Your Shopify store needs a reliable payment gateway to process customer transactions. The payment gateway you choose directly affects your sales, customer satisfaction, and business growth.
In India, about 85% of all digital transactions occur through UPI. Other payment methods are also growing rapidly. In fact, there are around 1 billion debit cards in India. With a wide range of payment options from UPI to digital wallets and international cards, your gateway needs to handle multiple payment methods while keeping costs manageable.
In this guide, we cover the top 7 Shopify payment gateways in India, including their key features and pricing details, so that you can make the right choice for your business. Let’s get started!
Multiple payment options boost conversions: Offer UPI, cards, net banking, and wallets to capture more customers across different payment preferences.
Transaction fees matter for profitability: Compare platform fees carefully as they range from 1.95% to 3.5% plus GST, directly affecting your margins.
Integration speed varies significantly: Some gateways offer quick setup while others require extensive technical configuration and documentation.
PayGlocal stands out for global merchants: Collect payments in 33+ currencies and get instant compliance documents for international transactions.
A Shopify payment gateway is a service that processes online payments for your Shopify store. It connects your customer's bank account to your business account, handling payment information securely during transactions.
When a customer makes a purchase on your Shopify store, the payment gateway encrypts their payment details, sends them to the bank for authorization, and returns the transaction result. For example, when someone buys products worth ₹2,000 using their HDFC debit card, the gateway verifies the card details, checks the account balance, and completes the transfer.
In India, Shopify doesn't offer its native Shopify Payments service, making third-party payment gateways essential for Indian merchants. These gateways support local payment methods like UPI, NEFT, and various digital wallets that Indian customers prefer.
The payment gateway you choose affects your business success directly. Making the wrong choice leads to failed transactions, frustrated customers, and lost revenue.
Here's why selecting the right payment gateway matters:
Customer trust depends on familiar payment options: Indian customers prefer specific payment methods based on their region and shopping habits. Offering only credit cards misses most transactions that happen through UPI, net banking, and digital wallets.
Transaction success rates vary between gateways: Different gateways have different relationships with banks and payment networks. Poor routing might reject valid transactions, while smart gateways retry failed payments through alternate routes automatically.
Hidden costs reduce your profits: Some gateways advertise low rates but add setup fees, annual charges, or premium feature costs. Knowing about the complete fee structure helps you price products correctly and maintain healthy margins.
Integration complexity affects launch speed: Simple gateways let you start accepting payments within minutes using plugins, while complex ones require weeks of development work. Faster time-to-market often matters more than having every feature available immediately.
Compliance requirements protect your business: Payment gateways handle PCI DSS (Payment Card Industry Data Security Standard) compliance and regulatory requirements. Choosing a non-compliant gateway puts your business at compliance and financial risk.
India's payment market offers several excellent options for Shopify merchants. Each gateway brings unique strengths in terms of pricing, features, and supported payment methods.
Let’s take a detailed look at each of these best Shopify payment gateways that Indian businesses trust for their online stores:
PayGlocal focuses on global payment collection for businesses that serve customers globally. You get multi-currency accounts in major currencies plus support for 180+ countries, making it easy to collect international payments. Some of India’s well-known brands, like MakeMyTrip and PolicyBazaar, use PayGlocal to power their payment processes.
Key Features:
Multi-currency accounts: Accept payments in 33+ currencies from 180+ countries, allowing international customers to pay in their preferred currency while you receive settlements in INR.
Dynamic checkout experience: Customers see payment options relevant to their location, including local payment methods, cards, and region-specific alternatives.
Instant compliance documentation: Get FIRC (Foreign Inward Remittance Certificate) automatically after settlement, saving weeks of manual paperwork for export businesses.
Recurring payment support: Handle subscription billing for SaaS products, membership sites, and service businesses with automated payment collection and retry logic.
One platform management: Track all transactions, settlements, and compliance documents from a single dashboard instead of managing multiple provider accounts.
Pricing:
Multi-currency accounts: 0.75% platform fee for international collections.
International cards: 3.5% platform fee for global credit and debit card transactions.
Zero setup costs: No installation fees, annual charges, or hidden platform costs.
Best For: Exporters, SaaS companies, and businesses with international customers who need global payment collection with local settlement options.
Razorpay serves over 60,000 Shopify businesses with a focus on maximizing payment success rates through intelligent routing and payment method support. You get access to a strong payment infrastructure with features like Magic Checkout that auto-fills customer details and reduces cart abandonment significantly.
Key Features:
100+ payment methods: Support all major cards, UPI apps, net banking, and digital wallets in one integration, reducing the need for multiple payment provider relationships.
Magic Checkout optimization: Auto-fill customer details from saved addresses and enable biometric authentication to reduce checkout friction.
COD (Cash on Delivery) risk management: Smart Cash on Delivery options with risk scoring help reduce RTO (Return to Origin) losses by identifying high-risk orders before dispatch.
Instant settlement options: Get access to funds within hours instead of waiting for standard settlement cycles, improving cash flow for growing businesses.
Revenue optimization tools: Built-in BNPL (Buy Now Pay Later), EMI (Equated Monthly Installment) options, and cashback features help increase average order value.
Pricing:
Standard transactions: 2% platform fee for UPI, cards, and net banking.
International payments: Custom pricing available for global card acceptance.
Enterprise plans: Volume-based discounting for high-transaction businesses.
Best For: High-growth e-commerce businesses that need advanced features like smart checkout, COD management, and revenue optimization tools.
PhonePe Payment Gateway uses the trust and recognition of being one of India's leading digital payment brands. You benefit from customer familiarity since most Indians already use PhonePe for daily transactions, plus you get promotional zero fees for a limited time.
Key Features:
Trusted brand recognition: Customers feel confident using a payment method they already know from daily UPI transactions, reducing payment abandonment.
Fast Forward checkout: Reduce payment steps by pre-filling customer information and enabling single-click payments for returning customers.
Quick Checkout integration: Allow customers to complete payments without leaving your platform, maintaining the shopping experience throughout the transaction.
AutoPay subscription support: Handle recurring payments with varying amounts for flexible billing cycles, ideal for utility bills or subscription services with usage-based pricing.
Pay on Delivery options: Enable digital payments even for COD orders, reducing cash handling costs and improving payment tracking.
Pricing:
Promotional rate: Free (limited-time offer with terms and conditions), usually 1.95%.
Zero setup fees: No installation costs or annual maintenance charges.
Transparent pricing: No hidden charges or surprise fees during transactions.
Best For: Small to medium businesses looking for a trusted payment brand with promotional pricing and simple integration options.
Cashfree payment gateway offers some of the lowest charges in India while maintaining high success rates and payment method coverage. You can start accepting payments in multiple methods, including UPI, cards, net banking, and wallets, at rates starting from just 1.95% with instant settlements available.
Key Features:
180+ payment modes: Complete coverage of Indian payment preferences, including regional banking options and local wallet partnerships for maximum customer reach.
International payment support: Accept global payments and display prices in 27+ foreign currencies from launch, enabling immediate international sales.
Instant settlement capability: Access funds within 15 minutes of payment capture, even on bank holidays, improving cash flow for inventory purchases and operations.
BNPL suite integration: Offer 30+ Buy Now Pay Later options, including cardless EMI and pay-later services to increase order values for higher-ticket items.
Smart payment routing: Intelligent transaction routing maximizes approval rates across different banks by automatically selecting the best payment path.
Pricing:
UPI and cards: 1.95% platform fee for most domestic payment methods.
Cardless EMI: 1.90% platform fee for EMI transactions without requiring credit cards.
International cards: 2.99% platform fee for global card acceptance.
Best For: Businesses that want the lowest transaction costs without compromising on payment method variety or success rates.
PayU is designed for businesses planning international expansion and payment optimization. You can accept payments in multiple currencies while keeping customers on your website during checkout, plus get instant refunds processed within 5 minutes.
Key Features:
Global payment acceptance: Let customers pay in their domestic currency while receiving settlements in INR, removing currency conversion concerns for international buyers.
Instant refund capability: Process refunds within 5 minutes directly from your Shopify dashboard, improving customer satisfaction and reducing support tickets.
Superior card payment flow: Keep customers on your site during payment instead of redirecting to external pages, maintaining brand experience and reducing abandonment.
Affordability widget integration: Display EMI, BNPL, and offer options directly on product pages, helping customers understand payment options before adding items to cart.
Multi-currency store creation: Build international storefronts with localized payment experiences for different markets and regions.
Pricing:
Domestic transactions: 2% platform fee for Visa, Mastercard, net banking, BNPL, and wallets.
Premium cards and international: 3% platform fee for Diners, American Express, EMI, and international transactions.
Enterprise solutions: Custom pricing available for large-volume businesses.
Best For: Businesses with international ambitions that need multi-currency support and advanced
payment optimization features.
PayPal remains the standard for international payments, offering global reach and buyer protection features for businesses serving international customers. You get access to the worldwide market with built-in currency conversion, though fees are higher than domestic alternatives.
Key Features:
Global payment acceptance: Trusted payment method recognized worldwide with built-in buyer and seller protection, increasing customer confidence for international purchases.
Multi-currency transaction support: Handle payments in major global currencies with automatic conversion, simplifying international commerce for both buyers and sellers.
Dispute management system: Built-in chargeback and dispute resolution tools protect merchants through structured resolution processes and evidence submission systems.
International compliance: Built-in adherence to global payment regulations and security standards across different countries and jurisdictions.
Buyer confidence features: PayPal's reputation and buyer protection policies increase customer trust for international transactions and higher-value purchases.
Pricing:
International transactions: 4.40% + fixed fee based on currency received for cross-border payments.
Currency conversion: 3-4% above base exchange rate, depending on specific currency pair.
Micropayments option: 6% + reduced fixed fee for small transaction amounts.
Best For: Businesses focused on international sales that need a globally recognized payment method with strong buyer protection features.
Paytm Payment Gateway uses India's most widely used checkout experience, with over 300 million Indians familiar with the payment flow and interface. You benefit from instant customer recognition and trust since most Indians use Paytm regularly.
Key Features:
Familiar checkout experience: Customers recognize and trust the Paytm payment interface from their daily usage, reducing hesitation during checkout and improving conversion rates.
100+ payment sources: Complete coverage of Indian payment methods, including all major banks, regional payment options, and digital wallets for maximum customer coverage.
Better uptime: A better payment gateway uptime with the capacity to handle 10,000+ transactions per second during peak shopping seasons and flash sales.
Instant activation process: Digital onboarding with minimal documentation requirements, allowing businesses to start accepting payments within hours of application.
24/7 dedicated support: Round-the-clock assistance through toll-free numbers and email support for technical issues and payment queries.
Pricing:
Standard transactions: 1.99% platform fee for most payment methods excluding premium cards.
Premium instruments: 2.99% platform fee for Diners, American Express, and selected payment types.
Enterprise solutions: Custom pricing available for large businesses with dedicated account management.
Best For: Businesses that want to use Paytm's brand recognition and need reliable payment processing with dedicated customer support.
Selecting the right payment gateway requires evaluating several factors that directly impact your business success. The right choice depends on your specific business model, customer base, and growth plans.
Evaluate your customer payment preferences: Research how your target customers prefer to pay. For instance, B2B customers often use net banking and bank transfers, while international customers expect global card support and familiar checkout experiences.
Calculate total cost of ownership: Look beyond advertised rates to analyze complete costs. Include platform fees, setup charges, annual maintenance, currency conversion fees, and any premium feature costs.
Consider international expansion plans: If you plan to sell globally, choose gateways that support multi-currency acceptance, international cards, and provide proper compliance documentation.
Check integration complexity and support: Evaluate how quickly you can go live and what ongoing support is available. Some gateways offer one-click Shopify plugins while others require custom development.
Verify success rates and reliability: Request data on payment success rates, uptime guarantees, and retry mechanisms because they directly affect your transactions.
Most payment gateways focus on domestic transactions, leaving international expansion as an afterthought. When your business grows globally, you need a reliable payment platform that is built for global success. That’s where PayGlocal comes in.
Whether you're receiving payments from global clients or expanding your business into new markets, PayGlocal handles the complexity while you focus on growing your business. Here’s why PayGlocal stands out when compared to other payment gateways:
Real-time tracking: Monitor payment status from initiation to settlement with instant notifications and detailed transaction reports.
No-code setup option: Start accepting payments using simple plugins and payment links without any technical development required.
API and Plugin integration available: Easily integrate using APIs or plugins supporting popular platforms like Shopify, WooCommerce, and more for quick setup.
Global payment methods: Support 40+ international payment options, including local cards, bank transfers, and region-specific payment methods.
Zero setup costs: No installation fees, annual charges, or hidden costs. Pay only when you process transactions.
PayGlocal makes international payments as simple as domestic ones, with transparent pricing and instant compliance support for growing businesses.
The right Shopify payment gateway can enhance your business by increasing conversions, reducing costs, and enabling international growth.
Consider your current needs and future plans when making this decision. A gateway that works for a local business today might limit international expansion tomorrow. Smart merchants choose solutions that grow with their ambitions while providing immediate value. PayGlocal stands out for businesses ready to grow globally from day one.
Start accepting payments with a fast and reliable international payment solution. Get started with PayGlocal today.
Is Shopify Payments available in India?
No, Shopify Payments is not currently available in India. Indian merchants have to use third-party payment gateways like Razorpay, PayGlocal, or Cashfree to accept payments on their Shopify stores.
How long does payment gateway integration take for Shopify?
Most gateways offer instant integration through Shopify plugins, taking 5-15 minutes to activate. Enterprise setups with custom features may require 1-2 weeks for complete configuration and testing.
What payment methods are most popular in India?
UPI is the most popular payment method in India with a large market share, followed by digital wallets, net banking, and debit cards. Credit card usage is also growing over the years.
How do international payment gateways handle currency conversion?
Most gateways charge 3-4% above base exchange rates for currency conversion. Some offer better rates for high-volume merchants or specific currency pairs through negotiated contracts.
Can I get instant settlements from Shopify payment gateways?
Several gateways offer instant or same-day settlements for an additional fee. Standard settlement cycles range from 1-3 business days, depending on the provider and your business structure.
In India, about 85% of all digital transactions occur through UPI. Other payment methods are also growing rapidly. In fact, there are around 1 billion debit cards in India. With a wide range of payment options from UPI to digital wallets and international cards, your gateway needs to handle multiple payment methods while keeping costs manageable.
In this guide, we cover the top 7 Shopify payment gateways in India, including their key features and pricing details, so that you can make the right choice for your business. Let’s get started!
Key Takeaways:
What is a Shopify payment gateway?
A Shopify payment gateway is a service that processes online payments for your Shopify store. It connects your customer's bank account to your business account, handling payment information securely during transactions.
When a customer makes a purchase on your Shopify store, the payment gateway encrypts their payment details, sends them to the bank for authorization, and returns the transaction result. For example, when someone buys products worth ₹2,000 using their HDFC debit card, the gateway verifies the card details, checks the account balance, and completes the transfer.
In India, Shopify doesn't offer its native Shopify Payments service, making third-party payment gateways essential for Indian merchants. These gateways support local payment methods like UPI, NEFT, and various digital wallets that Indian customers prefer.
Why do you need the right payment gateway for Shopify?
The payment gateway you choose affects your business success directly. Making the wrong choice leads to failed transactions, frustrated customers, and lost revenue.
Here's why selecting the right payment gateway matters:
What are the best Shopify payment gateways in India?
India's payment market offers several excellent options for Shopify merchants. Each gateway brings unique strengths in terms of pricing, features, and supported payment methods.
Let’s take a detailed look at each of these best Shopify payment gateways that Indian businesses trust for their online stores:
1. PayGlocal
PayGlocal focuses on global payment collection for businesses that serve customers globally. You get multi-currency accounts in major currencies plus support for 180+ countries, making it easy to collect international payments. Some of India’s well-known brands, like MakeMyTrip and PolicyBazaar, use PayGlocal to power their payment processes.
Key Features:
Pricing:
Best For: Exporters, SaaS companies, and businesses with international customers who need global payment collection with local settlement options.
2. Razorpay
Razorpay serves over 60,000 Shopify businesses with a focus on maximizing payment success rates through intelligent routing and payment method support. You get access to a strong payment infrastructure with features like Magic Checkout that auto-fills customer details and reduces cart abandonment significantly.
Key Features:
Pricing:
Best For: High-growth e-commerce businesses that need advanced features like smart checkout, COD management, and revenue optimization tools.
3. PhonePe
PhonePe Payment Gateway uses the trust and recognition of being one of India's leading digital payment brands. You benefit from customer familiarity since most Indians already use PhonePe for daily transactions, plus you get promotional zero fees for a limited time.
Key Features:
Pricing:
Best For: Small to medium businesses looking for a trusted payment brand with promotional pricing and simple integration options.
4. Cashfree
Cashfree payment gateway offers some of the lowest charges in India while maintaining high success rates and payment method coverage. You can start accepting payments in multiple methods, including UPI, cards, net banking, and wallets, at rates starting from just 1.95% with instant settlements available.
Key Features:
Pricing:
Best For: Businesses that want the lowest transaction costs without compromising on payment method variety or success rates.
5. PayU
PayU is designed for businesses planning international expansion and payment optimization. You can accept payments in multiple currencies while keeping customers on your website during checkout, plus get instant refunds processed within 5 minutes.
Key Features:
Pricing:
Best For: Businesses with international ambitions that need multi-currency support and advanced
payment optimization features.
6. PayPal
PayPal remains the standard for international payments, offering global reach and buyer protection features for businesses serving international customers. You get access to the worldwide market with built-in currency conversion, though fees are higher than domestic alternatives.
Key Features:
Multi-currency transaction support: Handle payments in major global currencies with automatic conversion, simplifying international commerce for both buyers and sellers.
Pricing:
Best For: Businesses focused on international sales that need a globally recognized payment method with strong buyer protection features.
7. Paytm Payment Gateway
Paytm Payment Gateway uses India's most widely used checkout experience, with over 300 million Indians familiar with the payment flow and interface. You benefit from instant customer recognition and trust since most Indians use Paytm regularly.
Key Features:
Pricing:
Best For: Businesses that want to use Paytm's brand recognition and need reliable payment processing with dedicated customer support.
How to choose the right Shopify payment gateway for your business?
Selecting the right payment gateway requires evaluating several factors that directly impact your business success. The right choice depends on your specific business model, customer base, and growth plans.
Evaluate your customer payment preferences: Research how your target customers prefer to pay. For instance, B2B customers often use net banking and bank transfers, while international customers expect global card support and familiar checkout experiences.
Calculate total cost of ownership: Look beyond advertised rates to analyze complete costs. Include platform fees, setup charges, annual maintenance, currency conversion fees, and any premium feature costs.
Consider international expansion plans: If you plan to sell globally, choose gateways that support multi-currency acceptance, international cards, and provide proper compliance documentation.
Check integration complexity and support: Evaluate how quickly you can go live and what ongoing support is available. Some gateways offer one-click Shopify plugins while others require custom development.
Verify success rates and reliability: Request data on payment success rates, uptime guarantees, and retry mechanisms because they directly affect your transactions.
Scale your Shopify payments globally with PayGlocal
Most payment gateways focus on domestic transactions, leaving international expansion as an afterthought. When your business grows globally, you need a reliable payment platform that is built for global success. That’s where PayGlocal comes in.
Whether you're receiving payments from global clients or expanding your business into new markets, PayGlocal handles the complexity while you focus on growing your business. Here’s why PayGlocal stands out when compared to other payment gateways:
PayGlocal makes international payments as simple as domestic ones, with transparent pricing and instant compliance support for growing businesses.
Final Thoughts
The right Shopify payment gateway can enhance your business by increasing conversions, reducing costs, and enabling international growth.
Consider your current needs and future plans when making this decision. A gateway that works for a local business today might limit international expansion tomorrow. Smart merchants choose solutions that grow with their ambitions while providing immediate value. PayGlocal stands out for businesses ready to grow globally from day one.
Start accepting payments with a fast and reliable international payment solution. Get started with PayGlocal today.
FAQs
Is Shopify Payments available in India?
No, Shopify Payments is not currently available in India. Indian merchants have to use third-party payment gateways like Razorpay, PayGlocal, or Cashfree to accept payments on their Shopify stores.
How long does payment gateway integration take for Shopify?
Most gateways offer instant integration through Shopify plugins, taking 5-15 minutes to activate. Enterprise setups with custom features may require 1-2 weeks for complete configuration and testing.
What payment methods are most popular in India?
UPI is the most popular payment method in India with a large market share, followed by digital wallets, net banking, and debit cards. Credit card usage is also growing over the years.
How do international payment gateways handle currency conversion?
Most gateways charge 3-4% above base exchange rates for currency conversion. Some offer better rates for high-volume merchants or specific currency pairs through negotiated contracts.
Can I get instant settlements from Shopify payment gateways?
Several gateways offer instant or same-day settlements for an additional fee. Standard settlement cycles range from 1-3 business days, depending on the provider and your business structure.
