How To Choose Best Payment Gateway In India

payumoney best payment gateway

Looking at the uprising online opportunities in our country, it is clear that the payment gateways are a necessary element of the online economy. Choosing the best payment gateway in India is one of the most important things you need to do when you plan a roadmap for your online business. Read this blog to understand the details you should consider while choosing the best payment gateway: 

best payment gateway india

Business Approval Process For Payment Gateway

Will you like to fill in a long detailed form to start accepting payments? Or will you like to start accepting payments right away and then come back to complete the documentation at a later stage? Well, the latter one sounds better, isn’t it?  

A payment gateway that let’s you focus on your business growth while you complete the document verification process is always preferred. Choose the one with easy documentation upload/sharing  facility.  

Quick Integration 

Will you like to hire a developer to integrate your website with your payment gateway? Or will you prefer to do it all by yourself with minimum coding requirements? 

Ideally, a payment gateway should be quick to integrate. But, there are only a few ones available in India that provide you with such an interface. It should support you across mobile and website. It should also have plugin support for third party e-commerce platforms and shopping carts.  


Losing trust and credibility of your loyal customer due to hacking or leaking sensitive card data is the worst thing that can happen for your business.  

As there have been technical advancements, so have been the rise in cyber related crimes and false claims. Ask and check how the payment gateway protects you from frauds and hacks. Some of the security practices include: 128 bit SSL encryption, Tokenization, Advanced Encryption Standard  and stringent compliance like Payment Card Industry Data Security Standard (PCI-DSS).   

Pricing And Fees Of A Payment Gateway

While you sell and earn online, will you like to share a good chunk of your earnings with a third party service provider? Or, will you like to get charged for something you were unaware of? 

Certainly NO. Look for a payment gateway with affordable rates without Annual maintenance charges and setup fees. Also, be aware of any hidden charges. These might include charges you probably did not think about like- cancellation charges or charges on not transacting a minimum account every month!  

Multi Payment Options 

How about providing a choice to your customers to pay by their preferred payment mode? 

It is ideal to choose a payment gateway that provides a number of ways to make payments. Credit/debit cards, net banking, UPI and Wallet should be available by default. This makes it easy for your customer to have an alternate option to make the payment in case they cannot complete the transaction using one option. EMI and International cards also helps you increase your consumer base, enhancing your sales in the long run! 

User Friendly Transaction Management  

How about a platform where you can check the status of your transactions? Where you can analyze your transaction history and get quick notifications?  

Well, this will help you have a smooth experience when you check your transactions, in the long run helping you save your time and effort. And, the good news is that such payment gateways exists! So look out for a platform that is one stop destination and caters to everything related to online business.  

Payment Gateway Customer Support 

What if you get stuck while using your payment gateway? Or come across some technical issues which do not have any answers on the web? 

Despite all these facilities and aids, the most important thing you should look out for the best payment gateway in India is the kind of the customer support they provide. Both, process related and tech related queries should be addressed as soon as possible so that your business is not impacted at all!  

Other Tools & Services  

How about having a Payment Gateway that does a little more for your online business and helps you reach out to masses? 

Look out for a payment gateway that can be easily used on third party platforms with plugins, gives you the ability to collect payments with just payments links or the one which you test even before integrating with! Choose the one with these additional benefits which will only help you  in the long run. 

Now that you know what are the pre-requisites before you choose the best payment gateway in India, Signup on PayUmoney now and get all these benefits under one roof!  

Author: Khushali Shah

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