List of Best Payment Gateways in India

Do you confused about finding the best payment gateway for India which works out for you to process the payments? There are numerous payment gateway providers are available in India which you can make use of and that can provide you an immense variety of services.

How to Choose the Best Payment Gateway in India?

Since there are many payment gateways companies are available, you may find difficulty in choosing the best one. Therefore it is really necessary for you to have in order to pick the best payment gateway service provider company.

In order to choose the best one, you need to check their Setup Fee, Annual Maintenance Fee, Transaction Fee, Settlement Days – 2 Days, Support Quality. Below you will find separate details about each payment gateway service provider company.

How to Apply for a Free Payment Gateway for My website?

After selecting the payment gateway service provider, you have to visit their website, create an account,  and submit required documents. It will take an average of 4-5 working days for approval. Also, follow their instruction, in case you find any issue you can contact their support team.

What are the Documents Required for Merchant KYC?

You have to provide proper documentation and web compliance to activate payment services. The basic list of documents required for payment gateway India?

  1. Photo Proof – PAN Card / Passport / Driving License / Election Card
  2. Office Address Proof – Electrical Bill, Rent Agreement, Bank Statement or Passbook
  3. Additional Documents – GST Registration Copy
  4. Canceled Cheque – For the bank account into which you will be receiving payment.


Top 10 Best Payment Gateway for Website in India:

Ccavenue Payment GatewayCC Avenue is one of the widely used payment gateways. It is really a big payment gateway which has been used by lots of eCommerce stores. They are very popular that there are lots of payment options are available including ATM cards, EMI’s, IMPS, etc. You would be really amazed to see the numerous services it provides like multiple currency options and customization. You can freely integrate this payment gateway to your website.

  • Setup Fee – Free
  • Annual Maintenance Fee – Rs. 1200
  • Transaction Fee – 1.99% + Rs. 3
  • Settlement Days – Weekly
  • Top Clients – Make may trip, Yatra Online Pvt.Ltd, AirAsia,,
  • CC Avenue Website URL –
  • Customer Support Number –  022 67425555, 022 66920419
  • Documents Required for CCAVENUE Payment Gateway – Photo Proof (Signing Authority ), Office Address Proof, Additional Documents, Cancelled Cheque, Financial Proof

PayUBiz / PayUMoney Payment Gateway

PayUMoney / PayUBIZ is a trusted payment gateway service that has got lots of popular clients like Goibibo, BookMyShow, etc. These provide customized services which make it special. The transaction fee is also very low compared with other payment gateways It supports multiple payment modes and has got different types of packages which are gold, silver, economy, etc where the users can choose the interesting ones.

  • Setup Fee – Free (PayUMoney), Rs. 4900 to Rs. 19900 (PayUBiz,)
  • Annual Maintenance Fee – Free (PayUMoney), Rs. 2400 (PayUBiz)
  • Transaction Fee – 2% (PayUMoney),  2.25-2.95% for Credit/Net Banking, 0.75%-1% for Debit Card (PayUBiz)
  • Customer Support Number – 0124-6624801
  • Settlement Days – Transaction Date + 2 Days
  • Top Clients – Jabong, BookMyShow, Freecharge, Zomato, Goibibo, Olx, Ola, ShopClues, Pepperfry
  • PayUMoney / PayUBiz Website URL –


EBS Payment Gateway

EBS payment service is owned by the popular Ingenico group. It has a setup cost of 11,999. It is slightly costly compared to other payment gateway services. There are numerous plans you have with this payment gateway that you can choose easily. Compared to other payment gateways India, the transaction fees are also higher.

  • Setup Fee –  Free & Premium Plan Available
  • Annual Maintenance Fee – Rs.2400
  • Transaction Fee – From 2%  to 3% based on the plan
  • Customer Support Number -+91 80 80 807401
  • Settlement Days -Transaction Day + 12 Days
  • Top Clients – BabyOye, Snapdeal, FirstCry
  • EBS Website URL –

Paytm Payment Gateway

PayTM is the very safest payment gateway system. This has been used by millions of users. All kinds of businesses can choose this payment gateway a sit provide loss of payment systems like credit cards, debit cards, and mobile banking very easily. This is a flexible kind of payment service that the users can have a wonderful ay of transaction. This is one of the widely used payment gateway systems. Easy and quick.

  • Setup Fee -Free
  • Annual Maintenance Fee -Free
  • Transaction Fee – 1.99%
  • Settlement Days –Transaction Day + 2 Days
  • Paytm Website URL –


Instamojo Payment Gateway

Instamojo is a great payment gateway service that has got good features. This is slightly different from other payment modes where it uses links for transactions. A link would be sent to the customer where the customer can provide all the account details and it would be directly sent back to the payment gateway without even touching the website. There are no setup charges with this.

  • Setup Fee –  Zero
  • Annual Maintenance Fee – Zero
  • Transaction Fee – 2% + Rs.3
  • Settlement Days – 3 Business Days
  • Top Clients – Snapdeal’s app Shop, Online Prasad, UrbanClap, YourStory, Next Big What and others.
  • Instamojo Website URL –
  • Customer Support Number – +918880110011


PayKun is the best payment gateway service provider that facilitates more than 120 payment options including debit cards, credit cards, wallets, QR codes, etc. It provides free integration services with all the major available website platforms. It has only a per-transaction fee of just 1.75 %. It also provides the feature of payment links and master links so it is not compulsory to have a website to use the PayKun Gateway. It has available android and iOS applications.

  • Setup Fee –  Zero
  • Annual Maintenance Fee – Zero
  • Transaction Fee – 1.75% for Domestic and 3% for International
  • Settlement Days – T+1 to T+3 Business Days
  • Website URL –
  • Customer Support  – / 1800-212-8070


PayPal Payment Gateway

PayPal is one of the widely used Payment gateway services where it supports lots of international customers. Paypal has got millions of transactions taking place each day that makes it a growing payment gateway. It supports multiple currencies and the conversion rates. Through Paypal you can even upload the cheques through your phone and do the payments very easily.

  • Setup Fee – Free
  • Annual Maintenance Fee – Free
  • Transaction Fee – 2.90% + $0.30
  • Settlement Days – 2-4 Business Days
  • PayPal Website URL –
  • Customer Support Number – 1800 212 3852

List of Payment Gateay - DirectPay

DirecPay is secured, safest, reliable, and trustful kind of payment gateway service. It is very easy to integrate this to your eCommerce business and so it has been preferred by many users. You can easily register into this and make use of the EMI facility which is provided by them. Normally it takes up to five days for the activation of direcpay. It gets activated after the verification process is completed.

  • Setup Fee – Free
  • Annual Maintenance Fee – Free
  • Transaction Fee – 2-3%
  • Settlement Days – T+2
  • DirecPay Website URL –
  • Customer Support Number – +91 9619712858

PayZippy Payment Gateway

PAYZIPPY was the payment gateway of the popular eCommerce group Flipkart. It has numerous other popular clients also. There are no charges to set up this gateway and they do not include any kind of maintenance charges. The transaction fees may vary. Currently this payment gateway is not accepting any new clients but you can just have a look onto their site to understand their status.

  • Setup Fee – FREE
  • Annual Maintenance Fee -FREE
  • Transaction Fee – 0.75% for less than Rs 2000 / 1% for transactions exceeding Rs 2000.
  • Settlement Days – T+2
  • Top Clients – Flipkart
  • PayZippy Website URL –

List of Payment Gateay - Zaakpay

ZAAKPAY is a payment gateway which is very compatible with any devices including android and IOS mobile phones. This is mostly preferred by the start-up business who is not interested in spending a lot of money for the payment gateways there are no setup costs associated with this but may have small maintenance annually.

  • Setup Fee – FREE & Premium Plan Available
  • Annual Maintenance Fee – FREE
  • Transaction Fee – 1.90% for National & 2.90% for International Debit & Credit Card
  • Settlement Days – 2 Days
  • ZaakPay Website URL –
  • Customer Support Number –  +91-9599221289

Comparison Payment Gateway India 2020:

Other details about the Payment Gateway (FAQs):

What is a Payment Gateway?

In simple terms, Payment gateways are the services that facilitate online transactions. It can accept electronic payments in the form of debit cards, credit cards, and online banking. Since commerce has been flourished so extensively, the uses of payment gateways are really enormous!

If you have made an online purchase on a website, then you may have done the online payment entering your card details. You see that your payment gets done and the order gets confirmed.  It is through this medium your payments are getting done and the merchant gets the money.

How Does the Payment Gateway Work?

It acts as a medium between the buyer and a seller where the payment gateways can easily accept money from the buyer and can transfer the money to the seller account. There may be a transaction fee that would be charged and the rest of the money will be transferred to the merchant’s bank account.

The credit card information passed to the merchant’s website would be in an encrypted form keeping it confidential. This information is then passed to the payment gateways. It is the payment gateway who verifies the account details of the customer and processes the payments. All these take very little time but there are lots of things are happening behind.

What do you need to consider while choosing the Payment Gateway for the eCommerce website India?

Try to choose the payment gateway for the eCommerce website/service website which satisfies all the below factors. Make your internet transactions awesome by picking out the best eCommerce payment gateway. Whenever you are about to choose an online merchant gateway, making sure you are considering the following factors:

  • Check the payment gateway you opt to support all kinds of online transactions including credit and debit cards, e-wallets, mobile banking, etc.
  • Ensure the payment gateway has got good rating and reviews that the experiences using them are really great for other users
  • Check out the payment gateway is secure, reliable and the one which is trustworthy
  • Ensure the payment gateway you opt can be easily integrated on to the website
  • Make sure it is flexible and user friendly
  • Go for the payment gateways which are affordable to you
  • Superior User Experience

How Can I Integrate Payment Gateway on Website?

During the designing & development of your website / eCommerce website, your developer will integrate the payment gateway free of cost.

Also, the most trusted payment gateway service provider provides plugins/extensions/modules for the known open source platforms like WordPress (Woocommerce), OpenCart, Magento 2, Shopify. They provide the documentation to integrate their gateway on your eCommerce / business websites in very easy steps.

If nothing works, contact us, being a reputed payment gateway integration company in Delhi, India, HOWAYS has become a reliable partner for shopping & service website’s owners and customers.

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