How to Choose the Right Payment Gateway for Your Startup

Starting your own business is exciting. But once your website or app goes live, one of the most important decisions you’ll need to make is choosing a payment gateway. Whether you're collecting payments from customers or sending money to partners, your payment flow needs to be fast, secure, and scalable.

With options like Indiplex Payment Gateway, Razorpay Payment Gateway, Paytm Gateway, and PayU Payment Gateway, it can be tough to decide what works best for your startup.

This blog will help you understand:

What a payment gateway does

What features to look for

How to choose between pay in service and payout services

A comparison of top online payment companies

Cost breakdown and payment gateway charges

Why Indiplex PG Partner is perfect for growing businesses

What is a Payment Gateway?

A payment gateway is a service that authorizes and processes payments for online businesses. When a customer clicks "Pay Now," the gateway connects their bank or wallet to your business account, securely transferring the funds.

Think of it as a bridge between your customer and your bank.

Why Startups Must Choose Smartly

Startups often operate with limited cash flow. A poor payment setup can lead to:

Cart abandonment

Delayed settlements

High transaction fees

Missed business opportunities

Choosing the right gateway ensures smoother payin and payout transactions, better customer experience, and faster growth.

Types of Services Offered

1. Payin Service

This handles incoming payments from customers. Whether it’s through UPI, credit cards, debit cards, or wallets, your revenue flows in through a payin service.

2. Payout Services

This helps businesses send money to employees, vendors, or customers. Think salary payments, refunds, or vendor settlements.

Platforms like Indiplex Payment Solutions provide both payin and payout from a single dashboard—saving you time and money.

Key Features to Look For

When selecting a payment gateway, look for:

✅ Multi-Method Payments

Support for UPI gateway, wallets, credit cards, net banking, and EMI.

✅ Global Reach

Need international customers? Go with a payment gateway for international payments like Indiplex or Razorpay.

✅ Security

PCI-DSS compliance, encryption, fraud detection, and OTP-based verification.

✅ Fast Settlements

Avoid delays with instant payout services like what Indiplex offers.

✅ Pricing

Compare payment gateway charges to avoid surprises.

Top Payment Gateways for Startups

Here’s a closer look at some of the most popular online payment companies in India.

1. Indiplex Payment Gateway

✅ UPI payment gateway with QR support
✅ Real-time pay in service and payout services
✅ Excellent for Indiplex PG Partner and white-label solutions
✅ Offers a seamless experience for local and global payments
✅ Transparent charges and excellent support

Best For: Startups, SMEs, and businesses looking for an all-in-one dashboard

2. Razorpay Payment Gateway

✅ Easy integration with most platforms
✅ Robust APIs for developers
✅ Supports international cards and subscriptions
✅ Offers RazorpayX for payouts

Things to Consider:
Razorpay charges can be on the higher side depending on your volume and transaction type.

3. PayU Payment Gateway / PayUmoney

✅ Widely accepted
✅ Custom checkout UI
✅ Instant activation for small businesses
✅ Good support for recurring payments

Limitation: Payouts are not as advanced as other options

4. Paytm Gateway

✅ Strong mobile integrations
✅ Trust factor with Indian users
✅ Accepts wallets, UPI, cards, net banking
✅ Simple onboarding

Limitation: Limited support for global payments

Understanding Payment Gateway Charges

Every gateway charges a small fee per transaction. Here's a rough breakdown:

Gateway	Domestic Charges	International Charges
Indiplex	1.75% – 2.5%	3.5% onwards
Razorpay	2% – 2.36%	3% – 3.5%
PayU	2%	3% – 3.9%
Paytm	1.99% – 2.36%	Limited availability

Pro tip: Don’t just compare price. Also look at payout speed, ease of integration, and support quality.

Why Indiplex is a Game-Changer

Many startups choose Indiplex Payment Solutions because it offers:

Custom payment buttons, links, and QR codes

Full control over payin and payout

Easy onboarding for Indiplex PG Partners

White-label options for resellers

Support for both Indian and international payment gateway list

With reliable infrastructure and helpful support, Indiplex helps you scale without financial friction.

Use Cases: Real-World Examples

A Subscription SaaS Startup
Uses Indiplex’s recurring payment features and payout APIs to manage affiliate commissions.

An E-Commerce Store
Integrates Indiplex UPI gateway and international card acceptance to serve both Indian and global shoppers.

A Local Services Aggregator
Uses the payout API to send instant payments to 1000+ freelancers every week.

How to Get Started

Upload basic KYC docs (PAN, GST, bank proof)

Set up your payin service and enable payout services

Integrate using APIs or plugins

Start accepting and sending payments in real-time

Final Thoughts

Choosing the right payment gateway can impact every part of your startup’s journey—from conversions to customer satisfaction and operational efficiency. For founders looking to simplify their payments, Indiplex Payment Gateway offers the best balance of affordability, flexibility, and growth potential.

From fast onboarding to support for both UPI and international payments, Indiplex is the best-kept secret among Indian startups.

Frequently Asked Questions (FAQs)

Q1. What’s the best payment gateway for international payments?
A: Indiplex and Razorpay are great options that support global cards and currencies.

Q2. How much does a payment gateway charge in India?
A: Charges typically range from 1.75% to 2.5% for domestic transactions and up to 3.5% for international ones.

Q3. Can I accept UPI payments with Indiplex?
A: Yes, Indiplex offers full UPI gateway support with QR and virtual accounts.

Q4. What is Indiplex PG Partner?
A: It’s a white-label partnership program allowing you to resell Indiplex payment services under your own brand.

Q5. Is there a gateway that offers both payin and payout?
A: Yes, Indiplex, Razorpay, and PayU all offer both services with APIs.