8 Best Payment Gateways In India For Recurring Payments

So you’ve built an online business in India, and now you want to set up recurring payments. Smart move – recurring revenue is the gift that keeps on giving. The key is choosing a payment gateway that makes it easy for your customers to sign up for subscriptions or installment plans, while also providing a seamless payments experience. 

But with so many options out there, how do you choose? Don’t worry, we’ve done the work for you. These are the top 8 payment gateways in India for recurring billing. With low transaction fees, high success rates, and useful features like one-click upgrades, and more, these gateways have you covered. 

Go through this article to find the right fit for your business. Setup is usually quick and easy, so you’ll be earning recurring revenue in no time.

Paytm – Popular Choice for Indian Merchants

Paytm payment gateway

Paytm is one of the most popular payment gateways for Indian merchants. As India’s largest mobile payments and commerce platform, Paytm reaches over 500 million users and millions of merchants.

Paytm offers a seamless recurring billing solution to easily set up subscriptions and automatically bill customers on a schedule you define. You can bill daily, weekly, monthly, or annually. Paytm stores customer payment info to make future transactions convenient while still giving customers control to update details or cancel anytime.

When it comes to features, Paytm offers the following and more:

  • Paytm accepts payments through multiple channels like credit cards, debit cards, net banking, UPI, and Paytm wallet.
  • Paytm’s secure payment network ensures fast, reliable transaction processing.
  • Paytm provides insightful reports to help you better understand your recurring revenue and customer behavior. 
  • See details like successful payments, failed payments, refunds issued, and more. Use these metrics to optimize your subscription plans and billing processes.
  • Integrating Paytm is straightforward for developers of any skill level. Paytm provides SDKs for web, Android, and iOS, as well as REST APIs.

For Indian merchants, Paytm should be at the top of your list of payment gateways to consider for recurring billing and subscriptions. With its massive user base, multi-channel payments, seamless recurring engine, and simple integration, Paytm has everything you need to build a successful subscription business in India.

PhonePe: Secure and Popular Payment Gateway in India

PhonePe payment gateway

PhonePe makes recurring payments super simple for your customers. They can set up auto pay in just a few taps using their registered phone number, debit card, or bank account. No more needing to enter card details every month.

To get started with PhonePe, you’ll need to sign up for their merchant services. This involves providing some business documentation and completing their KYC verification process, which typically takes 2-3 business days. Once approved, you can activate recurring payments and start billing your customers automatically each month.

  • It has a massive user base, with over 230 million registered users. This means most of your customers likely already have a PhonePe account, so onboarding them for recurring payments will be quick and easy.
  • PhonePe uses PCI DSS-compliant technology and encryption to keep all transactions and customer data safe and secure. 
  • It offers competitive pricing. For most businesses, PhonePe charges a flat 1% per transaction. 
  • They don’t charge any setup fees, monthly fees, or hidden charges.
  • As soon as a customer’s recurring payment goes through, they’ll receive an SMS notification with the details. 
  • If you have any issues setting up or managing your recurring payments, you can contact their merchant support team 24/7 via call, email, or chat.

For modern businesses, PhonePe should absolutely be at the top of your list of payment gateways to consider for recurring billing in India. With its simplicity, security, pricing, and support, it has everything you need to build a successful subscription model. 

Razorpay – Best Overall Payment Gateway for Recurring Payments

Razorpay payment gateway

When it comes to recurring billing in India, Razorpay should be at the top of your list. They make it simple to set up subscriptions, invoices, and EMIs for your customers. They have a seamless onboarding process. You can get started in minutes by signing up on their website or mobile app. No long forms or approval waits.

When it comes to features, Razorpay offers the following and more:

  • Razorpay supports over 100 payment methods, including UPI, Paytm, cards, and net banking. Your customers will have no trouble paying you.
  • Razorpay’s subscriptions feature lets you create flexible plans for your customers. Offer weekly, monthly, or annual billing, prorated charges, metered usage plans, you name it.
  • Their dashboard gives you full visibility into your transactions, payments received, failed attempts, and more. You’ll have the insights you need to improve your customers’ experience.
  • Security is a top priority for Razorpay. They use the latest encryption to keep your customers’ data and payments safe and compliant with PCI DSS regulations.
  • Affordable pricing with no hidden fees. They have a simple flat rate for each successful transaction.

If you want a trusted, full-featured payment gateway for your recurring billing needs in India, Razorpay delivers. They make the process practically painless, so you can focus on growing your business.

CCAvenue – Affordable Payment Gateway for Subscription Models

CCAvenue payment gateway

If you’re looking for an affordable payment gateway for your subscription model in India, CCAvenue should be at the top of your list.

CCAvenue is one of India’s leading payment gateways that specializes in recurring payments and subscription models. They offer over 190 payment options, including various credit cards, debit cards, net banking, and popular wallets like Paytm and Mobikwik.

When it comes to features, CCAvenue offers the following and more:

  • With CCAvenue, you’ll pay a flat fee of just 2% per transaction. 
  • They don’t charge any setup fees, monthly fees, or PCI compliance fees. For high-volume merchants, they offer custom pricing with even lower rates.
  • CCAvenue’s API is simple to integrate, and they provide plugins for platforms like WooCommerce, Magento, and Shopify. 
  • Once integrated, CCAvenue handles everything from securely storing customer payment info to automatically retrying failed payments to sending payment reminders.
  • They also provide an advanced fraud detection system to minimize chargebacks and a robust reporting dashboard where you can view payments, track KPIs, export reports, and more.

If low-cost, high-volume payment processing for your subscription model in India is what you need, CCAvenue is an ideal solution. With simple pricing, popular payment options, and powerful features built just for recurring billing, CCAvenue has you covered.

PayU – Top Payment Gateway for Enterprise Merchants

PayU payment gateway

PayU offers some of the lowest transaction fees for enterprises in India, typically around 1-2% per transaction. Compared to other major payment gateways like Razorpay (1-2%) and CCAvenue (2%), PayU clearly comes out on top. These low rates allow enterprises to keep more of the revenue from each sale.

When it comes to features, PayU offers the following and more:

  • Low transaction fees (0.5-2%) with high-volume discounts.
  • PayU also does not charge any setup fees, monthly fees, or annual maintenance fees.
  • You only pay per transaction, keeping costs predictable and scalable with your business growth. 
  • Maximum revenue from each sale.
  • Overall most affordable payment gateway solution.

For enterprise merchants doing thousands of transactions each month, these minimal fees can translate into major savings. PayU’s low rates and no hidden fees make it the most affordable option for large-scale businesses in India.

Citrus Pay – Affordable Payment Gateway for Small Businesses

Citrus Pay payment gateway

Citrus Pay is one of the most affordable payment gateways for small businesses in India with simple pricing and no hidden fees. They offer flat-rate pricing starting at just 1.99% + 3 Rupees per transaction with no setup costs or monthly fees. This makes them an ideal option if you’re just getting started and want to keep costs low.

Whether you want to take payments on your website, mobile app, or even in person, Citrus Pay has an integration option for you.

When it comes to features, Citrus Pay offers the following and more:

  • They offer plugins for major eCommerce platforms like WooCommerce, Magento, and Shopify that can have you up and running in minutes. 
  • Developers will appreciate their open API and detailed documentation
  • They offer all the payment types you need like credit cards, debit cards, net banking, and UPI. 
  • They also provide useful tools like transaction reports, refunds, subscriptions, and more. 
  • One of their standout features is their robust fraud detection system, which helps minimize chargebacks and keeps your business protected.

Citrus Pay should definitely be at the top of your list if you’re looking for an affordable but full-featured payment gateway for your small business in India. Their simple pricing, easy integration, and useful tools can help you start accepting payments quickly, so you can focus on growing your business.

Stripe – Global Payment Gateway Now in India

Stripe payment gateway

Stripe, one of the world’s largest payment gateways, launched in India in 2017. As an Indian business, you now have access to Stripe’s powerful payment infrastructure and tools. 

The combination of world-class payments infrastructure with local payment capabilities makes Stripe an excellent choice of payment gateway for businesses in India.

When it comes to features, Stripe offers the following and more:

  • Accept payments from customers all over the world. Stripe allows you to take payments from 135+ currencies and payment methods like cards, UPI, net banking, and wallets.
  • A seamless onboarding experience. The signup process is quick and easy. You can start accepting payments within days.
  • Customizable and flexible. Choose from pre-built payment flows or build your own using Stripe’s APIs and webhooks.
  • Robust security. Stripe keeps your customers’ data safe with features like 3D Secure, tokenized card storage, and Radar fraud detection.
  • Amazing support. Stripe has 24/7 support to help resolve any issues. They also have an active community forum and lots of helpful documentation.

For Indian businesses, Stripe opens up huge opportunities to sell to customers globally while still catering to local payment methods. With reasonable pricing and no setup or monthly fees, Stripe is an affordable option for startups and enterprises alike.

BillDesk: Specialized in Recurring Billing

BillDesk payment gateway

BillDesk is one of India’s largest payment gateways, processing over 400 million transactions annually. It specializes in recurring bill payments and subscription management. If you have a SaaS business or offer subscription services, BillDesk should be at the top of your list.

When it comes to features, BillDesk offers the following and more:

  • BillDesk makes it simple to set up recurring billing cycles, whether weekly, monthly, quarterly, or annually. 
  • You can bill your customers automatically on the same date each cycle, charge when subscribers join mid-cycle and set up reminders to reduce missed or late payments. 
  • BillDesk handles subscription upgrades, downgrades, cancellations, and refunds efficiently.
  • Subscribers can pay via credit/debit cards, net banking, wallets, and UPI using BillDesk’s secure payment gateway. 
  • BillDesk stores customer payment methods and billing details to enable fast, frictionless payments on each cycle date.

If you need a payment gateway focused on maximizing subscription revenue through optimized recurring billing, BillDesk is an excellent choice. With its large base of payment options, simple setup, and comprehensive features, BillDesk empowers you to build long-term relationships with your customers through effortless recurring payments.


So there you have it, the top 8 payment gateways in India for recurring billing and subscription payments. Any of these options should work great for your business needs. They all offer competitive rates, a seamless customer experience, and the security and reliability you expect from a payment processor. 

The choice ultimately comes down to factors like your specific business requirements and budgets. But you really can’t go wrong with any of these market leaders. 

We hope this post has informed you of  the top payment gateways for recurring payments in India!

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