Setting up online payments for an Indian business
What you need to accept UPI, cards and wallets online, and how to choose and set up a payment gateway.
EvoAstra team14 Nov 2026 · 3 min read- Gateways need business KYC, a bank account and clear policies on your site
- Compare fees, settlement times and supported methods
- Test refunds as well as payments before launch
Accepting payments online is easier than ever in India, but gateways have onboarding rules, and a few details decide whether your account is approved quickly or held up.
- 1Choose a gateway
- 2Submit KYC
- 3Add policies to site
- 4Integrate and test
- 5Go live
What gateways usually ask for
- Business registration documents and PAN
- A current bank account in the business name
- A live website with product or service details and prices
- Privacy, terms, refund and contact pages
- GST details where applicable
Compare carefully
Look at transaction fees for each method, settlement time to your bank, international card support, subscriptions, payment links and how good their dashboard and support are. Popular options in India include Razorpay, Cashfree, PayU and others; current pricing changes, so compare at the time you sign up.
- Lower UPI fees
- Next-day settlement
- Basic dashboard
- Subscriptions built in
- Payment links
- Better reporting
Integration
Most store platforms have ready plugins. For custom websites and apps, gateways provide SDKs and APIs. Always confirm payments on your server using the gateway's verification, not just what the browser reports.
Test everything
Use test mode to try successful payments, failures, refunds and webhooks. Check that order emails, stock updates and invoices all work.
- KYC approved
- Policies published
- Successful test payment
- Failed payment handled
- Refund tested
- Webhooks verified
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