Top 10 Best Payment Gateway in India [Updated Jan 2023] + 5 Bonus

23 min readApr 18, 2021

Choose The Best Payment Gateway (India) that works for you.

If you are running a startup or small business or a Brand, it could be quite difficult to choose a Payment Gateway for your eCommerce store.

Therefore our eCommerce experts at BrandLoom Consulting set down to identify the top 10 Best Payment gateways in India.

In this article, you will find the list of 10 best online payment gateways curated by our team based on their experience, you will also find insights on 5 Bonus Payment gateways also.

payment gateway acquisition services — adv

However, before you jump into the list, let us understand what is a payment gateway.

What is a Payment Gateway?

A P ayment Gateway is an eCommerce application service that authorizes credit card or debit card payments for online businesses, online retailers, bricks and clicks, or traditional brick and mortar.

It facilitates the transfer of information between a payment portal (such as a website, mobile phone, or interactive voice response service) and the Front End Processor or acquiring bank.

Payment Gateway service automates the payment transaction between the shopper (buyer) and merchant (seller).

It is generally a third-party service that is actually a system of computer processes (that process, verify, and accept or decline credit card transactions) on behalf of the merchant through secure Internet connections.

The payment gateway infrastructure allows a merchant (seller) to accept credit, debit cards,s, and other forms of electronic payments.

HOW DOES A PAYMENT GATEWAY WORKS — EXAMPLE FROM PAYUBIZ IN INDIA

List of Payment Gateways in India (Randomly Placed):

Here is our curated online payment gateway list.

1. Cashfree Payment Gateway

Cashfree Payments is one of India’s leading payments and API banking companies.

It provides 120+ payment modes such as Credit and Debit Cards (Visa, Mastercard, Rupay, AMEX, Diners), Net Banking (65+ banks), Paytm and other wallets, UPI via BHIM UPI, Google Pay, PhonePe, EMI options, Buy Now Pay Later.

It also supports NEFT, IMPS and PayPal.

In addition to this, they offer the widest range of PayLater and cardless EMI options such as ZestMoney, OlaMoney postpaid, etc. Cashfree Payments also supports international payments in more than 100 currencies across the globe.

Cashfree’s payment gateway pricing is just 1.90% per transaction [Lowest TDR charges in India]. Moreover, they have the fastest settlement cycle of 24 hours to 48 hours.
via Cashfree Website

Cashfree also offers an Instant Settlements feature that lets businesses access the funds within 15 minutes of payment capture, and to a destination account of their choice (virtual account or directly to their bank account).

It is best known for introducing advanced payment gateway features such as the Refunds suite that includes instant refunds, preauthorization on card payments, and Cashgram — Payout Links for COD order refunds.

Cashfree Payment Gateway Charges

CASHFREE PAYMENT GATEWAY OFFERS LOWEST TDR IN INDIA

It offers a feature-rich dashboard that can be used to create orders and collect payments along with the widest range of integrations — for both websites and mobile applications. Businesses can choose from a range of payment gateway integrations.

Cashfree has built ready-to-use eCommerce payment gateway plugins for platforms like Shopify, Woocommerce, Wix, Magento, OpenCart, etc.

Type of Payment Gateway: Integrated Payment Gateway
Cashfree Payments Gateway Charges in India

Initial Setup Fees: ZERO
Annual Maintenance Charges: ZERO
Minimum Annual Business Requirement: ZERO
Applicable Fee per Transaction:

Credit & Debit cards on Visa, Mastercard, Maestro, RuPay, 65+ net banking: Flat fee @ 1.90% + GST
Wallets: Paytm, Airtel Money, Freecharge, Mobikwik, Ola Money, Jiomoney: Flat fee @ 1.90% + GST per transaction.
UPI: Flat fee @ 1.90% + GST per transaction
International Credit Cards on Visa, Mastercard, and American Express: Flat fee @ 3.5% + Rs 7 per transaction
Taxes extra as applicable from time to time
Domestic Cards and Internet Banking Options: Visa, Mastercard, Maestro, RuPay, and 65+ net banking
International Payment / Credit Card Support: Supported by Visa, Mastercard and American Express. Paypal integration with Cashfree is available that helps you offer Paypal as a checkout option. Start accepting international payments from day one.
Pay Later and EMI Options: Pay Later (Ola Money Postpaid, Lazy Pay, and ePayLater, ZestMoney and Flexmoney)
EMI — Flexmoney, ZestMoney and multiple bank EMI options
Recurring Payment or Subscription management — Collect payments for subscriptions via links or API. Customize subscription plans.
Multi-Currency Support: 100+ foreign currencies supported. Other currencies are also configurable on request.
Mobile App Payment Gateway Integration: Choose from the widest range — Android SDK, iOS SDK, Reach Native, Flutter SDK, Cordova SDK, Xamarin Android SDK and Xamarin iOS SDK.
Settlement time: 24 hours (sell today and get paid tomorrow).
Smart Analytics: Live transaction report, compare monthly collections and mode of payments, daily reporting of the settled & unsettled transactions
Account activation: Go live within 24 hours of sign up. One of the few platforms that provide International payments activation from the first day itself. Start with easy to follow integration kits.
Documentation required for payment gateway registration: Completely online process. Need only scanned copy of the cancelled cheque, PAN Card and address proof.
Customer Support: Dedicated Account Manager is assigned to each account who stays as a single point of contact. Live chat support Monday-Saturday.
Here are Cashfree Payments Contact Details: contact sales

Cashfree Payment Gateway Integration Plugins

Cashfree Payments is a payments and API banking company. It helps 1000,000+ businesses accept and send payments. You can use the Cashfree’s payment gateway to collect domestic and international payments on your e-store. Moreover, you can use their products for simplifying your payment needs.

Subscriptions for managing recurring payments with options including emandate (NACH mandate).
Auto-collect to reconcile payments by NEFT-IMPS-RTGS using Virtual Accounts and Virtual UPI IDs.
Easy Split feature to split the commission with vendors.
Payouts — API banking platform for automating bulk payments,
Cashgram for releasing instant refunds to customers (even for cash on delivery orders) and paying users.
Payouts Direct to help businesses connect all their current bank accounts and make bulk payments 24×7 instantly even on a bank holiday.
Global Payouts — cross border payments platform that helps global businesses send money to India to their sellers, service providers and freelancers in India.
Accounts — Banking-as-a-Service

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2 Payment Gateway Service:

PayU (formerly known as PayU Money) is one of the best payment gateways to accept online payments with minimal development effort, easy sign-up, and a quick onboarding process.

You can start accepting payments securely and seamlessly within your iOS, Android, or Windows app, within minutes, with our 100% online hassle-free onboarding process.

Annual maintenance Charge: Zero.
Transaction Fee per Transaction: 2% + GST for each transaction. For American Express & Diners Cards, transaction fees = 3% + GST for international transactions & EMI payment options, there is a set-up fee that needs to be paid along with Annual Maintenance Charges (AMC). Also, the transaction rates are 3% + ₹6 for every transaction..

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3 OPEN Payment Gateway

OPEN offers a Payment Gateway that ranks among Asia’s most well-known, easy-to-use, versatile, and secure payment gateways.

It allows eCommerce businesses to send payment links to customers to accept customer payment via more than 200+ payment choices, including debit & credit cards, IMPS, NEFT, RTGS, UPI & mobile wallets.

Businesses can leverage Woocommerce, Magento, Opencart, Prestashop & many more plugins to integrate the payment gateway to their online shops.

We offer instant settlements with zero fees so that you can access your funds in minutes in your bank account or OPEN’s virtual account.

You can also create & send GST-compliant invoices with in-built payment links to receive customer payments.

The payment gateway from OPEN has smooth platform integration, improved reliability, and instant settlement capabilities.

The payment gateway offers a seamless customer checkout experience.

Its robust dashboard leaves the entire transaction trail for your payments, settlements, cash flow, refunds, etc., via analytics, making cash flow statement generation easy.

With this, businesses can keep a broad track of spending details.

Highly customizable Payment Gateway from Open can help you maintain the look and feel of your brand for seamless integration.

It ensures that the brand’s identity remains intact while making the customer’s payment experience smooth.

It bolsters companies with the most wholesome and gratifying transactional experience through the industry’s state-of-the-art means.

OPEN also Includes a PCI-DSS-compliant system for end-to-end customer data security.

OPEN offerings:

200+ payment options include UPI, IMPS/NEFT/RTGS, mobile wallets etc.
Start transacting immediately — zero waiting time.
Settlement: Immediate
Settlement Charges: Zero
Transaction fee — Most affordable in India:

1.85% for Indian Credit/Debit cards and net banking.
Zero for UPI & Rupay Debit cards.

Customer Support:
Mobile SDK integrations:
Easy brand integration for a seamless experience
One dashboard to track payments, settlements, payouts, refunds, etc.
Integrated expense management
Send Payment links to customers to receive payments
Create & send GST-compliant invoices with in-built payment links
Debit/Credit cards, Master Card, Visa
Net Banking
UPI/BHIM
Single QR Code
One dashboard to track all business transactions such as settlements, payouts, refunds, etc.
Easy brand integration and accept payments on the platform without any redirection.
Plugins for Woocommerce, Magento, Opencart, Prestashop & many more
Includes a PCI-DSS-compliant system to fortify customer payment and data security completely.

Razorpay is the only payments solution in India that allows businesses to accept, process, and disburse payments with its product suite.

It gives you access to all payment modes including credit card, debit card, net banking, UPI, and popular wallets including JioMoney, Mobikwik, PayUmoney, Airtel Money, FreeCharge, Ola Money, and PayZapp.

Razorpay provides the highest level of tech integration at a reasonable price:

Razorpay Payment Gateway service charges are:
Annual maintenance Charge: ZERO
Transaction Fee per Transaction: simple and transparent pricing plan which has no hidden fees: 2% per successful transaction; +1% for International cards, EMI and Amex; No setup fees; No Annual maintenance charges; GST applicable of 18% on the transaction fee.
Key Features of Razorpay Payment gateway service are
International Payment / Credit card Support: International approval is a separate process and takes longer, which is subject to the bank’s approval.
Multi-Currency Support: Does not support
Withdrawal Fees: Zero
Settlement days: 3 days in your connected Bank account.
Customer Support: Chat Support and IVR is available 24/7.
Documentation required: You can find the documentation list here.
No of Days to start a transaction: Near to real-time activation. Subject to documents approval.
Supported eCommerce CMS System: All major ones such as WooCommerce, Magento, CS-Cart, Opencart, Shopify, WHCMS, WordPress, Arastta, Prestashop.
Mobile App Integration: Mobile SDK’s for Android and iOS via Cordova/Phonegap
Razorpay Payment Gateway India Contact Details: support@razorpay.com

Instamojo Payment Gateway allows new merchants to create a merchant account instantly to collect online payments with ease with or without a website. Charges of Instamojo are quite reasonable.

Instamojo Payment Gateway service charges are:
Annual maintenance Charge: ZERO. yes ZERO
Transaction Fee per Transaction: Flat fee @ 2% + Rs 3 per transaction
Key Features of Instamojo Payment gateway service are
International Payment / Credit card Support: Not supported
Multi-Currency Support: Not supported. Only INR.
Withdrawal Fees: Zero
Settlement days: 3 days in your connected Bank account.
Customer Support: Their IVR system clearly says that they are closed over weekends. However, on weekdays, our call went unanswered.
Documentation required: Documentation list you can see after signing up with them.
No of Days to start a transaction: You can start receiving payment after simple signup with your email. Types of Credit Card Accepted:
Supported eCommerce CMS System: All major ones such as Magento, Prestashop, Opencart etc.
Mobile App Payment Gateway Integration: Not available as of now.
InstaMojo Best Payment Gateway India Contact Details: Call on (+91)8880110011

6 PayPal Payment Gateway Service:

PayPal is a global payment platform available in 200+ countries across the world. PayPal claims to have processed 4 billion payments (including 1 billion mobile) in 2014. Over 173 million customers use Paypal on a regular basis.

That is the reason if you are expecting orders from international consumers, you have to have PayPal integrated into your eCommerce Store. PayPal supports more than 100 currencies with a fund withdrawal facility in your bank accounts in 57 currencies and holds balances in their PayPal accounts in 26 currencies.

In India, merchants primarily use PayPal to receive funds from foreign customers only as due to banking regulations an Indian company cannot accept Indian credit cards via Paypal.

PayPal Payment gateway Service charges are:
Key Features of PayPal Payment gateway service are:
International Payment / Credit card Support: PayPal can be used by an Indian merchant only for receiving international payments only. PayPal does not support or recognize Indian currency, therefore you need to choose an international currency as the base currency. What it means is that if somebody pays you in say Australian dollar through PayPal on your eCommerce store, PayPal will first convert that to US$ (with currency conversion charges). Therefore when you withdraw money from PayPal you will again pay currency conversion charges for conversion to Indian Rupee at your bank in India.
Multi-Currency Support: Paypal support over 100 currency globally and as a PayPal merchant you can keep your earnings in 57 currencies!
Withdrawal Fees: There are no withdrawal fees on PayPal. However, as you will be receiving money on a regular basis from PayPal (Through their Banker-CitiBank) you need to obtain proof of foreign inward remittances in the form of a certificate called “Foreign Inward Remittance Certificate or FIRC”. FIRC is a document that acts as a testimonial for all the inward remittances entering India. Most of the statutory authorities accept this document as proof that an individual or a business, such as a limited company, partnership firm, sole proprietorship firm, and others, has received payment in foreign currency from outside the country.
Settlement days: All payments received in your PayPal account will be auto-withdrawn to your local bank account on a daily basis.
Customer Support: PayPal has a great customer support system.
Documentation required: The documentation process is quite simple. It only takes a few minutes to start a PayPal merchant account. To do so you need to confirm your identity. To do so verify your PAN, add a local bank account, and a purpose code (The Purpose Codes have been introduced to identify the nature of the cross-border transaction payment made in compliance with regulatory requirements. Businesses are required to furnish the appropriate purpose codes from pre-filled dropdowns when they initiate a withdrawal from their PayPal account to their Indian bank accounts) and confirm your email address. It is the easiest of the lot.

PayPal Payment Gateway Registration process in India

No of Days to start a transaction: You can start receiving payment immediately after successful registration.
Mobile App Payment Gateway Integration: iOS and Android.
Supported eCommerce CMS Systems: Most of the popular ones are supported.
PayPal best Payment Gateway India Contact Details: Toll free 18002123852.

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7 PayKun Payment Gateway

PayKun is a payment gateway service provider that enables a safe and secure transaction between buyer and seller. There are numerous happy merchants registered and live today who have developed their business with the help of PayKun.

Any large, small, individual, trust, NGO, eCommerce, etc can easily register on PayKun and use the payment gateway for receiving online payments. The customers will get multiple payment options to make a payment on the PayKun checkout.

cheapest payment gateway in India

Key Features of PayKun Payment Gateway are:

Setup cost: Zero
Annual Maintenance Charges: Zero. No hidden charges
Transaction Fee per Transaction:
Key Features of Paykun Payment gateway services:
Paperless, easy & fast on-boarding process
Easy & free integration with your website/application for all major platform
Compliant with the Payment Card Industry Data Security Standard (PCI DSS) v3.2.1 Level 1.
Payment retry option
Payment link option for single & multiple customers
Master payment link option (Customer can fill their amount and initiate transaction without any integration) ()
Single click easy refund to the Customers (Partial refund option available)
Website/Application not mandatory (individual can receive online payment by creating payment link)
Powerful dashboard (Easy and User-friendly UI)
Personal dedicated assistance
Mobile Optimised design, Widest Payment choices including all wallets and UPI, Advanced UPI — Scan and Pay, Subscription Payments, Withdrawal gateway and more
Offers 120+ payment options with simple and lowest pricing.
Debit/Credit cards, Master Card, Visa, Diners Club
Net Banking
Wallets
UPI/BHIM
Single QR Code
International Payment / Credit card Support: No
Multi-Currency Support: No
Withdrawal Fees: None
Settlement days: T + 1 to T + 3 working days (depending on business model and payment mode)
Documentation required: Depends on the nature of business- business KYC and more
No of Days to start the transaction: within an hour
Paykun Best Payment Gateway India Contact Details: 1800–212–8070 (Mon to Fri — 10:00 am to 18:00 pm IST)

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8 CCAvenue Payment Gateway:

CCAvenue is one of the largest payment gateway India, offering a wide range of payment options. It offers 200+ payment options inclusive of 6 credit cards such as Amex, JCB, Diners Club, Mastercard, Visa, and eZeClick. It also supports 27 major currencies, thus enabling you to serve customers in some major global markets out of India. CCAvenue also allows a Multilingual payment page in 18 major Indian and international languages.

CCAvenue Payment gateway Service charges are:
Initial Setup Fee: Zero, yes Zero
Annual maintenance Charge for a Startup account: Rs 1200
Transaction Fee per Transaction: Variable fee below
Domestic Credit & Debit cards on Visa, Mastercard, Maestro RuPay: Flat fee @ 2%
Wallets: Freecharge, Mobikwik, OlaMoney, Jiomoney, Paytm, PayZapp, Jana Cash, SBI Buddy, The
Mobile Wallet: Flat fee @ 2%
IMPS & UPI: Flat fee @ 2%
International Credit Cards on Visa, Mastercard, American Express, JCB and Diners Club: Flat fee @ 3%
Taxes extra as applicable from time to time
Key Features of CCAvenue payment Gateway are
International Payment / Credit card Support: Supported on CCAvenues. Your eCommerce store can represent your product pricing in any number of currencies. Your customers can check-out on the CCAvenue payment option page using their desired currency with Multi-Currency payment Gateway that supports 27 foreign currencies.
Multi-Currency Support: CCAvenue allows the collection of payments in 27 major foreign currencies and allow your customer to pay in the currency they know best. Currencies supported by CCAvenue Payment Gateway are:
Indian Rupee
Singapore Dollar
Pound Sterling
American Dollar
Omani Rial
Bahraini Dinar
UAE Dirham
Euro
Canadian Dollar
Swiss Franc
Baht
Sri Lankan Rupee
Malaysian Ringgit
Qatari Riyal
Hong Kong Dollar
Kuwaiti Dinar
Bangladesh Taka
New Zealand Dollar
Australian Dollar
Nepalese Rupee
Chinese Yuan Renminbi
Japanese Yen
Kenyan Shilling
Mauritius Rupee
Philippine Peso
Saudi Riyal
South African Rand
Withdrawal Fees: free. Domestic Friday and International Tuesday
Settlement days: CCAvenue settles payments on a weekly basis for all amounts over & above of Rs. 1000, which is the minimum amount required to be kept.
Customer Support: Their website claims 24x7x365 days of Voice, Chat and email support. However their chat was off on weekend. IVR system clearly says that they are closed over weekends. However, their sales and technical team responds very well and also coordinates well internally.
Documentation required: List of documents required by CCAvenues for Online Payment Gateway is here.
No of Days to start a transaction: Though CCAvenue claims on their website that all new merchant accounts get activated within 1 hour of registration, in practice, it will take anything between 3 to 6 days. CCAvenue will approve your website and will ask for physical copies of documents before you start transacting through their payment gateway.
Types of Credit Card Accepted: 6 credit cards such as Amex, JCB, Diners Club, Mastercard, Visa and eZeClick are accepted.
Supported eCommerce CMS System: CCAvenue has developed API’s for most of the shopping carts such as Buildabazaar, Cubecart, Drupal, Interspire, Joomla, Magento, Magento Go, Martjack, Moodle, NopCommerce, Opencart, OsCommerce, PrestaShop, VirtueMart, WHMCS, WordPress, ZenCart.
Mobile App Payment Gateway Integration: Android, iOS and Windows.
CCAvenues Payment Gateway India Contact Details

payment gateway acquisition services — adv

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9 Atom Paynetz Payment Gateway service:

Atom is promoted by FT Group and it is an innovative Payment Service Provider with over 100 payment options, 15 million + transactions, 4500+ strong merchants across the country.

Atom Paynetz Payment Gateway Service charge are:
Annual maintenance Charge: Generally waived off for first year, however second year onwards you have to pay Rs 2400.
Transaction Fee per Transaction:
Credit Cards: 2.1%
Debit cards: for transactions less then Rs 2000 it is 0.75%
Debit cards: for transactions more then Rs 2000 it is 1%
Atom Paynetz Payment Gateway India Contact Details: call 022–6686 4010

BEST PAYMENT GATEWAYS HELP YOUR CUSTOMERS TO BUY FROM YOU

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10 Citrus Payment Gateway:

It is merged with PayU now. Therefore, I have dropped all the details for this payment Gateway.

Below are details of another payment Gateway that you can consider for your Business:

Paytm has emerged as a leading payment due to its online consumer base with ‘Paytm Cash’ wallet. Therefore paying with Paytm could be beneficial for a small eCommerce merchant.

Domestic Credit Cards supported: Visa, Master, Maestro, Amex, Discover and Diners. Flat 1.99%
International Credit Cards supported: Visa, Master, Maestro, Amex, Discover and Diners
Pricing of Paytm payment gateway
Initial Setup Fees: Rs 5000. Waived as of now
Annual Maintenance Charges: Rs 5000. Waived as of now
Minimum Annual Business Requirement: ZERO
Applicable Fee per Transaction:
1.99% for Paytm wallets, Net banking, and Credit cards
0.4% for transaction amount below Rs. 2,000 via Debit cards (Mastercard & Visa) / 0.9% for amount above Rs. 2,000
0% for Rupay card and UPI
2.8% for international Credit/Debit cards
0% Transaction fees for all startups (Build for India Offer)
Multi-Currency Support: 72 plus currencies
Charges on the PayTM payment gateway
International Payment / Credit card Support: Supported all kind of credit cards.
Multi-Currency Support: 72 currencies supported as of now.
Multi-currency transaction charges: Not applicable.
Withdrawal Fees: Zero.
Settlement days: Settlement takes place within 1–2 days. PayTM also offers optional real-time / same-day settlement.
Customer Support: very good customer support all through the week.
Documentation required: New merchant accounts need to provide business registration and bank account details.
Supported eCommerce CMS System on Paytm payment gateway: Shopping Cart Kits currently available with Paytm are:
Opencart
Magento
Zencart
WordPress Woocommerce
Joomla Virtue Mart
Prestashop
OSCommerce
WordPress Ecommerce
Ubercart
Easy digital
WHMCS
ViArt
Opencart
CScart
Virtuemart
Drupal Commerce
Moodle
Nopcommerce
Gravity forms.
Paytm Payment Gateway Integration kits are available in the following environments:
PHP
ASP.NET
Ruby On Rails
JSP
VB.NET
OSCommerce
Mobile App Integration: Available for both Android, iOS.
Paytm Payment Gateway India Contact Details: signup on their website.

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12 DirecPay Payment Gateway Service:

DirecPay is one of the largest payment gateway solutions service providers in India.

Their charge are:
Annual maintenance Charge: Zero.
Transaction Fee per Transaction: variable transaction fee applies
Domestic Credit and Debit cards on Visa, Mastercard, Maestro, RuPay: Flat fee @ 2%
Wallets: Flat fee @ 2%
NEFT, IMPS, Cash cards & UPI: Flat fee @ 2%
Amex, ezeClick, JCB and Diners: Flat fee @ 3%
Taxes extra as applicable from time to time
Key Features of DirecPay are
International Payment / Credit card Support: Supported with an additional refundable security deposit of Rs 30000.
Multi-Currency Support: US$ is supported for merchants with International Payment Gateway activation.
Withdrawal Fees: Zero
Settlement days: Settlement in T + 2 days ( T = Transaction day )
Customer Support: Customer support not available over weekends. However, you will be able to connect easily with support team over weekdays.
Documentation required: New merchant accounts need to provide business registration documents.
No of Days to start a transaction: 5 to 7 days
Supported eCommerce CMS Systems: nopCommerce, Prestashop, OpenCart, OSCommerce, Joomla, WordPress, WHMCS, cubecart and cscart.
Mobile App Integration: Android and iOS.
DirecPay Payment Gateway India Contact Details: Call 9619712858; email contact@direcpay.com.

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13 PayUbiz Payment Gateway Service:

PayUbiz is part of Naspers, a US$25 Billion media and internet company listed in Johannesburg and London stock exchange. It is a payment gateway solution provider used by more than 70 of the top 100 eCommerce companies. PayUbiz is used by large enterprises such as Snapdeal, Jabong, Bookmyshow, Ola, Cleartrip, Redbus, GoIbibo, Zomato etc.

Annual maintenance Charge: Variable charges apply.
Transaction Fee per Transaction: Variable charges apply.

PayUbiz Payment Gateway Charges in India

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14 Mobikwik Payment Gateway:

Mobikwik ( formerly known as Zaakpay) Payment Gateway is a popular service for online credit, debit card & internet banking processing transactions. They claim to set up an account in two days’ time.

Their charge are:
Annual maintenance Charge: Custom, negotiable.
Transaction Fee per Transaction: Custom, negotiable.
Mobikwik Payment Gateway India Contact Details: Call 011–30018008 (we were not able to talk to their sales team on 16th Nov 2015 on this number), email: contact@zaakpay.com. Please note that their on page contact form does not work properly. Therefore the only way you can contact them will be emailed (though we have not got their revert so far).

Are you looking for a Payment Gateway for Tech Support Business — Click here

If you are looking International Payment Gateway for Indian Merchants Click here

15 Worldline’s Next Gen Payment Gateway

Next Gen Payment Gateway (formerly EBS or E-Billing Solutions) is the first Indian merchant account provider to achieve the PCI DSS 3.0 standards of compliance. It is also certified by security and process adherence followed and audited by ISO 27001- 2013 standard. Therefore, it is one of the most secured online service providers in the world.

Worldline Next Gen payment gateway service charges are:

Annual Maintenance Fee: Rs 1200 flat applicable every year (waived for the first year).
Transaction Fee Per Transaction: Variable charges apply depending on the package.
Key Features of Next Gen Payment gateway are:
International Payment/ Credit Card Support: Next Gen Payment gateway accepts Visa, Master Card, American Express, JCB & Diners Cards issued around the world.
Multi-Currency Support: Next Gen Payment Gateway supports 27+ major foreign currencies so that customers can pay in their local currency. Currency supported are:
Indian Rupee (INR)
American Dollar (USD)
British Pound (GBP)
Euro (Eur)
UAE Dirham (AED)
Qatari Rial (QAR)
Omani Rial (OMR)
Canadian Dollar (CAD)
Hong Kong Dollar (HKD)
Singapore Dollar (SGD)
Australian Dollar (AUD)
Withdrawal Fees: Nil.
Settlement Days: T+2
Customer Support: Customer-friendly staff to get issues resolved.
Documentation Required: Yes.
No of days to start a Transaction: Merchant can go live within one day of online activation
Supported eCommerce CMS Systems: 19+ eCommerce plugins including Magento, Opencart, Woo Commerce, Shopify
Mobile App Payment Gateway Integration: Windows, iOS and Android.
Know more about Worldline Next Gen Payment Gateway, one of the Best Payment Gateway in India.

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Easebuzz is a software platform that allows businesses to have a payment gateway and value-added services. Easebuzz offers services in handling complex payment problems like vendor payments, recurring payments, split payments, and multiple value-added services which helps businesses to scale.

Key features of Easebuzz payment gateway are as follows -

Annual maintenance fees — Zero for lifetime
Transaction Fee per Transaction -
All Domestic Debit cards (Visa, Master, Rupay, and Maestro) — 1.5% per transaction
All Domestic Credit Cards (Visa, Master, Rupay, and Maestro) — 2.2% per transaction
Netbanking (70 + Banks) — 2% per transaction
UPI (Phone Pe, Bhim, Tex, All banks) — 1.2% per transaction
Wallets (Paytm, Mobikwik, Jio, Oxygen, and 7 more) — 2.5% per transaction
Post Paid (Pay Later — Ola) — 2.2% per transaction
EMI (6+ Banks) — 2.5% per transaction
Time Taken to start transactions — 24 hours. We process only 2–3 documents within KYC and the entire process is online.
Value-added services — Vendor Payments B2B, Split Payments, Recurring payments for subscription-based business, Application form (CMS) for collection of fees/bills/invoicing amount, and smart payment link solution.
Payment API’s available for all major web-based and mobile-based languages -

Our recommendation is that you go ahead with at least two payment gateways so that your customer has a choice to pay.

If you need Payment Gateway integration on your eCommerce store or if you want to develop an eCommerce store feel free to contact us at BrandLoom Consulting.

FAQ’s

What is Payment Gateway and how it works?
A P ayment Gateway is an eCommerce application service provider service that authorises credit card payments for online businesses, online retailers, bricks and clicks, or traditional brick and mortar.
It facilitates the transfer of information between a payment portal (such as a website, mobile phone, or interactive voice response service) and the Front End Processor or acquiring bank.
How payment gateway works in eCommerce
Payment Gateway service automates the payment transaction between the shopper (buyer) and merchant (seller).
It is generally a third-party service that is actually a system of computer processes (that process, verify, and accept or decline credit card transactions) on behalf of the merchant through secure Internet connections.
The payment gateway infrastructure allows a merchant (seller) to accept credit, debit cards,s and other forms of electronic payments.
Please share with the list of payment gateway providers in India?
Here is the list of payment gateway providers in India:
1 InstaMojo
2 Cashfree
3 CCAvenue
4 Paypal
5 Wordline
6 Atom
7 SBI
8 HDFC
9 PayKun
10 PayTM
11 DirectPay
12 PayUBiz
13 PayUMoney
14 Mobikwik
15 Emvantage
16 Citrus
17 RazorPay
18 EaseBuzz
Which are the Top 10 Payment Gateways in India?
Here is the list of Top 10 Payment Gateways in India:
1 Cashfree
2 CCAvenue
3 Instamojo
4 PayUBiz
5 PayUMoney
6 Wordline
7 Atom
8 SBI
9 HDFC
10 PayKun
Which is the cheapest payment gateway in India?
Cashfree is the cheapest Payment gateway provider in India. Below are its charges:
- Initial Setup Fees: ZERO
- Annual Maintenance Charges: ZERO
- Minimum Annual Business Requirement: ZERO
- Applicable Fee per Transaction: Credit & Debit cards on Visa, Mastercard, Maestro, RuPay, 70+ net banking: Flat fee @ 1.75% + Rs 0 per transaction
- Wallets: Paytm, Airtel Money, Freecharge, Mobikwik, Ola Money, Jiomoney: Flat fee @ 1.75% + Rs 0 per transaction
- UPI: Flat fee @ 1.75% + Rs 0 per transaction
- International Credit Cards on Visa, Mastercard, and American Express: Flat fee @ 3.5% + Rs 7 per transaction
- Taxes extra as applicable from time to time
How to add a payment gateway to a website?
If you want to add a payment gateway to your website, connect with your developer. The method depends on the website technology stack. If your website is built with a popular CMS you can use a pre-existing plugin to add it to your website. Otherwise, you need to use APIs to add it to your website.
How does payment gateway work in India?
Payment Gateway service automates the payment transaction between the shopper (buyer) and merchant (seller). It is generally a third-party service that is actually a system of computer processes (that process, verify, and accept or decline credit card transactions) on behalf of the merchant through secure Internet connections. The payment gateway infrastructure allows a merchant (seller) to accept credit, debit card and others form of electronic payments.
Which payment gateway is best in India?
The answer is that it depends. Not all payment gateways are equal. Choose what works best for you. As a start-up or new business, you would like to ensure a conversion; once a customer likes your Brand Story. You need a Payment Gateway, which is not only safe and quick but also provides multiple payment options.
Here is the list of Top 10 Payment Gateways in India:
1 Cashfree
2 CCAvenue
3 InstaMojo
4 PayUBiz
5 PayUMoney
6 Wordline
7 Atom
8 SBI
9 HDFC
10 PayKun
What is the payment gateway charges in India?
In India most of the payment gateways levy 3 types of charges:
1. Initial Setup Fee: It could be anything between Rs 0 to Rs 200k depending on the payment gateway you are choosing to work with.
2. Annual Maintenance Fee: This could be anything between Rs 0 to Rs 50000/annum.
3. Transaction Charges: Transaction charges are levied on every transaction that takes place on your payment gateway account. It could be anything between 1% to 4%/transaction.
How to get payment gateway for my website in India?
If you are looking for a payment gateway for your website in India, you can simply choose the best payment gateway for your business by visiting the sites of different gateways.
If you need any additional help you can connect with the customer service. You can also connect with our team at BrandLoom.
How many types of payment gateways are there?
Payment Gateways are primarily of two types:
1. Hosted Payment Gateway
2. Integrated Payment Gateways in India
How much does a payment gateway cost in India?
In India most of the payment gateways levy 3 types of charges:
Initial Setup Fee: It could be anything between Rs 0 to Rs 200k depending on the payment gateway you are choosing to work with.
Annual Maintenance Fee: This could be anything between Rs 0 to Rs 50000/annum.
Transaction Charges: Transaction charges are levied on every transaction that takes place on your payment gateway account. It could be anything between 1% to 4%/transaction.
What is a high-risk payment gateway?
Payment processing companies such as Paypal, Stripe process several types of payments. Depending on the type of industry they define such payments as:
High-risk payments
Low-risk payments
The categorisation of payments is driven by the past history of fraudulent charges, chargebacks, cancelled orders, and many other factors. If you are working in an industry with such a scenario, it could be classified as a high-risk industry.
Most of the Payment processers refer business into a high-risk category with merchants’ ratio (both real and anticipated) of chargebacks, merchandise returns or your payment processing history.
How many payment gateways are there in India?
There are hundreds of payment gateways in India. Choose one wisely.

Branding, Integrated & Digital Marketing Wizard and Founder of BrandLoom Consulting (A $1m startup). I help companies generate more revenue through digital marketing. I have successfully led Business and Marketing operations of several Large & Small; American, European, Chinese & Indian Brands and Startups. In totality, I have worked with over 100 Brands during my 21 years of professional career with a proven track record of Building Sustainable & Profitable Businesses.

Originally published at https://www.brandloom.com on April 18, 2021.