Best payment gateways in India, for your E-Commerce website

Irrespective of how great your business idea is or how your e-commerce store may look and function, achieving your ROI goals majorly depends on the ease of transaction experienced by a customer. A payment gateway is a powerful way to ensure hassle-free payments and to reassure the visitors of your e-commerce store about your trustworthiness.

In short, a payment gateway is an e-commerce element that allows a customer/merchant to use internet transactions via credit/debit cards, securely. A bad payment gateway results in bad payment options, ultimately leading to a decline in the total sales. The server can also be a challenge in having a smooth payment gateway and we usually use Bluehost or Amazon Web Services.

The following is a list of best payment gateways that can aid your e-commerce business, depending on your requirements.

CC Avenue
CC Avenue is one of the biggest payment gateway providers in India, with over 85% e-commerce business that currently run on the engine. The platform includes 100+ payment options, Multiple Currency Processing, Retry Availability & Customization, Audit, Analytics and a large window for active users. If the website is already live, one can integrate the CC Avenue payment gateway for free.ccavenue-logo

Citrus Pay
Incepted by Satyen Kothari and Jitendra Gupta, Citrus is a 4 year old venture that claims to to make online payment quick and effective. We have signed up with Citrus Pay for our product, Influencer, but were quite disappointed with the onboarding process. Citrus Pay has a long list of documents and they first need a scanned copy of the documents and then a hard copy, all of them attested. This is actually more cumbersome than CCAVenue, which would send a hard copy of the documents. While it would be fine for an SBI to have such bureaucratic process, one would have expected a new company to have simplified the process.


Direcpay is an arm of the Times Group. It is essentially the safest payment gateway in India. The PCI DSS certified and Norton Secure gateway offers easy integration to ecommerce business, a simple registration and a flexible payment process, besides providing EMI options. However, Direcpay requires 5 days for account activation, after the documents are verified by concerned authorities.DirecPay-logo-India

Google Wallet
Google Wallet is a simplified platform to send and receive money. The Google Wallet Card which is linked to a user’s account can also be used a retail businesses. Since most of the world’s population is already addicted to the Big G, the ease of online payment can be left unexplained. Merged in 2011 with Google Wallet, Google Checkout allows users to use their mobile devices to pay for products (at agreed-upon locations) and enables the sale/transfer of funds through an automated process. In addition, customers can use Google Checkout to send and receive money through Gmail attachments. As most of the digital audience have gone mobile, Google Wallet can be a prudent gateway for an e-commerce business.


Processing close to 8 million payments every day, PayPal is one of the most widely used payment gateways in the world. Request and transfer of payments are very easy, as the platform has over 137 million active accounts across 193 markets, compatible with 26 currencies around the world. PayPal also offers perks like uploading of cheques through your smartphone’s camera and completion of transaction without having to exit the website. PayPal is a natural choice for Indian e-commerce businesses that have a large number of international customers.


PayU India
Marking an impressive conversion rate of 12% and world-wide presence, PayU is one of the fastest growing payment gateways in India. With noteworthy customer service, PayU has roped in e-commerce biggies like Jabong and Snapdeal into their clientele. The platform offers four pricing packages that vary in covering aspects like Risk Management System, Multi Currency Gateway, Mobile optimised payment page, IVR Payment, Store Card Feature and Payment Analytics.



Razorpay is a relatively new member to the payments ecosystem in India and is backed by notable Silicon Valley investors and mentors. Founded by an IIT Roorkee alumni, Razorpay aims to revolutionize the online payments process through secure and easy-to-integrate APIs, which makes it easy for businesses to integrate and process transactions. It is an India-focused company that offers 24*7 customer support and a simplified experience to the customers.

Razorpay - Socialbeat Blog

Your choice between the above mentioned payment gateways may vary depending on your e-commerce business field, size, and location. Though all of them have the capacity to adapt to various requirements, we would like you to share your personal experiences about payment gateway providers in India. Let us know if we have missed out anything, or which one is the best according to you.

Payment Gateway Setup Fee (INR) Commission Per Transaction Popularity (In India)
CC Avenue 7,500 – 40,000 3% – 7% High
Citrus Pay 4,900 1.99% + Rs.3 Moderate
DirecPay 10,000 6% Moderate
+Google Wallet Free 2.9% Low
Paypal Free 2.2% – 2.9% + $0.30 Moderate
PayU India 4,900 – 29,900 0.75% – 2.90% High
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10 thoughts on “Best payment gateways in India, for your E-Commerce website

    1. Hey Ashwin – Typically it takes 2-3 weeks to evaluate the vendors and complete the registration/integration process. Many of the larger payment gateways have a streamlined integration with Magento, WordPress, Shopify etc but the registration/paperwork can take a few days.

  • I am very amazed to see that Google wallet have very less popularity, where it is free to setup and also constant Commission fee.

  • Thank you so much Varun for sharing such a informative post with us. As you have said it requires 2-3 weeks to evaluate vendors and complete the registration process for payment gateway integration. What kind of paper work is required if I am looking for payment gateway integration ???

  • Thanks Varun! I am looking for best payment gateway but I am very confused in between CC Avenue and Paypal. Can you please tell me which one is best so that I can make the right selection.

    1. Paypal can only be used for international transactions so CC Avenue would be ideal for Indian transactions. You can posibbly keep both in case you are going to get domestic & international customers.

    2. Hi Varun, for an ecommerce venture in India, it would have higher conversions with a recognized payment gateway like CC Avenue or PayU

  • For goverment websites which payment gateway will be best one.Am developing a website for agriculture related one .pls help

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