8 Best Payment Gateways in India – Their USP’s & Transaction Fee Details

list of payment gateway

With the evolution of e-commerce Payment Gateways have also evolved and a lot of options are available in the market. But you’ll get confused when you need to choose one of them to use on your website. All of them offer something different and it’s very necessary to choose the best payment gateway which varies depending on your needs.

To avoid this confusion we have come up with this comprehensive list of Payment Gateways, their USP’s & details on the transaction fee charged by each of them. You can read details about each of them and can then pick the best from this list of top payment gateways in India. Here is the list of Top 8 Payment Gateways which are being widely used in India:-

  1. Paypal
  2. Instamojo
  3. PayUmoney
  4. PayUbiz
  5. CC Avenue
  6. Citrus
  7. ZaakPay
  8. EBS


Paypal is one of the widest used payment gateways not only in India but across the globe. It’s fast, secure & transparent. It’s used by online sellers, freelancers, to pay someone online & in many other ways. They have got high security with lots of payment options. Also it’s quite fast & easy to integrate with website.

    Monthly sales volume Website, invoice and email payments eBay payments
Overseas customers (per transaction)* Overseas eBay customers (per transaction)*
Up to $3,000.00 USD 4.4% + $0.30 USD 3.9% + $0.30 USD
$3,000.01 USD – $10,000.00 USD 3.9% + $0.30 USD 3.4% + $0.30 USD
$10,000.01 USD – $100,000.00 USD 3.7% + $0.30 USD 3.2% + $0.30 USD
Above $100,000.00 USD 3.4% + $0.30 USD 2.9% + $0.30 USD

For more details visit – https://www.paypal.com/us/webapps/mpp/merchant-fees


Instamojo is another rising players in the Payment Gateway Sector which has got great features listed below.

  • Payments on WhatsApp
  • Payments via Email & SMS
  • Payments via @username
  • Free Online Store
  • Simple Payment APIs

instamojo transaction fee details


PayUmoney is one of the most used Payment Solution with more than 100000 sellers belonging to various sectors. It can be used by Education Professionals, Online Businesses, Retailers, Travel Agents, Event Managers, Freelancer and many more.

They have various options targeting different people. If you have your own website then you can get the payment gateway integrated to your website. But there are options for those people as well who don’t have a website yet. It’s named PayUmoney Tools. Apart from these if you own a store then you can order for PayUmoney POS which you will get within 48 hrs as claimed by them & the best part is that you need not pay any Monthly Rental, no tension of Minimum Balance & you can Link any Bank Account.

Different Charges PayU Money Payment Gateway
Set-Up Fee 0
TDR% 2.9% + Service Tax (12.36% of TDR Value)

 *Service Tax Extra


PayUbiz is another payment gateway that enables businesses, startups & others to collect payment online. It has got best in the industry conversion rates, wide range of payment options, intuitive integration & beautiful experience. You get One Tap Payment Option which has got great features like Store Card Vault, CVV-Less Transaction, PCI-DSS Compliant, Custom Mobile Browser, Auto OTP read & Magic Retry.

Payment Mode Startup Plan Platinum Plan Comments
Debit Card 0.75 % 0.75 % 1% above 2000. RBI Mandated Pricing
Credit Card, Net banking, PayUmoney, Wallets 2.95 % 2.25 % Visa Master
EMI, Amex, IVR, International Cards +0.75 % +0.75 % Over and above credit card pricing
Integration Fee 4,900/- 19,900/- One time fees

* Service Tax extra For more details about pricing – https://www.payubiz.in/pricing

CC Avenue

CC Avenue is the oldest and the most trusted Payment Gateways which is being used by almost 80% of the sellers. It has 200+ payment options, multiple currency processing, CC Avenue Checkout, iFrame Integration, Smart Dynamic Routing & also supports Mobile Payment. CC Avenue Transaction Fee details   For more details about pricing – https://login.ccavenue.com/web/registration.do


Citrus Pay is one of the widely used Online Payment gateway which comes with Transparent Pricing & Quick Integration. The platform ensure every transaction is captured successfully & all the payments are highly secured. Also it is responsive i.e. it supports Android, iOS, Windows and more. Apart from these brilliant features it’s quite easy to integrate it. citrus pay transaction fees For more details about pricing – http://www.citruspay.com/merchants/


Zaakpay is one of the most affordable payment gateway available in the market with around 500+ merchants using the platform It has got great features like Multi-Currency Support, Saved Cards feature, Auto-Retry Payment, Fraud Detection, Negative-Card Database, Payment-Instrument based Checks, PCI Compliant, T+1 payout cycle, Live Chat Support, Customized Reporting, Integration Kits for all almost every platform, Accepts VISA, MasterCard, Maestro, AmEx, Diners, Discover etc.

Plan Starter Express
Setup Fee 10000 30000
TDR 3% for Monthly Transaction Value upto Rs.5 lakhs 2.5% for Monthly Transaction Value above Rs. 5lakhs 2.5%
AMC (Rs.) 2400 (From second year) 0

For more details about pricing – https://www.zaakpay.com/products/webpay

Doyze Software Solution is a Digital Marketing Company based in Pune, India. We help client develop e-commerce websites & also do the best suited payment integration according to client’s need. Do Contact us if you are looking to get an e-commerce website developed.

Showing 3 comments
  • Nikhil

    Great list of payment gateways in India. Please note that there is a service tax on the TDR charged by the Payment Gateways. The service tax will be around 15% of the TDR charged.

    In my opinion, Citrus is the best payment gateway available in India. They have many unique products like seamless checkout which other payment gateways don’t have.

  • Arun R

    Hi Anurag,

    what would your suggestion be if i want to integrate a payment model where i take x% from the service host and y% from the service users, everytime the service is ended. like airbnb.

  • Payal Sharma

    Hi Anurag, Thank you so much for sharing this informative post. A complete checklist for those who are looking for payment gateway for their online business. I would like to share information about one more payment gateway service provider i.e EBS. EBS is a leading payment gateway provider to more than 8000 online merchants in India and abroad. In India, the offices of EBS are located in all major cities like Delhi, Chennai, Bangalore, Jaipur and other major destinations.

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