Top 10 Best Payment Gateways for Ecommerce Websites in India 2025

In the fast-growing world of online shopping in India, choosing the best payment gateway for an ecommerce website is a key step for any business owner. 

A payment gateway acts like a bridge between your customers and your bank, making sure payments are safe, quick, and easy. 

India’s ecommerce market is booming, because of which payment gateways are also growing rapidly. So, Below we will give you the top 10 best payment gateways for ecommerce websites which helps to choose the best options for your online store. 

Top 10 Best Payment Gateways for Ecommerce website

1. Razorpay
2. Cashfree Payments
3. Paytm
4. CCAvenue
5. PayU
6. Instamojo
7. PhonePe
8. Easebuzz
9. PayKun
10. HDFC SmartGateway

Razorpay a Top Choice for Ecommerce Websites in 2025

More than 8,000 businesses in India trust Razorpay, making it one of the most widely used payment gateways. It supports more than 100 payment methods, including credit and debit cards, UPI, net banking from over 50 banks, mobile wallets like Paytm, and even EMI options. 

For ecommerce websites, Razorpay offers easy integration with platforms like Shopify, WooCommerce, and Magento, making it simple to set up. 

The transaction fee is 2% for domestic payments and 3% for international cards, with no setup or maintenance costs. 

Settlements happen within 3 days, and businesses can request instant settlements for faster cash flow. 

Razorpay also provides a user-friendly dashboard to track payments, refunds, and analytics, helping store owners manage their financial records easily. Its strong security features, like PCI DSS compliance, ensure safe transactions for customers.

Cashfree Payments Loved by Shopify Store Owners

Cashfree Payments is known for its low-cost and flexible solutions, making it a favorite for Shopify-based ecommerce websites. 

It offers over 180 payment modes, including UPI, credit and debit cards, net banking for 90+ banks, and digital wallets like PhonePe and Amazon Pay. 

With a transaction fee of just 1.75% for domestic payments, it’s one of the cheapest options in India. 

Cashfree’s instant settlement feature allows businesses to receive funds within 15 minutes, which is great for managing cash flow. 

The gateway integrates smoothly with platforms like WooCommerce, Magento, and OpenCart, and its dashboard provides detailed reports on transactions and settlements. Cashfree is also PCI DSS Level 1 compliant, ensuring high security for online payments.

Paytm Payment Gateway Support Small Businesses

Paytm is a household name in India, with over 300 million users, and its payment gateway is a solid choice for small ecommerce businesses. 

It accepts more than 100 payment options, such as mobile wallets, online banking, credit and debit cards, and UPI.  Because of its direct bank connections and smart navigation, Paytm offers a 100% payment success record.

The transaction fee is 2% for domestic payments and 4.99% for international cards, with 18% GST added. 

Settlements are quick, taking 1-2 days, and businesses can opt for same-day settlements. Paytm’s easy integration with platforms like Shopify and WooCommerce, along with its robust APIs, makes it simple to add to any website. 

The dashboard offers real-time analytics and automated reconciliation, helping small business owners save time.

CCAvenue: The oldest and most trusted payment gateways in India

Serving around 3 million merchants, CCAvenue is one of India’s oldest and most reputable payment gateways.

It supports over 200 payment methods, including UPI, credit and debit cards, net banking, and digital wallets. It’s also the first in India to offer Central Bank Digital Currency for ecommerce payments. 

The transaction fee is zero for the standard plan, but there’s an annual maintenance charge of Rs. 1,200 for startups. Settlements happen weekly for amounts above Rs. 1,000. 

CCAvenue integrates with major ecommerce platforms like Magento and OpenCart, and it offers a free storefront for businesses without a website. Its security features include PCI DSS compliance and fraud prevention tools, making it a reliable choice for online stores.

PayU a Great Option for Large Ecommerce Businesses

PayU is India’s largest payment gateway, used by over 30,000 merchants, including big names like Jabong and Myntra. 

It supports over 150 payment methods, such as UPI, credit and debit cards, net banking, EMI, and mobile wallets. PayU’s transaction fees start at 2% plus 18% GST, with tailored pricing for larger businesses. 

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Settlements are quick, often within 1-2 days. PayU offers easy integration with platforms like Shopify and WordPress, and its APIs support custom checkout experiences. 

The gateway also provides advanced fraud detection and end-to-end encryption for secure transactions. PayU is ideal for ecommerce websites with high transaction volumes, thanks to its scalability and robust support.

Instamojo Simplify Payments for Startups

Instamojo is a favorite among startups and small businesses, trusted by over 2 million Indian merchants. 

It offers over 100 payment methods, including UPI, debit and credit cards, net banking, and digital wallets like MobiKwik. The transaction fee is 2% + Rs. 3 for physical goods and 5% + Rs. 3 for digital goods, with 18% GST. 

Settlements take 3 days, but faster payout options are available. Instamojo’s payment gateway is easy to integrate with platforms like WooCommerce and Magento, and it provides payment links and free online stores for businesses without a website. 

Its PCI DSS certification ensures safe transactions, and the dashboard offers analytics and invoicing tools for easy management.

PhonePe a Mobile-Friendly Payment Gateway

PhonePe is a popular choice for ecommerce websites targeting mobile users, thanks to its seamless UPI integration and mobile-first design. It supports UPI, credit and debit cards, net banking, and wallets, with a transaction fee of 1.95% after a free trial period. 

Settlements are fast, often within 24 hours, and the gateway integrates easily with Shopify, WooCommerce, and OpenCart. 

PhonePe’s dynamic QR code feature and quick checkout options make it user-friendly for customers. 

The dashboard provides real-time analytics and supports autopay for recurring payments. With strong security measures like PCI DSS compliance, PhonePe is ideal for businesses with a mobile-centric customer base.

Easebuzz fast-growing payment gateway Support Multiple Payment Modes

Easebuzz is a fast-growing payment gateway in India, offering over 150 payment methods, including UPI, credit and debit cards, net banking, EMI, and Buy Now Pay Later options. The fee for transactions is attractive, beginning at 1.75% for payments within the country.

Settlements are quick, with options for instant transfers. Easebuzz integrates with platforms like Shopify and WooCommerce, and its developer-friendly APIs make setup easy. 

The gateway includes functionalities such as automatic reconciliation, discount coupons, and a personalized checkout page. With PCI DSS Level 1 compliance and card tokenization, Easebuzz ensures secure transactions for ecommerce websites.

PayKun a Cost-Effective Choice for Ecommerce

PayKun is known for its low transaction fee of 1.75% for domestic payments, with no setup or maintenance costs. It supports multiple payment methods, including UPI, credit and debit cards, net banking, and mobile wallets. 

Settlements take 1-3 days, and the gateway integrates easily with platforms like Magento and OpenCart. PayKun’s user-friendly dashboard helps merchants track transactions and manage payments. 

It provides payment links for businesses that do not have a website. With PCI DSS compliance and fraud prevention tools, PayKun is a secure and affordable option for small to medium-sized ecommerce stores.

HDFC SmartGateway Offer for Online Stores

HDFC SmartGateway is a reliable choice for ecommerce websites, offering instant fund settlements after a customer’s purchase. It supports UPI, credit and debit cards, net banking, and international payments.

The transaction fee varies, but HDFC is known for competitive pricing. The gateway integrates with major platforms like Shopify and WooCommerce, and its pre-built payment page is easy to use. 

Security features include SSL and TLS encryption, along with RBI compliance for fraud prevention. HDFC’s dashboard provides real-time transaction tracking, making it a strong option for businesses looking for speed and reliability.