Payment Gateway Integration Services for Websites, Apps and SaaS Products

For Indian customers, Razorpay, Cashfree, PayU and PhonePe PG all support UPI, cards, net banking and wallets, and differ in pricing, settlement options, onboarding and features like split payments. For buyers in the US, UK, Australia or Canada, Stripe or PayPal are usually the better fit. We compare them against your business model rather than pushing one.

Payment gateway integration for a single gateway on an existing website or app typically costs ₹15,000–35,000 (about $200–550). A basic UPI payment gateway integration on a live website falls in that first band. Subscriptions, payment links and reconciliation push it to ₹35,000–90,000, and marketplace payouts cost more. This is our development fee only. Payment gateway charges in India are set by each gateway, usually as a percentage per transaction that varies by method and plan, and are paid to the gateway directly.

At a high level: open a merchant account with the gateway and complete its KYC, create each order on your server using the secret key, open the gateway checkout on your page, verify the payment signature on the server, and listen for webhooks to confirm the final status. Then test failures and refunds in the sandbox before switching to live keys. A Razorpay integration follows these steps, and so do most other gateways. On WooCommerce or Shopify, the official plugin or app often handles much of it for you.

The pattern is the same: server-side orders, a checkout, signature checks and webhooks. The details differ, such as SDKs, webhook formats, refund APIs and settlement reports. A PhonePe payment gateway integration or a Cashfree payment gateway integration takes about the same effort as Razorpay once your merchant account is active. We work from each gateway's current documentation and test in its sandbox.

Using the gateway's hosted or embedded checkout means card numbers go directly to the gateway and never touch your servers, which greatly reduces your PCI DSS scope, often to the simplest self-assessment questionnaire. You still have a duty to secure your site. We avoid designs that would bring raw card data into your systems.

Under RBI rules, merchants in India must not store customers' full card numbers. Saved cards work through tokenisation, where the card network issues a token that the gateway manages with the customer's consent. We implement the gateway's saved-card or tokenised flows, so returning customers get quick checkout without you holding card data.

Recurring charges use an e-mandate on a card, UPI AutoPay or eNACH from a bank account. The customer approves the mandate once, receives a notification before each debit, and for charges above an RBI-set threshold may need to approve each payment. We build the flows and handle failed renewals, cancellations and plan changes cleanly.

Yes. Most of our payment gateway integration work is on existing products built in Next.js, React, Node.js, PHP or Laravel, WordPress and WooCommerce, Flutter or React Native. We review your current code first, and if an older integration is already live we can migrate it without losing past transaction references.

Yes, through international card acceptance on Indian gateways, which usually requires separate activation, or through PayPal. Stripe's onboarding for India-registered businesses has been restricted in recent years, so we check current eligibility before recommending it. Export payments need proper documentation, so we suggest confirming details with your chartered accountant.

This usually happens when the customer closes the page before returning to your site. Because we confirm payments through webhooks and a scheduled status check with the gateway, the order is updated even if the redirect never completes. If an order genuinely cannot be fulfilled, an automatic or one-click refund can be triggered.