Intro:
When running an online store on Shopify, a smooth and secure payment experience is non-negotiable. For Indian merchants, choosing the right payment gateway isn’t just about collecting payments—it’s about building trust, reducing cart abandonment, and improving cash flow.
In this blog, we’ve shortlisted the top 7 payment gateways for Shopify stores in India, with key details on pricing, features, and why they stand out in 2025.
1. Razorpay
Why it’s popular: Razorpay is one of the most preferred choices for Shopify users in India, thanks to its seamless integration, fast settlements, and extensive payment options.
Key Features:
- Accepts UPI, credit/debit cards, net banking, wallets, EMI
- 24-48 hour settlement cycle
- Smart dashboard with analytics
- Shopify plugin available
Pricing: 2% + GST per transaction (for domestic cards/UPI)
✅ Best for: Startups, D2C brands, and high-volume stores
2. PayU (formerly PayU Money)
Why it stands out: PayU is known for its easy onboarding and extensive success with small to mid-sized businesses.
Key Features:
- Wide payment options including BNPL (Buy Now, Pay Later)
- Advanced fraud detection tools
- Fast Shopify integration
- No setup fees
Pricing: 1.75% – 2% per transaction depending on volume
✅ Best for: Growing Shopify stores and marketplaces
3. Cashfree Payments
Why it’s gaining traction: Cashfree is developer-friendly and known for fast settlements and customizable APIs.
Key Features:
- Instant refunds & same-day settlements
- Payment links, subscriptions, UPI AutoPay
- International payments supported
- Shopify plugin + powerful dashboard
Pricing: Starts at 1.90% per domestic transaction
✅ Best for: Tech-savvy stores and subscription-based products
4. CCAvenue
Why it’s a veteran player: CCAvenue has been around for years and is trusted by enterprises and large-volume merchants.
Key Features:
- 200+ payment options including 27+ currencies
- Strong multi-lingual support
- Custom branding options
- PCI DSS certified secure transactions
Pricing: 2% – 3% per transaction based on plan
✅ Best for: Large-scale stores and those offering global shipping
5. Instamojo
Why it’s SMB-friendly: Instamojo is built for Indian creators, small brands, and entrepreneurs just getting started.
Key Features:
- Super simple setup
- Supports cards, UPI, wallets, net banking
- Payment links + digital store options
- Works well with basic Shopify plans
Pricing: 2% + ₹3 per transaction
✅ Best for: New Shopify sellers and solo entrepreneurs
6. Shopify Payments (via Stripe – coming soon to India)
Why it’s relevant: Shopify is expected to roll out Shopify Payments via Stripe in India soon, which will bring native checkout, faster payouts, and lower failure rates.
Expected Features:
- Native checkout experience (fewer redirects)
- Integrated dashboard with Shopify
- Potential for better conversion rates
- Lower transaction failure risks
⏳ Launch ETA: Late 2025 (speculative based on global rollout)
✅ Best for: All Shopify users (once launched)
7. Paytm Payment Gateway
Why it’s mobile-first: Paytm PG offers deep integration with UPI and is widely trusted by Indian customers.
Key Features:
- UPI AutoPay, wallets, cards, and net banking
- Easy-to-use Shopify plugin
- Supports recurring payments
- Strong mobile UX
Pricing: 1.75% – 2.25% per transaction
✅ Best for: Mobile-heavy stores and FMCG or lifestyle brands
How to Choose the Right Gateway for Your Shopify Store
Here are a few factors to consider before making the final call:
- Transaction fees – Do they align with your product margins?
- Settlement speed – Faster settlements improve cash flow.
- Integration ease – Native Shopify plugins save development time.
- Customer trust – Choose a gateway your audience recognizes.
- International support – For cross-border selling.
Final Thoughts
Your payment gateway is the final bridge between a customer’s decision and your revenue. The right one can boost conversions, build trust, and streamline operations.
At DigiVigyan, we help Shopify merchants set up end-to-end e-commerce systems—SEO, ads, integrations, and yes, payment gateway selection too.
Need help optimizing your Shopify store’s checkout experience?
