In an increasingly cashless environment where the majority of payment services are conducted online or through credit cards, choosing the best payment gateway can simplify and expedite payments. Both customers and businesses gain from this.
E-commerce websites and conventional brick-and-mortar establishments both use payment gateways as merchant services to handle credit card payments. In an electronic transaction, they might be viewed as the figurative cash register.
It is crucial to comprehend how payment gateway operate, what to search for, and what possibilities are available before choosing one. To learn more about some of the finest payment gateways, keep reading the post.
9 Best Payment Gateways in India

A payment gateway is a technology that enables merchants to securely accept and process online payments from customers. Essentially, it acts as the middleman between the merchant and the customer’s bank, authorizing and facilitating the transfer of funds between the two parties. Best Payment gateways can accept various payment methods, including credit/debit cards, e-wallets, and bank transfers.
They also typically offer features such as fraud detection, recurring billing, and multi-currency support. Payment gateways are essential for businesses looking to sell products or services online, as they provide a secure and convenient way for customers to pay for their purchases.
Razorpay

Razorpay enables you to take consumer payments online via desktop, mobile browser, Android, and iOS. Also, you may collect payments with Razorpay Payment Links via a variety of methods, including SMS, email, WhatsApp, chatbots, and messenger.
Razorpay has quickly become a popular payment gateway in India. When integrated with the best e-commerce plugin for WordPress, Razorpay can help streamline the payment process and improve the overall shopping experience for customers. Along with the best payment gateway, it offers customers additional advantages,
such as Razorpay, which enables businesses to automate bank transfers, invoices, and payroll accounts.
Features:
- Drop-in UI
- Supports 130 currencies
- 24×7 support
- Multiple payment options
- Recurring billing
Pricing:
- No set-up fees
- No maintenance fees
- 2% transaction fees on all platforms
Razorpay offers the broadest selection of payment options with its domestic and international credit and debit cards, EMIs (credit/debit cards and cardless), PayLater, netbanking from 58 banks, UPI, and 8 mobile wallets.
PayPal

PayPal is a platform for eCommerce payments that enables individuals and businesses to send and receive payments without disclosing personal or financial information. One of the best payment gateways, it enables customers to instantly transfer or receive money throughout the world with just an email address.
Using your mobile device to buy or sell on any retailer’s website or app is quite simple. There are 203 countries where PayPal is active, and it accepts popular credit cards including Visa, Mastercard, Citibank, American Express, etc.
Features:
- Mobile card reader
- Barcode scanning
- Online invoicing
- PCI compliance
- Inventory tracking
- Shopping cart
Pricing:
- No set-up fees
- No maintenance fees
- 2.99% transaction fees on all platforms
With PayPal, you can use the following payment methods: Your bank account. Your Visa, Mastercard, Discover, or American Express card.
Stripe

Stripe is a reliable payment gateway that guarantees a seamless transfer of payments into your company while connecting with the application interface that enables you to manage income, prevent fraud with excellent security, and increase sales across the globe. In order to integrate with your company ecosystem, it also offers an open API.
A cloud-based payment gateway software called Stripe makes it possible to accept and handle online transactions from any location in the world. It offers comprehensive solutions for handling payments online and wonderful features like a custom UI toolkit, embeddable checkout, aggregated reporting, and much more.
Features:
- Payment options
- Embeddable checkout
- Authorization
- Accounting integrations
- Unified payout
- Financial reporting
- Roles and permissions
Pricing:
- No setup fees
- No maintenance fees
- 2.9% transaction fees plus 30 cents extra on international transactions
- 1% fees for currency conversion on an international platform
Modern contactless payments like Apple Pay and Google Pay are among the many payment methods that Stripe can take. Customers can also use their digital wallets to complete their transactions.
Amazon Pay

Both online vendors and retailers will enjoy a seamless shopping experience thanks to this best payment gateway. Amazon Pay is packed with fantastic features and capabilities that draw customers and inspire them to spend more, expedite their purchasing experience, and improve customer engagement and loyalty via saved payment details for quicker checkouts.
Amazon offers two separate payment options: login and pay for consumers, and pay with Amazon for businesses.
Features:
- Customer identity
- Fraud protection
- Automatic payments
- Merchant website integration
Pricing:
- No maintenance fee
- 3.9% transaction fee on international transaction
Amazon Pay accepts credit and debit cards. Credit cards currently accepted include Visa, Mastercard, Discover, American Express, Diners Club, and JCB.
Skrill

One of the well-known payment gateways on the globe is Skrill. When it comes to processing payments and transferring money, Skrill is aware of the demands made by current consumers. Skrill was founded in 2001. Currently, Skrill has a large number of prestigious firms as clients who use their cutting-edge solutions in their operations.
Numerous prestigious organizations, like the B2B EGP Award, the Deloitte Technology Fast 50 Award, and others have acknowledged and given awards to Skrill.
Features:
- Email transactions
- Quick access
- Credit card transactions
- One place data
Pricing:
- No setup fees
- No maintenance fees
- 1.75% on all transaction
Skrill, of course, accepts major credit and debit card brands like Visa, Mastercard, and Maestro. Consumers can also elect to make a bank transfer if wanted. Fast Transfer from Skrill is a quick way to transfer money across banks.
Authorize.net

An international payment gateway called Authorize.Net offers a solid infrastructure and security to guarantee the quick, safe, and secure movement of transactional data. Similar to the card swipe machine, it performs transaction routing, however in an internet environment without software installation.
Using the user’s website or the virtual terminal of Authorize.Net, it is a fully integrated electronic check payment system that accepts and processes payments from other bank accounts.
Features:
- Retail payment
- Virtual terminal and batch upload
- Mail/phone payment
- Customer information manager
Pricing:
- No setup fees
- 2.9% transaction fees plus 30 cents extra on international transactions.
With Authorize.net, you can provide your consumers with a wide range of payment methods, including electronic checks, debit cards, credit cards, and Apple Pay.
Payza

Payza is a very practical, quick, and secure payment gateway service that enables individuals and businesses to accept and send money internationally. There are many account kinds available for various consumers, including personal accounts for usage by individuals and commercial accounts for organizations with more demanding needs.
It is one of the finest payment gateway options out now, bridging the gap between sending and receiving payments internationally.
Features:
- Local payment options
- Secure online payments
- Payment buttons
- Shopping cart Integration
Pricing:
- No setup fees
- No maintenance fees
- 2.9% transaction fees plus 30 cents extra on international transactions
Credit and debit cards from Visa, MasterCard, and American Express are accepted by Payza. Users of Payza can make direct transfers of money to and from their bank accounts. It provides prepaid cards and also takes Interact payments.
BlueSnap

The international payment gateway called BlueSnap was created to make it simple for businesses to accept payments. With the help of this gateway, businesses can expand internationally and take payments from clients from all over the world. Our platform is very secure and incorporates a fraud protection mechanism to reduce hazards.
It runs in 180 nations and instantly links to acquiring banks all over the world. It offers 110 different payment methods, 100 different currencies, and 29 different languages.
Features:
- Multi-currency payouts
- Secure acceptance web/mobile
- Payment API
- Marketplace payments
- Subscriptions
Pricing:
- No setup fee
- 2% transaction fee on successful transaction
In order to meet the expectations of international consumers, BlueSnap offers more than 100 different payment methods. It includes Cards and Mobile wallets that accept credit, debit, and cash Amazon PayAlipay Google Pay Links.
Payu

Popular payment gateway PayUMoney offers both businesses and consumers payment options. It was established in 2002 and is Naspers’ premier offering. Worldwide, PayUMoney services are accessible in over 17 different nations. Unregistered businesses or merchants can also access an e-payment site using PayUMoney.
Numerous well-known retailers, including BookMyShow, Jabong, Zomato, etc., frequently use the extremely safe and secure payment platform offered by PayUMoney.
Features:
- Mobile customer interface
- Multi-currency payouts
- Payment options
- Embeddable checkout
- Authorization
Pricing:
- No setup fee
- No maintenance
- 2% transaction fee including GST
With PayU, you can obtain payments from your clients using more than 150 different types of online payment methods, including wallets, credit cards, debit cards, net banking, EMIs, BNPL, and Bharat QR.
Use this criteria to choose the right payment gateway in India
With several payment gateways available, it can be challenging to determine which one is the best fit for your business. In this article, we will discuss the criteria that you should consider when choosing the right payment gateway in India.
Criteria to choose the right payment gateway in India:
Integration: Check if the payment gateway integrates with your website, e-commerce platform, or mobile application seamlessly.
Security: Ensure that the payment gateway follows the necessary security standards, such as PCI DSS compliance, to protect your customers’ data.
Transaction fees: Compare the transaction fees charged by different payment gateways and choose the one that offers the best rates.
Settlement period: Consider the settlement period offered by the payment gateway, i.e., the time taken for the funds to reflect in your account.
Payment methods: Look for a payment gateway that supports multiple payment methods, including credit/debit cards, net banking, UPI, wallets, and more.
Customer support: Choose a payment gateway that provides reliable customer support, as any technical issues can result in a loss of business and revenue.
Reputation: Research the payment gateway’s reputation by checking online reviews, ratings, and feedback from other businesses.
User experience: Opt for a payment gateway that provides a seamless user experience to your customers, reducing the chances of abandoned transactions.
Conclusion
In conclusion, picking the best payment gateway for your company is an important choice that can have a big impact on its performance. Whether you’re managing a tiny e-commerce company or a major corporation, the best payment gateways on the market offer a variety of tools to help you accept payments quickly and easily.
You can make sure that your clients have a smooth checkout process and streamline your business operations by conducting your research and choosing the finest payment gateway for your particular needs.
Frequently Asked Questions
1. How does a payment gateway work?
When a customer makes a purchase online, the payment gateway collects their payment information and securely transmits it to the merchant’s bank for approval. Once the payment is approved, the funds are transferred from the customer’s account to the merchant’s account.
2. What types of payment methods do payment gateways accept?
Payment gateways typically accept a variety of payment methods, including credit and debit cards, mobile wallets, and bank transfers.
3. Is it necessary for my business to use a payment gateway?
If you plan on accepting online payments for your business, a payment gateway is a necessary component to ensure safe and secure transactions.
4. Are there any fees associated with using a payment gateway?
Yes, most payment gateways charge a transaction fee or a percentage of the transaction amount. However, these fees can vary depending on the payment gateway provider.
5. Can I use multiple payment gateways for my business?
Yes, it is possible to use multiple payment gateways for your business. This can provide customers with more payment options and can also help to reduce the risk of transaction failures or downtime.