Global payments infrastructure with APIs for online businesses.
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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
1
PayU
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
Cross-border receivables for freelancers and exporters.
Starts at
Pay as you go
Payment links and collections integrated with business banking.
Made in India
Starts at
Pay as you go
Low-cost international transfers and multi-currency accounts.
Starts at
Pay as you go
Pay-later checkout for online merchants.
Made in India
Starts at
Pay as you go
EMI checkout for online purchases.
Made in India
Starts at
Pay as you go
One-click checkout and payment orchestration for D2C brands.
Made in India
Starts at
Pay as you go
Buy-now-pay-later and credit checkout.
Made in India
Starts at
Pay as you go
RBI-authorised payment aggregator for UPI, payment links and virtual accounts at a flat per-transaction fee.
Made in IndiaBest value
Starts at
₹5/mo
No-cost EMI checkout for D2C and marketplaces.
Made in India
Starts at
Pay as you go
Card issuing and banking-as-a-service platform.
Made in India
Starts at
On request
POS and offline payments now part of Razorpay.
Made in India
Starts at
On request
Payment terminals and enterprise retail payments.
Made in IndiaEnterprise ready
Starts at
On request
UPI, account aggregator and bill-pay APIs for developers.
Made in India
Starts at
On request
Modern card and banking processing for banks and fintechs.
Made in India
Starts at
On request
Digital onboarding and KYC for payment businesses.
Made in India
Starts at
On request
Banking and payments APIs for fintech products.
Made in India
Starts at
On request
Enterprise global payments platform.
Enterprise ready
Starts at
On request
Payments platform for Southeast Asia.
Starts at
On request
Secure payment gateway and transaction routing.
Made in India
Starts at
On request
Omnichannel payment platform for enterprises.
Made in IndiaEnterprise ready
Starts at
On request
Amazon Pay checkout and UPI for merchants.
Starts at
Pay as you go
Global payment processing for enterprises.
Enterprise ready
Starts at
On request
Interoperable bill payment infrastructure from NPCI.
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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