10 best payment gateway in India for small business and website

Starting a business or startup and receiving the funds was never so easy. One can easily integrate the bank account with his/her website or business through a magic, which is known as payment gateway. It always work behind the scene and customer need not to bother about it. Customer just need to either swipe the card or provide the card or account details for online transaction. Here we are going to enlist top & best payment gateway in india for small business & startups, websites or any kind of business.

While payment gateway works in the background, it ensures the hassle-free transactions through credit card, debit card, net-banking or through wallets. Moreover payment gateway ensure the sending the transaction details to website owner and bank. Also it makes the entire process smooth and works as a bridge between your business and customer.

Top 10 & Best Payment Gateway in India for Small business & Website

Find below the list of leading & 10 best payments gateways in India for doing business and receiving the payment for online business or through website.

1 . Instamozo

Instamozo - best payment gateway in india for small business

Instamozo is one of the most used payment gateway by small & medium businesses in India. It has more than 3 Lac business users. Its AMC is zero & transaction fee is 2% of the transaction + Rs. 3 per transaction.

2. CC Avenue

ccavenue best payment gateway in india for small business

None other than CC Avenue can understand the Indian business well. It is one of the oldest payment gateways in India. CC Avenue claim that they can activate the gateways within 24 hours, which is really a transformation withing CC Avenue, as earlier it was not considered as a fast platform.

Transaction fee varies between ( 1.99% to 2.99% )+ Rs. 3.

3. PayU Money

Pay U money

PayUmoney is considered as a medium to big enterprises favourite payment gateway provider. Moreover it also launched Wallet service for consumers, which could be accepted by small & medium businesses.

Also it is important to mention here that, Citrus Pay is now known as PayU Money.

Setup fee & maintenance fee is zero. Transaction money is flat 2%.

4. Razor Pay

Razor Pay best payment gateway in india for small business

Razor Pay was founded by an IIT Roorkee alumni, Harshil Mathur. This platform allows businesses to accept all payment options including credit & debit cards, net-banking and almost every single wallet.

One time setup fee & annual maintenance fee, both are zero.

Transaction fee for Indian cards is 2% & 3% for international cards viz Amex, Diners cards.

5. Atom

Atom payment Gateway

Many would be surrprised to know that Atom is now owned by NTT DATA thanks to its acquisition in 2019. Atom started its operations in year 2005. Now it is part of the global network of NTT Global Payment Services.

Features & Adantages:

  • one of the most affordable in the industry.
  • No chares for Debit Card Payments below Rs 2000 transactions.
  • No minimum committment.
  • Atom Technologies is the part of prestigious NTT DATA Group.
  • Customized plan for merchants based on volume of transactions.


Other related Offerings:

  • POS Machine – for merchants to accepts the payment anywhere/anytime.
  • mGalla Mobile App – Mobile App for merchants
  • Payment over trusted IVR

6. PayPal

Paypal India payment gateway

7. EBS

EBS payment gateway

8. PayTM Payment Gateway

PayTM business payment Gateway

9. Direcpay

Direcpay best payment gateway in india for small business

10. Mobikwik PG

Mobikwik payment gateway for business

Earlier known as ZaakPay, Mobikwik is a popular wallet in India and is very consistent with its performance.

Setup fee & Annual Maintenance fee both are zero. Moreover it offers the most affordable pricing for businesses.

It’s transaction fee is very much competitive with 1.9% per transaction within India & for international transaction it is 2.9% per transaction.

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