Payment Gateways in India- List of Best Companies for Online Payment Processing Services

List of Payment Gateways in India for Small Online Business

Top 5 Online Payment Processing Service Providers in India for Ecommerce Stores and Small Businesses.


Ecommerce Business Payment and Online Transaction Options- An Ultimate List of Major Payment Gateways in India.

Choosing a perfect payment gateway according to your requirement can be a critical task.In this article, we will cover all the major payment gateway services in India. Some of them don’t even charge any set-up fee, so it is best for start-ups and small medium business.


E-commerce business is incomplete without speedy, safe and secure payment gateway and with so many options available in the market it gets difficult to decide which one to opt for your business.



An Ultimate List of Major Payment Gateways in India-500x250
 List of Major Payment Gateways for eCommerce shopping solutions




List of Best Payment Gateways in India for Small Business for 2021-22


We will highlight all the details of the best of the payment gateways available in India and you can decide which one suits your business needs from these.


# 1. PayU India [ PayUbiz-Payment Gateway Provider ] and [ PayUMoney Payment processor company India]


Launched in 2011 by Ibibo which is co-owned by Naspers Group and Tencent, PayU India is headquartered in Gurgaon. In 2013, PayU India merged with Global Payments Business by Naspers. It has two products PayU Money and PayU Biz.

e-commerce players like Jabong, Bookmyshow, Pepperfry and Snapdeal use PayU payment solutions.

While PayU Biz is for a registered business payU Money is for customers as well as unregistered business.

PayU India has been reviewed to be the most customer friendly payment gateway in India. PayU Processes payment of more than 50 banks and Visa, Master and Amex, Credit as well as Debit Cards.

PayU India claims to have a conversion rate of 12% with features like one-click check out, dynamic switching and recommendations.

Once a customer make a transaction on PayU india by registering for the fist time it stores all the card details and any subsequent transaction is just one click affair wherein the customer has to enter the CVV number and 3-D secure password.

PayU charges a nominal fee for one time setup starting from 4,900 INR to 29,900 INR depending on your transaction limit requirement.

It also charges an annual maintenance fee of INR 2,400 with every plan.



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PayU Biz Pricing


While PayU Money integration is completely free of any setup charges cost. There is no one time setup fee that you have to pay. All you pay is the TDR% (transaction discount rate) and service taxes.


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# 2. CC Avenue [ CCAvenue- Merchant Account, Credit Card Processing & Payment gateway for India ]



CCAvenue- Merchant Account, Credit Card Processing & Payment gateway-642x516
CCavenue Features



More than 85% of eCommerce players in India use CCavenue services is enough to understand their credibility.

They have a multilingual checkout page with over 18 Indian and International languages and accept payments in 30 major currencies.

Some biggies like PVR, RedBus, Makemytrip etc also use CCavenue for their payment needs.

Now CCavenue also offers free website integration without any setup charges.




CCavenue Pricing details page-680x633

CCavenue Pricing



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# 3. CitrusPay [ Citrus Pay: Payment Gateway Solutions & Mobile Wallet in India ]


Citrus Pay Features-320x291


CitrusPay claims to have highest conversion rates. Founded in 2011 it has three business lines i.e Payment Processing Services, enterprise management SaaS solutions and consumer payment services.

Some of its big customers include Airtel, Indigo airlines, Reliance Entertainment, Delhi Metro, Delhi Jal Board, DDA, etc.

Their commission scheme is also simple, they charge flat 1.99% + Rs 3 for every transaction made through their gateway.


Citrus Pay and Pricing Details-

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Citrus Pay Pricing


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# 4. DirecPay [ DirecPay- Payment Gateway, Online Merchant Account Services ]



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DirecPay Registration Procedure



Owned by Times Group DirecPay is also one of the best payment processing services available in India. It has a very safe and secure PCCI-DSS certified and Norton Secure gateway.


DirectPay comes with an easy integration and easy payment procedure with EMI options also. Some additional features that DirectPay offers are PPC advertising for client’s websites, domain and hosting services. Other than this its checkout cart can also be customised depending upon the business needs.


Direcpay can be Integrated within 4 – 5 working days. It offers dropped transaction tracking and accept all international credit cards.

Other features include IVR Payment Solutions, Pre integrated Shopping Carts, recapture abandoned transactions, Multi bank EMI, stored cards for one-click transactions and mobile checkout.

Set up charges start from plan of INR 6,000 to INR 36,000. They charge an annual maintenance fee of INR 5000 with all their plans.


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# 5. EBS Payment Gateway EBS –Payment Gateway, Online Payment Gateway, eCommerce Payment Gateway in India ]


France Based Ingenico Group owns EBS. Ingenico group is a global leader in payment processing services. In India EBS has offices in all major cities like Delhi, Mumbai, Kolkata, Bangalore and Chennai.

In-spite of the fact that EBS is one of the most secure payment gateways available in India it has recently been negatively talked about for its services by their customers.



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EBS Pricing


Though this list include the major five payment gateways in India there are still other solutions like PayTM, Instamojo, Zaakpay, etc which you can also research about and make an informed decision.

We would like to hear from you in comments and would try to answer any of your queries below.


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One comment

  1. Thank you so much for sharing this information. I am with EBS since last 6 months and very much happy with them. The technical team is also helpful and always available to resolve any issue. You can go live with EBS with minimum manual intervention, Merchant can accept payments with major payment option on day 1 of online activation.

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