10 Best Payment Gateways in India 2023

Best Payment Gateways, Hello, Dear Readers welcome to all of you in our new post in this post you will check it about 10 Best Payment Gateways in India 2023, If you’ve just set up your eCommerce store or decided to digitize your small business and sell your products online,

you need a payment gateway to accept payments from your customers. With a lot of payment gateways available in India that allow customers to make payments online,

I’ve carefully picked the 5 best Payment Gateway suitable for small businesses. we have created a list of payment gateway providers in India.

What is a Payment Gateway?

A payment gateway refers to an application that makes the process of online payment easy and simple. It is a medium connecting the merchant’s website or mobile application with the bank.

When you use a payment gateway to complete a transaction, the merchant’s website sends your payment information (debit/credit card or net banking details) to the gateway for verification.

Best Payment Gateways in India

1. Bill Desk

BillDesk is one of the leading Indian online payment gateway company and one of the few profitable Fintech companies in India.

BillDesk simply offer bill presentment, payment and management along with online and offline payment through net banking, NEFT, MyCard etc.

2. PayPal

PayPal is the global payment gateway to accept payments from all over the world. It supports 200+ countries and trusted by over 346 million accounts. PayPal has world-class security for making an online transaction. It allows almost every international credit and debit card.

PayPal also monitors transactions 24/7 that protects customers from fraud. There is also a facility for recurring payment. PayPal is a great payment gateway option for your E-commerce store.

3. CashFree

Cashfree has been getting popular because it is the cheapest payment gateway in India among the Indian payment gateway list. Supports 100+ payment options and 30+ international currencies. It also supports CMS platforms like Magento, Shopify, WooCommerce.


  • 1.75% per transaction – Visa, Mastercard, UPI, Netbanking
  • 2.5% per transaction – Paylater and Cardless EMI
  • 3.5% + INR 7 – International Cards

4. Razorpay

Razorpay is among the top payment gateway providers in India. The company was founded in 2014 and now it has more than 800K customers who use Razorpay payment gateway.

The Bangalore-based emerging fintech company has received more than $200 million in funding to date.

The payment gateway allows you to accept payment via various types of methods such as credit/debit card, net-banking, UPI, and wallets. RazorpayX is the business banking arm of Razorpay that makes an end to end money movement easier. It’s a secured way for transactions.


  • Transaction fee – 2%
  • International cards, EMI and Amex – 3%
  • Annual maintenance charges – Zero
  • GST applicable of 18% on the transaction fee


  • Secure
  • Supports recurring payments
  • 24*7 support service

5. Paytm

the best payment gateway in India for small businesses. It is a leading payment gateway in the country by its popularity, accessibility, and services. This is made possible through a code known as PayTm QR code.

The leading e-commerce payment system PayTm offers local online services like Mobile recharges, utility bill payments, events booking, travel, and movie booking.

Paytm has made it possible to use in-store payments at grocery stores, fruits and vegetable shops, pharmacies, parking, and restaurants.


  • Setup Cost – Zero
  • Maintenance Charges – Zero
  • Paytm Wallet, Credit Card, Netbanking – 1.99%

6. CCAvenue

CCAvenue is another popular payment gateway that supports 200+ payment options including 6 Credit Cards, 58+ Net Banking, 97+ Debit Cards, 13 Prepaid Instruments, 15 Bank EMI. CCAvenue is one of the most popular payment gateways in South Asia including India. The payment gateway is easy to use, fast and secure.


  • ZERO initial setup fees
  • Rs 1200 is the annual maintenance fees
  • Transaction fee per transaction flat fee: 2% for domestic Credit & Debit Cards on Visa, Mastercard and Maestro RuPay, 2% for wallets—Freecharge, Mobiwik, OlaMoney,
  • iomoney, Paytm, PayZapp Jana Cash, SBI Buddy and mobile wallet, 2% for IMPS & UPI, 3% for International Credit Cards on Visa, Mastercard, American Express, JCB and Diners Club

7. PayUBiz

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.

PayUbiz is also one of the best payment gateway provider in India, allows merchants to collect payments online with all payment modes.

8. Atom (Payment Solutions)

Atom is also one of the fastest-growing payment gateways in India and more than 150,000 businesses leverage Atom payment gateway. The payment gateway has integrated with more than 50 banks and 256+ payments options that include credit cards, debit cards, IMPS etc.

It supports multi-currency system.

9. 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.

  • Setup cost: Zero
  • Annual Maintenance Charges: Zero. No hidden charges
  • Transaction Fee per Transaction:
  • Domestic: Flat 1.75% taxes as applicable

10. EBS

EBS is owned by France-based Ingenio group, which is a global leader in payment processing services. You will find mixed reviews for this payment gateway.

Some of the ProfitBooks customers are happily using it for the past 4-5 users but some reviews are really very negative. All I can say is that EBS has been around for a while and is considered a reliable payment gateway.

  • Setup Fee : From Rs.4799 to Rs. 23999 based on the plan
  • Annual Maintenance Fee: Rs.2400

Best Payment Gateways in India (FAQ):

What is Payment Gateway and how it works?

A Payment Gateway is an eCommerce application service provider service that authorizes 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)

Which is the best online payment gateway?

Razorpay has become one of the top payment gateways of India. This online payment gateway accepts payment from customers and automates payout to vendors and employees. Debit cards, credit cards, net banking, UPI, and wallets

Why is there a payment gateway fee?

These are charges to cover operating expenses, software maintenance, and technology upgradation cost). Some payment gateway providers also offer a range of fraud, risk prevention, and management services, and you may be required to pay more to avail these.

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