RBI-authorised payment aggregator with UPI, cards and wallets plus basic business management tools.
Made in India
Starts at
On request
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
Checkout, COD conversion and RTO reduction for e-commerce brands.
Made in India
Starts at
On request
B2B payment and verification APIs built on UPI and prepaid instruments, plus expense cards.
Made in India
Starts at
On request
Merchant of record platform handling global payments, billing and sales tax for digital products.
NewMade in India
Starts at
4% + 40c per domestic US transaction
Payment gateway, merchant tools and devices on one platform for online and in-store acceptance.
Starts at
Merchant discount rates from ~0.65%
Global payment infrastructure for card acceptance, payouts and fraud tools across many markets.
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.
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