Payment Gateway Integration for Indian Websites: A Complete Guide

To sell online in India, you need to accept the payment methods customers actually use. A well-integrated gateway makes checkout smooth and trustworthy.

What Indian customers use

• UPI — the dominant method
• Cards, netbanking and wallets
• COD — still a large share of orders
• EMI for higher-value purchases

Choosing a gateway

Popular options — Razorpay, Cashfree, PayU — all support UPI, cards and EMI. Compare success rates, settlement speed (T+1/T+2), fees (~2%), and developer experience.

Integration essentials

• Secure checkout (PCI-compliant, SSL)
• Payment links and one-click options
• Refund handling and webhooks
• Automatic GST invoicing

Don\'t forget COD and RTO

COD drives volume but brings return-to-origin losses. Offer prepaid incentives and verify addresses to reduce RTO.

Reconciliation

Set up settlement reconciliation so payments, refunds and fees match your accounts cleanly.

Statura integrates payment gateways with GST invoicing into your website.