In 2025, running an e-commerce business in India requires a seamless payment gateway to provide customers with secure, fast, and efficient transactions. With digital payments growing rapidly, choosing the right payment gateway is crucial for boosting conversions and improving customer experience. Here’s a comprehensive list of the top 10 payment gateways for Indian e-commerce businesses in 2025, based on transaction security, ease of integration, and competitive pricing.
1. Razorpay
Features:
- Supports UPI, credit/debit cards, net banking, and wallets
- Subscription-based billing for recurring payments
- Instant settlements and real-time transaction tracking
- Developer-friendly APIs with easy integration
Pricing:
- 2% per transaction for domestic payments
- 3% per transaction for international payments
Best For:
Small to large businesses looking for an all-in-one solution with seamless integration.
2. PayU
Features:
- Accepts over 100 payment modes
- One-click checkout for faster transactions
- PCI DSS compliant for secure transactions
- Multi-currency support
Pricing:
- 2% per transaction for domestic payments
- 3% per transaction for international transactions
Best For:
Businesses looking for a user-friendly payment gateway with easy checkout options.
3. CCAvenue
Features:
- Supports major credit/debit cards, UPI, net banking, and wallets
- Dynamic routing for faster transaction processing
- Available in multiple Indian languages
- Real-time transaction tracking and analytics
Pricing:
- 2% to 3% per transaction, depending on the payment method
Best For:
Established businesses needing multi-currency and highly customizable payment solutions.
4. Instamojo
Features:
- Instant online store setup with built-in payment gateway
- No setup or maintenance fees
- Easy UPI and card payments
- Integrated invoicing and analytics dashboard
Pricing:
- 2% + ₹3 per transaction
Best For:
Small businesses and startups looking for a quick and easy payment solution.
5. Paytm Payment Gateway
Features:
- Seamless integration with Paytm Wallet & UPI
- Instant refunds and faster settlements
- No setup fees
- Strong security and fraud prevention measures
Pricing:
- 1.99% per transaction
Best For:
E-commerce platforms targeting mobile-first customers using UPI and wallets.
6. Cashfree Payments
Features:
- Fastest settlements (even within minutes)
- Bulk disbursal for vendor and salary payments
- PCI-DSS compliant for top-level security
- Multi-currency support
Pricing:
- 1.75% per transaction for domestic payments
- 3.5% per transaction for international payments
Best For:
Businesses needing fast settlements and payout automation.
7. Stripe India
Features:
- Supports subscription billing and on-demand payments
- Advanced fraud protection with machine learning
- Supports 135+ currencies
- API-first approach for custom integration
Pricing:
- 2.9% + ₹5 per transaction for domestic transactions
- 4.3% per transaction for international payments
Best For:
Tech-driven startups needing scalable and developer-friendly payment solutions.
8. Payoneer
Features:
- Best for cross-border payments and international e-commerce
- Supports multi-currency accounts
- Low currency conversion rates
- Secure and fast transactions
Pricing:
- 3% per transaction (varies based on location)
Best For:
Freelancers and businesses dealing with international clients.
9. BillDesk
Features:
- Supports credit/debit cards, UPI, wallets, and net banking
- Automated recurring billing for subscription services
- Widely used by government and utility service providers
Pricing:
- Custom pricing based on business requirements
Best For:
Large businesses and enterprises requiring customized payment solutions.
10. Juspay
Features:
- One-click UPI payments for faster checkouts
- Tokenization for secure card transactions
- Customizable checkout UI
- Works with multiple payment providers
Pricing:
- Varies based on transaction volume
Best For:
E-commerce businesses looking for a seamless UPI payment experience.
How to Choose the Best Payment Gateway for Your E-commerce Business
When selecting a payment gateway, consider the following factors:
- Transaction Fees: Lower fees improve your profit margins.
- Supported Payment Methods: Ensure compatibility with UPI, wallets, and major cards.
- Settlement Time: Faster settlements improve cash flow.
- Security & Compliance: PCI DSS compliance and fraud prevention measures are essential.
- Ease of Integration: Choose a gateway that works well with your e-commerce platform.
- Customer Support: Reliable 24/7 support ensures smooth operation.
Conclusion
Selecting the right payment gateway is a crucial decision for the success of your e-commerce business in India. Razorpay, PayU, and CCAvenue are great all-around options, while Stripe and Payoneer are ideal for international transactions. Instamojo and Cashfree offer cost-effective solutions for startups and small businesses. Evaluate your needs, compare pricing, and choose a payment gateway that aligns with your business goals.
With digital payments rapidly evolving, ensuring a secure and seamless payment experience for your customers will set your online store up for success in 2025.
What’s Next?
Planning to set up an e-commerce store? Read our guide on How to Become an Online Seller in India to kickstart your journey!
