Startup City Magazine
A monthly magazine for business startups and young entrepreneurs.




Sales, sales, sales- as a business owner, you have them in your sights.

When it comes to online business, you want your customers’ purchasing experienced on your site to be as seamless as possible including at its most important, the checkout experience.

You have invested a good amount of money and time in creating a fascinating website and purchase a quality web hosting. But have you thought about your checkout process? If it is simple and secure, you will be easily inviting customers.

So what are the major factors to a positive buying experience? A solid payment gateway, a third-party application, which provides an easy-to-use tool for processing payments from sales.

Let’s discuss: what is a payment gateway? How does it work? What options are out there?

Introduction- A Payment Gateway

An application that makes the online payment simple and easy can be called a payment gateway. It works as a medium that connects a merchant’s mobile app or website with the bank. When a user does payment through a payment gateway, the merchant’s website sends your debit/credit card details to the gateway for confirmation. Then it verifies the details from the bank and the amount gets transferred from the bank account to the merchant’s bank account.

Here are the best payment gateways in India that are useful for e-commerce and start-up business;


The global payment platform, PayPal is available in 200+ companies and claims to have processed 4 billion payments. In case, you are expecting orders from your international consumers, PayPal is the best option to integrate on your site. It supports over 100 countries with a fund withdrawal facility in your bank accounts in 57 currencies and holds balanced in their PayPal accounts in 26 currencies.


Over the years, Paytm has grown and gained significant popularity and hence, the Business Paytm model is equally reliable. It is in the leading position when it comes to QR based mobile payments. It works very smoothly and is one of the most user-friendly payment gateways in India. It provides a plug-in for major ecommerce platforms; the customer support is excellent and it supports all domestic debit and credit cards.


When it comes to payment gateways, PayKun is among the top names. It assures the security of the sensitive data and funds involved in the online transaction between the buyer and the seller by being PCI DSS Level 1 compliant. Under it, the customer gets multiple payment options to ensure that the payment is done quickly. You can integrate it with the website of all major platforms like Dot Net, WordPress, iOS, PHP, Java, OpenCart, etc.


One of the most intuitive and effective payment gateways, Easebuzz holds a strong emphasis on digital payment on the global level through many mediums like a credit card, UPI, net banking, debit card, etc. It comes with a boatload of state-of-the-art features that can easily make a transaction immensely easy like QR Code-based payment, Easy API, 100+ Payment Option.  The best part is that setup costs for large and medium-sized businesses are completely free when you take the Easebuzz payment gateway.


The only payment solution in India, Razorpay allows businesses to accept the process and disburse payment with its product suite. It provides you access to all payment modes like debit card, credit card, net banking, UPI and popular wallets like PayUmoney, Airtel Money, Ola Money, JioMoney, PayZapp. This option is well known for the highest level of tech integration at a reasonable price.

PayU India

Among the biggest payment gateways of India, PayU India provides the best customer service. Because of its multiple advantages, it has been roped in e-commerce biggies like Jabong and Snapdeal. This payment gateway offers four different pricing packages that change in including aspects such as the Risk Management System, Mobile optimized payment page, IVR Payment, Multi-Currency Gateway, Store Card Features, and Amount Analytics.


Once, Mobikwik was a famous household name for online mobile research. Because of its increasing popularity and usage, it has now become one of the most famous payment gateways in the country within no time. Presently, Mobikwik is offering two plans that are Small Business/Startups and Enterprise. It has a mobile-friendly and mobile-optimized checkout design. It supports WordPress, Java, PHP, OpenCart, Magento, and Asp. Net.

HDFC Payment Gateway

Apart from being one of the leading banks in India, the payment gateway brought you by HDFC is amazing but, it is not for small businesses. If you have a large company and a good flow of cash, try this gateway. Today, this is one of the best payment gateways in India for big ventures and offering two services that are Business-to-Business and Direct Pay Mode of Payment. It can support many shopping carts and all Master or VISA credit cards and debit cards, Net banking. Right now, this payment gateway is available on Android, iOS, and Windows.

These are the top payment gateways in India that you can use for your business. Compare the services across the platforms and technologies and select that suits your business.

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