A payment gateway is a technology that enables businesses to accept online transactions securely by transmitting details from customers to the processor. These systems allow for a seamless connection between e-commerce websites and financial institutions to facilitate digital transfers. Such processors play a critical role in ensuring secure dealings, providing fraud protection, and offering various methods of settlement, including credit cards, bank transfers, and digital wallets. In today’s digital economy, selecting the right solution is essential for businesses to streamline operations and enhance customer satisfaction.
The best gateway for India in our ranking is NOWPayments because of its seamless integration with various platforms and support for a broad range of cryptocurrencies. This payment service also offers low fees on every exchange, which is essential for businesses looking to minimize their overhead costs. It stands out with its easy setup, providing both traditional and digital methods for a versatile and secure processing experience. This combination of efficiency and cost-effectiveness makes it a top choice in India for 2026.
Choosing the right provider in 2026 is more crucial than ever for India, as businesses face increasing competition and evolving customer expectations. A reliable system can enhance the client experience by offering faster, more secure dealings, and accommodating various options for settling accounts. Additionally, it ensures compliance with changing regulations and security standards. The right platform can also help businesses reduce operational costs while ensuring smooth and fast processes.
Here’s a list of payment gateways for India:
- NOWPayments
- PayU
- RazorPay
- InstaMojo
- PayPal
What We Considered When Choosing the Best Payment Gateway: Our Selection Criteria
Our goal in creating this comparison was to provide an unbiased evaluation based on the features that matter most for businesses in India. We focused on elements that directly impact payment efficiency, ease of integration, and the ability to meet customer needs in the local market.
- Supported Payment Methods: Critical for businesses to offer a variety of payment options, ensuring seamless transactions for customers across different platforms.
- Transaction Speed: Essential for businesses to process payments quickly, providing a smooth and efficient checkout experience for customers.
- Integration Tools: Vital for ensuring that businesses can easily integrate the gateway with their existing platforms, reducing technical complexity and speeding up the deployment process.
The comparative table below summarizes how each gateway performs in these three decisive categories, which we will explore in detail for each provider.
| Payment Gateway | Supported Payment Methods | Transaction Speed | Integration Tools |
|---|---|---|---|
| NOWPayments | 350+ cryptocurrencies, 40+ fiat options, including debit & credit cards | Instant for crypto, 1–3 minutes for fiat | API, payment button & widget, POS |
| PayU | 150+ payment modes including cards, UPI, wallets, net banking, EMI | Typically 1–2 days settlement* | API, plugins, payment links |
| RazorPay | 100+ payment modes including cards, UPI, wallets & netbanking | Instant acceptance; potential speed optimized by UPI | API, SDKs, checkout buttons & links |
| InstaMojo | 100+ modes such as cards, UPI, netbanking, wallets, pay‑later | ~3 business days standard settlements† | API, plugins, payment button & links |
| PayPal | Global cards & PayPal wallet (cross‑border) | Instant within PayPal ecosystem, bank transfers slower | API, checkout buttons, payment links |
NOWPayments
NOWPayments is the best crypto payment gateway, offering companies an efficient way to accept a wide variety of cryptocurrencies and fiat currencies, including debit and credit cards. With its robust custodial setup, this platform caters to global digital transactions. Enterprises can integrate it easily with their existing systems, making it a top choice for e-commerce platforms and online merchants. As a reliable provider, NOWPayments helps entrepreneurs expand their reach by offering secure, low-cost solutions for digital financial exchanges.
Supported payment methods. NOWPayments stands out for supporting 350+ cryptocurrencies and 40+ fiat options, including popular debit and credit cards. This flexibility ensures that enterprises can cater to both traditional customers and the growing crypto community. The extensive list of accepted transaction methods allows for global dealings, catering to a broad audience. It also supports digital wallets, enhancing the user experience with various transaction options.
| Payment Method | Accept | Withdraw |
|---|---|---|
| Cryptocurrency | ✅ | ✅ |
| Credit/Debit Cards | ✅ | ✅ |
Transaction speed. NOWPayments delivers impressive transaction speed, processing crypto exchanges instantly and fiat transactions within 1–3 minutes. This ensures fast, real-time processing, enhancing the experience for both companies and customers. The quick processing speeds are crucial in industries where fast financial transfers are essential for operational efficiency. With this rapid processing, businesses can manage cash flow seamlessly, avoiding delays in settlement.
| Speed Metric | Timeframe |
|---|---|
| Payment Confirmation | Instant (Crypto) |
| Settlement to Account | 1–3 minutes (Fiat) |
Integration tools. NOWPayments offers a variety of integration tools, such as an API, payment buttons and widgets, and POS solutions. These tools make it easy for companies to incorporate this service into their existing platforms without significant development costs. With instant setup and minimal technical complexity, NOWPayments provides a smooth integration experience. These features make it an ideal choice for startups and online merchants looking for an easy way to start accepting digital payments.
| Integration Tools | Available |
|---|---|
| API | ✅ |
| Payment Button | ✅ |
| Payment Widget | ✅ |
| POS | ✅ |
PayU
PayU is a well-known India gateway provider that offers a diverse range of transaction options, including credit and debit cards, UPI, and wallets. It is particularly popular for its ability to support local Indian companies, enabling them to accept funds from customers across different payment modes. The service offers competitive fees and fast processing, making it an ideal solution for those looking for a reliable gateway provider in India. As one of the leading providers in India, PayU offers both domestic and international payment solutions for its clients.
Supported payment methods. PayU offers more than 200 transaction options, ensuring companies can cater to a broad customer base. Its strong integration with local financial methods such as UPI and wallets makes it a go-to option for enterprises operating in India. Additionally, it supports international transactions, making it suitable for those looking to expand globally. This wide variety of accepted transaction methods ensures that PayU can meet diverse operational needs.
| Payment Method | Accept | Withdraw |
|---|---|---|
| Credit/Debit Cards | ✅ | ✅ |
| Digital Wallets | ✅ | ✅ |
| UPI | ✅ | ❌ |
Transaction speed. PayU processes exchanges instantly, but the settlement time typically takes 1-2 business days, depending on the method used. This is ideal for companies that want immediate payment confirmation but are okay with a slightly longer wait for funds to settle. The quick authorization of financial exchanges helps enterprises provide a smooth and secure process for their customers. With its reliable processing speed, PayU ensures minimal disruption to operational flow.
| Speed Metric | Timeframe |
|---|---|
| Payment Confirmation | Instant |
| Settlement to Account | 1-2 business days |
Integration tools. PayU offers various integration options, including an easy-to-use API and plugins for popular e-commerce platforms. Its tools are simple to set up, making it a suitable solution for enterprises looking to accept funds quickly. PayU also offers mobile SDKs, enabling companies to accept payments via mobile apps. These features make PayU one of the top gateways in India, ideal for both online and mobile businesses.
| Integration Tools | Available |
|---|---|
| API | ✅ |
| E-commerce Plugins | ✅ |
| Mobile SDK | ✅ |
Razorpay
Razorpay is a prominent online gateway in India known for its developer-friendly tools and support for a variety of transaction methods. It is a favorite among Indian companies, especially startups, because of its simple integration and fast processing. This provider also offers a comprehensive suite of services, including payment pages, recurring billing, and international transactions. With its focus on reliability and customer support, it is one of the top providers for India.
Supported payment methods. RazorPay offers support for over 100 financial options, including cards, UPI, wallets, and net banking, making it a versatile solution. It allows businesses to accept funds from a wide range of customers, both domestically and internationally. The gateway’s support for UPI and digital wallets makes it ideal for Indian companies seeking local transaction options. Its diverse methods ensure that enterprises can easily cater to their customers’ preferred payment modes.
| Payment Method | Accept | Withdraw |
|---|---|---|
| Credit/Debit Cards | ✅ | ✅ |
| UPI | ✅ | ❌ |
| Digital Wallets | ✅ | ✅ |
Transaction speed. RazorPay processes transactions instantly, providing quick confirmation of successful exchanges. The fast processing helps businesses improve customer satisfaction by reducing the time spent waiting for approvals. With its quick turnaround times, RazorPay supports companies by facilitating real-time transactions. This feature is particularly useful for online operations looking to provide a seamless checkout experience.
| Speed Metric | Timeframe |
|---|---|
| Payment Confirmation | Instant |
| Settlement to Account | Instant |
Integration tools. RazorPay’s API and e-commerce plugins make it easy for businesses to integrate their gateway solution. The service also offers a payment button and mobile SDK, ensuring that companies can accept payments via both web and mobile platforms. With these user-friendly integration options, RazorPay simplifies the setup process for its clients. Whether for a startup or a large business, RazorPay’s integration tools are efficient and straightforward.
| Integration Tools | Available |
|---|---|
| API | ✅ |
| E-commerce Plugins | ✅ |
| Mobile SDK | ✅ |
InstaMojo
InstaMojo is a popular gateway tailored for small companies in India. With a focus on simplicity and affordability, it offers an easy-to-use solution for businesses to start accepting online transactions. It supports multiple payment methods such as UPI, cards, and wallets, making it accessible for a wide audience. InstaMojo also provides invoicing and payment tracking features, making it ideal for companies in need of an all-in-one solution for their financial needs.
Supported payment methods. InstaMojo supports a wide range of options. This ensures that businesses can cater to customers with varying preferences for how they want to make payments. The inclusion of UPI and wallets gives companies access to the most popular local financial methods in India. InstaMojo also supports international transactions, making it a viable option for enterprises with global clients.
| Payment Method | Accept | Withdraw |
|---|---|---|
| Credit/Debit Cards | ✅ | ✅ |
| UPI | ✅ | ❌ |
| Digital Wallets | ✅ | ✅ |
Transaction speed. InstaMojo ensures instant processing of financial exchanges, providing companies with immediate confirmation. However, the settlement time typically takes up to 3 business days, although an instant payout option is available. The fast processing improves cash flow, allowing businesses to operate smoothly without transaction delays. InstaMojo’s transaction speed is ideal for enterprises that require quick processing to maintain their operational flow.
| Speed Metric | Timeframe |
|---|---|
| Payment Confirmation | Instant |
| Settlement to Account | 3 business days |
Integration tools. InstaMojo provides an easy-to-use API, plugins for e-commerce platforms, and payment buttons that companies can use to integrate deposits quickly. The integration tools are designed to be simple, making it accessible for small businesses that may not have dedicated technical teams. InstaMojo also offers payment links, allowing businesses to collect transactions via shared URLs. These easy options make InstaMojo a popular choice for small companies in India.
| Integration Tools | Available |
|---|---|
| API | ✅ |
| E-commerce Plugins | ✅ |
| Payment Links | ✅ |
PayPal
PayPal is a globally recognized gateway solution known for its secure, efficient, and user-friendly platform that handles transactions across borders. It allows companies to accept a wide range of payment methods, including credit and debit cards, PayPal balance, and international options. PayPal’s reputation for customer protection and robust security features has made it a trusted solution for businesses worldwide. Its ease of use, along with the ability to cater to both local and international customers, makes it one of the top gateways in India and across the globe.
Supported payment methods. PayPal supports a variety of methods, including credit and debit cards, and international financial options, making it ideal for businesses with a global customer base. Its ability to process cross-border funds ensures companies can reach customers in multiple countries without issues. The flexibility of this platform allows businesses to accept funds from a wide array of customers using different settlement modes, enhancing its appeal for global transactions. Additionally, its integration with other global financial systems makes it a versatile and convenient choice for companies looking to expand their operations.
| Payment Method | Accept | Withdraw |
|---|---|---|
| Credit/Debit Cards | ✅ | ✅ |
| PayPal Balance | ✅ | ✅ |
| International Cards | ✅ | ✅ |
Transaction speed. The platform offers instant confirmation for exchanges within its ecosystem, meaning businesses can quickly confirm funds. However, withdrawals to bank accounts can take 1-3 business days, depending on the region and banking processes. Despite the delay with bank transfers, its internal settlements are fast, providing businesses with an efficient process for managing cash flow. This rapid processing speed makes it an attractive option for companies looking to confirm exchanges quickly and operate smoothly across international borders.
| Speed Metric | Timeframe |
|---|---|
| Payment Confirmation | Instant |
| Settlement to Account | 1-3 business days |
Integration tools. PayPal provides a comprehensive suite of tools for seamless setup, including an API, checkout buttons, and invoicing features. It also supports mobile payments through its SDK, making it easy for businesses to accept transactions on multiple devices. With its simple implementation, the system ensures that companies can set up their platforms quickly and begin accepting transactions with minimal technical expertise. Its flexible setup options are designed to accommodate businesses of all sizes, from small startups to large enterprises.
| Integration Tools | Available |
|---|---|
| API | ✅ |
| Payment Buttons | ✅ |
| Invoicing | ✅ |
Conclusion
In this article, we have examined the top payment gateways in India for 2026, focusing on key solutions like NOWPayments, PayU, RazorPay, InstaMojo, and PayPal. While each gateway offers distinct benefits, NOWPayments emerges as the most adaptable option for businesses seeking to grow in India. Its ability to support over 350 cryptocurrencies and 40+ fiat options makes it a leading online gateway in India for transferring funds, catering to a broad range of customers. This platform offers merchants an efficient way to process both traditional and digital transactions, which is crucial for staying competitive in today’s evolving market.
When choosing the right payment gateway, NOWPayments is the ideal choice for companies in India aiming to enhance their online transactions with minimal fees and maximum speed. Its cross-border capabilities and secure platform ensure companies can reach a global customer base while maintaining low operational costs. With rapid processing speeds, including instant confirmations for crypto transfers and 1-3 minute processing for fiat, it guarantees a smooth transaction system for businesses of all sizes. This makes this provider an excellent choice for those seeking a reliable solution for online settlements from customers and efficient processing.