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Top 10 Payment Gateways For Your eCommerce Website [2025]

sahil bajaj

Sahil Bajaj

Senior Specialist @ Shiprocket

February 4, 2025

8 min read

In the first half of 2024, the global volume of mobile transactions touched 76.04 billion, up from 52.15 billion in 2023, showing a 46% increase. In fact, India itself recorded 208.5 billion digital payment transactions last year. Therefore, as a seller it is important you keep in mind the importance of secure payment gateways and the effect they have on your business.

As we are heading towards a more digital approach in our everyday operations, secure payment gateways add an extra layer of security for buyers when they pay for their goods online. Even your business can cut down on additional hassles and reduce RTO with a proper online payment gateway. But as a new seller who is just starting with online selling, choosing one can be a difficult task. Here are 10 payment gateways performing well with the current trends.

What to consider when choosing a payment gateway?

How to choose a payment gateway

A good payment gateway is a fantastic tool to make transactions seamless, boost customer confidence, and even help grow your business. But with so many options out there, how do you pick the right one? Here are some key things to keep in mind:

1. Cost of Setup

Let’s talk money—because it matters. Payment gateways don’t all charge the same way. Some might hit you with an upfront setup fee, while others skip that but take a small percentage from every transaction. It’s also important to watch out for those hidden costs, like monthly maintenance fees. Take a close look at the overall expenses and ensure the gateway fits your budget while still offering the features you need.

2. Setup Time

In eCommerce, time really is money. You don’t want a payment gateway that takes forever to set up or is difficult to integrate in your system. Some gateways are simple plug-and-play, ready to roll in just a few hours. Others might need more technical expertise, like API integration, which can take longer. If you’re not tech savvy or just want to save time, go for a gateway that’s easy to set up. It must come with clear instructions and offer solid technical support to guide you through the process.

3. User Experience

A clunky checkout process can drive customers away. If your payment gateway requires too many steps, redirects, or form-filling, you risk losing sales. Look for a gateway that offers a smooth and one-click checkout. It should also work well on mobile and have auto-fill options to make the process quick and painless for your customers. The easier it is to pay; the more likely shoppers are to complete their purchase.

4. Payment Options

People pay in different ways, and if you don’t support their preferred method, they might just shop elsewhere. A good payment gateway should support a variety of payment methods, including:

  • Credit/Debit Cards (Visa, MasterCard, RuPay, Amex)
  • UPI Payments (Google Pay, PhonePe, BHIM, Paytm)
  • Mobile Wallets (Paytm, Mobikwik, FreeCharge)
  • Net Banking (direct payment options from major banks)
  • Buy Now, Pay Later (BNPL) and EMI options

The more options you offer, the more convenient it is for your customers and the more likely they are to complete their purchase.

5. Customer Support

Payment issues can come up at any time, and when they do, you need help fast. Whether it’s a failed transaction, a refund problem, or a technical hiccup, your payment gateway provider should have your back. 

Look for one that offers 24/7 support through multiple channels like phone, email, and live chat. Some providers even assign dedicated account managers to business clients, which can be a lifesaver when you need quick solutions.

List of 10 Best Payment Gateways for your eCommerce business

Choosing the right payment gateway is a big deal for your eCommerce business. It’s not just about moving money around; it’s about creating a smooth, secure, and trustworthy experience for your customers. 

Here are some of the best payment gateway options for you to explore:

PayUmoney & PayUBiz

PayU is India’s largest payment gateway with over 30000+ sellers to its name. They have grown over time and have big companies like Jabong and Myntra in their account. In 2015, they re-branded their company and launched PayUbiz for business enterprises and PayUmoney for SMB and regular customers. They offer payment options like credit and debit cards, mobile wallets, etc. PayUbiz plans start from Rs. 4900 and go up to Rs. 29000 while PayUmoney has no setup fee. Brands and small sellers alike extensively appreciate PayU’s customer support.     

Transaction fees:

  1. PayUmoney: 2% for domestic transactions & 3% for international transactions
  2. PayUBiz: 2.20%  to 3.90% (depending on plan)

RazorPay

RazorPay offers its customers a smooth platform to collect payments. They provide payment options like credit and debit cards, net banking, UPI, and mobile wallets like JioMoney, Ola Money, Mobikwik, FreeCharge. Along with these, they have easy to integrate APIs and 24*7 customer support to accommodate any complaints and queries from buyers and sellers alike.

Transaction fees:

  1. 2% for domestic transactions
  2. 3% for International cards

CCAvenue

CCAvenue is a significant player in the field of online payments. It offers around 200 payment options including major credit and debit cards like Amex, JCB, Diners Club, MasterCard, and VISA. Their start-up plan is free of cost while the privilege plan costs up to Rs. 30000.

Transaction fees:

  1. 2% + ₹3.00 domestic transaction rate
  2. 3% + ₹3.00 international transaction rate

Instamojo

Instamojo is a leading payment gateway that started as a small startup to collect payments for digital goods. It has now become a famous product for MSMEs. It is enabling eCommerce for a lot of sellers by providing ‘payment links’ and ‘free online stores.’ These bring out simplicity in the process and help sellers reach out to customers efficiently.

Transaction fees: 2% + Rs.3

EBS

EBS gives you an option to collect payment through credit card, debit card, and net banking. It offers multi-currency process and is a reliable source if you’re looking to sell to an international audience. They have recently lowered their setup and maintenance costs owing to the increasing competition.

Transaction fee: 1.25% – 3.75% (depending on plan)

Paypal

If you are looking to target a global user base, then Paypal is your best option as it is a platform available in 200+ countries across the world. They offer payment options in over 100 currencies. You can hold balances in up to 26 currencies in your account and withdraw up to 60 different currencies into your bank account with Paypal. Also, they do not charge any withdrawal fees when you transfer the received sum to your bank account. It takes very few details such as account details and your PAN card number. Thus, if you’re aiming at an international segment of buyers, go ahead with Paypal.

Transaction fees: From 2.5% to 4.40% + fixed fee based on currency

Paytm

A recent yet significant player in payment gateways is Paytm with it’s RBI approved semi-closed wallet. Furthermore, they provide you with an integrated payment gateway which supports Visa, MasterCard, Amex, Discover and Diner credit and debit cards. Paytm accepts both domestic and international cards. As of now, they do not offer a gateway for global payments and multi-currency transactions. Their mobile payment gateway is one of the best and most required.

Transaction fees: 1.75%+GST

Mobikwik

Mobikwik was a renowned name for mobile recharges, and slowly they have grown to also provide payment gateways for small and medium level business enterprises. Their portal is optimized for mobile and is known to be one of the best. No withdrawal fees, easy integration with Java, Asp.net, WordPress, Magento, etc., and acceptance of all major credit and debit cards are a few prominent features.

Transaction fees: From 1.9% to 2.9%

DirecPay

DirecPay is a leading payment gateway that offers multi-currency support, no withdrawal fees, integration with significant carts like Joomla, CubeCart, Magento, CS-Cart, PrestaShop, OpenCart, etc. Currently, it provides a free and corporate plan for users. These plans have different transaction fees and a few different features. They have mobile apps for Android and iOS.

Transaction fees:

  1. 2% for domestic transactions
  2. 3% for International cards

BillDesk

BillDesk is an old, long-running payment gateway in India. They offer payment via all major credit and debit cards and are a reliable payment gateway for your business.

Access Multiple Quick Payment Options with Shiprocket

If you’re running an eCommerce business, you know the importance of quick and easy payments today. As India’s go-to logistics platform, Shiprocket doesn’t just handle order fulfillment, it also offers highly convenient payment solutions tailored for B2B sellers. 

With Shiprocket’s secure payment integration, you can offer your customers a range of payment options, making checkouts smoother and settlements faster. What do you get? Happier customers, fewer abandoned carts, and better cash flow for your business.

Conclusion

In this era of online shopping, choosing the right payment gateway is not just a technical step; it’s a game-changer for your business. Whether you’re selling to customers down the street or halfway around the world, the right gateway can make all the difference. It keeps transactions smooth, your cash flow steady, and your customers happy. So, you must weigh your options, and pick a payment gateway that works for your business and keeps your customers satisfied. 

If you’re looking for a platform that really has your back, Shiprocket is worth checking out. With its range of quick payment options, it’s built to help you grow your business without all the usual headaches.

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2 thoughts on “Top 10 Payment Gateways For Your eCommerce Website [2025]

    1. Hi Prakash,

      To address this concern, I’ll need to know on which of Shiprocket’s platform have you set up your eCommerce store, Shiprocket 360 or Shiprocket Social?

      Thanks & regards,
      Srishti Arora

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