How Payment Gateways Work (Merchant Flow)
For Indian SMEs, two lead:
| Gateway | Strengths | Typical rates (domestic) |
|---|---|---|
| Razorpay | Onboarding speed, UPI coverage, plugin quality | ~2% + GST |
| Cashfree | Fast onboarding, settlement flexibility | Commonly ~1.8–2% |
| PayU | Larger merchants, specific verticals | ~2% + GST |
| Paytm, CCAvenue and others | Bank ties and legacy reach | Varies |
International cards run ~3–3.5% plus GST, and rates are negotiable once monthly volume crosses roughly ₹5–10 lakh. A new UPI MDR regime effective October 2026 applies 0.4% on eligible P2M UPI transactions above ₹2,000 (capped at ₹300) — confirm current numbers on each provider's pricing page.
*Pricing verified 27 October 2026 from provider websites; recheck before deciding.*
Top Payment Gateways in India (Ranked)
Create the payment gateway in test mode first, paste the test keys, place a ₹1 order, and confirm the webhook marks the order paid. Switch to live keys only after that order is visible in both the store and the gateway dashboard. Settlement stays in INR, and the GST invoice for hosting is separate from the gateway's own charges.
Fees and Settlement Comparison Table
TTL is how long a resolver may cache a DNS answer. After an edit, people who cached the old record keep it until that timer ends, so the change can look instant for you and old everywhere else. Drop the TTL a day before a migration, make the change, and raise the TTL once you have confirmed the new target.
UPI, Cards, Netbanking: What Customers Expect
On CCAvenue, the honest summary is that defaults matter more than brand names — a well-set budget plan outranks a mis-tuned premium one. WebJi® documents its defaults openly and adjusts them per ticket when workloads need it.
WooCommerce Integration Walkthrough
How this plays out with PayU: settings that look cosmetic usually decide page speed and uptime under real traffic. The defaults WebJi® ships are tuned for Indian network conditions, and support can review your setup on request.
Onboarding: Documents and KYC Timeline
How this plays out with UPI payments: settings that look cosmetic usually decide page speed and uptime under real traffic. The defaults WebJi® ships are tuned for Indian network conditions, and support can review your setup on request.
Security: PCI-DSS Basics
Security: PCI-DSS Basics. Do the change this heading names on one site first, then check it in a private browser window or in the mail client, depending on the topic. Change one setting at a time, and undo it if the result is wrong before you try the next. If you want the Jaipur desk to look with you, email support@webji.services — that mailbox is staffed 24/7 in Hindi and English. Phone +91 141 4941811 is business hours only.
Frequently Asked Questions
Which is the best payment gateway in India?
For Payment Gateways for Indian Ecommerce Sites, judge a provider on three things: where the server sits for your visitors, whether the bill is INR with GST, and whether a person reads email at night. WebJi® has done this since 2005, serves 12,000+ clients online across India and overseas, and publishes a 99.9% uptime target. Ask for an INR quote if this page has no plan table. Email is support@webji.services, 24/7, Hindi and English.
What are payment gateway charges in India?
Payment Gateways for Indian Ecommerce Sites is quoted per requirement on this page, in INR, with 18% GST on the invoice. Email support@webji.services or open a ticket at https://billing.webji.in/submitticket.php?step=2&deptid=10 and the desk sends the figure before you pay. There is no dollar price converted at checkout, and a design or SEO quote is a project price — it is not a hosting renewal.
Which gateway has the lowest MDR?
Payment Gateways for Indian Ecommerce Sites. Email support@webji.services is 24/7 in Hindi and English, average first reply under 60 minutes. Phone +91 141 4941811 is business hours. If the question is about your own account, open a ticket at https://billing.webji.in/submitticket.php?step=2&deptid=10.
How long does settlement take?
On shared plans it is pre-configured; on custom-quoted tiers you choose the values, and our Jaipur desk sizes them against your actual traffic before you commit.
Can I add Razorpay to WooCommerce?
It depends on the plan you order. Payment Gateways for Indian Ecommerce Sites is billed in INR with 18% GST. Email support@webji.services with this question before you pay — the desk is 24/7 in Hindi and English, and the average first reply is under 60 minutes. Phone +91 141 4941811 is business hours only.
Is UPI free for merchants?
Yes. You can pay by UPI, card, net banking or NEFT. The charge and the invoice are in INR, with 18% GST shown separately. If money leaves your account and the service does not activate, send the UTR or payment reference to support@webji.services instead of paying a second time.
Is WebJi® an Indian company?
Yes. WebJi® is headquartered in Jaipur, Rajasthan and has operated since 2005. Billing, support and governance all run from India.
Do you provide GST invoices?
Every purchase and renewal gets a GST invoice with our GSTIN, and hosting prices are quoted exclusive of 18% GST. Claim input credit as applicable.