6 Best List Of Top Payment Gateways In India

Here is the list of top payment gateways in India. E-commerce is one of the fastest-growing Business in India. whatever the Business maybe, One needs to set up an online payment system for an online Business. When it comes to online business, the Payment Gateway is the heart of Transactions.

There is a Number of Payment Gateway service providers in the market trying to be best. Even if you work as an individual, you must need any one of the payment gateways to accept money for your freelance work. Different Businesses Require different features in gateways while accepting payments. So it’s a bit hard to select the apt one.

If you are a freelancer, I suggest anyone of the Top Freelancing websites like Fiverr. So that you don’t need to use the payment gateways. Of course, freelancing websites take around 20% of your income. When you want to save those changes, you need to work individually, and you must use any one of these payment gateways to receive money from abroad.

Note: Because of Indian Government rules, Most of the below payment gateways do not allow the individual to receive money from abroad to India. If you want to receive money from abroad, you must have a company. If you are an individual or blogger, we suggest you directly use PayPal or Payoneer.

What is a Payment Gateway?

Completely new to Online Payment Things? The payment gateway is nothing but an E-commerce service that organizes and Process Credit/Debit/Paypal Transactions. This can be done by encrypting sensitive data to transfer data between the payment portal and the bank.

Even the Process is done within a few seconds, There are a number of steps involved in the Backend. Not having the Right Payment Gateways will result in Losing Sales.

Things to be considered while selecting a payment gateway:

  • Easy User Interface.
  • Easy Integration into websites and applications.
  • Must accept Multiple Payment Options such as Credit/Debit cards, Mobile wallets and so on.
  • Security
  • Trust.
  • Charges for Merchants.

So here are top Hand-Picked Payment Gateways For Indians, Works well in India.

Top payment gateways in India

1.Instamojo: Best Online payment gateway India


Instamojo is an Indian Full-stack transactional platform. Most of the startups and Business use Instamojo During their Initial days as the setup and maintenance was completely free.

The setup and usage are damn Simple. Just signup which is followed by Document verification. It does accept international payments for the individuals on the request basis.

Because of its plugins, you can easily integrate it on your websites. It supports many other WordPress plugins like Easy Digital Downloads to sell digital goods from your website to Indian clients.

One More, the user willing to pay using Instamojo needs to pay the transaction charges as well i.e 1.99%+0.27%.

Instamojo Features at a Glance

  • Payment Gateway.
  • Payment Links.
  • Smart Links.
  • Online Store.
  • Webhooks.
  • Embed the pay button.
  • App Store.
  • Plugins.
  • Supports Debit/Credit cards, Net banking, UPI, Wallets, and EMI.

You can receive INR500 as a gift if you receive the first payment after signing up through this special link.



Payumoney was first integrated by Ibibo in 2011. PayU India is the plant of Naspers Group, Which is a London Based Company worth $25Billion. Popular E-Commerce sites such as Jabong and Snapdeal are Integrated with PayU. It is available in some of the countries like Hungary, Poland, Russia and more. PayU is Included with a large number of payment options such as UPI, Cards, Netbanking, and wallets. It had 4 pricing Plans and the setup, Annual maintenance are completely for free.

After making 10lakh INR transactions, one can customize the transaction rates. The Entire process is secured with a 128 bit SSL Encryption and Two Factor Authentication.


cc avenue

CCAvenue is a well-known payment gateway in India which is used in 80% of the Online Transactions. It almost accepts 27 currencies and 6 types of credit cars and 13 ATM cards. It is included with more than 150+ payment options which are higher for any Indian payment gateway.

Moreover, the interface is integrated with the Multi-Lingual checkout page which can display the page in 18 Indian Languages.

Individuals can accept payment from India only. They are now allowed to accept payments from abroad. If you have registered your blog or website as a company, you can accept payment even from abroad.

The setup fee for a CCAvenue is completely free. However one needs to opt for any of its plans by keeping their usage stats in mind. There are two pricing plans and you can check on their pricing page.

CCAvenue Key Features

  • Over 98 Debit Cards.
  • Over 58 Net banking.
  • 6 Credit Cards
  • 13 ATM cards
  • 13 Prepaid Instruments.
  • 15 Bank EMI.

4.Citrus Pay


Citruspay is grabbing the attention next to CC Avenue. It was started by Satyen Kothari and Jitendra Gupta Just to Simplify the Online Payment System. Emirates, PVR Cinemas, Healthkart, Lenskart are some of the notable services integrated with Citrus Pay.

It accepts all cards including credit but with some Limitations. International cards can only be billed with USD instead of INR. After a long documentation process, one can use citrus pay by opting for any of the available pricing packages.



PayPal is an International Payment Gateway. It is Really Getting Big In India. Paypal is almost serving 173 Million Customers per day as one gets easily engaged with features like Multi-Currency Support system, International Payments, Credit card support and more.

Bookmyshow, Yatra, Bharat Matrimony are some of the services using PayPal.

Creating a PayPal account free with simple document verification. For now, Indians can receive the funds with a commission of 4.4% for a successful transaction excluding the currency conversion charges. Yes, Its a bit costly. Application for all platforms is available.

Getting payment from Indians through PayPal is not recommended. When you want to receive funds from abroad to India, it will ask them to signup for PayPal. Though it has credit or debit card options, your foreign clients cannot pay using them.



Payoneer is one of the best payment gateways for Indians who want to receive funds from abroad. You can generate the invoice for your freelance work which can be paid by using a Credit or debit card. But your foreign clients must signup to Payoneer account to pay for your invoice.

Payoneer will give you local bank details from the USA, Europe, UK, China, Japan, Australia and getting more. That means your clients can do a direct deposits from those countries.

It is getting supported by many companies like Amazon, Microsoft, etc., It is a must-have service for any blogger or business.

When you make the first $1000 transactions, you will receive $25 as a bonus.

Conclusion: Which Payment gateway should I use in India?

A proper payment Gateway is mandatory for all online Businesses. However, Knowing the pulse of customers you need to opt for a payment gateway regarding your needs. Let me make it much simple, A PayPal gateway doesn’t work well with the local online Business and at the same time, Temporary Online Business generally uses Instamojo For instant Payment Services. I hope you got the difference in selecting a Good payment gateway for your Business. without a hassle.

When you are in India and want to receive payment from Abroad, go with PayPal or Payoneer. When you want to receive payment from India, go with Instamojo.

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