Best Payment Gateways Integrated with UPI: A Comprehensive Review

Unified Payments Interface (UPI) has revolutionized the digital payment landscape in India, offering a seamless and instant way to transfer funds. As businesses increasingly shift towards online transactions, integrating UPI with payment gateways has become imperative. This article aims to delve into the top payment gateways that support UPI integration, highlighting their features, benefits, and suitability for various business needs.

Understanding UPI and Payment Gateways

Unified Payments Interface (UPI) is a real-time payment system developed by the National Payments Corporation of India (NPCI). It allows users to instantly transfer funds between bank accounts using their mobile phones with a single identifier, simplifying transactions.

Payment gateways are platforms that facilitate secure online transactions by enabling communication between various stakeholders involved in the payment process, including merchants, banks, and customers. Integrating UPI into payment gateways provides users with an additional and convenient payment option.

Top Payment Gateways with UPI Integration

1) Razorpay – My best payment gateway

  • Features: Razorpay is a leading payment gateway in India that supports UPI payments. It offers easy integration, comprehensive developer APIs, and features for recurring payments.
  • Benefits: Razorpay provides a smooth checkout experience, extensive currency support, and robust security measures.
  • Suitable For: Small to large-scale businesses, e-commerce platforms, subscription-based services.

2) Paytm Payment Gateway

  • Features: Paytm Payment Gateway supports UPI transactions along with other payment modes. It offers QR code-based payments, easy checkout, and a wide user base.
  • Benefits: Seamless integration, advanced fraud detection, and a user-friendly interface.
  • Suitable For: Retailers, service providers, e-commerce websites.

3) Instamojo

  • Features: Instamojo is known for its user-friendly interface and supports UPI payments. It caters to small businesses, freelancers, and entrepreneurs.
  • Benefits: Quick setup, zero setup fees, and integration with multiple payment options.
  • Suitable For: Small businesses, individual sellers, content creators.

4) Cashfree

  • Features: Cashfree offers UPI payment solutions for businesses, providing APIs for integration, subscription billing, and multi-currency support.
  • Benefits: Easy-to-use dashboard, comprehensive documentation, and robust security features.
  • Suitable For: Enterprises, e-commerce platforms, SaaS businesses.

5) CCAvenue

  • Features: CCAvenue is a popular payment gateway that supports UPI transactions. It offers a range of payment options, advanced analytics, and multi-currency support.
  • Benefits: Wide range of integrations, marketing tools, and excellent customer support.
  • Suitable For: Online merchants, service providers, subscription-based businesses.

Choosing the Right Payment Gateway with UPI Integration

Selecting the most suitable payment gateway with UPI integration depends on several factors:

  1. Business Type and Scale:
    Consider the nature and size of your business. Some gateways cater better to small businesses, while others offer enterprise-level solutions.
  2. Integration Ease and APIs:
    Evaluate the ease of integration and the availability of developer-friendly APIs that align with your technical capabilities and requirements.
  3. Security Measures:
    Prioritize gateways that offer robust security features, ensuring the safety of transactions and customer data.
  4. Transaction Fees and Pricing:
    Compare transaction fees, setup costs, and additional charges to find a gateway that aligns with your budget and revenue model.
  5. Customer Support and Reputation:
    Assess the quality of customer support and the reputation of the payment gateway, considering reviews and experiences of other users.

FAQS – Frequently Asked Questions

  1. Q: What is UPI integration in payment gateways?
    • A: UPI integration in payment gateways allows users to make seamless and instant transactions using the Unified Payments Interface (UPI) platform, providing a convenient and secure payment option.
  2. Q: Are these payment gateways suitable for small businesses?
    • A: Yes, several options like Instamojo and Razorpay cater specifically to small businesses, offering easy setup, user-friendly interfaces, and low transaction fees.
  3. Q: Can I accept UPI payments on my e-commerce website using these gateways?
    • A: Absolutely, payment gateways like Paytm, Cashfree, and CCAvenue support UPI transactions, making it easy to integrate into e-commerce platforms.
  4. Q: Do these gateways offer multi-currency support for international transactions?
    • A: Yes, some gateways like Cashfree and CCAvenue provide multi-currency support, enabling businesses to accept payments in different currencies.
  5. Q: How secure are these payment gateways for UPI transactions?
    • A: These gateways prioritize security measures, employing encryption and robust fraud detection mechanisms to ensure safe UPI transactions.
  6. Q: Can I receive recurring payments through UPI using these gateways?
    • A: Yes, gateways like Razorpay and Cashfree offer features for recurring payments, allowing businesses to set up subscription-based models.
  7. Q: Are there setup fees or hidden charges for integrating UPI with these gateways?
    • A: Some gateways, like Instamojo and Razorpay, offer zero setup fees, while others may have nominal charges. Review the terms for specific details.
  8. Q: Is technical support available for integrating UPI with these payment gateways?
    • A: Yes, these gateways provide technical documentation, developer APIs, and customer support to assist with integration and troubleshooting.
  9. Q: Can individuals or freelancers use these gateways for receiving payments through UPI?
    • A: Absolutely, platforms like Instamojo cater to individuals, freelancers, and entrepreneurs, offering easy setup for receiving payments.
  10. Q: How quickly can I start accepting UPI payments after integrating with these gateways?
    • A: The setup process varies but is generally straightforward. Once integrated, businesses can start accepting UPI payments almost immediately.


The integration of UPI with payment gateways has significantly transformed the landscape of digital payments in India, offering convenience, speed, and security for online transactions. From Razorpay’s comprehensive features to Paytm’s wide user base and Cashfree’s multi-currency support, each payment gateway presents unique offerings suited for different business requirements.

When choosing the best payment gateway with UPI integration, businesses must consider their specific needs, scalability, security measures, and overall compatibility with their existing systems. With the right choice, businesses can streamline their payment processes, cater to a broader customer base, and foster trust and convenience in online transactions.

Written by


Nandesh Katenga is a versatile individual with a passion for the digital realm. With a background in computer programming and a strong interest in sales, marketing, website development, personal finance, and blogging, Nandesh offers insights and expertise. Expertise: 1. **Computer Programming:** Nandesh excels in problem-solving through coding, from crafting innovative software solutions to dissecting complex algorithms. 2. **Sales and Marketing:** Nandesh masters the art of selling and the science of marketing, helping boost product visibility and devising sales strategies. 3. **Website Development:** Nandesh's specialty is creating seamless digital experiences that not only look great but function flawlessly. 4. **Personal Finance:** Your financial well-being is Nandesh's focus, and they provide tips and tricks for smart money management, wise investments, and securing your financial future. 5. **Blogging:** Nandesh uses writing as a creative outlet to share knowledge and insights, keeping you updated on technology, business, and personal finance trends. Let's explore the digital world together. Feel free to reach out to Nandesh for questions or collaborations. Your success is their priority in this ever-evolving digital landscape.

Leave a Comment

We would like to keep you updated with special notifications. Optionally you can also enter your phone number to receive SMS updates.