Top 5 Domestic Payment Gateways in India for 2025

Introduction

Digital payments have become the backbone of India’s rapidly growing online economy. Whether you run an e-commerce store, a SaaS business, or a local service website, integrating a secure and efficient payment gateway is essential.

With multiple options available, it’s important to choose a gateway that ensures smooth transactions, low fees, strong security, and easy integration. In this article, we’ll explore the top 5 domestic payment gateways in India for 2025, their features, pricing, and why they stand out.

🥇 1. Razorpay

Overview:
Razorpay remains the market leader among Indian payment gateways in 2025. It offers a complete payment suite covering payments, payouts, subscriptions, and even loans for businesses.

Key Features:

• Supports UPI, credit/debit cards, net banking, and wallets.
• Easy integration with platforms like WooCommerce, Shopify, and Magento.
• Powerful dashboard and analytics.
• RazorpayX for business banking solutions.

Pricing:

• Standard transaction fee: 2% for domestic transactions.
• No setup or annual maintenance fee.

Best For:
Startups, SMEs, and growing e-commerce businesses.

🥈 2. PhonePe Payment Gateway

Overview:
PhonePe, known for its UPI app, launched its PhonePe Payment Gateway for merchants, quickly becoming a top domestic choice thanks to its reliability and UPI expertise.

Key Features:

• Lightning-fast UPI payments.
• Seamless checkout experience.
• Strong fraud detection and security infrastructure.
• Trusted by millions of Indian users.

Pricing:

• Competitive transaction rates (around 1.8% for cards).
• No hidden charges for UPI transactions.

Best For:
Businesses focusing on UPI-first customers and mobile app payments.

🥉 3. Cashfree Payments

Overview:
Cashfree is known for its easy onboarding, fast settlements, and excellent API integration. It’s especially popular among startups and subscription-based platforms.

Key Features:

• Supports 120+ payment modes including UPI, cards, and wallets.
• Payouts API for bulk vendor or salary payments.
• Instant settlements available.
• Excellent developer support.

Pricing:

• Transaction fee: ~1.9% per transaction.
• Instant settlement feature may incur an additional small fee.

Best For:
Businesses needing both payment collection and automated payouts.

🏅 4. Paytm Payment Gateway

Overview:
As one of India’s biggest fintech names, Paytm’s payment gateway is trusted for both domestic and offline transactions.

Key Features:

• Works across cards, wallets, UPI, and net banking.
• High success rate due to strong backend infrastructure.
• Integration with POS and QR code payments.
• Advanced risk and fraud management tools.

Pricing:

• 1.75%–2% per transaction (depending on volume).
• No setup fee for basic plans.

Best For:
E-commerce, retail, and hybrid (online + offline) businesses.

🏆 5. CCAvenue

Overview:
One of the oldest and most reliable gateways in India, CCAvenue offers a wide range of payment options and multilingual checkout pages.

Key Features:

• 200+ payment options including EMI and wallets.
• Multi-currency support (useful for exporters too).
• Customizable checkout and advanced analytics.
• Great for large enterprises with complex payment needs.

Pricing:

• Domestic transactions: around 2% per transaction.
• Annual maintenance fee may apply for some plans.

Best For:
Established businesses and enterprises with high transaction volumes.

💡 Comparison Table

🧭 Conclusion

India’s payment ecosystem continues to evolve with innovations in UPI, AI-based fraud detection, and instant settlements. For 2025, Razorpay leads the domestic market, followed by PhonePe and Cashfree for their ease of integration and fast transactions.

When choosing a gateway, consider:

• Your business type and scale
• Average transaction volume
• Customer payment preferences
• Integration and settlement speed

By selecting the right payment partner, you can boost conversions, reduce payment failures, and build trust with your customers.

💡 Need help integrating a payment gateway on your website? Contact us today for seamless setup and expert support.