How to Choose the Best Payment Gateway for Your Indian eCommerce Store
In India’s booming eCommerce industry, offering a smooth and secure payment experience isn’t just important — it’s essential. With rising digital adoption and consumer expectations, choosing the right payment gateway can significantly impact your sales, customer trust, and brand reputation.
At SoftClinch Consulting Services, we help Indian businesses integrate reliable and scalable payment solutions that align with their digital growth.
Key Factors to Consider When Choosing a Payment Gateway
|
Payment Mode |
Razorpay |
PayU |
Cashfree |
CCAvenue |
Instamojo |
|
UPI |
✅ Yes |
✅ Yes |
✅ Yes |
✅ Yes |
✅ Yes |
|
Credit/Debit Cards |
✅ Yes (Visa, MasterCard, RuPay, AMEX) |
✅ Yes |
✅ Yes |
✅ Yes |
✅ Yes |
|
Net Banking |
✅ 70+ Banks |
✅ 50+ Banks |
✅ 100+ Banks |
✅ 50+ Banks |
✅ 50+ Banks |
|
Wallets |
✅ Paytm, Freecharge, Mobikwik, etc. |
✅ Limited |
✅ Most major wallets |
✅ Limited |
✅ Paytm only |
|
EMI Options |
✅ Credit card EMIs & Cardless EMIs |
✅ Credit card EMIs |
✅ EMIs + BNPL (ZestMoney, LazyPay) |
✅ Credit card EMIs |
❌ Not supported |
|
BNPL (Buy Now, Pay Later) |
✅ LazyPay, Simpl, ZestMoney |
✅ LazyPay, Simpl |
✅ ZestMoney, Flexmoney |
❌ Not available |
❌ Not available |
Transparent Pricing
Compare:
- Setup fees
- Transaction percentage
- Refund processing costs
- Annual Maintenance Charges (AMC)
|
Gateway |
Transaction Fee |
Setup Fee |
AMC |
|
Razorpay |
2% + GST |
₹0 |
₹0 |
|
PayU |
2.5% |
₹0 |
₹0 |
|
Cashfree |
1.75% – 2.5% |
₹0 |
₹0 |
Fast Settlement
Look for T+1 or same-day settlement features. This ensures better cash flow for your operations.
Security & Compliance
Ensure the gateway is:
- PCI-DSS compliant
- 3D Secure enabled
- Tokenization ready
- RBI compliant for Indian transactions
SoftClinch ensures every gateway integration follows top-tier security standards and government regulations.
Integration with Your Platform
Your chosen gateway should work seamlessly with:
- Shopify
- WooCommerce
- Magento
- Custom PHP/JavaScript apps
At SoftClinch, we provide custom integration support for every platform.
Mobile Optimization
More than 70% of Indian users shop via mobile. Choose a gateway that:
- Offers responsive design
- Allows one-click payments
- Minimizes redirects for checkout
Customer Support
Issues with transactions or chargebacks can ruin customer trust. Make sure your provider offers:
- 24/7 support
- Easy refund processing
- SLA-driven escalation systems
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