A payment gateway lets customers pay on your website by UPI, cards, net banking and wallets. Several reputable gateways serve Indian businesses, including Razorpay, Cashfree, PayU, PhonePe, Paytm and CCAvenue.
What to compare
| Factor | What to check |
|---|---|
| Transaction fees | Rate per payment method; standard plans often charge around 2% on many methods, with different rates for UPI, international cards and EMI |
| Set-up and annual fees | Many have none on standard plans |
| Settlement time | How quickly money reaches your bank |
| Payment methods | UPI, cards, net banking, wallets, EMI, pay later |
| Integrations | Shopify, WooCommerce, custom code |
| Extras | Payment links, subscriptions, invoices |
| Support | Response time when something goes wrong |
Pricing changes often, so check each provider’s current pricing page.
Documents usually needed
- PAN of the business or proprietor.
- Bank account in the business name.
- GST certificate, if registered.
- Business registration proof.
- A website with policies: privacy, terms, refund and contact pages.
Small businesses without a website
Payment links and UPI QR codes let you collect payments over WhatsApp or at the counter. Create a UPI QR with our UPI QR code generator.
Include fees in pricing
Gateway fees plus GST on fees affect your margin. Check with our profit margin calculator.
Read Shopify vs WooCommerce.
Want the full picture? This article is part of Business websites: the complete guide, our in-depth guide with everything in one place.
