Top 11 Payment Gateways in India That Your Business Need to Know


In today’s digital age, having a seamless and secure payment gateway is crucial for businesses operating in India. With the rise of e-commerce and online transactions, customers expect convenient and hassle-free payment options. Therefore, selecting the right payment gateway is essential for any business looking to thrive in the Indian market. In this blog, we will explore the top 11 payment gateways in India that your business needs to know.

What Is a Payment Gateway?

A payment gateway is a technology or service that facilitates the secure and smooth transfer of payment information between a customer, merchant, and the financial institutions involved in a transaction. It acts as a bridge between the merchant’s website or application and the payment processor or acquiring bank, ensuring that sensitive payment data is transmitted securely.

How Payment Gateways Work for Online Business

Payment gateways play a crucial role in facilitating secure and smooth online transactions for businesses. Here’s a step-by-step overview of how payment gateways work for online businesses:


The online business integrates the payment gateway into its website or app. This typically involves incorporating the necessary code or using plugins provided by the payment gateway provider.

Customer selects products or services:

The customer visits the online business’s website or app and selects the desired products or services.

Checkout process:

When the customer proceeds to checkout, they are directed to the payment gateway’s secure payment page. This page can be hosted by the payment gateway provider or embedded within the online business’s website.

Payment information entry:

The customer enters their payment details, such as credit card information, debit card details, net banking credentials, or chooses an alternative payment method like digital wallets or UPI.

Encryption and security:

The payment gateway encrypts the customer’s payment information using secure encryption protocols, ensuring the data remains protected during transmission.

Data transmission:

The encrypted payment data is securely transmitted from the customer’s device to the payment gateway server.

Authorization request:

The payment gateway forwards the encrypted payment data to the payment processor or acquiring bank. The payment processor then sends an authorization request to the respective card network or bank associated with the customer’s payment method.

Transaction verification:

The card network or bank verifies the transaction details, performs security checks, and checks for available funds in the customer’s account.

Authorization response:

The card network or bank generates an authorization response indicating whether the transaction is approved or declined. This response is sent back to the payment processor.

Response relayed to the payment gateway:

The payment processor relays the authorization response to the payment gateway, which then relays it back to the online business’s website or app.

Transaction status display:

The online business’s website or app receives the response from the payment gateway and displays the transaction status (approved or declined) to the customer.

Completion of the transaction:

If the transaction is approved, the payment gateway and payment processor work together to transfer the funds from the customer’s account to the merchant’s account. The acquiring bank facilitates this fund transfer.

Confirmation and order fulfillment:

The payment gateway sends a confirmation message to the customer and the online business, indicating the successful completion of the transaction. The online business can then proceed with order fulfillment or service delivery.

Throughout the process, payment gateways employ robust security measures to protect customer payment data, including encryption, tokenization, and compliance with industry-standard security protocols.

Online businesses typically choose a payment gateway provider that suits their needs based on factors such as transaction fees, security features, supported payment methods, integration options, and customer support.

Top Payment Gateways in India

India has several trusted payment gateways that cater to the country’s growing e-commerce industry. Here are 12 popular payment gateways in India for secure online payments:

1. Paytm:

Paytm is one of the largest digital payment platforms in India, offering a range of payment options, including wallets, UPI, and cards. It provides a seamless checkout experience and supports various integrations.

2. Razorpay:

Razorpay is a popular payment gateway that caters to businesses of all sizes. It offers a simple integration process, supports multiple payment methods, and provides advanced security features.

3. Instamojo:

Instamojo is a versatile payment gateway that enables businesses to accept online payments through various channels, including websites, social media, and messaging apps. It offers customizable payment links and supports UPI, wallets, and cards.

4. PayU:

PayU is a leading payment gateway in India that offers a secure and reliable platform for online transactions. It supports multiple payment methods, provides advanced fraud prevention measures, and offers seamless integrations.


CCAvenue is a popular payment gateway that provides a comprehensive payment solution for businesses. It supports over 200 payment options, offers a customizable checkout page, and ensures secure transactions.

6. MobiKwik:

MobiKwik is a digital wallet and payment gateway that allows users to make online payments and money transfers. It offers a simple and quick payment process, supports multiple payment options, and provides cashback offers

7. BillDesk:

BillDesk is a widely used payment gateway in India that facilitates secure online payments for businesses. It offers various payment options, including cards, net banking, and UPI, and provides customizable payment pages.

8. Atom:

Atom is a payment gateway that caters to small and medium-sized businesses in India. It offers easy integration, supports multiple payment methods, and ensures secure transactions.

9. EBS (E-Billing Solutions):

EBS is a payment gateway that provides a secure and reliable platform for online transactions. It offers customizable payment options, supports various payment methods, and provides real-time transaction monitoring.

10. Cashfree:

Cashfree is a popular payment gateway that offers seamless payment solutions for businesses. It supports multiple payment modes, including UPI, cards, and wallets, and provides features like auto-retry and dynamic routing.

11. JusPay:

JusPay is a payment gateway that focuses on offering a smooth and frictionless payment experience. It provides quick integration, supports various payment methods, and ensures secure transactions.

12. HDFC Payment Gateway:

HDFC Payment Gateway is a trusted payment solution offered by HDFC Bank. It provides a secure platform for online transactions, supports multiple payment options, and offers comprehensive reporting and analytics.

When selecting a payment gateway, consider factors such as transaction fees, security features, customer support, ease of integration, and compatibility with your website or platform. Additionally, ensure that the payment gateway adheres to the necessary regulatory requirements and provides a seamless user experience.


Choosing the right payment gateway is a critical decision for any business operating in India. Each of the top 11 payment gateways mentioned above has its unique features and advantages. When selecting a payment gateway for your business, consider factors such as transaction fees, ease of integration, supported payment modes, security features, and customer support.

By research and understanding of the top payment gateways in India will help you make an informed decision that aligns with your business goals. By selecting the right payment gateway, you can provide your customers with a smooth and secure payment experience, ultimately driving customer satisfaction and boosting your business’s success in the Indian market.