What are Payment Gateways? Best 5 Online Payment Gateways in India

Top Online Payment Gateways in India for Small and Large Businesses and Startups in 2022.

In the last few years, India has gotten more startups than in the last decade, and in the year 2022 alone there were more than 100 Unicorns (whose valuation crosses $1 Billion) startups most of them are from fintech and education sectors because of the pandemic was also one of the primary reasons why educational startups were at the high spike.

And because of digitalization India now outranks china becoming the most online transaction in the world. To achieve this success we have various payments startups that helped to reach that mark, So here is the list of top online payment gateways in India that any small-scale business and startup can use to make their payment processing easy.

What are Payment Gateways

Payment Gateways are the medium that process payment on various platforms like Flipkart, Amazon, and other online platforms.

Payment Gateways act as the medium between the user and the banks while using a platform.

Top 5 Payment gateways in India


Razorpay is a payment solution in India that allows businesses to accept payments with its product suit. It gives you access to all payment modes including credit card, Debit card, net banking, UPI, and other popular wallets like JioMoney, MobiKwik, Airtel Money, FreeCharge, OlaMOney and PayZapp.

You can manage your marketplace, automate bank transfers, collect reoccurring payments, share invoices with customers and avail of working capital loans – you can do all these things on a single platform.

Features :

  1. Get Activated and transect withing 2 minutes. complete online onboarding with minimum documentation.
  2. You can easily integrate on your platforms with plugins.
  3. Low pricing.
  4. Real-time data on your dashboard.
  5. Instant settlement, as soon as your account get activated.
  6. 100+ Payment methods.


PayGlocal is another reputed payment gateway in India. PayGlocal provides best security to its transactions that’s why it’s a good choice for businesses. It is fast, secure reliable and also supports international payments transaction.

It provides merchants a baseboard with every transaction details, which helps them to manage and plan their business easily.


  1. Fast and secure.
  2. support multiple payment methods.
  3. You can easily integrate it with your website.
  4. Accepts payments in native as well as foreign currency.
  5. Ensures a smooth checkout experience.

Ultimate Guide to Set up Online business in 2022 Full Guide Here.


BillDesk is one of the most trusted online payment gateways in India. It is also one of the first companies which provide payment processing services for businesses established in 2000.

BillDesk payment solution helps businesses whether small or large to accelerate their growth and digital transformation. It supports more than 170 payment methods.

BillDesk allows customers to pay bills such as telephone, electricity, credit card, insurance, gas, and many more. through their bank accounts.


  1. More than 170 payment option.
  2. Safe and secure.
  3. Regular reminders for bill payments.
  4. 24*7 support


Paytm is the platform which transformed the whole picture of digital payments in India, it came in the limelight when demonetization took place.

It was designed so simply that even if someone is using online transactions the first time, they can easily do it without reading any manuals.

Small businesses and popular companies like Zomato, Uber Swiggy and thousands of other are using Paytm Payment Gateway for their payment processing.


  1. Easy to integrate.
  2. 100+ Payment sources.
  3. India’s most used platform.
  4. Supports all domestic credit and debit cards.
  5. You can pay without a website or apps through links.


Cashfree is the cheapest online payment gateway in India among all the Indian payment gateway lists. This platform offers fast, reliable, and secure payment service and also an instant refund policy.

Cashfree collects payments send payouts, manages international payments, and many more. You can transfer money to any bank account, UPI id or Amazon Pay wallet 24×7, even on a bank holiday.


  1. Low Transaction fee.
  2. Easy to set up.
  3. High security.
  4. Auto collection of payments.
  5. Instant refund.
  6. Accept international payments.

Hello, I'm Praveen, a seasoned blogger with a rich background spanning 3 years. My niche revolves around small business, startups, and novel money-making concepts. Dive into my blog for expert insights, practical tips, and inspiring stories tailored to fuel your entrepreneurial spirit. Let's navigate the dynamic world of business together, turning ideas into profitable ventures.

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