastercard, RuPay).
- 3% + GST for international or certain premium cards.
Pros & Cons
Pros
- Strong brand with proven reliability.
- Multiple payment options, from cards to net banking.
- Good for mid- to large-sized businesses with high transaction volumes.
Cons
- Approval process can take a bit longer.
- Priority support might cost extra.
5. Razorpay
Razorpay has emerged as a best payment gateway in India for startups and established companies alike.
Features
- Broad range of payment methods, including BNPL and advanced checkout designs.
- Quick to integrate with eCommerce platforms like Shopify, WooCommerce, Magento.
- Developer-friendly with open API architecture.
Fees
- 2% + GST for domestic transactions.
- 3% + GST for international transactions.
Pros & Cons
Pros
- Lightning-fast processing with minimal payment downtime.
- High conversion rates due to frictionless checkout.
- Great for the best payment gateway for ecommerce website in India consideration.
Cons
- Customer service can be inconsistent.
- Some users report occasional gateway downtime.
6. Stripe
Stripe is the best global payment gateways provider with advanced developer tools and is considered a best international payment gateway for many Indian businesses.
Features
- Highly customizable API and subscription features.
- Supports hundreds of currencies globally.
- Sophisticated fraud detection (Stripe Radar).
Fees
- 2% for cards issued in India, 3%+ for international or currency conversions.
- Additional charges for add-on services like Billing or Radar in some regions.
Pros & Cons
Pros
- Rich developer ecosystem, near-limitless customization.
- Great for subscription businesses with recurring payments.
Cons
- Requires more technical expertise.
- Support can be heavily ticket-based, with limited phone assistance.
7. CCAvenue
CCAvenue is among the top payment gateway options in India, especially for those needing multi-currency support and a wide array of methods.
Features
- Accepts over 200 payment options, including 27 global currencies.
- Smart analytics and advanced fraud screening.
- Multilingual checkout support.
Fees
- Standard plan is 2% (up to 4,99%) per domestic transaction (excluding taxes).
- Additional annual maintenance charges for certain plans.
Pros & Cons
Pros
- Excellent for international merchants seeking broad global reach.
- Extensive payment method coverage, from cards to mobile wallets.
- Highly flexible for enterprise-level solutions.
Cons
- May have longer setup timelines.
- Annual fee can be a drawback for small business owners.
8. Zaakpay
Zaakpay, part of the MobiKwik ecosystem, is known for easy integration and stable processing capabilities.
Features
- Supports multiple bank accounts, credit/debit cards, UPI.
- Flexible plans for startups and mid-sized merchants.
- Multiple SDKs for quick integration.
Fees
- Around 1.9% for card transactions, with higher rates for American Express.
- No annual fees for basic accounts.
Pros & Cons
Pros
- Simple plugin integration for popular ecommerce platforms.
- Transparent pricing for domestic transactions.
- Good speed of transaction approvals.
Cons
- Limited advanced features for large-scale enterprises.
- Customer service hours may be restricted compared to bigger providers.
9. PayGlocal
PayGlocal is an emerging payment gateway designed for businesses seeking smoother international transactions and secure online payment experiences. Positioned as a strong contender among the best payment gateway options, PayGlocal focuses on cross-border acceptance and seamless checkout for both domestic and global customers. It aims to give merchants the flexibility and security they need while helping startups and established companies scale across multiple countries.
Features
- Specializes in international transactions.
- Designed to reduce settlement times, ensuring merchants can access their funds quickly.
- Advanced security protocols.
Fees
- Debit Cards, Net Banking, UPI: 2% + GST.
- Credit Cards: 3% + GST.
Pros & Cons
Pros
- Ideal for cross-border commerce.
- Strong security and fraud detection.
- Quick integration.
Cons
- Less recognized brand compared to older gateways.
- Not the best fit for extremely large monthly volumes.
10. Cashfree
Cashfree stands out for its fast settlements and international payments support, plus a variety of payment options.
Features
- Settlements within minutes (even on bank holidays).
- Over 120 payment methods, including cards, wallets, UPI, and BNPL.
- Simple integration with popular eCommerce platforms.
Fees
- ~1.95% + GST for standard domestic transactions.
- Customizable enterprise rates for higher volumes.
Pros & Cons
Pros
- Favored by startups for its cost-effective approach.
- Fast disbursal of funds, improving cash flow.
- Noted by many as the best payment gateway for small business focusing on quick settlements.
Cons
- Customer support can be delayed.
- Additional fees for certain premium services.
Comparing the Best Payment Gateways
With so many choices, it’s helpful to see how these gateways align in terms of features and cost.
Side-by-Side Feature Analysis
| Gateway | Crypto Support | Multi-Currency | Security Protocols | Recurring Billing | Setup Time |
| 0xProcessing | Yes | Yes (55+ coins) | Proprietary blockchain + VRCS | Yes | Moderate |
| Paytm | No | Select | Standard PCI-DSS | Limited | Fast |
| Instamojo | No | Limited | PCI-DSS | Limited | Fast |
| PayU | No | Yes | PCI-DSS, Fraud detection | Yes (Plan-based) | Medium |
| Razorpay | No | Select | PCI-DSS, Dynamic routing | Yes (subscriptions) | Medium |
| Stripe | Partial (USDC) | Extensive | PCI-DSS, Radar | Yes | Medium |
| CCAvenue | No | Wide | PCI-DSS, Fraud guard | Yes (premium) | Slower |
| Zaakpay | No | Limited | PCI-DSS | Partial | Medium |
| PayGlocal | No | Limited | PCI-DSS | Yes | Medium |
| Cashfree | No | Select | PCI-DSS, data encryption | Yes (on request) | Fast |
Cost Comparison
- 0xProcessing: Flexible plans, custom quotes, minimal overhead for crypto conversions.
- Paytm: ~1.99% + taxes, plus custom enterprise fees.
- Instamojo: 2% + fixed amount (plus taxes).
- PayU: 2–3% + taxes, depends on domestic vs. international.
- Razorpay: ~2% (domestic), 3% (international).
- Stripe: 2–3% + additional fees for advanced features.
- CCAvenue: ~2% domestic with annual maintenance.
- Zaakpay: ~1.9% standard, no annual for the basic plan.
- PayGlocal: ~2–3% + GST, known for competitive rates.
- Cashfree: ~1.95% standard, custom rates for enterprise.
How to Implement a Payment Gateway for Your Business
Key Setup Steps
- Sign Up: Register an account with your chosen provider.
- KYC and Verification: Submit necessary documents (business registration, bank info).
- Integration: Install the plugin or connect via API to your website or store.
- Testing: Run test transactions to ensure everything is functioning properly.
- Go Live: Once verified, switch to production mode and start accepting real payments.
Avoiding Common Mistakes
- Skipping thorough testing leads to transaction failures.
- Ignoring international rules if you plan to sell globally.
- Underestimating fraud detection.
- Failing to read the fine print on fees.
- Overlooking user experience (complex checkouts deter customers).
Maximizing Your Payment Gateway's Potential
Optimizing for Mobile Payments
A large chunk of modern ecommerce sales comes from mobile devices. Ensure your gateway offers responsive checkout pages, app integrations, and one-click payments for a frictionless user flow.
Integrating Analytics for Better Decision-Making
Leverage the data from your payment dashboard to track conversion rates, average order value, and top-performing payment methods. This enables you to refine your checkout design and target the best solutions for your business.
Customization Options for Niche Markets
If you cater to niche industries (e.g., subscription-based services, online gaming, or digital content), consider gateways with specialized features like recurring billing, multi-tier pricing plans, or embedded crypto wallets (like 0xProcessing’s advanced VRCS setup).
FAQs
What are the best payment gateways for small businesses?
Many providers can claim the title of best payment gateway for small business in India, but top contenders include Instamojo, Cashfree, Razorpay, and 0xProcessing (especially for those seeking crypto capabilities). These gateways offer straightforward setup, competitive fees, and easy integration.
Can I use multiple payment gateways simultaneously?
Yes. Running multiple payment gateways on your website can enhance customer experience, reduce transaction failures, and provide fallback options. Just ensure you maintain consistent branding and keep track of the overall cost.
How do payment gateways ensure transaction security?
Most payment gateways incorporate encryption, PCI-DSS compliance, advanced fraud detection systems, and secure data handling. These features protect both merchants and customers, minimizing the risk of data breaches and chargebacks.
Final Thoughts: Choosing the Right Payment Gateway for Your Needs
In 2025, top payment gateways in India span a wide range of solutions — from conventional options like Paytm and PayU, to newer crypto-enabled players like 0xProcessing. As you determine which payment gateway is best in India for your business, remember to balance costs, security, global expansion plans, and the unique features your marketplace or store requires.
Whether you need the best payment gateway in India with lowest transaction fee or the best payment gateway for shopify India, an in-depth look at your operational needs will guide your decision. For advanced crypto acceptance and robust security, 0xProcessing is definitely among the top picks. Meanwhile, solutions like Razorpay, Instamojo, and Cashfree appeal to startups seeking a best payment gateway for startups India with minimal overhead.
Ultimately, the best strategy is to pinpoint your business objectives, then select the best online payment gateway that aligns with them — whether you prioritize swift processing, advanced features, or cross-border flexibility. By doing so, you’ll ensure smoother transactions, higher conversion rates, and a better overall customer experience.
