Top 4 Online Payment Gateway In India 2022

Payment Gateway

A payment gateway is a technology used by merchants to accept debit or credit card purchases from customers. The term includes not only the physical card-reading devices found in brick-and-mortar retail stores but also the payment processing portals found in online stores.

When it comes to fintech, we remember Payment and banking systems and, In this blog, you are gonna get a detailed explanation of the Online Payment Gateway In India 2021.

The circumstances that we are living in have pushed us towards digitalization. We are now being comfortable with digitalize payment, credit cards.

Now, let’s move towards the main topic,

Below are the Top 4 online  payment gateway in India 2021,






Harshil Mathur is CEO and co-founder of Razorpay since 2014 December. Razorpay has become one of the top payment gateways of India. 

This online payment gateway accepts payment from customers and automates payout to vendors and employees. Debit cards, credit cards, net banking, UPI, and wallets like JioMoney, Mobikwik are accessed in Razorpay. Great player of the market like Unacademy, UrbanClap, Zoomcar,Groofers, Bookmyshow has been using Razorpay payment gateway. Razorpay is one of the most lovable payment gateways of India. you can manage your businesses in Razorpay and also automate your business. 

Razorpay also gives you a Razorpay router API, where you would be able to integrate with Magento 2  . And helps you to manage money flow and split money payment between partners or individual  person.

This payment gateway has tools that will automate your business to accept online payment with a good customer experience. some of the features of Razorpay are,

Instant activation,

Easy integration,

API Driven,

100+ payment modes,

Simple Pricing,

Best in industry support,

Dashboard reporting,

And Security

It has 2% to 3% transaction fee depending upon payment mode.

It offers 100+ payment options with the UPI auto-pay system.

2. Instamojo

Instamojo is one of the largest full-stack SME platforms. However, This is the easiest way to build your business online, where you will get functional online stores, built-in marketing tools, and more. Instamojo supports 15 lakh + Indian independent businesses with online stores.

This has an online setup, where you would be able to set up your own store, with an easy payment gateway attached to it. Instamojo handles your CRM, analytics, and shipping too.

You can start your journey with a free plan Instamojo and you can upgrade your plan later.

Instamojo has features of eCommerce mobile app, convenience fee, team accounts, bank transfer, credit book.

It has zero setups and maintenance costs. It takes 2% plus Rs 3 per transaction on domestic credit and debit cards, net banking, UPI, and wallet too. And it takes 3% plus Rs 3 per transaction for international cards.

3. Paypal:

Paypal is an international financial service company. It is also one of the popular online payment gates in India 2021. Freelancers are more flexible to get paid through PayPal in India.

Yes !! you can start using PayPal not only in India but, wherever you go around the globe.

If you want to know how to get started with PayPal, you can start by signing up with a PayPal account. Then you can link your credit card /debit card and you can start transacting in PayPal.

Paypal has buyer protection, free return shipping. PayPal connects with more than 360 million users in the entire globe. Udemy, MakeMyTrip, ALT Balaji, Gaana and so many companies are customers of PayPal.

Paypal provides online security, fraud prevention, PCI compliance, phishing and live customer support, invoice and track sales. Paypal is secure with 128-bit SLL encryption, zero annual maintenance fee, and zero initial setup fee. However, this PayPal app is available both in ios and SDK for android too. However, It offers easy integration with websites and multiple payment methods. paypal also offers payment using QR codes. It is a secure and fast payment gateway.

It has 2% plus GST for the domestic transaction fee and 3% plus GST for the international translation fee.


CCAvenue is one of the top 5 online payment gateway founded in 2001, which is authorized by Indian financial institutions. They accept transactions through credit, debit cards, net banking and ATM card. CCAvenue also provides a secure link between websites.

85% of eCommerce merchants in the country are powered by CCAvenue. Therefore, CCAvenue has the capacity to process millions of transactions. However, It collects payments in 27major foreign currencies and allows you to pay in the currency as you are comfortable with. 

It has a multilingual checkout page offered in 18 major Indian and international languages with easy customization. similarly,it has smart dynamic routing, CCAvenue Checkout, card storage Vault, shopping card, marketing tools.

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