10 payment gateway

Studies show that the number of mobile app users has increased tremendously these days and so have mobile payments too. The smartphone is becoming one of the basic needs for people and they are revolutionizing how people live, and now they are changing how they make payments. Hence companies must embrace mobile payments to stay competitive. A transaction that involves payment via mobile is referred to as mobile payment or mobile money transfer. 

There is a wide array of payment gateways available today. In order to help you choose the most user-friendly and widely used mobile payment gateways in India, we have compiled a list of the top 10 most used ones based on the experience of our development team.


1. Razorpay 

Razorpay is one of the payment solutions in India with top-class performance. Anyone who promotes or offers online payment services can partner with them. It has zero setup fees and maintenance fees. The payment modes include UPI, credit & debit cards, net banking, and wallets like MobiKwik, Olamoney, etc. Here at Sigosoft, Razorpay is always our number-one pick. Since it has a ready-to-use integration kit, the integration process is very easy and takes less than an hour to go live.

Its features include Instant activation, 100+ payment modes, secure payment, always available customer support through calls, chats, and emails, a dashboard with real-time data insights, and many more. It uses a PCI DSS level 1 compliant solution for a secure payment process.


Major users: Airtel, Goibibo, ZOHO, Zomato

Mobile app platforms: Android & iOS



2. Instamojo

Like Razor Pay, Instamojo is always a top choice for our developers since it is so user-friendly. With Instamojo, the new merchant can easily create an account with a payment gateway to collect payments online, regardless of whether they have a website or not. This is also free from setup fees and maintenance fees. Instamojo can be set up very quickly. All your e-commerce business needs can be carried on this single platform. The payment sources include UPI, credit & debit cards, net banking, wallets, etc.

You can create payment links and can collect the payment from your customers. The link can be generated from the Instamojo dashboard. You can collect payments, manage sales, process payouts, and resolve cases using the mobile app with Instamojo’s payment gateway. Our experience with them was that they offer customer support in a very straightforward manner. In just a few steps the users can avail of their customer support service too. 


Major Users: UrbanClap, YourStory

Mobile app platforms: Android & iOS



3. Paytm  

You can now pay for your day-to-day essentials with ease on Paytm, the largest mobile e-commerce platform in India. It is the all-in-one payment gateway that offers numerous payment options including UPI, credit & debit cards, net banking, Paytm wallet, Paytm postpaid, etc. You can even pay your bills, recharge, and book tickets on Paytm. Also, it has no setup fee or maintenance fee. Instant activation, easy integration, 100+ payment sources, high success rates, best checkout experience, a powerful dashboard to monitor the activities, and dedicated customer support available round-the-clock are the few reasons why most business solutions choose Paytm as their payment gateway.

If your business has both Indian and International customers, stop thinking and go for Paytm. However, based on our experience, it does not seem very user-friendly. Payment gateways are not their main focus since they also offer a range of other services. Moreover, getting a payment gateway requires KYC, but Paytm’s KYC is complex and time-consuming.


Major Users: Lenskart, Urban Company, Swiggy, Vi

Mobile app platforms: Android & iOS



4. Paypal

It’s no secret that PayPal payments are extremely popular, and one of the leading brands. Many people even without any experience with electronic payments have heard of the name “PayPal”- a clear indication of its status. This payment gateway solution is ideal for startups, enterprises, SMEs & freelancers. Paypal also has zero setup fees and maintenance fees. For international services, we usually go for Paypal, but the major problem we encountered while using Paypal was, it takes around 5 days for integration.

It is open almost anywhere in the world, accepts a variety of currencies (about 26), and is available almost everywhere. The result is clear: PayPal processes 5-10 million payments daily, and the number keeps growing with the growing client base. Customer support is always available through calls and emails. 


Major users: Shopify, Freshbooks, Shopmatic, WHMOS

Mobile app platform: Android & iOS



5. CCAvenue

CCAvenue is one of the popular payment gateways in India with 200+ payment options. This includes credit cards, debit cards, net banking, UPI, prepaid instruments, and a lot more. A number of powerful tools are designed to stimulate the very smooth and efficient functioning of the solution. To enable a global reach, the checkout page is available in 18 major Indian & International languages. It has zero setup fees and can be activated within an hour. 

2 of the major features of this payment gateway are, CCAvenue F.R.I.S.K for risk detection & CCAvenue S.N.I.P for monetizing social network platforms. Its other features include multiple currency processing, a multilingual checkout page, easy customization, retry option when the transaction fails, smart dynamic routing to find out the best performing gateway, responsive checkout page, etc. CCAvenue has a super support team to solve your queries through calls, chats, and emails. 


Major Users: Make My Trip, Myntra, Lakme, Air Asia

Mobile app platforms: Android, Windows & iOS



6. Zaakpay

This is a payment gateway developed by MobiKwik in India. It is ideal for small, medium enterprises and startups and is free of setup and maintenance fees. It has diverse payment modes such as UPI, QR codes, credit & debit cards, net banking, etc.  Also, it has very flexible integration options to make it easy for users to integrate this payment gateway with their mobile application. It takes only a single day to integrate Zaakpay. 

Its features include secure transactions, a powerful dashboard for efficient payment management, a reduced rate of failed transactions, a customizable checkout page so as to match your brand with a smooth UI, affordable pricing, and 24*7 customer support. It uses a PCI DSS compliant gateway for keeping user data safe and secure. 


Major users: Uber, IRCTC, Indiamart, Akbar travels

Mobile app platforms: Android & iOS



7. Juspay

Juspay is one of the most trusted payment gateways in India. Most of the leading companies use it as a reliable solution for secure online transactions. Its efficiency and cost-effectiveness make it the ideal choice for mobile applications. Juspay does not charge any setup fees or maintenance fees. But the transaction fees are customized. The very instant setup process is a plus. 

Fully configurable checkout experience, single integration for all networks,  Express checkout are some of the features of Juspay. You can ask your queries and seek customer support through emails.


Major Users: Snapdeal, redBus, Book My Show, Zoomcar

Mobile app platforms: Android & iOS



8. Cashfree

Cashfree is a payment gateway in India with a 120+ wide range of payment options like credit and debit cards, net banking, mobile wallets, and a lot more. Other than this they also provide cardless payment options such as Zest money, Ola money, etc.  It is built for the complete banking needs of a business. Once you are done with the procedures, you can go live in 24 hours. 

Cashfree payment gateway enables international payments and it is the only solution that offers an instant refund. Its major features include payment collection, payment recurring, and payout. It has a very easy onboarding process and the customers will get 24 hours customer support from their side. This has highly customizable APIs to let the users achieve their desired payment flow.


Major users:  Puma, Zoom car, Inshorts, Grofers

Mobile app platforms: Android & iOS



9. QPay India

This is a digital payment solution that is fast, secure, robust, and reliable as well. It also has various payment options like credit & debit cards, UPI, net banking, and more. If you need a portable POS for your mobile payment, it is better to choose QPay. When it comes to security, it is PCI DSS certified. It is free from setup fees and maintenance fees but it takes 3 to 5 days to set up the system. 

The features of QPay include fraud management, mobile checkout, real-time statistical reports, fast integration, retry option when the transaction fails, multi-currency support, international card acceptance, multilingual checkout page, and many more. The users can avail of customer support 24*7*365 through chats, email, or telephone.


Mobile app platform: Android, iOS, Windows



10. India Pay

The IndiaPay platform enables high-speed, secure, reliable, real-time transactions over the Internet. Its payment options include credit & debit cards, cheques, UPI, etc. Unlike other payment gateways, it has flexible setup fees and maintenance fees. 

India pay has a very simple integration since it has APIs to integrate anywhere and along with this, it provides the users a very seamless user experience. Whenever you encounter any problems using the system, you can reach out to customer service, which is available 24/7.


Major Users: India mart

Mobile app platforms: Android & iOS



Closing words,

Having a payment gateway for your mobile application is always the best choice to sustain in this competitive market. Since there are numerous options available, it is our responsibility to choose the best fit for our business. Depending on its specific goals, each payment gateway has its own unique specialties. Choose the one that best suits your needs and take the next step in your business journey.