According to the recent Shopify stats, more than 60K Shopify eCommerce stores are active in India and the numbers are increasing rapidly. Shopify’s official payment gateway, “Shopify Payments,” is unavailable to Indian Shopify merchants. This leaves an option to select third-party payment providers.
For Indian Shopify sellers, it is important to find a payment gateway that accepts domestic and international payments for both online and offline stores.
In this post, I have listed the top 10 Shopify Payment Gateways in India. All of them accept almost every type of payment method, so you can offer a seamless payment experience to your customers.
Top 10 Shopify Payment Gateways For 2025
Check this table for all the top options available to integrate your Shopify store and receive payments:
| Payment Gateway | Payment Methods | Transaction Fees | Best For |
|---|---|---|---|
| Stripe | Cards, Apple Pay, Google Pay | 2% – 4.3% | International businesses |
| Razorpay | Cards, UPI, Netbanking, EMI | 2% – 3% | Indian businesses |
| PayPal | Cards, bank transfers | 4% – 4.40% | Global reach |
| Insta Mojo | Cards, UPI, Net Banking | 2% + ₹3 | Startups |
| PayU Money | Cards, UPI, eWallets | 1.15% – 3% | Domestic merchants |
| Cashfree | UPI, net banking, wallets | 1.95% – 2.95% | Quick settlements |
| Easebuzz | Cards, UPI, EMI | 0.5% – 1.1% | Small businesses |
| 2Checkout | Cards, PayPal | 3.5% – 6% | Subscription models |
| CCAvenue | Cards, net banking | 2% – 4.99% | Enterprise businesses |
| Authorize.net | Credit/debit cards | 2.9% + $0.03 | Global merchants |
Before you begin with a payment provider, note the transaction fees they incur. These transaction fees are separate from what Shopify charges.
Hence, check out the ‘third-party transaction fees” that your Shopify pricing plan charges.
Now, let’s know more about each Shopify payment gateway that is used in India on a large scale.
1. Stripe
Stripe is Shopify’s preferred third-party payment gateway in India. As the primary gateway of Shopify, all the payment goes through the Stripe processing system. Unlike other payment gateways, it features a complete infrastructure, so you won’t need any other third-party party software for analytics and reports.
Stripe stats say, 6% of the websites across the globe use it as their primary payment gateway.
Stripe automatically calculates sales tax and VAT according to the customers’ locations. The downside to Stripe is that this payment gateway for Shopify is available on an invite-only basis. You can do this by contacting Stripe’s sales team here.
Check out how to integrate Stripe from this detailed Shopify Stripe integration guide.
Key Features:
- Shopify-recommended payment gateway
- Accept payment through bank transfers, wallets, cards, and other methods
- No setup or maintenance fees
- 24/7 phone, email, and chat support
- Transparent and flat-rate pricing
Pricing: Setting up Stripe with Shopify is completely free, and there is no maintenance fee.
Stripe charges:
- 2% – for Mastercard and Visa cards issued in India
- 3% – for Mastercard and Visa cards issued outside India
- 3.5% – for American Express cards issued outside India
- 4.3% – for international cards with USD or other currency presentment
Apart from these, Stripe charges an additional 2% for any currency conversion required.
2. Razorpay
Razorpay is India’s own payment gateway that is compatible with Shopify stores. You can set Razorpay as an alternative payment method for both online and offline stores built on Shopify POS.
As of 2025, over 9% of Shopify merchants use Razorpay as their primary payment gateway. The reason is that it supports over 100+ payment methods, which includes almost all the payment modes.
Key Features:
- Simple APIs and SDKs for quick integration with websites and mobile apps
- Supports multiple currencies and international credit card
- Offers robust security measures and framework compliant with PCI DSS
- 24/7 IVR and chat support are available
- Auto-retry saved cards, and smart routing features
Pricing: There is no set-up fee or maintenance on Razorpay. The platform charges a flat 2% fee for local transactions. For international cards, they charge a 3% fee. Apart from that, GST is also applicable for businesses with a specific turnover.
3. PayPal
PayPal is a Shopify-approved payment gateway that is automatically integrated as soon as you create a Shopify store. As one of the most trusted payment processors in the world, the platform is used by more than 426 million people in the world.
If you are running a Shopify business in India, PayPal makes accepting payments from international customers a breeze. It converts 25+ currencies into Indian Rupees and deposits the amount in 2-3 business days. However, the transaction exchange rates and fees are higher than any other payment gateways.
Key Features:
- Used across 200 countries and supports 25+ currencies
- 24-hour settlement policy
- Allows customers to pay with PayPal balance, credit cards, and bank accounts
- Offers a suite of tools for invoicing, sales tracking, and payment processing
- Also available as a fully functional mobile app
Pricing: PayPal charges a 4.40% transaction fee plus a fixed fee as per the currency for every transaction. Currency converting charges are also included if you want to accept payments from international customers.
4. InstaMojo
Instamojo has emerged as a popular choice among Indian Shopify Payment Gateways, particularly for startups and small businesses. With nearly 1 million active clients in India, its popularity can be attributed to its simplicity and user-friendly interface.
By focusing on simplicity, flexibility, and affordability, Instamojo removes many of the traditional barriers to accepting online payments. This allows entrepreneurs to focus on growing their businesses rather than getting bogged down in complex payment integrations or high fees.
However, it’s important to note that as businesses grow and their needs become more complex, they may eventually outgrow some of Instamojo’s simpler features and require more advanced payment gateway solutions.
Key Features:
- Allows new businesses to rapidly register a merchant account and accept online payments, even without a website.
- Easily create and share payment links or embed payment buttons on your website or social media platforms.
- Supports over 100 payment methods, including credit cards, debit cards, net banking, UPI, and digital wallets.
- Works with major e-commerce platforms like Shopify, Magento, Prestashop, and OpenCart.
- The fee structure is designed to be affordable for small businesses and startups.
Pricing:
Instamojo follows a straightforward pricing model:
- No annual maintenance fees
- No setup costs
- Transaction fee: Flat 2% + ₹3 per transaction
This pricing structure makes Instamojo one of the most affordable payment gateway options for small businesses and startups in India.
5. PayU Money
PayU (also known as PayU Money) is a popular payment solution that caters to Indian businesses of all sizes. The platform is known for its quick setup and user-friendly interface.
PayU supports a range of payment methods, including credit/debit cards, eWallets, net banking, and many more. You will also get features like one-tap payments and instant refund options. It is great for merchants running offline stores.
Key Features:
- Supports multiple payment methods
- Offers one-tap payment for faster checkout
- Intelligent routing of transactions to ensure a higher success rate
- Provides a customizable checkout experience that can match your brand
- Follows strict standards with PCI DSS compliance and 128-bit SSL encryption
Pricing: PayU charges different transaction fees for different methods:
- 2% for domestic transactions via Visa, Mastercard, Net Banking and BNPL wallets.
- 3% for Diners, American Express, EMI, and International transactions.
- All transactions are subject to an additional 18% GST charge.
6. Cashfree Payments
Cashfree Payments is a renowned payment gateway in India that accepts payment via 180+ options. It is known for its easy integration with Shopify and fast settlement process. The feature-rich dashboard is great for accepting orders and collecting payments.
Cashfree has a payout feature that allows merchants to send money to any bank account, Paytm wallet, and UPI address. It is particularly useful for refunds and cashback promotions.
Key Features:
- Offers instant refund capabilities
- Supports over 32+ foreign currencies
- Options to send money in bulk
- Offers an auto-collect feature for customers using virtual bank accounts
- Generate and send links via email and SMS
Pricing: Cashfree Payments has no setup or processing fee except a 1.95% fee for every domestic transaction, and fees for International transactions start from 2.95%
7. Easebuzz
Easebuzz is a simple and secure payment gateway solution designed for Indian businesses. It seamlessly integrates with Shopify and supports over 100+ payment modes. It offers a smart dashboard that keeps track of all your Shopify payments in real-time.
Unlike other payment gateways, Easebuzz offers in-built survey forms on the checkout pages which helps sellers in cross-selling and customer retention. However, its worldwide reach is not that broad, so I will suggest the platform for small to medium-sized businesses.
Key Features:
- Digital KYC process for quick onboarding of merchants
- Easy-to-integrate SDKs for both web and mobile platforms
- Smart dashboard with detailed insights and analytics
- Coupon feature available for discounts and cashback
- Provides quick settlement of funds into the merchant’s bank account
Pricing: Easebuzz follows a pay-as-you-go custom model for every transaction. You will need to sign up and get your custom transaction fee.
8. 2Checkout
2Checkout (now known as Verifone) is an international payment gateway service that allows Shopify businesses to accept online payments from buyers globally. While it is not based in India, it supports transactions in multiple currencies and almost all payment methods used in India.
If you are running a subscription-based business, 2Checkout is a viable option since it offers flexible customization options and robust security features.
Key Features:
- In-built shopping cart and eCommerce features
- Supports transactions in over 200 countries and region
- Offers a customizable checkout experience
- Advanced fraud detection system
- Subscription billing system with recurring payments and customer management
Pricing: 2Checkout offers four plans for different business sizes: 2Sell (3.5% + $0.35), 2Subscribe (4.5% + $0.45), 2Monetize, and 4Enterprise with custom pricing as per business. The signup and setup process is free of cost.
9. CCAvenue
CCAvenue is one of the oldest and most widely used payment gateways in India. With multiple currency processing features, the platform delivers a localized buying experience so customers can conveniently pay in their own currency.
CCAvenue also has a multilingual checkout page which is available in 18 Indian and international languages. The iFrame integration allows merchants to accept payments within PCI DSS-certified check pages.
Key Features:
- Supports 27+ currencies and 18 languages
- Smart Dynamic Routing for smooth transactions
- Sends real-time notifications for various events that happen during checkout
- iFrame option validates fast checkouts
- 24/7 customer support
Pricing: CCAvenue charges a 2% transaction fee for Indian-based cards and wallets. International card charges are 4.99% per transaction.
10. Authorize.net
Authorize.net is a well-established payment gateway that is widely recognized for its services in the US, but it also supports international transactions.
The reason for putting it in the last position is that it doesn’t support many Indian payment modes. So it can only be used by Indian Shopify merchants who cater to a global customer base.
Key Features:
- Supports automatic billing for subscriptions and recurring charges
- A suite of fraud prevention tools
- Secure storage of customer payment information
- Buy Now button for quick and fast checkout
- Accepts electronic payments for local stores
Pricing: Authorize.net offers two plans for merchants. They can either pay $25/month or choose to pay a transaction fee of 2.9% + $0.03 per sale.
Thinking about renaming your Shopify store? We can help! Our guide on changing your Shopify store name walks you through the process step-by-step.
How Does A Payment Gateway Work On Shopify?
The payment gateway processes the payments on Shopify like any other eCommerce platform or website. Whenever a customer makes payments on your selected payment gateway, its processing system communicates with the customer’s bank.
Then, the bank verifies the details and checks if there are sufficient funds, and sends back a response to the payment processor. Once the transaction is approved, the payment gateway will facilitate the funds to your bank account.
All this happens in real-time and barely takes seconds to process. When the payment is processed, you can check the update on your Shopify dashboard. However, receiving funds in your bank depends on scheduled payouts.
How To Select A Payment Gateway For Shopify In India?
To select a payment gateway for Shopify in India, merchants should consider several key factors.
1. Payment Method Support
When choosing a payment gateway, it’s crucial to consider the range of payment options it supports. Look for gateways that offer popular Indian payment methods, such as:
- UPI (Unified Payments Interface)
- Net banking
- Credit and debit cards
- Digital wallets like Paytm, PhonePe, and Google Pay
By offering a diverse set of payment options, you can cater to different customer preferences and increase your conversion rates. Remember, the more convenient it is for customers to pay, the more likely they are to complete their purchases.
2. Fees And Pricing Structure
Understanding the cost implications of your chosen payment gateway is essential for your business’s financial health. When evaluating pricing, consider:
- Transaction fees: The percentage or fixed amount charged per transaction
- Setup costs: Any one-time fees for integrating the gateway
- Recurring charges: Monthly or annual fees for using the service
Look for transparent pricing without hidden fees. It’s also important to consider how the fee structure aligns with your business volume and average transaction values. Some gateways may offer better rates for higher volumes, which could be beneficial as your business grows.
3. Integration And Ease Of Use
The technical aspect of implementing and managing a payment gateway is crucial. Consider:
- How seamlessly the gateway integrate with Shopify
- The user-friendliness of the gateway’s interface
- The level of technical support provided during the integration
A gateway that’s easy to integrate and use can save you time and resources, allowing you to focus on other aspects of your business.
It should also provide a smooth checkout experience for your customers, reducing the likelihood of abandoned carts due to payment complications.
4. Security And Compliance
In the digital age, security is paramount. When choosing a payment gateway, prioritize:
- Strong encryption protocols
- Fraud detection and prevention measures
- Compliance with PCI DSS (Payment Card Industry Data Security Standard)
- Adherence to Indian financial regulations
A secure payment gateway will not only protect your business and customers’ sensitive information but also build trust with your clientele. This can lead to increased customer loyalty and repeat business.
5. Settlement Times And Payout Options
The speed and flexibility of receiving your funds can significantly impact your business’s cash flow. Consider:
- How quickly funds are transferred to your account after transactions
- The frequency of payouts (daily, weekly, or on-demand)
- Options for receiving funds (bank transfer, digital wallets, etc.)
Faster settlements can improve your cash flow, allowing you to reinvest in your business more quickly. Additionally, flexible payout options can help you manage your finances more effectively, aligning with your specific business needs and banking preferences.
By carefully considering these factors, you can select a payment gateway that not only meets your current needs but also supports your business as it grows and evolves in the Indian e-commerce landscape.
Conclusion: Stripe Is The #1 Best Shopify Payment Gateway Preferred In India
The Indian e-commerce landscape offers Shopify merchants many payment gateway options, but choosing the right one requires careful consideration.
The curated list I’ve provided represents payment gateways that have earned the trust of countless Indian e-commerce merchants through their reliability and performance.
Before making your final decision, it’s essential to verify that your chosen platform aligns with Indian tax regulations and GST policies. Remember, the ideal payment gateway should not only meet your current needs but also scale with your business as it grows.
By carefully evaluating these factors, you can select a payment solution that enhances your customers’ shopping experience while supporting your business objectives in the dynamic Indian e-commerce market.
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