Payment gateways are service providers that help to securely process debit cards, credit cards, digital wallets, and direct payments for both online and offline transactions.
We have listed the top 20 best payment gateways in 2025 that provide seamless online transactions.
Top 10 Online Payment Solutions for Seamless Online Transactions
- Paytm
- Razorpay
- Cashfree
- PayU India
- CCAvenue
- PhonePe
- Google Pay
- Instamojo
- MobiKwik
- Stripe India
- PayPal India
- Zaakpay
- PayKun
- PayGlocal
- HDFC SmartGateway
- Cred
- BillDesk
- Atom Technologies
- ICICI Payseal
- Airtel Payments Bank Gateway
Paytm
Paytm is one of the popular online payment solutions, which is used by 300+ million users. It was founded in 2010 by Vijay Shekhar Sharma. It accepts payment methods like debit and credit cards, net banking, UPI, wallets, Paytm, postpaid, no-cost EMI, etc.
Razorpay
Another popular payment gateway on our list of the best payment gateways in 2025 is Razorpay. It was founded in 2014 by Harshil Mathur and Shashank Kumar. It has an AI-powered fraud detection system, smart payment routing, custom checkout support, etc. It also provides payment options like UPI cards, wallets, net banking, subscription-based payout, etc.
Cashfree
Cashfree provides seamless online transactions with a faster settlement cycle between 24 and 48 hours. It was founded in 2015 by Akash Sinha and Reeju Datta. It supports UPI, credit cards, debit cards, net banking, and international payments.
PayU India
PayU India, founded by Nitin Gupta in 2011, supports UPI, credit cards, debit cards, net banking, QR wallets, payment methods, and many more. It has risk management features with powerful analytic support. It also provides seamless support for cross-border payments.
CCAvenue
CCAvenue, founded by Vishwas Patel in 2001, is one of the top payment gateways in 2025. It provides seamless online transactions and supports net banking, EMI, UPI wallet, and international card payment modes. It has an advanced fraud detection system. It is also one of the secure payment gateway providers available in India.
PhonePe
PhonePe, founded in 2015 by Sameer Nigam, Rahul Chari, and Burzin Engineer, is one of the most used online payment solutions in India. It provides bill payments, UPI payments, credit cards, debit cards, bill payments, etc.
Google Pay
Google Pay was founded by Google in 2017. It provides instant bank transfer features, UPI payments, bill payment, and rewards. It has no transaction fees and is one of the most used online and offline merchant payment platforms.
Instamojo
Instamojo was founded by Sampad Swain, Akash Gehani, Aditya Sengupta, and Harshad Sharma in 2012. It supports easy payment links, UPI payments, card payments, wallet transactions, and net banking options. It also has digital store setup features with invoicing and instant settlement features. It is good for SMEs due to its low fees and simple onboarding process.
MobiKwik
MobiKwik, founded by Bipin Preet Singh and Upasana Taku in 2009, is known for its wallet feature. It also supports UPI credit payments, debit payments, pay later features, et cetera. It is known for its easy bill-splitting options and rapid checkout. It provides various cash rewards and cashback.
Stripe India
Stripe India, founded by Patrick and Jason Colson and launched in 2017, supports all the major payment methods like UPI cards, net banking, et cetera. It allows global payments and has the advanced fraud detection feature. It is one of the secure payment gateway providers for international transactions.
PayPal India
PayPal was launched in 2007 in India. It was founded by Max Levchin, Peter Thiel, and Luke Nosek, and it is one of the top payment gateways in 2025. IIt supports multiple currencies and is a global merchant network supporter. It is a trusted international payment gateway, especially suited for people who are freelancing.
Zaakpay
Zaakpay, founded in 2011 by Upasana Taku, supports card payments, net banking wallet features, UPI transactions, etc. It is known for its competitive pricing and is one of the top payment gateways for businesses.
PayKun
PayKun was founded in 2018 by Nirav Solanki, Jigar Shah, Ankit Jain, Rakesh Rajput, and Bhavik Shah. It supports UPI transactions, debit and credit card transactions, net banking, wallet transactions, et cetera. It is especially ideal for start-ups.
PayGlocal
PayGlocal is one of the best payment gateways in 2025 that provides online payment solutions. It was founded by Prashanth Ranganathan and Ankit Ratan. It features both international and local cards as well as cross-border payments. It provides real-time currency conversion features and has enabled fraud detection tools.
HDFC SmartGateway
HDFC SmartGateway supports more than 150 payment methods with QR-based payments. It has robust security and is one of the most reliable top payment gateways for businesses.
Cred
Cred, founded in 2018 by Kunal Shah, provides various payment methods like UPI payments, bank transfers, card payments, etc. It is a platform for credit card, utilities, and other bill payments. It provides AI-driven rewards and an upscale user experience.
BillDesk
BillDesk, founded in 2000 by M.N. Srinivasu, Ajay Kaushal, and Karthik Ganapathy, provides bill and payment features, recurring payment options, and multi-channel integration. It is also used by the government and large enterprises in India. It is one of the most trusted best payment gateways in 2025.
Atom Technologies
Atom Technologies by Dewang Neralla was founded in 2006. It supports UPI payment card payments, EMI options, net banking, etc.
ICICI Payseal
ICICI Payseal supports card payments, net banking options, UPI payment support, EMI options, and wallet payments. It provides real-time settlement options and has one of the strongest security. It is known as one of the most secure payment gateway providers available in India.
Airtel Payments Bank Gateway
The final payment gateway on our list of the best payment gateways in 2025 is Airtel Payments Bank, founded in 2017. It supports UPI payment, wallet payment, card payment, net banking, etc. It has a mobile-first approach and provides special offers for the Airtel users.
FAQs
1. Do payment gateways feature international transactions?
Yes, payment gateways do support international transactions.
2. Which payment gateways have the lowest transaction fees?
PayPal, Razorpay, and PayU have some of the lowest transaction fees.
3. Which are the top secure payment gateway providers?
Some of the top secure payment gateway providers are PayPal, Razorpay, Google Pay, PayU, Amazon Pay, PhonePe, Cashfree, Instamojo, CCAvenue, etc.
4. Are the top payment gateways for businesses secure?
Yes, the top payment gateways for businesses are secure because they are all PCI DSS compliant and have SSN encryption and built-in fraud detection tools.
