To run a business online, you need a structured environment where users can trust the system and complete their purchase.

To do that, you get dozens of payment gateways, but each has its traits, and you need to ensure that you are getting the right payment gateway for your business.

Here’s a list of Indian Payment Gateway providers to sell your products online.

PayUMoney

PayUMoney claims to let you go live with your PayUMoney payment gateway within 5 minutes. The company has served 3.5 Lakh+ happy customers and gave them a trustworthy payment gateway to handle payment of online sales.

  • PayUMoney Payment Gateway service charges are:
    • Annual maintenance Charge: Zero
    • Transaction fee: 2% per successful transaction + GST + 1% extra if made from Amex
  • Key features of PayUMoneypayment gateway service are
    • Supported international cards: Visa, Master, Maestro, Rupay, Amex
    • Multi-currency support: Yes. However, as a merchant, you will have to enable the feature after the approval that will begin after you submit documents. For more information, you will have to connect with their support.
    • Withdrawal fees: 2% per transaction + GST

Moreover, for American Express & Diners cards, transaction fees = 3% + GST for the rates are 3% + ₹6 for every transaction.

  • Settlement days: 2 business days
    • Customer support: You can contact the support using this form or send an email to merchantcare@payumoney.com.
    • Documentation required: Yes, simple documentation is necessary.
    • No of days to begin transaction: The process is extremely smooth. You can start accepting payments within 5 minutes after signing up the account.
    • Customer support:
      • Magento
      • OpenCart
      • WooCommerce
      • osCommerce
      • Virtuemart
      • WP e-Commerce
      • PrestaShop
      • Zencart
      • Ubercart
      • Interspire
      • WHMCS
      • Joomla VirtueMart
  • Mobile platform availability : Android and iOS
    • PayUMoney Payment Gateway Contact Details: 0124-6624826

RazorPay

The alumni of IIT Roorkee found RazorPay. The platform aims to give hassle-free user experience through its payment gateway. Read on to know more about the versatile platform.

  • RazorPay Payment Gateway service charges are:
    • Annual maintenance Charge: Zero
    • Transaction fee:
      • 2% + GST on Indian credit cards, Indian debit cards, net banking from 58 banks, UPI, and wallets.
      • 3% + GST on Diners and Amex Cards, International Cards, EMI
  • Key Features of RazorPay Payment gateway service are
    • Supported international cards: Visa, Mastercard, American Express, Maestro, Diners Club, and RuPay
    • Multi-currency support: Not supported.
    • Withdrawal fees: Razorpay Fees + GST
    • Settlement days: At least three days
    • Customer support: 24/7 support through IVR and chat
    • Documentation required: Here’s the list.
    • No of days to begin transaction: Depends on the approval of the documentation.
    • Customer support:
      • WHCMS
      • Magento
      • Opencart
      • Shopify
      • Prestashop
      • CS-Cart
      • WooCommerce
      • Arastta
      • WordPress
  • Mobile platform availability: Android and iOS
  • RazorPay Payment Gateway Contact Details: support@razorpay.com

Paytm

Paytm is one of the renowned digital wallets in India. Paytm also have a payment gateway to let Indian retailers and manufacturers sell digital products and make profits from their online ventures. Here’re more details about the platform.

  • Paytmpayment gateway service charges are:
    • Setup fee: Zero
    • Annual maintenance Charge: Zero
    • Transaction fee: Zero to 1.75%
  • Key features of Paytmpayment gateway service are
  • Supported international cards: All the major credit cards are supported including Visa, MasterCard, Diners, Maestro, etc.
    • Multi-currency support: Not supported.
    • Withdrawal fees: Depends on the type of business.

Usually, take 0 to 1.75% Withdrawal fees based on the choice of the package.

  • Settlement days: Next-day withdrawal
    • Customer support: Always available through a form
    • Documentation required: If you are transferring money up to 50,000/- month then no documentation required except PAN Card. For Standard and Enterprise, certain documents must be verified to get maximum perks of Paytm.
    • No of days to begin transaction: Instantly after signing-up and verifying documents.
    • Customer support:
      • Magento
      • Opencart
      • WooCommerce
      • CS-Cart
      • Nopcommerce
      • Prestashop
      • Ubercart
      • Easy Digital
      • Shopify
      • AbanteCart
      • Drupal
      • Joomla
      • Gravity Forms
      • Moodle
      • os COMMERCE
      • ViArt
      • WHMCS
      • Zencart
      • WP eCommerce
      • VirtueMart
    • Mobile platform availability: iOS and Android

CCAvenue

CCAvenue have a stream of helpful features to give you a secure and robust payment gateway for your online business.

Although it might seem costlier compared to other payment gateways but CCAvenue can strengthen your customer services by providing an uninterrupted and quick channel to receive payments. Here’re the basic details about their payment gateway service.

  • CCAvenue Payment Gateway service charges are:
  • Setup fee:
    • Rs.40,000/- for Privilege Account. For sub-Merchants with an established e-commerce presence.
    • Rs. 25,000/- for Premium Account. For sub-Merchants who have or are expecting a mid-volume turnover.
    • Rs. 7,500/- for Economy Account. For sub-Merchants with a new e-commerce presence.
  • Annual maintenance Charge:
    • Rs.3,600/- for Privilege Account
    • Rs.2,400/- for Premium Account
    • Rs.1,200/- for Economy Account
  • Transaction fee:
    • 5% TDR + 10.30% Service Tax for Privilege Account
    • 7% TDR + 10.30% Service Tax for Premium Account
    • 3.75% TDR + 10.30% Service Tax for Economy Account
  • Key Features of CCAvenue Payment gateway service are
  • Supported international cards: Any MasterCard, Visa, American Express, Diners Club and Citibank E-Cards Credit Cards issued anywhere in the world.
    • Multi-currency support: Yes.
    • Withdrawal fees: Free
    • Settlement days: Weekly settlement
    • No of days to begin transaction: Your CCAvenue account gets activated within 1 hour of your registration.
    • Customer support:
      • Buildabazaar
      • Cubecart
      • Drupal
      • Interspire
      • Joomla
      • Magento
      • Magento Go
      • Martjack
      • Moodle
      • NopCommerce
      • Opencart
      • OsCommerce
      • PrestaShop
      • VirtueMart
      • WHMCS
      • WordPress
      • ZenCart
    • Mobile platform availability: Android, iOS, and Windows
    • CCAvenue Payment Gateway Contact Details: You can use this form.

InstaMojo

Started by three Indian entrepreneurs, InstaMojo has helped over 700,000 Indian businesses get secured payment gateway to sell digital products.

Their motto is to make the Internet a trustworthy place for businesses to grow. Here’re the more details of InstaMojo’s payment Gateway services.

  • InstaMojo Payment Gateway service charges are:
    • Setup fee: Zero
    • Annual maintenance charge: Zero
    • Transaction fee:
      • For domestic: 2% + ₹ 3 excluding GST, for all Domestic Transactions
      • International Cards – 3% + INR 3 + GST
      • American Express cards – 3% + INR 3 + GST
      • Digital Products hosted on Instamojo – 5% + INR 3 + GST
      • Wallets (Ola Money, MobiKwik, FreeCharge, Jio Money) – 2% + INR 3 + GST
  • Key Features of InstaMojo Payment gateway service are
    • Supported international cards: Mastercard, VISA, American Express — available on request
    • Multi-currency support: Not supported.
    • Settlement days: Within three days
    • Documentation required: Yes, you can check the necessary docs once you sign up.
    • No of days to begin transaction: Get started in 2 minutes
    • Customer support:
      • Opencart
      • CS-Cart
      • WordPress
      • Joomla
      • Magento
      • Prestashop
      • WHMCS
    • Mobile platform availability: Not available
    • InstaMojo Payment Gateway Contact Details: +91-8880110011

MobiKwik

MobiKwik gives the comfortable and premium user interface to the users and can help you achieve maximum conversion through their payment gateway.

Their platform is mobile friendly and can auto-read the OTPs to ensure seamless user experience. Here’re the details of using the platform as the payment gateway for your business.

  • MobiKwik Payment Gateway service charges are:
    • Annual maintenance charge: Custom
    • Transaction fee: Custom
  • Key Features of MobiKwik Payment gateway service are
    • Supported international cards: Supports all major international cards like VISA, Mastercard, Maestro, American Express, Diners, etc.
    • Multi-currency support: Not supported.
    • Withdrawal fees: Zero
    • Settlement days: 2 days after the payment received.
    • Customer support: You can fill the form, and they will get in touch.
    • Documentation required: Yes, nominal documentation.
    • No of days to begin transaction:
    • Customer support: WordPress, Magento, Opencart, PHP, etc.
    • Mobile platform availability: Android, iOS, Windows
    • MobiKwik Payment Gateway Contact Details: 011-30018008

Cashfree

Featured by YourStory, Economic Times, TechCrunch and dozens of other websites, Cashfree has a versatile experience of providing streamlined user experience to their customers. So far, the company has transferred 6,000 crores of amount for 10,000+ businesses.

  • Cashfree Payment Gateway service charges are:
    • Annual maintenance Charge: Zero
    • Transaction fee: Zero
  • Key Features of Cashfree Payment gateway service are
    • Supported international cards:
      • 3.5% + Rs. 7/- per transaction on all international cards
      • 2.95% for Diners and Amex
  • Multi-currency support: Yes, more than 20 currencies are supported.
    • Settlement days: 24 hours
    • Documentation required: Yes, minor documentation is necessary
    • Customer support: Shopify, WooCommerce, Magento, and Opencart
    • Mobile platform availability: Android and iOS
    • Cashfree Payment Gateway Contact Details: +91-8030695334

E-Billing Solutions

In E-Billing Solutions’ payment gateway, you can integrate Google Analytics to capture enhanced details and observations of your audience. They have 100+ payment options and allow you to design multilingual payment web pages so that you can give excellent user experience to your prospects.

  • E-Billing Solutions Payment Gateway service charges are:
    • Annual maintenance Charge: Free for 1st year and Rs. 1,200/- from the second year
    • Transaction fee: Custom
  • Key Features of E-Billing Solutions Payment gateway service are
    • Supported international cards: JCB, American Express, VisaMastercard and Diners Card
    • Multi-currency support: Yes
    • Settlement days: 2-3 days
    • Withdrawal fees: Free
    • Customer support: You can find relevant contact leads from their page.
    • No of days to begin transaction: From the 1st day after activation
    • Customer support:
      • Zencart
      • Magento
      • WordPress
      • Opencart
      • Joomla
      • Prestashop
    • Mobile platform availability: Android, iOS, and Windows

Atom Paynetz

Along with Payment Gateway, Atom Paynetz provides other payment solutions like POS, IVR, and mGalla. With 265+ payment options and 100+ million transactions processed annually, Atom Paynetz gives the leading edge to you for selling products online.

Here’re the more details about its payment gateway.

  • Atom Paynetz Payment Gateway service charges are:
    • Setup charges: Rs. 1,955/- (one time)
    • Annual maintenance charge/annual software upgradation charge: Rs. 2,955/-
    • Transaction fee:
      • 1% above the payment of Rs. 2,000/- per transaction
      • 1.99% for domestic credit cards
      • 1.8% for net banking
      • 3.95% international credit cards
      •  3.95% on JCB, Diners Club, and American Express Cards
      • 2.2% on major digital wallets
  • Key Features of Atom Paynetz Payment gateway service are
    • Supported international cards: Visa, Mastercards. JCB, American Express, Diners Club
    • Multi-currency support: Not supported.
    • Withdrawal fees: Zero
    • Settlement days: 2 days
    • Documentation required: Yes, you will need to verify basic documents
    • No of days to begin transaction: If you instantly complete document verification, you can start using the platform within 5-6 days.
    • Customer support: All the major eCommerce management systems like Drupal, WHMCS, WooCommerce, Magento, Opencart Shopify, Jigoshop, Prestashop, etc.
    • Mobile platform availability: Android and iOS

PayUbiz

It is trusted by Indian brands like Jabong, ALT Balaji, Groupon, BookMyShow. Myntra and more, PayUBiz is a robust Indian Payment Gateway that can help you cope with selling digital products online.

The platform is mobile-focused. Moreover, it can read and auto-fill OTPs on its own. Here’re the details of PayUBiz.

  • PayUbiz Payment Gateway service charges are:
  • Setup charge:
    • Platinum Plan: 19,900/-
    • Gold Plan: Rs. 14,900/-
    • Silver Plan: Rs. 9,900/-
    • Startup Plan: Rs. 4,900/-
    • Annual maintenance charge: Rs. 2,400/-
    • Transaction fee:
      • 2.25% on Platinum Plan
      • 2.50% on Gold Plan
      • 2.70% on Silver Plan
      • 2.95% on Startup Plan
  • 0.75% for transaction value of <=2000 on VISA, Mastercard, Maestro, Rupay
    • 1% for transaction value of >2000 on VISA, Mastercard, Maestro, Rupay

  • Key Features of PayUbiz Payment gateway service are
  • Supported international cards: Yes, any non-Indian issued card can be used.
    • Multi-currency support: Yes.
    • Withdrawal fees: Zero
    • Settlement days: 2 days
    • Documentation required: Yes, their documentation is rigorous and heavy
    • No of days to begin transaction: 5 to 7 days
    • Customer support:
      • WordPress
      • Magento
      • PrestaShop
      • Opencart
    • Mobile platform availability: Android, iOS, and Windows

Conclusion

Share your choice of payment gateways in the comments. If you have experienced any of the options shared in the post, share it in the comments.

You can also go for other leading payment gateway options like WePay, Stripe, Payoneer, Braintree, 2Checkout, etc.


Siddharth Rajsekar aka Sidz is a college drop-out, "musician turned digital geek", a spiritually grounded minimalist, father of 2, and husband of a loving wife. He founded the Internet Lifestyle Hub in 2018 to fix the education and employment system for good. Currently, he is helping over 11,000+ coaches, teachers, and experts digitize their knowledge. He’s an international best-selling author of the book You Can Coach and is on a mission to help 1,000,000 people live a lifestyle of freedom!

    3 replies to "Best Indian Payment Gateway Providers for Selling Digital Products"

    • Vipul Maheshwari

      Super Elaborate. Thank you.

    • Akash Patil

      Thanks Siddharth for sharing this in-depth blog post about Indian payment gateways. I personally love Instamojo for it’s zero setup fee and nominal transaction fees, also it has great integration options with Platforms like WordPress.

      PS- Hey Siddharth, Your webinars are great man. Keep up the good work buddy

    • Nitin Gupta

      Thanks siddharth, your article does tell a lot about gateways avalaible but only Paytm and Stripe are the only options which treat or consider a digital product to be sold such as a photograph.

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