As online shopping and payments become more popular, merchants all over the world are working to make the entire online purchasing experience more flexible, convenient, and safe, from marketing and displaying to payments. Payment gateway integration has been critical in keeping online transactions secure and keeping customers pleased for merchants.

A payment gateway is an eCommerce solution that allows you to accept and process credit card and debit card payments on your website. It's critical to realize that the security of your ecommerce payment gateways protects you from hacking assaults by encrypting your data. With all of this in mind, it's understandable if you're wondering: how to select a payment gateway that will minimize risk and ensure maximum security?

Let’s take a look at the top 5 Best Payment gateways in India for 2022.

Razorpay:
Razorpay, a unicorn business in India, is one of the country's most popular and finest payment gateway firms, founded by Harshil Mathur in 2014.
Razorpay is known for its ease of use and quick activation. A dashboard that displays real-time purchasing data. It's quite easy to use. Small, medium, and big enterprises, as well as freelancers and self-employed people, choose Razorpay. It allows you to pay using credit card, debit card, net banking, UPI, and popular wallets such as JioMoney, Mobikwik, PayUmoney, Airtel Money, FreeCharge, Ola Money, and PayZapp.

Key Features:
International Payment Support
Chat Support and IVR is available 24/7
API Driven
100+ payment modes
Real-time data may be seen on a dashboard

Top brands that use Razorpay:
Unacademy, UrbanClap, Facebook, Swiggy, Curefit, Disney-Hotstar, 1mg, Zoomcar, Groffers, BookMyShow

Service charges are:
Annual maintenance Charge: Zero
Transaction Fee per Transaction: 2% per domestic transaction; 3% for International transaction, GST applicable of 18% on the transaction fee.

CC Avenue:
CCAvenue is one of India's largest and most established payment gateways, with a diverse range of payment alternatives. It accepts 200+ payment methods, including Amex, JCB, Diners Club, Mastercard, Visa, and eZeClick credit cards. It also accepts 27 major currencies, allowing you to service consumers in some of the world's most important marketplaces outside of India. In addition, CCAvenue offers a Multilingual payment page in 18 Indian and foreign languages. It enables the integration of websites and apps. The transaction page is mobile-friendly, and the checkout process is quick and simple.

Key Features:
International Payment Support
Multi-Currency Support
Invoice generation
Fraud detection system
Support is available 24x7

Top brands that use CCAvenue:
Air Asia, Lakme India, Myntra, Godaddy, Cleartrip, Starbucks

Service charges are:
Annual maintenance Charge for a Startup account: Rs 1200
Transaction Fee per Transaction: 2% per domestic transaction, 3% for International transaction, GST extra as applicable from time to time

Paypal:
PayPal is a worldwide payment platform that is available in over 200 countries. You must have PayPal connected into your eCommerce Store if you expect orders from overseas customers. PayPal supports over 100 currencies, with 57 currencies having fund withdrawal capabilities and 26 currencies having balances in their PayPal accounts. It processes around 8 million payments every day. Paypal offers online security, fraud prevention, PCI compliance, phishing protection, and live customer service, as well as the ability to invoice and monitor purchases.

Key Features:
Electronic invoicing integration with website
Service for preventing fraud
Multiple currency 
Customer service is available 24x7
Card data for recurring payments can be kept
Mobile payments are possible

Top brands that use Paypal:
Udemy, MakeMyTrip, ALT Balaji, Gaana

Service charges are:
Annual maintenance Charge: Zero
Transaction Fee per Transaction: 2% per domestic transaction, 3% for International transaction, GST extra as applicable from time to time

Cash Free:
Cashfree provides a feature-rich dashboard for creating orders and collecting payments, as well as the broadest selection of connectors – for both websites and mobile apps. Cashfree is a major API banking platform in India that enables quick refunds. It analyses your website or application's designation and provides iframe, pop-up, and smart analytics.

Key Features:
Creating invoices
Checking for fraud
Configuration is simple
Transaction fees are low
High-level security
Facility for recurring billing
Integration of a website
Payments are automatically collected
Refunds are given right away

Top brands that use CashFree:
BigBasket, Dunzo, Xiaomi, HDFC ERGO, Puma, Oriental insurance, Zomato, Cred, Dunzo, MedLife, Delhivery, Zoomcar, Nykaa

Service charges are:
Transaction Fee per Transaction: 1.90% per domestic transaction, 2.95% to 3.5% for International transaction, GST extra as applicable from time to time

PayU:
PayU (PayU Money) is a popular payment gateway for accepting online payments with little to no development effort, a simple sign-up process, and a rapid onboarding process. Businesses may accept payments from all over the world because it accepts over 100 different currencies.
When you contact PayU India, you will be presented with four pricing options. Multi-Currency Gateway, IVR Payment, Risk Management System, Store Card functionality, Payment Analytics, and Mobile optimized payment page are all included in each package.
PayU also allows customers to customize their checkout page, which is a terrific option.

Key Features:
Creating invoices
Integration of the website with mobile devices
Recurring billing facility
Processing of several currencies
Account manager who is dedicated to you
Payments made internationally
More than a hundred different currencies

Top brands that use PayU:
Snapdeal, Jabong

Service charges are:
Annual maintenance Charge: Zero
Transaction Fee per Transaction: 2% per domestic transaction, 3% for International transaction, GST extra as applicable from time to time

That concludes our comprehensive review of top India's online payment services. So, which one from our list should you pick? We recommend choosing one that is in line with your company's goals and objectives.
Depending on your business field, region, and size, you can choose a payment gateway for your e-commerce platform. Before making a final pick, you should consider price structures, customer support, and unique features.