Dec 18 2025
Online Payment Gateway-Best SDKs for Mobile Integration in Indian Payment Gateways

Best SDKs for Mobile Integration in Indian Payment Gateways

When integrating Indian payment gateways into mobile applications, selecting the right SDK (Software Development Kit) is crucial for a seamless user experience. Here are some of the best mobile SDKs offered by popular Indian payment gateways:

1. Razorpay

  • SDK Features:
    • Supports Android, iOS, and Flutter.
    • One-click checkout with saved cards.
    • UPI AutoPay & Mandate support.
    • Customizable UI components.
  • Docs: Razorpay Mobile Docs

2. PayU India

  • SDK Features:
    • Android & iOS SDKs available.
    • Supports UPI, wallets, net banking, and EMI options.
    • Seamless OTP auto-read for faster payments.
  • Docs: PayU Mobile Integration

3. Cashfree Payments

  • SDK Features:
    – Native Android & iOS SDKs with React Native support.
    – Tokenization for recurring payments.
    – Optimized for high success rates in UPI/NB/ Cards.
    – Cashfree Mobile SDK Docs

4. PhonePe Payment Gateway (Formerly BharatPe)

– Best suited for merchants using PhonePe’s ecosystem.
– Supports all major payment modes including UPI intent flow.

5. Juspay (HyperCheckout)

  • Provides a unified checkout experience across multiple payment methods (UPI/Cards/Wallets).
  • Offers pre-built UI components to reduce integration time.

Other Notable Options:

🔥 Key Considerations When Choosing an SDK:

✔️ Check if it supports your tech stack (Flutter / React Native / Kotlin / Swift)
✔️ Look for features like auto-retry on failed transactions and fraud detection
✔️ Ensure compliance with RBI’s tokenization norms

Would you like recommendations based on specific use cases like subscriptions or marketplace payouts?

Certainly! If you’re looking for specific recommendations based on your use case, here’s a breakdown of the best Indian payment gateway SDKs for different scenarios:

1. Best for Subscription & Recurring Payments

If your app involves SaaS, memberships, or auto-debit payments:
✅ Razorpay Subscriptions SDK – Supports UPI AutoPay, card mandates, and NACH (e-mandates).
✅ Cashfree Tokenization SDK – Securely stores cards/UPI IDs for repeat transactions.

🔹 Why? Both support RBI-compliant recurring billing with high success rates.

2. Best for Marketplaces (Split Payments / Escrow)

If you need multi-party settlements (e.g., e-commerce platforms):
✅ PayU Marketplace SDK – Built-in escrow and split payments logic.
✅ Razorpay Route API + Mobile SDK – Real-time transfers to vendors with fee handling.

🔹 Why? These handle complex payout workflows while complying with Indian tax rules (TDS/GST).

3. Best for UPI-First Apps (Lowest Failure Rates)

For apps where UPI dominates transactions:
✅ PhonePe Payment Gateway (UPI Intent Flow) – Directly opens PhonePe/other UPI apps via deep links.
✅ Juspay HyperSDK (Smart Retry Logic) – Automatically switches between QR/Native UPI if one fails.

🔹 Why? Reduces drop-offs by optimizing the UPI payment journey.

4. Best for Cross-Border Payments

If you accept international cards or need forex payouts:

  • ✅ Razorpay Forex Add-On (+ their standard mobile SDK)
  • ✅ PayU Global Collect (supports INR settlements from foreign cards)

⚠️ Note: Requires additional RBI compliance documentation.

🛠️ Tech Stack-Specific Recommendations:

Platform Top Choice Alternative
Flutter Razorpay Flutter Plugin Cashfree React Native Wrapper
React Native Juspay HyperCheckout PayU RN Module
Android Kotlin PhonePe Intent Flow BharatPe PG SDK

💡 Pro Tips:

1️⃣ Always test in sandbox mode first—failure handling varies across gateways (e.g., expired UPI links vs OTP timeouts).
2️⃣ For gaming/apparel niches, prioritize gateways supporting EMI options (PayU/Cashfree lead here).

Need help narrowing down based on transaction volume or industry-specific needs? Let me know!

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