In this article · 7 sections
A payment gateway lets customers pay on your website using UPI, cards, netbanking and wallets, and settles the money to your bank account. Popular options in India include Razorpay, Cashfree, PhonePe Payment Gateway, PayU, CCAvenue and Paytm. They're broadly similar; the right one depends on your business type and needs.
What to compare
| Factor | Why it matters |
|---|---|
| Transaction fees | Usually a percentage per transaction; UPI and cards may differ; check GST on fees |
| Settlement time | How fast money reaches your bank (T+1, T+2, instant options) |
| Payment methods | UPI, cards, netbanking, wallets, EMI, international cards |
| Onboarding | Documents required, KYC speed, business categories accepted |
| Integration | Plugins for your platform, APIs, payment links, QR |
| Support | Response time when payments fail |
Documents usually required
- PAN (business or proprietor), bank account details and cancelled cheque.
- Business proof — GST certificate, Udyam registration, shop licence or similar, depending on business type.
- Address proof and KYC of owners/directors.
- A live website or app with clear business details.
Website pages gateways expect
Payment providers usually review your website before activation. Make sure it has:
- About and Contact pages with real address, phone and email.
- Products or services with prices.
- Privacy Policy, Terms & Conditions.
- Refund/Cancellation Policy and Shipping/Delivery Policy (if you ship).
Integration tips
- Always verify payment on the server (signature or status check) before marking an order paid — never trust only the browser redirect.
- Use webhooks to handle delayed confirmations.
- Show clear success and failure pages, and send confirmation on email/WhatsApp.
- Test in sandbox mode before going live.
Don't need full checkout?
Service businesses can use payment links or UPI QR codes shared on WhatsApp for advance payments — simpler and still traceable.
Frequently Asked Questions
Can I accept international payments?
Most gateways support international cards after additional approval and documentation.
Is a GST number required?
Requirements vary by gateway and business type; some accept proprietors without GST in certain categories. Check with the provider.
Why was my gateway application rejected?
Common reasons: missing policy pages, incomplete website, restricted business category, or mismatched documents.
Add payments to your website
Joboo Web integrates Razorpay and other gateways with secure verification. See web development or contact us.