May 10 2025
Cheap Payment Gateway India-Accepting UPI, Credit Cards & Wallets with One Gateway

Accepting UPI, Credit Cards & Wallets with One Gateway

Accepting UPI, Credit Cards & Wallets with a Single Payment Gateway in India

To accept multiple payment methods including UPI, credit cards, and digital wallets through one integrated gateway in India, here are your best options:

Top Unified Payment Gateways

  1. Razorpay

    • Supports UPI (all major apps), credit/debit cards, net banking
    • Wallet integrations: Paytm, Mobikwik, Amazon Pay
    • Features: Smart routing, subscription payments

  2. PayU

    • Comprehensive solution for all payment types
    • Special strength in wallet integrations (PhonePe included)
    • Offers EMI options alongside regular payments

  3. CCAvenue

    • One of the oldest players with wide acceptance
    • Supports 200+ payment options including international cards
    • Good for high-risk businesses

  4. Cashfree Payments

    • Strong UPI integration with instant refunds capability
    • Growing popularity among Indian SaaS platforms

  5. Paytm Payment Gateway
    Native support for Paytm Wallet plus other methods

Key Considerations When Choosing:

  • Transaction Fees: Typically 1.8-2% per transaction (varies by volume)
  • UPI Specifics: Check if they support collect vs intent flow
  • Settlement Time: Usually T+2 days for most providers
  • Compatibility: Ensure SDK/API works with your platform (Web/iOS/Android)

Most modern gateways provide a unified API that lets you accept all these payment methods while receiving consolidated settlements.

Would you like me to elaborate on any specific aspect like integration process or pricing comparisons?

Here’s a deeper dive into implementing a unified payment gateway for UPI, credit cards, and wallets in India:

Implementation Guide

1. Integration Options

Most gateways offer multiple ways to integrate:

  • APIs (for custom checkout flows)
  • Pre-built UI SDKs (drop-in solutions for faster integration)
  • Payment Links (no-code option for invoices/one-time payments)
  • Plugins (for platforms like WooCommerce, Shopify, Magento)

Example: Razorpay’s "Smart Collect" combines UPI/VPA, cards, and wallets via a single API call.

2. Key Technical Requirements

  • Merchant KYC documents (PAN, GST if applicable)
  • Bank account details for settlements
  • Website/app with SSL certificate (HTTPS mandatory)
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