API Integration for India Businesses
Accept payments the same day -- Razorpay, Stripe, PayU, CCAvenue or UPI, integrated and tested.
Most Indian businesses ask for Razorpay first -- it's the fastest to approve and has the most predictable settlement times for a new merchant account. Stripe comes up mainly for businesses billing international clients in USD/EUR, and PayU or CCAvenue still get requested by businesses that already have a merchant account with them from before Razorpay's rise.
The part that actually takes the time isn't the checkout button -- it's handling what happens after: webhook verification so a payment status can't be spoofed, refund handling, and making sure a failed or abandoned payment doesn't silently lose the order. Pricing depends on whether it's a single gateway on an existing site (lower end) or multiple gateways plus UPI and subscription billing (higher end).
Everything needed to get this API live, tested and reliable
PICK ONE OR SEVERAL
Checkout, webhooks and settlement reconciliation set up for whichever gateway fits your business.
FASTEST INDIAN CHECKOUT
Direct UPI payment flow for websites and apps, including intent/collect flows where supported.
ECOMMERCE-READY
Gateway plugins configured on WooCommerce, or a payment flow built into a custom cart from scratch.
The right one usually depends on who your customers are, not which gateway has the best landing page
| Option | Best For | Worth Knowing |
|---|---|---|
| Razorpay | Indian businesses billing in INR, needing UPI and fast settlement | Quickest KYC approval for a new merchant account; the default recommendation for most India-only businesses. |
| Stripe | Businesses billing international clients in USD, EUR or GBP | India-registered businesses need Stripe's cross-border setup -- not every account type is approved instantly. |
| PayU | Businesses that already have a PayU merchant account from before | Comparable feature set to Razorpay; mainly requested to keep an existing settlement relationship, not switched to fresh. |
| CCAvenue | Older or legacy systems already wired to CCAvenue | Dated checkout UI compared to newer gateways -- kept running rather than newly chosen for a fresh build. |
Issues seen often enough on real projects to plan around from day one
A checkout script calling "order complete" the moment the payment popup closes -- without verifying the webhook signature server-side -- can be spoofed. The order status has to be confirmed from the gateway's server callback, not the browser.
A customer's card gets declined or they close the tab mid-payment, and the order just sits in limbo with no follow-up email or retry link -- a checkout that only plans for success loses these sales silently.
Refund and partial-refund flows get skipped during the build and then have to be handled manually from the gateway dashboard forever -- worth wiring in from day one if refunds are a normal part of your business.
Confirm which gateway(s), check your existing merchant account status, and review the specific checkout flow (one-time, subscription, split payments).
A quote in INR covering checkout, webhook handling and refund logic, back within 24-48 hours.
Checkout and webhook signature verification built and tested against the gateway's test/sandbox mode, including failed-payment cases.
Switched to live keys and verified with a real low-value transaction before handover, including a test refund.
Free consultation. No obligation. Get a fixed-scope quote in INR within 24-48 hours.
Start a Project See My WorkNeed more than one API connected? These are usually scoped together as a single project.