The Ultimate Guide to Payment Gateway Integration for Custom-Built Websites in India
Choosing the Right Payment Gateway for Your Indian Business
Successfully implementing a payment gateway integration for custom website india begins with selecting the right partner. The Indian digital payment ecosystem is bustling, but not all gateways are created equal. Your choice will directly impact transaction success rates, operational costs, and customer experience. Key factors to consider include the Transaction Discount Rate (TDR), setup fees, supported payment modes, and settlement times. While a low TDR is attractive, it shouldn't be the only metric. A gateway with slightly higher fees but superior API documentation and developer support can save you significant time and resources during the integration process. For a custom-built website, the quality of the API and the flexibility of the integration are paramount, as you are not limited by plugin architectures.
A payment gateway is more than a tool; it's a critical business partner. Prioritize reliability, support, and a comprehensive feature set over chasing the lowest possible transaction fee. A 0.2% difference in TDR is meaningless if your checkout process is unreliable and costs you sales.
To help you navigate this choice, we've compared some of India's leading payment gateways. This data is indicative and you should always confirm the latest pricing directly with the provider, as rates can be negotiated based on volume.
| Feature | Razorpay | PayU | Cashfree Payments | PhonePe PG |
|---|---|---|---|---|
| Standard TDR (Domestic) | 2% + GST | 2% + GST | 1.95% + GST | 1.85% + GST (Varies) |
| UPI & RuPay | 0% | 0% | 0% |
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