Mobile shopping and making online payments is gaining ground as the technology advances. This mandates product and service vendors to offer mobile payment capability to their customers. Moreover, it becomes critical to have a payment processing gateway that runs smoothly within your mobile app. So we did our homework and have compiled a list of Payment Gateways for  Mobile Apps.

Not all payment gateways support an authenticated tokenization process, which is required when accepting payments from a mobile app. And if this tokenization functionality is not provided by your Gateway API then you will have to handle the process yourself. So let’s talk about some payment gateways for mobile apps that can let your app process payments for your products that you want to sell through your app.

Image Source: Freepik

Before we get on to the list here’s a fact:

The first and foremost requirement for any service that collects payments are adherence to Payment Card Industry (PCI) compliance standards. The PCI Security Standards Council is a global forum for the ongoing development, enhancement, storage, dissemination and implementation of security standards for account data protection. Anyone who also accepts credit card payments needs to comply with PCI-DSS rules.

So here is the list of the top Indian Payment Gateways For Mobile Apps!

1. CCAvenue

Fast, secure & simply the best multi-currency Payment Gateway for mobile apps, in its most innovative and advanced form with powerful tools to complement your business needs.

Setup Fees: 0 for Startup Pro Plan, Rs. 30,000 for Privilege Plan

Annual Maintenance Fees: Nil

Transaction Fees: From 1.99% + Rs.3 to 2.99% + Rs.3

Setup Time: 3 – 6 Days

Major Users: MakeMytrip, ClearTrip, Naukri, AirAsia, Yatra, redBus, Myntra and Snapdeal

Mobile App Platform: Android, Windows, and iOS

2. Citrus pay

Citrus makes digital payments and online checkout processes simpler, faster, safer and easier for an 800 million strong electronically connected user base, making it one of the top payment gateways for mobile apps!

Setup Fees: Nil

Annual Maintenance Fees: Rs.4900, additional fee of Rs 2800 for international payments

Transaction Fees: From 1.99% + Rs.3

Setup Time: Start Receiving payments after two-step signup and documentation

Major Users: Emirates, Faasos, TinyOwl, LocalBanya, Etihad, Airtel, PVR Cinemas, Healthkart

Mobile App Platform: Android & iOS

3. PayU

PayU provides state-of-the-art payment gateway solutions to online businesses through its cutting-edge and award-winning technology.

PayUBiz

Setup Fees: from Rs. 4900 and go up to Rs. 29000

Annual Maintenance Fees: Rs. 2400

Transaction Fees: between 2.20% to 3.90%

Setup Time: 5 – 7 Days

Major Users: Snapdeal, Jabong, Bookmyshow, Ola, Cleartrip, Redbus, GoIbibo, Zomato

Mobile App Platform: Android & iOS

PayUMoney

Setup Fees: Nil

Annual Maintenance Fees: Nil

Transaction Fees: 2%

Setup Time: 5 – 7 Days

Major Users: ShopClues, Pepperfry, olx, Freecharge

Mobile App Platform: Android & iOS

4. EBS

EBS is the first Indian merchant account provider to achieve the PCI DSS 3.0 standards of compliance. This makes EBS one of the most secure payment gateways for mobile apps.

Setup Fees: From Rs.4799 to Rs. 23999

Annual Maintenance Fees: Rs. 2400

Transaction Fees: From 1.25% to 3.75%

Setup Time: 1 Day

Major Users: BabyOye, Snapdeal, FirstCry

Mobile App Platform: Android & iOS

5. Instamojo

India’s emerging C2C payments & e-commerce platform, making digital commerce universally accessible to create newer opportunities & sustainable livelihoods.

Setup Fees: Nil

Annual Maintenance Fees: Nil

Transaction Fees: 2% + Rs. 3

Setup Time: Instant

Major Users: Snapdeal’s app Shopo, Online Prasad, UrbanClap, YourStory, Next Big What

Mobile App Platform: Android

6. Zaakpay

A unique online payment method for India, Collect credit card, debit card & netbanking payments on the mobile in a flash!

Setup Fees: Starter – Rs. 10000, Express – Rs 30000

Annual Maintenance Fees: Starter 2400 (From the second year),  Express – Nil

Transaction Fees:

3% for Monthly Transaction Value up to Rs.5 lakhs
2.5% for above Rs. 5lakhs

Setup Time: 2 Days

Major Users: disney, explara, home shop 18, Hungama, jabong

Mobile App Platform: Android and iOS

7. Razorpay

Razorpay is an online payment gateway which allows Indian businesses to collect payments online through credit card, debit card, net banking and popular wallets like Mobikwik, PayUmoney etc.

Setup Fees: Nil

Annual Maintenance Fees: Nil

Transaction Fees: 2%

Setup Time: 2 – 3 Days

Major Users: chai point, roadrunnr, papa johns, inner chef, knowlarity

Mobile App Platform: Andriod & iOS

8. Juspay

A team of engineers and designers working passionately to revolutionize digital payments in India with secure, reliable, efficient and cost-effective solutions. Making Juspay one of the right choices of payment gateways for mobile apps.

Setup Fees: Nil

Annual Maintenance Fees: Nil

Transaction Fees: Customized

Setup Time: Instant

Major Users: MakeMyTrip, redBus, Snapdeal, Bookmyshow, Freecharge, Mobikwik, foodpanda, Swiggy, Zoomcar, Spi Cinemas and Voonik

Mobile App Platform: Android

9. QPay India

QPay, through its wide range of services and features, offers e-commerce merchants all the flexibility in accepting online payments. Based in Chennai, QPay serves the entire country.

Setup Fees: Nil

Annual Maintenance Fees: Nil

Transaction Fees: Negotiable, Credit Cards between 2.25% – 5.5%, Debit Cards between 1.25% – 3%, Net banking – 2%- 3%

Setup Time: 3 – 5 Days

Mobile App Platform: iOS, Android & Windows

10. ePaisa

ePaisa enables small and medium businesses (SME’s) to run their businesses more efficiently with same tools as the big businesses use thereby increasing profitability and efficiency.

Setup Fees: 0 – Rs 3,500

Annual Maintenance Fees: Rs. 299 – Rs. 999

Transaction Fees: Debit cards 0.75 – 1.00%, Credit Cards – 1.75%, Wallets – 2.00%,Payment gateway- 2.25%

Setup Time: 3 Days

Major Users: Mega cabs, T’POT, DC design, Delhivery, Dubli, Kinche, Cafeccino

Mobile App Platform: Android

11. Kyash

Kyash is a fully automated and secure system to collect cash payments via a country-wide network of neighborhood shops and offices.

Setup Fees: Rs. 0 – Rs 5000

Annual Maintenance Fees: Rs. 500 – Rs 2500

Transaction Fees: Rs 5 + 2.5%, Rs 5 + 3.5%

Setup Time: A few minutes

Major Users: Nationkart, twikster, magento

Mobile App Platform: iOS & Android

12. BttPay

A leading payment technology company that enables businesses to accept payments online, from startups to the largest global enterprises.

Setup Fees: Nil

Annual Maintenance Fees: Nil

Transaction Fees: 3.8% +$2.00

Setup Time: 48 Hours

Mobile App Platform: Android, Windows & iOS

13. Telr

Telr is the one stop e-commerce solution that provides services critical to the growth of the businesses of all size online merchants

Setup Fees: Nil

Annual Maintenance Fees: Nil

Transaction Fees: Domestic Credit + Net Banking – 2.45% + INR 2, Domestic Debit Cards – 1.25% + INR 2 , International Cards – 2.75% + INR 2

Setup Time: A few days

Major Users: jaiboot, essentially, flower shop

Mobile App Platform: Android & iOS

14. Paytm

India’s largest mobile e-commerce website, Paytm is now offering you a hassle-free solution to day-to-day payment problems.

Setup Fees: Nil

Annual Maintenance Fees: Nil

Transaction Fees: 2.5%

Setup Time: A few hours

Major Users: foodpanda, bookmyshow, gaana.com, uber, makemytrip, jabong, oyo rooms, Fasso’s, Spicejet

Mobile App Platform: Android & iOS

15. 2Checkout

2Checkout is a leading global payment platform that allows companies to accept online and mobile payments from buyers worldwide, with localized payment options.

Setup Fees: Nil

Annual Maintenance Fees: Nil

Transaction Fees: 3.9% + $0.45

Setup Time: Less than 30 minutes

Major Users: Shopify, 3D Cart, aMember, Avactis, BigCommerce, CS-Cart, CubeCart, Ecwid, FreshBooks, Magento, Magic Members, nopCommerce

Mobile App Platform: Android & iOS

16. Paypal

PayPal gives people better ways to manage and move their money, offering them choice and flexibility in how they are able to send money, pay or get paid.

Setup Fees: Nil

Annual Maintenance Fees: Nil

Transaction Fees: 4.4% + US$0.30 + Currency conversions charges

Setup Time: 5 Days

Major Users: shopmatic, freshbooks, shopify, WHMOS

Mobile App Platform: Android & iOS

17. IndiaPay

India’s only Payment Platform for NRI Remittances, E-Commerce Payments and Mobile Cheque Transactions on a website, mobile, IVR and at Point of Sale.

Setup Fees: Flexible

Annual Maintenance Fees: Flexible

Transaction Fees: Credit Cards – 2%+ Rs. 7, Debit card – 0.75% to 1% + Rs. 7

Major Users: IndiaMart

Mobile App Platform: Android

We managed to collect information on 30 payment gateways through publicly available resources and today we have a structured report on all payment gateways in India. Our e-book “The Most Comprehensive Report on Payment Gateways In India” will give you every insight you need about an online payment gateway!
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