Top 10 Payment Gateways in India in 2022


Choosing the right payment gateway is a crucial decision for any Indian business. A payment gateway is a service that allows businesses to accept payments online. It is a secure platform that encrypts sensitive information, such as credit card numbers, to protect both the customer and the business. 

There are many factors to consider when choosing a payment gateway, such as fees, ease of use, security, and compatibility with your existing website and shopping cart. To help you make the best decision for your business, we have compiled a list of the top 10 payment gateways for Indian businesses.

Keep reading to learn more about the best payment gateways for Indian businesses!

What is a Payment Gateway?

Firstly for E-commerce Businesses, a payment gateway is an online payment service/software that makes transactions in one place. A payment gateway is a software that makes an online payment more secure and streamlined. Payment Gateway service automates the payment transaction between the buyer and seller.

List Of Best Indian Payment Gateways

  1. Razorpay
  2. CCAvenue
  3. PayGlocal
  4. DirectPay
  5. CashFree
  6. AirPay
  7. PayU
  8. Instamojo
  9. MobiKwik
  10. JusPay

Top 10 Payment Gateways in India

1. Razorpay

Razorpay is an Indian fintech firm created in 2013 by Harshil Mathur and Shashank Kumar. Razorpay is India's top online payment gateway, allowing businesses to accept, process, and distribute payments online, similar to a digital payment procedure. It supports all payment options, including credit card, debit card, net banking, UPI, and popular wallets like Airtel Money, FreeCharge, JioMoney, PayUmoney, Ola Money, Mobikwik, and PayZapp.

Key Features:

  • Razorpay is Integrated with Security compliances.
  • Razorpay offers easy integration with easy understanding.
  • It offers 100+ online payment modes
  • Razorpay provides an email feature to know the user's transaction status.
  • Dashboard Reporting
  • Simple Pricing

2. CCAvenue

CCAvenue, launched in 2001, is one of the top five online payment gateways authorized by Indian banking institutions. Credit cards, debit cards, online banking, and ATM cards are all accepted. CCAvenue also provides a secure link in the transaction between websites, institutions, and banks. If you want to offer customers in significant worldwide markets outside of India, CCAvenue may be the payment gateway for you.

Key Features:

  • CCAvenue provides a multilingual checkout page in 18 major Indian and international languages that would widen your customer base across the globe.
  • CCAvenue provides 27 major multi-currency transactions.
  • It supports multiple payment modes including credit/debit cards, UPI, wallets, etc. 
  • CCAvenue Checkout feature that makes repeated payments easier.

3. PayGlocal

PayGlocal is a FinTech solution for global payments acceptance. PayGlocal enables merchants to accept and collect payments from global customers in the currency of their choice and using their own credit and debit cards.

Key Features:

  • One-stop Payment Solution
  • Smooth Payment experience
  • Low Transaction Risk
  • Enterprise-grade security

4. DirecPay

DirecPay is one of the first Indian payment solutions providing a credit card payment gateway integrated with Debit Cards, Net Banking & Mobile payments along with a fast, reliable, and secure passage for processing eCommerce payments. With some of the lowest fees in the market, DirecPay has some distinct advantages to drive your online business in India.

Key Features:

  • Provide a smooth checkout experience.
  • Facilitates credit card acceptance through the PMS.
  • Make payment collection convenient & faster.
  • Avoid the hassles of bank transfers.

5. Cashfree

Cashfree is an Indian online payment gateway that facilitates money transfers between clients and vendors. It is utilized for payment by over 50,000 businesses in India. Cashfree enables rapid refunds and is one of the leading API banking systems in India. As a result, firms may easily integrate items and transact money.

Key Features:

  • Payment Fraud Prevention
  • Multiple Payment Options
  • Dashboard Reporting and Analytics
  • Debit/Credit Card Processing
  • Payment Processing Services Integration

6. AirPay

AirPay is a new payment system that is the first and only in the region. AirPay payments are literally made by air, which is an exclusive solution in the payment and settlement industry.

When using AirPay, you do not need to submit your banking card to the salesman, enter a PIN code, or scan the QR code. Payments can be made with a few taps on your phone.

Key Features:

  • AirPay payment method is the only one in the region.
  • It is considered to be the safest payment method in the payment and settlement field.
  • AirPay makes it possible to send and receive money in one moment.
  • Payment with AirPay excludes communication and cash circulation.

7. PayU

PayU has helped over 450,000 businesses. This is a process-oriented financial company that is also a global consumer internet conglomerate and one of the world's largest technology investors. This payment gateway began in the Netherlands and expanded to include a Payu India branch in 2014. Jose Velez, Martin Schrimpff, Arjan Bakker, Grzegorz Brochocki, Nitin Gupta, and Shailaz Nag are the founders of the same.

Key Features:

  • Payu accepts various payment modes such as credit/debit cards, Netbanking, UPIs, wallets, EMIs, etc.
  • Along with accepting international payments, it even has multi-currency support. 
  • The platform can be easily integrated with different platforms for easy payment.
  • They allow customization as per your brand.

8. Instamojo

Instamojo is one of the most comprehensive full-stack SME platforms. Instamojo is the simplest way to start an online business, with functional online stores, built-in payments, marketing tools, and more. Instamojo provides online storefronts and online payment solutions to over 15 million Indian small companies.

Key Features:

  • It offers a trial account to give a glimpse of its features with limits on payment transactions.
  • Instamojo which supports multiple modes of payment such as Debit / Credit cards, UPIs, Netbanking, wallets, and NEFT/ IMPs also supports international card payments.
  • You can easily embed a pay button on your site with Instamojo.

9. MobiKwik

Mobikwik (previously Zaakpay) Payment Gateway is a popular solution for online credit, debit card, and internet banking transaction processing. They promise to be able to set up an account in two days.

Key Features:

  • International and Domestic Payment / Credit card Support
  • Zero Withdrawal Fees
  • Customer Support

10. JusPay

JusPay is an Indian fintech firm that offers an online service for mobile payments. Its online platform is a SaaS on top of a payment gateway, and it provides a mobile payment browser for safe and secure transactions, as well as a transaction time improvement.

Key Features:

  • Express Checkout
  • API Driven
  • Safe and Secure Payment
  • Mobile Checkout


As the eCommerce demand rises, it is critical to integrate your eCommerce business with technological innovations. Along with managing your payments digitally, MagentoBrain provides you with Magento stores by integrating third-party software such as payment gateways, APIs, shipping, CMS, and SMS gateways to manage your eCommerce business smoothly.