Best Payment Gateways in India 2026: Top 11 Options Compared

What are the key features of PayU?

• Accepts payments from 150+ payment methods including international card networks like Amex and Diners
• Offers subscription billing, tokenized checkout flows, instant refunds and smart routing for high success rates

What are the pros and cons of PayU?

What are the key features of Easebuzz?

• Supports 150+ payment modes including UPI, cards, wallets and net banking with smart routing
• Offers split payment (Slices) for marketplace vendor settlements and EasyCollect for recurring billing
• Provides iFrame checkout with multilingual support and discount coupon management

What are the pros and cons of Easebuzz?

What are the key features of Razorpay?

• Standard platform fee starts at 2% per transaction with 18% GST on the fee amount
• Shopify, WooCommerce and Magento plugins available for quick store integration
• Offers payment links, QR codes and recurring billing through UPI AutoPay for subscription businesses

What are the pros and cons of Razorpay?

What are the key features of Cashfree Payments?

• The standard settlement cycle is T+2. Instant settlement (within 15 minutes) is available for qualifying merchants as an optional feature.
• Supports 180+ payment modes including UPI, cards, wallets, BNPL and net banking.
• Provides bulk payout infrastructure for instant vendor disbursements and automated reconciliation.

What are the pros and cons of Cashfree Payments?

What are the key features of CCAvenue?

• Supports 200+ payment options and accepts payments in 27 international currencies
• Offers checkout pages in 18 languages for multilingual buyer experiences across India
• Uses the F.R.I.S.K. engine for AI-driven fraud protection and dynamic payment routing

What are the pros and cons of CCAvenue?

What are the key features of Paytm Payment Gateway?

• UPI transactions at 0% MDR with credit card fees at 1.99% plus GST for SMBs
• Native Paytm Wallet integration with quick plugin setup for Shopify and WooCommerce stores
• Supports EMI, BNPL and net banking with dedicated enterprise pricing for high-volume merchants
• Offers QR code, POS integration and in-store payment acceptance alongside the online gateway

What are the pros and cons of Paytm Payment Gateway?

What are the key features of PhonePe Payment Gateway?

• Strong UPI routing with high success rates and Quick Checkout for saved payment flows
• Supports AutoPay for subscription billing with variable amounts for each billing cycle
• Pay on Delivery feature enables digital payments at the doorstep for COD orders

What are the pros and cons of PhonePe Payment Gateway?

What are the key features of Instamojo?

• Collects payments via shareable links, embed buttons, invoices and an integrated online store builder
• Offers convenience fee pass-through so merchants can shift transaction charges to the buyer

What are the pros and cons of Instamojo?

What are the key features of Stripe India?

• Supports 135+ currencies with automatic currency conversion for cross-border transactions
• Offers advanced developer APIs, webhooks and client libraries for custom payment integrations
• Provides subscription billing, invoicing, fraud detection and Connect for marketplace payouts

What are the pros and cons of Stripe India?

What are the key features of BillDesk?

• Powers the Bharat BillPay System for standardized bill payments across India with direct bank connectivity
• Supports subscription billing and recurring payments via cards, eNACH and UPI AutoPay

What are the pros and cons of BillDesk?

What are the key features of NTT DATA Payment Services?

• Accepts payments through mobile, IVR, internet and POS channels for multi-touchpoint businesses
• Supports all major debit cards, credit cards, UPI and net banking with PCI DSS compliance

What are the pros and cons of NTT DATA Payment Services?

• Standard gateways do not score or manage RTO risk on COD orders at the checkout stage.
• No pre-filled address data means longer form completion and measurably higher checkout drop-off.
• COD-to-prepaid conversion requires active incentive logic that no standard gateway provides.
• Abandoned cart recovery on WhatsApp requires a separate tool with no native gateway connection.

• Multi-Gateway Orchestration: Kwik Checkout integrates with multiple payment gateways like Razorpay, Cashfree and PayU to make sure your transactions do not fail. If one gateway faces downtime, the system automatically routes the payment to another active provider without your team doing anything.
• The Network Effect: Kwik Checkout recognizes over 200 million shoppers across the GoKwik network and auto-fills their addresses. This removes the friction of manual data entry and skips the tedious parts of the checkout process for returning visitors.
• Smart Routing: The platform allows brands to choose which payment options to display at the checkout step. It applies targeted interventions to nudge COD-intent buyers toward prepaid payment modes and improve cash flow.
• Reduced Friction: Kwik Checkout handles address entry and authentication. The payment gateway is called only for the final confirmed transaction.

• One-Tap SSO Login for Instant Checkout Entry: Kwik Checkout gives every returning shopper a one-tap Single Sign-On login using mobile number, WhatsApp or Truecaller, eliminating the account creation step. Shoppers on the GoKwik network of 200M+ users skip the login barrier and reach the payment screen in seconds, which directly reduces drop-off at the first checkout touchpoint.
• Pre-filled Checkout for Returning Shoppers: Kwik Checkout auto-fills verified address and payment details for over 85% of returning buyers across the GoKwik network, fetching the two most recent addresses for quick selection. This removes the biggest friction point at the final purchase step and reduces checkout drop-off significantly for every returning visitor on every session.
• RTO Intelligence with 70+ Real-Time Interventions: GoKwik's machine learning model scores every COD order for return-to-origin risk before the platform confirms it, drawing from behavioral signals, pincode data and order history. With over 70 active interventions available, high-risk orders are flagged, nudged toward prepaid or routed through additional verification in real time, protecting brand margins from fake and undeliverable orders.
• COD-to-Prepaid Conversion with Intelligent Incentivization: Kwik Checkout displays instant prepaid discount offers directly on the payment screen when a shopper arrives with COD intent, turning the payment step into an active conversion moment. Brands using this feature see measurable lifts in prepaid share, which improves cash flow, cuts reverse logistics costs and reduces RTO exposure simultaneously across every order processed.
• Widest Range of Discounts and Offer Capabilities: GoKwik offers over 250 ecommerce discount use cases through Kwik Checkout, covering tiered discounts, cohort-based offers, UTM-based promotions and bulk discount templates. Brands also unlock GoKwik-exclusive cashbacks and offers from Paytm, CRED, Amazon Pay and leading bank card programs, giving shoppers more reasons to complete prepaid orders at the payment step.
• Smart Checkout and Payment Experience: Kwik Checkout integrates natively with licensed payment aggregators. This helps us support UPI, cards, wallets, BNPL, net banking, EMI, CRED Pay, Snapmint and Cash on Delivery within a single branded interface with no third-party redirect. The checkout renders as part of the brand's own storefront, maintains a 95% payment success rate and prioritizes T+1 settlements, so brands receive funds the following business day at no additional fee.
• Kwik Flows A/B Testing for Checkout Optimization: Brands use Kwik Flows to run controlled A/B tests across payment UIs, COD fee configurations, prepaid nudge formats and blocking rules, measuring the impact of each variation on conversion rate and prepaid share. This moves checkout optimization from guesswork to a data-backed process, letting brands identify the highest-performing checkout configuration for their specific audience and product category.
• WhatsApp Cart Recovery via Kwik Engage: Shoppers who abandon checkout receive automated, personalized WhatsApp recovery messages through Kwik Engage within minutes of leaving the store. Multi-step recovery flows with optional discount triggers run automatically, converting sessions that would otherwise close with no revenue.