Best for: Online businesses and startups wanting a developer-friendly gateway
✓ Wide payment method support
✓ Payment links without a website
Updated October 2026 · 6 products
Best Payment Gateways for small businesses
A payment gateway lets your customers pay you online by UPI, card, netbanking or wallet. This page compares gateways — ToolPilot itself never collects payments.
Most Indian gateways now offer similar core features, so the real differences are in onboarding speed for your business category, settlement timelines, fee structure for your mix of payment methods, and extras like payment links, subscriptions or payouts. If you do not have a website yet, payment links and payment pages let you start collecting immediately.
Before choosing, ask for the full fee schedule including GST on fees, check how refunds and chargebacks are handled, and read the KYC requirements. Fees change, so we do not list them — always check the provider's current pricing page.
Some links on this site are affiliate links. If you buy through them we may earn a commission at no extra cost to you. Our rankings are not for sale; sponsored placements are always labelled.
Quick comparison
| Software | Best for | Free plan | Origin | |
|---|---|---|---|---|
| Online businesses and startups wanting a developer-friendly gateway | Verify | IN | Visit | |
| Businesses that need both collections and payouts | Verify | IN | Visit | |
| E-commerce and education businesses with mixed payment methods | Verify | NL | Visit | |
| Micro businesses and creators selling without a full website | Verify | IN | Visit | |
| Businesses needing many payment options and international cards | Verify | IN | Visit | |
| Businesses whose customers mostly pay by UPI | Verify | IN | Visit |
What to look for
The shortlist
Best for: Businesses that need both collections and payouts
✓ Collections plus bulk payouts
✓ Payment links and forms
Best for: E-commerce and education businesses with mixed payment methods
✓ Many payment options including EMI
✓ Established provider
Best for: Micro businesses and creators selling without a full website
✓ Very quick to start
✓ Payment links and free store builder
Best for: Businesses needing many payment options and international cards
✓ Broad payment coverage
✓ Multi-currency processing
Best for: Businesses whose customers mostly pay by UPI
✓ Familiar UPI brand for customers
✓ UPI-focused checkout
1
Visit site
Razorpay Made for India
Best for: Online businesses and startups wanting a developer-friendly gateway
Payment gateway with UPI, cards, netbanking and wallets, plus payment links, pages, subscriptions and invoices.
Pros
- Wide payment method support
- Payment links without a website
- Good developer documentation
Cons
- Fees and settlement terms vary by business type
- KYC approval required
- Free plan
- Verify
- Pricing
- See provider
- Also in
- Payment Gateways
2
Visit site
Cashfree Payments Made for India
Best for: Businesses that need both collections and payouts
Payment gateway and payouts platform supporting UPI, cards and bank transfers.
Pros
- Collections plus bulk payouts
- Payment links and forms
Cons
- KYC and approval needed
- Compare fees for your volume
- Free plan
- Verify
- Pricing
- See provider
- Also in
- Payment Gateways
3
Visit site
PayU India Made for India
Best for: E-commerce and education businesses with mixed payment methods
Payment gateway with UPI, cards, EMI and Buy Now Pay Later options.
Pros
- Many payment options including EMI
- Established provider
Cons
- Onboarding and fees depend on business category
- Free plan
- Verify
- Pricing
- See provider
- Also in
- Payment Gateways
4
Visit site
Instamojo Made for India
Best for: Micro businesses and creators selling without a full website
Payment links and a simple online store builder for small sellers.
Pros
- Very quick to start
- Payment links and free store builder
Cons
- Fewer advanced features for scaling
- Free plan
- Verify
- Pricing
- See provider
- Also in
- Payment Gateways, E-commerce Platforms
5
Visit site
CCAvenue Made for India
Best for: Businesses needing many payment options and international cards
One of India's long-running payment gateways with broad payment method coverage.
Pros
- Broad payment coverage
- Multi-currency processing
Cons
- Dashboard feels dated
- Check fees carefully
- Free plan
- Verify
- Pricing
- See provider
- Also in
- Payment Gateways
6
Visit site
PhonePe Payment Gateway Made for India
Best for: Businesses whose customers mostly pay by UPI
Payment gateway from PhonePe with UPI-first checkout plus cards and netbanking.
Pros
- Familiar UPI brand for customers
- UPI-focused checkout
Cons
- Check availability of features for your category
- Free plan
- Verify
- Pricing
- See provider
- Also in
- Payment Gateways
Head-to-head comparisons
Razorpay vs Cashfree PaymentsRazorpay vs PayU IndiaRazorpay vs InstamojoRazorpay vs CCAvenueCashfree Payments vs PayU IndiaCashfree Payments vs InstamojoCashfree Payments vs CCAvenuePayU India vs InstamojoPayU India vs CCAvenueInstamojo vs CCAvenue
Payment Gateways by country
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