Most Reliable Payment Gateways in India 2021

When you make payments through a payment gateway, the merchant’s website sends your debit/credit card details to the gateway for confirmation. The payment gateway then verifies the details from the bank and the amount gets transferred from your bank account to the merchant’s bank account.

If you are running a startup or small business or a Brand, it could be quite difficult to choose a Payment Gateway for your eCommerce store. A payment gateway is an application that makes the online payment process very simple and easy. It is actually a medium that connects a merchant’s mobile application or website with the bank.

Here is a compiled list of the most reliable payment gateways in India in 2021.

1. CC Avenue

CCAvenue Payment Gateway for Give - Wordpress Donation Plugin

Infibeam Avenues Limited (IAL), the first e-Commerce and fintech company listed on the Indian Stock exchange, is one of India’s leading digital payments and e-commerce technology solutions provider. Digital Payment Platform operates through flagship brand-CCAvenue-which is a PCI DSS 3.2.1 compliant payment gateway platform. With over 240 payment options connecting more than 55 Indian banks on a real-time basis, CCAvenue is one of India’s largest direct debit engines. It processes payments through net-banking, all types of credit cards, debit cards and digital wallets, including UPI payments.

2. Razorpay

Razorpay - India's First Converged Payment Solution - YouTube

Razorpay is the only payments solution in India that allows businesses to accept, process and disburse payments with its product suite. It gives you access to all payment modes including credit card, debit card, netbanking, UPI and popular wallets including JioMoney, Mobikwik, Airtel Money, FreeCharge, Ola Money and PayZapp.

Razorpay’s business banking arm, RazorpayX, brings effectiveness, efficiency and excellence to all financial processes. With RazorpayX, businesses can get access to fully-functional current accounts, supercharge their payouts and automate payroll compliance. Manage your marketplace, automate bank transfers, collect recurring payments, share invoices with customers and avail working capital loans – all from a single platform. Fast forward your business with Razorpay.

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3. Citrus Pay

All in One Payments App by PayU

Citrus Pay is leading the revolution towards mobile and digital payments across all spheres of a consumer’s life.

Being led by Amrish Rau and Jitendra Gupta, it is India’s fastest growing fintech company that provides consumer payments and mobile banking services.

Citrus Pay partners with the top airlines, utilities, marketplaces, and 10000 other merchants to enable seamless, secure payments for 25 million consumers. We are known for introducing industry-first payment solutions such as 1-click checkout, wallet for cabs, consumer analytics, native mobile app payments etc.

Constant innovation is the norm at Citrus Pay as it streamlines checkout flows, promises absolute security for consumers, guarantees great payment services to thousands of merchants, handles millions of transactions per month, and optimizes online purchases for the modern smartphone and tablet wielding Indian consumer.

4. Bill Desk

BillDesk: How This Platform Withstood the Test of Time to Become a Unicorn

BillDesk, a property of Ltd. was conceived in early 2000 to solve the frustrations of most of us when it comes to paying bills. They have created BillDesk to help consumers leverage on the potential of electronic medium to better organise and manage their payments, while escaping some of the pitfalls of traditional bill payment services.

With a vision of creating a one-stop destination through which we could make all our payments, at one time, from one location – or better still anytime from any location. A one single destination that keeps track of your bills, informs you of due dates, eliminates the hassle of writing out cheques and standing in queues and gives customers the freedom and the ability to pay with just one instruction to their bank.

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5. Instamojo

Blog Instamojo - The Business Growth Blog

Micro-entrepreneurs, startups, MSMEs use Instamojo to instantly start, sell, manage and grow, using their suite of offerings like payments, free online store, logistics, credit, and financing, and more, across mobile & web. Instamojo started with Payment Links – a simple URL that one can copy and paste anywhere on the internet and receive payments online via any payment mode. Today, they provide more than just an efficient payments solution. Instamojo makes custom-tailored business tools to help a business grow on the internet.

6. Cashfree


Cashfree is a next generation payment gateway that helps 50,000+ Indian and global businesses collect and disburse payments via 100+ payment methods including Visa, MasterCard, Rupay, UPI, IMPS, NEFT, Paytm & other wallets, Pay Later and various EMI options. Cashfree is backed by Silicon Valley investor Y Combinator and was incubated by Paypal.

Cashfree enables more than 1,00,000 businesses with payment collections, vendor payouts, wage payouts, instant loan disbursements, e-commerce refunds, insurance claims processing, expense reimbursements, loyalty, and rewards payments. Cashfree customers include leading internet companies such as Cred, BigBasket, Zomato, HDFC Ergo, Ixigo, Acko, Zoomcar, and Delhivery among others.

7. Zaakpay

Zaakpay (@ZaakpayPG) | Twitter

Zaakpay, payment gateway by MobiKwik, enables efficient collection and disbursement of payments. Zaakpay aims to assist online businesses whether small medium or large, with the edge to excel in a highly competitive market.

With Zaakpay, merchants get hassle-free integration and safe & secure payment processing. Zaakpay product portfolio includes checkout, payment links, and QR code payments, thus, supporting businesses to accept and disburse payments seamlessly. With these products, merchants get access to 100+ payment modes such as Credit Cards, Debit Cards, Net Banking, UPI, Wallets, Pay Later and more.

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8. PayUBiz

PayUbiz redefines mobile payments forever, launches 'One Tap' technology | EarthAndroid

PayUBiz allows businesses to manage and accept their payments online. It is a well- known payment gateway that supports cards, net banking, wallets, international cards, EMI, IVR payments, etc. Dynamic switching, intelligent retry, mobile browser and many more cutting edge features to increase your conversion rates by over 12%.

They accept all payment modes including 45+ Net-banking, 8+ bank EMI’s, 6 Wallets, Amex, Rupay, International Cards and more. Whether you build an app, a marketplace or an online store; PayuBiz’ API’s & SDK facilitate smooth and easy integration. More than 80 of the top 100 E-commerce companies in India prefer to use PayUbiz for their payments.

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