Guides / Websites
Choosing a payment gateway for your website in India (and for international customers)
By OmegaAPI · 14 November 2026 · 6 min read
Your payment gateway decides which customers can pay you, how quickly the money reaches your bank and how much each sale costs. Popular options in India include Razorpay, PayU, Cashfree, PhonePe and CCAvenue, while Stripe and PayPal are common for international payments. Instead of chasing the lowest headline rate, compare them on the points below.
What to compare
- Payment methods: UPI, cards, net banking, wallets, EMI and pay-later.
- International cards and currencies, if you sell abroad.
- Transaction fees for each method, and any setup or annual fees.
- Settlement time — how many days until money reaches your bank.
- Onboarding: documents required for your business type, and approval time.
- Subscriptions and recurring payments, if you sell plans.
- Refunds, disputes and chargeback handling.
- Quality of developer documentation and test mode.
- Dashboard, reports and support response time.
Documents you will usually need
- Business PAN and proof of business (registration, GST certificate or shop licence).
- Bank account in the business’s name.
- A live website with product/service details, pricing, contact, privacy, terms, refund and shipping policies.
- KYC of the owner or directors.
Why your website matters for approval
Gateways review your website before activating your account. Missing policy pages, unclear pricing or “coming soon” pages are common reasons for delays. Make sure the website clearly shows what you sell and how refunds work.
Integration tips
- Always confirm payments on your server (via webhook or verification API), never only in the browser.
- Store the gateway’s payment ID with every order.
- Test success, failure, cancellation and refund flows in test mode before going live.
- Keep API keys on the server, never in website or app code.
Using more than one gateway
Some businesses use one gateway for Indian customers and Stripe or PayPal for international ones, or keep a backup gateway in case of downtime. Your website can show the right option based on the customer’s country.
Frequently asked
Can I accept payments without a registered company?
Many gateways onboard individuals and sole proprietors with PAN and a bank account, but requirements vary. Check each gateway’s current onboarding rules.
Are gateway fees the same for every payment method?
Usually not. Fees often differ for UPI, domestic cards, international cards and EMI. Compare the methods your customers actually use.
Planning a project?
Tell us what you need and get a written quote with features, timeline and milestones — free.
Get a free quote