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How to Get E-Payment Gateway?

payment gateway is a merchant service provided by an e-commerce application service provider that authorizes credit card or direct payments processing for e-businessesonline retailersbricks and clicks, or traditional brick and mortar.[1] The payment gateway may be provided by a bank to its customers, but can be provided by a specialised financial service provider as a separate service.

A payment gateway facilitates a payment transaction by the transfer of information between a payment portal (such as a website, mobile phone or interactive voice response service) and the front end processor or acquiring bank.


5 Things to consider before setting up a payment gateway

  • Payment gateway cost (Setup fee, TDR, Annual free, etc)
  • time required in setting up
  • User Interface of the gateway
  • Payment options (Credit/Debit Cards, Net banking, Mobile Wallets, etc)
  • Backend support


1) CCAvenue

CCAvenue is one of the oldest payment gateways in India. they keep changing their user interface form time to time and keep providing best of their services.

being the oldest payment gateway setup in india i suugest the startups to use this because of its reliability and aftersale support, and its tried and tested too.


  • Setup Fee :Zero for Startup Pro Plan, Rs. 30,000 for Privilege Plan
  • Annual Maintenance Fee : 1200 – 3600
  • Transaction Fee:From 1.99% + Rs.3 to 2.99% + Rs.3

Brief Review Of CCAvenue:

Friends, I am very much happy by giving my review on CCAvenue, a master of payment gateway. CCAvenue provides a gateway to fund transfer by Credit/Debit card, Credit card processing services, merchant account etc. The CCAvenue provides a very good service and support with high security and trust. It has good amount of Information depth by which it gives satisfactory services to the customers. Content Timeline of CCAvenue portal contains various link which are required to customers. Its design is very attractive and very useful as I feel. Website takes few seconds to load.
So friends feel free to go this site and use it as per your requirements.


Top clients of CCAvenue: 
MakeMytrip, ClearTrip, Naukri, AirAsia, Yatra, redBus, Myntra and Snapdeal




2) Citrus Pay

Launched in April 2011, Citrus is relatively new payment gateway but within short span of time they managed to acquire 800 million user base (end users & merchants). Citrus is a well funded company and growing aggressively in India. It also provides wallet service to the end users.

the documentation is large and they even can ask for pre-deposit of money, customer care support is always been an issue.

  • Setup Fee :Zero
  • Annual Maintenance Fee:1200
  • Transaction Fee:From 1.99%  + Rs.3

Brief Review Of Citrus Pay:


So anyone can conclude the the experience of the customer form the above quote, as said by customer.


Top clients of Citrus Pay: 
ProfitBooks, Emirates, Etihad, Airtel, Meru, Zivame, Esselworld, Kaya, PVR Cinemas and Healthkart

Update: PayU, an online payments company with a focus on developing markets that is owned by South Africa’s Naspers, has acquired India’s Citrus Pay for $130 million in cash, in what the companies say is the largest cash exit for a payments company in India to date.

3) PayUbiz and PayUMoney

The payment payment gateway solution provider, PayU India, rebranded both its products PayU Enterprise and PayUmoney to establish them as clear independent businesses in May 2015. Now, PayUbiz focuses on enterprises and is used by large enterprises such as Snapdeal whereas PayUmoney is the consumer brand of PayU India and has a wallet solution for consumers and payment acceptance solution.
PayU India is the flagship company of Naspers group. In India, they claim to serve more than 4000 merchants.


  • Setup Fee :For PayUBiz, plans starts from Rs. 4900 and go upto Rs. 19900. For PayUMoney, its Zero.
  • Annual Maintenance Fee:For PayUBiz, its Rs. 2400. For PayUMoney, its Zero.

Brief Review Of PayUMoney: provides service in the field of online transaction through it and support all types of Debit/Credit Cards. It contains very deep information contains . Its content timeline has various key features and several useful links. The basic design of the site is of international level and really useful for customers. You can reach to this website within 5 seconds because website takes low loading time As wallet service is integrated with the payment gateway, it adds extra value to the overall proposition. We are not using it now but would highly recommended this payment gateway for a startup.


Top clients of PayUMoney & PayUbiz: 
Jabong, BookMyShow, Freecharge, Zomato, Goibibo, Olx, Ola, ShopClues, Pepperfry


4) EBS

EBS is owned by France based Ingenio group, which is a global leader in payment processing services. You will find mixed reviews for this payment gateway. Some of the ProfitBooks customers are happily using it since past 4-5 users but some reviews are really very negative. All I can say is that EBS has been around since a while and considered as a reliable payment gateway.

EBS has recently lowered their charges due to competition and can be opted by small and medium sized businesses.   


 The pricing can be traced out from

Brief Review Of EBS:
The trouble started right from the pre-integration stage. The deadlines for service activation were missed thrice. Your executives were of no help and kept repeating the standard trained responses. I had to literally beg, request and shout at your president to get the platform live after 3 weeks of delay. Time lost, opportunity lost, real cash burnt while my team waits for platform to go live. If not your customers, if not your field troops, at least respect your key employees who end up facing the brunt.

Top clients of EBS: 
BabyOye, Snapdeal, FirstCry


5) Instamojo

This Started in 2012, Instamojo initially offered a way to collect payments for digital goods. But now thousands of users are using it to collect payments for ebooks, reports, tickets, tutorials, merchandise, invoices, services, and much more.

Instamojo is super easy to setup. They have recently introduced instant onboarding. Now, you don’t require any documentation to begin a trial account with Instamojo, simply answer a few questions and get started in minutes. For a full account, the bank statement and PAN card remain the only requirements. You can create a payment link or button, a page where you can list your products or services or directly request a payment.

  • Setup Fee :Zero
  • Annual Maintenance Fee:Zero
  • Transaction Fee:2% of the amount + ₹ 3 per transaction excluding Service Tax

Brief Review Of Instamojo:

There are probably many websites which support online payments, but Instamojo is one in which I have personally worked on thanks to my work in office. It is a very user friendly website which helps users understand how to move with the entire process and also eases your banking problems.Some of the things I like is that you can segregate each of your different types of payments you receive into categories. You don’t only get information of all the payments but also of various categories that you have created initially.



*Transfer of Development Rights (TDR) means making available certain amount of additional built up area in lieu of the area relinquished or surrendered by the owner of the land, so that he can use extra built up area either himself or transfer it to another in need of the extra built up area for an agreed sum of money.



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