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Top 5 Payment Processing Gateways in India

If you are running a shop, service or any type of eCommerce business in India to sell your products online, then you probably need a good payment processing gateway which enables you accepts all sorts of payments like internet banking, Debit cards, Credit Cards, Cash cards & Mobile transfer on your website.

You may be aware of PayPal; PayPal is the world’s most popular Credit Card payment processor, accepts almost all sorts of credit cards in all countries. Due to its popularity PayPal has lots of rules and regulations which may create trouble for completing transactions for some peoples. Due to RBI’s Guidelines PayPal doesn’t accepts Indian credit cards for transactions within India too.

If your ecommerce business primarily targets Indian customers then PayPal is not for you. In this post you will find top 5 payment processing gateways in India with detailed comparison, features and differences of their offered services.

You may also be intrested in Top 5 Paypal Alternatives


CC Avenue currently powers 85% of total Indian eCommerce websites to make all their transaction successful with ease. CCAvenue supports 100+ payment options including 5 Major Credit cards, 52+ Indian Debit Cards, 55+ Net Banking, 4 Cash Cards and 2 Mobile payment options. Its customer’s choice to pay with the suitable options.

You can sign up with CCAvenue as individual, Business or corporate with required Documents as requested by CCAvenue for Agreement. If your website is new and you can’t afford to pay huge setup fees, you can start with their Economy plan with “Zero” Setup Fee but you have to pay higher Transaction charges, check their pricing plans and get started. It is the best payment processor you can go with.

PROS: 100+ Payment Options, Easy to integrate with any shopping carts, Instant Activation and available for individuals, complete integration documentation.

CONS: Affiliates and Forums links not allowed on your site, you can only sell products mentioned in the agreement, Transaction Gateway available only for one site.

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DirecPay provides a cost effective and secure payment transaction environment with 35+ Net Banking, 1 Cash card, 53+ debit Cards, 4 Credit Cards and 1 Mobile payment gateway. With direcpay you can accept Credit cards, Debit Cards, net Banking and mobile payments, all under one roof. It comes as pre-integrated scripts and plugins for all major third party shopping carts that enables you to start accepting payments instantly.

DirecPay can be integrated with any script with few steps it’s easy to use and comes with complete integration documentation after your application is approved.

You can only be in relation with DirecPay payment gateway as a Registered Company, individuals are not allowed to sign up.

PROS: Accept all major credit cards, debit card, net-banking and mobile payments, instant integration, pre-integrated third shopping cart, complete integration documentation

CONS: Not for individuals, Payment gateway for 1 site only.

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PayU India

PayU India is another one-stop payment gateway offers 4 major credit cards, All debit cards including Maestro, 33+ Net-banking options, EMI options on HDFC, ICICI, AXIS etc…, cash cards, mWallets, IVR Payments and Email Invoicing. You can start with Economy plan as low as INR6000/- setup fees.

PROS: Email Invoicing, easy integration, One-stop payment solution, fast activation & integration.

CONS: Not for individuals, only 1 site payment gateway

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EBS Payment Gateway

EBS payment Gateway currently covers 97% of online payment options through 5+ Credit cards, 50+ Debit cards, 5+ cash cards,8+Emi, 30+ IMPS, 30+ Net-banking and E-wallet-PayPal transaction options. Ebs also enable you to accept international payments & multi-currency. It also offers integration kits for popular ecommerce and shopping cart scripts.

You can start with their Bronze plan, as low as INR12,000/-

PROS: Low Monthly maintenance costs, lowest setup fees as well as transaction charges, easy integration, integration kits.

CONS: Business Registration only,

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