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Thursday, 14 December 2017

Which are the top payment gateways in India?

India is up for the ride of digitization. People now have trust on paying online for their purchases. They have access to all the online payment mediums, like credit card, internet banking, several wallets, debit cards, etc. The trend has encouraged many retailers to go online via websites and apps.
To sell through the internet, retailers need integrating payment methods to their websites and apps so that they can accept payment for purchases via online methods.
Now if you also want to be the part of this game, you will need a website or app which is integrated to a payment gateway system. You will also need finding the best payment gateway services out there. No doubt your developers will help you suggestthe best option available but when money is involved, you must also have information how deeply you understand they play.

The top most payment gateway in India is CCAvenue.  All financial institutions in the country have authorized CCAvenue for accepting online payments. They accept and validate the internet payments via credit card, debit cards, net working, ATM-cum-debit cards, mobile payment cash cards, etc.
  • Setup Fee: Rs. 0
  • TDR% : Credit Cards – 1.99%, Debit Cards – 1.99%,  Net Banking – 2.99%
  • AMC: Rs 3600 (Waived for 1st Financial Year from the date of Activation)


PayuBiz is another most popular payment gateway available in the market. Offering some pretty good features, PayuBiz currently charges the lowest TDR in the market. Leading online retailers like Snapdeal, Jabong, BookMy Show and Ferns and Petals are already using PayuBiz. Their payment process seems to be more customer-friendly than others. Also, they have been maintaining good customer service levels, too.

  • Setup Fee: Rs. 4900
  • TDR% : Credit Cards – 3.9%, Debit Cards – 3.9%, Net Banking – 3.9%
  • AMC: Rs 2400 (Waived for 1st Financial Year from the date of Activation)


E-Billing Solutions (EBS) is also a widely adopted payment gateway system owned as a subsidiary byIngenico Group, a global leader in seamless payment. Now EBS provides world-class products and solutions to supplement its existing service range.

  • Setup Fee: Rs. 4799
  • TDR% : Credit Cards – 3.75%, Debit Cards – 1.5%, Net Banking – 3.75%
  • AMC : Rs 2400


DirectPay is also getting recognition as a one-stop payment gateway provider for retailers selling goods and services online. They also let retailers accept payment through cash, checks and demand drafts with an ease. Retailers can accept payment through multiple payment modes like credit cards, internet banking, debit cards, mobile payments, etc.

  • Setup Fee: Rs. 5000
  • TDR% : Credit Cards – 6.5%, Debit Cards – 6.5%, Net Banking – 6.5%
  • AMC : Rs 2400

Atom Payments

The Atom payment was founded in 2006. The payment gateway company provides payment services to B2B and B2C companies through Online, IVR, Mobile, and POS

  • Setup Fee: Rs. 35,000
  • TDR% : Credit Cards – 2.99%, Debit Cards – 2.99%, Net Banking – 2.99%
  • AMC : Rs 2400


Paytm is the new enterer in the payment gateway market and the company has also been refining the experiencing. Their user interface is quite user-friendly in comparison to others. Paytm is now powering major online sites like Snapdeal, Homeshop18, ITC Hotels, Dishtv, PVR, Bagittoday.com, and several others.

  • Setup Fee: Rs. 5000
  • TDR% : Credit Cards – 2.9%, Debit Cards – 2.9%, Net Banking – 2.9%
  • AMC : Rs 2400


PayU India, the flagship company of Naspers group, provides the state-of-the-art solutions for payment gateway integration. As a consumer facing brand PayU allows merchants as well as buyers. Also, the company provides several tools helping them in growing their sales and accepts payment anytime, anywhere

  • Setup Fee: ZERO
  • TDR% : Credit Cards – 2.0% || Debit Cards – 2.0% || Net Banking – 2.0%
  • AMC: NIL

Here are the things you need to pay attention on while choosing a payment gateway system
·         Cost of payment gateway integration includes a one-time set-up fee, commission on every transaction as well as annual maintenance charges.
·         Integrating a payment gateway is similar to open a bank account in bank. It’s important that you choose a company which is proactive in helping their customers and provides the best services possible.
·         Do not choose a payment gateway because it charges less fees but choose because it’s user interface is user-friendly.

Author Bio :- Sofia is a digital marketing expert in Rapidsoft technologies, a prominent mobile app development company which provides iOS and android app development services across the global. She loves to write on latest mobile trends, mobile technologies, startups and enterprises

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