Top 7 Best Payment Gateway Alternatives to Razorpay in India (2026)

Introduction

When it comes to online payments in India, Razorpay has long been one of the most popular options. But with rising transaction charges, limited support, and frequent KYC verification issues, many businesses and freelancers are now looking for better Razorpay alternatives in 2026.

So if you’re searching for secure, affordable, and easy-to-integrate payment gateways, here’s a list of the Top 7 Best Razorpay Alternatives in India (2026) that can help you process payments like a pro.

1. Cashfree Payments

Best For: Startups & eCommerce businesses
Highlights:

• Instant settlements (within 15 minutes)
• Easy integration with Shopify, WooCommerce, and custom websites
• Offers UPI, debit/credit cards, and international payments
• Simple dashboard and analytics

💡 Why better than Razorpay: Faster settlements and simpler KYC approval.

2. Paytm Payment Gateway

Best For: Businesses that already use Paytm ecosystem
Highlights:

• Zero setup fee
• Trusted brand name
• Offers UPI, wallet, net banking, and credit/debit cards
• 24x7 support for merchants

💡 Why better than Razorpay: Ideal for small merchants and fast onboarding.

3. Instamojo

Best For: Individual creators and freelancers
Highlights:

• Instant payment links
• Zero-code setup
• Option to sell digital products and collect donations
• Affordable transaction fees

💡 Why better than Razorpay: Simple, no technical setup — perfect for beginners.

4. CCAvenue

Best For: Established businesses with large volume
Highlights:

• 200+ payment options
• Multi-currency support
• Fraud detection and risk management tools

💡 Why better than Razorpay: Offers better global reach and enterprise-grade features.

5. PayU India

Best For: Growing businesses and online stores
Highlights:

• Advanced APIs for developers
• Smooth checkout experience
• Multiple retry payment options

💡 Why better than Razorpay: High success rate and strong customer support.

6. Stripe

Best For: International businesses and SaaS startups
Highlights:

• Supports USD & INR transactions
• Excellent developer tools
• Global reach and reliable uptime

💡 Why better than Razorpay: Ideal for businesses serving international clients.

7. PhonePe Payment Gateway

Best For: Businesses focusing on UPI transactions
Highlights:

• Low transaction fees
• UPI-first checkout
• Simple integration and analytics

💡 Why better than Razorpay: Seamless UPI system and lower costs for domestic payments.

Final Thoughts

While Razorpay remains a top player, these 7 payment gateway alternatives in 2026 offer unique benefits — from lower fees to faster settlements and international payment support.

If you’re a freelancer, eCommerce seller, or startup founder, try these alternatives and choose the one that matches your business needs.

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