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Top 7 Payment Gateways in India

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Looking for the best payment gateways in India in 2025? Whether you’re running a high-risk vertical, a fast-scaling SaaS platform, or a fintech startup, this curated list is built for real-world usability—not just a flashy UI.

Unlike broader lists, we’ve zeroed in on 7 platforms that excel in UPI success rates, risk acceptance, fraud prevention, settlement flexibility, and cross-border capability. From Razorpay to BillDesk, these gateways serve everything from digital-first startups to regulated industries and government payments.

Why a Leaner List of best Payment Gateways Matters

With over 40+ payment solutions active in India, narrowing it down to just 7 is about precision. Whether you’re dealing in regulated industries, want better UPI success rates, or need support for instant payouts—this list answers “who really delivers” in 2025.

We excluded platforms that focus only on checkout UX (like JusPay) or those lacking merchant support in high-risk verticals. This list is merchant-first, tailored to performance and scale.

7 Best Payment Gateways in India

1. Razorpay

Razorpay is still the most agile payment infrastructure for Indian startups and mid-size businesses. It combines gateway, banking, and automation with tools like RazorpayX and Magic Checkout.

Why It Ranks #1:

Pricing Structure

Standard Plan:

Enterprise Plan:

Advantages

Limitations

Ideal For: SaaS, D2C brands, platforms scaling fast

2. Cashfree Payments

Cashfree is rapidly becoming India’s payout backbone. With instant vendor payments, international settlement, and marketplace-friendly logic, it’s ideal for aggregators and digital platforms.

Strengths:

Pricing Overview

Key Benefits

Drawbacks

Ideal For: BNPL, aggregators, freelancers, logistics tech

3. PayU India

Known for its enterprise-grade routing engine and risk management modules, PayU is a go-to choice for regulated sectors and growing eCommerce ecosystems.

Highlights:

Fee Structure

Highlights

Potential Drawbacks

Ideal For: Edtech, insurance, lending, marketplaces

4. CCAvenue

CCAvenue continues to dominate as a gateway that supports international merchants, cross-border businesses, and multi-currency processing with ease.

Why It’s Here:

Pricing Details

Startup Pro Plan (No Setup Charges):

Startup Privilege Plan (With Setup Fee):

Key Features

Limitations

Ideal For: Hospitality, exporters, large D2C brands

5. Paytm Payment Gateway

With Paytm’s popularity across wallets and UPI, its gateway allows mobile-first commerce to thrive. Especially useful for brands targeting youth, Tier 2/3 cities, and mobile-first users.

Advantages:

Ideal For: Gaming apps, grocery delivery, hyperlocal platforms

6. Atom Paynetz

Atom Paynetz supports a wide range of merchant categories including education, healthcare, and B2G sectors—making it one of the few payment gateways that services semi-regulated industries efficiently.

Perks:

Atom Paynetz – Pricing Overview

Standard Online Transaction Fees (18% GST applicable)

Exact rates may vary by business category. Always consult Atom’s pricing page or sales team for accurate details.

Key Advantages

Limitations

Ideal For: Schools, government vendors, hospitals

7. BillDesk

BillDesk has quietly powered the backend of India’s utility payments, insurance sectors, and large-scale recurring debit models. While not as flashy as new-age gateways, its dependability is unmatched.

Key Benefits:

BillDesk – Pricing Snapshot

Domestic Transactions (Plus 18% GST)

📌 BillDesk generally provides tailored pricing for enterprise-level clients and high-volume billers.

Why Choose BillDesk

What to Watch Out For

Ideal For: Telcos, gas agencies, IRCTC-type platforms

Quick Comparison: Best Payment Gateways in India

Gateway UPI Support International Support Risk Acceptance Recurring Billing Settlement Speed
Razorpay ✅ ✅ Medium ✅ Fast (Instant-X)
Cashfree ✅ ✅ High ✅ Fast
PayU ✅ ✅ High ✅ Medium
CCAvenue ✅ ✅ Mid ✅ Medium
Paytm PG ✅ ❌ Mid ✅ Fast
Atom Paynetz ✅ ❌ High ✅ Medium
BillDesk ✅ ❌ High ✅ Medium

 

How to Choose the Best Payment Gateway (2025)

What’s Missing (And Why)

In this trimmed-down version, Instamojo has been removed. While it’s great for solopreneurs, its limited enterprise support and lack of international capability means it doesn’t meet the scale, payout, or risk support needed by larger merchants.

Final Thoughts

Choosing the Best payment gateways in India (2025) is about more than just a slick checkout page. It’s about risk, success rates, integrations, and payouts. Use this list as a decision-making tool based on what your business actually needs—not just who’s trending.

FAQs: Top Payment Gateways in India (2025)

1. What is the Best payment gateways for startups in India?

Razorpay is the top choice for startups due to its fast integration, powerful APIs, and instant settlement capabilities through RazorpayX. It’s ideal for businesses scaling quickly, especially in the SaaS or D2C sectors.

2. Which payment gateway is best for cross-border transactions?

Cashfree and CCAvenue are the top payment gateways for businesses dealing with international payments. Both platforms offer multi-currency support and facilitate FX settlements, making them perfect for global expansion.

3. What payment gateway offers the fastest settlement in India?

Razorpay is known for its instant settlements, especially with RazorpayX, which allows businesses to transfer funds into their bank accounts almost immediately. Cashfree also offers quick payouts, particularly for vendors and marketplaces.

4. Which payment gateway supports recurring billing?

Razorpay and BillDesk excel in recurring billing and subscription management. Razorpay offers easy integration for subscription-based models, while BillDesk powers utility payments and large-scale recurring models for telecoms and utilities.

5. Is Paytm Payment Gateway suitable for mobile-first businesses?

Yes, Paytm PG is ideal for mobile-first businesses, particularly those targeting Tier 2/3 cities or youth demographics. Its UPI integration, wallet features, and powerful SDKs for mobile apps make it a top choice for mobile commerce.

6. Which payment gateway is the best for high-risk businesses?

Cashfree and PayU are excellent for high-risk verticals. Both platforms offer custom onboarding, advanced fraud prevention tools, and high-risk merchant acceptance, making them suitable for industries like BNPL, insurance, and lending.

7. What payment gateway is best for eCommerce businesses in India?

PayU India is widely used by eCommerce businesses due to its smart routing engine, advanced fraud protection, and high transaction success rates. It’s well-suited for both large-scale businesses and regulated industries.

8. Which payment gateway has the best fraud protection?

PayU is renowned for its advanced fraud detection systems and risk management capabilities, especially in sectors like insurance, lending, and eCommerce. It’s designed to handle high volumes of transactions while maintaining security.

9. Is CCAvenue good for small businesses?

CCAvenue is better suited for larger businesses or those with cross-border needs, as it supports 200+ payment methods, multi-currency processing, and international transactions. Small businesses should consider Razorpay or Paytm PG for more accessible features.

10. What is the best payment gateway for educational and healthcare sectors?

Atom Paynetz is highly recommended for industries like education and healthcare due to its PCI-DSS compliance, fraud control systems, and tailored solutions for semi-regulated sectors.

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