{"id":17392,"date":"2020-06-08T12:16:27","date_gmt":"2020-06-08T06:46:27","guid":{"rendered":"https:\/\/www.techjockey.com\/blog\/?p=17392"},"modified":"2025-12-17T13:31:13","modified_gmt":"2025-12-17T08:01:13","slug":"best-payment-gateways","status":"publish","type":"post","link":"https:\/\/www.techjockey.com\/blog\/best-payment-gateways","title":{"rendered":"12 Best Payment Gateway for Small Business in India 2025"},"content":{"rendered":"\n<style>\n.lh-callout, .lh-featured-snippet {\n    border: 1px solid #e9e9ea;\n    border-left: 8px solid #ff492c;\n    border-radius: 20px;\n    margin-bottom: 20px;\n    padding: 35px;\n    position: relative;\n}\n<\/style>\n<div class=\"lh-callout lh-featured-snippet\">\n  <p><strong>Summary:<\/strong> With the much rise in Indian e-commerce sectors, the demand for best payment gateways is on rise. However, with hundreds of options available, let\u2019s check out best payment gateways in India for online and secure payments.<\/p>\n<\/div>\n\n\n\n<p>As more businesses are making their presence felt online, seamless user experience has acquired a new meaning. A major step in this direction has been the advent of payment gateways which make online shopping all the more convenient for customers.<\/p>\n\n\n\n<p>If ecommerce firms want to maintain trust of customers in online payment portals, it is imperative that they shield the customers from such frauds as much as possible.<\/p>\n\n\n\n<p>Now the question arises how\nbusinesses can ensure that transactions on their websites are secure without\ncompromising on the overall convenience. For that, we need to understand what\nthe term payment gateway means and what goes behind making it work.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-a-payment-gateway\"><span class=\"ez-toc-section\" id=\"what_is_a_payment_gateway\"><\/span>What is a Payment Gateway?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Think of a <a href=\"https:\/\/www.techjockey.com\/category\/payment-gateway\">payment gateway<\/a> as a cash register, albeit the one that works electronically. These are services that streamline online payment methods including payments made through credit or debit card for ecommerce websites. Some of the popular payment gateway providers are PayPal, RazorPay, Cashfree etc.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img decoding=\"async\" src=\"https:\/\/cdn.techjockey.com\/blog\/wp-content\/uploads\/2020\/06\/07174544\/What-is-a-Payment-Gateway.jpg\" alt=\"What is a Payment Gateway?\" class=\"wp-image-44288\" style=\"object-fit:cover;width:700px;height:400px\" width=\"700\" height=\"400\"\/><\/figure><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"h-12-best-payment-gateways-in-india-for-small-business-amp-ecommerce-website\"><span class=\"ez-toc-section\" id=\"12_best_payment_gateways_in_india_for_small_business_ecommerce_website\"><\/span>12 Best Payment Gateways in India for Small Business &amp; eCommerce Website<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ol>\n<li><a title=\"Paytm\" href=\"#paytm\">Paytm Payment Gateway<\/a><\/li>\n\n\n\n<li><a title=\"CCAvenue\" href=\"#ccavenue\">CCAvenue<\/a><\/li>\n\n\n\n<li><a title=\"HDFC Billdesk\" href=\"#hdfc_billdesk\">HDFC Billdesk<\/a><\/li>\n\n\n\n<li><a title=\"Billdesk SBI\" href=\"#billdesk_sbi\">Billdesk SBI<\/a><\/li>\n\n\n\n<li><a title=\"Paynimo\" href=\"#paynimo\">Paynimo<\/a><\/li>\n\n\n\n<li><a title=\"Stripe\" href=\"#stripe\">Stripe<\/a><\/li>\n\n\n\n<li><a title=\"Cashfree\" href=\"#cashfree\">Cashfree<\/a><\/li>\n\n\n\n<li><a title=\"PayPal\" href=\"#paypal\">PayPal<\/a><\/li>\n\n\n\n<li><a title=\"PayUbiz\" href=\"#payubiz\">PayUbiz<\/a><\/li>\n\n\n\n<li><a title=\"RazorPay\" href=\"#razorpay\">RazorPay<\/a><\/li>\n\n\n\n<li><a title=\"Atom\" href=\"#atom\">Atom<\/a><\/li>\n\n\n\n<li><a title=\"Instamojo\" href=\"#instamojo\">Instamojo<\/a><\/li>\n<\/ol>\n\n\n\n<p>Here\u2019s the list of payment gateways in India. Depending on the level of security offered and the ease in making payments, a business can choose from several top payment gateways.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-top-e-commerce-payment-gateways\"><span class=\"ez-toc-section\" id=\"top_e-commerce_payment_gateways\"><\/span>Top E-commerce Payment Gateways<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol>\n<li><h3 id=\"paytm\" style=\"font-size:22px;\"><span class=\"ez-toc-section\" id=\"paytm_payment_gateway\"><\/span>Paytm Payment Gateway<span class=\"ez-toc-section-end\"><\/span><\/h3><\/li>\n<\/ol>\n\n\n\n<p class=\"has-background\" style=\"background-color:#f75e3417\"><strong>USP:<\/strong> With the help of Verisign-certified <a class=\"wpil_keyword_link\" href=\"https:\/\/www.techjockey.com\/category\/ssl-certificates\" title=\"SSL\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"334\">SSL<\/a> encryption technology, Paytm has revolutionized the process of online payment in India.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"300\" height=\"100\" src=\"https:\/\/cdn.techjockey.com\/blog\/wp-content\/uploads\/2020\/06\/Logos.png\" alt=\"Paytm Payment Gateway\" class=\"wp-image-17418\"\/><\/figure><\/div>\n\n\n<p><a href=\"https:\/\/www.techjockey.com\/detail\/paytm-business\">Paytm<\/a> is one of the best payment gateways in India that comes with a safe and PCI compliant way to provide fast speed transactions which are not only limited to credit\/debit cards but also extends to net banking, UPI and Paytm wallet. Paytm gateway for payment comes with the option of free account setup and no maintenance charge.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-processing-fee-of-paytm\">Processing Fee of Paytm<\/h4>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Mode of payment<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>UPI<\/td><td>0%<\/td><\/tr><tr><td>Paytm Payment bank<\/td><td>1.99% + GST<\/td><\/tr><tr><td>Paytm Wallet<\/td><td>1.99% + GST<\/td><\/tr><tr><td>Credit Card<\/td><td>1.99% + GST<\/td><\/tr><tr><td>Debit Card (RuPay)<\/td><td>0%<\/td><\/tr><tr><td>Debit Card (Visa, Mastercard)<\/td><td>0.4% + GST (for transaction amount &lt;= 2000)<br>0.9% + GST (for transaction amount &gt; 2000)<\/td><\/tr><tr><td>Net banking<\/td><td>1.99% + GST<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-features-of-paytm-payment-gateway\">Features of Paytm Payment Gateway<\/h4>\n\n\n\n<ul>\n<li><strong>Diverse Payment Options:<\/strong> It supports over 100 payment sources, including credit cards, debit cards, AMEX cards, net banking, UPI, Paytm Wallet, Paytm Postpaid, Paytm Payments Bank, and EMI.<\/li>\n\n\n\n<li><strong>Real-time Bank Settlements:<\/strong> Offers real-time bank settlements for seamless transactions.<\/li>\n\n\n\n<li><strong>24\/7 Customer Support:<\/strong> It provides dedicated key account managers with round-the-clock priority support.<\/li>\n\n\n\n<li><strong>Express Payments:<\/strong> Ensures secure payments without the need for OTP or CVV, ensuring a smoother transaction process for consumers.<\/li>\n\n\n\n<li><strong>Saved Payment Methods:<\/strong> Simplifies the checkout process by saving customer payment details, eliminating the need to enter them repeatedly.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-integrations-for-paytm\">Integrations for Paytm<\/h4>\n\n\n\n<ul>\n<li><strong>Web Integrations:<\/strong> You can effortlessly integrate developer-friendly APIs to enable online payment on your website.<\/li>\n\n\n\n<li><strong>Mobile Integrations:<\/strong> Paytm All-In-One Payment Gateway can be used on desktops, mobile web browsers, and both Android and iOS devices<\/li>\n<\/ul>\n\n\n\n<ol start=\"2\">\n<li><h3 id=\"cashfree\" style=\"font-size:22px;\"><span class=\"ez-toc-section\" id=\"cashfree_payment_gateway\"><\/span>Cashfree Payment Gateway<span class=\"ez-toc-section-end\"><\/span><\/h3><\/li>\n<\/ol>\n\n\n\n<p class=\"has-background\" style=\"background-color:#f75e3417\"><strong>USP: <\/strong>Cashfree is the\nonly online payment gateway in India with a T+1 cycle. That is payment is\ncredited to your bank account one day after it is initiated.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"300\" height=\"100\" src=\"https:\/\/cdn.techjockey.com\/blog\/wp-content\/uploads\/2020\/06\/cashfree.png\" alt=\"Payment gateway integration\" class=\"wp-image-17415\"\/><\/figure><\/div>\n\n\n<p><a href=\"https:\/\/www.techjockey.com\/detail\/cashfree\">Cashfree<\/a> supports one of the widest ranges of Pay later options, which means that users can pay for their purchases in installments over a period.<\/p>\n\n\n\n<p>Through its Cashgram facility, allows for even COD refunds to be initiated and processed. Using cashfree refund API, customers can check the status of their refund on cashfree dashboard. <\/p>\n\n\n\n<p>You\ncan block the funds once an order is placed on the site. In case of a\ncancellation, you can refund the amount without any cancellation charges\napplying. <\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-processing-fee-of-cashfree\">Processing Fee of Cashfree<\/h4>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Mode of payment<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Debit card<\/td><td>1.95%<\/td><\/tr><tr><td>Credit card<\/td><td>1.95%<\/td><\/tr><tr><td>UPI<\/td><td>1.95%<\/td><\/tr><tr><td>Netbanking<\/td><td>1.95%<\/td><\/tr><tr><td>EMI<\/td><td>1.90%<\/td><\/tr><tr><td>International cards<\/td><td>2.95%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-features-of-cashfree-gateway-for-payment\">Features of Cashfree Gateway for Payment<\/h4>\n\n\n\n<ul>\n<li><strong>120+ Payment Options:<\/strong> Offer your customers a wide array of payment choices, including credit cards, debit cards, UPI, EMI, and more, with over 120 payment options available.<\/li>\n\n\n\n<li><strong>Instant Refunds:<\/strong> Provide instant refunds to your customers for online orders, cash-on-delivery orders, and deposits using the advanced refund solutions, and exceed your customers&#8217; expectations.<\/li>\n\n\n\n<li><strong>Instant Settlements:<\/strong> Access your online payment gateway collections within just 15 minutes, even on bank holidays.<\/li>\n\n\n\n<li><strong>Pre-Authorization:<\/strong> Temporarily reserve a portion of funds when a customer places an order, saving on payment gateway charges for canceled orders with our Pre-Authorization feature.<\/li>\n\n\n\n<li><strong>Token Vault:<\/strong> Securely process payments using saved card information while complying with RBI regulations. Token Vault is India&#8217;s pioneering interoperable card tokenization solution, compatible with all card networks and gateways.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-integrations-for-cashfree\">Integrations for Cashfree<\/h4>\n\n\n\n<ul>\n<li><strong>Web Integration:<\/strong> Cashfree Payments enable seamless integration into your website. You can accept Debit\/Credit card, Net-Banking, and UPI payments from your customers.<\/li>\n\n\n\n<li><strong>Mobile Integration:<\/strong> You can integrate the Cashfree online payment platform for small business into your Android or iOS app using the Cashfree Payments SDK.<\/li>\n<\/ul>\n\n\n\n<ol start=\"3\">\n<li><h3 id=\"razorpay\" style=\"font-size:22px;\"><span class=\"ez-toc-section\" id=\"razorpay\"><\/span>RazorPay<span class=\"ez-toc-section-end\"><\/span><\/h3><\/li>\n<\/ol>\n\n\n\n<p class=\"has-background\" style=\"background-color:#f75e3417\"><strong>USP<\/strong>: Some of its unique features are instant\nactivation within two minutes and 100 plus payment modes. <\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"300\" height=\"100\" src=\"https:\/\/cdn.techjockey.com\/blog\/wp-content\/uploads\/2020\/06\/Razorpay.png\" alt=\"Payment portals\" class=\"wp-image-17423\"\/><\/figure><\/div>\n\n\n<p><a href=\"https:\/\/www.techjockey.com\/detail\/razorpay-online-gateway\">Razorpay payment gateway<\/a> comes with a hassle-free setup. Within minutes of registering your business, you can go live and start taking payments through payment system for small business, payment links, payment pages, SmartCollect and subscriptions. <\/p>\n\n\n\n<p>RazorPay further ensures instant refunds through online payment platform. This online payment gateway boasts of some of the robust and developer friendly APIs, plugins and libraries which all contribute to create a seamless experience. <\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-processing-fee-of-razorpay\">Processing Fee of Razorpay<\/h4>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Mode of payment<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Indian credit card, debit card, net banking, UPI wallet<\/td><td>\n  2%\n  <\/td><\/tr><tr><td>American Express cards, international cards<\/td><td>\n  3%\n  <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<ul>\n<li><strong>Standard plan- <\/strong>No setup or\nmaintenance fee<strong><\/strong><\/li>\n\n\n\n<li><strong>Enterprise plan<\/strong>&#8211; Custom price list is available on request. Visit the official website for more information.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-features-of-razorpay-payment-system-for-small-business\">Features of Razorpay Payment System for Small Business<\/h4>\n\n\n\n<ul>\n<li><strong>Cross-border payments via cards and bank transfers:<\/strong> Razorpay enables businesses to accept payments from customers across borders seamlessly through credit\/debit cards and bank transfers.<\/li>\n\n\n\n<li><strong>Zero setup cost:<\/strong> It offers a hassle-free onboarding process with no initial setup cost, making it accessible for businesses of all sizes.<\/li>\n\n\n\n<li><strong>Multi-currency payment processing:<\/strong> Supports multiple currencies, allowing businesses to accept payments in the currency of their choice, facilitating global expansion.<\/li>\n\n\n\n<li><strong>PCI compliance:<\/strong> Razorpay ensures that all transactions are secure and compliant with Payment Card Industry Data Security Standard (PCI DSS) requirements, safeguarding sensitive customer data.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-web-and-mobile-integration-for-razorpay\">Web and Mobile Integration for Razorpay<\/h4>\n\n\n\n<p>Razorpay offers easy integration options and provides developers with robust APIs, SDKs, and plugins. You can seamlessly integrate its payment system into various web and mobile applications.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-payment-gateways-for-mobile-apps\"><span class=\"ez-toc-section\" id=\"payment_gateways_for_mobile_apps\"><\/span>Payment Gateways for Mobile Apps<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol start=\"4\">\n<li><h3 id=\"atom\" style=\"font-size:22px;\"><span class=\"ez-toc-section\" id=\"atom_payment_gateway\"><\/span>Atom Payment Gateway<span class=\"ez-toc-section-end\"><\/span><\/h3><\/li>\n<\/ol>\n\n\n\n<p class=\"has-background\" style=\"background-color:#f75e3417\"><strong>USP:\n<\/strong>What makes Atom one of the best payment\ngateways is its dynamic routing. That is, if a bank router fails on one\ngateway, the transaction shifts to another gateway, preventing failure. <\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"300\" height=\"100\" src=\"https:\/\/cdn.techjockey.com\/blog\/wp-content\/uploads\/2020\/06\/atom.png\" alt=\"International payment gateway\" class=\"wp-image-17414\"\/><\/figure><\/div>\n\n\n<p><a href=\"https:\/\/www.techjockey.com\/detail\/atom-paynetz\">Atom payment gateway<\/a> provides impeccable service both to new as well as established businesses as it is integrated with several banks and payment options. This payment processor makes use of PCI DSS version 3.2, and 256 bit encryption to provide secure transactions and fast checkout.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-processing-fee-of-atom\">Processing Fee of Atom<\/h4>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Modes of payment<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Credit card (domestic)<\/td><td>1.99% + INR 3<\/td><\/tr><tr><td>Debit card<\/td><td>1% (If transaction is above INR 2000)<\/td><\/tr><tr><td>Net banking<\/td><td>1.99% + INR 3   <\/td><\/tr><tr><td>Wallets<\/td><td>2.2%    <\/td><\/tr><tr><td>Bank EMIs<\/td><td>Available on request    <\/td><\/tr><tr><td>Bank\u2019s IMPS<\/td><td>1.8%   <\/td><\/tr><tr><td>American Express card<\/td><td>3.95%   <\/td><\/tr><tr><td>Credit card (international)<\/td><td>3.95%   <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Moreover, Atom Charges \u20b91955 for Integration (one time) and its annual software upgradation charge is \u20b92955.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-features-of-atom-payment-gateway\">Features of Atom Payment Gateway<\/h4>\n\n\n\n<ul>\n<li><strong>Payment Options:<\/strong> Atom supports a wide range of payment options, including credit cards (domestic and international), debit cards, net banking, UPI, e-wallets, and more, totaling 50+ banks and 256+ payment options.<\/li>\n\n\n\n<li><strong>International Payments:<\/strong> Allows Indian merchants to accept international credit card payments, including Visa and Mastercard, albeit with a higher transaction charge.<\/li>\n\n\n\n<li><strong>Settlement Process:<\/strong> Merchants using Atom payment platform can expect to receive payments within two working days, with funds deposited directly into their designated bank accounts.<\/li>\n\n\n\n<li><strong>Pricing Transparency:<\/strong> Also, provides clear information about their pricing structure, making it easier for businesses to understand the costs associated with using its online payment platform.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-web-and-mobile-integrations-for-atom-gateway\">Web and Mobile Integrations for Atom Gateway<\/h4>\n\n\n\n<ul>\n<li><strong>Web Integration:<\/strong> Offers seamless web integration, allowing businesses to integrate the payment gateway into their websites.<\/li>\n\n\n\n<li><strong>Mobile Integration:<\/strong> Also, supports mobile integration, catering to the increasing number of mobile users. Businesses can integrate the online payment platform into their mobile apps, providing a smooth and user-friendly payment experience for customers who prefer to use mobile devices for transactions.<\/li>\n<\/ul>\n\n\n\n<ol start=\"5\">\n<li><h3 id=\"instamojo\" style=\"font-size:22px;\"><span class=\"ez-toc-section\" id=\"instamojo_payment_gateway\"><\/span>Instamojo Payment Gateway<span class=\"ez-toc-section-end\"><\/span><\/h3><\/li>\n<\/ol>\n\n\n\n<p class=\"has-background\" style=\"background-color:#f75e3417\"><strong>USP:\n&nbsp;<\/strong>Instamojo provides the option of an embed\nbutton, which can be pasted on blogs or sites for instant collection of\npayment. <\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"300\" height=\"100\" src=\"https:\/\/cdn.techjockey.com\/blog\/wp-content\/uploads\/2020\/06\/instamojo.png\" alt=\"Payment gateway list\" class=\"wp-image-17417\"\/><\/figure><\/div>\n\n\n<p><a href=\"https:\/\/www.techjockey.com\/detail\/instamojo\">Instamojo payment platform<\/a> is made for small businesses and entrepreneurs to facilitate online selling and payments. Instamojo allows sellers to send payment requests via SMS. Instamojo is a hit among the artists who use the platform to sell their designs, photographs, books etc. <\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-processing-fee-of-instamojo\">Processing Fee of Instamojo<\/h4>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Modes of payment<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>NEFT\/ Bank transfer<\/td><td>No charge<\/td><\/tr><tr><td>UPI, Net banking, debit cards, credit cards, wallets<\/td><td>2% + INR 3 (exclusive GST)<\/td><\/tr><tr><td>International cards, AMEX cards<\/td><td>3% + INR 3 (exclusive GST)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-features-of-instamojo\">Features of Instamojo<\/h4>\n\n\n\n<ul>\n<li><strong>Payment Types:<\/strong> Instamojo supports a variety of payment methods, including cards, net banking, UPI, e-wallets, and NEFT\/IMPS, ensuring flexibility for both merchants and customers.<\/li>\n\n\n\n<li><strong>Setup:<\/strong> Enjoy a hassle-free experience with Instamojo&#8217;s free setup and zero maintenance costs, making it accessible for businesses of all sizes.<\/li>\n\n\n\n<li><strong>Payment Analytics:<\/strong> Gain valuable insights into your payment data with Instamojo&#8217;s payment analytics tools, helping you make informed business decisions.<\/li>\n\n\n\n<li><strong>Invoices:<\/strong> Create and send professional invoices to your customers, streamlining the billing process and enhancing your professional approach.<\/li>\n\n\n\n<li><strong>Integrated Merchant Account:<\/strong> Seamlessly manage your merchant account within the Instamojo platform, simplifying transaction processing and reconciliation.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-web-and-mobile-integration-for-instamojo\">Web and Mobile Integration for Instamojo<\/h4>\n\n\n\n<p>You can integrate Instamojo seamlessly into your website or mobile application. It offers compatibility across major mobile platforms such as Android, iOS, and Windows through the use of Webview technology.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-online-payment-providers-for-international-transactions-online\"><span class=\"ez-toc-section\" id=\"online_payment_providers_for_international_transactions_online\"><\/span>Online Payment Providers for International Transactions Online<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol start=\"6\">\n<li><h3 id=\"paypal\" style=\"font-size:22px;\"><span class=\"ez-toc-section\" id=\"paypal_payment_gateway\"><\/span>PayPal Payment Gateway<span class=\"ez-toc-section-end\"><\/span><\/h3><\/li>\n<\/ol>\n\n\n\n<p class=\"has-background\" style=\"background-color:#f75e3417\"><strong>USP:<\/strong> Merchants who want to provide customers with a better checkout experience can use Payflow Gateway. They can open the API and forward transactions to PayPal or can host the checkout pages of servers secured by PayPal.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"300\" height=\"100\" src=\"https:\/\/cdn.techjockey.com\/blog\/wp-content\/uploads\/2020\/06\/paypal.png\" alt=\"Best payment gateway\" class=\"wp-image-17420\"\/><\/figure><\/div>\n\n\n<p>Arguably one of the most widely known payment gateway options in the world, <a href=\"https:\/\/www.techjockey.com\/detail\/paypal\">PayPal\u2019s Payflow<\/a> offers an unparalleled user experience. PayPal works seamlessly with almost all merchant sites and accounts. <\/p>\n\n\n\n<p>Businesses can also aim for a better sales prospect by offering <a href=\"https:\/\/www.techjockey.com\/alternatives\/paypal\">online payment gateway options like PayPal<\/a> on their site as it is one of the most used online payment modes worldwide.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-processing-fee-of-paypal\">Processing Fee of PayPal<\/h4>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Modes of payment<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Payflow link    <\/td><td>$0<\/td><\/tr><tr><td>Payflow pro (with added feature of customizing checkout site as per the business requirement)   <\/td><td>$25<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-features-of-paypal-payment-platform\">Features of PayPal Payment Platform<\/h4>\n\n\n\n<ul>\n<li><strong>Global Reach:<\/strong> PayPal provides payment solutions in over 200 countries, making it accessible to a wide range of businesses and customers worldwide.<\/li>\n\n\n\n<li><strong>Secure Transactions:<\/strong> It employs advanced encryption and fraud prevention tools to ensure the security of online transactions, protecting both buyers and sellers.<\/li>\n\n\n\n<li><strong>Multiple Payment Options:<\/strong> Supports various payment methods, including credit cards, debit cards, bank transfers, and PayPal Balances, enhancing the convenience for users.<\/li>\n\n\n\n<li><strong>Currency Conversion:<\/strong> Automatically convert and handle payments in multiple currencies, facilitating international transactions.<\/li>\n\n\n\n<li><strong>API Integration:<\/strong> It provides APIs and developer tools for easy integration into e-commerce platforms and websites, enabling businesses to offer PayPal as a payment option.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-web-and-mobile-integration-for-paypal\">Web and Mobile Integration for PayPal<\/h4>\n\n\n\n<ul>\n<li><strong>Web:<\/strong> PayPal is a popular payment platform that&#8217;s widely used to accept payment in web applications. It&#8217;s known for its safety and has become a standard solution among e-commerce platforms.<\/li>\n\n\n\n<li><strong>Mobile:<\/strong> You can easily integrate PayPal into your online and mobile payments solution using PayPal JavaScript SDK and REST APIs.<\/li>\n<\/ul>\n\n\n\n<ol start=\"7\">\n<li><h3 id=\"payu\" style=\"font-size:22px;\"><span class=\"ez-toc-section\" id=\"payu\"><\/span>PayU<span class=\"ez-toc-section-end\"><\/span><\/h3><\/li>\n<\/ol>\n\n\n\n<p class=\"has-background\" style=\"background-color:#f75e3417\"><strong>USP:\n<\/strong>Businesses\nhaving physical stores can streamline their online and offline payments using\nPayU. Payments at the physical stores can be accepted via PayU by setting up\nBharatQR. <\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"300\" height=\"100\" src=\"https:\/\/cdn.techjockey.com\/blog\/wp-content\/uploads\/2020\/06\/pay-u-biz.png\" alt=\"Free payment gateway\" class=\"wp-image-17422\"\/><\/figure><\/div>\n\n\n<p><a href=\"https:\/\/www.techjockey.com\/detail\/payubiz-economy-plan\">PayUbiz payment gateway provider<\/a> allows businesses in India to receive payments from local as well as international customers in multiple currencies. Transactions between merchant site and customer are secured with deep encryption thus minimising the risk of <a class=\"wpil_keyword_link\" href=\"https:\/\/www.techjockey.com\/blog\/what-is-phishing\"   title=\"phishing\" data-wpil-keyword-link=\"linked\"  data-wpil-monitor-id=\"2008\">phishing<\/a> or online fraud.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-processing-fee-of-payu\">Processing Fee of PayU<\/h4>\n\n\n\n<p>PayU charges 2% for each transaction (exclusive of GST)<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-features-of-payu-payment-system\">Features of PayU Payment System<\/h4>\n\n\n\n<ul>\n<li><strong>Subscriptions:<\/strong> Easily set up and manage recurring payment plans, whether weekly, monthly, or yearly, providing convenience for both businesses and customers.<\/li>\n\n\n\n<li><strong>International Payments:<\/strong> Accept payments in over 100 currencies, making it seamless for both national and international customers to pay in their preferred currency.<\/li>\n\n\n\n<li><strong>Same-Day Settlements:<\/strong> Receive settlements on the same day of transaction via IMPS, helping small businesses and startups manage their cash flow effectively.<\/li>\n\n\n\n<li><strong>Payouts:<\/strong> Automate bulk payments to any account instantly through IMPS, NEFT, or UPI, ensuring timely disbursement and easy transaction tracking.<\/li>\n\n\n\n<li><strong>PayU Assist:<\/strong> Access a dedicated support system for resolving queries quickly, including live chat with PayU Buddy and ticket raising for tracking issues.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-web-and-mobile-integration-for-payu\">Web and Mobile Integration for PayU<\/h4>\n\n\n\n<ul>\n<li><strong>Web Integration:<\/strong> Yes<\/li>\n\n\n\n<li><strong>Mobile Integration:<\/strong> Yes<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-payment-gateways-for-websites\"><span class=\"ez-toc-section\" id=\"payment_gateways_for_websites\"><\/span>Payment Gateways for Websites<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol start=\"8\">\n<li><h3 id=\"ccavenue\" style=\"font-size:22px;\"><span class=\"ez-toc-section\" id=\"ccavenue_payment_gateway\"><\/span>CCAvenue Payment Gateway<span class=\"ez-toc-section-end\"><\/span><\/h3><\/li>\n<\/ol>\n\n\n\n<p class=\"has-background\" style=\"background-color:#f75e3417\"><strong>USP:<\/strong><strong> <\/strong>CCAvenue offers the largest portfolio of online payment options<strong> <\/strong>to ensure that merchants can create an outstanding payment experience\nfor their customers.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"300\" height=\"100\" src=\"https:\/\/cdn.techjockey.com\/blog\/wp-content\/uploads\/2020\/06\/CC-avenue.png\" alt=\"Online payment gateway\" class=\"wp-image-17416\"\/><\/figure><\/div>\n\n\n<p><a href=\"https:\/\/www.techjockey.com\/detail\/ccavenue\">CCAvenue<\/a> is one of the most secure payment gateway for website to process online transactions. It is integrated with multi-vendor and CS cart. It works equally well in both production and test modes of payment and allows CCAvenue payment response to be recorded at the admin\u2019s end.<\/p>\n\n\n\n<p>Once\nthe payment is initiated, your customers can be redirected to the CCAvenue\nhosted site, whose look and feel can be customized to complement your company\u2019s\nwebsite. <\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-processing-fee-of-ccavenue\">Processing Fee of CCAvenue<\/h4>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Mode of Payment<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Debit cards (domestic)<\/td><td>2%<\/td><\/tr><tr><td>Credit cards (domestic)<\/td><td>2%<\/td><\/tr><tr><td>Net banking<\/td><td>2%<\/td><\/tr><tr><td>Prepaid wallets<\/td><td>2%<\/td><\/tr><tr><td>UPI<\/td><td>0%<\/td><\/tr><tr><td>Debit card (international)<\/td><td>3%<\/td><\/tr><tr><td>Corporate credit card<\/td><td>3%<\/td><\/tr><tr><td>American Express\/ AMEX diners club<\/td><td>4%<\/td><\/tr><tr><td>Multi-currency options<\/td><td>4.99%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>All these charges are for the Start-up Pro Option which has no setup fee. For the Privilege plan, the setup fee is 30,000 INR. More details can be obtained by contacting the company.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-features-of-ccavenue-online-payment-system-for-small-business\">Features of CCAvenue Online Payment System for Small Business<\/h4>\n\n\n\n<ul>\n<li><strong>Maximum Payment Options:<\/strong> Provides a wide range of payment options, including credit cards, debit cards, net banking, prepaid instruments, and bank EMI.<\/li>\n\n\n\n<li><strong>Multiple Currency Processing:<\/strong> Allows global businesses to collect payments in 27 major foreign currencies, providing a localized buying experience.<\/li>\n\n\n\n<li><strong>Multilingual Checkout Page:<\/strong> Offers a checkout page in 18 major Indian and international languages, enhancing the user experience.<\/li>\n\n\n\n<li><strong>Invoice Payments:<\/strong> Enables the creation and sending of itemized invoices for easy and accurate transactions.<\/li>\n\n\n\n<li><strong>Super Support:<\/strong> 24\/7 customer support and dedicated relationship managers for assistance.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-web-and-mobile-integration-for-ccavenue\">Web and Mobile Integration for CCAvenue<\/h4>\n\n\n\n<p>CCAvenue&#8217;s mobile SDKs enable seamless and effortless payment integration directly within your iOS, Android, or Windows mobile app.<\/p>\n\n\n\n<ol start=\"9\">\n<li><h3 id=\"hdfc_billdesk\" style=\"font-size:22px;\"><span class=\"ez-toc-section\" id=\"hdfc_billdesk\"><\/span>HDFC Billdesk<span class=\"ez-toc-section-end\"><\/span><\/h3><\/li>\n<\/ol>\n\n\n\n<p class=\"has-background\" style=\"background-color:#f75e3417\"><strong>USP: <\/strong>Supports all types of payments, be it<strong> <\/strong>post-paid or pre-paid mobile, DTH, utility bills, insurance, or rental payments.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"300\" height=\"100\" src=\"https:\/\/cdn.techjockey.com\/blog\/wp-content\/uploads\/2020\/06\/hdfc.png\" alt=\"oldest payment gateways in India\" class=\"wp-image-17426\"\/><\/figure><\/div>\n\n\n<p>Billdesk is one of the oldest <a href=\"https:\/\/www.techjockey.com\/blog\/indian-payment-gateways\">payment gateways in India<\/a> and is frequently used by companies across sectors such as telecom, finance, retail and ecommerce. This payment integration service is best suitable for Indian companies which must manage recurring monthly payments.<\/p>\n\n\n\n<p>For businesses which handle international payments, this online payment gateway method may not be the best option.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-processing-fee-of-hdfc-bank\">Processing Fee of HDFC Bank<\/h4>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Mode of payment<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Net banking<\/td><td>Convenience fee of INR 10 per transaction Plus Service tax as applicable on convenience fee for HDFC, ICICI, Axis, SBI and its associate banks. Convenience fee of INR 5 per transaction Plus Service tax as applicable on convenience fee for other banks.<\/td><\/tr><tr><td>Credit card (MasterCard\/Visa\/Amex)<\/td><td>Convenience fee of 0.90% on payment amount (Subject to minimum of INR 5 plus service tax as applicable on convenience fee.<\/td><\/tr><tr><td>Debit Card (MasterCard\/ Visa) RuPay Debit Cards ATM-cum-Debit Cards<\/td><td>Convenience fee of 0.75% on payment amount for value up to INR 2000.<br>0.90% of Payment amount for value above INR 2000 (subject to mini of INR 5 plus service tax   as applicable on convenience fee).<\/td><\/tr><tr><td>Cash Card\/Mobile Wallets<\/td><td>Convenience fee of 0.90% on payment amount (Subject to minimum of INR 5\/- plus service tax as applicable on convenience fee.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-features-of-hdfc-billdesk\">Features of HDFC Billdesk<\/h4>\n\n\n\n<ul>\n<li><strong>Diverse Payment Support:<\/strong> HDFC BillDesk offers compatibility with more than 150 payment methods, ensuring flexibility for both businesses and customers.<\/li>\n\n\n\n<li><strong>Variable Pricing Options:<\/strong> Users can benefit from flexible pricing structures tailored to different payment methods, allowing businesses to optimize costs effectively.<\/li>\n\n\n\n<li><strong>Real-time Dashboard:<\/strong> Provides a real-time dashboard for businesses to monitor transactions, making it easier to track payment activity and performance.<\/li>\n\n\n\n<li><strong>Automated Refund Processing:<\/strong> BillDesk streamlines the refund process with automation, reducing administrative burdens for businesses and enhancing customer satisfaction.<\/li>\n\n\n\n<li><strong>Seamless Integration:<\/strong> It offers hassle-free integration for both one-time and recurring transactions, simplifying the implementation process for businesses of all sizes.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-web-and-mobile-integration-for-hdfc-billdesk\">Web and Mobile Integration for HDFC Billdesk<\/h4>\n\n\n\n<ul>\n<li><strong>Web Integration:<\/strong> Yes<\/li>\n\n\n\n<li><strong>Mobile integration:<\/strong> Yes<\/li>\n<\/ul>\n\n\n\n<ol start=\"10\">\n<li><h3 id=\"easebuzz\"><span class=\"ez-toc-section\" id=\"easebuzz\"><\/span>Easebuzz<span class=\"ez-toc-section-end\"><\/span><\/h3><\/li>\n<\/ol>\n\n\n\n<p class=\"has-background\" style=\"background-color:#f75e3417\"><strong>USP:<\/strong> Easebuzz offers industry-leading success rates, ensuring higher payment success and enhanced customer experience for your business.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"300\" height=\"100\" src=\"https:\/\/cdn.techjockey.com\/blog\/wp-content\/uploads\/2020\/06\/07174507\/Easebuzz-payment-system.png\" alt=\"Easebuzz payment system\" class=\"wp-image-44287\" srcset=\"https:\/\/cdn.techjockey.com\/blog\/wp-content\/uploads\/2020\/06\/07174507\/Easebuzz-payment-system.png 300w, https:\/\/cdn.techjockey.com\/blog\/wp-content\/uploads\/2020\/06\/07174507\/Easebuzz-payment-system-260x87.png 260w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/figure><\/div>\n\n\n<p>Easebuzz is India\u2019s one of the first and leading payment solutions for small and medium-sized businesses. It allows businesses to accept payments online using credit cards, debit cards, net banking, and wallets. Easebuzz is PCI DSS Level-1 compliant and offers a secure payment processing system.<\/p>\n\n\n\n<p>Moreover, security is paramount, with advanced encryption and fraud detection measures in place, ensuring trust between customers and merchants. Easebuzz seamlessly integrates with e-commerce platforms, streamlining setup and management for increased conversions and customer satisfaction.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-processing-fees-of-easebuzz\">Processing Fees of Easebuzz<\/h4>\n\n\n\n<p>Easebuzz charges for every successful transaction. Moreover, the setup and joining fee of this payment gateway pricing is zero.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-regular\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Mode of payment<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Up to INR 1000<\/td><td>INR 4 \/ transaction<\/td><\/tr><tr><td>Up to INR 1000-25000<\/td><td>INR 5 \/ transaction<\/td><\/tr><tr><td>More than INR 25,000<\/td><td>INR 9 \/ transaction<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-features-of-easebuzz-payment-gateway\">Features of Easebuzz Payment Gateway<\/h4>\n\n\n\n<ul>\n<li><strong>High success rates:<\/strong> Industry-leading success rates minimize payment failures, improving the overall shopping experience for customers.<\/li>\n\n\n\n<li><strong>Wide range of payment options:<\/strong> Easebuzz supports various payment methods, from cards to digital wallets, catering to diverse customer preferences.<\/li>\n\n\n\n<li><strong>Quick settlements:<\/strong> Businesses benefit from fast and reliable fund settlements, aiding cash flow management.<\/li>\n\n\n\n<li><strong>Data insights and analytics:<\/strong> Providing valuable data-driven insights, it empowers businesses to make informed decisions and optimize their operations in a competitive online market.<\/li>\n\n\n\n<li><strong>Seamless and secure transactions:<\/strong> It ensures a seamless payment experience with robust security measures, including encryption and fraud detection, to protect users.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-web-and-mobile-paytm-gateway-integration-for-easebuzz\">Web and Mobile Paytm Gateway Integration for Easebuzz<\/h4>\n\n\n\n<p>Easebuzz payment system offers seamless integration options for both web and mobile platforms, ensuring smooth and user-friendly payment experience for your customers.<\/p>\n\n\n\n<ol start=\"11\">\n<li><h3 id=\"paynimo\" style=\"font-size:22px;\"><span class=\"ez-toc-section\" id=\"paynimo\"><\/span>Paynimo<span class=\"ez-toc-section-end\"><\/span><\/h3><\/li>\n<\/ol>\n\n\n\n<p class=\"has-background\" style=\"background-color:#f75e3417\"><strong>USP: <\/strong>Paynimo ensures\nextremely safe money transfers with two-factor authentication in compliance\nwith PCI\nDSS standards.<strong><\/strong><\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"300\" height=\"100\" src=\"https:\/\/cdn.techjockey.com\/blog\/wp-content\/uploads\/2020\/06\/Paynimo.png\" alt=\"Paynimo\" class=\"wp-image-17419\"\/><\/figure><\/div>\n\n\n<p>Paynimo\u2019s secure encryption enables customers to proceed with their payments in minimal steps, allowing for superior customer experience.<\/p>\n\n\n\n<p>Merchants can set up payments using only a mobile phone without having to invest in any additional infrastructure. Paynimo provides payment links within SMS and E-mail alerts.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-processing-fee-of-paynimo\">Processing Fee of Paynimo<\/h4>\n\n\n\n<p>Paynimo charges may vary according to transaction amount. All details about fees and charges can be obtained from the official website.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-features-of-paynimo-payment-platform\">Features of Paynimo Payment Platform<\/h4>\n\n\n\n<ul>\n<li><strong>Mobile-First Payment Platform:<\/strong> Paynimo is a mobile-first payment platform, making it convenient for users to make online payments and money transfers using their mobile devices.<\/li>\n\n\n\n<li><strong>Ease of Payment Request:<\/strong> Merchants can request payments or transfer money by simply using the customer&#8217;s mobile number or email ID, making the payment process hassle-free manner.<\/li>\n\n\n\n<li><strong>Wide Range of Payment Options:<\/strong> Paynimo offers support for various payment methods, including Cards, Netbanking, IMPS, RTGS, National Electronic Fund Transfer, and e-wallets, ensuring flexibility for users.<\/li>\n\n\n\n<li><strong>High Security:<\/strong> Paynimo enhances security for money transfers by implementing two-factor authentication, ensuring that only authorized users can initiate and complete transactions.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-mobile-and-website-integration-for-paynimo\">Mobile and Website Integration for Paynimo<\/h4>\n\n\n\n<p>Paynimo offers seamless integration options for both mobile and website platforms. This means that businesses and individuals can easily incorporate Paynimo&#8217;s payment gateway into their mobile applications and websites, providing customers with a smooth and convenient payment experience across devices.<\/p>\n\n\n\n<ol start=\"12\">\n<li><h3 id=\"stripe\" style=\"font-size:22px;\"><span class=\"ez-toc-section\" id=\"stripe_payment_gateway\"><\/span>Stripe Payment Gateway<span class=\"ez-toc-section-end\"><\/span><\/h3><\/li>\n<\/ol>\n\n\n\n<p class=\"has-background\" style=\"background-color:#f75e3417\"><strong>USP: <\/strong>As per a report, businesses signed up with Stripe\u2019s payment gateway register an increase of 6.7% in their revenue.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"300\" height=\"100\" src=\"https:\/\/cdn.techjockey.com\/blog\/wp-content\/uploads\/2020\/06\/stripe.png\" alt=\"stripe payment gateway\" class=\"wp-image-17425\"\/><\/figure><\/div>\n\n\n<p><a href=\"https:\/\/www.techjockey.com\/detail\/stripe\">Stripe payment system<\/a> is one of the most popular gateway for payment in recent times. Their services are spread across several sectors with a highly secure end-to-end encryption. It is loaded with new features every month making the possibility of online fraud bleak and providing exceptional user experience. <\/p>\n\n\n\n<p>Stripe further supports multi-party payments across 25 different countries, and you can also manage recurring payments easily with Stripe\u2019s recovery tools.<\/p>\n\n\n\n<p>Further, to ensure secure payments, Stripe payment gateway encrypts all card numbers on a disk with AES-256. These decryption keys are stored across different machines to prevent any scope of the security breach.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-processing-fee-of-stripe-payment-system\">Processing Fee of Stripe Payment System<\/h4>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Mode of payment<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Mastercard and Visa card issued in India    <\/td><td>2%<\/td><\/tr><tr><td>American Express cards issued in India<\/td><td>3.5%<\/td><\/tr><tr><td>Cards issued outside India<\/td><td>3%<\/td><\/tr><tr><td>International cards<\/td><td>4.3% (currency conversion will lead to additional 2% fee)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-features-of-stripe-payment-provider-for-small-business\">Features of Stripe Payment Provider for Small Business<\/h4>\n\n\n\n<ul>\n<li><strong>Payment Processing:<\/strong> Allows businesses to accept payments online, in person, or through their platform, providing a comprehensive solution for payment processing.<\/li>\n\n\n\n<li><strong>Revenue and Finance Automation:<\/strong> Helps businesses grow by automating revenue and finance processes, making it easier to manage finances and optimize revenue.<\/li>\n\n\n\n<li><strong>Banking-as-a-Service:<\/strong> Offers the capability to embed financial services in your platform or product, enhancing the overall financial experience for customers.<\/li>\n\n\n\n<li><strong>Fraud and Risk Management:<\/strong> Stripe&#8217;s Radar feature provides robust fraud and <a class=\"wpil_keyword_link\" href=\"https:\/\/www.techjockey.com\/category\/compliance-risk-management-software\" title=\"risk management tools\" data-wpil-keyword-link=\"linked\" data-wpil-monitor-id=\"1131\">risk management tools<\/a> to help businesses protect against fraudulent transactions and manage risk effectively.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-web-and-mobile-integrations-for-stripe\">Web and Mobile Integrations for Stripe<\/h4>\n\n\n\n<ul>\n<li><strong>Website Integration:<\/strong> Yes<\/li>\n\n\n\n<li><strong>Mobile Integration:<\/strong> Yes<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-compare-top-5-payment-gateways-in-india\"><span class=\"ez-toc-section\" id=\"compare_top_5_payment_gateways_in_india\"><\/span>Compare Top 5 Payment Gateways in India<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-regular\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Features<\/strong><\/td><td><strong>Paytm<\/strong><\/td><td><strong>Razorpay<\/strong><\/td><td><strong>CCAvenue<\/strong><\/td><td><strong>Stripe<\/strong><\/td><td><strong>PayPal<\/strong><\/td><\/tr><tr><td><strong>Best For<\/strong><\/td><td>Retail Business and mobile payments<\/td><td>Startups and eCommerce stores<\/td><td>Small to large scale business<\/td><td>Online business and marketplaces<\/td><td>Receiving global payments<\/td><\/tr><tr><td><strong>Pricing<\/strong><\/td><td>Variable<\/td><td>Variable<\/td><td>Variable<\/td><td>Variable<\/td><td>Variable<\/td><\/tr><tr><td><strong>Transaction fee<\/strong><\/td><td>0-1.99%<\/td><td>2-3% based on plan<\/td><td>2-5% based on transaction<\/td><td>2-4%<\/td><td>4% conversion charges<\/td><\/tr><tr><td><strong>Multi-currency support<\/strong><\/td><td>Limited<\/td><td>Yes<\/td><td>Yes<\/td><td>Yes<\/td><td>Yes<\/td><\/tr><tr><td><strong>Security Type<\/strong><\/td><td>PCI-DSS compliant with 128-bit encryption<\/td><td>TLS and AES-128 encryption<\/td><td>Industry-standard (Secure Socket Layer) SSL encryption<\/td><td>PCI and CDV Compliance<\/td><td>End to end and TLS Encryptions<\/td><\/tr><tr><td><strong>Invoicing<\/strong><\/td><td>Yes<\/td><td>Yes<\/td><td>Yes<\/td><td>Yes<\/td><td>Yes<\/td><\/tr><tr><td><strong>Fraud-protection<\/strong><\/td><td>Yes<\/td><td>Yes<\/td><td>Yes<\/td><td>Yes<\/td><td>Yes<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-does-a-payment-gateway-work\"><span class=\"ez-toc-section\" id=\"how_does_a_payment_gateway_work\"><\/span>How Does a Payment Gateway Work?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A payment gateway is a technology that processes transactions. So, it collects payment details, such as credit card information, and authorizes payments through different payment methods.<\/p>\n\n\n\n<p>This is how a payment provider works:<\/p>\n\n\n\n<ul>\n<li>The customer inputs their card details on the website.<\/li>\n\n\n\n<li>Sends this payment information to the Acquiring Bank via a payment processor (like PayPal or Razorpay).<\/li>\n\n\n\n<li>The Acquiring Bank then transmits the information to card networks.<\/li>\n\n\n\n<li>Links with debit\/credit card networks like Visa and Mastercard to validate the transaction data.<\/li>\n\n\n\n<li>Following validation, approves the transaction, checks for available funds, and transfers the money to the merchant&#8217;s account.<\/li>\n\n\n\n<li>Finally, the payment gateway notifies the customer whether the payment has been accepted or declined.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-choose-the-best-payment-gateway-for-small-business\"><span class=\"ez-toc-section\" id=\"how_to_choose_the_best_payment_gateway_for_small_business\"><\/span>How to Choose the Best Payment Gateway for Small Business?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>With several payment gateways in the market, choosing the right platform may be an overwhelming task. To make an informed choice, consider the following factors:<\/p>\n\n\n\n<ul>\n<li><strong>Cost and Charges:<\/strong> Evaluate the payment gateway&#8217;s pricing structure, including transaction fees, setup costs, and hidden charges. Select a gateway that fits within your budget and offers competitive rates.<\/li>\n\n\n\n<li><strong>Benefits\/Advantages:<\/strong> Examine the advantages offered by the payment providing platform, such as fast settlement times, multi-currency support, and integration with popular e-commerce platforms.<\/li>\n\n\n\n<li><strong>Tech Support:<\/strong> Reliable and responsive technical support is essential for addressing any issues or queries promptly. Choose a payment gateway provider known for excellent customer support to ensure you get assistance, when needed.<\/li>\n\n\n\n<li><strong>Usability:<\/strong> A user-friendly interface is crucial for both you and your customers. Opt for a payment system that provides a seamless and intuitive experience, facilitating smooth transactions.<\/li>\n\n\n\n<li><strong>Low Failure Rate:<\/strong> High payment failure rate can lead to lost sales and frustrated customers. Prioritize a payment platform with a low failure rate to ensure a high transaction success rate.<\/li>\n\n\n\n<li><strong>Additional Services:<\/strong> Consider whether the gateway provider offers supplementary services like invoicing, subscription billing, or fraud protection. These services can add value to your business and streamline operations.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-frequently-asked-questions-faqs-on-payment-gateways\"><span class=\"ez-toc-section\" id=\"frequently_asked_questions_faqs_on_payment_gateways\"><\/span>Frequently Asked Questions (FAQs) on Payment Gateways<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n<div class=\"saswp-faq-block-section\"><ol style=\"list-style-type:none\"><li style=\"list-style-type: none\"><h3><span class=\"ez-toc-section\" id=\"what_are_some_of_the_popular_types_of_payment_gateways\"><\/span>What are some of the popular types of payment gateways?<span class=\"ez-toc-section-end\"><\/span><\/h3><p class=\"saswp-faq-answer-text\"><strong>a.<\/strong> Redirect- eg. PayPal which sees over 5 million redirected transactions in a day<br><strong>b.<\/strong> Onsite Payment \u2013 Employed by businesses taking payments on their own servers<br><strong>c.<\/strong> Payment offsite, checkout onsite, for example, Stripe which is used by more than 5000 companies worldwide.<\/p><li style=\"list-style-type: none\"><h3><span class=\"ez-toc-section\" id=\"what_is_the_difference_between_payment_gateways_038_payment_processors\"><\/span>What is the difference between payment gateways &#038; payment processors?<span class=\"ez-toc-section-end\"><\/span><\/h3><p class=\"saswp-faq-answer-text\">A payment processor is responsible for transmitting transactional data to the relevant financial institution. A payment gateway is responsible for the same duties as a payment processor but in addition to these, the transaction between merchant site and buyer are authorized by the payment platform.<\/p><li style=\"list-style-type: none\"><h3><span class=\"ez-toc-section\" id=\"what_is_the_best_gateway_payment\"><\/span>What is the best gateway payment?<span class=\"ez-toc-section-end\"><\/span><\/h3><p class=\"saswp-faq-answer-text\">The best payment gateway often depends on your specific business needs. Popular options are Stripe, PayPal, and Razorpay.<\/p><li style=\"list-style-type: none\"><h3><span class=\"ez-toc-section\" id=\"which_payment_gateway_has_0_transaction_fee\"><\/span>Which payment gateway has 0 transaction fee?<span class=\"ez-toc-section-end\"><\/span><\/h3><p class=\"saswp-faq-answer-text\">Currently, there is no payment gateway that has zero transaction fees.<\/p><li style=\"list-style-type: none\"><h3><span class=\"ez-toc-section\" id=\"which_payment_gateway_is_best_and_cheap\"><\/span>Which payment gateway is best and cheap?<span class=\"ez-toc-section-end\"><\/span><\/h3><p class=\"saswp-faq-answer-text\">The choice of best and cheapest payment gateway varies based on factors like transaction volume and features needed. However, some cost-effective options in India are Razorpay and Paytm.<\/p><li style=\"list-style-type: none\"><h3><span class=\"ez-toc-section\" id=\"which_bank_is_best_for_payment_gateway_in_india\"><\/span>Which bank is best for payment gateway in India?<span class=\"ez-toc-section-end\"><\/span><\/h3><p class=\"saswp-faq-answer-text\">Many banks in India offer payment gateway services. HDFC, ICICI, and SBI are among the popular choices.<\/p><li style=\"list-style-type: none\"><h3><span class=\"ez-toc-section\" id=\"what_is_a_disadvantage_of_payment_gateway\"><\/span>What is a disadvantage of payment gateway?<span class=\"ez-toc-section-end\"><\/span><\/h3><p class=\"saswp-faq-answer-text\">A disadvantage can be the cost associated with transaction fees, setup fees, and monthly charges, which can affect your profit margins.<\/p><li style=\"list-style-type: none\"><h3><span class=\"ez-toc-section\" id=\"what039s_the_normal_payment_gateway_fee_in_india\"><\/span>What&#039;s the normal payment gateway fee in India?<span class=\"ez-toc-section-end\"><\/span><\/h3><p class=\"saswp-faq-answer-text\">Normal fees in India can range from 1% to 3% per transaction, along with setup and annual maintenance charges. Specific rates vary among providers.<\/p><\/ul><\/div>","protected":false},"excerpt":{"rendered":"<p>Summary: With the much rise in Indian e-commerce sectors, the demand for best payment gateways is on rise. However, with hundreds of options available, let\u2019s check out best payment gateways in India for online and secure payments. As more businesses are making their presence felt online, seamless user experience has acquired a new meaning. A [&hellip;]<\/p>\n","protected":false},"author":69,"featured_media":17397,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7602],"tags":[7801,7799,7802,7798,7800],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.2 (Yoast SEO v22.2) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>12 Best Payment Gateways in India for Small Business in 2025<\/title>\n<meta name=\"description\" content=\"Find most secure payment gateways for all your online transaction needs. Whether you&#039;re merchant or customer. 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