Take UPI, card, netbanking and wallet payments inside your software, with Razorpay or the Indian gateway you choose.
This service adds online payments to your software using a gateway that works in India. Several of our products already take payments through Razorpay: the order is created on the server, the payment is verified, and the payment is confirmed even if the customer's browser never returns. The same approach can be added to your product, and it works the same way with the other Indian gateways listed below.
Indian payments are led by UPI, followed by cards, netbanking and wallets, with EMI and pay-later options for larger purchases and mandates for recurring payments.
What Indian Gateways includes.
The gateway checkout opens from your software for the exact amount, with UPI, cards, netbanking and wallets.
Payment signatures are verified on the server before anything is confirmed.
The booking or order is completed even if the customer never returns to your site.
Full and partial refunds issued through the gateway where your rules allow.
Customers can add money to a wallet balance, as in our hospital appointment product.
UPI AutoPay, e-mandate and card subscriptions, where your gateway supports them.
Send a link by SMS, email or WhatsApp to collect a payment without a checkout page.
Payment status, gateway reference and settlement details kept against each order.
A typical flow.
We agree the payment flows and your refund rules
We connect your gateway account in test mode
We test payments, failures and refunds end to end
We switch to live keys and go live
We handle the integration. These are the accounts and approvals that sit in your business name.
Use the gateway you already hold an account with. Razorpay is the one already used in our products; any other gateway is connected as part of the project.
Checkout, payment links, subscriptions and refunds through one integration. The gateway already used in our products.
Good fit when You want the integration we have already built and tested, or strong UPI support.
Collections with payment links and subscriptions, alongside payout and verification services.
Good fit when You need payments, payouts and UPI together.
Online checkout for Indian businesses, with cards, UPI, netbanking, wallets and EMI options.
Good fit when You are a large merchant or an e-commerce business with high volumes.
UPI-led checkout from the PhonePe merchant platform, with cards and netbanking.
Good fit when Most of your customers already pay by UPI.
A long-established Indian gateway with many payment modes and multi-currency options.
Good fit when You are an established business that needs many payment methods.
Checkout supporting UPI, the Paytm wallet, cards and netbanking.
Good fit when You want UPI and the Paytm ecosystem.
Netbanking, cards and UPI collections, widely used for recurring bills and institutional payments.
Good fit when You are a bank, a utility or an enterprise collecting bills on a schedule.
Collections with split settlement and payouts for platforms and marketplaces.
Good fit when You are an SME, an education business or a platform that splits money between parties.
A checkout and routing layer that sits across several gateways and banks.
Good fit when You want payment orchestration across more than one gateway.
Online gateway from a company with a large in-store network, with an emphasis on EMI and offers.
Good fit when You take payments both online and offline, at enterprise scale.
Online and QR collections across UPI, cards, netbanking and wallets.
Good fit when You take both online and QR payments.
Simple payment links and checkout aimed at small businesses and online sellers.
Good fit when You are small and want to start collecting quickly.
The India arm of a global payments company, covering cards, UPI, netbanking and EMI.
Good fit when You want a gateway from a large global payments group.
Gateways run by acquiring banks, such as HDFC Bank SmartGateway, ICICI Bank Eazypay, Axis Bank ePay and SBI ePay, where collections settle with the bank.
Good fit when You prefer to deal directly with your bank.
Ranks follow a commonly cited 2026 comparison of leading providers; rankings change and are not an endorsement. Supported methods, availability by country, settlement terms and onboarding rules differ by provider and change over time, so please confirm them with the provider you choose. All names and logos belong to their owners. WhiteLabel Softwares is not affiliated with or endorsed by any provider listed, and the list is for information only.
Also see: International gateways · African gateways and mobile money
FAQs
Razorpay is the gateway already used in our products. Any other gateway, such as PayU, Cashfree, CCAvenue or PhonePe, can be connected as part of a project.
Choose by the payment methods your customers use, how quickly you need settlement and the onboarding rules for your business type. We can integrate the account you already hold.
Yes. A product can offer a second gateway or use an orchestration layer that routes between gateways.
No. Card details are entered on the gateway's own checkout and never pass through or are stored by your software.
Related
Stripe, Adyen, PayPal, Checkout.com, Worldpay, Airwallex, dLocal and more: cards, wallets, bank debits and local methods in your own software, with payment confirmation and refunds.
M-Pesa, MTN MoMo, Airtel Money, Orange Money, Wave and other African providers, plus gateways such as Flutterwave and Paystack: mobile money, cards and bank payments in your software.
OTP login and verification by SMS, with expiry, resend limits and attempt locking, set up for India's DLT rules.
Request a demo and we will confirm what this service involves for your system.
