Top 10 Best Online Payment Gateways in India (2025)

In the ever-changing technological economy that is in India, selecting the best payment processor online is essential for all businesses. No matter if you're a small business an SME, or a large corporation efficient and secure payment processing increases customer confidence and converts. From the year 2025, India will provide a range of payment gateways that are top-performing and allow for a variety of payment options, including UPI credit/debit cards, internet banking wallets and EMI.

In this comprehensive guide, we review the best payment options online in India 2025 and compare prices, features as well as pros and cons to aid you in making an informed choice.

Also Read: 10 Best Dishwashers in India 2025

What is a Payment Gateway?

Payment gateways are a method which securely transfers payment data from the customers to the bank who is buying it. It functions like a link between the merchant's site/app and the bank, enabling transactions via digital channels.

Key Features to Look for in a Payment Gateway

Before you dive into the list Here are a few things to think about when selecting the best payment processor:

Ease of Integration

A reliable payment gateway must be able to seamlessly integrate with your e-commerce platform or website.

Multiple Payment Options

Support for UPI Credit debit and credit cards net banking, mobile wallets and EMI.

Transaction Fees

Know the transaction fees per transaction as well as monthly fees and any other hidden costs.

Security & Compliance

Check that the gateway is PCI-DSS certified and includes features such as tokenisation, fraud protection, and encryption.

User Experience

An experience that is frictionless for payment will result in less cart abandonment.

Settlement Speed

Verify how quickly money is transferred to your account.

Customer Support

Responsive support can be vital in times of downtime or problems.

Also Read: Top 50+ Small Business Ideas in 2025

Comparison of Top Online Payment Gateways in India (2025)

Payment Gateway	Setup Fee	Transaction Fee	UPI Support	Settlement Time	International Payments
Razorpay	Free	2%	Yes	T+2 Days	Yes
Paytm	Free	1.99%	Yes	T+1 Days	Limited
Cashfree	Free	1.9%	Yes	Same Day	Yes
Instamojo	Free	2% + ₹3	Yes	T+3 Days	Limited
CC Avenue	Free	2%+	Yes	T+2 Days	Yes
BillDesk	Custom	Custom	Yes	T+3 Days	Yes
PayU	Free	2%	Yes	T+2 Days	Yes
Stripe India	Free	2.9%	No	7 Days	Yes (excellent)
PhonePe	Free	Custom	Yes	Instant/T+1	Limited
Amazon Pay	Free	~2%	Yes	T+2 Days	Limited

1. Razorpay

User Rating: ⭐ 4.7/5 (Based on 15,000+ reviews)

Website: www.razorpay.com

Razorpay is among India's most popular and flexible payment gateways. It can support more than 100+ payment methods including UPI, internet banking, wallets, cards and E-money.

Key Features:

• Instant activation

• RazorpayX (neo bank + pay-management)

• Powerful APIs & dashboard

• Subscriptions and recurring payments

• Helps with international payments

Pricing:

• 2% in each transaction (domestic)

• 3% for international payments

• No set-up or maintenance fees

Pros:

• Quick onboarding

• Modern UI/UX

• Robust developer support

Cons:

• The fee is slightly higher for international cards.

2. Paytm Payment Gateway

User Rating: ⭐ 4.5/5 (Based on 12,000+ reviews)

Website: business.paytm.com

With the backing of Paytm, the gateway is highly regarded for its low rate of failure and UPI dominance. It is ideal for hyperlocal and online companies.

Key Features:

• UPI card, wallet, EMI, BNPL support

• Paytm Payments Bank integration

• Secure and flexible platform

• QR Code transactions

• High-brand trust

Pricing:

• 1.99% Per transaction, (stanard)

• Pricing for businesses that are custom

Pros:

• India's largest digital wallet base

• High success rate of transactions

• Easy integration

Cons:

• Support response is a bit slow for small-sized businesses

3. Cashfree Payments

User Rating: ⭐ 4.4/5 (Based on 8,000+ reviews)

Website: www.cashfree.com

A player that is growing in popularity offering quick settlements, Automated payments, and recurring payments.

Key Features:

• Settlements on the same day

• Instant refunds

• Auto collects for NEFT/IMPS

• Easy integration with WooCommerce, Shopify, etc.

• Global card support

Pricing:

• 1.91 % for domestic cards

• 2.9 % for international cards

Pros:

• Competitive Pricing

• Rapid settlement cycles

• Excellent Support team

Cons:

• UI could be enhanced

4. Instamojo

User Rating: ⭐ 4.3/5 (Based on 6,500+ reviews)

Website: www.instamojo.com

The best choice option for small-scale businesses, entrepreneurs freelancers and creators of content. Also, they offer landing pages as well as store options.

Key Features:

• No website site needed (payment links)

• Digital product delivery

• Subscription billing

• Small-business CRM tools.

Pricing:

• 2.5% + Rs3 per transaction

Pros:

• Very accessible to beginners

• Easy payment links

• Digital store builder is included

Cons:

• International payment support is limited.

5. CC Avenue

User Rating: ⭐ 4.2/5 (Based on 9,000+ reviews)

Website: www.ccavenue.com

One of India's most renowned and most reliable payment gateways that supports more than 200 payment options.

Key Features:

• Support for multi-currency

• Multiple languages and checkout pages for each language.

• PCI DSS is fully compliant

• EMI and tokenization of cards

Pricing:

• 2% for domestic transactions

• 3% plus for international payments

Pros:

• Trusted by major corporations

• Global payment support

• Powerful backend

Cons:

• Outdated dashboard UI

• Integration that is a little complex

6. BillDesk

User Rating: ⭐ 4.1/5 (Based on 7,500+ reviews)

Website: www.billdesk.com

It is favoured by banks, telecoms, utilities and the government sector. It is renowned for its security and reliability, as well as its high level of processing of transactions.

Key Features:

• Support for large volumes of transactions

• Secure framework

• Work well with enterprise systems

Price: Custom quote only

Pros:

• Industry-grade stability

• Custom solutions for companies

Cons:

• Not suitable for small-scale businesses or startups.

7. PayU (Formerly PayU Money)

User Rating: ⭐ 4.3/5 (Based on 11,000+ reviews)

Website: www.payu.in

A popular payment gateway that has high uptime as well as multiple integrations with ERP and CRM tools.

Key Features:

• Custom checkout interface for users

• Pre-approved EMIs

• Retry logic and smart routing

• Risk management dashboard

Pricing:

• 2% for domestic cards

• Custom pricing for large volumes

Pros:

• Scalable for enterprises

• Strong API & support

Cons:

• A little difficult to onboarding

8. Stripe India

User Rating: ⭐ 4.6/5 (Based on 14,000+ reviews globally)

Website: www.stripe.com

Stripe is a renowned global service and is accessible to users in India for international companies or entrepreneurs with cross-border requirements.

Key Features:

• Excellent developer tools

• Subscription and recurring billing

• The latest in fraud-detection technology (Radar)

• Checkout with your brand

Pricing:

• 2.95 % + Rs5 for each transaction (international)

• Support for domestic markets is limited.

Pros:

• Best-in-class API and documentation

• Global payment assistance

Cons:

• Not ideal for domestic-only businesses

9. PhonePe Payment Gateway

User Rating: ⭐ 4.4/5 (Based on 10,000+ reviews)

Website: www.phonepe.com

The most well-known UPI platform, which is now providing a payment gateway focusing on high UPI rates of success as well as instant settlements.

Key Features:

• UPI and cards

• Intent flow seamless UPI

• Very high UPI success rate

• Integrations into apps

Pricing:

• Custom pricing depending on volume

Pros:

• Traffic from UPI is high PhonePe app

• Easy to board

Cons:

• Limited support for legacy cards

10. Amazon Pay

User Rating: ⭐ 4.3/5 (Based on 8,500+ reviews)

Website: pay.amazon.in

Utilizes Amazon's trusted network, and provides faster checkout to Amazon customers. Great for e-commerce brands.

Key Features:

• Pay using an Amazon login

• Support for cards and wallets

• Great mobile experience

• Names that are trusted

Pricing:

• Around 2% per transaction

Pros:

• High trust factor

• Faster checkouts

Cons:

• Ideal for Amazon merchants and retailers.

How to Choose the Right Payment Gateway?

Factors to Consider:

• Business size and scale

• The type of payment (domestic or international)

• Settlement time

• Per transaction, fee

• Recurring/subscription billing needs

• Integration support (WooCommerce, Shopify, etc.)

• UPI optimization

• Customer support

Final Verdict: Best Payment Gateways in 2025

• Best Overall: Razorpay

• Best for Beginners/Freelancers: Instamojo

• Best for UPI-Heavy Businesses: PhonePe / Paytm

• Best for International Payments: Stripe India / Razorpay

• Best for Enterprises: BillDesk / CC Avenue

Conclusion

The market for online payment gateways in India 2025 is diverse, mature and quickly evolving. If you're starting a new business expanding your SaaS platform or selling products made by hand online, the best payment gateway can help your business with smooth transactions, improved conversion rates, and more confidence.

Frequently Asked Questions (FAQs)

Q1. What is the best online payment gateway in India for small businesses in 2025?

Answer: Razorpay and Instamojo are perfect for small-scale businesses starting by 2025. They provide easy integration with low costs and offer support for UPI and cards, wallets and EMI.

Q2. Which Indian payment service allows international transactions?

Answer: Razorpay, Stripe India, Cashfree, CC Avenue and PayU accept international payments. Stripe is the best option for global SaaS companies.

Q3. Which payment service has the fastest processing time in India?

Answer: Cashfree provides the same-day settlement. PhonePe as well as Paytm also provide quick settlements, usually within the T+1 days.

Q4. Is there any payment gateway in India with no setup fee?

Answer: Yes, many major gateways such as Razorpay, Cashfree, Paytm as well as Stripe India offer zero setup charges.

Q5. Which payment gateway is best for freelancers in India?

Answer: Instamojo is best for freelancers because it doesn't require payments, storefront and payment options and user-friendliness.

Q6. What are the average charges for transactions with Indian Payment gateways for 2025?

Ans: Transaction charges range between 1.9% to 2.9% based on the gateway used and the payment method (cards or UPI, wallets and international).