Online payment gateway india list

This is a comprehensive list of financial institution offering payment gateway in India, however almost all of them have drawbacks of buyers getting redirect during the checkout process to payment processors site, hence they are on ground the same service that paypal provides for free, only advantage can be to Indian merchants that they are able to accept payment in Indian currency.

For merchant account establishment banks ask for high cash reserve which is refundable in case of chargeback and online frauds. When a payment processor draws the certain amount of money from buyer’s bank and deposit it to merchants banks, the same amount of money also debited from merchants cash reserve to handle any chargeback raised or frauds by customer, after few days of settlement this debited money is refunded to merchant reserve.

ICICI bank payseal
Technology dependent so only java coded sites is allowed to use this. They also don’t have support for MasterCard in payment option. One good thing about them is they are open to everyone and for 25k setup fee and 50k refundable cash reserve anyone can start accepting payment online. Another drawback is their frequent downtime.

HDFC bank
They have setup charge of 15000 Rs and annual maintenance cost of 10000, the transaction charge is around 3.5%. They need cash reserve of 3 lakhs., to handle chargeback and online frauds.

CCAvenue
This is the most popular among Indian business organization but they charge high (7%) because of lack in competition from Indian market with setup cost of 7000 Rs, I asked them about type of transaction mode, here again buyers will get redirect to CCAvenue site during checkout process and can give a armature impression for merchant site.

EBS or AXIS bank gateway
Axis bank payment gateway is marketed under this name, their pricing plans for basic starter plan is 6000 Rs setup, 2400 Rs for annual maintenance and 7% TDR

DirecPay
This is run by The times of money a subsidiary of The Times Group

IDBI
I don’t ask them neither they have mentioned anywhere in their website but some body said they have a plan called Easy2Pay again here they needed 2 lakhs of cash as deposit.

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