In the ever-evolving digital landscape, online transactions have become the backbone of businesses. Choosing the right list of payment gateways is crucial for seamless transactions, security, and customer satisfaction. This guide provides a list of payment gateways in India, helping businesses make informed choices.
What is a Payment Gateway?
A list of payment gateways consists of technologies that facilitate online transactions by authorizing and processing payments. A payment gateway acts as a bridge between a merchant’s website or app and the customer’s bank, ensuring safe and hassle-free payments.
Top Payment Gateways in India
1. Razorpay
Razorpay is one of the most popular payment gateways in India, offering a suite of payment solutions for businesses. It supports credit/debit cards, UPI, net banking, and wallets.
Key Features:
- Supports multiple payment modes
- Instant settlements
- Subscription billing
2. PayU
PayU is a reliable choice for Indian businesses, catering to small startups as well as large enterprises. It provides seamless integration and security features.
Key Features:
- One-click checkout
- Supports multiple currencies
- Robust fraud detection system
3. CCAvenue
CCAvenue is one of the oldest and most trusted payment gateways in India, widely used across various industries.
Key Features:
- Multi-currency processing
- EMI payment options
- Easy integration with e-commerce platforms
4. Instamojo
Ideal for small businesses and startups, Instamojo provides an easy setup and a variety of payment options.
Key Features:
- No setup cost
- Link-based payments
- Instant payouts
5. Cashfree Payments
Cashfree is known for its fast settlements and bulk disbursals, making it an excellent choice for businesses handling high transaction volumes.
Key Features:
- Quick settlements
- API-driven integrations
- Split payments
6. Paytm Payment Gateway
A widely used payment gateway in India, Paytm provides a seamless transaction experience for businesses and customers alike.
Key Features:
- UPI, wallets, and card payments supported
- Zero setup fees
- Fast settlements
7. BillDesk
BillDesk is a trusted payment gateway, widely used for utility bill payments and large-scale transactions.
Key Features:
- Supports recurring payments
- Secure and reliable processing
- Integration with banking systems
8. Atom Paynetz
Atom Paynetz is a secure and easy-to-integrate payment gateway for businesses looking for customizable solutions.
Key Features:
- Multi-bank EMI options
- Multiple payment modes
- Easy API integration
9. HDFC Payment Gateway
HDFC Bank’s payment gateway is a robust option for businesses looking for bank-backed security and reliability.
Key Features:
- 3D Secure authentication
- Fast settlements
- High transaction success rate
10. PayG Payment Gateway
PayG is a growing payment gateway solution known for its ease of use and security.
Key Features:
- Supports UPI, credit/debit cards, and wallets
- No setup fees
- Strong fraud detection system
How to Choose the Best Payment Gateway?
When selecting a list of payment gateways, consider the following factors:
- Transaction Fees: Check the per-transaction charges and additional costs.
- Payment Options: Ensure multiple payment methods are supported.
- Integration & Support: Choose a gateway that integrates seamlessly with your platform.
- Security Features: Look for fraud prevention and encryption capabilities.
- Settlement Time: Faster settlement improves cash flow.
Also Read: Best Payment Gateways for Recurring Billing in 2025?
Conclusion
Selecting the right list of payment gateways is essential for any business looking to accept online payments efficiently. With various options available in India, businesses should evaluate their requirements and choose a platform that aligns with their needs. Whether you run a small business, a large enterprise, or an e-commerce store, there’s a perfect solution waiting for you!
Top FAQs About the List of Payment Gateways
1. Which is the best payment gateway in India?
There is no single best option; it depends on your business needs. Razorpay, PayU, and Cashfree are among the top choices from the list of payment gateways available.
2. What are the transaction fees for payment gateways?
Transaction fees vary by provider and payment method. Typically, they range from 1.5% to 3% per transaction.
3. Can small businesses use payment gateways?
Yes, many payment gateways, such as Instamojo and Razorpay, cater specifically to small businesses and startups.
4. How secure are online payment gateways?
Reputable payment gateways follow PCI DSS compliance and encryption protocols to ensure secure transactions.
5. Does every e-commerce website need a payment gateway?
Yes, a list of payment gateways helps e-commerce sites process digital transactions efficiently and securely.
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