Choose a payment gateway
Which payment gateway suits your business, compared by country, ways to pay, automatic payments and how fast you can sign up.
A payment gateway lets customers pay you online by card, UPI, net banking or wallet. You can connect as many as you like. Customers then pick one on the pay page. Most businesses start with one or two.
Gateways for businesses in India
| Gateway | Customers can pay with | Good for | Automatic payments |
|---|---|---|---|
| Razorpay | UPI, cards, net banking, wallets, EMI, cards from abroad | Most businesses. Quick to test, wide choice of payment methods | Yes |
| Cashfree Payments | UPI, cards, net banking, wallets, Pay Later | Low fees, fast payouts | No |
| PhonePe | UPI from any app, cards, net banking | Customers who mostly pay by UPI | No |
| PayU | UPI, cards, net banking, wallets, EMI | Established businesses, EMI | No |
| Paytm | Paytm wallet, UPI, cards, net banking | Customers who use Paytm | No |
| CCAvenue | Cards, net banking, UPI, wallets, EMI, many currencies | Selling abroad in other currencies | No |
| Easebuzz | UPI, cards, net banking, wallets | Small businesses, education | No |
| Instamojo | UPI, cards, net banking, wallets | Very small businesses, quick sign-up | No |
| Stripe | Cards, including international | Customers abroad | Yes (cards) |
| PayPal | PayPal balance and cards | Customers abroad who use PayPal | No |
Automatic payments charge a saved card or UPI Autopay mandate for each new subscription invoice. See Automatic payments.
No gateway yet?
Turn on the UPI QR and bank transfer on the Payments tab. They're free: customers pay you directly and tell you the UTR number, and you confirm it. See UPI QR and bank transfer.
Things to check before you choose
- Your currency. A gateway only appears on pay pages for currencies it takes. If you invoice in more than one currency, you may need two gateways. Each guide lists its currencies.
- Your customers. Pick the way of paying they already use - in India, that's usually UPI.
- Sign-up time. Every gateway checks your business before it pays out real money (called KYC or verification). Test keys usually work on day one; live keys can take a few days.
- Fees. Gateways charge a fee per payment. Ellibo adds nothing. Check the gateway's pricing page.
- Subscriptions. If you want subscription invoices charged by themselves, choose Razorpay or Stripe.
Using more than one
On the Payments tab you can:
- Order them. Use the arrows: the first one is shown first on pay pages.
- Limit them. Offer one only for certain currencies or up to an amount. For example, offer bank payments for large invoices and cards for small ones.
- Choose where. Offer one for invoices from all apps, for POS bills, or both.