Payment gateway with EMI, BNPL and enterprise integrations.
RecommendedMade in India
Starts at
Pay as you go
Finance & Accounting
Best Payment gateways & UPI in India (2026)
Payment gateways let you collect money online through UPI, cards, net banking, wallets and EMI, and settle it to your bank. In India the gateway choice affects success rates, settlement speed and the fees you pay on every rupee, so it deserves more attention than the sign-up flow suggests.
54 products compared43 made in India4 with a free plan
Top rated here
1PayU
Payment gateway with EMI, BNPL and enterprise integrations.
Pay as you go
Razorpay
Payment gateway, payment links, payouts and business banking for Indian businesses.
Pay as you go
Paytm Payment Gateway
Gateway with Paytm wallet, UPI and card acceptance.
Pay as you go
Cashfree Payments
Payment gateway and payouts with high UPI success rates.
Pay as you go
Instamojo Payments
Simple payment gateway and links for micro businesses.
Pay as you go
View
Payment gateway, payment links, payouts and business banking for Indian businesses.
RecommendedFeaturedMade in India
Starts at
Pay as you go
Gateway with Paytm wallet, UPI and card acceptance.
Made in India
Starts at
Pay as you go
Payment gateway and payouts with high UPI success rates.
RecommendedMade in India
Starts at
Pay as you go
Simple payment gateway and links for micro businesses.
Made in India
Starts at
Pay as you go
Payment gateway and bill collection for enterprises.
Made in India
Starts at
Pay as you go
Gateway with PhonePe UPI and card processing.
Made in India
Starts at
Pay as you go
Payment gateway and collections for education, SMEs and enterprises.
Made in India
Starts at
Pay as you go
Omnichannel payments with gateway and POS.
Made in India
Starts at
Pay as you go
Payment gateway from MobiKwik.
Made in India
Starts at
Pay as you go
Merchant UPI and wallet acceptance.
Made in IndiaFree
Starts at
Free
Interoperable UPI QR and merchant loans.
Made in IndiaFree
Starts at
Free
The Unified Payments Interface itself, operated by NPCI.
Made in IndiaFree
Starts at
Free
POS terminals and payment acceptance for merchants.
Made in India
Starts at
Pay as you go
Audio payment confirmation device for merchants.
Made in IndiaBest value
Starts at
₹125/mo
Free UPI QR acceptance for merchants.
Free
Starts at
Free
International payment collection for Indian exporters with FIRA.
NewMade in India
Starts at
Pay as you go
Cross-border payments for Indian exporters and freelancers.
Starts at
Pay as you go
Cross-border payments and virtual accounts for Indian businesses.
NewMade in India
Starts at
Pay as you go
Cross-border payment collection for SMEs and freelancers.
NewMade in India
Starts at
Pay as you go
Payment confirmation speaker for shops.
Made in IndiaBest value
Starts at
₹99/mo
Enterprise payment and bill-pay platform used by banks and utilities.
Made in IndiaEnterprise ready
Starts at
On request
Payment processing, POS and gateway services.
Made in India
Starts at
On request
Payment orchestration and checkout for large merchants and banks.
Made in India
Starts at
On request
Ordered by App Advisor rating. Nothing here is paid placement — see how we rate software.
How to choose payment gateways & upi
Compare the total cost: MDR on UPI is zero by regulation, but cards, net banking and international payments carry 1.5–3%, plus GST on fees.
Ask for success-rate data on your traffic mix. A gateway with weak bank integrations loses a few percent of every checkout silently.
Check onboarding requirements — website content, business registration, bank verification — before building the checkout.
What to look for
- ✓ UPI, cards, net banking, wallets and EMI
- ✓ Payment links and pages without a website
- ✓ Recurring payments and e-mandates
- ✓ Payouts and vendor payments
- ✓ Smart routing for higher success rates
- ✓ Settlement cycles (T+1, instant)
- ✓ Plugins for Shopify, WooCommerce and apps
- ✓ Dashboards, refunds and dispute management
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Payment gateways & UPI — frequently asked questions
Which payment gateway has the lowest fees in India?+
UPI is free of MDR on every gateway. For cards and net banking, most mainstream gateways charge around 2% plus GST; volume businesses negotiate lower rates. Compare success rates before fees — a 3% drop in success costs more than a 0.3% fee difference.
Payment gateways & UPI by industry
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