May 24 2025
Bill Desk Payment Gateway-Food Delivery Apps Using India Payment Gateway

Food Delivery Apps Using India Payment Gateway

Several food delivery apps in India use local payment gateways to facilitate seamless transactions for customers. Here are some popular food delivery platforms and the payment gateways they commonly integrate with:

1. Swiggy

  • Primary Payment Gateways:
    • Razorpay
    • PayU
    • Paytm Payment Gateway
  • Supported Methods: UPI, Credit/Debit Cards, Net Banking, Wallets (Paytm, Amazon Pay), EMI.

2. Zomato

  • Primary Payment Gateways:
    • Razorpay
    • PayU
    • Stripe (for international cards)
  • Supported Methods: UPI (Google Pay, PhonePe), Cards, Net Banking, Zomato Wallet.

3. Dunzo (Food & Grocery Delivery)

– Uses:
* Razorpay
* PayU
* Cash on Delivery

4. Blinkit (Quick Commerce/Grocery + Food)

– Uses:
* Razorpay
* PhonePe Gateway

5. EatSure/FreshMenu

– Integrates with:     

   * Razorpay     

   * BillDesk

Common Indian Payment Gateways Used by Food Apps:

  1. Razorpay – Most widely used due to easy API integration.
  2. PayU – Popular for card and UPI payments.
  3. Paytm Payment Gateway – Supports wallet-based transactions.
  4. PhonePe Payment Gateway – Gaining traction post-UPI boom.
  5. BillDesk– Used by older platforms for net banking.

Key Trends:

✅ Most apps support multiple payment options like UPI (PhonePe, Google Pay), wallets (Paytm, Mobikwik).
✅ Many also allow cash-on-delivery (COD) despite digital push due to customer preference in India.

Would you like details on a specific app’s integration?

Certainly! Let’s dive deeper into the payment gateway integrations used by Indian food delivery apps, including technical trends, challenges, and emerging alternatives.

6. Thrive (Cloud Kitchens & Delivery)

  • Primary Gateways:
    • Razorpay (for instant refunds)
    • AirPay (for smaller merchants)
  • Unique Feature: Supports "Tokenization" for recurring subscriptions.

7. Foodpanda India (Now acquired by ONDC in some cities)

  • Uses:
    • PayU (legacy integration)
    • Stripe + NODAL escrow accounts for ONDC-led transactions.

Technical Insights: How Food Apps Choose Payment Gateways?

1️⃣ UPI-First Approach: Apps like Swiggy/Zomato prioritize UPI via:

  • Native UPI intent (tez://upi/pay) for Google Pay/PhonePe deep linking.
    – Direct partnerships with NPCI for UPI Autopay (recurring orders).

2️⃣ Failover Mechanisms: If Razorpay fails, apps silently switch to PayU/Paytm PG to reduce checkout abandonment.

3️⃣ COD Fraud Prevention: Dunzo/Blinkit use:
– Aadhaar-based OTP verification for high-value COD orders (via Digio/MSwipe APIs).

4️⃣ Subscription Billing: Platforms like EatSure use:
– Mandate-based auto-debit via eNACH (Razorpay/Nach enabled gateways).

Emerging Alternatives in 2024-25:

🚀 Juspay HyperSDK – Unified wrapper integrating 10+ gateways to optimize success rates (used by Zepto now testing with food apps).
🚀 ONDC Network – Government-backed protocol pushing decentralized payments via buyer/seller platforms (no single gateway dependency).
🚀 Bharat BillPay – For bundled food+utility payments (Pine Labs exploring this with Domino’s tie-ups).

Challenges Faced:

⚠️ High MDR Costs on Wallets (~2% vs UPI’s ~0%) forces apps to nudge users toward UPI/Cards.
⚠️ RBI’s Tokenization Rules require extra SDK integration effort for card saves (PCI-DSS compliance headaches).

Would you like a breakdown of how these gateways handle refund timelines or chargeback disputes? Or specifics on RBI regulations impacting these integrations?

deekpay 0 Comments