Top Payment Gateways for Indian WooCommerce Stores (UPI, Razorpay, Paytm, etc.)
Running an eCommerce store in India means offering your customers a seamless, secure, and convenient payment experience. With WooCommerce, you can easily integrate trusted payment gateways that support UPI, credit/debit cards, net banking, and wallets. In this article, we’ve listed the best payment gateways for Indian WooCommerce stores in 2025 — to help you boost checkout conversions and customer trust.
1. Razorpay Payment Gateway
Razorpay is one of India’s most popular WooCommerce payment gateways, offering complete support for UPI, cards, wallets, and net banking. It’s known for its simple integration and fast settlements.
Key Features:
- Accepts UPI, cards, and wallets
- Instant refund and split payment support
- Recurring billing for subscriptions
- Seamless WooCommerce plugin integration
Transaction Fee: Around 2% per transaction for domestic payments.
2. Paytm Payment Gateway
Paytm is a trusted name in Indian digital payments. Its WooCommerce plugin allows you to accept payments via Paytm Wallet, UPI, and credit/debit cards with instant settlement features.
Key Features:
- Supports UPI and Paytm Wallet
- Quick and simple checkout process
- Instant refunds and settlements
- Supports mobile-first users
Transaction Fee: Around 1.99% + GST per transaction.
3. Instamojo Payment Gateway
Instamojo is perfect for startups and small businesses in India. It offers an easy setup process and works smoothly with WooCommerce without any coding.
Key Features:
- No setup cost or maintenance charges
- UPI, wallets, cards, and net banking supported
- Custom payment links for manual orders
- Built-in analytics and payment tracking
Transaction Fee: 2% + ₹3 per transaction.
4. Cashfree Payments
Cashfree offers one of the fastest settlement systems among Indian payment gateways. It supports a wide range of payment modes and integrates easily with WooCommerce.
Key Features:
- Instant settlements and payouts
- Auto-refunds and subscription billing
- UPI, cards, and wallets support
- Easy reconciliation dashboard
Transaction Fee: 1.75% to 2% depending on payment mode.
5. CCAvenue
CCAvenue is one of the oldest and most reliable payment gateways in India. It supports 200+ payment options, including EMI, net banking, and wallets.
Key Features:
- Supports multiple Indian and international currencies
- EMI payment options available
- 24/7 fraud detection and monitoring
- Detailed transaction reports
Transaction Fee: Around 2% to 2.5% per transaction.
6. PayU Money
PayU is widely used across Indian eCommerce websites for its reliability and smooth checkout experience. It supports UPI and cards, and offers quick refund processing.
Key Features:
- Seamless WooCommerce integration
- UPI and card payment support
- High success rate for transactions
- Customizable checkout page
Transaction Fee: Around 2% + GST per transaction.
7. Stripe Payment Gateway (for Global Stores)
Although Stripe is primarily international, it now supports INR payments and UPI for Indian stores selling globally. It’s ideal for businesses targeting both domestic and international customers.
Key Features:
- Supports INR, USD, EUR, and other currencies
- UPI support in India
- Subscription and recurring billing support
- Advanced fraud protection tools
Transaction Fee: 2.9% + ₹7 per transaction (approx.).
8. PhonePe Payment Gateway
PhonePe is a growing player in Indian digital payments. With its UPI-first approach, it’s gaining popularity among WooCommerce merchants targeting smartphone users.
Key Features:
- UPI-only checkout for faster payments
- Brand trust and reliability
- Integration with WooCommerce via third-party plugins
Transaction Fee: Around 1.8% per transaction.
9. Juspay
Juspay focuses on enhancing the mobile checkout experience. It offers fast and secure UPI-based payments for WooCommerce stores.
Key Features:
- One-click checkout experience
- Advanced fraud prevention
- Integrates with Razorpay and Amazon Pay
Transaction Fee: Depends on business volume and plan.
10. Easebuzz
Easebuzz is an emerging Indian payment gateway designed for businesses looking for flexible billing, EMI, and multi-bank support. It integrates easily with WooCommerce.
Key Features:
- EMI and recurring billing
- Instant settlements
- White-label payment pages
Transaction Fee: Around 2% + GST.
Final Thoughts
Choosing the right payment gateway for your WooCommerce store depends on your target audience, transaction volume, and settlement preferences. If you’re focused on Indian buyers, Razorpay, Paytm, and Cashfree are excellent choices. For global sales, Stripe and CCAvenue offer multi-currency support.
Pro Tip: Always test your checkout process before going live and ensure the payment gateway you choose supports UPI and mobile-first checkout for a smoother experience.
