10 Best Payment Gateways in India for Online Transaction 2021

10 Best Payment Gateways in India for Online Transaction

Best Payment Gateways, Hello & Welcome Readers in today’s post we will talk about the 10 Best Payment Gateways in India for Online Transaction, It can be tricky to find the best Indian payment gateway when there are so many options available. So here’s the complete guide to finding the top payment gateways in India.

If you are Looking for Indian payment gateways options? Confused about which payment gateway is best in India?Here is the list of best Payment gateway provider in India used by website or mobile phone during the online transactions.

10 Best Payment Gateways in India 2021

Here are some of the popular and hand-picked Best Payment Gateways in India.

1. 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

2. Bill Desk

The payment gateway is trusted by reputed brands like Indian Airlines, Airtel, Vodafone, India Today, Reader’s Digest, and more. You can join these brands in offering an excellent payment experience to the customers if you are Magento 2 store owner by integrating Meetanshi’s Magento 2 Billdesk Payment extension and collect recurring payments.

The Billdesk payment gateway allows customers to pay bills such as telephone, electricity, credit card, ISP, phones, insurance, gas, etc. BillDesk simply offers bill presentment, payment, and management along with online and offline payment through net banking, NEFT, MyCard, etc.


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

3. 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%

4. 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

5. PayPalBest Payment Gateways In India

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 transaction 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.


  • No maintenance Charge
  • Transaction fee – 4.40% + Fixed Fee
  • Fee-based on currency received – varies for a different currency.

6. 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

7. Instamojo

Instamojo designed for Indian online payment solutions, built for SMEs and indeed a new age Payment Gateway at the core. The company also offers online store, payment links, easiest Payment Gateway and platform to manage and grow your online business.

It is a suitable payment gateway for all sizes of businesses to easily accept payments from their customers.


  • Annual Maintenance Charge – Zero
  • Setup Fee – Zero
  • Per transaction fee – 2% + INR 3 (Excluding GST)
  • International Cards and American Express Cards – 3% + INR 3

8. PayUBizBest Payment Gateway in India

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.

9. 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.


  • Merchant console
  • Website and application integration
  • High security
  • Invoice generation is available

10. PayKun

PayKun has been included amongst the best payment gateway provider in India. It supports 120+ payment options to make an online payment. There are numerous happy merchants registered and live today who have developed their business with the help of PayKun.

The customers will get multiple payment options to make a payment on the PayKun checkout.


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

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