Online businesses are growing in India’s quickly changing digital environment, as is the demand for reliable and secure online payment gateways. With the increasing popularity of e-commerce, mobile apps, and the digitization of several services, it is crucial for companies to provide their clients with simple and dependable payment choices. This thorough guide will delve into the world of Indian 5 Best online payment gateways, examining the leading providers and highlighting their features, advantages, and applicability for various business kinds.

What are Online Payment Gateways

Let’s start with an overview before getting into the details of the popular 5 Best Online Payment Gateways in India. What does an online payment gateway actually do? It’s a technology, to put it simply, that makes it possible for people to make purchases online by securely transferring information between a client, a merchant, and the payment processor. Payment gateways are essential in making sure that transactions go quickly, safely, and in keeping with legal requirements.

How Important Is Choosing the Correct Online Payment Gateway?

For any organisation, choosing the correct payment gateway is an important decision. The decision impacts the client experience as well as the security of private financial information and the speed of transaction processing.  why it’s so important to choose the correct payment gateway, taking into account things like cost, security, accessibility, and simplicity of installation.

5 Best Online Payment Gateways in India

  1. Cashfree Payment
  2. Instamojo
  3. CC Avenue 
  4. Razorpay
  5. Bill Desk

Cashfree Payment 

Cashfree Payment is a leading online payment gateway in India, known for its simplicity, versatility, and security. It caters to a wide range of businesses, from startups to large enterprises, providing them with a robust platform to accept online payments hassle-free.

Features :

 Multiple Payment Options

Cashfree Payment supports various payment methods, including credit cards, debit cards, net banking, UPI, and popular digital wallets. This versatility ensures that customers can make payments using their preferred mode, enhancing conversion rates.

 Seamless Integration

Cashfree offers seamless integration options for websites and mobile applications. With easy-to-use APIs and plugins, businesses can quickly set up the payment gateway without extensive technical expertise. 

Robust Security

Security is a top priority for Cashfree. It is compliant with the highest level of Payment Card Industry Data Security Standard (PCI DSS Level 1), ensuring that customer data remains protected during transactions.

 Payouts Made Easy

Cashfree simplifies payouts to vendors, employees, or partners with automated payout solutions. This feature is particularly valuable for e-commerce businesses and those involved in the gig economy.

Real-time Analytics

The platform provides real-time analytics and reporting tools, enabling businesses to gain insights into transaction history, success rates, and more. This data helps in optimizing payment processes and maximizing revenue.


Instamojo is another popular choice among Indian businesses for its simplicity and affordability. It caters to micro and small businesses, helping them collect payments online with ease.

Payment Gateway


Zero Setup Fees

Instamojo is known for its straightforward pricing structure with no setup fees. This makes it a desirable choice for new companies and small firms with tight financial constraints. Instamojo offers a unique feature called “Payment Links,” allowing users to generate links for specific products or services. These links can be shared via email, SMS, or social media, simplifying the payment collection process.

Digital Storefront

Businesses can create their digital storefront on Instamojo, making it easy for customers to explore products or services and make payments. For e-commerce companies in particular, this functionality is really helpful.

Comprehensive Dashboard

Instamojo provides users with a user-friendly dashboard that offers insights into sales, customer data, and payment history, helping businesses make informed decisions.

CC Avenue

CCAvenue is one of the oldest and most trusted payment gateways in India. It is widely used by businesses of all sizes, including large enterprises. With more shopping carts integrating daily, CCAvenue is the most popular payment gateway for many of them.


Wide Range of Payment Options

CCAvenue supports a vast array of payment methods, including credit cards, debit cards, net banking, and digital wallets, making it suitable for businesses with a diverse customer base.

Multi-Currency Support

For businesses with international customers, CCAvenue offers multi-currency support, allowing them to accept payments in various foreign currencies.

Analytics and Reporting

CC Avenue provides detailed analytics and reporting tools to help businesses track their transactions, identify trends, and make data-driven decisions.

Integration Options

CCAvenue offers multiple integration options, including ready-made shopping cart plugins and APIs, making it accessible to businesses with different technical requirements.



  1. Seamless Integration

Razorpay offers effortless integration with websites and mobile applications. Its developer-friendly API allows businesses to seamlessly incorporate payment processing capabilities into their platforms. This means you can start accepting payments online without a hitch, enhancing the overall user experience.

  1. Multiple Payment Modes

One size doesn’t fit all when it comes to payment preferences. Razorpay recognizes this and offers a wide range of payment options. Customers can pay using credit cards, debit cards, net banking, UPI, wallets, and even international cards. This extensive choice ensures that you can cater to a global audience with diverse payment preferences.

  1. International Transactions

Expanding your business globally? Razorpay enables you to accept payments from customers around the world. It supports multiple international currencies, making cross-border transactions smooth and hassle-free.

  1. Secure and Compliant

Security is paramount in online payments. Razorpay employs stringent security measures, including 2-factor authentication, to safeguard sensitive customer data. Moreover, it is compliant with industry standards like PCI DSS (Payment Card Industry Data Security Standard), ensuring that your business adheres to the highest security protocols.

  1. Advanced Analytics

Understanding your customers’ payment behaviour is crucial for business growth. Razorpay provides detailed analytics and insights into your transactions. You can track successful payments and failed transactions, and even identify trends to make informed business decisions.

  1. Subscription Billing

For businesses offering subscription-based services, Razorpay simplifies recurring payments. It supports various billing models, allowing you to set up monthly, quarterly, or annual subscriptions effortlessly. Automated billing reduces manual intervention and ensures timely payments.

  1. Smart Routing

Razorpay employs smart routing technology that optimizes payment success rates. It automatically routes transactions through the most reliable and efficient payment gateway, reducing the chances of payment failures.

  1. Mobile Optimization

With the proliferation of smartphones, mobile optimization is key. Razorpay offers a mobile SDK (Software Development Kit) that enhances the mobile payment experience. It’s responsive, user-friendly, and designed to boost conversion rates on mobile platforms.

  1. Multi-Currency Support

In an increasingly globalized world, accepting payments in multiple currencies is essential. Razorpay supports over 100 international currencies, allowing businesses to expand their reach and cater to a diverse customer base.

  1. Excellent Customer Support

A responsive and knowledgeable support team can be a game-changer. Razorpay provides excellent customer support to assist businesses with any payment-related issues or inquiries promptly.

Bill Desk


  1. Diverse Payment Options

BillDesk offers a wide range of payment methods to cater to various preferences. Whether it’s credit cards, debit cards, net banking, UPI (Unified Payments Interface), or mobile wallets, BillDesk supports an array of options. This ensures that users can make payments using their preferred method, enhancing convenience and flexibility.

  1. Robust Security Measures

Security is a top priority in the world of online payments, and BillDesk takes this matter seriously. The payment gateway employs cutting-edge security protocols to safeguard user data and financial information. With secure socket layer (SSL) encryption and multi-factor authentication, BillDesk ensures that your transactions are protected from potential threats.

  1. Seamless Integration

For businesses, integrating BillDesk into their online platforms is a breeze. The payment gateway offers seamless integration options, making it simple to incorporate into e-commerce websites and applications. This integration enhances the overall user experience by providing a smooth payment process for customers.

  1. User-Friendly Interface

One of BillDesk’s standout features is its user-friendly interface. You don’t need to be a tech expert to navigate the platform effortlessly. Whether you’re a business owner managing transactions or an individual paying bills, BillDesk’s intuitive design makes the process straightforward and stress-free.

  1. Bill Payment Services

BillDesk goes beyond traditional payment gateways by offering bill payment services. Users can conveniently pay their utility bills, credit card bills, insurance premiums, and more, all from a single platform. This feature eliminates the need to visit multiple websites or stand in long queues to settle bills.

  1. Subscription Management

For businesses that rely on subscription-based models, BillDesk offers subscription management services. This allows businesses to efficiently manage recurring payments and subscriptions, reducing administrative overhead and ensuring a steady stream of revenue.

  1. Transaction History and Reporting

BillDesk provides users with access to their transaction history and detailed reports. This feature is invaluable for businesses that need to keep track of their financial data for accounting and analysis purposes. Users can easily retrieve past transaction details and generate reports as needed.

  1. Mobile Accessibility

In today’s mobile-centric world, BillDesk ensures that users can access their payment gateway on the go. The platform is mobile-responsive, allowing users to make payments and manage their accounts using smartphones and tablets.

  1. Prompt Customer Support

Should you encounter any issues or have questions, BillDesk offers prompt customer support. Their knowledgeable support team is ready to assist with any inquiries or problems you may encounter during your payment journey.


 There are several outstanding options to select from when it comes to the top 5 online payment gateways in India. These payment gateways are excellent for all kinds of enterprises and individuals because each one of them has special features and benefits. You can discover a good solution among these top picks whether you value simplicity of use, security, or a variety of payment options. The ideal online payment gateway for you will ultimately depend on your unique requirements and preferences, so it’s critical to thoroughly consider each choice and decide which one best supports your company’s objectives and client demands.