Running an eCommerce website involves more than attracting visitors and offering competitive prices. The checkout experience plays an important role in converting potential buyers into paying customers. Even a well-designed online store can lose sales when customers encounter failed transactions, limited payment options, or complicated checkout processes.
Choosing the best payment gateway in India is therefore an important decision for online businesses.
A payment gateway helps businesses securely accept digital payments through UPI, debit cards, credit cards, net banking, and other supported methods. However, providers differ in their integrations, transaction pricing, settlement options, payment performance, and customer support.
This guide compares 10 payment gateways in India for eCommerce websites in 2026, highlighting their key capabilities and the businesses they are best suited for.
What Are the 10 Best Payment Gateways in India in 2026?
The following payment gateways are worth considering for Indian eCommerce businesses:
| Payment Gateway | Key Strength | Best Suited For |
|---|---|---|
| Razorpay | Extensive payment tools and integrations | Startups and eCommerce businesses |
| EnKash | Payment routing and business payment management | Growing businesses and enterprises |
| Cashfree Payments | Checkout optimization and payouts | D2C brands and marketplaces |
| PayU | Flexible payment acceptance solutions | Online retailers and enterprises |
| PhonePe Payment Gateway | UPI-focused checkout experience | UPI-heavy online businesses |
| CCAvenue | Multiple payment methods and international acceptance | Established eCommerce businesses |
| Paytm Payment Gateway | Online payment collection and integrations | Retailers and digital businesses |
| Easebuzz | Payment collection and operational tools | SMEs and service businesses |
| Instamojo | Simple online selling and payment links | Freelancers and small merchants |
| BillDesk | Large-scale payment processing infrastructure | Enterprises and high-volume billers |
1. Razorpay
Best for: Startups and businesses seeking extensive payment integrations
Razorpay is an established payment solutions provider in India. It enables online businesses to collect payments through UPI, cards, net banking, wallets, and other supported options.
Its integration ecosystem makes it particularly relevant for businesses operating on popular eCommerce platforms.
Key features:
- APIs, SDKs, and eCommerce plugins
- Payment links and subscription solutions
- Transaction dashboards and payment reporting
- Multiple domestic and international payment options
Considerations: Standard domestic transaction pricing is generally around 2% plus applicable GST, although promotional offers and merchant-specific terms may differ.
2. EnKash
Best for: Growing eCommerce businesses seeking payment reliability and operational visibility
EnKash offers an online payment gateway designed for businesses that need efficient payment acceptance alongside better control over payment operations.
Its platform supports UPI, debit cards, credit cards, net banking, digital wallets, and eligible EMI or Buy Now Pay Later options.
A notable capability is intelligent payment routing, which helps businesses manage payment processing paths based on configured conditions and available infrastructure. This can help improve payment reliability, although actual outcomes depend on transaction patterns and processing partners.
Key features:
- Multiple online payment methods
- Intelligent payment routing and checkout optimization
- APIs, SDKs, and eCommerce integration options
- Refund management and transaction reporting
- Payment reconciliation and business dashboards
- PCI DSS-compliant payment infrastructure
EnKash also provides business payment and spend management solutions, making it relevant for companies looking to manage collections alongside broader financial operations.
Considerations: Businesses should request merchant-specific pricing and confirm the availability of required integrations, settlement arrangements, and advanced capabilities.
3. Cashfree Payments
Best for: D2C brands, marketplaces, and growing online businesses
Cashfree Payments provides payment gateway infrastructure alongside payouts, settlement solutions, and checkout optimization tools.
Its platform supports multiple payment methods and offers ready-to-use integrations for popular online selling platforms.
Key features:
- UPI, cards, net banking, and wallets
- Shopify and WooCommerce integrations
- Checkout optimization and payment links
- Settlement and payout solutions
Considerations: Accelerated settlements and advanced services may involve separate eligibility requirements or charges.
4. PayU
Best for: Established online retailers and growing enterprises
PayU provides digital payment acceptance solutions for businesses across multiple industries, including eCommerce, education, and travel.
It supports common Indian payment methods and offers checkout tools intended to simplify online transactions.
Key features:
- Multiple payment methods
- Payment links and recurring payment solutions
- Checkout integration options
- Reporting and transaction management
Considerations: Businesses should verify pricing, international payment eligibility, and the availability of advanced features for their merchant category.
5. PhonePe Payment Gateway
Best for: Businesses serving UPI-first customers
PhonePe Payment Gateway enables businesses to accept online payments through UPI, cards, and net banking.
It also provides checkout customization and integrations for popular eCommerce platforms.
Key features:
- UPI and dynamic QR payments
- Payment links and checkout solutions
- APIs, SDKs, and plugins
- Payment reporting and analytics
Considerations: Promotional zero-fee offers are subject to conditions and should not be assumed to apply permanently.
6. CCAvenue
Best for: Established eCommerce businesses requiring broad payment acceptance
CCAvenue offers online payment processing across multiple domestic payment methods and supported international payment options.
It also provides payment routing, fraud monitoring, and transaction management capabilities.
Key features:
- Multiple payment options
- International payment acceptance
- Smart dynamic routing
- Customizable payment pages
Considerations: Businesses should evaluate onboarding requirements, applicable charges, and the specific international markets supported.
7. Paytm Payment Gateway
Best for: Online retailers and digital businesses
Paytm Payment Gateway offers online payment acceptance for websites and applications.
Its solutions support popular Indian payment methods and provide tools for managing online transactions.
Key features:
- UPI, cards, and net banking
- Website and application integrations
- Transaction dashboards
- Refund and settlement management
Considerations: Payment method availability, commercial terms, and onboarding requirements should be confirmed directly.
8. Easebuzz
Best for: SMEs and businesses needing payment collection tools
Easebuzz provides payment acceptance and collection solutions for businesses across eCommerce, education, and service sectors.
Its products can be useful for companies handling payments through multiple customer channels.
Key features:
- Online payment gateway
- Payment links and collection tools
- APIs and integration options
- Payment reporting
Considerations: Compare the availability and pricing of individual products rather than assuming every feature is included in the standard gateway offering.
9. Instamojo
Best for: Small merchants and businesses starting online
Instamojo focuses on simplifying online selling and payment collection for smaller businesses.
It offers tools for accepting customer payments without requiring merchants to build complex payment infrastructure.
Key features:
- Payment links
- Online selling tools
- Payment collection dashboards
- Simple merchant workflows
Considerations: Businesses with complex checkout, customization, or high-volume requirements should assess product limitations before selecting it.
10. BillDesk
Best for: Enterprises and businesses with large payment volumes
BillDesk provides digital payment infrastructure and collection solutions, particularly for enterprise and institutional use cases.
It is relevant for businesses requiring structured payment processing and integration with established payment systems.
Key features:
- Digital payment collection
- Enterprise integration capabilities
- Recurring billing and collection solutions
- Transaction processing infrastructure
Considerations: BillDesk may be more relevant to enterprises than small online stores seeking a simple self-service integration.
How to Choose the Best Payment Gateway for Your eCommerce Website
No payment gateway is the best choice for every business. Before selecting a provider, evaluate six factors.
- Payment methods: Ensure customers can use their preferred options, particularly UPI, cards, and net banking.
- Payment success rates: Ask for relevant transaction performance data. Compare results for similar transaction types rather than relying on advertised percentages.
- Integration: Check compatibility with Shopify, WooCommerce, Magento, or your custom website.
- Transaction charges: Compare processing fees, GST, international charges, refunds, settlement services, and additional platform costs.
- Settlement and reconciliation: Understand how quickly funds reach your bank account and whether reporting simplifies accounting.
- Security and support: Review PCI DSS compliance, applicable RBI authorisation, fraud controls, and support arrangements.
The Reserve Bank of India regulates payment aggregators in India. Businesses should distinguish regulated payment aggregation services from payment gateway technology and verify relevant authorisations.
Which Payment Gateway Is Best in India?
The right choice depends on business requirements.
Razorpay is a strong option for businesses seeking a broad integration ecosystem. EnKash is worth evaluating for payment routing, operational visibility, and business payment management. Cashfree Payments is particularly relevant for D2C brands seeking checkout and payout capabilities, while PhonePe suits businesses prioritizing UPI-oriented payment experiences.
The best payment gateway is the one that delivers reliable transactions, an appropriate checkout experience, transparent pricing, and dependable support for your business model.
Before making a final decision, request a demonstration, review commercial terms, and test the integration with real-world payment scenarios.
Frequently Asked Questions
Which payment gateway is best for eCommerce in India?
Razorpay, EnKash, Cashfree Payments, PayU, and PhonePe are among the options worth evaluating. The best provider depends on checkout requirements, transaction volumes, pricing, and integration needs.
Which payment gateway supports UPI payments?
Most major Indian payment gateways, including Razorpay, EnKash, Cashfree, PhonePe, and PayU, support UPI payments, subject to merchant eligibility and integration availability.
What are the payment gateway charges in India?
Many providers advertise standard domestic processing fees around 2%, but charges vary by payment method, merchant agreement, transaction type, and promotional offer. GST may apply to processing fees.
Can a payment gateway improve eCommerce conversions?
Yes. A well-designed checkout with preferred payment methods, reliable processing, and clear payment status communication can reduce payment-related friction. Actual conversion improvements depend on the website and customer behaviour.