Hey there, fellow entrepreneurs and D2C enthusiasts! If you’re searching for the list of payment gateways in India along with payment gateway charges in India, you’ve come to the right place. As Dtroffle gear up for an exciting 2025 in the Indian e-commerce space, one question keeps popping up: Which payment gateway should I pick for my business? Whether you’re just starting out or looking to switch, understanding the options and the costs involved is crucial. After all, the right payment gateway doesn’t just process transactions-it can smoothen customer experience, boost conversions, and even save you some hard-earned money.

So today, let’s dive into the comprehensive list of payment gateways in India that are tailor-made for D2C brands, along with a clear look at the payment gateway charges in India you should expect in 2025. Ready? Let’s unravel this payment puzzle together with a sprinkle of insight and a dash of practical wisdom.

Payment Gateways in India: What’s on the Table for 2025?

India’s e-commerce scene is full of choices from big players to new startups all focused on giving you easy, fast, and secure payment options. Here’s a simple list of popular payment gateways that D2C brands in India trust.

Razorpay: The darling of startups, Razorpay is known for its developer-friendly APIs and support for multiple payment modes, including UPI, cards, wallets, and net banking.

Paytm Payment Gateway: Riding on Paytm’s massive wallet user base, this gateway integrates smoothly for businesses targeting a wide audience.

CCAvenue: One of India’s oldest players, CCAvenue offers extensive customization and a variety of currency options, ideal for brands with cross-border ambitions.

PayU: A strong contender focusing on simplified onboarding and cashless payments, with features tailored for SMBs and large enterprises alike.

Instamojo: Perfect for smaller D2C brands and creators, Instamojo doubles up as a marketplace and payment gateway.

Cashfree: Known for quick settlements and attractive merchant-friendly features.

Beyond these, options like Amazon Pay, Juspay, and PayPal are also worth exploring depending on your audience and business model. And if you’re on Shopify in India? Shopify Payment Gateway India integration might be your plug-and-play solution-more on that later.

Breaking Down Payment Gateway Charges in India

Here’s where many brands get a bit tangled. What exactly are the payment gateway charges in India, and how do they stack up? When comparing the list of payment gateways in India payment gateway charges in India, typically charges are divided into:

Transaction Fees: Usually a percentage of the transaction value plus a fixed fee. This can range anywhere from 1.5% to 3% per transaction depending on the gateway and payment mode.

Setup Fees: Not all gateways charge this, but some may for initial onboarding or integration.

Annual Maintenance Charges: Less common but something to watch for in contracts.

Refund Charges: Some gateways levy fees when processing refunds, so factor this in if your product requires returns.

For instance, Razorpay often charges about 2% on most cards and UPI transactions, whereas Paytm might offer competitive rates if your monthly volume crosses a certain threshold. CCAvenue’s pricing is somewhat more customized, considering your business scale and transaction sizes.

The kicker? Some gateways offer special rates for D2C brands or startups-meaning it pays off to negotiate or at least inquire about discounts based on your projected transaction volume.

Which Payment Gateway Is Best in India for Your D2C Brand?

Truth be told, there’s no one-size-fits-all answer when reviewing the list of payment gateways in India payment gateway charges in India. The best online payment gateway in India depends heavily on your business needs:

• Are you looking for the widest reach, including mobile wallets and UPI? Razorpay or PayU could be your buddies.
• Do you need easy Shopify integration with minimal fuss? Consider Shopify Payment Gateway India paired with or apart from other players.
• Is your business volume small but growing? Instamojo’s simplicity and pricing are attractive.
• Cross-border sales a priority? CCAvenue and PayPal remain trusted choices.

Pro tip: Don’t overlook the importance of developer support, dashboard usability, settlement timelines, and customer support quality-these features often make the difference when things get busy during high-traffic sales events.

Comparing Payment Gateway Charges in India 2025

Understanding the payment gateway charges in India across different providers helps you make an informed decision. Here’s what to consider when evaluating the list of payment gateways in India:

• Volume-based pricing: Many gateways offer better rates for higher transaction volumes
• Payment method variations: UPI transactions often have lower fees than credit cards
• International transaction fees: Cross-border payments typically cost more
• Hidden costs: Always check for setup, maintenance, and refund processing fees

For detailed pricing comparisons and to explore more payment solutions, check out resources on payment gateway solutions for Indian businesses.

Wrapping Up: Your Guide to List of Payment Gateways in India Payment Gateway Charges in India

As a D2C Brands digital marketing agency, we understand-choosing the right payment gateway in India for your D2C brand in 2025 is as much about understanding numbers as it is about aligning with your unique business rhythm. Keep a sharp eye on the evolving list of payment gateways in India, their charges, and how they integrate into your tech stack and customer journey. A smart choice today can save you hassle and costs tomorrow.

By understanding both the list of payment gateways in India and the associated payment gateway charges in India, you’re now equipped to make a decision that will benefit your business for years to come.

Next week, we’ll explore emerging trends in cashless payments and how upcoming regulatory changes might impact your online transactions-stay tuned!

Thanks for joining me in this deep dive. Until next time, keep innovating and inviting those payments with open arms!