Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Best Online Payment Gateways in India

     

    A payment gateway is an application that makes the online payment process very simple and easy. It is actually a medium that connects a merchant’s mobile application or website with the bank. When you make payments through a payment gateway, the merchant’s website sends your debit/credit card details to the gateway for confirmation. The payment gateway then verifies the details from the bank and the amount gets transferred from your bank account to the merchant’s bank account.

    There are various payment gateways in India that allow customers to make payments online. Some of the popular ones are:

     

    Citrus Pay Payment Gateway

    Citrus Pay is one of the top payment gateways in India today. It supports most credit cards like Visa, MasterCard, American Express, etc. The payment process is quick and secure as Citrus Pay has high levels of security in place. Apart from this, it provide various services such as Citrus Cash (an online wallet) and Citrus Cube (an online application for paying bills).

     

    CCAvenue Payment Gateway

    CCAvenue is another a popular payment gateway, which offers multiple payment options. It supports six credit cards, namely, JCB, MasterCard, Visa, American Express, Diners Club and eZeClick. CC Avenues payment page can be viewed in 18 different languages (Indian as well as international) and it accepts payments in 27 foreign currencies. Some of these currencies are Euro, Singapore Dollar, Indian Rupees, Japanese Yen, American Dollar, UAE Dirham, Pound Sterling, Hong Kong Dollar, Qatari Riyal, Bahraini Dinar, Baht, Sri Lankan Rupee, Malaysian Ringgit, Taka, New Zealand Dollar, Canadian Dollar, Nepalese Rupee, Australian Dollar, Omani Rial, Swiss Franc, Kuwaiti Dinar, Chinese Yuan Renminbi, etc.

     

    PayUBiz India Payment Gateway

    PayUBiz allows businesses to manage and accept their payments online. It is a well- known payment gateway that supports cards, net banking, wallets, international cards, EMI, IVR payments, etc. The payment gateway allows businesses to accept payments in 13 currencies. PayUBiz handles online banking for some of the leading banks in India. The Company has focused a lot on mobile technology and payments on Android phones can be made through just one tap.

     

    Direcpay Payment Gateway

    Direcpay is a payment gateway that supports different types of credit and debit cards. Using Direcpay merchants can accept mobile payments and payments made via net banking as well. It is a solution for merchants and companies who deal with ecommerce and online transactions. Payments using Direcpay can be made using different types of foreign currencies. This payment gateway is secure and easy to use.

     

    Zaakpay Payment Gateway

    Zaakpay is another popular payment gateway that supports all international and Indian MasterCard credit cards, Visa credit cards, Discover and Diners credit cards. It is a secure gateway and the payments on this portal can be made using a few clicks.

     

    Instamojo Payment Gateway

    Instamojo is one of the best payment gateways for purchase of digital files, tickets, services, goods, music, videos, etc. The payment process is quick and secured with bank level security. Merchants can use this payment gateway to collect payments on Facebook, Whatsapp and Instagram among others. This gateways also allows merchants to collect their payments via SMS, Email and instamojo username.

     

    Bill Desk

    Bill Desk is a popular payment gateway that allows people to pay and receive all their bills at one place. A lot of Indian banks are connected with Bill Desk to make the payment process simple, quick and safe. Using Bill Desk, customers can decide how and when to make payments and they can also set payment reminders or alerts.

    Atom Paynetz Payment Gateway

    Atom Paynetz is a leading payment gateway that provides over a hundred payment options. It supports domestic credit cards such as Visa, MasterCard, JCB, American Express, Discover and Diners. It offers revenue boosters such as Promotion and Discount Engine, Multi Bank EMI, express payments, etc., to merchants.

     

    PayUMoney

    This payment gateway is known for simplifying the entire online payment process. It is a flagship company of the Naspers group and it serves over 4,000 merchants in India. PayUMoney has partnered with some of the major banks in the country and provides a safe platform to people for receiving and making payments.

     

    ePaisa

    This payment gateway helps businesses in managing their payments in an easy and effective manner. Merchants can use ePaisa to manage their inventory, speed up the checkout process, accept payments on tablet or smartphones, etc. Businesses can accept credit or debit card payments, wallet payments, online payments and bitcoin payments using ePaisa. The payments are secure and the company provides 15 day money back guarantee.

     

    airpay

    This payment gateway allows merchants and businesses to accept debit or credit card payments on website, wapsite and mobile apps in a secure and hassle free manner.

     

    Emvantage

    Using this payment gateway, merchants can manage a large number of transactions easily and in a secure way. Emvantage allows merchants to collect payments using multiple payment modes such as credit cards, debit cards, prepaid cards, mobile payments, Netbanking, etc.

     

    JusPay

    This secure payment gateway is popular for offering the express checkout feature and Secure 1-Click experience for Mobile Payments. It auto processes OTP from SMS and optimizes network efficiently to reduce the loading time of a page.

     

    Transecute

    Using this payment gateway, merchants can accept online payments from their customers. People can pay using their Visa or MasterCard credit cards. The service is easy to use and integration takes less than 30 minutes.

    The above mentioned payment gateways are among the best in India and they provide extremely secure platforms for people to make their payments online quickly without any worry.

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    Best Online Payment Gateways in India Reviews

    • RBL Bank Credit Card
      "Easy to convert for EMI "
      0.5 4.0/5 "Great!"
      I got RBL card offer from BAJAJ Finance. I have been using this card past 10 months which is a life time free card. The credit limit is sufficient of 55K. EMI conversion is avail and I can convert via mobile app whenever required with nominal charge. I use this card for general purpose. Based on usage I get points but not yet redeem it.
      Was this review helpful? 26
      , chennai
      Reviewed on Mar 21, 2020
    • SBI Cards
      SBI Cards Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      SBI credit card have offers and reward points but I have not redeem them yet, this is a domestic card, the credit limit is of 50000 which I am very much satisfied as per my need. I got my statement on time. I used this card for personal purposes.The card is very user friendly.
      Was this review helpful? 32
      , hyderabad
      Reviewed on Mar 21, 2020
    • SBI Cards Credit Card
      "Ok service"
      0.5 5.0/5 "Blown Away!"
      I am using SBI credit card for more than three months, there are some reward points and offers in the card. I used this card for online shopping, fuel surcharge and groceries.The credit limit of the card is sufficient and I like the most about the card is that it is a life time free card and very good to use.
      Was this review helpful? 25
      , hyderabad
      Reviewed on Mar 21, 2020
    • IndusInd Bank Credit Card
      "Ok service"
      0.5 5.0/5 "Blown Away!"
      The bank agent suggest me to take credit card from INDUSIND and I have taken it because it doesn't have any annual fee. The offer and reward points are available in the card are good. I am satisfied with the limit of the card. I used the card for general purposes. But it will be nice, if the offers and reward points will be more.
      Was this review helpful? 14
      , jaipur
      Reviewed on Mar 21, 2020
    • IndusInd Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I am using INDUSIND credit card for 3 months. The card have no offers available and also there is no rewards. The only benefit is that its a life time free card and the credit limit is only for 75000 I am not that satisfied as i expected to get around 1.5 lakh. Apart from the limit over all experience is good.
      Was this review helpful? 16
      , chennai
      Reviewed on Mar 21, 2020
    • IndusInd Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have got INDUSIND credit card few months ago and I have used it for two months now ,the credit limit of the card is Rs.70000 which is a life time free card. The bank have informed me every details about the reward points and offers but I have not got any time check it. I am satisfied with their card service.
      Was this review helpful? 17
      , hyderabad
      Reviewed on Mar 21, 2020
    • ICICI Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      Am having ICICI credit card for two years, I feel good and have not face any issues. The best part about the card is its a life time free card. I used to get my card statement on time. I used this card for shopping, groceries and for many other personal purposes.I am using the bank mobile app which function smooth and simple.
      Was this review helpful? 21
      , faridabad
      Reviewed on Mar 21, 2020
    • SBI Cards Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have used SBI credit card for 2-3 months, but I have not got any time to check about the offers available in the card. The limit of the card is 38000 and I am satisfied because its a life time free card. I used to get my card statement on time and the net banking is also working very well.
      Was this review helpful? 30
      , faridabad
      Reviewed on Mar 21, 2020
    • IndusInd Bank Credit Card
      "Good service "
      0.5 4.0/5 "Great!"
      Since it is a life time free card offer from INDUSIND so I chosen it and applied through online. I received a call on time and they have done the verification process. Hence I received the card by 7 days, the credit limit is okay for me. Its easy to use for all purposes.
      Was this review helpful? 12
      , chennai
      Reviewed on Mar 21, 2020
    • Citibank Credit Card
      "Good "
      0.5 4.0/5 "Great!"
      CITI has provided good offers and benefits on 2 months before. So I chosen this card and applied through online. It is annual fee chargeable of 500 rupees bu there is waiver off option if I spend 30K within a year. The credit limit is 65K. There is EMI conversion avail for this card.
      Was this review helpful? 10
      , coimbatore
      Reviewed on Mar 21, 2020
    • HDFC Bank Credit Card
      "very good"
      0.5 5.0/5 "Blown Away!"
      I have used credit card from HDFC bank for 1 year which is very good and also very comfortable, its a life time free card and lots of offers are available in the card. This card was suggested to me by my colleague. Mobile banking also functions very smooth.
      Was this review helpful? 30
      , bangalore
      Reviewed on Mar 21, 2020
    • IndusInd Bank Credit Card
      "Average service"
      0.5 4.0/5 "Great!"
      INDUSIND bank credit card have an credit limit of of Rs.75000, there is no offers available in the card and it also have a charges of 3000 along with GST. I hardly receive any remainder messages for my bill payment due to that some time I could not pay my bill on time. I would advise them send my bill on time before the due date.
      Was this review helpful? 15
      , bangalore
      Reviewed on Mar 21, 2020
    • ICICI Bank Credit Card
      "Need to increase the credit limit "
      0.5 5.0/5 "Blown Away!"
      I have been using ICICI card for more than one year. They have provided an annual fee chargeable card and waiver off option is applicable. The credit limit is okay of 50K. Since I need to do purchase about 45K on some of the month so this limit is not sufficient. I swipe the card for travel, shopping and fuel purposes. I have not opted for EMI conversion.
      Was this review helpful? 15
      , kolkata
      Reviewed on Mar 21, 2020
    • Axis Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been using AXIS bank credit card for 3 years, Its a life time free card so I applied the card through bank. The agent have informed me everything about the card. I used to get offers of 10% on petrol bunk and shopping.The limit of the card is Rs.45000 and I used to pay my bill directly through bank.I am also using their net banking which is very good.
      Was this review helpful? 25
      , kolkata
      Reviewed on Mar 21, 2020
    • IndusInd Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I got INDUSIND credit card from few months ago.The card have an EMI conversion. I used the card for multi purposes like shopping, online payment, ticket booking. This is annually chargeable card, I am not satisfied with the credit limit of Rs.75000 as I am expecting more than than 1 lakh.
      Was this review helpful? 18
      , kolkata
      Reviewed on Mar 21, 2020
    • IndusInd Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I got a life time free card offer from INDUSIND bank hence applied through online on three months back. I received the call on time and the process was done on smooth. I got the card on exact time frame. The credit limit is sufficient and they provided good offers and benefit as well.I use this card for shopping and travel purpose.
      Was this review helpful? 7
      , kolkata
      Reviewed on Mar 21, 2020
    • RBL Bank Credit Card
      "Average service"
      0.5 1.0/5 "Really Bad"
      RBL credit card is a chargeable card, I always have to go to Bajaj Finance to pay my credit card bill. I am not satisfied with the customer service which has to be improved. I used this card when ever needed for shopping, fuel surcharge and bill payment.The limit of the card is fine.
      Was this review helpful? 42
      , ranchi
      Reviewed on Mar 21, 2020
    • HDFC Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      HDFC credit card is very convenience to use, I have been using the card for 4.5 months for Shopping, groceries, fuel surcharge and electricity bill payment also. I pay my credit card bill through ATM. I always get my bill on time, this card was suggested to me by the bank agent.
      Was this review helpful? 22
      , ranchi
      Reviewed on Mar 21, 2020
    • RBL Bank Credit Card
      "Okay service "
      0.5 3.0/5 "Satisfactory"
      I used RBL card for twice only. I get message or call for EMI conversion from banker. It is a life time free card. Once all the process done I received the card by 15 days. I am holding this card past 6 months. The credit limit is sufficient of 30K. Once I tried to convert for EMI of 3 months it was done on time without any problem. It is Bajaj card.
      Was this review helpful? 12
      , chennai
      Reviewed on Mar 21, 2020
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I have been using SBI credit card for the last two months, the credit limit of the card was satisfied it was Rs.9,80,000. The bank agent came and collect my document he have informed me every detail about the card. The card have a charges of Rs.2299 in a year. I used to pay my credit card bill through bank. Am getting my card statement in softcopy but I wish the bank can send me a hard copy statement also.
      Was this review helpful? 36
      , gurgaon
      Reviewed on Mar 21, 2020
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