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You have your online shop up and running, and now you need to set up a payment portal so that customers can make purchases. This site will help you decide which payment method is the most suitable for Indian online shops. 

With online shopping’s rising appeal expected to reach 2.64 billion by 2023, a robust eCommerce payment system can propel your business to the top of the sales charts. As eCommerce has grown in popularity, companies like yours have had to adopt new methods to keep up.

Managing your online store’s finances is essential. This may be the most crucial part of running a company. Selecting an appropriate payment method supplier is vital to your success.

The lifeblood of any eCommerce platform is its payment channels. They make it simple for businesses to handle regular invoicing and take money from clients via credit cards, PayPal, bank transactions, and other methods. In reality, eCommerce development is now widely used by people, startups, and multinational companies.

Every year, hundreds of innovative payment options for online stores appear, each with its advantages. The problem is figuring out which option will provide the most outstanding results.

In this article, you will learn about the finest 12 eCommerce payment gateway of 2023. It’s essential to know what a payment method is before exploring the list further.

So, what is a payment gateway?

A payment portal is an application programming interface (API) or processing device that facilitates the secure transmission of client information to the bank. It integrates with your e-commerce platform of choice to enable the collection of money from customers and the fulfillment of your orders.

It’s a safe way for businesses to handle payments from their customers. A payment portal facilitates accepting various payment types, including those from credit cards, PayPal, wire transfers, and more. 

eCommerce revenue is projected to grow to $4.2 trillion by 2025. Some service suppliers include supplementary functions like scam analysis, IP barring, chargeback management, buying site integration, API access, etc.

What role does a payment gateway play?

An eCommerce payment gateway is an external mechanism that processes financial transactions on behalf of a company. Credit card authorization, check number authentication, security checks, etc., fall under this category. 

The typical portal deal entails a customer and a vendor. A portal facilitates communication between the two parties and handles the exchange.

  • On-site 

Payment processor software for this transaction is typically built into the website itself. Both APIs and embedding website options are available for on-site platforms. Despite the higher development costs, embedded ports are often preferred due to increased efficiency and seamless incorporation.

The main benefit of on-site purchases is that you have total command over the transaction. You know every step of the data collection process for client transactions. Offering remarkable service and ensuring satisfied customers is simplified in this way. However, it’s not all upside.

  • Off-site 

Gateways maintained off-site by a bank account supplier are not physically part of the website itself. There is less overhead for processing deals through an off-site portal, but the cost will vary by provider.

Merchants can accept purchases through off-site payment portals instead of a traditional on-site bank account. Many different services, like PayPal, Braintree, Stripe,, etc., fall into this category. Merchants can either host their own website and handle sales in-house or sign up with a third-party service.

  • Redirecting

After a successful purchase, some platforms immediately take the customer to a new web address. In this way, customers’ credit card information will not be stolen if they submit it on the site. When it comes to online shops, redirecting gates are invaluable because they keep consumers from ever having to navigate away from the store’s website.

Choice of Payment Gateway: Some Considerations

The following criteria should be taken into account when selecting best payment gateway for eCommerce:

  • Security: Due to the delicate nature of client information, such as credit card numbers, payment method security is paramount. Pick a PCI-compliant portal that uses SSL protection to protect your financial data.
  • Costs: There is no uniform charge structure across all payment processors. Think a Considerteway’s transaction fees, startup fees, and other expenses. Choose a portal that won’t break the bank.
  • Simple: Make sure the portal is simple to incorporate into your online store or website. Business deals will be handled without hiccups if the merger goes off without a hitch.
  • Methods of money: various platforms take various forms of payment. When deciding on a payment processor, ensure it supports the types of payments your clients will most likely make.
  • Reputation: Go with a well-regarded payment processor. Check out the feedback left by previous customers to get a sense of the payment gateway for eCommerce dependability and trustworthiness.

If your clientele is spread out across the globe, it’s imperative that the payment method you use can accommodate their preferred currency and accept payments in local currency.

Top 12 payment gateways 


PayPal is the most popular online payment gateways and a familiar brand in the industry. PayPal is a popular mobile payment option because it has a simple user UI and a solid track record as a safe and reliable payment processor.

Using PayPal, you can open an online shop or pay for services with little effort. Thanks to their convenient array of tools, you can easily tailor your purchasing experience. One of the main reasons that PayPal is so widespread is its advanced security measures against fraud.

In addition to handling transactions from anywhere in the world, the system also supports several currencies. PayPal is accepted in 203 other nations, making it a viable payment choice for customers all over the globe.


Many international businesses rely on this payment gateway for website to facilitate online credit card transactions, and among their clientele are some of the most recognizable brands in the world. 

The integration is best for SaaS and smartphone solutions, but the setting is more involved than with PayPal. Payment handling with Stripe can take up to 7 days and is currently accessible in 21 nations.


Fondy was launched in 2019 to simplify processing funds in multiple currencies. That includes every step, from agreeing to receive funds to making distributions to others.

Now in the present day, Fondy has grown into a top money-processing company that works with businesses of all sizes. Fondy accepts over 300 payment options and 150 different currencies for processing worldwide funds.


Square is a company payment platform that provides safe and simple online credit card transactions. It’s become one of traditional brick-and-mortar businesses’ most popular payment methods. Square makes it easy to take credit card purchases from clients, whether you’re just starting with an internet company or already well-established.

Their smartphone software allows e-commerce companies to accept credit card purchases from customers anywhere, and they integrate with several popular platforms like Shopify, WooCommerce, and Bigcommerce.

However, knowing that their services come at a cost is essential. The processing cost for swiped transactions is 2.75%, while the fee for keyed-in transactions is 3.5% plus $0.15.

Like PayPal, is a payment solution that offers a sophisticated fraud detection package to ensure the security of financial operations and protect against chargebacks and other forms of theft.

With’s API, customers can tailor their financial dealings to their specific preferences and preferred payment methods. They have first-rate support for integrating with the widely used WooCommerce purchasing system. Authorize.Net supports various payment methods, including Apple Pay, PayPal, and more, in over 33 nations.

A business account and a means of user payment are both part of this comprehensive bundle. Authorize.Net makes it simple for consumers to pay with various payment methods, including credit cards, e-checks, and mobile purchases.


2CheckOut is the industry standard payment gateway for eCommerce website, operating in more than 211 nations worldwide. More than a hundred various coins are available to consumers on the site. You can choose between regular payment and online transaction.

The conventional answer is to provide a means of payment that customers can complete in a different location. On the other hand, the in-browser purchasing feature enables consumers to make cashless transfers for their web transactions.

Global transactions are made easy with 2CheckOut. It is essential to keep in mind that when making an overseas purchase, the exchange rate will be greater, usually by 2-5%.


When it comes to online transactions, Adyen is among the best payment gateways for eCommerce. More than two hundred and fifty million transactions per day can be processed from various nations and payment methods. Adyen’s statistics tool provides retailers with a wealth of information regarding customer purchases, market patterns, buyer habits, and revenue expansion.

Adyen stands apart from other payment processors because it fully connects with the most popular purchasing platforms and POS systems. Adyen also offers safe scam protection tools to guard against chargebacks and data theft.

In addition, merchants have access to a team of knowledgeable people who are available around the clock to answer their inquiries and address their concerns.

Amazon pay

For tiny and medium-sized businesses, Amazon Pay is a top choice for a payment processor. (SMEs). It has a simple payment system, not unlike Amazon’s. Protecting small and medium-sized businesses (SMEs) from the fraudulent activity is one of its primary advantages.

Users can tailor the look and feel of their purchasing and payment flow with Amazon Pay’s API-driven interface. This flexibility in payment processing is beneficial for small and medium-sized businesses.


If you’re a drop shipper searching for a streamlined payment method, Wepay is your best bet. Although it is more akin to a community site, it features a simplified API mode developed with monetary transactions in mind.
Wepay can be connected to a wide variety of bank accounts that accept a wide range of payment types and methods, including ACH, Apple Pay, ChasePay, and many others. Buyers and vendors can rest easy knowing that cutting-edge scam prevention measures protect their deals.


In India, Cashfree is a popular option for making internet purchases. Cashfree is a low-cost payment alternative for eCommerce CMS platforms to make purchases online, with over 10,000+ businesses taking Cashless assets across India.

It has a lot of functions that are helpful and simple to use. Several customer relationship management systems support seamless integration with this payment method for your online store. In addition, you can take orders from customers in various nations.


Bill Desk is a top online bill-paying gateway that consolidates your recurring financial obligations like energy payments, credit card payments, loan payments, insurance fees, etc. You can do all that and more with Bill Desk, including verifying your status, viewing your account records, paying your expenses online, setting up automatic payments, and monitoring your account balance. 

Integrate it quickly and easily with your CMS using our mobile tool or online interface. You can settle your bills whenever and however you like with Bill Desk. Automatic utility transfers can be made up quickly and on your own time.


MobiKwik is rapidly becoming one of India’s most popular payment processors because of how easily money can be sent and received from any device. MobiKwik is an easy and safe way to pay for online shopping from any more than 1.5 million stores that take the service.

It’s simple to use and connect with pre existing applications thanks to the company’s extensive features, including SMS-based verification, real-time transaction monitoring, international support, etc.


The online payment activity environment is currently being transformed into a community that is centered on the consumer by the digital payments business. Overlay services, contextual payments, inactive payments, and concealed payments are some of the new features that are being rolled out by digital payment platforms. These features were of tremendous assistance during the epidemic. 

In recent times, there has been a rise in the propensity of consumers to purchase day-to-day necessities using payment methods such as UPI transactions. This is not only for consumers but also for retail and retailer businesses; therefore, it is a difficult task for the local businesses to continuously reshape the industry to maximize user experiences.

There is an urgent need for a one-stop payment gateway  integration utility that has minimal code requirements, and it must be able to provide end-to-end digital transaction facilitation as well as bookkeeping.