Payments Technology Trusted by India’s Leading Unicorns

Grow your business with the payment gateway that powers India's largest brands and even the Paytm App
Best Payment Gateway
Best Payment Gateway
Best Payment Gateway
Six powerful reasons to choose Paytm Payment Gateway
Instant activation
Instant activation
Paytm offers 100% online onboarding with minimum documentation to help your business go online with ease
Easy integration
Easy integration
Use Paytm’s robust APIs and custom SDKs to start accepting digital payments in less than 30 minutes using just a few lines of code
Payment sources
100+ payment sources
Allow your customers to pay way they want with support for debit and credit cards, Netbanking, UPI, Paytm Wallet & more
Industry-best success rates
Industry-best success rates
With Paytm’s intelligent routing & direct bank integrations, we ensure that your customers’ payments go through every time
India's most widely-used checkout
India's most widely-used checkout
Over 450 million Indians prefer the Paytm Checkout & you can now give your customers the checkout experience they love
Dedicated support
Dedicated support
All online merchants and payment gateway users on Paytm get dedicated support via a toll-free number and email
Unmatched Scale
100K+
Total Merchants Onboarded
2500+
Transactions/sec Handling Capacity
250mn+
Saved payment instruments
750mn+
Transactions processed in a month
We power India’s biggest online brands
India’s most widely-used checkout, now on your website & app
Checkout
Enhance the payments experience with 250 million+ saved cards, 100 million+ saved bank accounts & 15 million+ UPI IDs
Checkout
Easily integrate the Paytm Checkout on your app or website with just a few lines of code
Checkout
Boost conversions by running offers and allowing your customers to pay via no-cost EMIs
Checkout
Get automatic updates to ensure that you always get the best-in-class technology
For Mobile App/Web
All-In-One SDK
All-in-One SDK
For Desktop
All-In-One JS Checkout
All-in-One JS Checkout
Payments
Go live instantly with payment plugins for your existing systems
Ecommerce Platforms
Business Tools
Leverage tie-ups with over 25 popular platforms to get started instantly
1. Enable all payment sources
Cards
Netbanking
UPI
EMI
Paytm wallet
2. Automated onboarding supported

A powerful dashboard to help you stay on top of your business

A powerful dashboard

Get real-time analytics and customisable reports

Create payment links to accept payments

Create offers and no-cost EMI options

View and manage your settlements

Manage and initiate refunds

Boost your revenue through our range of Affordability Products
Bank Offers
Bank Offers
Run Discount/Cashback offers via Paytm.

Simple configuration on Paytm dashboard

Apply offer applicability rules in real-time

Bank Offers
No-Cost EMI
No-Cost EMI
Induce purchase by providing Zero cost EMI.

Set Zero cost EMI on transaction amount or on specific items on the cart.

Bank Offers
Paytm Postpaid
Paytm Postpaid
Lowest txn failure rates. One click payment. No PIN or OTP.

Customer receives interest free credit upto 38 days, with an option to convert to EMI

Bank Offers
Easy EMI on Cards
Easy EMI on Cards
No additional integration required.
Easy EMI on Cards

All major banks supported

Get the best plans with lowest interest

Bank Offers
Paytm vs Other Payment Gateways
Success Rates
Pricing
Settlement
Robustness of platform
International Payments
Special Value proposition for Tech Startups
Paytm Payment Gateway
Success Rates

Highest success rates driven by:

  • 250mn+ saved cards
  • 100mn+ saved bank accounts and 15mn UPI IDs
  • Paytm’s in-house banking infrastructure
Pricing

Lifetime free on UPI & RuPay (50% + transactions)

Settlement

T+1 settlements. No holidays T : Date of transaction capture

Robustness of platform

Supports 2,500 TPS (transactions per second)

International Payments

Support for 200+ countries & T+1 settlements

Special Value proposition for Tech Startups

Comprehensive solution covering:

  • Free PG
  • Free Payouts
  • Customer acquisition via Paytm Ads
  • Distribution via Paytm Mini App store
  • Benefits on current account and nodal account
Other Payment Gateways
Success Rates

Scale of saved instruments is much lower

  • Rely on external banking partners and hence lower success rates
Pricing

2% charged on UPI & RuPay

Settlement

T+2. No settlements on bank holidays

Robustness of platform

< 1,000 TPS

International Payments

Support for 100+ countries & T+7 settlements

Special Value proposition for Tech Startups

No comprehensive solution

Get the power of Paytm Payment Gateway
Super fast checkouts powered by Paytm
450M+
Paytm wallet users
250M+
Saved cards to ensure faster checkout
100+
Payment methods available
200+
Countries supported for international payments collection
All payment sources at one place
Paytm Wallet
Paytm Wallet
Paytm Payments Bank
Paytm Payments Bank
Paytm Postpaid
Paytm Postpaid
Paytm Postpaid
Gift Voucher
Paytm Postpaid
Food Wallet
Paytm Postpaid
Paytm
Net Banking
Net Banking
All Cards
All Cards
UPI Payments
UPI Payments
Paytm EMI
Paytm EMI
Bank Transfer
Bank Transfer

Robust and easy to integrate SDKs

Robust and easy

Robust and easy to integrate SDKs

Get started with easy to integrate SDKs

Wide-range of platform, hybrid platform and server-side SDKs

Lightweight and self-updating

Get access to premium features bundled together such as Paytm Assist and Visa Single-Click

Collect recurring payments effortlessly

Widest suite of subscription enabled payments sources including UPI Autopay

End to end automation of collections and retries

Build trust by informing users about upcoming debits

Get webhooks for all kinds on status updates

Collect recurring payments effortlessly

Robust and easy
Extend bank offers to your customers
Robust and easy
Run Discount/Cashback offers via Paytm
Robust and easy
Simple configuration on Paytm Dashboard
Robust and easy
Apply offer applicability rules in real-time
Accept international payments in all major currencies
Map
Dollar
EUR
RUB
GBP
YEN
INR
Simplify payments
Simplify payments acceptance from 200+ countries
API
No additional API integrations required
Increase conversions
Increase conversions with real-time currency conversion
Get settlements
Get settlements on T+1 in INR
upi
Leverage the most robust UPI payment rails
circle
Leverage

Let users pay via any UPI app

Best in class success-rates

Advanced 2-click UPI flow for enhanced UX

Supported on all-platforms

UPI Auto-pay also supported

upi
Get complete control over your settlement schedule

Customize your settlement schedule

Choose from - Real time/on demand to split settlements

Get details reports for easy reconciliation

API support to scale reconciliation related operations

settlement schedule
upi
Instant refunds
Don't keep your customers waiting with Paytm’s Instant refunds
dooted
Leverage

Transfer refunds instantly to source account or as per user's request

Robust APIs and webhooks to track refund status

Send bulk or single refunds with a click

Everything you need to accept online payments
Whether you have an App or a Website, we have covered your payment needs on every online platform
settlement schedule
settlement schedule
settlement schedule
settlement schedule
settlement schedule
settlement schedule
settlement schedule
settlement schedule
settlement schedule
settlement schedule
settlement schedule
settlement schedule
settlement schedule
settlement schedule
settlement schedule
Feature-packed Mobile SDKs
Lightweight SDKs that will provide you with the best checkout experience for your customers
All in One SDK

All-In-One SDK

Use the power of Paytm App to support your payments (using App Invoke)

Complete checkout experience with minimum integration effort

Inherit all Paytm payment features including One Tap payments, Bank offers, EMI subvention, etc

Custom UI SDK

Build a customized checkout experience for your customers

Use the advantage of single sign on API to make quick payments

Allow Paytm payments within your App with just one click

Custom UI SDK
Seamless integrations across platforms
With plugins for over 25 e-commerce platforms and server side SDK support, integration with Paytm becomes a cakewalk
Easy to consume plugins for popular e-commerce platforms
shopify
woocommerce
opencart
magento
prestashop
sccart
Get started with our server-side SDKs
Ditch the hassle by embracing Javascript
Ready to use pre-built code snippets that let you access Paytm's Javascript library for a seamless, cross-platform integration
Platforms Supported
opencart
Website
opencart
Android
opencart
iOS
opencart
React Native
opencart
Angular JS
opencart
Ionic
opencart
Flutter
opencart
Xamarin
opencart
Cordova
Readymade checkout in a modal
All-In-One JS Checkout
 Readymade checkout
Build your own checkout with pre-built UI elements
All-In-One JS Elements
 All-in-One JS Elements
Custom Checkout solution
Power your own payments experience with our powerful APIs
Custom Checkout solution
powered
Use Paytm powered APIs to build a checkout flow as per your requirements
powered
Integrate and develop payment sources directly into your website or App
powered
Robust API based solutions which are easy to integrate and 100% secure
We Take Pride in our Client’s Success
Naveen Pulwani
Naveen Pulwani
Head Ecommerce, Titan Group
Powerful dashboard to manage reconciliation and refunds
TITAN Group uses Paytm as a preferred payment gateway, their powerful Dashboard power payments at scale, also a very dynamic & real-time analytics dashboard panel, a first-of-its-kind feature that allows automated reconciliation & function of refunds instantly.
Kunal Chaurasia
Kunal Chaurasia
Product Head, Cure Fit
Outstanding success rates and speed of payments
Paytm has been the preferred Wallet & Payment gateway for cure.fit day one. Their focus on improving the success rate & reducing the time to complete payments make them stand out.
Amit Grover
Amit Grover
VP - Marketing Playship
Swift integration with great support
Onboarding experience for Playship was good and the Paytm integration handled swiftly. What we like the most is that the integration team is supportive and responds quickly to technical queries.
Suhas A R
Suhas A R
Marketing Manager Career Launcher
Paytm has helped us in providing all kind of payment options for wallets to
Credit cards supporting all cards from Rupay to Amex. This has helped us grow our online business immensely.
Lohit Gupta
Lohit Gupta
Marketing Alliances Grofers
We are delighted to have Paytm as our leading payment partner!
Paytm’s powerful dashboard provides end-to-end automated reconciliation and settlement reports. We also work together closely to provide innovative campaigns for our users.
Other Products by Paytm All-In-One Payments
Paytm Subscriptions
Paytm Subscriptions
Support recurring payments
Paytm Links
Payment Links
Collect payments via links sent over SMS/email/Whatsapp
Split Settlements
Split Settlements
Route payments directly to sellers
Custom Checkout
Custom Checkout
Power your own payment UI
Pre-Auth Capture
Pre-Auth Capture
Authorize transactions before order or transaction amount gets confirmed
Auto-Debit
Auto-Debit
Single click checkout after one-time account linking
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Ready to embark on your payments journey?
Create an account and start accepting payments instantly.
Frequently Asked Questions

What is a payment gateway?

A payment gateway is a tool that enables businesses to accept payments online from anywhere via different channels and devices. It helps in receiving payments from the customers online and acts as a link between their bank account and that of the merchants. Furthermore, it authorizes a merchant to conduct a payment transaction through payment sources, like net banking, debit card, credit card, money wallets, and UPI.

How does Paytm payment gateway work?

A payment gateway supports online payment transactions by securing sensitive information like bank and card details provided by the users. Here is how it works:

  • Once customers place an order on a website or app and clicks ‘Pay Now’, they are redirected to a payment gateway where they enter required details.
  • Paytm All In One payment gateway then securely sends the card details to the acquiring bank. The issuing bank then receives these details for approval.
  • After performing fraud checks, the issuing bank sends the approval or decline message to the acquiring bank.
  • The acquiring bank then sends an approval or decline message to the payment gateway.
  • If the payment is approved, the acquiring bank accumulates the payment amount from the issuing bank and keeps the funds in the business owner’s merchant account.
  • The funds are then transferred to the bank account of the business owner, thus completing the settlement process.

Why should you choose Paytm payment suite?

Paytm All In One Payment suite comprises a wide range of payment products each of which can support your business in accepting digital payments. These include:

  • Payment links
  • Subscriptions
  • Express payments
  • Large payment collections

What are the payment gateway charges?

We do not charge any setup or annual maintenance fee to our merchants to use our payment gateway. Please refer to the Paytm All In One Payment Gateway Pricing page for more details.

How to integrate Paytm payment gateway on my website? Which platforms does it support?

The process of integrating Paytm payment gateway is quite easy. You can use developer-friendly APIs for seamless integration and start accepting online payments. Paytm All In One Payment Gateway is usable across desktop, mobile web, and Android/iOS devices.

What payment modes are supported by Paytm payment gateway?

Paytm supports the widest range of payment sources, including Credit and Debit Cards (Visa, Mastercard, AMEX, Rupay, Diners), Net Banking from top 50+ banks, UPI, Online Wallets, EMIs (Credit/Debit Cards & Cardless), and Paytm Postpaid.

I sell products to both Indian & international customers. Is Paytm All In One Payment Gateway the right choice for me?

You can accept payments online from Indian as well as international customers using Paytm All In One Payment Gateway. It does not require additional APIs for international payments and real-time currency conversion.

Which type of businesses does Paytm PG support?

Paytm PG is highly valuable for individuals handling small or big businesses, e-commerce shops/apps, local vendors, freelancers, educational institutions, and more.

How is Paytm All In One Payment Gateway different from the Paytm Wallet?

Paytm All In One Payment Gateway helps businesses accept online payments from customers. Thus, it is a service employed by an online business and does not directly account with the end customer. Paytm Wallet is a payment instrument in which customers can deposit money and utilize it on online websites that support the Wallet. Being one of the best payment gateways, Paytm All In One Payment Gateway provides support for various payment sources from UPI to Debit/Credit Cards, Net Banking, Paytm Wallet, Paytm Postpaid, and even EMI.

What is the success rate of Paytm Payment Gateway?

The transaction success rate of a payment gateway refers to the proportion of attempted transactions that ended with a successful payment transfer. The transaction success rate of a payment gateway depends on a number of factors like network integrations, tech infrastructure, nature of business, etc. Thanks to Paytm’s intelligent routing, direct bank integrations, saved cards and UPI IDs, Paytm Payment Gateway is able to ensure industry-high success rates.

Does Paytm Payment Gateway have a transaction limit?

The monthly transaction limit of Paytm Payment Gateway is defined on the basis of various factors like line of business, documents submitted, website or app readiness, etc. We set the limit after carefully evaluating all parameters for each merchant. But Paytm Payment Gateway does support 2,500 transactions per second, which ensures that there are no drop-offs for you even during high-volume times.In comparison, other payment gateways support < 1,000 transactions per second.

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Accept Payments Via Multiple Channels With Paytm All in One Payment Gateway

Paytm Payment Gateway enables users to accept payments from anyone, anywhere, from all channels and devices. It is the best Indian payment gateway that lets businesses collect customer payments via website, handheld devices like mobile and tablets, and social apps like WhatsApp, Facebook, or via email and SMS.

What more? No matter which channel your customers choose to make the payment, they all get reconciled in one place, and that is your Paytm Payment Gateway merchant dashboard.

Grow Your Business With Paytm All in One Payment Gateway

Our Online Payment Gateway offers the best features to help businesses deliver a great payment experience to customers and retain them forever

  1. Accepts Extensive Set Of Digital Payment Sources By choosing to add Payment Gateway by Paytm, you can offer your customers a wide range of payment sources from UPI to Debit/ Credit Cards, Net Banking, Paytm Wallet, and even EMI.
  2. Secure Payments For Your Business Our anti-fraud technology powers the Paytm Payment Gateway process to keep your business safe and PCI-DSS compliant with 128-bit encryption.
  3. Convenient Checkout With Saved Cards Functionality Our All in One Payment Gateway offers an easy-to-integrate checkout system that lets you save cards across businesses, saves your customers from the hassle of filling their details repeatedly, and enables instant payments.
  4. No Need For Opening A New Bank Account For Settlements With Paytm Payment Gateway integration, you can choose the bank account where you want all your payments settled by simply providing the bank account details.
  5. Powerful Merchant Dashboard Empowers You To Do More Paytm's powerful Merchant Dashboard is perfect for monitoring the performance of your business. It allows you to view and manage payments received, bank settlements, refunds, etc. With its intuitive interface, you can easily streamline your payment process. Also, it gives you access to critical payment statistics and real-time reports.
  6. Developer-Friendly Payment Gateway Integration Our Payment Gateway for websites offers checkout API integration for your existing website and lets you receive payments seamlessly in your Android or iOS apps.

Payment gateway platforms in India

There are many payment gateway platforms in India. Paytm Payment Gateway is one of them, which is trusted by some of India’s biggest unicorns. Paytm Payment Gateway also powers the Paytm app. A payment gateway platform like Paytm Payment Gateway can help businesses accept online payments through their website or app.

A good payment gateway platform supports payments acceptance through numerous payment sources like credit card, debit card, UPI, netbanking, Paytm Wallet and more. When a business is choosing a payment gateway platform, they should consider factors such as payment sources, transaction success rates, transactions per second (TPS), pricing, international payments acceptance, etc.

Best payment methods to accept online payments

An online business can accept payments from their customers through various payment methods like credit card, debit card, netbanking, UPI and wallets. The best payment methods to accept payments depend on the preferences of your customers.

For example, as more and more Indians use UPI, you must ensure that your business is also able to accept online payments through UPI in an easy and pocket-friendly manner. Paytm Payment Gateway is the only payment gateway in India that allows you to accept UPI payments at 0% fee.

Similarly, Paytm Wallet is also a prefered payment method of millions of Indians. You can use Paytm Payment Gateway to accept payments through Paytm Wallet as well.

Integrating or adding online payment gateway on websites

A payment gateway can help a business accept online payments on their website. A good payment gateway supports integration for all types of websites, whether they are built on custom platforms or platforms like Shopify, WooCommerce, Magento, etc. The integration process of Paytm Payment Gateway is simple and easy-to-follow. Paytm Payment Gateway supports 25+ e-commerce platforms and also has a Javascript library that can be used.

Free online payment gateway in India

Pricing is an important factor to consider when choosing an online payment gateway in India. A free payment gateway means that there should be no setup or annual maintenance fee for your business. You should be able to integrate a payment gateway at zero costs and then pay only for the transactions that take place.

Paytm Payment Gateway is the most cost-effective payment gateway in India. It has zero setup fees and no annual maintenance costs. Paytm Payment Gateway’s pricing is also the lowest in the industry. It is the only payment gateway that offers 0% MDR on UPI and RuPay debit cards.

Add Payment Gateway In your Website

The steps to add a payment gateway in your website vary from one gateway to another. For Paytm payment gateway, the steps are quite simple and are defined as follows:

  1. Up your online store: Third-party software handles the creation of the ordering page and all the code for transferring payment information to the gateway. Making this code from scratch is an advanced web development task.
  2. Add payment sources: Insert your payment gateway information for the payment source you plan to accept (Visa, Mastercard, etc.). Your payment gateway determines which cards are accepted.
  3. Test the payment gateway: You will typically be provided Sandbox or Test accounts by the payment gateway. These let you make sample transactions to make sure that the process you’ve set for receiving payments is working smoothly. Check your payment gateway's support site for details on testing your payment gateway integration.

Different Types of Payment Gateway for Your Business

There are several types of payment gateways available for businesses, each having a unique payment mechanism. Some of them are:

  1. Hosted Payment Gateways lead your customer away from your site's checkout page, i.e., when a consumer clicks the gateway link, they are redirected to the online Payment Services Provider or the PSP page.
  2. In Self-Hosted Payment Gateways, payment details are gathered from the customer within the business website itself. After the details are requested, the details are sent to the payment gateway's URL.
  3. In API-Hosted Payment Gateways, customers enter their credit/debit card information directly on the website’s checkout page. Payments are then processed using HTTPS queries or an API (Application Programming Interface).
  4. Local Bank Payment Gateway Integration redirects the customer to the payment gateway's website (the bank's website) to insert their payment details and contact details and make the payment.

Leverage The Paytm Advantage

  1. Free Payment Gateway Account Setup
  2. Real-Time Bank Settlement
  3. No Annual Maintenance
  4. Online Submission Of Business Documents Supported
  5. 50+ Banks Supported For Net Banking
  6. Email & Phone Support

Choosing the best payment gateway in India

There are many factors to consider when choosing the best payment gateway for your business in India. Some of these factors include:

  1. Pricing
  2. Transaction success rates
  3. Ease of integration
  4. Payment sources supported
  5. Settlements
  6. International payments
  7. Extended services like links and subscriptions

Paytm Payment Gateway stands out in all of these factors. You can choose the best payment gateway for your website or app by going with Paytm Payment Gateway. You get the lowest pricing, best success rates, easiest integrations, all payment modes, T+1 settlements, international payments from 200+ countries and a lot more.

GST applicability on payment gateway charges

MDR refers to the charges that a merchant has to pay to a payment gateway to accept online payments. Different payment sources have different MDR or charges. GST is also applicable to this MDR. You can view detailed pricing of Paytm Payment Gateway by going to our pricing page.

Integrating or adding online payment gateway on apps

A payment gateway can help businesses accept online payments on their app. A good payment gateway will support apps on Android and iOS. Paytm Payment Gateway has feature-filled mobile SDKs that allows easy integration and superfast checkout experience. Paytm Payment Gateway has an easy integration process that will help you take your business online quickly.

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