Top 6 online payment gateway in India

Online Payment Gateway for digital payments in India.
CodeIgniter 4
CodeIgniter 4

India recorded around 44 billion digital payments in the financial year 2021, an increase from the last three years the majority of transactions were done by different payment gateway. However, the total value of these transactions decreased in 2021 compared to the previous year.

In this blog, you will get an outline of the Online Payment Gateway for digital payments in India.

Top 6 online payment gateway in India 2021

  1. Razorpay
  2. Instamojo
  3. Paypal
  4. CCAvenue
  5. Cashfree
  6. PayTM


Razorpay is one of the top payment gateways in India. In December 2014, Harshil Mathur and Shashank Kumar founded Razorpay.

This payment gateway 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, net banking, UPI, and popular wallets including JioMoney, Mobikwik, Airtel Money, FreeCharge, Ola Money, and PayZapp. Great player in the Indian market like Unacademy, UrbanClap, Zoomcar, Groofers, and Bookmyshow have been using the Razorpay payment gateway.

Razorpay is one of the most widely preferable payment gateways in India, it has end-to-end transaction security. It also provides tools that will automate your business to accept online payments with a good customer experience.

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Features of Razorpay are as follows:

  • Instant Activation
  • Easy Integration
  • API Driven
  • 100+ payment modes
  • Simple Pricing
  • Best in Industry Support
  • Dashboard Reporting
  • Secure


Instamojo is one of the largest full-stack Small to Medium Enterprise (SME ) platforms.In 2012, Sampad, Akash, and Aditya founded Instamojo.

It helps to grow small, independent businesses, MSMEs & startups with online stores and online payment solutions to help them run an eCommerce business successfully.

You’ll get functional online stores, built-in payments, marketing tools, and more when you build your business with it. With online stores and payment solutions, it supports over 20 lakh Indian independent businesses.

It has an online setup, where you would be able to set up your store, with an easy payment gateway attached to it. It also handles your CRM, analytics, and shipping.

You can start your online store with a free plan on Instamojo and you can upgrade your plan later.

Features of Instamojo are as follows:

  • eCommerce Mobile App
  • App Store
  • Bank Transfer
  • Convenience Fee
  • mojoPlus rewards


Paypal is an international financial service company. It is also one of the most popular online payment gateways in India in 2021. Indian freelancers have more flexibility to receive payment via PayPal.

In December 1998, a group of five people – Elon Musk, Peter Thiel, Luke Nosek, Max Levchin, and Yu Pan – established PayPal.

You can start using PayPal not only in India but also wherever you go around the globe. PayPal connects with more than 360 million users across the entire globe. Udemy, MakeMyTrip, ALT Balaji, Gaana and so many other companies are customers of PayPal. It is one of the most recognized and trusted payment service providers.

Paypal is secure with 128-bit SLL encryption, zero annual maintenance fee, and zero initial setup fee. The PayPal app is available both in iOS and SDK for Android tools. With PayPal, websites can be easily integrated and payments can be made in multiple ways.

Features of Paypal are as follows:

  • Reporting/Analytics
  • Data Import/Export
  • Access Controls/Permissions
  • Order Management
  • Mobile Access
  • Multiple Payment Options
  • For B2B
  • Compliance Management


CCAvenue, an online payment gateway founded in 2001 and authorized by Indian financial institutions, is one of the best. It accepts transactions through credit cards, debit cards, net banking, and ATM cards. CCAvenue also offers a secure link between websites, institutions, and banks in the transaction.

85% of eCommerce merchants are using the CCAvenue in the country. CCAvenue can process millions of transactions. Payments can be collected in 27 major foreign currencies and you can pay in the currency of your choice if you wish. 

It has a multilingual checkout page offered in 18 major Indian and international languages with easy customization. It has CCAvenue Checkout, card storage Vault, shopping card, cart plugins, iframe integration, responsive checkout page, marketing tools, invoice payments, smart analytics, dynamic event notification, live monitoring pro, fraud, and risk identification system, and acknowledgment, fast activation and easy integration with dedicated team for customer support.

Features of Paypal are as follows:

  • Smart Dynamic Switching
  • iFrame Integration
  • Multiple Currency Support
  • Marketing Tools
  • Dynamic Event Notifications


Cashfree is one of the online payment gateways of India, where it helps people to transact money between customers and vendors. Raju Datta and Akash Sinha founded Cashfree in September 2015.

It is a powerful and scalable payments platform designed for your business payment needs – collect payments, send payouts, manage international payments, and do more. It holds 1,00,000+ businesses for payout in India. One of India’s leading API banking platforms, Cashfree supports instant refunds.

Features of Cashfree are as follows:

  • Payouts for vendors
  • Cashgram
  • Auto collect
  • Subscriptions for customers
  • Bank account verification
  • Easy Split for dividing commissions


PayTM Payment Gateway enables users to accept payments from anyone, anywhere, from all channels and devices. It is the Indian payment gateway that lets businesses collect customer payments via websites, handheld devices like mobile and tablets, and social apps like WhatsApp, and Facebook, or via email and SMS. Vijay Shekhar Sharma founded PayTM in August 2010.

PayTM is a popular online payment gateway used by brands and industries such as Zomato, Uber, Swiggy, Jio, Airtel, and UrbanCompany.

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Features of Cashfree are as follows:

  • Instant activation
  • Easy integration
  • 100+ payment sources


Finance, banking, investments, transactions, and fintech are all correlated and we are all affected by them.