The wrong payment gateway costs you sales through failed transactions, high fees, and missing UPI support. Here's the complete comparison for Indian e-commerce.
Payment gateway selection is one of the most consequential decisions in e-commerce website design India — the wrong choice results in payment failures that directly translate to lost revenue. India's payment landscape is unique: UPI dominance, low card penetration relative to global averages, and a regulatory environment that requires specific compliance from payment processors.
Razorpay: The Indian Default
Razorpay is our default recommendation for Indian e-commerce — built specifically for India's payment landscape with deep UPI integration, automatic retry logic for failed transactions, powerful dashboards, and a developer API that is genuinely excellent. Success rates consistently outperform international gateways for INR transactions. Pricing: 2% per transaction (UPI and cards), zero setup fees. Their smart routing automatically selects the highest-success-rate payment processor for each transaction type.
Stripe: The International Commerce Choice
Stripe is the superior choice when processing international payments — their global acquirer network and multi-currency support are unmatched. For Indian businesses selling to global customers, a Stripe + Razorpay combination (Stripe for international, Razorpay for domestic) gives optimal success rates across all markets. Our web development company India team implements dual gateway routing logic that is transparent to customers but dramatically improves payment success rates.
