Best Payment Gateways in India for 2025

Payment gateways in India are online services that help customers and merchants complete electronic transactions. They make it easy and secure to pay using methods like credit and debit cards, net banking and e-wallets. These gateways also protect sensitive information by encrypting it keeping transactions safe. 

In India, popular payment gateways include Paytm, Razorpay, PayU and CCAvenue among others. They support a wide range of services such as mobile recharges, bill payments and eCommerce transactions. Recently online payments have increased a lot. Because of the COVID-19 pandemic many people have chosen online payment methods for safety. As a result, more people are using cashless ways to send money. 

With the rise of digital payments especially after the push for cashless transactions payment gateways have become essential for businesses of all sizes providing convenience and efficiency in financial operations. A payment gateway is a service that connects users bank accounts to the platform where they want to send money. While banks can offer their own payment gateways to customers specialized financial service providers also offer this as a separate service.

Explore the list of UPI apps for secure online payments.

Top Payment Gateways in India for 2025

Discover the top payment gateways in India for 2025. Choose the best platforms for secure, seamless, and efficient online transactions for businesses and customers alike.

Paytm

Paytm is a payment gateway in India that focuses on digital payments and financial services. It makes it easy for customers and merchants to pay using cards, bank accounts and e-wallets. Paytm also offers services like mobile recharges, bill payments, movie tickets and bookings for taxis, trains and flights. Users can pay loans, get insurance, and exchange currency too. 

Paytm has become a top payment gateway in India due to its large number of online users and the popular Paytm Wallet. You can make transactions anytime and from anywhere. It has also teamed up with major eCommerce companies like Jabong, ola, Cleartrip, RedBus, Goibibo, and Zomato.

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Paytm, PhonePe and Google Pay - which digital payment you should use.

Google Pay

Google Pay is a digital wallet and mobile payment app. Google Pay is a payment solution that enables users to send money. With Google Pay, you can make payments to service providers, other users, merchants, billers, or third parties using any payment methods accepted by the app. 

Google Pay allows your customers to pay quickly with just a button press, using the payment methods saved to their Google Account. Gpay has teamed up with various Payment Service Providers (PSPs) worldwide to make integration easy.

PayPal

PayPal is an online payment system that enables users to send and receive money, make purchases and shop online. You can connect your credit card, debit card or bank account and you can also create a PayPal Balance account. Indian merchants can only use PayPal to receive international payments. 

PayPal does not support Indian currency so you need to select an international currency as your main currency. PayPal is an American multinational financial technology company that operates an online payment system in most countries that support online money transfers. It acts as an electronic alternative to traditional payment methods like checks and money orders.

Explore the list of best payment gateways for startup or business

RazorPay

Razorpay is a financial solutions company that offers payment and banking services for businesses in India. Razorpay is the only payment solution in India that enables businesses to accept, process, and distribute payments through its range of products. 

Founded in 2014 by IIT Roorkee alumni Harshil Mathur and Shashank Kumar, Razorpay is based in Bangalore and is considered one of the top payment gateways in India. Many entrepreneurs using Razorpay for their businesses have seen an increase in their conversion rates.

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Instamojo

Instamojo is an e-commerce platform that assists businesses and individuals in selling, managing, and growing their online ventures. Instamojo is founded in Bengaluru in 2012 by Sampad Swain, Akash Gehani, and Aditya Sengupta, is one of the top-rated payment gateways. Originally a solution for digital payments, Instamojo has evolved into a strong online payment gateway that helps micro, small, and medium enterprises start, manage, and grow their businesses online. 

Instamojo is an online payment gateway for businesses in India. Founded in Bangalore in 2012, it now supports over 800,000 businesses across 29 states and 7 Union Territories, with more than 10 million customers using the platform.

MobiKwik

MobiKwik is a mobile wallet and payment app that provides a variety of services. MobiKwik is India's leading digital banking platform providing a variety of financial products for both consumers and merchants, including payment services, digital credit and investment options. MobiKwik Payment Gateway provides payment solutions for both individual users and businesses, featuring a highly mobile-friendly user interface and checkout design. 

MobiKwik is a mobile wallet and financial services platform that lets users send and receive money, pay businesses and utility bills, shop online or in stores, and access financial products. Users can also get instant digital loans, pay credit card bills, and invest in digital gold and mutual funds.

Cashfree

Cashfree Payments is a payment and API banking company in India that provides a range of services for businesses to accept and send money. Cashfree Payments is India's top payments and API banking company. It offers comprehensive payment solutions that allow businesses in India to accept payments and make payouts through over 180 payment methods, all with easy integration. 

Founded in 2015 by Akash Sinha and Reeju Datta. Cashfree is a popular and cost-effective payment gateway based in Bangalore, India. One of the best features of Cashfree is its direct integration with multiple banks making it a fast and reliable payment gateway.

PayU

PayU is a payment gateway company that provides solutions for online businesses. It uses advanced technology to help businesses accept payments easily. PayU serves over 500,000 businesses in India and allows them to accept online and offline payments through more than 150 methods including credit cards, debit cards, net banking, EMIs, BNPL, QR codes, UPI and wallets.

PayU is a payment gateway with a high success rate and a smooth, secure checkout experience. It is one of the best multi-currency payment gateways for online payments. The company makes it easy to get started with a simple sign-up and quick onboarding process. Users can begin accepting payments securely in their iOS, Android or Windows apps within minutes thanks to its easy online onboarding.

BillDesk

BillDesk is an Indian online payment gateway company located in Mumbai. It offers an online payment platform that allows clients to facilitate transactions for banking and merchant websites. BillDesk is an online payment gateway company in India that offers payment solutions for businesses, financial institutions, and government entities. 

The company offers an online payment platform that allows its clients to process transactions for banking and merchant websites. It offers bill payment and settlement services to major billers like electricity, water, insurance and other service providers. Additionally, it gives customers the option to choose how and when they want to make payments.

PayUbiz

PayUbiz is an online payment gateway that enables businesses to accept payments in various currencies. PayUbiz is an Indian online payment gateway for businesses that supports multiple currencies worldwide. With PayUbiz, you can accept Visa, MasterCard, Amex, Diners, Maestro, and Rupay credit and debit cards, as well as net banking and more, in your Ecwid online store. 

It helps businesses worldwide accept online payments using credit cards, debit cards, and net banking. Over 80 of the top 100 e-commerce companies in India choose PayUbiz for their payment solutions.

CCAvenue

CCAvenue is a payment gateway that enables online merchants to accept payments from their customers. CCAvenue is one of the top payment gateways and e-commerce technology solution providers. It offers digital payment solutions to various platforms globally including governments, domestic businesses, merchants, corporations and enterprises. 

It is known for being one of the safest and most secure payment options available. CCAvenue offers comprehensive, easy and secure online payment gateway services featuring real-time validation for Credit Card, Debit Card, Net Banking, Digital and Mobile Wallets, Cash Cards and Mobile Payments. 

PayKun

PayKun is a payment gateway service that enables secure transactions between buyers and sellers. It offers various online payment methods including debit cards, credit cards, wallets, UPI and QR codes. PayKun offers three services: payment gateway, payment link and payment button. One of the first things you'll notice when using PayKun is its user-friendly interface, which provides vendors with easy access to all the necessary resources. 

Businesses can use all major payment methods for transactions. The company offers free plugins and SDKs available online for easy integration with all major platforms for websites and mobile apps. It features over 120 payment options including various bank credit cards, debit cards, net banking and wallets making it simple to accept payments. 

Citrus Payment Gateway

Citrus Payment Solutions is an Indian company that offers online payment services for businesses. The Citrus Payment Marketplace Add-On enables customers to choose the Citrus Payment Gateway as their payment option. Citrus Pay is a major player in the Indian payment gateway market. 

They offer unique features like single-click checkout and in-app purchasing, all with no installation cost and low transaction fees. Once merchants sign up with Citrus Pay they can access their payment pages from any device and provide a wide range of payment options. 

Atom Payment Gateway

Atom payment gateway is a leading payment platform in India that offers various payment options including credit and debit cards, net banking, UPI and digital wallets. This makes it a great choice for businesses that want to serve customers with different payment preferences. Founded in 2006, Atom provides a range of payment processing services that make transactions easy and secure for both businesses and individuals. 

Whether through mobile, IVR or the internet they aim to create a user-friendly experience. They believe that transactions should be simple and convenient for everyone, at any time. Atom is a complete payment service provider that offers solutions for both online and offline platforms. The company supports payments through the internet, IVR, and mobile apps using credit cards, debit cards, net banking, and prepaid cards. It has processed over 15 million transactions and is used by thousands of merchants across the country. 

ZaakPay

Zaakpay is an online payment software and gateway that lets businesses accept payments from all banks in India without needing integration. It aims to make payment processes easier for eCommerce in the country.

The software supports multiple currencies and accepts major cards like MasterCard, VISA, Maestro, Diners, AmEx and Discover. Designed for online businesses of all sizes—small, medium or large—Zaakpay helps with both collecting and distributing payments. As a payment gateway by MobiKwik it provides easy integration and secure payment processing, giving businesses an edge in a competitive market.

Conclusion

Payment gateways in India play a crucial role in the country rapidly growing digital economy. They provide businesses with the necessary tools to facilitate secure online transactions accommodating a wide range of payment methods including credit and debit cards, UPI, net banking and digital wallets. With more people choosing cashless transactions, especially after the pandemic payment gateways are crucial for both small and large businesses to succeed in a competitive market.

These gateways make it easier for customers by providing various payment options and also ensure that transactions are secure and smooth. As technology improves payment gateways are likely to add new features and make the user experience better. They are important for helping eCommerce grow and for promoting financial inclusion in India.