Mobile app usage in India has grown rapidly over the last few years, and mobile payments have grown along with it. Today, smartphones are no longer a luxury—they are a necessity. From food delivery and ecommerce to fintech and SaaS apps, mobile applications are transforming how users make payments.

To stay competitive, businesses must integrate reliable and secure mobile payment solutions. A transaction completed through a smartphone is commonly referred to as a mobile payment or mobile money transfer.

With many options available, choosing the best payment gateways for mobile apps in India can be challenging. Based on our real-world development experience at Sigosoft, we’ve curated a list of the top payment gateways for mobile applications in India, focusing on ease of integration, SDK support, pricing, and reliability.

Comparison: Best Payment Gateways for Mobile Apps in India

1. Razorpay 

Razorpay is one of the best payment gateways for mobile apps in India, especially for startups and fast-growing businesses. It offers zero setup and maintenance fees, making it cost-effective. Razorpay supports UPI, credit and debit cards, net banking, and popular wallets.

At Sigosoft, Razorpay is often our first choice because of its ready-to-use Android and iOS SDKs, allowing apps to go live in under an hour. It is PCI DSS Level 1 compliant and provides real-time dashboards, instant activation, and excellent customer support.

Best for: Startups, SaaS, ecommerce apps
Mobile platforms: Android & iOS
Major users: Airtel, Zomato, Zoho, Goibibo

2. Instamojo

Instamojo is a highly user-friendly payment gateway suitable for small businesses and creators. It allows merchants to collect payments even without a website, making it ideal for early-stage mobile apps.

It supports UPI, cards, net banking, and wallets, with fast setup and simple integration. Instamojo also offers payment links and a mobile dashboard for managing payments on the go.

Best for: Small businesses, creators
Mobile platforms: Android & iOS
Major users: UrbanClap, YourStory

3. Paytm  

Paytm is one of the largest digital payment platforms in India and a strong choice for apps with a massive consumer base. It supports UPI, Paytm Wallet, cards, net banking, and Paytm Postpaid.

While Paytm offers powerful features and high success rates, its payment gateway onboarding involves detailed KYC, which can take time. It’s ideal for businesses that want both Indian and international customer coverage.

Best for: Consumer-focused apps
Mobile platforms: Android & iOS
Major users: Swiggy, Lenskart, Urban Company

4. Paypal

PayPal is a global leader and one of the best payment gateways for mobile apps in India that target international users. It supports multiple currencies and is widely trusted worldwide.

Although integration may take longer compared to Indian gateways, PayPal is reliable for cross-border payments and freelancers working with global clients.

Best for: International payments
Mobile platforms: Android & iOS
Major users: Shopify, FreshBooks

5. CCAvenue

CCAvenue is a robust enterprise-grade payment gateway in India offering over 200 payment options. It supports multiple currencies and languages, making it suitable for businesses with a global presence.

Features like smart routing, retry options, and fraud detection tools help improve transaction success rates in mobile apps.

Best for: Large enterprises
Mobile platforms: Android, iOS, Windows
Major users: Myntra, MakeMyTrip, AirAsia

6. Zaakpay

Zaakpay, developed by MobiKwik, is a reliable option for SMEs and startups. It supports UPI, QR codes, cards, and net banking with flexible integration options.

It offers a customizable checkout experience and strong security compliance.

Best for: SMEs
Mobile platforms: Android & iOS
Major users: Uber, IRCTC, Indiamart

7. Juspay

Juspay is a trusted payment gateway used by many high-traffic mobile apps in India. Known for its performance and reliability, Juspay offers a seamless checkout experience and single integration for multiple payment networks.

Best for: High-volume mobile apps
Mobile platforms: Android & iOS
Major users: BookMyShow, redBus, Snapdeal

8. Cashfree

Cashfree is one of the fastest-growing payment gateways for mobile apps in India. It offers quick onboarding, instant refunds, recurring payments, and international payment support.

Its highly customizable APIs make it a popular choice for fintech and subscription-based apps.

Best for: Fast onboarding & refunds
Mobile platforms: Android & iOS
Major users: Puma, Zoomcar, Inshorts

9. QPay India

QPay India provides secure and flexible digital payment solutions, including portable POS options. It is PCI DSS certified and suitable for businesses that need multi-currency and multilingual support.

Best for: POS-based mobile apps
Mobile platforms: Android, iOS, Windows

10. India Pay

IndiaPay offers reliable and real-time payment processing with flexible integration options. It supports UPI, cards, and other payment methods with 24/7 customer support.

Best for: Custom integrations
Mobile platforms: Android & iOS
Major users: IndiaMART

FAQs: Best Payment Gateways for Mobile Apps in India

Which payment gateway is best for mobile apps in India?
Razorpay and Cashfree are among the best payment gateways for mobile apps in India due to easy integration, strong SDK support, and high success rates.

Which payment gateway supports Android and iOS apps?
Most leading gateways like Razorpay, Paytm, Cashfree, and Juspay provide SDKs for both Android and iOS.

What is the cheapest payment gateway for mobile apps in India?
Pricing varies, but Razorpay, Cashfree, and Instamojo offer competitive rates around industry standards.

Do payment gateways support UPI AutoPay and subscriptions?
Yes, gateways like Razorpay, Cashfree, and Paytm support recurring payments and UPI AutoPay.

Final Thoughts

Choosing the best payment gateways for mobile apps in India depends on your business goals, target users, and scale. Startups may prioritize quick integration and low costs, while enterprises focus on reliability and compliance.

If you’re building a mobile app and need help selecting or integrating the right payment gateway, Sigosoft’s mobile app development team can guide you from planning to deployment.