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Comparison of payment gateways in India

If you are an Indian startup and you have an e-commerce component to your application, you will need to
review, evaluate and shortlist a payment gateway that can handle online payments via credit and debit cards.
And most likely this will not be an easy or fast process. In its current form, there are just a handful of
payment gateway service providers in India. Access to information related to a few them is non-existent on
the web.
I’m hoping that this post will help folks to do an easy and quick comparison between the various service
providers.
Before we move on to the comparison, let’s consider some of the criteria that are important while evaluating a
payment gateway:
1) Cost:
All payment gateways have an intial setup cost and then charge a small percentage of the transaction. Few
have an annual maintainence cost (AMC) as well. The initial setup cost is a one time charge only and is mostly
non-refundable. The annual maintainence cost is an annually recurring charge. The transaction cost (TDR) is
charge per transaction and is generally anywhere between 4-7% of the transaction amount. The higher the
volume, the more you can negotiate the transaction cost.
2) Support:
How helpful and responsive is the service provider when you run into a problem ? Do they provide off hours
support ?
3) Chargeback policy and disputes:
What is the policy for chargebacks and refunds ? What is the policy for disputes ?
4) Ease of Integration:
Does the service provider provide an easy way to integrate the gateway into your app ? Do they provide
alternate means for integration if tomorrow your architecture changes for some reason ?
Beyond these basic criteria, you’ll also need to consider additional factors (depending on your requirements)
like – what credit cards / banks are supported by the payment gateway ? Do they provide mobile banking
startupdunia.com/…/comparison-of-p… 1/125
option ? What is their rate of successful transactions etc ?
One often raised point is why not use PayPal as your payment gateway ? After all, they provide a great API
for integration, there are plenty of code samples already available and their rates are quite competitive.
Well, the reason why PayPal may not suit everyone’s requirements is because they do not provide you the
option to charge customers in Indian Rupees. If using one of the PayPal supported currencies meets the
requirements of your app, great. If not, you’ll need to consider using a payment gateway that will allow
payments in Indian Rupees.
So, here’s a comparison of the major Indian online payment gateways (had to publish as a PDF since the
spreadsheet wont fit on the blog). The list includes a comparison of CCAvenue, DirecPay (operated by
TimesMoney group), EBS (collaboration with Axis bank), ABC Payments (operated by IndiaMart), HDFC,
ICICI Payseal and Transecute.
The troublesome part of it was trying to locate the correct pricing plans for the various payment gateways,
especially for DirecPay, HDFC and ICICI. DirecPay, HDFC and ICICI for whatever stupid reason choose
not to list their pricing plans on their websites. You need to contact them via email or snail mail (ICICI) with
your business details and only then, based on the nature of your business, transaction volume etc. do they
send you a pricing plan. Sheer incovenience — I mean, so much ground work to simply get info on their
pricing plans ? Its been 3-4 days since I emailed DirecPay and HDFC for details about their plans and am yet
to hear back from them. I fail to see why they dont provide a simple price info on their website rather than to
go through this archaic process.
The comparison document is by no means complete just due to the sheer difficulty in locating correct
information on the web. I’m keeping this document ‘live’ – in the sense that if you have any input / update
suggestions to add any additional payment gateway to the list or to update info related to any of the ones
already listed in the document, please send them in to me and I will continue updating the document.
So which payment gateway should an Indian startup use ?
To begin with, you should obviously analyse the various payment gateways on some of the criteria that I listed
above. On top of that, if you need to review data related to the success rate, average time to refund etc. for
some of these gateways, I would suggest reviewing the statistics revealed by IRCTC – India’s biggest e-
commerce site. They release monthly data related to transactions and payments, which includes how much
each payment gateway contributed in terms of number of transactions, the amount contributed by each as
well as the number of days to refund etc. For instance, only 53% of the transactions using the HDFC gateway
completed successfully while ICICI gateway handled 17% of all the transactions that were done on the
IRCTC website. The data also provides great insight into what are some of the main banks / debit cards
being used by customers. For instance, 8.10% of all net banking transactions were attempted by ICICI
customers while only 0.32% of all transactions were done by Bank of India customers.
Based on my research, if I were to use an Indian payment gateway today, I would personally go with either
CCAvenue or EBS – for the simple reason that they make it very easy to get the needed information, have
good online documentation and support wide range of credit/debit cards. In case of the other providers, its
like a black hole – you try to seek out information and become a customer — and they try to make it that
much harder to access that information.
If you have used / worked with and Indian payment gateway, I’d like to know how your experience has been
? If you were to recommend one to others, which one would it be ?
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This entry was posted on Thursday, April 2nd, 2009 at 2:14 pm and is filed under India Startups. You can follow any
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464 comments
1. Sharad
April 2, 2009 at 11:53 pm
Pranav,
we use both direcpay & ICICI payseal.
your numbers are a little way-off in terns of transaction charges. But that might me since you looked
them up via the web Vs talking to these guys.
direcpay – is great for its netbanking options / debit cards. they even power google ad words.
ICICI/ any direct bank – generally offers you lower transaction charges – and also greater control on
what appears on your customer’s credit card statements to reduce charge backs.
payseal/ hdfc are big strong players & do have their policy’s / norms which one must adhere to – as
they are very strict on the merchants business / profile. So the approval process does take months.
few things to keep in mind
Reply
Anant Bhavsar
April 3, 2009 at 5:06 am
you can also check out with atom technologies for IVR ( Interactive Voice Response ) based
payment solution, which enables you to accept the credit card, debit card and prepaid cards
payments over the phone without any manual intervation.
Tata Sky, Sun TV, Dish TV, Indiatimes Travel, Akabar Travels are using their platform… for
processing payments over the phone.
Reply
rahul bhardwaj
October 11, 2009 at 4:22 am
dear Anant,
Tell me the procuder to get IVR…?

thank you.
Reply
pranav
April 5, 2009 at 11:20 am
Sharad,
I agree — the prices can definitely be negotiated — the info i have gotten is all from the web.
if the approval process for icici / hdfc ends up taking months, it doesnt really suit startups pretty
well — does it ? It would basically mean either pre-plan and apply ahead of time or wait till the
approval comes around.
-p
Reply
Sharad
April 7, 2009 at 8:16 am
@Pranav
yes – its always helpful to pre-plan.
In our case we started up with Direcpay – quick n easy. While the application for ICICI
was being processed.
Sometimes a 3% transaction charge diff ( 3% — Vs 6% CC avenues ) – might make a

sea difference
Reply
Abhijan Nandy
Hey Sharad,
CCAvenue is charging us 2.75% accross all their 50+ options plus their IVR
solutions.
Reply
Manish Sagathia
December 12, 2010 at 6:41 am
Hi Abhijan
Please how did you got CCAvenue charging u 2.75% accross all their 50+
options plus their IVR solutions.
Where given below is the scheme plan provided to me by ccavenue, and

here 3% is the lowest per transection charges by credit card in Rs.40.000/-
one time non refundeble plan
you can mail me at sagathia@gmail.com
Type of Scheme Set Up fees Annual Software Maintenance MasterCard/

Visa/ Diners/ Debit Cards (TDR rate**) AmEx / JCB / ITZ Cash / Net
[One time, Non Refundable] Cost (ASMC)*** Paymate (TDR rate**)
Banking
(TDR rate**)
Privilege Scheme Rs. 40,000/-* Rs. 3600/-*
3%* 5%* 4%*
Premium Scheme Rs. 25,000/-* Rs. 2400/-* 5%* 5%* 4%*
Economy Scheme Rs. 7,500/-* Rs. 1200/-* 7%* 7%* 4%*
Abhishek Gupta
January 4, 2011 at 6:42 am
Hi Abhijan,
Please mail me too for how you got such a nice deal from cc_avenue
email: chillyshek82@gmail.com
Thanks
Abhishek
Prabhjot
March 6, 2011 at 3:37 pm
Dear A Nandy,
How to get the lowest TDR 2.2% rates from CC avenue, we are currently
enrolled for Plan 7500/- wih usual TDR.
Would be glad to receive details at learningratnas@gmail.com
Warm Regards
Prabhjot
93-1130-1389
Dipesh Saluja
April 26, 2010 at 2:02 am
Hi Sharad,
Hope you are having a great time. Is it possible for you to contact me personally. I
need to talk to you regarding payment gateway.
I will be thankful to you if you do so.
Contact no : 9312109993
5/18/2011 Contact noComparison of payment gateways in I…
: 9312109993
Reply
Vikrant
Hi Sharad,
Please visit
http://www.cyberastrotechnology.com/payment-gateway.asp
Regards,
Vikrant
Reply
Jash Laing
March 25, 2010 at 5:03 am
I have been recently discussing payment gateway solutions with http://www.development-

india.com and they have assured me time after time that there are no transactional fees, annual
fees – it is a one time set-up cost and that is all.
I was interested to know how this works, and is there a catch which I am not seeing??
Thank you
Reply
Cyberastrotechnology.com
Hi Sharad,
You are true,

ICICI /HDFC are big strong players & do have their policy’s / norms which one must adhere to
– as they are very strict on the merchants business / profile. So the approval process does take
months and charging BIG amount as security.
Here, we are providing payment gateway in very less price for SME’s (Small & Medium
Enterprise) who can not effort to have payment gateway from them.
Please visit
Regards,
Vikrant
Reply
touhid
February 5, 2011 at 3:09 am
hey,i am currently working on an online shopping website..so what payment gateway should i
use?what do u think?
Reply
2. jo
April 3, 2009 at 12:36 am
Thank you. this information is very useful to me,
Reply
Vikrant
Hi,
I have been recently discussing payment gateway solutions & Charges – We assured you all –
One time setup fee- NO ANNUAL Charges/ NO other charges. What ever amount you will
receive we will deduct transaction charges from the receiving amount.
You will interested to know how this works. It is very transparent for every one.
Please visit
Regards,
Vikrant
Reply
Ravi
You said there are no other charges but…Your site says…7.5% transsaction charges….
Reply
Thanks Jo,
Please visit
Regards,
Vikrant
9891692294
Reply
Thanks Jo,
Please visit
Regards,
Vikrant
09891692294
Reply
3. Vaidy
April 3, 2009 at 2:11 am
So much of useful info. Thank you so much!
Reply
Thanks Vaidy,
Please visit
Regards,
Vikrant
09891692294
Reply
Reply
4. Vivek
April 3, 2009 at 3:07 am
You probably missed a fast growing one – BillDesk. Quite a few companies (TataSky, Barclays,
Vodafone etc ) are using it. I was strongly recommended to check them out due to their ease of
integration and support.
Reply
pranav
April 5, 2009 at 11:49 am
isnt that for payments using net banking only ? I dont think there’s an option to pay by credit
cards in their service.
Reply
Santhanam
April 9, 2009 at 8:30 am
Dear Pranav / Vivek,
Just an Update. Even i was thinking that Billdesk.com provides bank ECS based
payment service for Post Paid bills.
But today when i checked with http://www.oxigen.com , i could find that some of the
sections are powered by billdesk.com
((http://210.210.24.66/oxicash_instapay/index.htm) .
Hope that people who have used oxigen’s service will share their experience.
Thank You
With Regards
Santhanam
Reply
Yes Pranav,
You are right…
Please visit
In this…. All VISA & Master Cards are accepted it can Debit Or Credit Cards inssued
by any National Or International Bank.
Regards,
Vikrant
09891692294
Reply
Santhanam
April 6, 2009 at 12:48 pm
Dear Pranav / Vivek,

I was personally using billdesk.com services for some time.
According to my understanding about billdesk.com, it requires an ECS mandate to your Bank

Account for paying bills(mostly, if not all of Post paid category). We cannot use that for making
ecommerce payments.
Normally service providers like Telecom companies, Utility companies & Insurance companies
give their subscribers a facility to pay using separate ECS mandate in favour of each company.
Instead, in billdesk.com, we give only one ECS mandate in favour of billdesk.com and it uses
that ECS mandate for paying any number of service providers we choose. Of course as you
know ECS mandate can be given for banks without net banking facility also.
Only advantage is that we are able to consolidate all our post paid bills.
One major disadvantage (personally faced by me) is that even though the billdesk’s due date is
prior to the service provider’s due date, but due to delay in billdesk’s payment to service
provider, the service provider normally charges fine for our payment (which we might have
made to billdesk.com before the actual due date).
In conclusion, billdesk.com = one ECS Mandate = Many service providers(Mostly post paid
type). It’s is not an Online payment gateway.
Thank You
With Regards
Santhanam
Reply
himanshu
March 5, 2010 at 6:40 am
To clariify for BillDesk :-
All preferred payment touch points.

Unified platform, Aggregation benefits.
BillDesk offers all the payment touch points
that your customers seek. Our solutions are
designed to cater to the needs of different
customer segments. BillDesk solutions cover
the full spectrum of billing and payment touch
points — from the traditional method of
receiving and paying bills in person, and by
phone to complete paperless online billing and
payment using either a bank or your website —
solutions that help you meet your customers’
solutions that help you meet your customers’
convenience expectations..Within each payment touch point, BillDesk delivers a proven,
flexible solution that supports a full range of file formats and MIS
requirements. Depending on the payment
channel the customer prefers, BillDesk offers a
variety of payment choices such as cash, Cashcards,
banking accounts, debit card and credit card…
1.View and Pay Online at Your website.
2.View and Pay Online at Bank sites.
3.Pay By Phone.
4.Pay Automatically through Standing
Instructions on Bank or Card account.
5.Pay in Person-BillDesk offers a Walk-In Bill Payment Service that extends the number
of payment
touch-points that you can offer Your customer
to make their bill payments – in cash or using
a card account
Reply
RP
January 5, 2011 at 3:18 pm
We would like to add your payment gateway to our site. Please send us your
quotes to us.
Reply
Abhilash
I have been trying to call BillDesk customer support telephone number for the past
few days to get more details on their charges, but they did not pick up my call. So,
I wonder what the quality of service would be.
Reply
Anu Bharara
February 18, 2011 at 2:11 pm
Maybe the worst would be Billdesk, we are having huge problems, everyone is either on leave
or quitting jobs. It was cheap to start with but I would be happy if CC Avenue could give us a
better offer, I would switch today. There should be some regulatory body looking into all this
and also some complaint redressal. This is a company which sleeps half the time.
Reply
5. Anant Bhavsar
April 3, 2009 at 4:41 am
I think you also missed the atom technologies, which is a part of Financial Technologies . Financial
5/18/2011
I think Comparison
you also missed the atom of payment
technologies, whichgateways
is a partinofI…Financial Technologies . Financial
technologies ltd, a company listed on the NSE and BSE is India’s leading technology enterprise
delivering mission critical Straight – Through – Processing (STP) solution comprising Domain
consulting, Technology Virginensing and Development outsourcing fot the Global exchange
marketplace.
MCX, National Spot Exchange, NBHC, IBS-Forex and DGCX are the the part of Financial
Technologies.
atom is payment platform that enables
Payment thru Interactive Voice Response (IVR) using Credit Card, Debit Card and Prepaid Card.
Reply
Prakhar Agrawal
@Anant: You have already mentioned once about your company above. Why spam such an
useful post by useless repetitive references to your service?
Reply
6. Nilesh
April 6, 2009 at 9:10 am
What if one wants to collect dollar payments in India (via credit cards) ? Are there any options apart
from CCAvenue ?
Reply
pranav
April 6, 2009 at 10:56 am
use Paypal if you want to collect dollar payments in India
Reply
Jeet
@Pranav: In the light of new mess that paypal has created.. What are the options for
creating dollar payments in India? I see ccavenue has an option. What about others?
Reply
Vikrant
5/18/2011 Comparison charges
receive we will deduct transaction of payment gateways
from in I… amount.
the receiving
Please visit
Regards,
Vikrant
Reply
Please visit
It is accepting all currency from All VISA & Master Cards are accepted it can be Debit Or
Credit Cards inssued by any National Or International Bank.
Regards,
Vikrant
09891692294
Reply
7. Vikram
April 6, 2009 at 12:51 pm
Thanks Pranav for this info ..Great job !!
Reply
8. nikhil
April 21, 2009 at 4:12 am
which gateway can be used if we also want DEBIT card payment .. ?

which among the above [players give the service with least transaction charge… ?
and how does integrating more than one merchant gateway works …?
Reply
pranav
April 21, 2009 at 2:24 pm
nikhil,
most of the payment gateways support net banking (debit cards). However, few may provide
support for additional banks than others.
support for additional banks than others.
Why would you want to integrate more than one merchant gateway ? Its more headache from
all aspects – technical, financial, management etc. Doesnt make a lot of sense to have multiple
gateways for small to medium ecomm sites.
Reply
Randhir
May 19, 2009 at 11:12 am
Hi Nikhil,
The VISA elctron debit cards of 12 banks are accepted on any credit card payment
gateway..technically a debit card transaction is same as credit card.
Reply
Avinash Sawant
Dear Nikhil,
HDFC Bank provides an interface for accepting Debit cards too, along with the Credit cards on
its sole Payment Gateway interface itself, additionally by giving its users (Cardholders) the
necessary notification on the paypage that Debit cards are also accepted, but only the ones
which are Visa and MasterCard ENROLLED i.e., in accordance with the RBI rule.
Reply
Vikrant
Hi,
Please visit
Regards,
Vikrant
Reply
9. Venkat
April 30, 2009 at 7:37 am
1. Which of these payment gateways support mobile payments?
Reply
pranav
April 30, 2009 at 5:36 pm
ccavenue does. I think ebs also does support mobile payments.
Reply
Joby
June 19, 2009 at 7:18 am
CCAvenue do not supports mobile payment. They had not even started yet.
Reply
Abhijan Nandy
What Bullshit, Joby. CCAvenue has PayMate and SBI freedom as mobile
payment options for the last three years. They also have CCAvenue PhonePay,
which is a very good IVR solution that we are using for the last couple of months
for our memberships collections on phone. The best part is that they are giving it
free with every ccavenue account. Its a brilliant package with 50+ payment
options, free merchant account, free risk management, no chargeback
representation fees, free IVR etc. They are worldclass and no other PG comes
remotely close to their offerings or service. Regards, Abhijan.
Reply
Swetha
No, ccavenue supports mobile payment option
Reply
10. Manish
May 1, 2009 at 11:08 am
Hi,
I have a query. I understand that I need payment gateway if I want to accept payments through credit
card etc. But in net banking, if I have given my account information then the customer can login to his
bank account (on his bank site) and can transfer funds to my account. I think no gateway is required at
my site for this.
Is it like that the customer will be able to login to his bank account through my site hence the payment
gateway is required?
Please clarify.
Regards
Manish
Reply
Reply
Santhanam
May 13, 2009 at 5:54 am
Dear Manish,
If your website requires automatic transaction information for processing customer’s orders,
then you will require payment gateway. Also you cannot expect all your customers to have net
banking enabled bank account in the same bank as yours.
If you don’t require automatic transaction information for processeing customer’s orders, then
you can ask your customer to deposit the amount either at a branch of your bank(some banks
provide facility for cash deposit in any branch without any charges) or net banking transfer or
through NEFT (Just costing around Rs.5/- for a transaction). And customer can send the
payment infomation via email/your website & you can process the order.
This type of manual processing of transaction will save websites/customers the exorbitant
transaction charges collected by payment gateways. I found that some publishers were offering
this method apart from net banking coupled with a manual way of processing the orders
Thank You
With Regards
Santhanam
Reply
Vikrant
Please visit
Vikrant
Reply
11. Andre
May 12, 2009 at 3:15 pm
Hi,
I don’t understand fully the problem with paypal. Yes, you can charge only in USD or Euro, but once
the Indian customer is going for payment through paypal, the foreign currency gets automatically
converted in Indian Rupee, so it;s not that you can not use paypal in India. Of course you should
explain your customer what is gonna to happened and it could be a problem for some projects, but for
example hotel service is not a problem, if the customer “pays” in USD.
Regards
Regards
Andre
Reply
Dev
August 31, 2010 at 4:34 am
Re PayPal , They will process orders in foreign currency which the customer’s credit card gets
charged to. However the real issue is how does PayPal deliver the money to vendor/affiliate’s
Indian account? Their terms and conditions do not even mention India in their list of countries. I
would not be surprised if this pertains across the board.
Thanks for raising the issue.
Reply
Vikrant
I think below details can solve your problems…….
I have been recently discussing payment gateway solutions & Charges – We assured you
all – One time setup fee- NO ANNUAL Charges/ NO other charges. What ever amount
you will receive we will deduct transaction charges from the receiving amount.
Please visit
Regards,
Vikrant
Reply
12. Abhishek
May 14, 2009 at 1:43 am
There is one more company which has deep expertise in providing Payment Gateway option over the
Phone ( IVR ). The Name of the Company is One 97 Communication Pvt. Limited. It is noida based
company and have many Corporates & Enterprise Clients in their kitty. The Charges are very much
affordable as comparison to the other Companies offering the same Product.
their Transaction charges are also very less.
Reply
13. Deepak Kumar

May 14, 2009 at 7:46 pm
i’m new in call centre business and i want to get charging gateway portal so i want ur advice friends
5/18/2011
i’m new in call centre businessComparison
and i wantoftopayment gateways
get charging in I… portal so i want ur advice friends
gateway
that which would be best
Reply
Vikrant
I think below link and details can help you…………
Please visit
Regards,
Vikrant
Reply
14. Deepak Kumar

May 14, 2009 at 7:48 pm
which would be best portal gateway
Reply
pranav
May 18, 2009 at 3:07 pm
i’d say give ccavenue or times direcpay a shot and see how they work out.
Reply
Vikrant
YOU SHOULD VISIT Below link and you should also read below details………………
Please visit
Regards,
Vikrant
Reply
15. Ashish Kumar

May 17, 2009 at 4:44 am
Hi All,
One company has gone up very fast in Payment Gateways, that is Merchant Solutions.
This is a Joint Venture of Standard Chartered Bank and First data International for Asia Pacific. US
based,First Data is world’s largest payment processing company and has about 56% market share in
US.
Their Regional Office is in Noida, Sec-16.
Contact Name-Ajay Kumar-Area Sales Manger # 9899299914.
Reply
16. mahesh
May 21, 2009 at 7:22 am
What is the TDR for billdesk? I can’t find it any where on the internet , they don’t respond to e mails.
Reply
17. Deepak Kumar

May 21, 2009 at 10:43 am
Hi
Pranav
i’m new in call centre business and i want to get charging gateway portal so i want ur advice friends
that which would be best gateway
Reply
Vikrant
I think……this will help you….
Please visit
Regards,
Vikrant
Reply
18. ROhan
May 22, 2009 at 2:11 pm
Does EBS have mail payment alerts?
Reply
Vidhi Bhatt
May 23, 2009 at 3:20 am
Hi Rohan,
As per your query, EBS has mail alerts for each new transaction done through merchant’s
website.
For further queries you may mail to vidhi@ebs.in or contact on 022-28077478.
Regards,
Vidhi Bhatt
Dy. Manager-Sales
Reply
19. Jitesh Patil

May 23, 2009 at 12:15 am
I wish Paypal starts Rupee transactions. Then all these rates would automatically come down.
Reply
20. Richa Jha

May 28, 2009 at 4:41 am
I cannot see the comparison.

the link takes me to the http://www.myticket2india.com/wp-content/uploads/india-payment-
gateways.pdf but it doesnt show up anything. fails to load the page on server.
Please rectify.
or if possible kindly mail me the comparison at richa.jha@gmail.com
Thank you
5/18/2011
Thank you Comparison of payment gateways in I…
Richa
Reply
Raj Gupta
August 17, 2009 at 3:43 am
Please right click ur mouse and select “Save target as…”
Reply
21. Himanshu
June 2, 2009 at 4:50 am
Can any body provide me the list of companies providing Payment Gateway option over IVR?
As i have urgent requirement for my Organization.
Reply
Abhijan Nandy
Try CCAvenue PhonePay Ivr systems. It ha sthe largest bouqet of payment options on IVR. It
processes MC, Visa, AmEx, JCB, Diners, ITZ cash, Paymate and SBI freedom bank accounts
on the IVR. Best part is you can also use the same CCAvenue account for you website.
Reply
raghu
March 5, 2010 at 6:41 am
Hi Himanshu,
just saw your posting on IVR for payment. not sure if its too late. Our IVR payment solution is
PA-DSS certified and can integrated with any third party Gateway. It is suitable for
Credit/Debit/Pre-Paid Cash Cards.
If you are interested please email me at rraghavan@baytalkitec.com.
thanks
Raghu
Reply
Vikrant
I think it will solve your problem…………
5/18/2011 Comparison
I have been recently discussing of payment
payment gateways
gateway in I…& Charges – We assured you all –
solutions
Please visit
Regards,
Vikrant
Reply
22. Manish
June 17, 2009 at 7:32 am
Hi Himanshu
I know 2 companies who are providing Payment Gateway Option over IVR, 1,Atom
2. One97 Communication
Atom is based at Mumbai, and One97 Communication is based at Noida.
I personally called them up for my requirement, and found One97 communication better in terms of
Rates and quality, as One97 is specialised in Developing IVR. You can talk to Abhishek Khurana of
one97 Communication @ 09910171197.
Reply
Badri
June 17, 2009 at 2:00 pm
ONE97 Site talks about turnkey development of VAS for telecom companies. I did not see
anything on IVR and credit card payment. did i look into the wrong website?
Reply
manish
August 6, 2009 at 5:20 am
Visit Paytm.in
One97’s M-Commerce site.
Reply
23. Badri
June 17, 2009 at 1:59 pm
hi! i recently came across a payment gateway called Upclick (www.upclick.com) which charges
NOTHING on transactions less than $40 and incrementally over that.
Have you guys heard anything about that so far?
Also, what has been the user experience so far in the Indian gateways so far?
Reply
Vikrant
Take help from these people….
Please visit
Regards,
Vikrant
Reply
24. Amit
June 18, 2009 at 2:09 pm
Hi,
I just want to know which is the better option between CCavenues and EBS. EBS has much better
rates than ccavenues still I see ccavenues more on e-commerce websites. Why is it so ?
Reply
Yogesh Kamble
June 19, 2009 at 7:45 am
CCAvenues gives you more netbanking facilities and Credit card options than any other PG.
And the customer base of CCAvenues is about 60% merchants in India.
Reply
Vikrant
No Comments!!!!
Reply
25. Neetu
June 19, 2009 at 5:59 am
See i would suggest not to take instant decision since there are many company into such business. The
one i know is One97 Communication Pvt. Ltd. Best part with this is they provide payment gateways
both on web and IVR. Which is a necessity for collecting credit card payments by an agent in call
center then and there. You can contact neelam@9717011060.
Reply
26. NJ
June 22, 2009 at 7:49 pm
I would like to know, is there any payment gateway where I can initiate a credit/debit card transaction
between two different parties i.e. I will neither be the seller nor the buyer.
Reply
Ojha
June 23, 2009 at 3:39 am
NJ, become a reseller of any of the Payment gateway Provider. Then you dont have to be either
a seller or a buyer.
Reply
Vikrant
I think you should contact here………….
Please visit
Regards,
Vikrant
Reply
27. Anthony
June 24, 2009 at 6:16 am
For remitting USD as membership fees, apart from transactions through credit card or bank demand
draft is there any facility for payment through banks or otherwise, from India.
Reply
Vikrant
Growth rate 240% of this company……..
have been recently discussing payment gateway solutions & Charges – We assured you all –
Please visit
Regards,
Vikrant
Reply
Vijay
April 20, 2011 at 3:30 pm
Vikrant, I think everyone here got the message. Please stop spamming this post with your
sales promotion. it’s getting annoying for everyone I’m sure.
Reply
Shruti
May 4, 2011 at 11:53 pm
I second you Vijay! Vikrant Please stop spamming..
Reply
Hansen
May 3, 2011 at 8:12 am
Hey Vikrant,
Seriously, stop spamming this page mate. You have been pushing it to the point to
extreme annoyance.
I wish the site moderators delete this guy’s lack lustre sales pitch and ban him from ever
posting about his site here again.
Good info here people. Keep it up…
Reply
28. sekhar
June 29, 2009 at 9:51 am
Hi
My business is railway booking, through IRCTC. Tell me, is there any cash card/credit card/debit
card, banks, is not charged any extra charges on booking railway E -tickets. Can any body provide
me information?
Reply
Ravi
July 31, 2009 at 9:01 am
Yes… use SBI IRCTC Card. No transaction will be deducted
Reply
Pawan
September 24, 2009 at 2:45 am
I use AMEX gateway with my ICICI credit card for online rail ticket booking. They dont
charge any transaction fee.
Thanks,
Pawan
Reply
29. neo
June 29, 2009 at 3:25 pm
hey guys i did a small study on payment gateways for my site. happy to share my compilation. check it
out @ http://thetopslot.blogspot.com/2009/06/indian-payment-gateways-my-search.html
Reply
Sourabh
your link is not working, can you please update it???
thanks
Reply
Vikrant
Reply
srikanth.K
August 19, 2010 at 10:59 am
Will u pls update ur link
Reply
Vikrant
Other Suggested link for you…
Reply
30. KCorp
July 11, 2009 at 2:07 am
We currently have tieups with ICICI and CC Avenue. The service of ICICI is very poor. With a
useless team as HelpDesk and non responsive dumbo as relationship manager , It will be better to
commit suicide than to commit ur business with ICICI
Reply
Ravi
July 31, 2009 at 9:03 am
Yes you are right…. their pgheldesk sucks. They dont even know what they talk and are not
even aware of the errors. It took me two months from sign up to intergration because of their
sloppy sales and support team
Reply
Vikrant
Please visit- http://www.cyberastrotechnology.com/payment-gateway.asp
let me know your feedback!!!
Reply
31. Sandip
July 25, 2009 at 7:09 am
Dear Pranav,
We have a small Charitable

startupdunia.com/…/comparison-of-p… trust run out of the money from our pocket and some local sponsors. We
27/125
We have a small Charitable trust run out of the money from our pocket and some local sponsors. We
would like to scale up the activities in the areas of Medical facilities, Education, infrasturcture and
clothings for slums and poor urbans.
In this respect we thought of having a payment gateway to enable our well wishers in India and outside
to donate through our website. As you understand that stiff initial charges, transaction or insecurity may
hurt the cause of this organisation, I request your suggestions for the right gateway for this.
Sandip
Reply
Aditya
March 8, 2010 at 5:33 pm
Sandip,
Did you get an answer? hope you have found the right one. Many websites provide a separate
pricing plans for NGOs.
Reply
Vinay Arora
Hello Sandeep, I recommend PayPal as payment gateway for your website. There are no initial
charges for gateway setup and very small charges as transaction fee. You can put a PayPal
donate button on your website and anyone in world including India can donate money to your
organization.
Reply
samridh adfhikari
hey friends”"
Paypal has blocked my account for no solid reason,, It will give you a pain at the time
you require it most,, nowadays because of moneylaundering problem they are asking
such documents from indian,s which are difficult to produce..
Reply
32. Sateesh
July 31, 2009 at 4:00 am
Hi Friends,
I want to set up the on-line credit card payment for my client. Upon research I thought the CCAvenue
is the best one for on-line payment gateway. Is this is correct or is there any other better choice. Also,
can anyone tell me how to set up this in our application. How can we test our application for this
functionality? I tried that in the Paypal which provides us with the sandbox in which we can create the
test accounts and test our development call through APIs. But is this possible in the case of
test accounts and test our development call through APIs. But is this possible in the case of
CCAvenue. Does the CCAvenue has the APIs to be called from our application or is there any other
way to call the on-line payment gateway (if so, can anyone kindly let me know the procedure to
integrate in our application).
Thanks in advance.
Reply
Ravi
July 31, 2009 at 9:04 am
Dont go with CCAvenue. A lot of their CC transaction fail unnecessarily. They are very
frustrating.
Reply
Prakash Srivastava
August 29, 2009 at 12:53 am
Dear ravi
many times bank credit cards billed unnecessarily so what you say that please don’t go
with any bank, my dear try to understand that this is a technology and any time it can
make any trouble but the thing is that is ccavenue, any bank or any company who is
working in technology is supporting for their customer or not, i am running my company
from 2001 and have faced a lot of troubles in many fields like with banks, data centers,
mobile operators etc. but its not means that all is useless, many time lots of problems
happened due to our some mistake, but nobody want to accept that this is their mistake
too, now come to point of ccavenue , i am reseller of ccavenue and also i have made
payment on ccavenue payment gateway marchant many times, and yes this is correct that
some time this type of problem come but at any time when i have contacted with ccavnue
for resolve the issue so they have cooprated with us and arrange a refund of the wrong
transaction done but yes it takes some time upto one month
Reply
Vikrant
Can you visit this- I think it will work for you
Reply
33. selvaraj
August 2, 2009 at 12:16 pm
//Dont go with CCAvenue. A lot of their CC transaction fail unnecessarily. They are very frustrating.//
very true…
5/18/2011
very true… Comparison of payment gateways in I…
Reply
34. ajay
i have visited paytm.in

A mcommerce site, they talk about services they can provide to Operators & Enterprises. But they
dont talk about Their charges.
Can any body let me know what are their charges for IVR P.G.?
Thanks
Reply
Vikrant
Visit this link- change your thoughtsssssssss
Reply
35. Srain
August 10, 2009 at 4:51 am
Hi
Can any body suggest the best Payment Gateway service providers in India and the various pricing
model schemes.
Reply
Prakash Srivastava
August 29, 2009 at 12:44 am
Dear Srain
We are providing payment gateway service at very cost effective way, you can visit our website
and can leave a mail and will provide you all the information that how to go ahead
Reply
Krishna
Hi, I am looking to integrate payment gateway with my Portal,

http://www.simplilearn.com
So far I have spoken to only CCavenue, everything is great, but I think 7% transaction
cost that they are asking is too high…
cost that they are asking is too high…
Can any one suggest a better option….My potential customers are both in India as well
as Abroad.
Krishna
Reply
Kasi Viswanath Reddy
August 13, 2010 at 2:31 am
Ebs is better for indian customers they are charging bit low %. then CCAvenue
Reply
Vinay Arora
contact me at mike at hireindians dot net. I have many options for you.
Reply
Neha
May 13, 2010 at 2:49 am
Hi, I read ur thread here, i am beginning with a small scale business and want to have a
payment gateway for my website.. undoubtedly, most reliable and cost efficient.
request if you can advice me on that.
thanks
Reply
Kasi Viswanath Reddy
August 13, 2010 at 2:34 am
hi Neha ,
We are also planning for payment Gateway , I am planning for EBS, what do you
say , What are you using now. How is your business going on.
Reply
Hi Neha,
You will interested to know how we works. It is very transparent for every one.
Please visit
In this…. All VISA & Master Cards are accepted it can Debit Or Credit Cards
inssued by any National Or International Bank.
Regards,
Vikrant
09891692294
Reply
Prasanjeet Roy
Hi Prakash,
Im looking for a PG option for my upcoming ecomm website. We are a Kolkata based
start up dealing in leather products and accessories. Please mail me the packages that you
can offer me. And the required documents.
Thanx.
Reply
Pradeep Awate
Hi Mr. Prasanjeet
Please Share your email id or mail us on pawate@talentbeat.com
Reply
Hello Mr. Roy,
Please visit
In this….we are accepting all currency, All VISA & Master Cards are accepted it
can be Debit Or Credit Cards inssued by any National Or International Bank.
Regards,
Vikrant
09891692294
Reply
Reply
Vikrant
Please visit
And solve you problem……:)
Reply
Vikrant
Best option for you….
Reply
36. Abhishek Bhargava

August 31, 2009 at 8:53 am
Hi Guys
Kindly get in touch with me at 99821 33333 for any IPG services at Rajasthan & UP.
We can provide IPG services from Merchant Solutions which is a Joint Venture between FDI &
Standard Chartered Bank for Asia Pacific.
Reply
37. Seb
September 2, 2009 at 1:02 pm
First of all, fantastic info here. Secondly, all the companies that I’ve spoken to that use CCAvenue are
not happy with their service nor their support. Direcpay from Times of Money seems like a good
option currently.
Reply
Abhijan Nandy
Hi Seb,
Thats a big statement to make considering more than 90% of Indian websites use CCAvenue
PG services. Can you let us know as to which of the merchants whom you have spoken has
expressed their unhappiness….or are you just a troll trying to defame them. We are using them
for last 7 years and are absolutely satisfied with them. They offer an unbeatable brilliant package
for last 7 years and are absolutely satisfied with them. They offer an unbeatable brilliant package
with 50+ payment options, free merchant account, free risk management, no chargeback
representation fees, free IVR etc. They are worldclass and no other PG comes remotely close
to their offerings or service.
Would appreciate if you could list out your contact details as when I click on your link it goes to
an american website called virtualloan.com. Will await your reply. Regards, Abhijan.
Reply
himanshu
June 25, 2010 at 6:33 am
90% payments done thru CC avenue????? put correct facts dude…CC avenue doesnt
have any big name
Reply
38. Sriram
I would like to know if anyone is providing payments using mobile. Our website accepts donations in
the amounts of 10s. So it would be easy for a customer to send an sms and 10/- is cut from his
prepaid or charged to his account.
Is there any such facility in India?
Reply
vijay
dear sriram
please let me know if you get same info.

thanks
Reply
39. Nishanth Nair

Thanks a lot fo this review. It was very useful for me. keep up the good work!!
Reply
40. tulasiram
good review and i appreciate, i would suggest for the bignners to go with CCAvenues….:)
Reply
Reply
41. Unmesh
October 1, 2009 at 1:59 pm
Hey guys, just opening up office in Mumbai. Please do check our payment portal
http://www.indiapay.com. We accept payments in 180 countries and can settle in 30 currencies around
the world. Also accept payment through virtual terminal, POS terminal, mobile, IVR and API (to get
payment within your software).
Accept all types of payments Checks, paper checks, ECS, RTGS, NEFT and of course credit and
debit cards.
We are new to the Indian market but processed 380 million transactions worldwide last year and been
in business from 1994 in US. We probably already have all the integration working with some of our
85,000 merchants worldwide. Give us a call. 98230-44771.
Reply
rahul bhardwaj
Dear Unmesh,
This is Rahul Bhardwaj from http://www.worlddailytours.com
I m looking for merchant A/C. mail me all info in my mail id.
Thanks
Reply
Vikrant
Please visit
We have good option for you..!!!!!!
Reply
Rajiv
May 5, 2010 at 11:34 pm
Can you also process USD credit card payments?
Reply
Vikrant
Hey Rajiv-
Please visit
They have good option for you
Reply
vijay kumar
May 6, 2010 at 2:52 pm
Currently working in a payment gateway company and looking for change if any opening in
indiapay pls call me on 09711196973. I have around 4+ yrs of exp in payments domain with
Operations & Business Development.
Looking for your positive response on this
Regards
VK
Reply
BA
July 4, 2010 at 7:42 pm
hi Vijay,
which city are you in?
i need to integrate my site with billdesk, have you worked with them before?
let me know and we can talk further.
thanks,
BA
fin_engr@hotmail.com
Reply
Anu Bharara
Never ever do Billdesk, we are crying because of them. Very poor response times
and payments never go through.
Reply
Jai
Jai
India Pay is just a Fake company
Reply
42. Nandkumar
Hi,
I’m in search of paygateway which is actually giving facility for fundraising in terms of donation for
NGO. Looking for such type of facility provided by any paygateway, which shoud not charge any
heavy or no chrge for setup, and very little transaction chages and no AMC. Please suggest.
NGO is working for Kidney patiants. Also in rural area where Education, Medical aid, helping hand to
farmers.
Cell No: 9967024237
Thanks!
Reply
vijay
Hi would you please leave some more details for your work in chaity
where are you base ?
Reply
Mihir Kumar
Hi Nandkumar,
Wondering if you got any interesting responses?
I run a very small charitable organization and need an online payment facility for my donors .
Would request you to provide any relevant information
Mihir
http://www.asha.net.in
Reply
Vikrant
will be best option for you
Reply
Ranjit Agarwal
http://www.abcpayments.com do not charge any amc
Reply
Vikrant
Hi Nand Kumar,
Please visit
We have good option for you
Reply
43. amit
I am looking for a reliable payement gateway for my website.. please let know some good payement
gateway..
Amit
Reply
44. Sonal Kapadia

Can anyone provide me information on ABC payment gateway ? Are they functional ?
Reply
Sonal Kapadia
ABC payment gateway have closed down their services in April 2009 and CCAvenue has
taken over ABC payment gateway merchant as they are no more functional.
Regards
Anamika Desai
Reply
45. reena
can anyone suggest me best payment

startupdunia.com/…/comparison-of-p… gateway service provider 38/125
can anyone suggest me best payment gateway service provider
Reply
46. chandresh
nice website to get details
Reply
47. ravi
I found this coupon for CCAvenue which can save you 5% on registration charges. Might be useful for
someone looking for CCAvenue…
http://www.offersforshoppers.com/NewOFS/leads/payment-gateway/payment-gateway-india.htm
Reply
48. sharat
Can I register for multiple Merchant accounts through a single Website/Portal/Entity.
Idea is to link multiple manufacturers directly to their customers through a portal ? Can this be done ?
or does it require the website to hold a merchant account and thereby re distribute the money ?
Reply
49. rahul bhardwaj

Dear Sir ,
This is Rahul Bhardwaj from Noida. I’m truely interested in making one online thirdparty payment
gateway, being a web developer and network administrator, I really felt I can do or something I can go
for a third party payment gateway.
I didn’t get any answer from people, users who are acutally working on this kind of projects or had
been working, till date. and rusty search engines only giving fake articles these days.
I think my question may need more clarification…

I am talking about creating/becoming a service such as PayPal,Authorize.net,EBS, Direcpay or
CCAVENUE….
So plz mail me as soon as possible.
I’d really appreciate If you come forward and provide some information which will be useful for me.
Thank You.
Regards,
Rahul Bhardwaj
Reply
Naazish
Hi Rahul,
Please share your email id with me. mine is naazishm@gmail.com. I have a similar interest as
yours and would like to initiate further discussions.
Look forward to your reply.
Regards,
Naazish
Reply
Abhinay
July 20, 2010 at 5:15 am
Hi Rahul,
I recently saw your post and I was also thinking in the same line since quite a few days.
Have you made any progress in this direction so far? If you like, I’ll also be interested in
discussing this with you.
regards
Abhinay
Reply
50. Jay
This site is truly informational indeed.
I’m an American and was wondering how difficult would it be if I wanted to open a PSP and a PCI
compliant gateway in India? How much does it cost and so forth if I want to use the PSP for US based
businesses. I’ve spend a ton of time and money talking to “expert professionals” in India, who’ve just
taken me for a ride. I’m looking for competent professionals who can help me with this project. I’ll be
checking this often so please drop me a message.
I could be reached at +1-573-253-1223
Reply
51. Kishore
Hello,
5/18/2011
Hello, Comparison of payment gateways in I…
I tried to pay my BSNL phone bill from Canada through online payment through bsnl website
http://billchn.bsnl.co.in/index.html. The payment gateway used by this site is Bill desk. It seems its not
accepted any of the credit card both visa/master-card which is issued by Canadian banks.
Any reasons?
Thanks
Reply
rahul bhardwaj
Dear Kishore,
Mail me your number on rahulbhardwaj_18@yahoo.com
I’ll tell you everything…
Thanks.
Reply
52. Mihir Kumar
Hi , After browsing through all of these I am still greedy for an easy and straight answer
I run a very small charitable trust and would like to accept donations/subscirptions via the website.
Ofcourse I would like it to be extremely economical and can compromise on a few features ( like using
only Debit Card if that brings down the cost)
I would also very reluctant to pay the cost per transaction- especially since this is the donors money,
and we take pride in being a zero overhead organization now.
Thanks a lot …… Any response will be more than welcome
Mihir
http://www.asha.net.in
Reply
53. Sandeep
What should i do if i want to have a payment gateway for my website????

I mean what are the steps and procedure???
N which is the best PG????
Thanks in Advance….
Bye……
n this discussion are just too good…
Reply
54. Sandeep
please let me know in my mailbox if possible….
Reply
55. Sandeep
O sory my mail id is sandeepgala157@gmail.com
Reply
srikanth.K
August 19, 2010 at 11:09 am
Dear Sandeep,
Im trying to start some online business. So, i need the payment gateway which offer Best plan.
I hope u had some info. about it. Pls forward to my mail id: kanthsrik@gmail.com
Reply
56. Rahul Bhardwaj

Dear Sir ,
This is Rahul Bhardwaj from Noida. I’m truely interested in making one online thirdparty payment
gateway, being a web developer and network administrator, I really felt I can do or something I can go
for a third party payment gateway.
I didn’t get any answer from people, users who are acutally working on this kind of projects or had
been working, till date. and rusty search engines only giving fake articles these days.
I think my question may need more clarification…

I am talking about creating/becoming a service such as PayPal,Authorize.net,EBS, Direcpay or
CCAVENUE….
So plz mail me as soon as possible.
I’d really appreciate If you come forward and provide some information which will be useful for me.
Thank You.
Regards,
Rahul Bhardwaj
Reply
57. raj
November 4, 2009 at 8:29 am
Hi,
What is the difference between oxigen and CCAvenue??
If both do payment gateway – why should i choose one over other?? any insights will be great. thanks,
raj
Reply
58. Unmesh
November 20, 2009 at 1:33 pm
Sorry, had not checked this blog for some time and I do not receive any emails. For Charity work with
NGOs, we’ll try to work with you and arrange the best available rates provided that these are real
charities. Currently we are working on couple projects where we allow people in US to send money to
India for a specific cause through their bank account. Credit/Debit/other options can also be added if
someone is interested. I may be able to connect you to some organizations here who could be helpful
to real charities. Send emails directly to uladdha@indiapay.com with detail information about your
charities and what you do and what you need. Thanks.
Reply
RP
July 18, 2010 at 11:25 am
Dear Unmesh,
Hi, we have one jobsite which is functional from 2007 but we need the payment gateway
integration for our site for which we can only pay startup fee upto Rs.3000, I feel, you can help
us in this context and we can partner with you by keeping your banner on our site and we can
also offer you the 20% of each transaction that a customer did on our site. I hope, this can help
us mutually. You can reach on sindhwin@yahoo.co.in
Regards,
RP.
Reply
59. Sean
Does anybody know which of these payment gateways works with online dating.
Apparently CCAVenue and EBS don’t work with dating companies.
Reply
60. Tom
Majority of Indian payment gateways have a lot of disintegrated platforms like some use cards, some
use internet and some use mobile when it come to the common man all these are still not feasible hence
a unified system like what is there in US / Singapore etc needs to be coming in India to make payment
gateways accessible to common man “aam admi”.
Not a long way to go our technological companies are doing great we have to wait little to get good
features to enjoy.
I would like to continue a trail on my blog: http://thomassjacob.wordpress.com
as this topic is going to be interesting ….
Regards,
Tom
Reply
61. Shyam
Hey,
I had a really bad experience with Direcpay / TimesofMoney. Very unprofessional setup, no decent
customer support.
Don’t be fooled into thinking that timesofmoney will be good since they are of times group.
Still looking for a decent Payment Gateway.
Reply
Avinash Sawant
Dear Shyam,
Only, if at all your platform is on either ASP, ASP.Net only in case if you yourself are liable for
the required ASP to .Net migration OR JSP, I would sincerely suggest you to opt for HDFC
gateway. Pricing, am not much sure whether it is economical, but technically the overall
integration is quite simple and short and the support team there i.e., PGHelpdesk is very much
dedicated and sincere towards support.
Note: The integration if worked on by going thru the provided user manual OR else with the
help of the helpdesk team, can surely be done withinn just a few hours, i.e., a track record of 37
mins has been registered for completion of integration using pure ASP.
Reply
Gaurav Singhal
Hi Shyam
Can you suggest me which payment gateway is good? i tried with PayPal but it is not well
develop in India.
Can you please share with me your experience?
Many thanks
Regards,
Regards,
Gaurav Singhal
Reply
62. Florian
December 16, 2009 at 6:30 pm
hi,
thank you for your nice article!

we are running a startup-company in europe and would like to offer our online-products also to
indians. unfortunately the indian banks do not allow indians to pay with their indian creditcards in an
europe country…
does anybody know if there is the possibility to get an indian payment provider which takes contracts
with an european company? CCAvenue for example needs an indian company to do business
thank you for your answers!
Florian
Reply
jyothi
you can go in tieup with any indians
Reply
William
Dear Florian,
Kindly write back if you are looking for an business handler in India.
William
williamsp7@gmail.com
Reply
Hari
It is the India’s Central Bank (RBI) ’s monetary control policy preventing Indians to spend
outside India, that opened the doors of the ‘Hawala’ system. In short, it is the bad policies by
Indian government to blame. India acted like a closed economy, welcoming remittances from
Non-resident Indians, and export revenue to build up its kitty of dollar reserves, while acting as
a one-way street preventing overseas spending in this era of WTO and globalization.
Reply
Apeksha Kashyap
Dear Florian send us details about your business on kashyap.apeksha@gmail.com
Reply
63. Haja
needful article for me. when i search for comparison among indian currency payment gateways.
Reply
64. Akshit
Hello all, I need some help for payent gateways. Can anyone suggest me for some payment gateways
which provides B2B transactions at minima cost. Our company is venturing into a business where we
provide the B2B payment where both the parties cant bear the transaction cost.
Some payment gateway which works on one time fee or yearly maintenance would be conveniant.
Reply
65. vishal
howdy folks,
i am a web designer and developer, i found this discussion very beneficial and intuitive. if any one
having a problem with payment gateways and other web design and developments do contact me at
sengar.vishal@gmail.com
Reply
66. Ann
Just an additional information, Billdesk has online payment gateway and is known as Techprocess
(TechPro InstantPay).
You can visit the website http://www.techprocess.co.in/ for more information and contact details.
It is one of the competative online payment gateway service provider
Reply
ASK
r u from billdesk or techprocess
Reply
67. CHINTAN
i wants to start online financial portal.(cliant can trancefer fund with there banker) pls anyone suggest
online payment gateway service provider?
Reply
68. KARUPPASAMY.S
dear sir,
we are ngo based on Tuticorin district.We expected unlimited donations or transfer of funds in
percentage options through our website paypal transactions through AXIS bank.We ready to transfer
of funds unlimited.so,locate any corporate tax payers,black money holders,hawala funders also meet
or chat our website and donate online today.our ngo is excempted all legal types international and
national and income tax also.
we expected your opinion also,
s.karuppasamy
director
website:www.awardtrust.org
mail:awardngo@rediffmail.com
Reply
69. Rickie Wong

I am starting a eBusiness in India, I want to know is ccAvenue the best out of it? Can they take China
payment like Alipay/ PaymentAsia? If so I will just go for one provider instead of applying for all. Also
can they do offshore settlement? I tried to contact a few but yet to get a response from it.
Reply
70. aakash
Just find out that IndiaPay is Not PCI-DSS Certified. They are CISP which is Visa USA’s Card
Information Security Program; which is not used in Asia-Pacific.
CISP is VISA and PCI is the industries standards committee for credit card security. In a few months,
CISP will disappear and everyone will need to meet PCI requirements. The certification process is an
annual process.
CCAvenue, One97 Communication (PayTM), Atom Tech are some of the Providers who are PCI-
DSS certified.
I dealt with all of them & found One97 more competitive & Services are good too.
Reply
71. Prashant
Back in Feb 09 i had to make the decision to choose a payment gateway for our ecom business (we
are into web hosting). It was not so much a difficult decision as the choice was so limited, from my
research the only 2 contenders were ccavenue and ebs. The rest either did not disclose pricing info or
they did not want to entertain startups. I kept hoping paypal or google payment would start taking INR
payments but that has not happend till now, i guess govt red tape stuff. Anywyas long story short and i
went to CCavenue. The paper work was a lot to get the merchant account and we never got credit
card facility (which i did not even want) but the experience has been good so far. The payment is on
time and the gateway works good. Though they really need to change the payment page, looks like it
has been the same since 10 years.
Reply
savitha
June 9, 2010 at 1:04 am
Hi Prashant,
I ask this question after reading your comment… we have been using ccavenue for more than 2
years now… but of late, more than 50% our of clients face ‘transaction failure’ and the
transaction doesnt get complete. I would like to know if you , or anyone else in this forum face
this problem??
Thanks
Reply
72. Kumaresan
Great Article. I am in a process of evaluating a Payment Gateway from my startup and this article is a
GodSend.
Thanks A Ton.
Reply
73. sam
Hi all,
Just thought that I would mention another Payment Gateway that has been operating in India for a few
years now. Merchant Solutions (technology provided by DPS – Direct Payment Solutions) offers all
credit card/debit card/mobile payments/recurring token billing/customizable hosted payments pages for
credit card/debit card/mobile payments/recurring token billing/customizable hosted payments pages for
full PCI compliance in INR. We are partnered with the Standard Chartered Bank in India and support
all development platforms.
We already have numerous merchants throughout India using the system successfully and some major
telecommunications providers coming on board soon.
I am more than happy to answer any questions you may have – sam.ling@paymentexpress.com
Reply
74. Abhay
January 11, 2010 at 11:48 am
I read the article I got much information
Reply
75. Sai
Hello,
does anyone have any feedback about Transecute ?
Thanks,
Sai
Reply
76. Debashish Sarker

Just wait for few more month. Paypal is going to be launched in India.
Reply
77. Surender Dalal

Thanks very much to you all. Its the information provided by you people helped me a lot
Reply
78. Rajat
January 15, 2010 at 11:49 am
Any idea when is paypal launching in India.
Regards
Manmeet
Reply
Vishal Pratap Singh
Vishal Pratap Singh
March 13, 2010 at 2:37 pm
Rajat,
Paypal is already serving india with few conversion rates.
It accepts payment in INR and converts it into US $
Reply
79. Nikhil
Hi,
Would like to introduce you to Whizpay, the payment Gateway from TalentBeat Inc. Whizpay
provides browsers with an ability to have their MasterCard and Visa credit card based transactions
processed online in a secure environment.
TalentBeat can provide merchants the services of Online, Mobile, IVR, Gift Card and Loyalty Card
application on same platform.
Features:
1. Verysign and PCI complaint
2.Accept all Visa and Master Credit Card
3.Accepts 18 Banks Master Visa debit card
4.Support 36 Currencies including INR. US$ etc.
5.Have best charge back and Refund Policy.
6.Easy integration process.
7.Provide IVR , Online, Mobile application.
8.Easy credit processing.
9.Less chances of Downtime and many more.
Contact Details:
ngangurde@talentbeat.com
Reply
80. Akash
the information posted by the author and the users is helpful but nt conclusive.
I saw another comparison which rates transecute very highly.
I was about to finalize however a rough comparison indicate that they charge very high ie 7.5% for
every transaction worth 1000.
a few things …..if clarified i will really be grateful
1) Any alternative to CCavenue with less commission % and similar range of features.
2) My site is going to be commercial one similar to xtees one, (select –> add to cart –> check out)
how does ‘Payment on delivery’ mode works, does the courier company take care of the collecting
5/18/2011
how does Comparison
‘Payment on delivery’ of payment
mode works, doesgateways in I…
the courier company take care of the collecting
and handing over the amount from the customer or its usually ‘in house’ home delivery solution.
3) If I incorporate CCavenue or any other decent gateway , is the ‘order tracking’ mechanism
seamless and the gateway company handles it or , I have to tell my develop to build a separate module
for order tracking and chasing.
Any help suggestion ( in point wise manner) is appreciated

thanks in advance
cheers,
Akash
Reply
Mahesh
Hi Akash,
You have option of TalentBeat payment gateway. They have semiler features to C C Avenues
and with less rates as compare to C C Avenues.
Reply
Pradeep Awate
July 6, 2010 at 12:04 am
The whizCart™ platform is a E-Commerce Solution provides the most comprehensive, flexible
and extensible Enterprise E-Commerce and E-Business capabilities. It includes absolutely all
you need to sell online and attract more customers using the power, reach and affordability of
the Internet. whizCart support all your B2C or B2B needs on a single platform. Merchants can
now run all payment channels starting from store checkouts, call center transactions, IVR,
mobile payments and online payments through variety of e-commerce solutions using a single
platform. whizCart shopping solution offers you a simple time saving “one-stop solution” that
effortlessly integrates all your e-commerce and marketing tools into a single easy to use online
solution.
We have made integration with whizCart easier for you. You can do it yourself or we can help
you in
integration with an easy 1 -> 2 -> 3 step process. Business owners like you appreciate our
ease-of-use and all-in-one feature set. You don’t need to pay for a web designer’s help
because you can do everything (yes, absolutely everything) yourself.
For further information you can call me on 09561133222;09819272490 or you can also mail
me on pawate@talentbeat.com
Reply
81. Apurv
Hello,
We have started our website http://www.rechargeguru.com for providing mobile & dth recharge for
prepaid connections in India.
We are using paypal. As all know that paypal.
Recently around mid of December we have tied with

ebs.in payment processor. There support team is quite well efficient. But just be attentive when u make
call to them regarding the Sign-up & integration charges.
There are some loop holes. So be clear and get every thing in written via email.
Will share more experience in coming days. If u have any query please email me.
Regards
Apurv.
Reply
SID
Hi Apurv,
read your comment about EBS.in – we were shortlisting that for our india website. Anything
specific you can share regarding the lopp holes in their proposal?
Thanks for your help.

SID
Reply
Apurv
Hello,
We have got our first payment from ebs.in 12 days back.
But still 45 days has passed they have not activated other banks payment system and visa
credit card payment system on our website http://www.rechargeguru.com
There are some loop holes, please keep all email records with u every time you are going
to call them.
For now my first experience i will rate 5 out of 10. Where 10 is for best, marks are cut
because credit card interface not activated.
Regards
Apurv.
Reply
Gaurav Singhal
Dear Apurv
Thank You to share your experience with us. I am also using paypal but they are unable to
transfer my money to my indian bank. Also cheque time is around 60 days.
Can you suggest me which Payment Gateway is good?
Did you also have problem with paypal?
I am waiting for your reply.
Many Thanks
Regards,
Gaurav
gauravfans@gmail.com
Reply
82. Cherag
Hello All,
I have been going through all the post and thought I could make some contributions to the same.
We have been using Payseal (ICICI), Billdesk and PayPal gateways connected with our sites. Let me
assure you that there are no companies in India which are of good standards with support and service.
You need to have your own tech team to do research and get rid of the glitches.
As for the commercials, the best suited would be ICICI with their payment processing fees in the 2.5-
3% segment and setup in the region of 20K to 30K. You can always negotiate if you have large
volumes.
You must also keep in mind that since debit cards can be processed on these gateways there is no real
or pressing need to have NetBanking facilities bcos if you have a bank account, you do have a ATM-
Debit card for sure. So no real need of going to 3rd party aggregators for netbanking.
Even with regards to economy, I would always suggest to have a direct merchant account with the
banks as they are very competitive and even if you are processing 5 lacs annually you will be saving the
setup fees which you are paying them as compared to any aggregator.
Integration wise, AXIS is the easiest as it does not require any DLL or extra installation on the server
as with other banks this will lead to you buying a virtual dedicated server at an extra cost.
BillDesk does provide some really good options and their payout mechanism etc is also smooth. You
might want to check if the setup cost suits you.
might want to check if the setup cost suits you.
A cost analysis would be as follows :

Direct Merchant Account from Banks :
Setup – Rs. 25K – 50K
Transaction Cost – 2.5% approx.
3rd Party Aggregators:

Setup – 5K – 25K
Transaction Cost – 3.5%-7% approx (whoops)
PayPal :
Setup – Rs. 0
Transaction Cost – 3.9% + 0.15 cents (dont forget that if you convert from foreign currency to INR
then 3% is charged extra for currency conversion rate)
Finally, I would suggest that either go in for PayPal or get yourself a direct merchant code from ICICI,
AXIS or HDFC bank.
Reply
Gaurav Singhal
Hi Cherag
Thank you to share your experience with us.
I am having problem with PayPal as they are not transfer money into my bank. Even the cheque
time is around 60 days or more. I receive payment through credit cards from my international
customer.
Can you please suggest me which option is good for me.
I am waiting for your reply.
Many Thanks
Regard,
Gaurav Singhal
Reply
BA
July 4, 2010 at 7:52 pm
Dear Cherag,
Could you please share with me any red flags to watch out for with Billdesk.
Also, any loopholes in terms of coordinating the integration with them would be helpful.
Hope to hear from you.

Hope to hear from you.
thanks,
BA
fin_engr@hotmail.com
Reply
83. dev
Hello,
It will be good if paypal start accepting INR. Because we can use same paypal account on multiple
websites.
If you are buying online regularly then also it makes sense using paypal.
Paypal Fees 3.4% and not setup costs. Compare with Indian payment gateways you will see the
difference.
2CO also allow INR. bUt minimum payouts have to be Rs.1,00,000/-
Thankyou,
DEVANG
Reply
84. Neha
Hi
I am working with an NGO, and we are looking for a payment gateway for commercial transactions as
well as receiving donations.
We are thinking of using paypal in the US website, and get the funds in our FCRA Account.
We are also thinking of having a local payment gateway for the indian site.
Is it advisable to have 2 different PGs for 2 websites? what shud be the recommended course of
action?
Reply
Mahesh
Hi Neha,
Ypu can use as many gateways as you want…………… Get in touch with any of the service
providers mentioned above for process… currently m using 2 gateways…..
Reply
85. Gupta
We are looking for adding a payment gateway system on our website, we are into guest house
business and mostly bookings are from outside India in ratio of 70% foreigners aand 30% Indians.
Volumes are in start up range not big. Which payment gateway is most reliable, efficient, economical
and easy to use.
Thanks and please reply at sai_villa@yahoo.co.in
We shall be happy to instal a payment gateway system on out site, if the pricing offered is competative
and right immediately within a couple of days time.
We already have ECS machine facility.
Reply
86. SANJAY
What should i do if i want to have a payment gateway for my website.

what are the steps and procedure.
presently i have only one product pack to sell.
also i want to setup internet email service like yahoomail, gmail, rediffmail etc.
can anyone help me find a solution.
SANJAY
Reply
87. Nitin
Hi,
I accept almost 30,000 USD each month from US, UK and other countries. I was using paypal but
having a problem from few days as they have stopped payment from personal paypal accounts from
client.
I was anyway planning to change them since they send money to India in INR and not Forex . Also
their conversion rate is very bad.
What are the options to accept foreign currencies of this volume. Shall I go to an India provider like
ccavenue, icici, axis bank or hdfc or international like authorize.net or 2checkout etc
Please advise. I want to get money in India in USd and then get local concersion rates.
Please advise and thanks for help.
Reply
Gaurav Singhal
Gaurav Singhal
hi Nitin
Have you find the better service yet. i am like you. I have faced problem with PayPal. My
money got stuck in it? Do you have any idea how much time paypal cheque takes? I started
using paypal in Jan and still not receive my first cheque. Please share with me your experience.
I am also receiving international payment like you.
Many Thanks
Gaurav
Reply
88. Mahesh
Hi Nitin,
You can go with any of the following.
C C Avenues
EBS
TalentBeat
Reply
89. Nitin
Thanks mahesh..How much time do they take to activate the account and start accepting payment as I
am in a deep cash crunch here..
Reply
Mahesh
You can contact them, its depend on your industry of work…… and your product……..
Reply
90. Tushar
I have also started my own business and want a payment gateway suited for Indian customers I have
also started an NGO named “Anatm” and I want to my both websites to get integrated to one payment
gateway to minimise cost. Can any one suggets me. My both websites will be functional from
5/18/2011
gateway to minimise cost. CanComparison of payment
any one suggets me. gateways
My both inwebsites
I… will be functional from
12/02/10. Can I do it.
contact me at 9311722212
Reply
91. Shubham Pathak
Dear all,
Good job done…very well knitted and informative thread.Though lot of deliberations and PoVs have
been discussed and raised in this thread.
Still the doubt looms large as to which is the best PG that can stand best at all the discussed
parameters of :
1. Customer service
2. TDR charges
3. Set up cost
4. Annual maintenance cost
5. Other cost of quality
Please correct me if i’m wrong but my guess says the answer to this question is none,as it us as a new
start up that needs to decide which PG is best suiting to our requirements in terms of 1. No. of
expected transactions 2. Type of API support 3. Continuity of services on the basis of f/bs provided
I shall be using it for my business in wellness industry……..all the best for the search
Reply
92. Suman
I have a requirement where I need to support

Credit Cards, Debit Cards, Online accounts, Visa, Master, Maestro for of my client application. Initial
and recurring cost also must be minimal.
Which service would be better for me.
Reply
Mahesh
You can go for any payment Gateway Service provider for that.
Reply
Sridharan Rajaraman
Bank of Baorda is in the process of setting up a Payment Gateway. You can contact them at
ipgot.bcc@bankofbaroda.com to get the TDR rates and the charges.
Reply
93. pankaj
5/18/2011
February 15, 2010 at 7:42 amComparison of payment gateways in I…
i got payment from overseas into my paypal account . but could not get into my bank
account…..please advise me ….i sell online
regards
Reply
94. Manisa
i have just mailed to two of the solution providers, lets look at the response and decide.
This dscussion has been very informative and healthy, do keep up the good work.
Reply
95. Unmesh
Glad to revisit this page. There are some factually incorrect comments from Aakash above which I like
to correct. IndiaPay is completely PCI compliant and has level 1 certification being certified on annual
basis at not only with PCI-DSS but also SAS70 which is much more stringent than PCI. PCI Level 1
means our platform process more than 10 million transactions a year. Our volume for 2009 was
approx 450 million transactions including US, EU, Asia and other regions. There are 22 processing
networks connected to our platform including Visa, MS, Amex etc. There are 40 banks or financial
institutions talk with the gateway across the world. There is simply no other provider in India matching
this depth. We process Credit, debit, ACH (ECS, RTGS, NEFT), Paper Cheques and Gift/Loyalty
transactions. Our API allows developers to code interface in Java, .Net, PHP, CGI, C++,
SOAP/XML web services. The usual development time is not more than few hours for experienced
developer for all above types of transactions. Front end which could connect to includes Physical POS
system (ATM, Kiosk, Cash Registers, Various Card swipes and terminals) , Web, Mobile, IVR,
Software ( ERPs like SAP, Oracle, accounting systems like Tally and Quick Books). More than 150
shopping carts have direct plugins to our systems. You can simply integrate all of these payment
mechanisms into any of your hardware, software or mobi/IVR applications using the extensive API
which is already built in. We promote our resellers and incentivize them by providing best TDR and
lowest transaction fee possible to their merchants/users. Major difference with other players and
IndiaPay is payment consolidation which provides all payment channels in one single pipe.
Right now you can accept
1. Credit/Debit cards from across the world and not just India.
2. Direct debits/Remittances from US, EU and China customers from their bank accounts.
3. ECS/RTGS/NEFT/Direct debit payments from any Indian bank account holder.
4. Paper checks – American and Indian.
Feel free to drop me a line and I can provide you the integration manual.
Rgds,
Rgds,
Unmesh
Reply
Gaurav Singhal
I am using PayPal. But it is not transfering my money to my bank account and even the cheque
time is around 60 days or more. But it is very cheap in comparision to other indian payment
gateway. Will any body suggest me which is best and low rate Payment Gateway in India. I am
my international customers only. Many Thanks Gaurav
Please email me at gauravfans@gmail.com
Reply
D. Arun Kumar
July 17, 2010 at 7:22 am
Background: A Inbound travel company clientale are both Indians as well as foreigners from
countries (America / Canadia / UK / Australia / Europe / Nigeria / UAE / Russia). They
payment currently comes via NTFC / Swift Wire Transfer in currencies such as INR as well as
above countries currencies.
Que.: 1. We want to start accepting worlwide Credit card / Debit Cards issued by varrious
Banks worldwide, hence which payment gateway is the best (reliable) and chepaest TDR wise
to go for to accept all currencies and all worldwide credit / debit cards?
Kindly advise.
Rgds.
Reply
96. Satyendra
Hi,
Appologies to use this platform, since this is payment gateway related forum and we are in process of
building technologically most advanced payment system(and most competative) and I need your
thoughts for any feature you might be looking for in the new system. Do email me your thoughts what
you want from new system which doesn’t exist yet now.
You can email me at singh_sat@hotmail.com.
Thanks and With Warm regards,

Satyendra Singh
Reply
97. Gaurav Singhal

5/18/2011
February 24, Comparison of payment gateways in I…
2010 at 12:53 am
I am using PayPal. But it is not transfering my money to my bank account and even the cheque time is
around 60 days or more. But it is very cheap in comparision to other indian payment gateway. Will any
body suggest me which is best and low rate Payment Gateway in India. I am my international
customers only. Many Thanks Gaurav
Reply
98. Vicky Pradhan

Indian payment gateway really needs to improve by miles, having said that in the current stage one has
2 options:
1) Go with the banks (HDFC, ICICI)
They charge from 2% to even 5 or 6% based upon how much you are willing to spend.
But be ready to serve them with number of painful documents, and in some cases you might also be
asked to place in a fixed deposit in the bank ranging from 1 to 5 lakhs.
Positives –
Comparatively better customer service,
Relatively quick transfer of funds to your account
Lesser per transaction cost (This also depends on your negotiations with the bank)
Negatives –
Lots of documentation and a lengthy process
Increase in investment due to requirement of fixed deposit (in some cases)
In some cases banks offer relatively lesser avenues of payments (like no option is available for payment
through mobile, certain banks debt card and internet banking)
2) 3rd party vendors (Timeofmoney, CCAvenue)

Their per transaction fee ranges from 3.5% – 7% while the cost of procurement of the service will
range from 7,000 to about 40,000.
Positives –
Quick process, not as many documents or fixed deposits required
Large avenues for funds transfer available, as these vendors have tied up with number of banks.
Negatives –
Poor customer service
Long lag period in transferring of funds to your account (ranging from 1 to 2 weeks)
Higher per transaction cost
PayPal currently is not an option for the Indian vendors, as the USD funds are not permitted to be
transferred in Indian currency due to certain issues raised by RBI.
So make a wise decision considering all the pros and cons.
Vicky Pradhan
Founding Member,
bharatbuy.com
Reply
99. A
http://www.dialaflower.in
Reply
100. Sudarshan
March 13, 2010 at 10:34 am
Thanks a lot for starting this thread ..this is just what I was looking for!!
Reply
101. janardhanan
March 15, 2010 at 2:21 am
Just try EBS it looks good and highly secured,, you can have a best service over it ,,,
Reply
102. siva
March 15, 2010 at 11:44 pm
http://www.moneybookers.com – is one of the best option setup your account here in INR all your
transaction will be in INR and they are 60% less than all Indian gateway ….accept all CC and even
your debit card works in that. No setup fee, easy integration.
Reply
Rahul Pandey
Buddy, get your facts right, moneybookers does not allow everyone to accept credit/debit card
transaction. i.e, your customers will not be able to pay through credit/debit card, in order to
obtain these features you have to obtain special permission (which you will not get easily) plus
they have a limitation problem as well.
Reply
Panicker
Please guide me to the best payment gateway for receive payments globally without any
chargeback risk. My website is http://www.bendingschedule.com.
Reply
Reply
103. Umang
March 16, 2010 at 5:23 am
Hello,
Just to tell you that if anybody requires a payment gateway from ccavenue,direcpay or ebs. Then i can
offer you 10% or more dis. on their setup charges.contact me at – revolutionw@yahoo.com. Offer
only for Indian Citizens .
Reply
104. cybervillage kottakkal

March 25, 2010 at 8:01 am
which is the cheapest payment gateway available in India for online transfer
Reply
105. Rishi
March 30, 2010 at 8:00 am
Hi,
I am in the process of starting up an online business where my expected transactions will be few but
the cost per transaction is going to be very high. As such, I can’t afford to have any failed transaction
on my site.
Can anybody suggest a PG with a good track record and low rate of charge for the transaction?
Rishi
Reply
106. santhosh
April 8, 2010 at 6:59 am
ther is also another company 4 payment gateway which is billjunction, a venture of ICICI thats also
good
Reply
107. Sharad Pandey

April 9, 2010 at 8:02 am
Hi,
I am looking for a gateway which is economical as well secure for the transaction supporting currencies
-Dollar/Indian Rupee
Reply
Nikhil Gangurde
June 15, 2010 at 9:03 am
June 15, 2010 at 9:03 am
Hi Sharad,
whizPay is one of the solutions for you.
Reply
108. Retail Magica

April 19, 2010 at 8:26 am
rather interesting thread. very useful for startups, we think.
Reply
109. NS
April 29, 2010 at 8:49 am
I have gone through the all the comments ,however no one seems to concern about the chargback
issue. I hope whatever payment gatway is used it seems no one has read the fine prints of agreement.
The payment gatway will debit the merchant immediately on any chrageback request whether you have
delivered the product even after two months also . Recently we have a case wherin the order placed in
January was executed in time and materail delivered to party in Jan itself however we were shocked to
see that payment gatway has put the chargbeack in March 30th for the tran done in Jan and debited
our a/c. When we contacetd them we were asked to see the agreement and as per the agrement
merchant will be debited immediately . L ater provide the Proff of delivery , order details etc to take up
the case with Master/Visa network. we awere aslo told by gateway that these are card used
fraudulatenly by someone and now actual card holders has filed complain to their card issuing bamk in
turn issuing bank has sent to master visa and they debited paymant gateway and in turn mechant is
debited.
As the card details is given by the customer in the payment gatway only and there are 3 d secure or
3rd layer of security check etc at the time of authntication of tran by the gatways why the merchant
should be penalised for this. As merchant only give delivery of servicers/material based on the credit
given by payment gatway and have by no means knowing that the card is used is not fradualtenly
aquired by the person. We were told that all banks are govrned by the Master /Vise rules in India. I
have cheked even the ccavenue has this clause in the agreement and for tran done through stolen
card/information the merchant will be debited immediately.
So I request all of you to read the fine print of your agreement with the payment gatway and talk to
your payment gatways service provider and try to understand the chargback issues. I still feel that
merchant is at the reciving end in this process as they have no means to know that customer is using his
own card for the transaction or the fradualtely stolen card.
I would also like to know if any one has solution for this and any payment gatway in India who does
not penalise merchant for no fault of them.
Reply
Nikhil Gangurde
June 15, 2010 at 9:01 am
Hi NS,
whizPay is a solution to your problem.
Reply
110. N1
April 30, 2010 at 1:56 am
wef
Reply
111. Rajiv
May 5, 2010 at 11:55 pm
Which ones offer an API for integration? I dont want my customers to be redirected to another site for
payment.
PayPal offers website Payments Pro with an API but its not available in India.
IndiaPay offers one it seems. Has anyone used it?
Reply
Nikhil Gangurde
June 15, 2010 at 8:59 am
Hi Rajiv,
TalentBeat Inc also offers API in India.
Regards,
Nikhil Gangurde
Reply
112. Vishnu
May 8, 2010 at 3:30 am
Even though these payment gateways are active in India, we need more bargaining power to get the
best offer from them. Even paypal is a li’l expensive
Reply
113. Hariraj
May 9, 2010 at 12:00 pm
Quite useful information. I was also doing a similar research for my startup (www.longlongago.in).
Paypal has opened the services again in India. fyi.

Paypal has opened the services again in India. fyi.
Regards.
Reply
114. Rama Shanker Singh

May 10, 2010 at 1:11 pm
Can anybody help me for how can we use payment gatway.
Reply
Nikhil Gangurde
June 15, 2010 at 8:58 am
Hi Mr.Rama,
Please share your contact details with us,we will provide you all the required information.
Regards,
Nikhil Gangurde
ngangurde@talentbeat.com
Reply
115. Darshna
May 26, 2010 at 2:19 am
In case a payment gateway currently offering payments through the internet (online) wishes to enhance
its offering by integrating with a mobile platform.
Can anybody inform as to what is the process to do this? Are there any additional factors to be
considered here?
Reply
Nikhil Gangurde
June 1, 2010 at 8:44 am
Hi Darsha,
Talentbeat can help you with mobile application.
Regards,
Nikhil Gangurde
09028015733
Reply
116. Manoj
June 6, 2010 at 4:26 pm
I have gone through the comments..
My requirement is I need a payment gateway in India to do credit card and debit card transactions of
my customers in usa and canada. I need virtual terminal mode of transaction. my customers provide
card information through phone and i should able to do it from single place in india.
Is it possible? If so which payment gateway i should go for…please help me someone …
Reply
Nikhil Gangurde
June 15, 2010 at 8:53 am
Hi Manoj,
You can go for TalentBeat Inc (www.whizpay.net) for this solution.
Reply
117. Rupesh
June 8, 2010 at 7:09 am
gooD Help!
Reply
118. Rupesh
June 8, 2010 at 7:17 am
can anybody tell me…

i want E-Commerce revolution on my web site like Mobile Recharge if i signed with X payment
gateway, if any customer want to topup on his mob, then after entering his Mob no. and Amount, and
required credential then
Who exactly topup his mobile?? is it Payment gateway or needs any other setup for topup…….???
Reply
Nikhil Gangurde
June 15, 2010 at 8:52 am
Hi Rupesh,
Payment Gateway will only charge payment amount to user. But for your requirement
TalentBeat Inc. have solution of Prepaid and wireless card. Please share your contact details
and requirement with us on ngangurde@talentbeat.com
Reply
119. pallavi88
June 10, 2010 at 1:46 am
5/18/2011
June 10, 2010 at 1:46 am Comparison of payment gateways in I…
hi ,
i am about to launch my website with one of the payment gateways, looking at the above comments, it
seems really difficult, rather impossible to get ccavenue for us “sole proprietors” they say it like its a
bad thing ..so the only option seems like EBS or Directpay. the person designing my website managed
to get a reply from direct pay, where their rates are like almost exactly the same as EBS . So here im
confused…which one should i go for? im nt sure if tie ups with several banks like ccavenue is a criteria
for judging ebs n all ? can someone please help ….both ebs and directpay are known so i dnt know
what to really look at here
Reply
Nikhil Gangurde
June 15, 2010 at 8:49 am
Hi Pallavi,
You can try with whizpay also. (www.whizpay.net)
Reply
satish
July 7, 2010 at 5:07 am
go with a bank
regards
satish@9940022984
Reply
120. Helen
June 17, 2010 at 10:12 am
wow.. what an amazing thread of information.
I felt I just got my 101 on payment gateways. thank you.
I am an ngo looking for a payment gateway to accept donations world-wide. From my reading this
entire thread, it seems the options available in India are:
1. Indiapay
2.One97
3. Merchant Solutions
4. EBS
5. Talentbeat
I will contact all of them to see who offers the best deal and share it with all of you here. I can be
reached at 98103 88843.
Thanks to the person who started this.

Kind regards,
Kind
5/18/2011 regards, Comparison of payment gateways in I…
Helen
Reply
121. Aditya
June 17, 2010 at 12:04 pm
Hi,
We are still contemplating which one to use…Although finalised on going with CC Avenue now m
confused after reading the comments…please guide.
Aditya
Reply
satish
July 7, 2010 at 5:06 am
Hi aditya,
its better to go with a bank.reach me at 9940022984
Reply
122. Venkat
June 21, 2010 at 5:50 am
Would look forward to Helen’s exploration and learn from the experience. Looking for an online
payment gateway provider in India.
Regards,
Venkat
Reply
123. Helen
June 24, 2010 at 7:29 am
Hi All,
I called up a few of the payment gateway options and this is what I got. I asked in terms of an NGO.
- Indiapay – They seemed professional and had special rates for NGOs. They charge about 3% per
transaction. They currently do Cleartrip.com.
One97 Communication – They charge about Rs30,000 as a start up payment and then its 2.75% per
transaction
EBS – They said they dont do NGOs so we did not speak further
Merchant Solutions – he said an ngo had to be etablished for three years before they would consider
us so we did not speak further.
us so we did not speak further.
Talent Whiz – They also sounded quite professional and have different tiers of payments. They
sounded professional as well.
As an NGO, I would go for Indiapay. The only thing is if I would fit into their profile or not.
I wanted to ask if anyone had any recent experiences with Paypal in India. I am hearing a lot of mixed
reviews. Would really appreciate it if someone could let me know.
thanks,
Helen
Reply
124. shashank
July 1, 2010 at 3:08 am
I am planning to open a sub-broking outfit for stock market trading for my clients, i want my clients to
transfer fund onloine to my bank accoutn as they trade.
How do i go about it?
Reply
satish
July 7, 2010 at 5:05 am
hi reach me at 9940022984 i will help you out.
Reply
125. Arvind
July 1, 2010 at 11:52 am
I’m also getting mixed reviews about paypal and have been trying to apply with Indian payment
gateways to put on my site. Because I am in Australia, I can’t seem to find any Indian payment
gateway that would allow me to trade. Do I need to open an Indian bank account or something? Helen
have you regsitered with Indiapay. Has it worked?
Reply
126. Helen
July 4, 2010 at 5:55 am
Hi Arvind,
I haven’t registered with Indiapay as yet. I have opened an Account with Kotak Mahindra and they
have assured me that they will offer me a payment gateway service. I don’t quite believe them, and
once my account is opened next week, will have a clearer idea of it.
I actually got an email from paypal saying that they have legal and regulatory restraints in India so I
can’t use them as an NGO. Not too sure if it works for commercial enterprices.
You could sign up with them, its free, and see what they email back to you.
My experience has been that the best way for any info is to call up the company directly. Talentbeat is
a mobile number and someone picks up immediately and so is Indiapay, so you don’t waste a lot of
long distance money being put on hold.
Hope that helps..
Helen
Reply
127. Anuarg Bansal

July 7, 2010 at 8:03 am
Hi
Everyone
My name is Anurag Bansal .. and i need a online payment solution for my business . so i m so confused
.
i have to go with Third party payment gateway (ccavenue , EBS , Direcpay ) or i have to go with the
bank (HDFC , ICICI , CITI BANK ) .
so anyone can help me so please contact me via mail .
my mail is – anurag5@iname.com
Thanks
Reply
Pradeep Awate
July 9, 2010 at 12:05 am
Hi Anurag!
You can go for TalentBeat Inc (www.whizpay.net) for this solution. pawate@talentbeat.com
9561133222; 09819272490
Reply
Kunal
@Pradeep,
I visited your site and found that WhizPay supports for RFID. I want to know details
about this option. If you can share some demo, it’d be great!
Thanks
Reply
Awate Pradeep
Dear Kunal
Please mail me your Company profile and your requirement. on

pawate@talentbeat.com or call me on 9561133222
Reply
ICICI Bank Care

July 14, 2010 at 7:27 am
Hi Anurag.
We are the customer service team at ICICI Bank. Please email us your contact detail at
care@icicibank.com and we will contact you at the earliest. Kindly refer “547298” in the
subject line.
Regards,
ICICI Bank Customer Service Team
Reply
128. Manish Kumar

July 8, 2010 at 2:59 am
Hello Anurag,
I believe setting up third party payment gateway would be the easiest both in terms of software
integration and paperwork involved initially. I would suggest look at EBS and ccAvenue in detail. I
have created a list of points that may help you zeroing down on one of the options. Here is the link
http://www.friendsofbooks.com/blog/top-ten-questions-for-payment-gateways
Thank you,
Manish
Reply
129. pallavi88
July 10, 2010 at 3:28 am
ok so here is the issue …
cc avenue seems to be good..but has something against sole proprietors……. i have contacted them
lets see their response if this is really true..
then comes direct pay….they want you to upload your website, go live and then after 15 days or so
they will consider the application.. so basically i would have to upload an e commerce website without
an option to sell……. they will take their own sweet time to consider after maybe people think my
website is useless…
website is useless…
now come to ebs . they responded really fast and were totally ready to start the process..(really fast i
mean i got a call and an email within an hour) they were like not even ready to wait for me to consider
..which made me feel a bit wierd…
i would want to know if anyone is using ebs, i mean are they good ? their tie ups are less considering
cc avenue or direct pay. and im running out of time.
what to do ?
Reply
130. pallavi88
July 10, 2010 at 3:34 am
for satish
taking a bank payment gateway,

i contacted my own bank hdfc, their system was relaly wierd.. they wanted me to be running my
business for like atleast 2 years prior to opening the website, plus they wanted an fd for about 10 lakhs
to be made against a payment gateway. it makes it almost impossible to go for..maybe any other banks
are might be not this unreasonable ..what would u suggest then
Reply
131. Manish Kumar

July 10, 2010 at 6:51 am
Hello Pallavi,
ccAvenue paperwork does seem daunting, but is usually not an issue. We were able to get an account
as sole proprietors. EBS is also good, and yes, they are prompt.
Manish
Reply
132. PALLAVI
July 12, 2010 at 3:31 am
hi manish,
so you are using cc avenue then or ebs ?
Reply
133. Farhat Bakshi

July 12, 2010 at 4:20 am
I have never used CCAvenue before. I have always used ICICI and found it very nice. Good
customer service and timely response. No problems so far.
But I will surely give CCAvenue a try as well.
Also, I wasnt aware that IRCTC provided details of transcations. This is really good.
Reply
ICICI Bank Care

July 14, 2010 at 12:11 am
Hi Farhat,
Thanks for giving us your valuable feedback. We are glad to provide excellent services to all our
customers.
Regards,
ICICI Bank Customer Service Team.
Reply
134. Manish Kumar

July 13, 2010 at 5:04 am
Hi Pallavi,
We are currently using ccAvenue.
Manish
Reply
135. Pradeep
July 14, 2010 at 5:34 am
Someone said paypal can be used in India…. I am launching my business and website newly and don’t
want to spend thousands and lakhs just to get a payment gateway.
From my understanding and what I learn from above comments about paypal
PROS:
Paypal is free to start (no setup fees)
Easy to integrate in websites with lots of APIs and examples available
CONS:
INR payment is not possible in paypal
Other then some 3-4 % transaction fee, I also need to pay some 3% currency conversion to INR
To get the money to India it may take as long as 60 days or more.
Is their more about payapl to be used for business in India with customers worldwide. If someone is
using it please share your experience. People here said that their are mixed reviews about paypal, it will
help in knowing these reviews.
I am fine with accepting payments in USD as long as customers in India can also make such payments
using their credit cards and online payments from Indian banks.
Can someone share their experience about real time taken to get your money from paypal to your
bank account in India. What all is required to get paypal account for business in India, also any issue
we can have using paypal gateway…
Reply
Rajesh
July 15, 2010 at 12:06 am
Hi pradeep,
I found whiz Pay as a great gateway. its a indian company but was doing business in US.
recently they started providing services in India. i was really confused in selecting a gate way
and was not interested in entertaining new companies. Just to do research I gave a try by calling
up this company (Talent beat). and i found that they support 36 country currencies . And
various other features that they provide are unique in India.I am very happy by looking at the
results.
Thanks to startup duniya for providing me their contact number they are quick in responding and
very professional.
Thanks Talent Beat!
Reply
136. Rajesh
July 15, 2010 at 8:36 am
It should have SSL encryption, and PSS-DI certification

What are the various payment options you want to use?
It should be user friendly
Should have good customer support
Few things should be kept in mind before choosing A gate way:
It should be quick in importing and exporting data for accounting

There should be no need for you to be present at every transaction that occurs
Should know Shopping Carts are compatible with your intended payment gateway
currency conversion
100% Server up time
IP Address mapping
Always think of long term cost
Reply
137. RP
July 18, 2010 at 11:32 am
We are looking for some best

startupdunia.com/…/comparison-of-p… web/portal designing companies who can design,develop,maintain. Our
75/125
We are looking for some best web/portal designing companies who can design,develop,maintain. Our
idea of the portal should offer services like online bill payment (utility bills, mobile bills etc.,) ECS,
NEFT, RTGS, by accepting all the online banking systems, credit cards, debit cards. Also, this portal
should include the income tax payment. Can anybody who would like to work on this please contact
us on our email ID: sindhwin@yahoo.co.in
Regards,
RP.
Reply
138. Praveen
July 27, 2010 at 1:07 am
HI, I woudl like to know one solution for payment gateway
Reply
Manish
July 28, 2010 at 6:17 am
Hi! praveen
Can you provide your business details so that we can advice you on the similar lines
Reply
139. Kamlesh
July 28, 2010 at 8:01 am
Hi,
We are going to develop one Application which is based on Cellphone SMS. In our application End
user will buy/pay some government stuff(like Electricity bill, Wealth Tax etc.) by a single sms. We are
facing a problem of payment. We thought following options.
Money will deduct direct from Prepaid Connection Balance and Mobility Service Provider (Like
BSNL, Reliance etc.) will handle remain transaction with government.
So we need to know that, is this a possible way of payment or not?

If not than please guide me some possible way for payment.
Reply
Pradeep Awate
July 29, 2010 at 12:35 am
Hi Kamlesh!
Please share your contact details for further discussion
Regards
5/18/2011 Regards Comparison of payment gateways in I…
pawate@talentbeat.com
Reply
Kamlesh
July 29, 2010 at 1:15 am
Hi Pradeep,
You may contact me on: 9374131157

email id: kamlesh4821@gmail.com/yahoo.com
Thanx for response
Regards,
Kamlesh
Reply
140. CCAvenue 4 Less

August 3, 2010 at 4:48 pm
Nice and fruitful discussion going over here. If anybody interested in getting ‘ccavenue’ account 4 less
than displayed on their website. Just get in touch with us.
sales@unichost.com
Reply
Ravi
Please contact me I am interested …If you offer reasonable fee…Because the business which I
am going to start………. has very less margin around 2% to 3%.
Reply
141. Dave
Hey guys,
Do anyone know whether there is any recurrence option in CCAvenue API so that I can charge my
customers on regular basis(monthly/yearly) automatically?
Thanks
Reply
142. Prashant
Hi Dave,
Hi Dave,
I am not sure about CC Avenues regarding this solution but yes Talent Beat (whizpay) can definitely
help you regarding this solution.
Reply
143. Ravi Mittal

Hi Pranav,
I was really happy to see a detailed comparison and discussion here on payment gateways.
I am myself looking for a payment gateway and had contacted indiapay and ccavenue. But they are not
willing to provide their services for ‘Social Networking Websites’ saying they fall under high-risk
category.
Could you throw some light into what this could mean? Ofcourse, my website will be clean and niche.
Please comment.
Regards,
Ravi Mittal
Reply
144. Kasi Viswanath Reddy
August 13, 2010 at 2:42 am
which is better EBS Or CCAvenue ,
Reply
145. Navraj
August 13, 2010 at 7:46 am
Hi Kasi
After all the discussions, I feel that CC-Avenue has some issues and EBS seems to be a better bet.
Reply
146. Sachin
August 16, 2010 at 4:15 am
Hello All,
I have developed one e-comm website where prices are in Indian currency and for this I wanted to
merchant account where user can user credit card and debit ard as well. I preferably looking for
paypal solutin.
My question is can paypal support for indian ruppees without converting them into USD?
or please give me best solution for payment gateway where currency is ruppees only.
Thanks in advance,
Sachin
Reply
147. Paresh
August 19, 2010 at 1:35 am
can any one sugesst me the best gateway available i am getting confused by reading the Comments.
Reply
Hi Paresh,
I should say to you, Please visit
Your confusion will clear… Sure…….
Regards,
Vikrant
09891692294
Reply
148. Ravi Mittal

August 20, 2010 at 7:51 am
I would like to clear a few doubts people are having with the experience I have had till now for getting
a payment gateway.
1. CCAvenue sucks because they are too snobbish to take your request. They have about 4000
customers and unless you are very potential to them, they will discard you saying your services are
illegal.
2. Times of Money and ABCpayments have the same issues.
3. EBS was quite responsive. They understood my requirement.
4. Talent Beat were the 1st one to contact me. I would have loved working with them but they do not
have net banking options and a very few debit card linking.
All in all, there is a big time monopoly of CCAvenue, EBS and TimesofMoney. They will take your
request at their own interest. They all are doing excellent business (one of the players in my city is
adding 30-40 portals every month!).
Its high time anyone in this forum thought of starting a payment gateway service. It could be quite
profitable!
Reply
149. Anuj Agrawal

August 21, 2010 at 6:26 pm
Hi,
This page is very informative. I’ve a big problem. I provide online technical support services to
USA/UK by the name of http://www.pccare247.com. I tried using paypal for taking payments, but
they’ve blocked our account and cancelled it and held the payment for 180 days. I tried EBS, they
accepted payments for some time and then freezed the account and help our amount for 180 days.
What can be a reliable permanent solution for me? Someone suggested opening a US company and
opening a bank account with a US bank and getting their gateway is the solution for everything. Can
somebody explain what should I do?
Reply
Rahul Pandey
Don’t blame the gateways because what you are doing is illegal and falls under cyber crime
(remote access in illegal in many countries, plus you breach their privacy policy which is clearly
stated in their TOS). this will continue to happen with all the gateways when they will come to
know about you business.
Reply
150. Tariq Mumtaz
August 30, 2010 at 10:31 am
Hi,
Thanks for the information. Our company is also looking for e-commerce solution. We had emailed all
the players and now waiting for response!!
Reply
Pradeep Awate
Hi Mr. Tariq
We will provide with the solution you are looking for

mail us at pawate@talentbeat.com or you can reach us on 9561133222
Reply
151. Praveen Kumar

August 31, 2010 at 12:33 pm
Having high regards to this Topic which is opening up knowledge sharing to avoid pitpalls of PG…
We are looking for adding a payment gateway system on our website, we are into Niche business
similiar to 99acres.com in terms of revenue generation, we have user mostly from outside India in ratio
of 60% foreigners and 40% Indians. Volumes are in start up range not big. Which payment gateway is
most reliable, efficient, economical and easy to use.
My initial Plan is plan was with CCavenue primary becos of More bank tie-up ignoring the fact of high
TDR but they have this limitation with their 2 gateway which willn’t overlap to ful fill my requirement…I
wanted INR charged for indian users and for Dollar transcation for Outside India User though I have
designed website to show product values in their local currency , but transcation in PG for all Non-
Indian users will be dollars irrespective of their local currency….which means INR & DOLLARS are
only two currency used….They suggested me to have 2 a/c from each gateway
In the same thread , I see someone using 2 gateway…I’m not sure wheather this is opt solution…
Provide me your suggestion.
We shall be happy to install a payment gateway system on out site, if the pricing offered is competative
and right immediately within a couple of days time.
Thanks and please reply at 121praveen@gmail.com
Reply
152. binu
dear friends
i want to implement a payment gate way in my new website related to insuracne.
which gateway is usefull and economicaly good for my website.
binu
Reply
anant
Binu,
We can provide you the payment gateway/Net Banking @ lowet TDR in market.
For more details, get in touch with me on 09925250025
Reply
153. Anu Surendran

Hi All,
I am planning to start a website

startupdunia.com/…/comparison-of-p… and have read all the posts above. Now I am utterly confused on what
81/125
I am planning to start a website and have read all the posts above. Now I am utterly confused on what
to do. I will tell you my requirements.
1. I will have Indian as well as International customers. To make things clear; anyone logins from india,
will be directed to the INR Page and any from the rest of the world to Dollar page.
(CC Avenue has different login for INR and Dollar transaction; So I am confused whether I should
setup different accounts I don’t know!!!).
2. I need a gateway which will charge me less, because large amount transaction is going to happen.
3. Easy processing (Should not take much time)
4. Transparent..(No hidden things)
Any one of you can contact me with all the details including setup,amc, charges for transaction etc.
Contact me personally if you can..
email:anusurendran@gmail.com
Reply
anant
Hi Surendran,
Payment settlement needed in INR or Dollar.
Reply
154. Anu Surendran

Settlement can be done on INR. I mean, both indian customers and international customers should be
able to make payment through one gateway.
Reply
anant
Yes, It can be done…. We can provide the payment gateway solution.
I have send the detail presentation on your email anusurendran@gmail.com
Pls. go throgh the same.
Reply
sanjay
I want to implement gateway account on my website please send proposal with complete
expenses.
Reply
155. Venkat
Hi all,
We want to use online payment gateway to receive the application fees from candidates. Which one is
good to use in this requirements.
Regards,
Venkat
Venkat.williams@gmail.com
Reply
156. Guest House in Gurgaon

I am also on same que payment amount is low but no. daily transaction is high earlier using paypal but
now want to shift can anyone suggest which is good apart from ccavenue
Reply
anant
Hi,
We can offer you the payment gateway.
pls. give me you email id for proposal or mail me on

anant.bhavsar@atomtech.in
or call me on 09925250025.
Regards,
Anant Bhavsar
Reply
157. Zahid Bajwa

Payment Gateway Comparative Analysis.

http://www.ccavenue.com/content/comparative.jsp
Reply
Arshdeep
Thanks Zahid.
It does help that is all that I was looking for.. a fat based comparison of the payment gateways..
Reply
158. Navneet
This is the most informative thread i have ever seen.
I wish to share my experience and concerns regarding providers of PG.
1. Banks seem not interested at all. After a long chase No reply came from ICICI.
2. Then somebody told me about One97. Abhishek visited and convinced me about their services.
Charges were too high 7%. But no other options seemed working. Over that they wanted ICICI
people to visit my office( Visit was made- All systems were shown. They were impressed- Running
business for 5 years, All documented business and No scope of any fraud. But still bank would require
me to have an FD. Quite confusing.
3 Nothing happened after that. Now it is nearly a year. Never received a call from one 97 despite
giving them Rs 10,000 by cheque as advance for setup. No contact by themever during this period .
4 I still need the services of a good PG but my experience has shaken my interest.
5 Meanwhile , i kept on motivating customers to deposit money directly into my roaming account. The
sales grew 10 times during this period – but i lost a growth of 25 times because of ICICI and one 97
together.
6 My word of advise, They would love to have you on their client list if you are a tata or reliance
company but shall be least supportive if you are a startup.
7 I would love to hear from One97 or ICICI on my mobile 91-9718215656
Best wishes to all startup companies,

Navneet
Reply
ICICI Bank Care

Hi Navneet,
We are sorry for the inconvenience caused. Please write to us with your contact details at
care@icicibank.com and we will get in touch with you at the earliest to address your concern.
Kindly refer “718789” in the subject line.
Regards,
Regards,
ICICI Bank Customer Service Team.
Reply
159. Tattoo Shop in Bangalore

USJewellery and Tattoo is a most unique studio, catering exclusively to your custom tattooing needs in
Bangalore. US Tattoo firmly believes that with an open mind and a vivid imagination, it is possible to
turn the tattoo of your dreams into a reality.
Reply
160. Amit Kalkhandey

Hi there,
We are a call center in New Delhi and we need to charge our customers in UK as we dial in UK, so
can you let me know about the same.
I need a service where i can login and charge my customer’s debit and credit cards against our
services.
do let me know ASAP.
theaddress@aol.in
Reply
anant
Hi Amit,
Can you tell me what king of product and services you are providing to UK customers.
You can send me the details on anant.bhavsar@atomtech.in or you can also get in touch with
me on 09925250025.
We are providing different kind of payment solution over Internet, IVR and Mobile.
I need to have proper understanding about your business process. So that I can provide the
perfect soluiton which will full fill your requirement.
Reply
161. Chetan
I am a Startup company. looking for gateway I want all the major credits cards.
looking at the current requirement i did the inquiry with all the players.
CC Avenues Charges x% for transaction through Amex, Diners, JCB, where as it charges y% for
transactions through master and visa. which is quite Expensive.
Can you guys tell me what is the volume of transaction through American Express, Diners, & JCB so
that i can make decision?????
I Don’t think that transaction volume through these International cards is more than 5%.
what you Guys Think????
Please share your Experience
Thanks in Advance for all your valuable Comments.
Reply
162. Chetan
please visit the following URl to know the frauds of PAYPAL are they true
http://www.techtree.com/India/News/PayPal_Payments_To_From_India_Blocked/551-109181-
643.html
Reply
163. Chetan
Please visit the following url About the Paypal frauds are they true any suggestios
643.html
Reply
164. Chetan
643.html
Reply
165. R. Arora
Hi All,
This is great imformative page. I am going to launch a listing based website (sole propreitor) next
month where customers from across the globe including India will make payments for listing /
advetsitment. Interested suitable PG to pls. contact me at my below e-mail ID with details. Ours is a
advetsitment. Interested suitable PG to pls. contact me at my below e-mail ID with details. Ours is a
global look site where customer ideally should know the site owner belongs to which country, as it has
no relevance and same for all users across the globe. I did some research on PG. Some of my
questions here as follows:
1. CC Avenues offers option of INR and USD accounts. The problem is that in case if I select INR
account of CC Avenues, as I could read on CC Avenue website that the customer will come to know
that the dollar payment is getting converted to INR which is not in line to our requirement of
maintaining a global feel of the site.
2. If I select USD account of CC avenues, it meets our global feel requirement but it does not provide
facility for Indian customers to pay by debit card and NEFT thereby chances of losing many
customers. Correct me if I am wrong.
I would prefer to have a PG which in addition to all statutory requirements fulfils our following needs:
a) The customer should not come to know during that transaction that money is getting converted to
INR so that the global feel of the website remains.
b) The Indian customers should be able to pay through options of credit card, debit card and NEFT
(same like Indian railways site)
Can someone suggest a PG who can provide one account to meet all these needs of ours or otherwise
may be we will have to take both accounts of INR and USD of ccavenues.
I cannot go for fixed deposit with any banks and cannot wait for any PG’s condition to launch the site
first and payment integration later after few days. Payment integration with the website must be befoe
the launch of the website.
Also, does CC Avenues or any other PG offer to have only one time setup cost for me irresepective of
any no. of website I launch.
Looking forward to early reply.
Regards,
R. Arora
rajesh12arora@yahoo.co.in
Reply
166. ABHINAV PAMNEJA

Hi,
If anyone of you require Payment Gateway ( on Web / on Mobile), please feel free to contact me at
9560446668 or mail me at abhinav.pamneja@one97.net
We can get you the best service in your city.
Reply
167. William Smith

Payment Gateway is really a gift of technology, making the online transaction to be an ease to do. I too
have recently integrated payment gateway to my website. http://www.primeofficefurniture.com
Reply
168. sandeep
this thread has long stories, right from years. My straight Question is, whats is the cheapest and easiest
way for small scale web developers, ??
pls help me in my confusion, thanks in advance
Reply
169. hashem
Hi All,
I’m planning to post my website live in a month’s time (Start Up), looking for some PG. I’m from
southern part of India and my business will focus in India majorly. As of now, I have got the list of
major players in PG area from this website. I will be contacting them ASAP, but just in case if there is
any PG service provider who is interested please ping me and we can discuss further.
Thanks for all the people who have shared their valuable suggestions and experience; I will do the
same in few days.
Regards
Hashem
Reply
Anant
Hi Hashem,
Pls. provide me with your contact details for further discussion. OR you can contact me on
09925250025 and anant.bhavsar@atomtech.in
Regard
Anant
Reply
170. Amit Kr Gupta

We are the most trusted name

startupdunia.com/…/comparison-of-p… in payment processing in the country, and are committed to providing
88/125
We are the most trusted name in payment processing in the country, and are committed to providing
you with a comprehensive payments processing platform that keeps pace with your business.
Tech Process Solutions Limited (TPSL), (formerly known as Bill Junction Payment Limited), was
setup in the year 2000 to provide Electronic Bill Presentment and Payment services in the Indian
market. Over the years the Company has gained tremendous experience in handling financial and non-
financial data as well as fund management. TPSL is one of the leading providers of transaction and
payment processing services across a spectrum of industries in India. Our services include processing
transactions [debit as well as credit side] for the telecom, insurance, mutual funds, credit card
companies, banks and NBFCs, Educational Institutes.
We provide a various payment services like ECS Processing ,NEFT/ NECS ,Cheque Processing
,Direct Debit and Credit Electronic Bill Presentment and Payment , Online Card Based Payments ,
Online Direct Debit Payments (Net banking), Data and Document Management and Software
Solutions.
Kindly contact if you require payment gateway or any for further clarification/s:
Amit Kr Gupta
0120-4026132
amit.gupta@techprocess.co.in
Reply
171. Niraj
I am looking forward to have a payment gateway to my website http://www.kotharijewelry.com to

process international credit and debit cards. Kindly guide me……
Reply
172. siddharth
Just visited EBS site… I don’t think they support state bank debit cards. In case your customers don’t
have an net banking (many don’t) account, it may prove to be a huge drawback…
Reply
173. bbc news america

October 20, 2010 at 10:10 am
Hello there….. I really enjoy reading your blog! If you keep making amazing posts like this I will come
back every day to keep reading.,,,,,,,,,,,,
Reply
174. Avnish Mishra

Hi,
Hi,
Here is me Avnish Mishra. I just want to confirm that is der any possibilities to get MOTO Payment
Gateway/Merchant Service. I have International Customers. Daily business Up to 5 Lac INR.
Drop an e-mail avnish_mishra18@yahoo.com
Reply
175. Vikas Sharma

Dear Team ,
I do not sure about one thing which all of you are saying that paypal does not transfer the amount to
Indian Bank Account .
I am using Paypal from last 3 years . What I have done :

1- I am using Magento .
2-In background I convert the price from US$ to INR . ( In website it will be show in India Rupees it
will reduce the currecy exchange rate also which is charges by Paypal .
For example : product Price is 1000 Rs. and today currency exchange rate is 45 Rs. so total amount is
22.22 US$ (-) 4% =21.3312 US$ will be charged to customer which will be equal to 1000 Rs. after
currency exchange .
3- Once I will get 21.33 US$ in my account , there is option for NEFT Transfer to Indian Bank
account . Normally I transfer to SBI account . And I get money with in 2-3 days .
This is best option to use because no annual maintinance , no setup fees .
Other options like CC avenue ,ICICI Payseal,HDFC are best but for large enterprise who has atleast
everymonth 2-3 Lac Rs./ of sale .
Thanks & Regards
Vikas
Reply
Suresh
Hi Vikas,
Just needed some info from you. In your case, I beleive that you are accepting only credit cards
and not any netbanking. Is that right? Am asking this as paypal supports only credit cards.
Also, one thing I want to ask out of the PG topic is about Magento. I am starting a new
ecommerce site and I plan to use magento. Can you tell me hw is it working for you and also if
you know any good Magento developers.
Really appreciate your reply on this. Thanks a lot in advance.
Reply
Anonymous
Hi Vikas,
I wonder how much the bank charges you on the NEFT transfer.
“Once I will get 21.33 US$ in my account , there is option for NEFT Transfer to Indian Bank
account . Normally I transfer to SBI account . And I get money with in 2-3 days”
Everytime I do such a transfer, bank invariably charges a commission (around 0.3%) or changes
the Currency Conversion Rate for this transfer service.
Secondly, how do you reconcile/track your exact margins given the different currency rates at
different stages of transaction (catalog browsed, order placed, order dispatched, payment
processed, funds released in USD, funds transfered via NEFT).
Appreciate a private response to my above email ID
Thanks
Vinodh
Reply
176. vishwanath singh

payment gateway startup cost and support feature
Reply
177. Jerish
I am in the process of starting up an online business where most of the cost per transaction is going to
be very less (Lets say less than Rs.50).
As such, I can’t afford to have any failed transaction on my site.
Can anybody suggest a PG with a good track record and low rate of charge for the transaction?
Is it still worth to use Paypal service for these kind of small amount?
Reply
Awate Pradeep
October 28, 2010 at 12:01 am
We are delighted to introduce whizPay for Indian merchants….
whizPay is a modular multipurpose, PCI-certified Gateway. With whizPay you can process
Master/Visa Credit, Debit Cards. whizPay is the only payment gateway in India to process Gift
and Loyalty Card Transactions. Along with this features you can execute different Campaigns
with us including but not limited to Email, SMS, Loyalty, Advertising and Marketing.
Below are some of our features:
• Affordable pricing to
startupdunia.com/…/comparison-of-p… exploit E-commerce opportunities. 91/125
• Affordable pricing to exploit E-commerce opportunities.
• Easy 1-2-3 Step Integration.
• Works with any shopping cart.
• Highest level of security with PCI DSS and PA DSS Certified Platform.
• 24 Hour settlement of transactions.
We ensure that our clients are kept on top of their competition through our solutions and
integrations. More than delivering a Solution, we deliver the Idea of ruling the Business concept
through our solution.
Reply
Amit Kr Gupta
Dear Jerish
Kindly share your contact details or contact at below mentioned:
Mob. # +91-95827772220
Paypal is a good option if your target segment is foreign markets.
Reply
Hi Jerish
Please visit
In this…. All VISA & Master Cards are accepted it can Debit Or Credit Cards inssued by any
National Or International Bank.
Regards,
Vikrant
09891692294
Reply
178. Soan
The information regarding the payment gateway was very useful.

I went through all comments too.
I am not sure if Ccavenue presents a good opportunity for start ups as they charge 7% for an economy
plan.
I contacted ICICI and they have a criteria of minimum 1 Crore revenue for applying for their Payseal
gateway. This is really funny. They are not approachable for any start-Up anyway!
Reply
anant
Hi Soan,
We can offer you the payment gateway @ affordable price.
For more details , You can contact me on 09925250025 and anant.bhavsar@atomtech.in
Reply
Hi Soan,
Please visit
In this…. All VISA & Master Cards are accepted it can Debit Or Credit Cards inssued by any
National Or International Bank.
We will have a good Deal…Sure
Regards,
Vikrant
09891692294
Reply
179. sanjay
please send solution for implementing gateway account on my web -dsandpd@gmail.com
Reply
180. Website Design Delhi

So guys whats the final outcome.

Which payment gateway should we use for accepting payments in India?
Reply
Final Out – USe your Brain……
Reply
Final Outcome – Use your Brain……
Reply
181. Coral Shiraishi

Greetings I recently finished reading through through your blog along with I’m very impressed. I
actually do have a couple inquiries for you personally however. Do you consider you’re thinking about
doing a follow-up posting about this? Will you be likely to keep bringing up-to-date as well?
Reply
182. Pradeep Kumar

A new payment gateway is being developed

http://zaakpay.com. They are not online yet. For any future startups this info might be useful.
Disclaimer: I’m not working for that PG, I’m looking for a good PG, came across them while
searching.
Reply
Amit Kr Gupta
Dear Pradeep
Kindly contact at below mentioned if you are looking forward for online payment solutions.
Regards
Amit Kr. Gupta
Mob. # +91-95827772220
LL (Direct) # 120-4026132
Reply
183. Sandeep Kumar

I am also looking for a payment gateway for my Project management software.
Still unable to decide which one to choose for Indian clients.
CCAVENUE is a choice but is there any other low cost payment gateway?
Thanks I will keep waiting
Reply
Amit Kr Gupta
Dear Sandeep
Kindly give us an opportunity to discuss with you regarding payment gateway services.
Regards
Amit Kr. Gupta
Mob. # +91-95827772220
LL (Direct) # 120-4026132
Reply
Raj
Dear Amit,
I believe that your mobile no is incorrect in your post, showing 11 digits.
Was trying to send you an SMS but could not, hence have sent you an email.
We have to finalize a Gateway within 24 hours and I hope we get to talk before that.
Would appreciate if you can give me a call on the number given in the email I sent you
anytime as soon as possible.
I have given up on using DIRECPAY ( I hope these guys are reading this) as had got a
mail from them week back about someone contacting us. A week gone, no call.
Today morning managed to get through to their Phone Support in Mumbai after calling
for hours, thought they are on unlimited holidays.. , the lady told I would have you
called in an hour…It is now 9 hours since then and no call, no email and no one picked
up the ringing phones since that time….
Perfect case study of how to spoil a brand, they have surely lost a customer and with our
long term plans, surely something they might regret over time..
Thanks,
5/18/2011 Thanks, Comparison of payment gateways in I…
Raj
Reply
Awate Pradeep
Dear Raj,
If you are looking for a payment gateway, then please get in touch with us.
Regards,
Pradeep Awate
pawate@talentbeat.com
0961133222
Reply
Anant
Dear Raj,
I can help you out…pls contact me for more details on 09925250025 OR drop a
mail on anant.bhavsar@atomtech.in
Regds,
Anant
Reply
Amit Kr Gupta
Dear Mr. Arora

I am grateful to you for showing interest in our services and giving us an
opportunity to discuss with you regarding online payment solution.
As discussed over telephone yesterday, i have mailed you our comprehensive
product note.
Thanx for the update regarding mobile number, i am mentioning the correct mobile
no. below
Looking forward for fruitful association with your esteemed organisation for mutual
benefits.
Regards
Amit Kr. Gupta
+91-9582777220
Reply
Reply
Hi Raj,
Please visit
In this…. all currency and All VISA & Master Cards are accepted it can Debit Or
Credit Cards inssued by any National Or International Bank.
Regards,
Vikrant
09891692294
Reply
Hi,
Please visit
In this….all currency and All VISA & Master Cards are accepted it can Debit Or Credit Cards
Regards,
Vikrant
09891692294
Reply
184. Goa
For International transactions PayPal is easy & fast way.
Reply
Vikrant
January 25, 2011 at 12:35 am
January 25, 2011 at 12:35 am
Hello,
I am Vikrant from Cyberastro Technology,
Please visit
In this….all currency and All VISA & Master Cards are accepted it can Debit Or Credit Cards
Regards,
Vikrant
09891692294
Reply
185. kather
I am looking for any National Payment Aggregator developed in India, using any of the gateway or
IBM payment Gateway. Could anyone help me?
Reply
Vikrant
January 25, 2011 at 12:42 am
Hi Kather,
I hope, below link will help you to understand about our payment gateway service for your
business.
Please visit
In this…. all currency and All VISA & Master Cards are accepted it can Debit Or Credit
Cards inssued by any National Or International Bank.
Regards,
Vikrant
09891692294
Reply
186. Avnish Mishra

Hello,
Here is Avnish Mishra. I just want to confirm that is der any possibilities to get MOTO Payment
Gateway/Merchant Service. I have International Customers. Daily business Up to 5 Lac INR, I am
really in need.
Drop an e-mail avnish_mishra18@yahoo.com
Reply
Vikrant
January 25, 2011 at 12:49 am
Hi Avnish,
I have sent you a mail regarding our payment gateway service.
Please visit & CHAT with me :-
Regards,
Vikrant
09891692294
Reply
187. website designing kerala cochin

I am also looking for a payment gateway for my Project management software.
Reply
Awate Pradeep
Hi,
Please drop an email to pawate@talentbeat.com

or call us on 09561133222
Reply
Vikrant
January 25, 2011 at 12:52 am
5/18/2011 January 25, 2011 at 12:52 am of payment gateways in I…
Comparison
Hi Website designing kerala cochin Team,
Regards,
Vikrant
09891692294
Reply
188. Raj
I have an Australian company and currently accept payments only with Paypal on our website (works
perfectly outside India but Paypal declines all Debit / Credit cards from India!).
I would like to expand to India. Can any one please suggest me any Payment gateway service that
would support an Australian company ??? I want to avoid the hassle of registering as an Indian
company etc and just go straight to signing up for Payment Gtwy.
Please suggest me some good PG services.
Reply
189. Dhiren vyas

Is there any other options than EBS ?cause EBS’s Price is Quite higher for me …can someone suggest
good payment gateway for indian and international both transactions ?
Thanks in advance ..
Reply
Vikrant
January 25, 2011 at 12:55 am
Hi Dhiren,
We are accepting all currency and

startupdunia.com/…/comparison-of-p… All VISA & Master Cards it can Debit Or Credit Cards100/125
We are accepting all currency and All VISA & Master Cards it can Debit Or Credit Cards
Regards,
Vikrant
09891692294
Reply
190. ullas
Hii,
We are looking for payment gate way syatem with our annual charges.Ours is a small hotel and we are
looking for budget plan only.please contact us on info@coconutcreek.co.in
regards
ullas babu
coconut creek kumarakom homestay and houseboat
Reply
191. amit
Is there any free payment gateway accepting credit card,debit card and net banking payments????
Reply
192. Ankit
I plan to sell paperback books with all copyrights on website , delivery by national or international
speed post parcel after receiving payment. I want no chargebacks as that would simply ruin my
business , my refund policy would be clearly stated on my website. One method is to accept payment
directly in hdfc account and dispatch parcel after confirming it by logging in to netbanking acc. Can I
accept wire transfers from customers abroad to hdfc account, are they subject to chargebacks ??
thx in advance
Reply
Amit Kr Gupta
Dear Ankit
Best wishes for your project ahead.
If you think wire transfer could fulfill your requirement then you could go ahead with same. But
in case of WT no one could place order online, he will just transfer the fund depending upon
telecommunication.
5/18/2011 telecommunication. Comparison of payment gateways in I…
In case you want someone to visit your web site and place order then in such scenario, i would
recommend you to take only take net banking facility wherein charge back option is quite less
and even if it happens then you could charge the same to the end user who has placed the order
as money would have been debited from end user’s a/c.
In this regard TechProcess Solutions could provide you net banking facility of 22 banks where
in any user having a/c in any of the bank could place the order online and make the payment.
For further details you could contact undersigned:

Amit Kr Gupta
+91-9582777220
Reply
Ankit
Thanks Amit for your reply , I checked the Tech Process website looks fine especially
the volume of transactions handled. But it doesnt mention how fast the merchant gets
paid.
Reply
Amit Kr Gupta
Dear Ankit
Thanks for showing interest in our services & giving an opportunity to discuss with
u regarding same.
TPSL does payment settlement on T+2 days basis wherein T refers transaction
date with real time confirmation through Admin module provided to Merchant.
For further information kindly drop me a mail, contact on the number or provide ur
contact details.
Looking forward for fruitful association with you for mutual benefits.
Regards
Amit
Reply
Ankit
After making some headway in my project , I’ll get back to you.

Thanks Amit
Vikash
5/18/2011 Comparison
December 31, 2010 at 5:07ofam
payment gateways in I…
amit, v interesting post.

We are planning to get into Indian market and I would be looking some more post from
you.
Most important thing for me is user friendly and unfilled transection.
Would love to hear from you
Thanks
Reply
Vikrant
January 25, 2011 at 12:59 am
Hi Ankit,
We are paying directly to your indian bank account every 14th day.
Regards,
Vikrant
09891692294
Reply
193. Ankit
I mean my own publishing house , owning copyrights.
Reply
194. Sachin
Hi,
I am launching a web-portal providing services in the education sector in India. The transaction size will
be small (Less than Rs. 50) and the business will be seasonal with operations only for 3 months in a
year. I am expecting the value of annual transactions to be less than 30 lacs for the first year.
Please suggest a PG for the same. I think EBS and CCAvenue hold some promise. However high
start-up costs and/or high TDR will be an issue.
Regards,
Sachin
Reply
195. Amit Kr Gupta

Dear Sachin
Kindly provide your contact details via telecon or e mail.
My details are mentioned below:
Regards
Amit Kr Gupta
+91-9582777220
Reply
196. Amit Kr Gupta

Hi All
Happy New Year to all of you whether prospect / customer / partners or competitors…..
Regards
Amit Kr Gupta
Reply
197. Chandra Sekar

Hi
Could one of you help understand the time involved in setting up a Payment Gateway, w.r.to the time
taken after submission of application, approval, integration etc from the service provider’s side?
Thanks
Reply
Amit Kr Gupta
Hi
@chandra: kindly contact at below mentioned with your complete contact details if you are
looking forward for online payment solutions or need info regarding same.
Regards
Regards
Amit Kr Gupta
+91-9582777220
Reply
Vikrant
Dear Chandra,
We are taking three working days with the co-ordination of your webmaster/ designer to
implement payment gateway with your website.
If you can share FTP Info of your website with us- we can integrate with in a day or two.
Can we have small discussion on the same.
You can contact me @ 09891692294

or mail me vikrant@cyberastro.com
Reply
198. Dr. Urvi Chauhan

i have same query @ mr. Chandra sekar has, plus

i want to have a PG service on my web site for the online courses and books, and educational dvds
that gets published by us- what is the best option which has less TDR , cost effective – i see positive as
well as negative report upon ccavenue, besides from this blog i get to know abt Mr. Vikrant’s
cyberasthr.. ’s, but their transaction cost is 7% which is too high i feel, can you guide me pls
Reply
Vikrant
Dear Dr. Chauhan,
I am agree with you, But we are not charging any thing else NO EMI, NO SERVICE TAX,
NO CONVERSION CHARGES etc.
Even we don’t charge, if you are not receiving payment from the market- No target of the
payment. It is your wish and best option for you.
Can we have small discussion on the same.
You can contact me @ 09891692294

or mail me vikrant@cyberastro.com
Thanks!
Thanks!
Reply
Rami AL-Araj
Dear Vikrant
Allow me please to introduce myself; this is Rami Al-Araj; the Regional Business
Development Manager in OneCard.
As I understand from the conversation that went on the net that your company is a
payment gateway for India and please be noted that we have interest in your market and
we are looking forward to invest in startups and major portals in order we can give them
expansion in MENA region .. please send me your thoughts and let us see how we can
move on.
We thank you for your time and look forward to hearing from you!
Kind regards,
Rami Mousa Al-Araj

Regional Business Development Manager
__________________________________
Reply
199. Rami AL-Araj

Dear All,
Allow me please to introduce myself; this is Rami Al-Araj; the Regional Business Development
Manager in OneCard.
Introducing our company; OneCard is the most comprehensive online payment solution in the MENA
region. It is also a tool that empowers users to shop online and buy Internet connectivity, fixed and
mobile communication services, airline tickets, stock market solutions, educational resources and much
more.
We are seeking the opportunity to start a solid business relationship with Indian startup’s and running
portals in different levels:
1- Integrating OneCard as a payment method to your business

2- Distributing your Games CD’s in the region
3- Doing Arabic Support to your clients
4- Arabization and localization
5- Online Exposure
By integrating OneCard as a payment method to your website, which is all FREE; allowing you to
reach new buyers in the MENA region who use OneCard as an online payment method, and listing
reach new buyers in the MENA region who use OneCard as an online payment method, and listing
you on OneCard Mall along with the most popular merchants from all over the world who have also
integrated OneCard previously.
We thank you for your time and look forward to hearing from you!
Kind regards,
Rami Mousa Al-Araj

Regional Business Development Manager
Please contact me at “” rami@onecard.net “”
Reply
200. Dr. Urvi Chauhan

thank you to all who tried calling me up and introducing their respecive company
another day i got a call from Mr.Patil from whizpay.net-i am waiting for his mail- yet not received
kindly respond
Reply
Vikrant
Hello Dr. Chauhan,
Is it possible for you to contact me through below link or through my mobile number.
OR
If possible please share your contact details so that i can give you call.
Regards,
Vikrant
09891692294
Reply
201. Bala
January 13, 2011 at 11:25 pm
Very informative Blog. I am looking for a payment gateway for a small school and a mid size hospital.
My contact no is +9198202 98089
Warm regards,Bala
Reply
Vikrant
Dear Mr. Bala,
As per our discussion, I have sent you mail.
Regards,
Vikrant
09891692294
Reply
Saleesh
Vikrant,
It seems that you are charging 7.5% as fee for every transaction which is higher that
CCAVENUE . Could you please confirm it?
Reply
202. Rajendra
I would like to suggest IndiaPay Payment gateway. It’s little bit new in India and having good reviews.
Here is the link for this indiapay.com
Reply
Jai
India Pay is Fake company, better to go for HDFC Payment gateway

India Pay is Fake company, better to go for HDFC Payment gateway
Reply
Amit Kr Gupta
Dear Jai
we could offer HDFC bank gateway for cards processing with Net banking facility of 24
banks.
Regards
Amit Kr Gupta
+91-9582777220
Reply
203. Adi
Screw Vikrant
Reply
204. Kanna K
Dear All,
I been looking for online payment gateway for web hosting and domain registration website
http://www.netzdomain.com
Please advice me which online payment gateway suits for my website…

Thanks in advance
Kanna K
Reply
205. Varun Surana

Dear Friends,
I am setting up a website for my client based in Mumbai
With more than 5000 products to be sold from an ecommerce website.
And we are looking for payment gateway services with no Intial Set up cost and with very very
nominal transaction cost.
Treat this as urgent.

One can contact me at 090000 73478
Contact Person – Varun Surana.

We take Projects in .Net, Php, Joomla and most of the advance technologies.
Reply
Amit Kr. Gupta

Dear Varun
There is no payment gateway apart from Paypal (or other such players) that could offer you the
online payment services without any initial cost. Whether you sold 5000 products or 1 Lacs
products there will be set up charges if you require all online payment solutions like Credit
Cards, Debit Cards, Net Banking and Cash Cards.
Regards
Amit Kr Gupta
+91-9582777220
Reply
206. Ruchit
Hi, excellent information about the payment gateway. As it becomes a necessity for all modern website
who makes online sale. I have gone through one such website which provides excellent payment
gateway solution. Please check it http://www.etoolciti.com/WebDevelopment/online-payment-
gateway-integration.html
Reply
207. Anuj Goyal

has anybody tried indiapay.com, Any feedback on this merchent account provider.
Reply
Amit Kr Gupta
Hi Anuj
Not heard of Indiapay evr even as in competition…
some body has commented regarding India pay above…
kindly give us a chance to discuss regarding online payment processing solutions.
Regards
Amit
9582777220
Reply
208. Anuj Goyal

5/18/2011
February 15, 2011 at 3:16 amComparison of payment gateways in I…
What does “Multi Currency Acceptance” and”Multi Currency Settlement” means when we take a
merchent account.
Reply
Prashant Duble
Multi currency acceptance is the ability of a merchant to accept payments in more than one
currency. For instance a merchant can accept payments in INR and USD giving the customer a
choice to pay in the currency of their choice. This is typical for many web based services where
overseas users prefer to pay in USD. Even though a merchant can transact in different
currencies it usually settles with the bank in one currency.
Muti currency settlement is the ability of a merchant to transact and settle in multiple currencies.
This is very common with international airlines where banks offer airlines to transact in multiple
currencies and settle in at least five major currencies.
Multiple currency acceptance has implications on exchange rates and credit card companies and
banks generally take premium from it.
Dynamic Currency Conversion or DCC is another service that many merchants use to bypass
bank and credit card conversion fees. The fees are set by the service providers who speculate
the exchange rate at the time of the transaction. Very effective in travel and hospitality industry.
Reply
209. reverse phone usa

CCAvenue is the best Indian payment gateway ever.With all the recent problems with Paypal I would
recommend using CCAvenue.
Reply
210. Venkat
Mine is a start up company. I am looking for including prepaid mobile recharge services into our
system. We can only offer very small percentage of the amount as we can’t pass the amount to the
user. Please contact me if there is any PG which charges nominal percentage.
Reply
211. Amit Kr Gupta

Dear Venkat
Kindly pass on your contact details either thru mail or telecon, we do have some of the major mobile
recharge provider associated with us including Easy Mobile Recharge
& Recharge it Now.
& Recharge it Now.
Regards
Amit Kr Gupta
+91-9582777220
Reply
212. Prashant
Avhan Technologies is another firm specializing in IVR based payment gateway solutions. Some well
known brands use IVRs developed by them.
You can try contacting Vijay on 9870999850 for any requirement.
Reply
213. Saurabh
I plan to host 3-4 ecommerce portals.

Can I use single payment gateway on multiple websites?
Reply
Awate Pradeep
Dear Saurabh,
Yes, it is possible to have one payment gateway for all the three websites. Please mail us at
pawate@talentbeat.com to know more, or call us on 09561133222
Reply
214. Paresh Shah

Dear All, before going through this blog I had already decided to go ahead with CCAvenue…..but
now I see quite many options. I need your suggestions and details quotes from PG providers on my
email.
We are coming with e-commerce site and expect huge no. transactions on a daily basis, hence TDR
has to be as low as possible, we are also looking for an additional service of Mass Payment, apart
from receiving payments.
email– paresh@hstrims.in
thanks, Paresh
Reply
Amit Kr Gupta
Dear Paresh
Kindly share your web site details with company details:
set up year
entity type
This will help me in designing exclusive pricing structure for you.

Regards
Amit
Reply
215. Ashish Thakur

Never go for EBS,
The worst service i ever had.They just disable card solution just for technical maintenance.The EBS
person send us mail that it will be done in 5-7 days maximum and even after 14 days there is NO
result.
Very bad customer service.
Reply
216. Paresh Shah

@Ashish — thanks a lot for your timely advice as EBS was one of our shortlisted option.
@Amit — Our site is under development and expect to go live in a months time.
My company name is HS Trims, in Mumbai, but we are simultaneously in the process of forming a new
closely held company for this e-commerce project. Please be noted Mass payment or rather Individual
payment from us to the user is a critical requirement, I find Paypal has this feature.
We are also in consultation with few more PG options, please be quick with best quote.
You’ll can also call me on 9323735328 for more details.
thanks & regards,

Paresh Shah
Reply
217. Satish
March 1, 2011 at 2:52 pm
Hi All,
I had recently signed up with EBS and also their recommeded E commerce shopping cart hosting, the
performance has been dismal, pathetic until now, all my efforts, investment is going down the drain as
5/18/2011
performance has been dismal, Comparison of payment
pathetic until now, all gateways in I…
my efforts, investment is going down the drain as
they lied about their product and its performance, a lot of payments are failing, customers are having
major difficulties in sign up and order the products on the site, inconsistency between EBS and the
shopping cart software in terms or orders and payments, Horrible customer support and no one seem
to take responsibility and accountability, I think all payment gateways in India have bad service, more
of transaction failures, lack of knowledge about the process etc I would recommend not to sign up
with EBS…
Reply
218. Glocal Startups

March 3, 2011 at 8:40 am
2checkout is good one for starting out
Reply
219. convert youtube to mp3

March 3, 2011 at 12:32 pm
Hey, Great blog, I cannot wait to stumble it. I lost my bookmarks and couldn’t wait to find it again.
Had to look through my web history…forever’ish. I was so excited I couldn’t wait to let you know.
Reply
220. Paresh Shah

March 4, 2011 at 6:17 am
Dear all…
so lets list down the best Payment Gateway you would suggest to a friend….considering customer
experience, technical support/after sales support, pricing to name a few…..
Reply
221. manish
March 5, 2011 at 3:50 pm
what are the charges of HDFC PG.
Like setup and TDR
Reply
Amit Kr Gupta
March 6, 2011 at 4:24 am
Dear Manish
Kindly contact at below mentioned or provide your contact details as we do offer Gateway of
HDFC as well.
Regards
Amit Kr Gupta
Amit Kr Gupta
+91-9582777220
Reply
Amit Kr Gupta
April 9, 2011 at 9:46 am
hi
Reply
222. rajeev
March 13, 2011 at 6:42 am
Well guys after so much of discussions , which payment gateway will u suggest for a startup.
Reply
223. Payment Gateway Integration

March 21, 2011 at 9:37 am
If you need any help in payment gateway integration then we would be glad to assist you for the same.
Get in touch with us.
Thanks
Reply
224. Vilas
March 22, 2011 at 2:10 am
Hi,
I am looking for entry level payment gateway for my site. Basically I want gateway TDR approximately
5% and no AMC Charges.
So if anyone have it let me know.
Thanks
Vilas
9762214481
Reply
Sandesh
May 12, 2011 at 3:05 am
I want to take this opportunity to introduce myself. I am Sandesh Sonar – from “IndiaPay” . We
are leading payment Processing company in India. We have launched an electronic payment
distribution network partnering with leading Indian and global banks and introducing innovative
payment processing services in South Asia. We have a significant experience in processing115/125
startupdunia.com/…/comparison-of-p…
very
payment processing services in South Asia. We have a significant experience in processing very
large volume of concurrent payment transactions and work with 20+ authorization networks as
well as 40+ banks/ODFI across the world.
As part of our consulting portfolio, we help various Fortune 1000 clients to consolidate and
manage the Credit/Debit cards, ACH Clearinghouse (ECS/RTGS/NEFT) and Cheque
Truncation transactions in distributed environment. We offer Virtual Point Of Sale, Auth-
Capture-Delayed Settlement, Bill Payment, Batch processing for different verticals in India
working with leading Indian banks. This is a new service of it’s kind which would allow any
internet or brick-mortar company to move payment transactions more efficiently without doing
any significant capital investment. We are already working with some major corporations in
India
you Can contact me for the payment gateway Details :- 9158887705
Reply
225. Pankaj
March 23, 2011 at 2:19 am
Do anybody know what are the requirements one need to fulfill in India to become a payment
gateway? Does it require you to tie up with Banks ? Also does it need some security amount as
deposit?
I am planning to develop one
Reply
226. Surajit
March 26, 2011 at 2:18 pm
After reading all the posts,seems like Paypal is best (as it has no initial cost) for foreign payments made
in foreign currencies,and may be CCAvenues for payments made in India in Indian rupees.
Now the question is Can I have both the payment gateways in my eCommerce site – Paypal and
CCAvenues both options present??
Any expert advice..
Reply
Amit Kr Gupta
March 28, 2011 at 12:49 am
Dear Surajit
I am not an expert but yes you could use multiple PG simultaneously.
I would request you to also consider TechProcess PG as in option as we do have good

association both in terms of Merchants & in terms of Banks for payment processing.
For further clarifications you could contact me at undersigned.
Regards
Amit Kr Gupta
Amit Kr Gupta
+91-9582777220
Reply
227. Senthil
March 30, 2011 at 12:10 pm
Hi.,
We are a Apparel Online Start up Clifton.in and we use CC Avenue, but we face lot of transaction
failures in fact we lost about 8 to 10 Orders because of that, moreover they don’t expressly / clearly
mention in their site that they accept ICICI BANK Debit Cards.
We are planning to go with a new Payment Gateway which would provide us with excellent service
and must accept all bank debit/credit cards.
Your advice and guidance would be highly appreciated.
Thanks in Advance
Reply
Amit Kr Gupta
April 1, 2011 at 1:46 pm
Dear Senthil
I am grateful to you for giving us an opportunity to discuss regarding Online Payment Solution. I
have given your contact detail (company detail) to my colleague in Bangalore. His name is
Rajashekhar and the contact no. is +91-8030585008. In case he is not been able to rach you
through company’s landline then you could either share your contact details or contact me / him.
Regards
Amit Kr Gupta
+91-9582777220
Reply
228. V Malkan
April 7, 2011 at 8:01 am
Hello,
I am coming up with a portal where i will need my visitors to pay. I need a payment gateway to
integrate to it.
I have gone through all the comments and have found different views for different PG providing
companies. Its very confusing and makes difficult to choose.
I require a PG which can -

*accept payment in INR
*accept payment in other currency but don’t convert it to INR
*No setup fees or low setup cost
5/18/2011
*No Comparison of payment gateways in I…
setup fees or low setup cost
*Lowest TDR
I have seen many PG company rep. leaving comments.
I request them to send in package details to – v.v.malkan@gmail.com or connect me @ 99690

34171.
I am in Mumbai.
Looking for some fruitful responses.
Reply
229. Ranbir
April 8, 2011 at 12:15 am
Hi Friends
I Am Looking To Start A Shopping Website And Need Help In Choosing PAyment Gateway..
Will CCavenue Be Fine ? What Documents Are Needed?

Mail Me At ranbir961@gmail.com
Reply
230. services seo

April 8, 2011 at 4:05 am
I feel CC avenue is currently the best option for online payment facility… what you say?
Reply
231. V Malkan
April 8, 2011 at 4:38 am
Hello friends,
In search for a reliable and affordable Payment Gateway partner, I have received reply from a
company called – atom technologies ltd.
visit – http://www.atomtech.in
*The good thing about their process is that as a merchant i have to only buy one payment gateway
provider.
*This company has partnered with most of the Indian banks.
*I don’t have to tie up with individual bank for providing their APIs.
I have just received a PPT from them. Haven’t received any TDR info. Once will get update soon.
Meanwhile people looking for info visit site and contact – Anant Bhavsar – 9930268393.
Regards,
V Malkan
Reply
5/18/2011
Reply Comparison of payment gateways in I…
232. Rahul
April 8, 2011 at 4:43 am
I am building a website in Drupal 7. I am planning to use ccavenue. Wanted to know how do i use
their shopping cart and will the integration be smooth? I am not planning to use any other shopping cart
like ubercart etc.
Reply
233. V Malkan
April 8, 2011 at 7:48 am
Hello friends,
This is in continuation with the above mentioned comments — Reply from PG – Atom technologies
1) Paperwork – What is the paperwork required to setup the account? – Agreements and KYC
documents ( Entity proof, Pan Card, Address Proof, Bank statement)
2) Setup Fee – What is the one time setup fee, and what are the annual maintenance charges? – 25K
Setup Fees, 5K AMC
3) TDR Rate – What is the TDR Rates for credit cards/debit cards and net banking transactions. if
different pls. specify separately. Also if any charges for American Express (or any other card/bank).
Kindly provide clear details.- 2.5% per txn ( Master/Visa Credit Card/ Debit Card & Net Banking )
4) Site Integration – Which language is used and is support available in case you need it? What is the
process for site integration ? – Our Development team will share API document and guide you for the
integration )
5) Transaction failure – Any charges for such failure ? If any, what are they. Also how this is being
taken care ? -There is no any transaction failure charges
6) Cancellation – how cancellation of transaction works. Will fee be charged if transaction is

cancelled? whether credit card / debit card / net-banking. kindly provide clear details. – No any extras
charges for cancellation..only per txn 2.5%.
7) Chargebacks – what the policy is on chargebacks. hold period for chargeback. ?? – There is no
hold of the payment. You need to provide us the details whatever we ask related to transaction.
Details would be sent to Acquiring Bank. Once dispute resolution comes from Master/Visa
accordingly will adjust the charge back amount from the next selttelement if disputes resloution comes
to customer favour.
Fraud alert — how fraud alerts are handled by the gateway, as too much documentation
requirement may drive off customers – Currently no farud alerts avialable.
9) Payments – how and when payout is done, what is the payment cycle to merchant, via NEFT or
cheque. Is there anyt fee for each NEFT or courier charges for the check -Payment would be settled
to your desired account in T ( Transaction Date )+2 Days (working)
10) Customer Service – Do company have an active customer service department? Do company have
10) Customer Service – Do company have an active customer service department? Do company have
a toll free number for customer service? How long is the wait time? – Customer support available till
8.00 am to 11.00 pm
11) Any other types of Charges, whether one time or regular ? Pls. mention them all. – No any other
charges
I hope it is useful.
Regards,
Mr V Malkan
Reply
234. Sapna Shahani

April 18, 2011 at 2:43 am
Good info… I wonder if you can also advise NGOs about which is the best service to accept
donations/ membership fees online. We are a start-up – a registered trust – but don’t have income tax
exemption yet (80g) although we have applied for registration with income tax (12a). However, I think
people may want to donate to us and use our services despite not getting a tax exemption. But we
would like easy processing, initial fees only preferably and easy tracking. Which service would you
recommend for us?
Reply
Amit Kr Gupta
April 29, 2011 at 4:16 am
Hi Sapna
I have gone thru your website but dont find any contact details like where are you located/
landline no. and apart from all this, providing credit / debit card processing option to NGO is
very risky as no body could trace that where the donated money gonna be use and charge back
are higher. Most of the 3rd party aggregator feel safe to provide Net Banking facility only. I
would request to you kindly contact me at below details
Regards
Amit Kr Gupta
+91-9582777220
Reply
235. Jitender
April 27, 2011 at 12:54 pm
@Amit Kr Gupta,
Few queries:-
1. Is ther any option like Net Banking Only at TPIP. If yes then wht is the process and fee?
2. Can we integrate a single account with two-three websites?
3.Any custom plan for start-ups

startupdunia.com/…/comparison-of-p… at TPIP? 120/125
3.Any custom plan for start-ups at TPIP?
My Email:- master@infotechmart.com
@Vikrant: —>STOP SPAM . This will ruin not so good image of of your sompany/service.
Rgds/
Reply
Amit Kr Gupta
April 29, 2011 at 4:09 am
Dear Jitender
I am grateful to you for showing interest in our services and giving me an opportunity to discuss
further regarding same. I will be sending a mail to you regarding your queries. As far as
commercials are concerned i would request you to kindly share your contact no. / contact me
@ +91-9582777220.
Regards
Amit Kr Gupta
+91-9582777220
Reply
236. Anand
April 30, 2011 at 9:11 am
We are using CCAvenue & EBS Payment gateway services on our website. We are in web hosting
market in India. and both payment gateways are good in service.
Reply
Amit
May 3, 2011 at 2:17 am
Dear Anand
I do agree that the names you have mentioned are good & well established as far as this
particular industry is concerned. But i think you must agree that one of these charges quite higher
transaction charges & other has less payment option (Net Banking) and has mixed opinion
across Merchants. I would request you to kindly give us an opportunity to discuss further in this
regard.
Regards
Amit Gupta
Atom Technologies
+91-7838366603
amit.gupta@atomtech.in
Reply
237. Vick
May 4, 2011 at 11:31 am
May 4, 2011 at 11:31 am
Hi…
great to chance upon this blog, very useful info.
looking for the right recommended PG provider, our ecommerce solution is based on Joomla CMS +
Virtuemart.
Transaction amount per unit is very high (>INR 10,000) so need 100% uptime, no denial of service
and no fees on chargebacks. Any recommendations?
Also, any idea what PG does Flipkart.com now use? How about LetsBuy.com? How about
SoSasta.com and Snapdeal.com? these four are pretty well-known web entities so whichever PG they
use could be considered reliable, in my book!
Thanks in advance, Vick
Reply
Sandesh
May 12, 2011 at 2:42 am
I want to take this opportunity to introduce myself. I am Sandesh Sonar -

from “IndiaPay” . We are leading payment Processing company in India. We
have launched an electronic payment distribution network partnering with
leading Indian and global banks and introducing innovative payment
processing services in South Asia. We have a significant experience in
processing very large volume of concurrent payment transactions and work
with 20+ authorization networks as well as 40+ banks/ODFI across the world.
As part of our consulting portfolio, we help various Fortune 1000 clients to

consolidate and manage the Credit/Debit cards, ACH Clearinghouse
(ECS/RTGS/NEFT) and Cheque Truncation transactions in distributed
environment. We offer Virtual Point Of Sale, Auth-Capture-Delayed
Settlement, Bill Payment, Batch processing for different verticals in India
working with leading Indian banks. This is a new service of it’s kind which
would allow any internet or brick-mortar company to move payment
transactions more efficiently without doing any significant capital
investment. We are already working with some major corporations in India.
Reply
238. Lala
May 16, 2011 at 8:46 am
Degr Mr,
Am looking five point for this question. It suppose to have five references in APA form . I hope you
are going to help me on my email.
Critically asses the advantages and limitation of planned selttlements.
Reply
Reply
239. Sandip Janee

May 17, 2011 at 1:12 am
Hi friends…
This is a really helpful post. We are starting up a new website & i would like to know which is the best
option as a payment gateway.
The person who is developing our website suggests CCavenue. But its a little expensive. Our products
are not very expensive starting from 200 to 800 rupees. We need a cost effective & quick solution.
Any comments will be more than useful.
Thanks
Reply
240. Amit Kr Gupta

May 17, 2011 at 9:03 am
Dear Sandip
I would request you to kindly contact at undersigned.
Regards
Amit Gupta
+91-7838366603
Reply
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5/18/2011 Comparison of payment gateways in I…

Comparison of payment gateways in India

3) Chargeback policy and disputes:

So which payment gateway should an Indian startup use ?

few things to keep in mind

Tell me the procuder to get IVR…?

Sometimes a 3% transaction charge diff ( 3% — Vs 6% CC avenues ) – might make a

Where given below is the scheme plan provided to me by ccavenue, and

Type of Scheme Set Up fees Annual Software Maintenance MasterCard/

Would be glad to receive details at learningratnas@gmail.com

I will be thankful to you if you do so.

I have been recently discussing payment gateway solutions with http://www.development-

You are true,

Thank you. this information is very useful to me,

So much of useful info. Thank you so much!

Dear Pranav / Vivek,

You are right…

Dear Pranav / Vivek,

According to my understanding about billdesk.com, it requires an ECS mandate to your Bank

To clariify for BillDesk :-

All preferred payment touch points.

atom is payment platform that enables

use Paypal if you want to collect dollar payments in India

Thanks Pranav for this info ..Great job !!

which gateway can be used if we also want DEBIT card payment .. ?

1. Which of these payment gateways support mobile payments?

April 30, 2009 at 5:36 pm

ccavenue does. I think ebs also does support mobile payments.

No, ccavenue supports mobile payment option

I think below details can solve your problems…….

13. Deepak Kumar

that which would be best

I think below link and details can help you…………

14. Deepak Kumar

which would be best portal gateway

15. Ashish Kumar

Their Regional Office is in Noida, Sec-16.

Contact Name-Ajay Kumar-Area Sales Manger # 9899299914.

17. Deepak Kumar

I think……this will help you….

Does EBS have mail payment alerts?

For further queries you may mail to vidhi@ebs.in or contact on 022-28077478.

19. Jitesh Patil

20. Richa Jha

I cannot see the comparison.

Please right click ur mouse and select “Save target as…”

If you are interested please email me at rraghavan@baytalkitec.com.

I think it will solve your problem…………

Have you guys heard anything about that so far?

Take help from these people….

I think you should contact here………….

Growth rate 240% of this company……..

I second you Vijay! Vikrant Please stop spamming..

Yes… use SBI IRCTC Card. No transaction will be deducted

your link is not working, can you please update it???

Will u pls update ur link

Other Suggested link for you…

Please visit- http://www.cyberastrotechnology.com/payment-gateway.asp

let me know your feedback!!!

We have a small Charitable

Can you visit this- I think it will work for you

i have visited paytm.in