🇮🇳India

Payment gateways for India.

UPI drives ~70% of Indian ecommerce checkouts. Cards + COD handle the rest. International cards + Apple Pay exist but rare for domestic buyers.

9 gateways available2 native to India

Where are most of your buyers? *

🇮🇳 India — what you need to know

UPI drives ~70% of Indian ecommerce checkouts. Cards + COD handle the rest. International cards + Apple Pay exist but rare for domestic buyers.

Popular methods here: UPI · Credit / Debit Cards · Net Banking · Local wallets · Cash on Delivery · EMI / Installments

Filter by platform (optional)

Must support these methods (optional)

🇮🇳 9 gateways in India

Native-in-country gateways first

Razorpay

Native

HQ Bangalore, India

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Default for Indian merchants — cleanest API, best dashboard, widest integrations

Domestic cards2% + GST (domestic Visa/MC) · 2% (Amex)

UPI0.4-0.8% + GST (varies by MDR waiver rules)

International cards3% + GST

Local methodsWallets 1.99% + GST · Net Banking ₹10 flat + GST

Settlement: T+2 business days (faster tier T+0/T+1 on paid plans)

Supports

Credit / Debit CardsUPINet BankingLocal walletsEMI / InstallmentsCash on DeliveryInternational cards

Integrates with

Shopify WooCommerce BigCommerce Magento (Adobe Commerce)Dukaan Ecwid by Lightspeed SureCart (WordPress)FluentCart (WordPress)

Good to know

Requires GSTIN + PAN for onboarding. Indian business entity needed.

Cashfree Payments

Native

HQ Bangalore, India

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Faster settlements than Razorpay at similar rates — growing Indian merchants

Domestic cards1.75% + GST (competitive)

UPI0.4-0.5% + GST

International cards3% + GST

Local methodsWallets 1.75% · Net Banking ₹10 flat

Settlement: T+0 / T+1 (competitive advantage vs Razorpay T+2)

Supports

Credit / Debit CardsUPINet BankingLocal walletsEMI / InstallmentsCash on Delivery

Integrates with

Shopify WooCommerce Magento (Adobe Commerce)Dukaan

Good to know

Strong B2B payouts product. Good choice for subscription businesses.

PayU India

HQ Gurugram, India (Naspers)

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High-volume Indian merchants — flat UPI fee beats percentage-based at ~₹5L+/mo

Domestic cards1.9-2% + GST

UPIFlat ₹2 + GST per transaction (advantageous at high volume)

International cards3-3.5% + GST

Local methodsWallets 1.9% · Net Banking ₹10 flat

Settlement: T+2 business days

Supports

Credit / Debit CardsUPINet BankingLocal walletsEMI / InstallmentsCash on Delivery

Integrates with

Shopify WooCommerce Magento (Adobe Commerce)PrestaShop OpenCart

Good to know

Enterprise-first. Negotiated rates often 20-30% better than list.

CCAvenue

HQ Mumbai, India

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Legacy Indian ecommerce (been around since 2001). Strong on intl card acceptance.

Domestic cards1.75% + GST

UPI0.5% + GST

International cards2.5% + GST

Settlement: T+2 business days

Supports

Credit / Debit CardsInternational cardsNet BankingLocal walletsEMI / InstallmentsUPI

Integrates with

WooCommerce Magento (Adobe Commerce)PrestaShop OpenCart

Good to know

Older UI/dashboard vs Razorpay/Cashfree. Still solid for established merchants.

Instamojo

HQ Bangalore, India

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Simplicity — single flat rate, fastest onboarding, payment links without a website

Domestic cards2% + GST (flat across all methods)

UPI2% + GST (higher than competitors)

International cards3% + GST

Settlement: T+3 business days

Supports

Credit / Debit CardsUPINet BankingLocal walletsEMI / Installments

Integrates with

WooCommerce Shopify

Good to know

Higher UPI rate than Razorpay/Cashfree — avoid at scale if UPI is your main rail.

2Checkout (Verifone)

HQ Atlanta, USA

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Merchant-of-record (MoR) service — handles global tax + compliance for digital goods

Domestic cards3.5% + $0.35 · 3.9% + $0.35 for SaaS/subs

International cards3.9% + $0.35

Settlement: Weekly

Supports

Credit / Debit CardsInternational cardsPayPalLocal wallets

Integrates with

Shopify WooCommerce BigCommerce Magento (Adobe Commerce)PrestaShop OpenCart

Good to know

MoR model is unusual — 2C collects + remits VAT/GST in ~200 countries on your behalf.

dLocal

HQ Montevideo, Uruguay

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Global merchants wanting ONE gateway for all emerging markets (LatAm + Africa + South Asia)

Domestic cards~3% (Brazil) · varies by country

Local methodsPix 1% · Boleto 3% + fixed · OXXO 3.5%

ExtraSettlement FX conversion: ~2-3% if settling to USD

Settlement: T+3 to T+7 (settlement in USD available)

Supports

Credit / Debit CardsPixBoleto BancárioOXXOBank transferLocal wallets

Integrates with

Shopify BigCommerce Magento (Adobe Commerce)

Good to know

Settlement in USD simplifies cash management for non-local businesses.

PayPal

HQ San Jose, USA

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Global trust — older + cross-border buyers expect it

Domestic cards2.9% + $0.30 (US) · 1.2% + £0.30 (UK, domestic PayPal-to-PayPal)

International cards4.4% + fixed (cross-border)

Local methodsPayPal wallet-to-wallet: 2.9% + $0.30

Settlement: Instant to 3 business days

Supports

Credit / Debit CardsInternational cardsPayPalKlarna (BNPL)Afterpay / Clearpay (BNPL)

Integrates with

Shopify WooCommerce BigCommerce Wix eCommerce Squarespace Magento (Adobe Commerce)Ecwid by Lightspeed SureCart (WordPress)FluentCart (WordPress)PrestaShop OpenCart Weebly by Square

Good to know

Account freezes are a real risk — don't use as your sole gateway.

Telr

HQ Dubai, UAE

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UAE + Saudi merchants with some Indian cross-border volume

Domestic cards2.79% + AED 1

International cards3.5% + AED 1

Settlement: T+3 business days

Supports

Credit / Debit CardsInternational cardsApple PayBank transfer

Integrates with

Shopify WooCommerce Magento (Adobe Commerce)PrestaShop

Negotiate better rates — at volume, list prices are opening offers.

Above $50k/month in processing volume, every gateway negotiates. Book a call and I'll walk through which gateways to approach, what to ask for, and the ranges to target based on 500+ merchant negotiations.

Book a call · $29

How this data is sourced + kept fresh

Rates, payment method availability, and country coverage are compiled from published rate cards as of 2026, cross-checked against what our clients actually pay. We refresh quarterly.

Rates are typical published figures. Your actual rate depends on volume, business category, and negotiation. Above $50k/month in GMV, expect 20-40% below list prices.

Not affiliate. We don't earn commission for gateway signups. Rankings are based on country-fit + payment method coverage, not sponsorship.

Questions about India

People ask us these a lot.

What's the best payment gateway for India ecommerce?+

For India, the native gateways are typically your best starting point: Razorpay, Cashfree Payments. They have the strongest integrations with local payment methods (UPI, Credit / Debit Cards, Net Banking) and fastest onboarding for local merchants. Cross-border merchants often layer a global gateway like Stripe on top for international card acceptance.

Which payment methods do India buyers expect at checkout?+

UPI drives ~70% of Indian ecommerce checkouts. Cards + COD handle the rest. International cards + Apple Pay exist but rare for domestic buyers.

How many gateways support India?+

We track 9 major payment gateways available in India: PayPal, 2Checkout (Verifone), Razorpay, Cashfree Payments, PayU India, CCAvenue, Instamojo, Telr, dLocal. Use the tool above to filter by your platform (Shopify, WooCommerce, etc.) or by specific payment methods you must support.

Do international cards work in India?+

Most gateways available in India support international cards, but at higher rates — typically 1-1.5% above domestic. For cross-border revenue above 30% of your mix, pick a gateway with good international card handling (Stripe, Adyen, PayPal are strongest).

Navigating India payments feels complex — because it is.

Book a 30-minute call and I'll walk through the gateway picks, platform integration, and negotiation approach specific to your India business.

Book a call · $29