1. Razorpay

Razorpay is one of the most trusted gateways in India. It supports multiple payment modes.

Key Features:

• Instant activation

• Smart payment routing

• Integration with mobile and web apps

Pros:

• Easy to use

• High success rates

• Affordable pricing

Cons:

• Occasional technical glitches

Pricing: 2% per transaction

---

2. Paytm Payment Gateway

Backed by Paytm, this gateway is perfect for Indian users. It supports UPI, cards, and wallets.

Key Features:

• Easy integration

• Real-time settlements

• UPI-ready checkout

Pros:

• Trusted brand

• Mobile-friendly

• Great for startups

Cons:

• Limited features in the free plan

Pricing: 1.99% per transaction

---

3. Instamojo

Ideal for small businesses and solopreneurs. It offers quick onboarding and a clean dashboard.

Key Features:

• No setup fee

• Digital product selling

• Smart analytics

Pros:

• User-friendly

• Low transaction fees

• Built-in store feature

Cons:

• Limited international support

Pricing: 2% + ₹3 per transaction

---

4. CCAvenue

A legacy player in India’s payment space. Offers extensive customization and global coverage.

Key Features:

• 200+ payment options

• Multilingual support

• Real-time analytics

Pros:

• High-level security

• Global acceptance

• Scalable

Cons:

• Complex setup

Pricing: 2% per transaction

---

5. Cashfree Payments

Known for bulk payouts and API-rich environment. Works well for enterprises and eCommerce.

Key Features:

• Instant refunds

• UPI AutoPay

• Payouts to 100+ banks

Pros:

• Affordable

• Strong API support

• Reliable

Cons:

• Limited customer support

Pricing: 1.75% per transaction

---

6. PayPal India

Perfect for cross-border transactions. Trusted by freelancers and exporters.

Key Features:

• Global payments

• One-click checkout

• Invoicing

Pros:

• Worldwide trust

• Secure

• Seamless integration

Cons:

• High fees for Indian users

Pricing: 4.4% + fixed fee

---

7. PhonePe Payment Gateway

Emerging rapidly in the payment space. Strong backing from PhonePe’s ecosystem.

Key Features:

• Smooth checkout

• UPI-based payments

• Quick integration

Pros:

• Low-cost solution

• Mobile-first design

• High success rate

Cons:

• Still developing advanced features

Pricing: 1.8% per transaction

---

8. Juspay

Focused on improving checkout experiences. Ideal for apps needing speed and optimization.

Key Features:

• Fast checkout

• Custom UI options

• Secure card vault

Pros:

• Lightweight SDKs

• Excellent mobile UX

• Advanced features

Cons:

• Not beginner-friendly

Pricing: Custom pricing

---

9. PayU India

Well-known among mid to large-sized businesses. Offers smart risk management tools.

Key Features:

• Instant refunds

• Dynamic routing

• Detailed reports

Pros:

• Smart payment insights

• Great customer support

• Flexible pricing

Cons:

• Slight learning curve

Pricing: 2% per transaction

---

10. Easebuzz

Tailored for education, NGOs, and niche markets. Feature-rich and focused on compliance.

Key Features:

• Recurring payments

• Smart invoicing

• GST-ready

Pros:

• Budget-friendly

• Niche targeting

• Clean UI

Cons:

• Not ideal for global payments

Pricing: 1.75% per transaction

---

Comparison Table (At a Glance)

Gateway	Best For	Pricing	Global Support	Setup Ease
Razorpay	All businesses	2%	Yes	Easy
Paytm	Startups	1.99%	No	Easy
Instamojo	Small biz	2% + ₹3	Limited	Very Easy
CCAvenue	Enterprises	2%	Yes	Medium
Cashfree	Payouts	1.75%	Yes	Easy
PayPal	Freelancers/Export	4.4% + fee	Yes	Easy
PhonePe	UPI-based apps	1.8%	No	Easy
Juspay	App-based UX	Custom	Yes	Medium
PayU	Midsize companies	2%	Yes	Medium
Easebuzz	Niche categories	1.75%	No	Easy

---

Final Thoughts

Choosing a payment gateway depends on your business type, size, and customer needs. Prioritize ease, cost, and security. Test multiple platforms if needed before committing.