According to the recent Shopify stats, more than 60K Shopify eCommerce stores are active in India and the numbers are increasing rapidly. Businesses use many payment gateways, but which Shopify payment gateway is reliable for Indian merchants?
For international Shopify merchants, there are thousands of payment gateway available but not all of them work the same for Indian markets. And some of them only work for international checkouts.
That’s why it is important for Indian Shopify sellers 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.
Here’s a quick verdict table of the best Shopify payment gateways in India for busy readers.
| S.No. | Shopify Payment Gateway | Accepted Payment Methods | Best For |
|---|---|---|---|
| 1. | Stripe | Major cards, Apple Pay, Google Pay | International businesses, ease of use |
| 2. | Razorpay | Cards, UPI, Netbanking, EMI | Businesses located in India |
| 3. | PayPal | Credit/debit cards, bank transfers, PayPal balance | Any business size |
| 4. | Amazon Pay | Amazon account balance, UPI, net banking | Businesses running stores on Shopify and Amazon |
| 5. | PayU Money | All types of cards, UPI, eWallets, net banking | Businesses in India |
| 6. | Cashfree Payments | EMI, net banking, UPI, wallets | Domestic and International businesses in India |
| 7. | Easebuzz | Cards, UPI, EMI, eWallets | Small and medium-sized businesses |
| 8. | 2Checkout | PayPal, credit cards, international payments | Subscription-based businesses |
| 9. | CCAvenue | Net banking, international wallets | Large & established businesses in India |
| 10. | Authorize.net | Credit/debit cards, eChecks | Indian businesses running international stores |
Now, let’s know more about each Shopify payment gateway that is used in India on a large scale.
1. Stripe
Stripe with Shopify is an unbreakable bond. 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 only downside is that it is only available in 46 countries, including India. But merchants can still use some of its features with Shopify Payments which is powered by Stripe.
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. It charges a standard pay-as-you-go fee for every transaction, which is 2% (for Indian-issued cards) and 3% (for cards issued outside India).
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 2024, 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 or EMI, 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% transaction fee for every transaction. Currency converting charges are also included if you want to accept payments from international customers.
4. Amazon Pay
You may think that Amazon Pay only works within the Amazon ecosystem. Then you are wrong. Like Amazon, this payment processor has a network in 170+ countries, including India. You can set Amazon Pay as your alternative payment method, even with the Shopify free trial.
You can add Amazon Pay as a secondary payment method and accept payment worldwide. Compared to other platforms, the platform charges very low processing fees and you can set it up in your Shopify store for free as well. Besides, there is no transaction fee.
Key Features:
- Offers a quick and secure checkout window
- Supports payments through Amazon Alexa-enabled devices
- Enables Shopify account holders to check out their stored account information
- Comes with Amazon’s fraud protection technology
- Supports multiple eCommerce platforms
Pricing: Amazon Pay charges 1.95% processing fees + taxes with no transaction fees included.
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 1.15% (debit card) and 1.85% (credit card) fee for every transaction.
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 transaction.
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 model for every transaction. It charges 0.5% to 1.1% transaction fees.
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 (6.0% + $0.60) and 4Enterprise. 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 range between 3% to 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.
Conclusion: Stripe Is The #1 Best Shopify Payment Gateway In India
For Indian Shopify merchants, there are tons of payment gateways available. However, you can’t rely on all of them due to security concerns and hefty transaction charges. The list I have curated is widely used and trusted by thousands of eCommerce merchants.
However, before choosing a payment gateway, check if the platform complies with Indian tax and GST policies. Since every platform doesn’t charge any setup or maintenance fee, you can easily check its compatibility with your Shopify store.
