Top payment gateways for Indian e-commerce websites

A payment gateway for Indian e-commerce websites is a secure online service that processes and authorizes payments between customers and merchants. It acts as the digital equivalent of a point-of-sale (POS) terminal in physical stores.

Here are the top payment gateways for Indian e-commerce websites in 2025, based on reliability, features, pricing, and ease of integration:

• Features: Supports UPI, cards, wallets, net banking, EMI, subscriptions, and international payments.
• Integration: Easy with Shopify, WooCommerce, Magento, etc.
• Payout Time: 2–3 business days
• Why It’s Great: Fast onboarding, modern dashboard, developer-friendly APIs.

• Features: Supports all major Indian payment modes, including UPI and BNPL (Buy Now, Pay Later).
• Payout Time: 2–3 working days
• Why It’s Great: Customizable checkout and strong analytics features.

• Features: Wide payment mode support, including 200+ payment options and 27 major currencies.
• Payout Time: 3–5 days
• Why It’s Great: Suitable for businesses needing international payments and multilingual support.

• Features: Instant settlements, payouts, and easy API integration.
• Payout Time: As fast as 15 minutes with “instant settlement”
• Why It’s Great: Ideal for high-volume or fast-cash-flow businesses.

• Features: Great for small businesses and creators; includes a free online store.
• Payout Time: 3 business days (faster for premium users)
• Why It’s Great: No coding needed; beginner-friendly for solopreneurs.

• Features: Advanced APIs, supports global payments, subscriptions, and fraud detection.
• Payout Time: 4–7 business days
• Why It’s Great: Best for SaaS or international businesses needing global tools.

• Features: UPI-first gateway with strong reach across India.
• Payout Time: T+1 or T+2 days
• Why It’s Great: Backed by PhonePe’s massive user base and bank partnerships.

For most Indian businesses, Razorpay or Cashfree offers the best combination of speed, features, and affordability. Small sellers may prefer Instamojo, while companies looking for international growth can consider Stripe or CCAvenue.