Payment gateway with EMI, BNPL and enterprise integrations.
RecommendedMade in India
Starts at
Pay as you go
Finance & Accounting · Payment gateways & UPI
Best payment software in India (2026)
Payment software sits inside Payment gateways & UPI, so the shortlist below is drawn from that catalogue and ranked for Indian buyers.
54 products compared43 made in India4 with a free planfrom ₹5/mo
Payment software products
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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
See all 54 payment gateways & upi products
What payment software should do
- 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
How to choose payment software
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.
BudgetEntry pricing starts at ₹5/month in this list.
India fit43 of 54 are built in India, with GST and rupee billing handled natively.
Try before you buy4 products have a free plan you can run a real month on.
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Payment software — frequently asked questions
Which payment software is best in India?+
On App Advisor's ranking, PayU, Razorpay, Paytm Payment Gateway lead this list of 54 products. "Best" depends on your size and workflow, so use the shortlist tool with your budget and team size rather than taking a ranking at face value.
How much does payment software cost?+
Published pricing in this list starts at ₹5 per month. 4 of the 54 products have a free plan. Products sold only on request show "On request" — we never estimate a price a vendor has not published.
Is there free payment software?+
Yes — 4 of the 54 products here have a real free tier, not just a trial. Free plans usually cap users, records or transactions, so check the limit against your monthly volume before you commit.
Is there payment software made in India?+
43 of the 54 products listed are built in India. That usually means GST, TDS and UPI are handled natively, support runs in Indian hours and invoices come in rupees.
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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