Best Payment Gateways in India for 2025 – Features, Pros & Cons

Choosing a best payment gateways in 2025 for any business can be a difficult decision to make. With the expansion of online transactions and the simplicity of making a purchase online, the necessity for a smooth payment journey is greater than ever, meaning that selecting the right payment gateway is vital to the success of your business.

This guide is for startup brands, D2C brands, SaaS companies, freelancers, and anyone with an online payments journey who wants to refine it.

Best Payment Gateways in India Overview

Razorpay Payment Gatway – Best for Startups and SMEs

Razorpay is one of India’s top payment gateways, known for its attractive design and robust set of features. 

• Key Features: It supports UPI, credit/debit cards, net banking, and wallets. It also offers features such as smart routing and automatic reconciliation.
• Ideal For: Start-ups and small to medium-sized enterprises looking for a full-featured payment gateway solution. 
• Pros: Easy to integrate, great customer support, and multiple payment options.
• Cons: Transaction fees can add up quickly for companies with high transaction volumes.

Cashfree Payment Gatway – Fast Settlements for D2C Brands

Cashfree is gaining some momentum based on its instant payment solutions features being convenient on the platform.

• Key Features: Instantly refunds, UPI payments, easy to API integration & implementation
• Ideal For: Fast payment processing for e-commerce platforms and D2C brands.
• Pros: Low settlement fee, quick settlements, and prompt assistance
• Cons: Few global payment choices

PayU Paymet Gateway – Feature-Rich Gateway for Large Enterprises

PayU is a reputed and modern payment gateway that believes in providing diverse services and a feature-rich platform to large enterprises. 

• Key Features: The advanced analytics and worldwide coverage with a variety of payment options make PayU extremely popular.
• Ideal For: Large businesses and enterprises seeking a powerful payment solution.
• Pros: High levels of security, great reporting tools. 
• Cons: Most of the other smart payment gateways are cheaper than PayU.

Read More: PayUMoney Payment Gateway Integration in PHP

Instamojo Payment Gatway – Hassle-Free Payments for Freelancers and Small Businesses

Instamojo Freelancers and sole proprietors who are looking for a simple solution to start receiving payments online will find Instamojo useful.

• Key Features: Instamojo offers payment links; it is hassle-free and allows accepting money via various payment modes.
• Ideal For: Freelancers and small businesses, which require a convenient solution when it comes to payment processing.
• Pros: There is no set-up fee; it is easy to use.
• Cons: Not very feature-rich in terms of supporting larger and more serious businesses.

CCAvenue Payment Gatway – Trusted Solution for Established Businesses

CCAvenue is a veteran payment gateway in India. It’s reliable and packed with features.

• Key Features: Multi-currency payment, custom payment pages, and fraud detection.
• Ideal For: Great for long-established players needing an end-to-end payment solution.
• Pros: Many payment options and great security.
• Cons: The user interface has a lot of complexity not suitable for new users.

Justpay Payment Gatway – Developer-Friendly Gateway for Tech-Driven Startups

Justpay is a newer service. However, Justpay is capturing users quickly due to ease of use.

• Key Features: Simple integration, UPI support, and a focus on developers.
• Ideal For: Startups and tech-savvy businesses looking for a quick setup.
• Pros: Low fees and straightforward API.
• Cons: Limited customer support options.

Billdesk Payment Gatway – Reliable Choice for Enterprise-Grade Integrations

Billdesk is a trusted name in the payment gateway space, especially for larger enterprises.

• Key Features: Custom solutions, extensive reporting, and strong security.
• Ideal For: Large enterprises that need tailored payment solutions.
• Pros: High reliability and excellent customer service.
• Cons: Higher fees and complex integration process.

Key Factors to Consider the Best Payment Gateways for your Business

When choosing a payment gateway, consider the following factors:

• Fees: Look for transparent pricing structures and understand the transaction fees involved.
• Integration: Ensure the gateway can be easily integrated with your existing systems.
• Support: Reliable customer support is essential for resolving issues quickly.
• UPI Support: With UPI gaining popularity, ensure your chosen gateway supports it.
• Global Reach: If you plan to expand internationally, consider gateways that offer multi-currency support.

Summary of Top Picks Payment Gateways Based on Business Type/Size

• Startups: Razorpay, Justpay
• E-commerce/D2C: Cashfree, Instamojo
• Large Businesses: PayU, CCAvenue, Billdesk
• Freelancers/Small Businesses: Instamojo, Cashfree

Frequently Asked Questions (FAQs)

Q. What is a payment gateway?
A. A payment gateway is a service that authorizes and processes online payments for e-commerce businesses.

Q. How do I choose the best payment gateway for my business?
A. Consider factors like fees, integration ease, customer support, and the payment methods you need.

Q. Are there free payment gateways available?
Yes, some gateways like Instamojo offer free payment links, but they may charge fees for transactions.

Q. What are UPI payments?
UPI (Unified Payments Interface) is a real-time payment system that allows users to link multiple bank accounts to a single mobile application.

Q. How do payment gateway fees work?
A. Payment gateways typically charge a percentage of each transaction along with a fixed fee. It’s important to review these fees before choosing a gateway.