Top 6 online payment gateway in India

Top 6 online payment gateway in India

In the financial year 2021, around 44 billion digital payments were recorded across India. This was an increase compared to the previous three years. Nevertheless, the total value of these transactions decreased in 2021 compared to the previous year.

In this blog, you will get an outline of the Online Payment Gateway for digital payments in India.

Top 6 online payment gateway in India

Top 6 online payment gateway in India 2021

  1. Razorpay
  2. Instamojo
  3. Paypal
  4. CCAvenue
  5. Cashfree
  6. PayTM


Razorpay is one of the top payment gateways of India. It is founded by Harshil Mathur and Shashank Kumar in December 2014.

This payment gateway allows businesses to accept, process, and disburse payments with its product suite. It gives you access to all payment modes including credit card, debit card, net banking, UPI, and popular wallets including JioMoney, Mobikwik, Airtel Money, FreeCharge, Ola Money, and PayZapp. The great player of the Indian market like Unacademy, UrbanClap, Zoomcar, Groofers, Bookmyshow has been using Razorpay payment gateway.

Razorpay is one of the most widely preferable payment gateways of India, it has end-to-end transaction security. Razorpay payment gateway provides tools that will automate your business to accept online payment with a good customer experience.

RazorPay Payment Gateway Integration using CodeIgniter

Razorpay Payment Gateway Integration using CodeIgniter 4

Features of Razorpay are as follows:

  • Instant Activation
  • Easy Integration
  • API Driven
  • 100+ payment modes
  • Simple Pricing
  • Best in Industry Support
  • Dashboard Reporting
  • Secure


Instamojo is one of the largest full-stack Small to Medium Enterprise (SME ) platforms. It is founded by Sampad, Akash, and Aditya in 2012.

Instamojo is India’s simplest online selling platform. Instamojo helps to grow small, independent businesses, MSMEs & startups with online stores and online payment solutions to help them run an eCommerce business successfully.

Instamojo is the easiest way to build your business online, where you will get functional online stores, in-built payments, built-in marketing tools, and many more. Instamojo supports 20 lakh + Indian independent businesses with online stores and online payment solutions.

Instamojo has an online setup, where you would be able to set up your store, with an easy payment gateway attached to it. Instamojo also handles your CRM, analytics, and shipping too.

You can start your online store with a free plan on Instamojo and you can upgrade your plan later.

Features of Instamojo are as follows:

  • eCommerce Mobile App
  • Instamojo App Store
  • Bank Transfer
  • Convenience Fee
  • mojoPlus rewards


Paypal is an international financial service company. It is also one of the popular online payment gateways in India 2021. Freelancers are more flexible to get paid through PayPal in India.

It is founded by Elon Musk, Peter Thiel, Luke Nosek, Max Levchin, and Yu Pan in December 1998.

You can start using PayPal not only in India but also wherever you go around the globe. PayPal connects with more than 360 million users in the entire globe. Udemy, MakeMyTrip, ALT Balaji, Gaana and so many companies are customers of PayPal. PayPal is one of the most recognized and trusted payment service providers.

Paypal is secure with 128-bit SLL encryption, zero annual maintenance fee, and zero initial setup fee. PayPal app is available both in iOS and SDK for android tools. It offers easy integration with websites and multiple payment methods. It also offers payment using QR codes. It is a secure and fast payment gateway.

Features of Paypal are as follows:

  • Reporting/Analytics
  • Data Import/Export
  • Access Controls/Permissions
  • Order Management
  • Mobile Access
  • Multiple Payment Options
  • For B2B
  • Compliance Management


CCAvenue is one of the best online payment gateway founded in 2001, which is authorized by Indian financial institutions. CCAvenue accept transactions through credit cards, debit cards, net banking, and ATM card. CCAvenue also offers a secure link between websites, institutions, and banks in the transaction.

85% of eCommerce merchants in the country are powered by CCAvenue. CCAvenue can process millions of transactions. It collects payments in 27 major foreign currencies and allows you to pay in the currency as you are comfortable with. 

It has a multilingual checkout page offered in 18 major Indian and international languages with easy customization. It has CCAvenue Checkout, card storage Vault, shopping card, cart plugins, iframe integration, responsive checkout page, marketing tools, invoice payments, smart analytics, dynamic event notification, live monitoring pro, fraud, and risk identification system and acknowledgment, fast activation and easy integration with dedicated team for customer support.

Features of Paypal are as follows:

  • Smart Dynamic Switching
  • iFrame Integration
  • Multiple Currency Support
  • Marketing Tools
  • Dynamic Event Notifications


Cashfree is one of the online payment gateways of India, where it helps people to transact money between customers and vendors. It is founded by Reeju Datta and Akash Sinha in September 2015.

It is a powerful and scalable payments platform designed for your business payment needs – collect payments, send payouts, manage international payments and do more. It is used by 1,00,000+ businesses for payout in India. Cashfree supports instant refunds and is one of India’s leading API banking platforms.

Cashfree has also offered split payment solutions and it is integrated with different well-known brands like Shopify, PayPal, Amazon, GooglePay, Ola Money. Cashfree is a leading online payment service that is used across various brands and industries like Zomato, CRED, Keto, Oriental Insurance.

Features of Cashfree are as follows:

  • Payouts for vendors
  • Cashgram
  • Auto collect
  • Subscriptions for customers
  • Bank account verification
  • Easy Split for dividing commissions


PayTM Payment Gateway enables users to accept payments from anyone, anywhere, from all channels and devices. It is the Indian payment gateway that lets businesses collect customer payments via website, handheld devices like mobile and tablets, and social apps like WhatsApp, Facebook, or via email and SMS. It is founded by Vijay Shekhar Sharma in August 2010.

PayTM is a leading online payment gateway that is used across various brands and industries like Zomato, Uber, Swiggy, Jio, Airtel, and UrbanCompany.

Payment Gateway Integration using PayTM in CodeIgniter

PayTM Payment Gateway Integration using CodeIgniter 4

Features of Cashfree are as follows:

  • Instant activation
  • Easy integration
  • 100+ payment sources


Fintech, banks, investment, transactions, and finance are all correlated and we all are connected with these things.

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