TOP 10 BEST PAYMENT GATEWAY IN INDIA (2020)

1, Razorpay Payment gateway

Join the 8,00,000+ businesses using Razorpay
We make it easier for you to focus on building great products while we work on simplifying your payments. Become one of us by joining thousands of our happy users and simplify the online payment experience for your customers.

Focus on your business while we handle the complexities of payments for you.

Accept payments from customers. Automate payouts to vendors & employees. Never run out of working capital.

Simple and Transparent Pricing

Transaction fee for Payment Gateway
2% per transaction – Indian Credit Cards, Indian Debit Cards, Net Banking from 58 Banks, UPI, Wallets including Freecharge, Mobikwik etc.

3% per transaction – Diners and Amex Cards, International Cards, EMI

One-Time Setup Fee ₹ 0.00 – No setup fee

Annual Maintenance Fee ₹ 0.00 – No maintenance fee

• FEATURES INCLUDING
• Email, Chat and Call Support Available
• Completely online, paper-less activation
• Checkout JS, Developer APIs, Mobile SDKs, Payment Gateway Dashboard, Flash Checkout, International Payments and tons of amazing new features that we are building.

2, Paykun Payment Gateway

Best Payment Gateway | Online Payment Solutions India | PayKun‎

Most Trusted Payment Gateway of India

With Easy integration, Fast Settlement, 120+ Payment options, Rs.0 Setup fees and No paper work.

Lowest TDR @1.75%

Flat 1.75% Payment Gateway Charges

No setup fee, No maintenance fee, No any hidden charges. Customize your pricing according to your business needs.

Especially designed for small and medium enterprise

• Transaction Fee – 1.75% per transactions

Indian Debit Cards, Net Bankings, UPIs, Wallets including Freecharge, Mobikwik etc.

2% per transactions

Indian Credit Cards & PayTM Wallet

3% per transactions on

International Credit Cards, Diners, Amex Cards and JCB

*GST is applicable on fees

• Zero Setup fee
• Zero Maintenance fee
• Features :
  Support via Call, Email and Chat available.
  Go online within few hours, No paperwork required
  FREE integration kit with all major APIs and SDKs, Flash checkout, accept international payments with ease

3, PayU Payment Gateway

COLLECT OMNI-CHANNEL PAYMENTS

With PayU, you can accept online payments from across all channels and devices, through a single processing platform. You can collect payments on any website, mobile app, tablet or using any social app. While there are many channels of payment acceptance, all your transactions reconcile in one easy-to-use location — the PayU payment gateway.

Also, you can share PayU payment link (earlier known as PayUmoney payment links) with your customers and collect payments via WhatsApp, Facebook, Email or SMS.

OTHER FEATURES:-
Go live within minutes: Why wait for hours when you can get started within minutes. We have designed our account activation process to enable you to start accepting payments in less than 5 minutes
Get settlement in your preferred bank account: No need to open a new bank account for collecting online payments. By providing your bank account number and IFSC code you can link any existing Savings or Current account and receive payments in your preferred bank.

100+ Payment Options:

• UPI: PayU provides UPI payment mode as a default checkout option so that customers don’t have to share sensitive bank information to complete a transaction.
• Cards: Accept debit and credit cards from all card associations. User can save their card details to get a seamless experience when they visit your website/App next time.
• Netbanking: Empower your users to pay through 50+ netbanking options from various banks.
• Wallets: PayU gives your customers freedom to pay with their favorite digital wallet.

NOT ONLY A PAYMENT GATEWAY

1. Payouts- Disburse immediate bulk payments to anyone, anytime using NEFT, IMPS or UPI.
2. Subscriptions- Create, collect and manage recurring payments from your customers, effortlessly.
3. International Payments Acceptance Accept payments in 100+ foreign currencies.
4. Payment Links Accept payments by sharing PayU Payment Links (earlier known as PayUmoney Payment Links) via msg, email, Whatsapp
5. Payment Buttons You can add a Payments Button (earlier known as PayUmoney Button) on your Website or Blog and start collecting payments in no time!
6. Excel Plugins Collect payments easily by sending payment links via PayU Excel Plugin (earlier known as PayUmoney Excel Plugin). You can send multiple links in one go. Integrate Excel Plugin your own business excel sheet or create a new one.

Customer pays you: ₹100 (Domestic transaction) PayUmoney service fee: 2% of ₹100 = ₹ 2. GST: 18% of ₹ 2 = ₹ 0.36. Amount paid out to your bank account: 100 – (2 + 0.36) = ₹ 97.64.

4, Cashfree Payment Gateway

Cashfree – Payment Gateway & Payouts for India

A Complete Payments Toolkit for India

The fastest and easiest way to collect and disburse payments for growing businesses.

Instant Refund
-For online payments and cash on delivery payments. Independent of banking hours.

On-demand Payouts
-Disburse bulk payments instantly. Simpler and faster than banks.

Bank Account Verification
-Know your customer: Verify bank account and holder name instantly before sending money.

Recurring Payments
-Unlock business opportunities with subscriptions.

Payment Gateway
-Collect local and international payments with a simple integration. Receive money within 2 days.

Payouts
-Send money to any bank account, UPI address or Paytm wallet by uploading a file or via an API.

Auto Collect
-Automatically track customer payments with virtual bank accounts. No more manual reconciliation.

Marketplace Settlements
-Automatically split commissions with your vendors after every purchase. Run a marketplace with ease.

Payment Modes includes:-
1.95% – per transaction
Visa,Mastercard,Maestro,RuPay,GooglePay,UPI,Amazonpay,Phonepe,ICICI,Net Banking

Paylater & Cardless EMI:-
2.5% – per transaction

E-paylater,Olamoney,HSBC,ICICI,Flexmoney,Zest Money,Yes Bank,Kotak,HDFC

International Cards:-
3.5% + ₹ 7 – per transaction

Visa,Mastercard

Standard payment gateway charges applicable
Paypal,Paytm
2.95% – per transaction
Diners Club,American Express

*Payment gateway charges include MDR/TDR and platform fee

5, Instamojo Payment Gateway

Everything Your Business Needs

Collect payments, create free online stores,ship products, get loans and more to power your business.

Start, Manage, And Grow Your Business With Instamojo,Just Like 1 Million Plus Indian Businesses

Instamojo is India’s largest on-demand payments and ecommerce platform that empowers over 1,200,000 micro-entrepreneurs, startups, MSMEs, to start, manage, and grow their business online across mobile and web, with just a bank account and phone number, in a few minutes.

Start Your Business

• Payments
• Online Store
• Domains
• Emails

Manage Your Business

Manage online payments, orders, inventory, customer data, and more, from a single dashboard. Track payments, shipments, and leads, on mobile and desktop.

• Payouts
• Shipping
• CRM
• Analytics

Grow Your Business

Get cash flow loans, access growth and marketing tools, use several free online business solutions, to grow your revenue and customer base.

• Capital
• App Store
• Reseller
• Learning

Simple & Transparent Pricing

NEFT/ RTGS/ Bank Transfer – FREE For all transactions

UPI,Debit Cards/Credit Cards,Netbanking,Pay Later,Wallets – 2% + ₹3 Per transaction excl. GST

International Cards,American Express Cards – 3% + ₹3 Per transaction excl. GST

6, CCAvenue Payment Gateway

CCAvenue Rs 0 Setup Fee – Offers 100+ Payment Options

Start your online business within an hour at Zero cost

Complete Payments Solution
Accept payments through multiple channels

Best Success Rates
Switch transactions dynamically, recapture abandoned transactions & retry failures

CCAvenue F.R.I.S.K
State-of-art Fraud & Risk Identification System & Knowledge Base

Easy Integration & Customization
Integrate easily and customize your look-n- feel to create a truly branded experience

Fully Responsive Transaction Page
Built to adapt to any device for an optimal transacting experience

Simple Pricing, No Surprises

All MasterCard, Visa & Rupay Credit Cards (Domestic)
14+ Credit Card EMI options
SBI / ICICI / HDFC / Axis / Kotak / IndusInd / HSBC
/ Central Bank of India / Standard Chartered Bank
/ Corporation Bank / Ratnakar bank / YES Bank / IDBI Bank
/ Bank of Baroda
100+ Debit Cards (Domestic)
MasterCard / Visa / Maestro
58+ Netbanking
10+ Prepaid Cards / Wallets
Paytm / MobiKwik / JioMoney / PayZapp /
Freecharge / The Mobile Wallet
ITZCash / ICash / Oxicash / PayCash

2.00% *

Rupay Debit Cards – 0.00% *
UPI Payments – 0.00% *

MasterCard & Visa Credit / Debit Cards (International) – 3.00% *
Corporate / Commercial Credit Cards (Domestic) – 3.00% *
American Express / Amex EMI & Diners Club – 4.00% *
27 Multi-currency options – 4.99% *

ANNUAL SOFTWARE UPGRADATION CHARGES(A.S.U.C) *** – INR 1200* (Waived for 1st Financial Year from the date of Activation)

6, Atom Payment Gateway

Overview

atom’s online payment gateway platform offers you various solutions for processing transactions. Our Payment Gateway is integrated with 50+ banks and 256+ payment options offering transaction through all major Credit Cards, Debit Cards, IMPS etc. Its robust set of capabilities is devised to aid both start-ups and the longest running businesses to grow revenue, alleviate risk and safeguard customer’s data. Our bulletproof online security backed with PCI DSS version 3.2 and 256-bit encryption ensures safe transaction.

265+ payment options are available

Debit/Credit Cards
Accept payments from all major credit and debit card networks like Visa, MasterCard, American Express and RuPay.

Net Banking
Banks including SBI, ICICI Bank, HDFC Bank, Axis Bank, Kotak Bank, Yes Bank etc. can be used for online transactions. The bank page opens in a pop-up window so your customers can easily come back to your website.

UPI
Unified Payment Interface is system that powers multiple bank accounts into a single application, merging several bank features, seamless fund routing and merchant payments into one hood.

Challan
Challan is a payment mode to make online transactions and then paying for it offline at a branch. Customer can make payment at any Bank Branch pan India saving time and money.

NEFT/RTGS
This electronic fund transfer system allows the money sent by the remitter to immediately reach the payee/beneficiary as and when the money transfer transaction is initiated.

ePayLater
ePayLater option offers short term credit to buy product/services hassle free. The buyer can pay for the product/services purchased at later period as per convenience.

EMI
atom provides multi bank credit card EMI which gives your customer the ease of payment in instalments and also empowers merchants to sell higher value products.

Bharat QR
Customers simply need to scan the QR code and enter the transaction amount. The amount gets transferred directly from the customer’s bank account to the merchant’s bank account.

Wallet
Paynetz gives your customers freedom to pay with their favorite digital wallet. Atom gives you 10+ wallet options.

Google Pay
Using Google Pay, users can also send or receive payments instantly to anyone nearby without needing to share personal details, like bank account information or even phone numbers.

PayPal
Transfer money online in seconds with PayPal money transfer. All you need is an email address.

Link Based
Easy to use, link based payments allow merchants to request payments by generating and sending payment links to their customers over WhatsApp or SMS.

Simple Pricing with No hidden charges!

• Credit Cards (Domestic) – 1.99% + ₹ 3
• Debit Cards – 0.9%
• Net Banking – 1.99% + ₹ 3
• Wallets – 2.2%
• Major Bank’s EMI Options – Available on request
• Bank’s IMPS – 1.80%
• American Express EMI, JCB & Diners Club – 3.95%
• Credit Cards (International) – 3.95%

Annual Software Upgradation Charges – ₹ 5000

Integration Charges – ₹ 10000
one time

7, Paytm Payment Gateway

The Payment Gateway for your Business

Accept Payments in your Mobile App or Website with Paytm Payment Gateway

Accept Every Payment
Get paid using UPI, Debit/ Credit Cards, Net Banking, Paytm Wallet and EMI

Fast Bank Settlements
Get your money in your bank account when you want instantly*

Secure Payments
Anti-Fraud Technology to keep you safe PCI-DSS compliant with 128-bit encryption.

Industry-High Success Rate
Intelligent routing using direct bank integrations. Plus, dynamic switching between gateways & card network

Checkout with Saved Cards
Leverage India’s largest repository of 110 million saved cards for faster payments

Business Growth Insights
Powerful dashboard to view payment received, bank settlements and more

Start Accepting Payments for FREE!
No setup fee. No recurring fee.

Payment Instrument	Merchant Discount Rate (MDR)	Monthly Acceptance Limit
UPI	0.00%	Unlimited
Paytm Payment Bank	1.99% + GST	Unlimited
Paytm Wallet	1.99% + GST	Unlimited
Credit Card*	1.99% + GST	Unlimited
Debit Card* Rupay Card	0.00%	Unlimited
Debit Card*	0.4% + GST for transaction amount <= 2000	Unlimited
	0.9% + GST for transaction amount > 2000
QR	0.00%	Unlimited

8, EBS Payment Gateway

Ingenico ePayments India Private Limited from a merchant’s website and helps them to collect payment from the end customers through net banking, credit and debit cards etc. It is an intermediary that assembles the online payment options offered by various banks, cash card brands and many other payment processors onto a single platform with minimum technical integration with merchant website. Ingenico ePayments India Private Limited the first Indian merchant account provider to achieve the PCI DSS 3.0 standards of compliance. It is also certified by security and process adherence followed and audited by ISO 27001- 2013 standard. This achievement makes Ingenico ePayments India Private Limited one of the most secured online service providers in the world.

For International Payments acceptance, kindly drop an email to sales@ebs.in
Annual Maintenance (AMC) of Rs. 1200 will be applicable from the 2nd year and 1st year AMC will be waived off
No extra charges for EMI’s of Axis Bank, Kotak Bank, HDFC Bank; For all other Banks an additional TDR of 0.3% is applicable.
UPI payment option will be launched soon
₹ 7 per transaction would be charged on International cards transactions towards advanced fraud management services
Taxes as applicable
All above payment options are subject to bank approval

Pricing

PRICING PLANS	STARTER	PREMIUM
Transaction Rates (TDR)	NIL	ON REQUEST
Domestic Credit Cards(Visa, MasterCard)	2.00%	Write to us for a plan tailor-made for your business needs
Domestic Debit Cards(Visa, MasterCard, RuPay, Maestro)	2.00%
Net Banking(40+ Banks)	2.00%
Amex, ezeClick, JCB, Diners, Wallets, Cash cards	3.00%

9, Easebuzz Payment Gateway

Enhanced software platform building fintech APIs

Payment Link

Payment Gateway

Web Store

EasyCollect

Smart Billings

Developer Friendly Platform

We work on building APIs which helps you to integrate any of our products into your B2B software or web-portal. We work with freelancers, software developers, ERP players, CRM companies to empower them with financial services and products that can be white labelled and included into their own tech-stack

Micro – Start-ups, Small and Medium sector

Debit Cards	1.5% per transaction
Credit Cards	2% per transaction
Netbanking	2% per transaction
Wallets/Cash Cards	2% per transaction
Ola post paid	2% per transaction
UPI	1% per transaction

Enterprise and Large Organization

Debit Cards	1.2% per transaction
Credit Cards	1.9% per transaction
Netbanking	1.9% per transaction
Wallets/Cash Cards	1.9% per transaction
Ola post paid	2% per transaction
UPI	0.75% per transaction

Education

Debit Cards	1.2% per transaction
Credit Cards	1.5 per transaction
Netbanking	Rs.25
Wallets/Cash Cards	1.9 per transaction
Ola post paid	2.0 per transaction
UPI	Rs.25

10, MobiKwik Payment Gateway

India’s most reliable Payment Solution

Why use MobiKwik PG

Diverse payment options: Your customers can transact without navigating to another page. The MobiKwik Payment Gateway supports all major credit and debit cards, 50+ Netbanking portals, and popular e-Wallets all on one screen!
Mobile friendly: MobiKwik Payment Gateway works faultlessly across mobile devices regardless of the OS, hardware or the screen size.

Auto read OTP: MobiKwik’s feather light Android SDK is one of the lightest payment SDKs in the market. It automatically detects and fills the OTP. No more manual typing for each transaction!

Best conversion rate: Dramatically reduce the quantum of failed transactions across your platform with our fail-safe payment gateway.

Saved card: MobiKwik Payment Gateway taps into India’s largest saved cards store. Gift your customers an absolutely seamless checkout experience.

Affordable Pricing

Payment Type	Small Business/Start-Ups	Enterprise
Credit Card, Debit Card, Net Banking, UPI, Wallets*	1.90% Per Transaction	Custom
International Credit Card, EMI, AMEX, Diners*	2.90% Per Transaction	Custom
Setup & Maintenance Charges		Email us at: pg.partner@mobikwik.com