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Comparison of payment gateways in India

If you are an Indian startup and you have an e-commerce component to your application, you will need to

review, evaluate and shortlist a payment gateway that can handle online payments via credit and debit cards.

And most likely this will not be an easy or fast process. In its current form, there are just a handful of

payment gateway service providers in India. Access to information related to a few them is non-existent on

the web.

I’m hoping that this post will help folks to do an easy and quick comparison between the various service

providers.

Before we move on to the comparison, let’s consider some of the criteria that are important while evaluating a

payment gateway:

1) Cost:

All payment gateways have an intial setup cost and then charge a small percentage of the transaction. Few

have an annual maintainence cost (AMC) as well. The initial setup cost is a one time charge only and is mostly

non-refundable. The annual maintainence cost is an annually recurring charge. The transaction cost (TDR) is

charge per transaction and is generally anywhere between 4-7% of the transaction amount. The higher the

volume, the more you can negotiate the transaction cost.

2) Support:

How helpful and responsive is the service provider when you run into a problem ? Do they provide off hours

support ?

3) Chargeback policy and disputes:

What is the policy for chargebacks and refunds ? What is the policy for disputes ?

4) Ease of Integration:

Does the service provider provide an easy way to integrate the gateway into your app ? Do they provide

alternate means for integration if tomorrow your architecture changes for some reason ?

Beyond these basic criteria, you’ll also need to consider additional factors (depending on your requirements)

like – what credit cards / banks are supported by the payment gateway ? Do they provide mobile banking

5/18/2011 Comparison of payment gateways in I…

startupdunia.com/…/comparison-of-p… 1/125

option ? What is their rate of successful transactions etc ?

One often raised point is why not use PayPal as your payment gateway ? After all, they provide a great API

for integration, there are plenty of code samples already available and their rates are quite competitive.

Well, the reason why PayPal may not suit everyone’s requirements is because they do not provide you the

option to charge customers in Indian Rupees. If using one of the PayPal supported currencies meets the

requirements of your app, great. If not, you’ll need to consider using a payment gateway that will allow

payments in Indian Rupees.

So, here’s a comparison of the major Indian online payment gateways (had to publish as a PDF since the

spreadsheet wont fit on the blog). The list includes a comparison of CCAvenue, DirecPay (operated by

TimesMoney group), EBS (collaboration with Axis bank), ABC Payments (operated by IndiaMart), HDFC,

ICICI Payseal and Transecute.

The troublesome part of it was trying to locate the correct pricing plans for the various payment gateways,

especially for DirecPay, HDFC and ICICI. DirecPay, HDFC and ICICI for whatever stupid reason choose

not to list their pricing plans on their websites. You need to contact them via email or snail mail (ICICI) with

your business details and only then, based on the nature of your business, transaction volume etc. do they

send you a pricing plan. Sheer incovenience — I mean, so much ground work to simply get info on their

pricing plans ? Its been 3-4 days since I emailed DirecPay and HDFC for details about their plans and am yet

to hear back from them. I fail to see why they dont provide a simple price info on their website rather than to

go through this archaic process.

The comparison document is by no means complete just due to the sheer difficulty in locating correct

information on the web. I’m keeping this document ‘live’ – in the sense that if you have any input / update

suggestions to add any additional payment gateway to the list or to update info related to any of the ones

already listed in the document, please send them in to me and I will continue updating the document.

So which payment gateway should an Indian startup use ?

To begin with, you should obviously analyse the various payment gateways on some of the criteria that I listed

above. On top of that, if you need to review data related to the success rate, average time to refund etc. for

some of these gateways, I would suggest reviewing the statistics revealed by IRCTC – India’s biggest e-

commerce site. They release monthly data related to transactions and payments, which includes how much

each payment gateway contributed in terms of number of transactions, the amount contributed by each as

well as the number of days to refund etc. For instance, only 53% of the transactions using the HDFC gateway

completed successfully while ICICI gateway handled 17% of all the transactions that were done on the

IRCTC website. The data also provides great insight into what are some of the main banks / debit cards

being used by customers. For instance, 8.10% of all net banking transactions were attempted by ICICI

customers while only 0.32% of all transactions were done by Bank of India customers.

Based on my research, if I were to use an Indian payment gateway today, I would personally go with either

CCAvenue or EBS – for the simple reason that they make it very easy to get the needed information, have

good online documentation and support wide range of credit/debit cards. In case of the other providers, its

like a black hole – you try to seek out information and become a customer — and they try to make it that

much harder to access that information.

If you have used / worked with and Indian payment gateway, I’d like to know how your experience has been

? If you were to recommend one to others, which one would it be ?



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This entry was posted on Thursday, April 2nd, 2009 at 2:14 pm and is filed under India Startups. You can follow any

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464 comments

1. Sharad

April 2, 2009 at 11:53 pm

Pranav,

we use both direcpay & ICICI payseal.

your numbers are a little way-off in terns of transaction charges. But that might me since you looked

them up via the web Vs talking to these guys.

direcpay – is great for its netbanking options / debit cards. they even power google ad words.

ICICI/ any direct bank – generally offers you lower transaction charges – and also greater control on

what appears on your customer’s credit card statements to reduce charge backs.

payseal/ hdfc are big strong players & do have their policy’s / norms which one must adhere to – as

they are very strict on the merchants business / profile. So the approval process does take months.

few things to keep in mind

Reply

Anant Bhavsar

April 3, 2009 at 5:06 am

you can also check out with atom technologies for IVR ( Interactive Voice Response ) based

payment solution, which enables you to accept the credit card, debit card and prepaid cards

payments over the phone without any manual intervation.

Tata Sky, Sun TV, Dish TV, Indiatimes Travel, Akabar Travels are using their platform… for

processing payments over the phone.

Reply

rahul bhardwaj

October 11, 2009 at 4:22 am

dear Anant,

Tell me the procuder to get IVR…?

thank you.

Reply



pranav

April 5, 2009 at 11:20 am

Sharad,

I agree — the prices can definitely be negotiated — the info i have gotten is all from the web.

if the approval process for icici / hdfc ends up taking months, it doesnt really suit startups pretty

well — does it ? It would basically mean either pre-plan and apply ahead of time or wait till the

approval comes around.

-p

Reply

Sharad

April 7, 2009 at 8:16 am

@Pranav

yes – its always helpful to pre-plan.

In our case we started up with Direcpay – quick n easy. While the application for ICICI

was being processed.

Sometimes a 3% transaction charge diff ( 3% — Vs 6% CC avenues ) – might make a

sea difference

Reply

Abhijan Nandy


Hey Sharad,

CCAvenue is charging us 2.75% accross all their 50+ options plus their IVR

solutions.

Reply

Manish Sagathia

December 12, 2010 at 6:41 am

Hi Abhijan

Please how did you got CCAvenue charging u 2.75% accross all their 50+

options plus their IVR solutions.

Where given below is the scheme plan provided to me by ccavenue, and

here 3% is the lowest per transection charges by credit card in Rs.40.000/-

one time non refundeble plan



you can mail me at [email protected]

Type of Scheme Set Up fees Annual Software Maintenance MasterCard/

Visa/ Diners/ Debit Cards (TDR rate**) AmEx / JCB / ITZ Cash / Net

[One time, Non Refundable] Cost (ASMC)*** Paymate (TDR rate**)

Banking

(TDR rate**)

Privilege Scheme Rs. 40,000/-* Rs. 3600/-*

3%* 5%* 4%*

Premium Scheme Rs. 25,000/-* Rs. 2400/-* 5%* 5%* 4%*

Economy Scheme Rs. 7,500/-* Rs. 1200/-* 7%* 7%* 4%*

Abhishek Gupta

January 4, 2011 at 6:42 am

Hi Abhijan,

Please mail me too for how you got such a nice deal from cc_avenue

email: [email protected]

Thanks

Abhishek

Prabhjot

March 6, 2011 at 3:37 pm

Dear A Nandy,

How to get the lowest TDR 2.2% rates from CC avenue, we are currently

enrolled for Plan 7500/- wih usual TDR.

Would be glad to receive details at [email protected]

Warm Regards

Prabhjot

93-1130-1389

Dipesh Saluja

April 26, 2010 at 2:02 am

Hi Sharad,

Hope you are having a great time. Is it possible for you to contact me personally. I

need to talk to you regarding payment gateway.

I will be thankful to you if you do so.

Contact no : 9312109993



Contact no : 9312109993

Reply

Vikrant


Hi Sharad,

Please visit

http://www.cyberastrotechnology.com/payment-gateway.asp

Regards,

Vikrant

Reply

Jash Laing

March 25, 2010 at 5:03 am

I have been recently discussing payment gateway solutions with http://www.development-

india.com and they have assured me time after time that there are no transactional fees, annual

fees – it is a one time set-up cost and that is all.

I was interested to know how this works, and is there a catch which I am not seeing??

Thank you

Reply

Cyberastrotechnology.com


Hi Sharad,

You are true,

ICICI /HDFC are big strong players & do have their policy’s / norms which one must adhere to

– as they are very strict on the merchants business / profile. So the approval process does take

months and charging BIG amount as security.

Here, we are providing payment gateway in very less price for SME’s (Small & Medium

Enterprise) who can not effort to have payment gateway from them.

Please visit


Regards,

Vikrant

Reply



touhid

February 5, 2011 at 3:09 am

hey,i am currently working on an online shopping website..so what payment gateway should i

use?what do u think?

Reply

2. jo

April 3, 2009 at 12:36 am

Thank you. this information is very useful to me,

Reply

Vikrant


Hi,

I have been recently discussing payment gateway solutions & Charges – We assured you all –

One time setup fee- NO ANNUAL Charges/ NO other charges. What ever amount you will

receive we will deduct transaction charges from the receiving amount.

You will interested to know how this works. It is very transparent for every one.

Please visit


Regards,

Vikrant

Reply

Ravi


You said there are no other charges but…Your site says…7.5% transsaction charges….

Reply



Thanks Jo,

Please visit




Regards,

Vikrant

9891692294

Reply



Thanks Jo,

Please visit


Regards,

Vikrant

09891692294

Reply

3. Vaidy

April 3, 2009 at 2:11 am

So much of useful info. Thank you so much!

Reply



Thanks Vaidy,

Please visit


Regards,

Vikrant

09891692294

Reply

Reply

4. Vivek

April 3, 2009 at 3:07 am

You probably missed a fast growing one – BillDesk. Quite a few companies (TataSky, Barclays,



Vodafone etc ) are using it. I was strongly recommended to check them out due to their ease of

integration and support.

Reply

pranav

April 5, 2009 at 11:49 am

isnt that for payments using net banking only ? I dont think there’s an option to pay by credit

cards in their service.

Reply

Santhanam

April 9, 2009 at 8:30 am

Dear Pranav / Vivek,

Just an Update. Even i was thinking that Billdesk.com provides bank ECS based

payment service for Post Paid bills.

But today when i checked with http://www.oxigen.com , i could find that some of the

sections are powered by billdesk.com

((http://210.210.24.66/oxicash_instapay/index.htm) .

Hope that people who have used oxigen’s service will share their experience.

Thank You

With Regards

Santhanam

Reply



Yes Pranav,

You are right…

Please visit


In this…. All VISA & Master Cards are accepted it can Debit Or Credit Cards inssued

by any National Or International Bank.

Regards,

Vikrant

09891692294



Reply

Santhanam

April 6, 2009 at 12:48 pm

Dear Pranav / Vivek,

I was personally using billdesk.com services for some time.

According to my understanding about billdesk.com, it requires an ECS mandate to your Bank

Account for paying bills(mostly, if not all of Post paid category). We cannot use that for making

ecommerce payments.

Normally service providers like Telecom companies, Utility companies & Insurance companies

give their subscribers a facility to pay using separate ECS mandate in favour of each company.

Instead, in billdesk.com, we give only one ECS mandate in favour of billdesk.com and it uses

that ECS mandate for paying any number of service providers we choose. Of course as you

know ECS mandate can be given for banks without net banking facility also.

Only advantage is that we are able to consolidate all our post paid bills.

One major disadvantage (personally faced by me) is that even though the billdesk’s due date is

prior to the service provider’s due date, but due to delay in billdesk’s payment to service

provider, the service provider normally charges fine for our payment (which we might have

made to billdesk.com before the actual due date).

In conclusion, billdesk.com = one ECS Mandate = Many service providers(Mostly post paid

type). It’s is not an Online payment gateway.

Thank You

With Regards

Santhanam

Reply

himanshu

March 5, 2010 at 6:40 am

To clariify for BillDesk :-

All preferred payment touch points.

Unified platform, Aggregation benefits.

BillDesk offers all the payment touch points

that your customers seek. Our solutions are

designed to cater to the needs of different

customer segments. BillDesk solutions cover

the full spectrum of billing and payment touch

points — from the traditional method of

receiving and paying bills in person, and by

phone to complete paperless online billing and

payment using either a bank or your website —

solutions that help you meet your customers’



solutions that help you meet your customers’

convenience expectations..Within each payment touch point, BillDesk delivers a proven,

flexible solution that supports a full range of file formats and MIS

requirements. Depending on the payment

channel the customer prefers, BillDesk offers a

variety of payment choices such as cash, Cashcards,

banking accounts, debit card and credit card…

1.View and Pay Online at Your website.

2.View and Pay Online at Bank sites.

3.Pay By Phone.

4.Pay Automatically through Standing

Instructions on Bank or Card account.

5.Pay in Person-BillDesk offers a Walk-In Bill Payment Service that extends the number

of payment

touch-points that you can offer Your customer

to make their bill payments – in cash or using

a card account

Reply

RP

January 5, 2011 at 3:18 pm

We would like to add your payment gateway to our site. Please send us your

quotes to us.

Reply

Abhilash


I have been trying to call BillDesk customer support telephone number for the past

few days to get more details on their charges, but they did not pick up my call. So,

I wonder what the quality of service would be.

Reply

Anu Bharara

February 18, 2011 at 2:11 pm

Maybe the worst would be Billdesk, we are having huge problems, everyone is either on leave

or quitting jobs. It was cheap to start with but I would be happy if CC Avenue could give us a

better offer, I would switch today. There should be some regulatory body looking into all this

and also some complaint redressal. This is a company which sleeps half the time.

Reply

5. Anant Bhavsar

April 3, 2009 at 4:41 am

I think you also missed the atom technologies, which is a part of Financial Technologies . Financial



I think you also missed the atom technologies, which is a part of Financial Technologies . Financial

technologies ltd, a company listed on the NSE and BSE is India’s leading technology enterprise

delivering mission critical Straight – Through – Processing (STP) solution comprising Domain

consulting, Technology Virginensing and Development outsourcing fot the Global exchange

marketplace.

MCX, National Spot Exchange, NBHC, IBS-Forex and DGCX are the the part of Financial

Technologies.

atom is payment platform that enables

Payment thru Interactive Voice Response (IVR) using Credit Card, Debit Card and Prepaid Card.

Reply

Prakhar Agrawal


@Anant: You have already mentioned once about your company above. Why spam such an

useful post by useless repetitive references to your service?

Reply

6. Nilesh

April 6, 2009 at 9:10 am

What if one wants to collect dollar payments in India (via credit cards) ? Are there any options apart

from CCAvenue ?

Reply

pranav

April 6, 2009 at 10:56 am

use Paypal if you want to collect dollar payments in India

Reply

Jeet


@Pranav: In the light of new mess that paypal has created.. What are the options for

creating dollar payments in India? I see ccavenue has an option. What about others?

Reply

Vikrant









Please visit


Regards,

Vikrant

Reply



Please visit


It is accepting all currency from All VISA & Master Cards are accepted it can be Debit Or

Credit Cards inssued by any National Or International Bank.

Regards,

Vikrant

09891692294

Reply

7. Vikram

April 6, 2009 at 12:51 pm

Thanks Pranav for this info ..Great job !!

Reply

8. nikhil

April 21, 2009 at 4:12 am

which gateway can be used if we also want DEBIT card payment .. ?

which among the above [players give the service with least transaction charge… ?

and how does integrating more than one merchant gateway works …?

Reply

pranav

April 21, 2009 at 2:24 pm

nikhil,

most of the payment gateways support net banking (debit cards). However, few may provide

support for additional banks than others.



support for additional banks than others.

Why would you want to integrate more than one merchant gateway ? Its more headache from

all aspects – technical, financial, management etc. Doesnt make a lot of sense to have multiple

gateways for small to medium ecomm sites.

Reply

Randhir

May 19, 2009 at 11:12 am

Hi Nikhil,

The VISA elctron debit cards of 12 banks are accepted on any credit card payment

gateway..technically a debit card transaction is same as credit card.

Reply

Avinash Sawant


Dear Nikhil,

HDFC Bank provides an interface for accepting Debit cards too, along with the Credit cards on

its sole Payment Gateway interface itself, additionally by giving its users (Cardholders) the

necessary notification on the paypage that Debit cards are also accepted, but only the ones

which are Visa and MasterCard ENROLLED i.e., in accordance with the RBI rule.

Reply

Vikrant


Hi,

Please visit


Regards,

Vikrant

Reply

9. Venkat

April 30, 2009 at 7:37 am

1. Which of these payment gateways support mobile payments?

Reply

pranav



April 30, 2009 at 5:36 pm

ccavenue does. I think ebs also does support mobile payments.

Reply

Joby

June 19, 2009 at 7:18 am

CCAvenue do not supports mobile payment. They had not even started yet.

Reply

Abhijan Nandy


What Bullshit, Joby. CCAvenue has PayMate and SBI freedom as mobile

payment options for the last three years. They also have CCAvenue PhonePay,

which is a very good IVR solution that we are using for the last couple of months

for our memberships collections on phone. The best part is that they are giving it

free with every ccavenue account. Its a brilliant package with 50+ payment

options, free merchant account, free risk management, no chargeback

representation fees, free IVR etc. They are worldclass and no other PG comes

remotely close to their offerings or service. Regards, Abhijan.

Reply

Swetha


No, ccavenue supports mobile payment option

Reply

10. Manish

May 1, 2009 at 11:08 am

Hi,

I have a query. I understand that I need payment gateway if I want to accept payments through credit

card etc. But in net banking, if I have given my account information then the customer can login to his

bank account (on his bank site) and can transfer funds to my account. I think no gateway is required at

my site for this.

Is it like that the customer will be able to login to his bank account through my site hence the payment

gateway is required?

Please clarify.

Regards

Manish

Reply



Reply

Santhanam

May 13, 2009 at 5:54 am

Dear Manish,

If your website requires automatic transaction information for processing customer’s orders,

then you will require payment gateway. Also you cannot expect all your customers to have net

banking enabled bank account in the same bank as yours.

If you don’t require automatic transaction information for processeing customer’s orders, then

you can ask your customer to deposit the amount either at a branch of your bank(some banks

provide facility for cash deposit in any branch without any charges) or net banking transfer or

through NEFT (Just costing around Rs.5/- for a transaction). And customer can send the

payment infomation via email/your website & you can process the order.

This type of manual processing of transaction will save websites/customers the exorbitant

transaction charges collected by payment gateways. I found that some publishers were offering

this method apart from net banking coupled with a manual way of processing the orders

Thank You

With Regards

Santhanam

Reply

Vikrant





Please visit


Vikrant

Reply

11. Andre

May 12, 2009 at 3:15 pm

Hi,

I don’t understand fully the problem with paypal. Yes, you can charge only in USD or Euro, but once

the Indian customer is going for payment through paypal, the foreign currency gets automatically

converted in Indian Rupee, so it;s not that you can not use paypal in India. Of course you should

explain your customer what is gonna to happened and it could be a problem for some projects, but for

example hotel service is not a problem, if the customer “pays” in USD.

Regards



Regards

Andre

Reply

Dev

August 31, 2010 at 4:34 am

Re PayPal , They will process orders in foreign currency which the customer’s credit card gets

charged to. However the real issue is how does PayPal deliver the money to vendor/affiliate’s

Indian account? Their terms and conditions do not even mention India in their list of countries. I

would not be surprised if this pertains across the board.

Thanks for raising the issue.

Reply

Vikrant


I think below details can solve your problems…….

I have been recently discussing payment gateway solutions & Charges – We assured you

all – One time setup fee- NO ANNUAL Charges/ NO other charges. What ever amount

you will receive we will deduct transaction charges from the receiving amount.


Please visit


Regards,

Vikrant

Reply

12. Abhishek

May 14, 2009 at 1:43 am

There is one more company which has deep expertise in providing Payment Gateway option over the

Phone ( IVR ). The Name of the Company is One 97 Communication Pvt. Limited. It is noida based

company and have many Corporates & Enterprise Clients in their kitty. The Charges are very much

affordable as comparison to the other Companies offering the same Product.

their Transaction charges are also very less.

Reply

13. Deepak Kumar

May 14, 2009 at 7:46 pm

i’m new in call centre business and i want to get charging gateway portal so i want ur advice friends




that which would be best

Reply

Vikrant


I think below link and details can help you…………





Please visit


Regards,

Vikrant

Reply

14. Deepak Kumar

May 14, 2009 at 7:48 pm

which would be best portal gateway

Reply

pranav

May 18, 2009 at 3:07 pm

i’d say give ccavenue or times direcpay a shot and see how they work out.

Reply

Vikrant


YOU SHOULD VISIT Below link and you should also read below details………………





Please visit




Regards,

Vikrant

Reply

15. Ashish Kumar

May 17, 2009 at 4:44 am

Hi All,

One company has gone up very fast in Payment Gateways, that is Merchant Solutions.

This is a Joint Venture of Standard Chartered Bank and First data International for Asia Pacific. US

based,First Data is world’s largest payment processing company and has about 56% market share in

US.

Their Regional Office is in Noida, Sec-16.

Contact Name-Ajay Kumar-Area Sales Manger # 9899299914.

Reply

16. mahesh

May 21, 2009 at 7:22 am

What is the TDR for billdesk? I can’t find it any where on the internet , they don’t respond to e mails.

Reply

17. Deepak Kumar

May 21, 2009 at 10:43 am

Hi

Pranav


that which would be best gateway

Reply

Vikrant


I think……this will help you….







Please visit


Regards,

Vikrant

Reply

18. ROhan

May 22, 2009 at 2:11 pm

Does EBS have mail payment alerts?

Reply

Vidhi Bhatt

May 23, 2009 at 3:20 am

Hi Rohan,

As per your query, EBS has mail alerts for each new transaction done through merchant’s

website.

For further queries you may mail to [email protected] or contact on 022-28077478.

Regards,

Vidhi Bhatt

Dy. Manager-Sales

Reply

19. Jitesh Patil

May 23, 2009 at 12:15 am

I wish Paypal starts Rupee transactions. Then all these rates would automatically come down.

Reply

20. Richa Jha

May 28, 2009 at 4:41 am

I cannot see the comparison.

the link takes me to the http://www.myticket2india.com/wp-content/uploads/india-payment-

gateways.pdf but it doesnt show up anything. fails to load the page on server.

Please rectify.

or if possible kindly mail me the comparison at [email protected]

Thank you



Thank you

Richa

Reply

Raj Gupta

August 17, 2009 at 3:43 am

Please right click ur mouse and select “Save target as…”

Reply

21. Himanshu

June 2, 2009 at 4:50 am

Can any body provide me the list of companies providing Payment Gateway option over IVR?

As i have urgent requirement for my Organization.

Reply

Abhijan Nandy


Try CCAvenue PhonePay Ivr systems. It ha sthe largest bouqet of payment options on IVR. It

processes MC, Visa, AmEx, JCB, Diners, ITZ cash, Paymate and SBI freedom bank accounts

on the IVR. Best part is you can also use the same CCAvenue account for you website.

Reply

raghu

March 5, 2010 at 6:41 am

Hi Himanshu,

just saw your posting on IVR for payment. not sure if its too late. Our IVR payment solution is

PA-DSS certified and can integrated with any third party Gateway. It is suitable for

Credit/Debit/Pre-Paid Cash Cards.

If you are interested please email me at [email protected].

thanks

Raghu

Reply

Vikrant


I think it will solve your problem…………








Please visit


Regards,

Vikrant

Reply

22. Manish

June 17, 2009 at 7:32 am

Hi Himanshu

I know 2 companies who are providing Payment Gateway Option over IVR, 1,Atom

2. One97 Communication

Atom is based at Mumbai, and One97 Communication is based at Noida.

I personally called them up for my requirement, and found One97 communication better in terms of

Rates and quality, as One97 is specialised in Developing IVR. You can talk to Abhishek Khurana of

one97 Communication @ 09910171197.

Reply

Badri

June 17, 2009 at 2:00 pm

ONE97 Site talks about turnkey development of VAS for telecom companies. I did not see

anything on IVR and credit card payment. did i look into the wrong website?

Reply

manish

August 6, 2009 at 5:20 am

Visit Paytm.in

One97’s M-Commerce site.

Reply

23. Badri

June 17, 2009 at 1:59 pm

hi! i recently came across a payment gateway called Upclick (www.upclick.com) which charges

NOTHING on transactions less than $40 and incrementally over that.



Have you guys heard anything about that so far?

Also, what has been the user experience so far in the Indian gateways so far?

Reply

Vikrant


Take help from these people….





Please visit


Regards,

Vikrant

Reply

24. Amit

June 18, 2009 at 2:09 pm

Hi,

I just want to know which is the better option between CCavenues and EBS. EBS has much better

rates than ccavenues still I see ccavenues more on e-commerce websites. Why is it so ?

Reply

Yogesh Kamble

June 19, 2009 at 7:45 am

CCAvenues gives you more netbanking facilities and Credit card options than any other PG.

And the customer base of CCAvenues is about 60% merchants in India.

Reply

Vikrant


No Comments!!!!

Reply



25. Neetu

June 19, 2009 at 5:59 am

See i would suggest not to take instant decision since there are many company into such business. The

one i know is One97 Communication Pvt. Ltd. Best part with this is they provide payment gateways

both on web and IVR. Which is a necessity for collecting credit card payments by an agent in call

center then and there. You can contact neelam@9717011060.

Reply

26. NJ

June 22, 2009 at 7:49 pm

I would like to know, is there any payment gateway where I can initiate a credit/debit card transaction

between two different parties i.e. I will neither be the seller nor the buyer.

Reply

Ojha

June 23, 2009 at 3:39 am

NJ, become a reseller of any of the Payment gateway Provider. Then you dont have to be either

a seller or a buyer.

Reply

Vikrant


I think you should contact here………….





Please visit


Regards,

Vikrant

Reply

27. Anthony

June 24, 2009 at 6:16 am



For remitting USD as membership fees, apart from transactions through credit card or bank demand

draft is there any facility for payment through banks or otherwise, from India.

Reply

Vikrant


Growth rate 240% of this company……..

have been recently discussing payment gateway solutions & Charges – We assured you all –




Please visit


Regards,

Vikrant

Reply

Vijay

April 20, 2011 at 3:30 pm

Vikrant, I think everyone here got the message. Please stop spamming this post with your

sales promotion. it’s getting annoying for everyone I’m sure.

Reply

Shruti

May 4, 2011 at 11:53 pm

I second you Vijay! Vikrant Please stop spamming..

Reply

Hansen

May 3, 2011 at 8:12 am

Hey Vikrant,

Seriously, stop spamming this page mate. You have been pushing it to the point to

extreme annoyance.

I wish the site moderators delete this guy’s lack lustre sales pitch and ban him from ever

posting about his site here again.



Good info here people. Keep it up…

Reply

28. sekhar

June 29, 2009 at 9:51 am

Hi

My business is railway booking, through IRCTC. Tell me, is there any cash card/credit card/debit

card, banks, is not charged any extra charges on booking railway E -tickets. Can any body provide

me information?

Reply

Ravi

July 31, 2009 at 9:01 am

Yes… use SBI IRCTC Card. No transaction will be deducted

Reply

Pawan

September 24, 2009 at 2:45 am

I use AMEX gateway with my ICICI credit card for online rail ticket booking. They dont

charge any transaction fee.

Thanks,

Pawan

Reply

29. neo

June 29, 2009 at 3:25 pm

hey guys i did a small study on payment gateways for my site. happy to share my compilation. check it

out @ http://thetopslot.blogspot.com/2009/06/indian-payment-gateways-my-search.html

Reply

Sourabh


your link is not working, can you please update it???

thanks

Reply

Vikrant






Reply

srikanth.K

August 19, 2010 at 10:59 am

Will u pls update ur link

Reply

Vikrant


Other Suggested link for you…


Reply

30. KCorp

July 11, 2009 at 2:07 am

We currently have tieups with ICICI and CC Avenue. The service of ICICI is very poor. With a

useless team as HelpDesk and non responsive dumbo as relationship manager , It will be better to

commit suicide than to commit ur business with ICICI

Reply

Ravi

July 31, 2009 at 9:03 am

Yes you are right…. their pgheldesk sucks. They dont even know what they talk and are not

even aware of the errors. It took me two months from sign up to intergration because of their

sloppy sales and support team

Reply

Vikrant


Please visit- http://www.cyberastrotechnology.com/payment-gateway.asp

let me know your feedback!!!

Reply

31. Sandip

July 25, 2009 at 7:09 am

Dear Pranav,

We have a small Charitable trust run out of the money from our pocket and some local sponsors. We



We have a small Charitable trust run out of the money from our pocket and some local sponsors. We

would like to scale up the activities in the areas of Medical facilities, Education, infrasturcture and

clothings for slums and poor urbans.

In this respect we thought of having a payment gateway to enable our well wishers in India and outside

to donate through our website. As you understand that stiff initial charges, transaction or insecurity may

hurt the cause of this organisation, I request your suggestions for the right gateway for this.

Sandip

Reply

Aditya

March 8, 2010 at 5:33 pm

Sandip,

Did you get an answer? hope you have found the right one. Many websites provide a separate

pricing plans for NGOs.

Reply

Vinay Arora


Hello Sandeep, I recommend PayPal as payment gateway for your website. There are no initial

charges for gateway setup and very small charges as transaction fee. You can put a PayPal

donate button on your website and anyone in world including India can donate money to your

organization.

Reply

samridh adfhikari


hey friends”"

Paypal has blocked my account for no solid reason,, It will give you a pain at the time

you require it most,, nowadays because of moneylaundering problem they are asking

such documents from indian,s which are difficult to produce..

Reply

32. Sateesh

July 31, 2009 at 4:00 am

Hi Friends,

I want to set up the on-line credit card payment for my client. Upon research I thought the CCAvenue

is the best one for on-line payment gateway. Is this is correct or is there any other better choice. Also,

can anyone tell me how to set up this in our application. How can we test our application for this

functionality? I tried that in the Paypal which provides us with the sandbox in which we can create the

test accounts and test our development call through APIs. But is this possible in the case of



test accounts and test our development call through APIs. But is this possible in the case of

CCAvenue. Does the CCAvenue has the APIs to be called from our application or is there any other

way to call the on-line payment gateway (if so, can anyone kindly let me know the procedure to

integrate in our application).

Thanks in advance.

Reply

Ravi

July 31, 2009 at 9:04 am

Dont go with CCAvenue. A lot of their CC transaction fail unnecessarily. They are very

frustrating.

Reply

Prakash Srivastava

August 29, 2009 at 12:53 am

Dear ravi

many times bank credit cards billed unnecessarily so what you say that please don’t go

with any bank, my dear try to understand that this is a technology and any time it can

make any trouble but the thing is that is ccavenue, any bank or any company who is

working in technology is supporting for their customer or not, i am running my company

from 2001 and have faced a lot of troubles in many fields like with banks, data centers,

mobile operators etc. but its not means that all is useless, many time lots of problems

happened due to our some mistake, but nobody want to accept that this is their mistake

too, now come to point of ccavenue , i am reseller of ccavenue and also i have made

payment on ccavenue payment gateway marchant many times, and yes this is correct that

some time this type of problem come but at any time when i have contacted with ccavnue

for resolve the issue so they have cooprated with us and arrange a refund of the wrong

transaction done but yes it takes some time upto one month

Reply

Vikrant


Can you visit this- I think it will work for you


Reply

33. selvaraj

August 2, 2009 at 12:16 pm

//Dont go with CCAvenue. A lot of their CC transaction fail unnecessarily. They are very frustrating.//

very true…



very true…

Reply

34. ajay


i have visited paytm.in

A mcommerce site, they talk about services they can provide to Operators & Enterprises. But they

dont talk about Their charges.

Can any body let me know what are their charges for IVR P.G.?

Thanks

Reply

Vikrant


Visit this link- change your thoughtsssssssss


Reply

35. Srain

August 10, 2009 at 4:51 am

Hi

Can any body suggest the best Payment Gateway service providers in India and the various pricing

model schemes.

Reply

Prakash Srivastava

August 29, 2009 at 12:44 am

Dear Srain

We are providing payment gateway service at very cost effective way, you can visit our website

and can leave a mail and will provide you all the information that how to go ahead

Reply

Krishna


Hi, I am looking to integrate payment gateway with my Portal,

http://www.simplilearn.com

So far I have spoken to only CCavenue, everything is great, but I think 7% transaction

cost that they are asking is too high…



cost that they are asking is too high…

Can any one suggest a better option….My potential customers are both in India as well

as Abroad.

Krishna

Reply

Kasi Viswanath Reddy

August 13, 2010 at 2:31 am

Ebs is better for indian customers they are charging bit low %. then CCAvenue

Reply

Vinay Arora


contact me at mike at hireindians dot net. I have many options for you.

Reply

Neha

May 13, 2010 at 2:49 am

Hi, I read ur thread here, i am beginning with a small scale business and want to have a

payment gateway for my website.. undoubtedly, most reliable and cost efficient.

request if you can advice me on that.

thanks

Reply

Kasi Viswanath Reddy

August 13, 2010 at 2:34 am

hi Neha ,

We are also planning for payment Gateway , I am planning for EBS, what do you

say , What are you using now. How is your business going on.

Reply



Hi Neha,

You will interested to know how we works. It is very transparent for every one.

Please visit





In this…. All VISA & Master Cards are accepted it can Debit Or Credit Cards

inssued by any National Or International Bank.

Regards,

Vikrant

09891692294

Reply

Prasanjeet Roy


Hi Prakash,

Im looking for a PG option for my upcoming ecomm website. We are a Kolkata based

start up dealing in leather products and accessories. Please mail me the packages that you

can offer me. And the required documents.

Thanx.

Reply

Pradeep Awate


Hi Mr. Prasanjeet

Please Share your email id or mail us on [email protected]

Reply



Hello Mr. Roy,


Please visit


In this….we are accepting all currency, All VISA & Master Cards are accepted it

can be Debit Or Credit Cards inssued by any National Or International Bank.

Regards,

Vikrant

09891692294

Reply



Reply

Vikrant


Please visit


And solve you problem……:)

Reply

Vikrant



Best option for you….

Reply

36. Abhishek Bhargava

August 31, 2009 at 8:53 am

Hi Guys

Kindly get in touch with me at 99821 33333 for any IPG services at Rajasthan & UP.

We can provide IPG services from Merchant Solutions which is a Joint Venture between FDI &

Standard Chartered Bank for Asia Pacific.

Reply

37. Seb

September 2, 2009 at 1:02 pm

First of all, fantastic info here. Secondly, all the companies that I’ve spoken to that use CCAvenue are

not happy with their service nor their support. Direcpay from Times of Money seems like a good

option currently.

Reply

Abhijan Nandy


Hi Seb,

Thats a big statement to make considering more than 90% of Indian websites use CCAvenue

PG services. Can you let us know as to which of the merchants whom you have spoken has

expressed their unhappiness….or are you just a troll trying to defame them. We are using them

for last 7 years and are absolutely satisfied with them. They offer an unbeatable brilliant package



for last 7 years and are absolutely satisfied with them. They offer an unbeatable brilliant package

with 50+ payment options, free merchant account, free risk management, no chargeback

representation fees, free IVR etc. They are worldclass and no other PG comes remotely close

to their offerings or service.

Would appreciate if you could list out your contact details as when I click on your link it goes to

an american website called virtualloan.com. Will await your reply. Regards, Abhijan.

Reply

himanshu

June 25, 2010 at 6:33 am

90% payments done thru CC avenue????? put correct facts dude…CC avenue doesnt

have any big name

Reply

38. Sriram


I would like to know if anyone is providing payments using mobile. Our website accepts donations in

the amounts of 10s. So it would be easy for a customer to send an sms and 10/- is cut from his

prepaid or charged to his account.

Is there any such facility in India?

Reply

vijay


dear sriram

please let me know if you get same info.

thanks

Reply

39. Nishanth Nair


Thanks a lot fo this review. It was very useful for me. keep up the good work!!

Reply

40. tulasiram


good review and i appreciate, i would suggest for the bignners to go with CCAvenues….:)

Reply



Reply

41. Unmesh

October 1, 2009 at 1:59 pm

Hey guys, just opening up office in Mumbai. Please do check our payment portal

http://www.indiapay.com. We accept payments in 180 countries and can settle in 30 currencies around

the world. Also accept payment through virtual terminal, POS terminal, mobile, IVR and API (to get

payment within your software).

Accept all types of payments Checks, paper checks, ECS, RTGS, NEFT and of course credit and

debit cards.

We are new to the Indian market but processed 380 million transactions worldwide last year and been

in business from 1994 in US. We probably already have all the integration working with some of our

85,000 merchants worldwide. Give us a call. 98230-44771.

Reply

rahul bhardwaj


Dear Unmesh,

This is Rahul Bhardwaj from http://www.worlddailytours.com

I m looking for merchant A/C. mail me all info in my mail id.

Thanks

Reply

Vikrant


Please visit


We have good option for you..!!!!!!

Reply

Rajiv

May 5, 2010 at 11:34 pm

Can you also process USD credit card payments?

Reply

Vikrant





Hey Rajiv-

Please visit


They have good option for you

Reply

vijay kumar

May 6, 2010 at 2:52 pm

Currently working in a payment gateway company and looking for change if any opening in

indiapay pls call me on 09711196973. I have around 4+ yrs of exp in payments domain with

Operations & Business Development.

Looking for your positive response on this

Regards

VK

Reply

BA

July 4, 2010 at 7:42 pm

hi Vijay,

which city are you in?

i need to integrate my site with billdesk, have you worked with them before?

let me know and we can talk further.

thanks,

BA

[email protected]

Reply

Anu Bharara


Never ever do Billdesk, we are crying because of them. Very poor response times

and payments never go through.

Reply

Jai



Jai


India Pay is just a Fake company

Reply

42. Nandkumar


Hi,

I’m in search of paygateway which is actually giving facility for fundraising in terms of donation for

NGO. Looking for such type of facility provided by any paygateway, which shoud not charge any

heavy or no chrge for setup, and very little transaction chages and no AMC. Please suggest.

NGO is working for Kidney patiants. Also in rural area where Education, Medical aid, helping hand to

farmers.

Cell No: 9967024237

Thanks!

Reply

vijay


Hi would you please leave some more details for your work in chaity

where are you base ?

Reply

Mihir Kumar


Hi Nandkumar,

Wondering if you got any interesting responses?

I run a very small charitable organization and need an online payment facility for my donors .

Would request you to provide any relevant information

Mihir

http://www.asha.net.in

Reply

Vikrant



will be best option for you

Reply



Ranjit Agarwal


http://www.abcpayments.com do not charge any amc

Reply

Vikrant


Hi Nand Kumar,

Please visit


We have good option for you

Reply

43. amit


I am looking for a reliable payement gateway for my website.. please let know some good payement

gateway..

Amit

Reply

44. Sonal Kapadia


Can anyone provide me information on ABC payment gateway ? Are they functional ?

Reply

Sonal Kapadia


ABC payment gateway have closed down their services in April 2009 and CCAvenue has

taken over ABC payment gateway merchant as they are no more functional.

Regards

Anamika Desai

Reply

45. reena


can anyone suggest me best payment gateway service provider



can anyone suggest me best payment gateway service provider

Reply

46. chandresh


nice website to get details

Reply

47. ravi


I found this coupon for CCAvenue which can save you 5% on registration charges. Might be useful for

someone looking for CCAvenue…

http://www.offersforshoppers.com/NewOFS/leads/payment-gateway/payment-gateway-india.htm

Reply

48. sharat


Can I register for multiple Merchant accounts through a single Website/Portal/Entity.

Idea is to link multiple manufacturers directly to their customers through a portal ? Can this be done ?

or does it require the website to hold a merchant account and thereby re distribute the money ?

Reply

49. rahul bhardwaj


Dear Sir ,

This is Rahul Bhardwaj from Noida. I’m truely interested in making one online thirdparty payment

gateway, being a web developer and network administrator, I really felt I can do or something I can go

for a third party payment gateway.

I didn’t get any answer from people, users who are acutally working on this kind of projects or had

been working, till date. and rusty search engines only giving fake articles these days.

I think my question may need more clarification…

I am talking about creating/becoming a service such as PayPal,Authorize.net,EBS, Direcpay or

CCAVENUE….

So plz mail me as soon as possible.

I’d really appreciate If you come forward and provide some information which will be useful for me.

Thank You.

Regards,

Rahul Bhardwaj



Reply

Naazish


Hi Rahul,

Please share your email id with me. mine is [email protected]. I have a similar interest as

yours and would like to initiate further discussions.

Look forward to your reply.

Regards,

Naazish

Reply

Abhinay

July 20, 2010 at 5:15 am

Hi Rahul,

I recently saw your post and I was also thinking in the same line since quite a few days.

Have you made any progress in this direction so far? If you like, I’ll also be interested in

discussing this with you.

regards

Abhinay

Reply

50. Jay


This site is truly informational indeed.

I’m an American and was wondering how difficult would it be if I wanted to open a PSP and a PCI

compliant gateway in India? How much does it cost and so forth if I want to use the PSP for US based

businesses. I’ve spend a ton of time and money talking to “expert professionals” in India, who’ve just

taken me for a ride. I’m looking for competent professionals who can help me with this project. I’ll be

checking this often so please drop me a message.

I could be reached at +1-573-253-1223

Reply

51. Kishore


Hello,



Hello,

I tried to pay my BSNL phone bill from Canada through online payment through bsnl website

http://billchn.bsnl.co.in/index.html. The payment gateway used by this site is Bill desk. It seems its not

accepted any of the credit card both visa/master-card which is issued by Canadian banks.

Any reasons?

Thanks

Reply

rahul bhardwaj


Dear Kishore,

Mail me your number on [email protected]

I’ll tell you everything…

Thanks.

Reply

52. Mihir Kumar


Hi , After browsing through all of these I am still greedy for an easy and straight answer

I run a very small charitable trust and would like to accept donations/subscirptions via the website.

Ofcourse I would like it to be extremely economical and can compromise on a few features ( like using

only Debit Card if that brings down the cost)

I would also very reluctant to pay the cost per transaction- especially since this is the donors money,

and we take pride in being a zero overhead organization now.

Thanks a lot …… Any response will be more than welcome

Mihir

http://www.asha.net.in

Reply

53. Sandeep


What should i do if i want to have a payment gateway for my website????

I mean what are the steps and procedure???

N which is the best PG????

Thanks in Advance….

Bye……

n this discussion are just too good…

Reply

54. Sandeep





please let me know in my mailbox if possible….

Reply

55. Sandeep


O sory my mail id is [email protected]

Reply

srikanth.K

August 19, 2010 at 11:09 am

Dear Sandeep,

Im trying to start some online business. So, i need the payment gateway which offer Best plan.

I hope u had some info. about it. Pls forward to my mail id: [email protected]

Reply

56. Rahul Bhardwaj


Dear Sir ,

This is Rahul Bhardwaj from Noida. I’m truely interested in making one online thirdparty payment

gateway, being a web developer and network administrator, I really felt I can do or something I can go

for a third party payment gateway.

I didn’t get any answer from people, users who are acutally working on this kind of projects or had

been working, till date. and rusty search engines only giving fake articles these days.

I think my question may need more clarification…

I am talking about creating/becoming a service such as PayPal,Authorize.net,EBS, Direcpay or

CCAVENUE….

So plz mail me as soon as possible.

I’d really appreciate If you come forward and provide some information which will be useful for me.

Thank You.

Regards,

Rahul Bhardwaj

Reply

57. raj

November 4, 2009 at 8:29 am

Hi,

What is the difference between oxigen and CCAvenue??



If both do payment gateway – why should i choose one over other?? any insights will be great. thanks,

raj

Reply

58. Unmesh

November 20, 2009 at 1:33 pm

Sorry, had not checked this blog for some time and I do not receive any emails. For Charity work with

NGOs, we’ll try to work with you and arrange the best available rates provided that these are real

charities. Currently we are working on couple projects where we allow people in US to send money to

India for a specific cause through their bank account. Credit/Debit/other options can also be added if

someone is interested. I may be able to connect you to some organizations here who could be helpful

to real charities. Send emails directly to [email protected] with detail information about your

charities and what you do and what you need. Thanks.

Reply

RP

July 18, 2010 at 11:25 am

Dear Unmesh,

Hi, we have one jobsite which is functional from 2007 but we need the payment gateway

integration for our site for which we can only pay startup fee upto Rs.3000, I feel, you can help

us in this context and we can partner with you by keeping your banner on our site and we can

also offer you the 20% of each transaction that a customer did on our site. I hope, this can help

us mutually. You can reach on [email protected]

Regards,

RP.

Reply

59. Sean


Does anybody know which of these payment gateways works with online dating.

Apparently CCAVenue and EBS don’t work with dating companies.

Reply

60. Tom


Majority of Indian payment gateways have a lot of disintegrated platforms like some use cards, some

use internet and some use mobile when it come to the common man all these are still not feasible hence

a unified system like what is there in US / Singapore etc needs to be coming in India to make payment

gateways accessible to common man “aam admi”.



Not a long way to go our technological companies are doing great we have to wait little to get good

features to enjoy.

I would like to continue a trail on my blog: http://thomassjacob.wordpress.com

as this topic is going to be interesting ….

Regards,

Tom

Reply

61. Shyam


Hey,

I had a really bad experience with Direcpay / TimesofMoney. Very unprofessional setup, no decent

customer support.

Don’t be fooled into thinking that timesofmoney will be good since they are of times group.

Still looking for a decent Payment Gateway.

Reply

Avinash Sawant


Dear Shyam,

Only, if at all your platform is on either ASP, ASP.Net only in case if you yourself are liable for

the required ASP to .Net migration OR JSP, I would sincerely suggest you to opt for HDFC

gateway. Pricing, am not much sure whether it is economical, but technically the overall

integration is quite simple and short and the support team there i.e., PGHelpdesk is very much

dedicated and sincere towards support.

Note: The integration if worked on by going thru the provided user manual OR else with the

help of the helpdesk team, can surely be done withinn just a few hours, i.e., a track record of 37

mins has been registered for completion of integration using pure ASP.

Reply

Gaurav Singhal


Hi Shyam

Can you suggest me which payment gateway is good? i tried with PayPal but it is not well

develop in India.

Can you please share with me your experience?

Many thanks

Regards,



Regards,

Gaurav Singhal

Reply

62. Florian

December 16, 2009 at 6:30 pm

hi,

thank you for your nice article!

we are running a startup-company in europe and would like to offer our online-products also to

indians. unfortunately the indian banks do not allow indians to pay with their indian creditcards in an

europe country…

does anybody know if there is the possibility to get an indian payment provider which takes contracts

with an european company? CCAvenue for example needs an indian company to do business

thank you for your answers!

Florian

Reply

jyothi


you can go in tieup with any indians

Reply

William


Dear Florian,

Kindly write back if you are looking for an business handler in India.

William

[email protected]

Reply

Hari


It is the India’s Central Bank (RBI) ’s monetary control policy preventing Indians to spend

outside India, that opened the doors of the ‘Hawala’ system. In short, it is the bad policies by

Indian government to blame. India acted like a closed economy, welcoming remittances from

Non-resident Indians, and export revenue to build up its kitty of dollar reserves, while acting as

a one-way street preventing overseas spending in this era of WTO and globalization.

Reply



Apeksha Kashyap


Dear Florian send us details about your business on [email protected]

Reply

63. Haja


needful article for me. when i search for comparison among indian currency payment gateways.

Reply

64. Akshit


Hello all, I need some help for payent gateways. Can anyone suggest me for some payment gateways

which provides B2B transactions at minima cost. Our company is venturing into a business where we

provide the B2B payment where both the parties cant bear the transaction cost.

Some payment gateway which works on one time fee or yearly maintenance would be conveniant.

Reply

65. vishal


howdy folks,

i am a web designer and developer, i found this discussion very beneficial and intuitive. if any one

having a problem with payment gateways and other web design and developments do contact me at

[email protected]

Reply

66. Ann


Just an additional information, Billdesk has online payment gateway and is known as Techprocess

(TechPro InstantPay).

You can visit the website http://www.techprocess.co.in/ for more information and contact details.

It is one of the competative online payment gateway service provider

Reply

A S K




r u from billdesk or techprocess

Reply

67. CHINTAN


i wants to start online financial portal.(cliant can trancefer fund with there banker) pls anyone suggest

online payment gateway service provider?

Reply

68. KARUPPASAMY.S


dear sir,

we are ngo based on Tuticorin district.We expected unlimited donations or transfer of funds in

percentage options through our website paypal transactions through AXIS bank.We ready to transfer

of funds unlimited.so,locate any corporate tax payers,black money holders,hawala funders also meet

or chat our website and donate online today.our ngo is excempted all legal types international and

national and income tax also.

we expected your opinion also,

s.karuppasamy

director

website:www.awardtrust.org

mail:[email protected]

Reply

69. Rickie Wong


I am starting a eBusiness in India, I want to know is ccAvenue the best out of it? Can they take China

payment like Alipay/ PaymentAsia? If so I will just go for one provider instead of applying for all. Also

can they do offshore settlement? I tried to contact a few but yet to get a response from it.

Reply

70. aakash


Just find out that IndiaPay is Not PCI-DSS Certified. They are CISP which is Visa USA’s Card

Information Security Program; which is not used in Asia-Pacific.

CISP is VISA and PCI is the industries standards committee for credit card security. In a few months,

CISP will disappear and everyone will need to meet PCI requirements. The certification process is an

annual process.

CCAvenue, One97 Communication (PayTM), Atom Tech are some of the Providers who are PCI-

DSS certified.



I dealt with all of them & found One97 more competitive & Services are good too.

Reply

71. Prashant


Back in Feb 09 i had to make the decision to choose a payment gateway for our ecom business (we

are into web hosting). It was not so much a difficult decision as the choice was so limited, from my

research the only 2 contenders were ccavenue and ebs. The rest either did not disclose pricing info or

they did not want to entertain startups. I kept hoping paypal or google payment would start taking INR

payments but that has not happend till now, i guess govt red tape stuff. Anywyas long story short and i

went to CCavenue. The paper work was a lot to get the merchant account and we never got credit

card facility (which i did not even want) but the experience has been good so far. The payment is on

time and the gateway works good. Though they really need to change the payment page, looks like it

has been the same since 10 years.

Reply

savitha

June 9, 2010 at 1:04 am

Hi Prashant,

I ask this question after reading your comment… we have been using ccavenue for more than 2

years now… but of late, more than 50% our of clients face ‘transaction failure’ and the

transaction doesnt get complete. I would like to know if you , or anyone else in this forum face

this problem??

Thanks

Reply

72. Kumaresan


Great Article. I am in a process of evaluating a Payment Gateway from my startup and this article is a

GodSend.

Thanks A Ton.

Reply

73. sam


Hi all,

Just thought that I would mention another Payment Gateway that has been operating in India for a few

years now. Merchant Solutions (technology provided by DPS – Direct Payment Solutions) offers all

credit card/debit card/mobile payments/recurring token billing/customizable hosted payments pages for



credit card/debit card/mobile payments/recurring token billing/customizable hosted payments pages for

full PCI compliance in INR. We are partnered with the Standard Chartered Bank in India and support

all development platforms.

We already have numerous merchants throughout India using the system successfully and some major

telecommunications providers coming on board soon.

I am more than happy to answer any questions you may have – [email protected]

Reply

74. Abhay

January 11, 2010 at 11:48 am

I read the article I got much information

Reply

75. Sai


Hello,

does anyone have any feedback about Transecute ?

Thanks,

Sai

Reply

76. Debashish Sarker


Just wait for few more month. Paypal is going to be launched in India.

Reply

77. Surender Dalal


Thanks very much to you all. Its the information provided by you people helped me a lot

Reply

78. Rajat

January 15, 2010 at 11:49 am

Any idea when is paypal launching in India.

Regards

Manmeet

Reply

Vishal Pratap Singh



Vishal Pratap Singh

March 13, 2010 at 2:37 pm

Rajat,

Paypal is already serving india with few conversion rates.

It accepts payment in INR and converts it into US $

Reply

79. Nikhil


Hi,

Would like to introduce you to Whizpay, the payment Gateway from TalentBeat Inc. Whizpay

provides browsers with an ability to have their MasterCard and Visa credit card based transactions

processed online in a secure environment.

TalentBeat can provide merchants the services of Online, Mobile, IVR, Gift Card and Loyalty Card

application on same platform.

Features:

1. Verysign and PCI complaint

2.Accept all Visa and Master Credit Card

3.Accepts 18 Banks Master Visa debit card

4.Support 36 Currencies including INR. US$ etc.

5.Have best charge back and Refund Policy.

6.Easy integration process.

7.Provide IVR , Online, Mobile application.

8.Easy credit processing.

9.Less chances of Downtime and many more.

Contact Details:

[email protected]

Reply

80. Akash


the information posted by the author and the users is helpful but nt conclusive.

I saw another comparison which rates transecute very highly.

I was about to finalize however a rough comparison indicate that they charge very high ie 7.5% for

every transaction worth 1000.

a few things …..if clarified i will really be grateful

1) Any alternative to CCavenue with less commission % and similar range of features.

2) My site is going to be commercial one similar to xtees one, (select –> add to cart –> check out)

how does ‘Payment on delivery’ mode works, does the courier company take care of the collecting



how does ‘Payment on delivery’ mode works, does the courier company take care of the collecting

and handing over the amount from the customer or its usually ‘in house’ home delivery solution.

3) If I incorporate CCavenue or any other decent gateway , is the ‘order tracking’ mechanism

seamless and the gateway company handles it or , I have to tell my develop to build a separate module

for order tracking and chasing.

Any help suggestion ( in point wise manner) is appreciated

thanks in advance

cheers,

Akash

Reply

Mahesh


Hi Akash,

You have option of TalentBeat payment gateway. They have semiler features to C C Avenues

and with less rates as compare to C C Avenues.

Reply

Pradeep Awate

July 6, 2010 at 12:04 am

The whizCart™ platform is a E-Commerce Solution provides the most comprehensive, flexible

and extensible Enterprise E-Commerce and E-Business capabilities. It includes absolutely all

you need to sell online and attract more customers using the power, reach and affordability of

the Internet. whizCart support all your B2C or B2B needs on a single platform. Merchants can

now run all payment channels starting from store checkouts, call center transactions, IVR,

mobile payments and online payments through variety of e-commerce solutions using a single

platform. whizCart shopping solution offers you a simple time saving “one-stop solution” that

effortlessly integrates all your e-commerce and marketing tools into a single easy to use online

solution.

We have made integration with whizCart easier for you. You can do it yourself or we can help

you in

integration with an easy 1 -> 2 -> 3 step process. Business owners like you appreciate our

ease-of-use and all-in-one feature set. You don’t need to pay for a web designer’s help

because you can do everything (yes, absolutely everything) yourself.

For further information you can call me on 09561133222;09819272490 or you can also mail

me on [email protected]

Reply

81. Apurv




Hello,

We have started our website http://www.rechargeguru.com for providing mobile & dth recharge for

prepaid connections in India.

We are using paypal. As all know that paypal.

Recently around mid of December we have tied with

ebs.in payment processor. There support team is quite well efficient. But just be attentive when u make

call to them regarding the Sign-up & integration charges.

There are some loop holes. So be clear and get every thing in written via email.

Will share more experience in coming days. If u have any query please email me.

Regards

Apurv.

Reply

SID


Hi Apurv,

read your comment about EBS.in – we were shortlisting that for our india website. Anything

specific you can share regarding the lopp holes in their proposal?

Thanks for your help.

SID

Reply

Apurv


Hello,

We have got our first payment from ebs.in 12 days back.

But still 45 days has passed they have not activated other banks payment system and visa

credit card payment system on our website http://www.rechargeguru.com

There are some loop holes, please keep all email records with u every time you are going

to call them.

For now my first experience i will rate 5 out of 10. Where 10 is for best, marks are cut

because credit card interface not activated.

Regards

Apurv.



Reply

Gaurav Singhal


Dear Apurv

Thank You to share your experience with us. I am also using paypal but they are unable to

transfer my money to my indian bank. Also cheque time is around 60 days.

Can you suggest me which Payment Gateway is good?

Did you also have problem with paypal?

I am waiting for your reply.

Many Thanks

Regards,

Gaurav

[email protected]

Reply

82. Cherag


Hello All,

I have been going through all the post and thought I could make some contributions to the same.

We have been using Payseal (ICICI), Billdesk and PayPal gateways connected with our sites. Let me

assure you that there are no companies in India which are of good standards with support and service.

You need to have your own tech team to do research and get rid of the glitches.

As for the commercials, the best suited would be ICICI with their payment processing fees in the 2.5-

3% segment and setup in the region of 20K to 30K. You can always negotiate if you have large

volumes.

You must also keep in mind that since debit cards can be processed on these gateways there is no real

or pressing need to have NetBanking facilities bcos if you have a bank account, you do have a ATM-

Debit card for sure. So no real need of going to 3rd party aggregators for netbanking.

Even with regards to economy, I would always suggest to have a direct merchant account with the

banks as they are very competitive and even if you are processing 5 lacs annually you will be saving the

setup fees which you are paying them as compared to any aggregator.

Integration wise, AXIS is the easiest as it does not require any DLL or extra installation on the server

as with other banks this will lead to you buying a virtual dedicated server at an extra cost.

BillDesk does provide some really good options and their payout mechanism etc is also smooth. You

might want to check if the setup cost suits you.



might want to check if the setup cost suits you.

A cost analysis would be as follows :

Direct Merchant Account from Banks :

Setup – Rs. 25K – 50K

Transaction Cost – 2.5% approx.

3rd Party Aggregators:

Setup – 5K – 25K

Transaction Cost – 3.5%-7% approx (whoops)

PayPal :

Setup – Rs. 0

Transaction Cost – 3.9% + 0.15 cents (dont forget that if you convert from foreign currency to INR

then 3% is charged extra for currency conversion rate)

Finally, I would suggest that either go in for PayPal or get yourself a direct merchant code from ICICI,

AXIS or HDFC bank.

Reply

Gaurav Singhal


Hi Cherag

Thank you to share your experience with us.

I am having problem with PayPal as they are not transfer money into my bank. Even the cheque

time is around 60 days or more. I receive payment through credit cards from my international

customer.

Can you please suggest me which option is good for me.

I am waiting for your reply.

Many Thanks

Regard,

Gaurav Singhal

[email protected]

Reply

BA

July 4, 2010 at 7:52 pm

Dear Cherag,

Could you please share with me any red flags to watch out for with Billdesk.

Also, any loopholes in terms of coordinating the integration with them would be helpful.

Hope to hear from you.



Hope to hear from you.

thanks,

BA

[email protected]

Reply

83. dev


Hello,

It will be good if paypal start accepting INR. Because we can use same paypal account on multiple

websites.

If you are buying online regularly then also it makes sense using paypal.

Paypal Fees 3.4% and not setup costs. Compare with Indian payment gateways you will see the

difference.

2CO also allow INR. bUt minimum payouts have to be Rs.1,00,000/-

Thankyou,

DEVANG

Reply

84. Neha


Hi

I am working with an NGO, and we are looking for a payment gateway for commercial transactions as

well as receiving donations.

We are thinking of using paypal in the US website, and get the funds in our FCRA Account.

We are also thinking of having a local payment gateway for the indian site.

Is it advisable to have 2 different PGs for 2 websites? what shud be the recommended course of

action?

Reply

Mahesh


Hi Neha,

Ypu can use as many gateways as you want…………… Get in touch with any of the service

providers mentioned above for process… currently m using 2 gateways…..

Reply



85. Gupta


We are looking for adding a payment gateway system on our website, we are into guest house

business and mostly bookings are from outside India in ratio of 70% foreigners aand 30% Indians.

Volumes are in start up range not big. Which payment gateway is most reliable, efficient, economical

and easy to use.

Thanks and please reply at [email protected]

We shall be happy to instal a payment gateway system on out site, if the pricing offered is competative

and right immediately within a couple of days time.

We already have ECS machine facility.

Reply

86. SANJAY


What should i do if i want to have a payment gateway for my website.

what are the steps and procedure.

presently i have only one product pack to sell.

also i want to setup internet email service like yahoomail, gmail, rediffmail etc.

can anyone help me find a solution.

SANJAY

Reply

87. Nitin


Hi,

I accept almost 30,000 USD each month from US, UK and other countries. I was using paypal but

having a problem from few days as they have stopped payment from personal paypal accounts from

client.

I was anyway planning to change them since they send money to India in INR and not Forex . Also

their conversion rate is very bad.

What are the options to accept foreign currencies of this volume. Shall I go to an India provider like

ccavenue, icici, axis bank or hdfc or international like authorize.net or 2checkout etc

Please advise. I want to get money in India in USd and then get local concersion rates.

Please advise and thanks for help.

Reply

Gaurav Singhal



Gaurav Singhal


hi Nitin

Have you find the better service yet. i am like you. I have faced problem with PayPal. My

money got stuck in it? Do you have any idea how much time paypal cheque takes? I started

using paypal in Jan and still not receive my first cheque. Please share with me your experience.

I am also receiving international payment like you.

Many Thanks

Gaurav

[email protected]

Reply

88. Mahesh


Hi Nitin,

You can go with any of the following.

C C Avenues

EBS

TalentBeat

Reply

89. Nitin


Thanks mahesh..How much time do they take to activate the account and start accepting payment as I

am in a deep cash crunch here..

Reply

Mahesh


You can contact them, its depend on your industry of work…… and your product……..

Reply

90. Tushar


I have also started my own business and want a payment gateway suited for Indian customers I have

also started an NGO named “Anatm” and I want to my both websites to get integrated to one payment

gateway to minimise cost. Can any one suggets me. My both websites will be functional from



gateway to minimise cost. Can any one suggets me. My both websites will be functional from

12/02/10. Can I do it.

contact me at 9311722212

Reply

91. Shubham Pathak


Dear all,

Good job done…very well knitted and informative thread.Though lot of deliberations and PoVs have

been discussed and raised in this thread.

Still the doubt looms large as to which is the best PG that can stand best at all the discussed

parameters of :

1. Customer service

2. TDR charges

3. Set up cost

4. Annual maintenance cost

5. Other cost of quality

Please correct me if i’m wrong but my guess says the answer to this question is none,as it us as a new

start up that needs to decide which PG is best suiting to our requirements in terms of 1. No. of

expected transactions 2. Type of API support 3. Continuity of services on the basis of f/bs provided

I shall be using it for my business in wellness industry……..all the best for the search

Reply

92. Suman


I have a requirement where I need to support

Credit Cards, Debit Cards, Online accounts, Visa, Master, Maestro for of my client application. Initial

and recurring cost also must be minimal.

Which service would be better for me.

Reply

Mahesh


You can go for any payment Gateway Service provider for that.

Reply

Sridharan Rajaraman


Bank of Baorda is in the process of setting up a Payment Gateway. You can contact them at

[email protected] to get the TDR rates and the charges.

Reply

93. pankaj





i got payment from overseas into my paypal account . but could not get into my bank

account…..please advise me ….i sell online

regards

Reply

94. Manisa


i have just mailed to two of the solution providers, lets look at the response and decide.

This dscussion has been very informative and healthy, do keep up the good work.

Reply

95. Unmesh


Glad to revisit this page. There are some factually incorrect comments from Aakash above which I like

to correct. IndiaPay is completely PCI compliant and has level 1 certification being certified on annual

basis at not only with PCI-DSS but also SAS70 which is much more stringent than PCI. PCI Level 1

means our platform process more than 10 million transactions a year. Our volume for 2009 was

approx 450 million transactions including US, EU, Asia and other regions. There are 22 processing

networks connected to our platform including Visa, MS, Amex etc. There are 40 banks or financial

institutions talk with the gateway across the world. There is simply no other provider in India matching

this depth. We process Credit, debit, ACH (ECS, RTGS, NEFT), Paper Cheques and Gift/Loyalty

transactions. Our API allows developers to code interface in Java, .Net, PHP, CGI, C++,

SOAP/XML web services. The usual development time is not more than few hours for experienced

developer for all above types of transactions. Front end which could connect to includes Physical POS

system (ATM, Kiosk, Cash Registers, Various Card swipes and terminals) , Web, Mobile, IVR,

Software ( ERPs like SAP, Oracle, accounting systems like Tally and Quick Books). More than 150

shopping carts have direct plugins to our systems. You can simply integrate all of these payment

mechanisms into any of your hardware, software or mobi/IVR applications using the extensive API

which is already built in. We promote our resellers and incentivize them by providing best TDR and

lowest transaction fee possible to their merchants/users. Major difference with other players and

IndiaPay is payment consolidation which provides all payment channels in one single pipe.

Right now you can accept

1. Credit/Debit cards from across the world and not just India.

2. Direct debits/Remittances from US, EU and China customers from their bank accounts.

3. ECS/RTGS/NEFT/Direct debit payments from any Indian bank account holder.

4. Paper checks – American and Indian.

Feel free to drop me a line and I can provide you the integration manual.

Rgds,



Rgds,

Unmesh

Reply

Gaurav Singhal


I am using PayPal. But it is not transfering my money to my bank account and even the cheque

time is around 60 days or more. But it is very cheap in comparision to other indian payment

gateway. Will any body suggest me which is best and low rate Payment Gateway in India. I am

my international customers only. Many Thanks Gaurav

Please email me at [email protected]

Reply

D. Arun Kumar

July 17, 2010 at 7:22 am

Background: A Inbound travel company clientale are both Indians as well as foreigners from

countries (America / Canadia / UK / Australia / Europe / Nigeria / UAE / Russia). They

payment currently comes via NTFC / Swift Wire Transfer in currencies such as INR as well as

above countries currencies.

Que.: 1. We want to start accepting worlwide Credit card / Debit Cards issued by varrious

Banks worldwide, hence which payment gateway is the best (reliable) and chepaest TDR wise

to go for to accept all currencies and all worldwide credit / debit cards?

Kindly advise.

Rgds.

Reply

96. Satyendra


Hi,

Appologies to use this platform, since this is payment gateway related forum and we are in process of

building technologically most advanced payment system(and most competative) and I need your

thoughts for any feature you might be looking for in the new system. Do email me your thoughts what

you want from new system which doesn’t exist yet now.

You can email me at [email protected].

Thanks and With Warm regards,

Satyendra Singh

Reply

97. Gaurav Singhal





I am using PayPal. But it is not transfering my money to my bank account and even the cheque time is

around 60 days or more. But it is very cheap in comparision to other indian payment gateway. Will any

body suggest me which is best and low rate Payment Gateway in India. I am my international

customers only. Many Thanks Gaurav

Reply

98. Vicky Pradhan


Indian payment gateway really needs to improve by miles, having said that in the current stage one has

2 options:

1) Go with the banks (HDFC, ICICI)

They charge from 2% to even 5 or 6% based upon how much you are willing to spend.

But be ready to serve them with number of painful documents, and in some cases you might also be

asked to place in a fixed deposit in the bank ranging from 1 to 5 lakhs.

Positives –

Comparatively better customer service,

Relatively quick transfer of funds to your account

Lesser per transaction cost (This also depends on your negotiations with the bank)

Negatives –

Lots of documentation and a lengthy process

Increase in investment due to requirement of fixed deposit (in some cases)

In some cases banks offer relatively lesser avenues of payments (like no option is available for payment

through mobile, certain banks debt card and internet banking)

2) 3rd party vendors (Timeofmoney, CCAvenue)

Their per transaction fee ranges from 3.5% – 7% while the cost of procurement of the service will

range from 7,000 to about 40,000.

Positives –

Quick process, not as many documents or fixed deposits required

Large avenues for funds transfer available, as these vendors have tied up with number of banks.

Negatives –

Poor customer service

Long lag period in transferring of funds to your account (ranging from 1 to 2 weeks)

Higher per transaction cost

PayPal currently is not an option for the Indian vendors, as the USD funds are not permitted to be

transferred in Indian currency due to certain issues raised by RBI.

So make a wise decision considering all the pros and cons.

Vicky Pradhan



Founding Member,

bharatbuy.com

Reply

99. A


http://www.dialaflower.in

Reply

100. Sudarshan

March 13, 2010 at 10:34 am

Thanks a lot for starting this thread ..this is just what I was looking for!!

Reply

101. janardhanan

March 15, 2010 at 2:21 am

Just try EBS it looks good and highly secured,, you can have a best service over it ,,,

Reply

102. siva

March 15, 2010 at 11:44 pm

http://www.moneybookers.com – is one of the best option setup your account here in INR all your

transaction will be in INR and they are 60% less than all Indian gateway ….accept all CC and even

your debit card works in that. No setup fee, easy integration.

Reply

Rahul Pandey


Buddy, get your facts right, moneybookers does not allow everyone to accept credit/debit card

transaction. i.e, your customers will not be able to pay through credit/debit card, in order to

obtain these features you have to obtain special permission (which you will not get easily) plus

they have a limitation problem as well.

Reply

Panicker


Please guide me to the best payment gateway for receive payments globally without any

chargeback risk. My website is http://www.bendingschedule.com.

Reply



Reply

103. Umang

March 16, 2010 at 5:23 am

Hello,

Just to tell you that if anybody requires a payment gateway from ccavenue,direcpay or ebs. Then i can

offer you 10% or more dis. on their setup charges.contact me at – [email protected]. Offer

only for Indian Citizens .

Reply

104. cybervillage kottakkal

March 25, 2010 at 8:01 am

which is the cheapest payment gateway available in India for online transfer

Reply

105. Rishi

March 30, 2010 at 8:00 am

Hi,

I am in the process of starting up an online business where my expected transactions will be few but

the cost per transaction is going to be very high. As such, I can’t afford to have any failed transaction

on my site.

Can anybody suggest a PG with a good track record and low rate of charge for the transaction?

Rishi

Reply

106. santhosh

April 8, 2010 at 6:59 am

ther is also another company 4 payment gateway which is billjunction, a venture of ICICI thats also

good

Reply

107. Sharad Pandey

April 9, 2010 at 8:02 am

Hi,

I am looking for a gateway which is economical as well secure for the transaction supporting currencies

-Dollar/Indian Rupee

Reply

Nikhil Gangurde

June 15, 2010 at 9:03 am



June 15, 2010 at 9:03 am

Hi Sharad,

whizPay is one of the solutions for you.

Reply

108. Retail Magica

April 19, 2010 at 8:26 am

rather interesting thread. very useful for startups, we think.

Reply

109. NS

April 29, 2010 at 8:49 am

I have gone through the all the comments ,however no one seems to concern about the chargback

issue. I hope whatever payment gatway is used it seems no one has read the fine prints of agreement.

The payment gatway will debit the merchant immediately on any chrageback request whether you have

delivered the product even after two months also . Recently we have a case wherin the order placed in

January was executed in time and materail delivered to party in Jan itself however we were shocked to

see that payment gatway has put the chargbeack in March 30th for the tran done in Jan and debited

our a/c. When we contacetd them we were asked to see the agreement and as per the agrement

merchant will be debited immediately . L ater provide the Proff of delivery , order details etc to take up

the case with Master/Visa network. we awere aslo told by gateway that these are card used

fraudulatenly by someone and now actual card holders has filed complain to their card issuing bamk in

turn issuing bank has sent to master visa and they debited paymant gateway and in turn mechant is

debited.

As the card details is given by the customer in the payment gatway only and there are 3 d secure or

3rd layer of security check etc at the time of authntication of tran by the gatways why the merchant

should be penalised for this. As merchant only give delivery of servicers/material based on the credit

given by payment gatway and have by no means knowing that the card is used is not fradualtenly

aquired by the person. We were told that all banks are govrned by the Master /Vise rules in India. I

have cheked even the ccavenue has this clause in the agreement and for tran done through stolen

card/information the merchant will be debited immediately.

So I request all of you to read the fine print of your agreement with the payment gatway and talk to

your payment gatways service provider and try to understand the chargback issues. I still feel that

merchant is at the reciving end in this process as they have no means to know that customer is using his

own card for the transaction or the fradualtely stolen card.

I would also like to know if any one has solution for this and any payment gatway in India who does

not penalise merchant for no fault of them.

Reply

Nikhil Gangurde

June 15, 2010 at 9:01 am



Hi NS,

whizPay is a solution to your problem.

Reply

110. N1

April 30, 2010 at 1:56 am

wef

Reply

111. Rajiv

May 5, 2010 at 11:55 pm

Which ones offer an API for integration? I dont want my customers to be redirected to another site for

payment.

PayPal offers website Payments Pro with an API but its not available in India.

IndiaPay offers one it seems. Has anyone used it?

Reply

Nikhil Gangurde

June 15, 2010 at 8:59 am

Hi Rajiv,

TalentBeat Inc also offers API in India.

Regards,

Nikhil Gangurde

Reply

112. Vishnu

May 8, 2010 at 3:30 am

Even though these payment gateways are active in India, we need more bargaining power to get the

best offer from them. Even paypal is a li’l expensive

Reply

113. Hariraj

May 9, 2010 at 12:00 pm

Quite useful information. I was also doing a similar research for my startup (www.longlongago.in).

Paypal has opened the services again in India. fyi.



Paypal has opened the services again in India. fyi.

Regards.

Reply

114. Rama Shanker Singh

May 10, 2010 at 1:11 pm

Can anybody help me for how can we use payment gatway.

Reply

Nikhil Gangurde

June 15, 2010 at 8:58 am

Hi Mr.Rama,

Please share your contact details with us,we will provide you all the required information.

Regards,

Nikhil Gangurde

[email protected]

Reply

115. Darshna

May 26, 2010 at 2:19 am

In case a payment gateway currently offering payments through the internet (online) wishes to enhance

its offering by integrating with a mobile platform.

Can anybody inform as to what is the process to do this? Are there any additional factors to be

considered here?

Reply

Nikhil Gangurde

June 1, 2010 at 8:44 am

Hi Darsha,

Talentbeat can help you with mobile application.

Regards,

Nikhil Gangurde

09028015733

Reply

116. Manoj

June 6, 2010 at 4:26 pm



I have gone through the comments..

My requirement is I need a payment gateway in India to do credit card and debit card transactions of

my customers in usa and canada. I need virtual terminal mode of transaction. my customers provide

card information through phone and i should able to do it from single place in india.

Is it possible? If so which payment gateway i should go for…please help me someone …

Reply

Nikhil Gangurde

June 15, 2010 at 8:53 am

Hi Manoj,

You can go for TalentBeat Inc (www.whizpay.net) for this solution.

Reply

117. Rupesh

June 8, 2010 at 7:09 am

gooD Help!

Reply

118. Rupesh

June 8, 2010 at 7:17 am

can anybody tell me…

i want E-Commerce revolution on my web site like Mobile Recharge if i signed with X payment

gateway, if any customer want to topup on his mob, then after entering his Mob no. and Amount, and

required credential then

Who exactly topup his mobile?? is it Payment gateway or needs any other setup for topup…….???

Reply

Nikhil Gangurde

June 15, 2010 at 8:52 am

Hi Rupesh,

Payment Gateway will only charge payment amount to user. But for your requirement

TalentBeat Inc. have solution of Prepaid and wireless card. Please share your contact details

and requirement with us on [email protected]

Reply

119. pallavi88

June 10, 2010 at 1:46 am



June 10, 2010 at 1:46 am

hi ,

i am about to launch my website with one of the payment gateways, looking at the above comments, it

seems really difficult, rather impossible to get ccavenue for us “sole proprietors” they say it like its a

bad thing ..so the only option seems like EBS or Directpay. the person designing my website managed

to get a reply from direct pay, where their rates are like almost exactly the same as EBS . So here im

confused…which one should i go for? im nt sure if tie ups with several banks like ccavenue is a criteria

for judging ebs n all ? can someone please help ….both ebs and directpay are known so i dnt know

what to really look at here

Reply

Nikhil Gangurde

June 15, 2010 at 8:49 am

Hi Pallavi,

You can try with whizpay also. (www.whizpay.net)

Reply

satish

July 7, 2010 at 5:07 am

go with a bank

regards

satish@9940022984

Reply

120. Helen

June 17, 2010 at 10:12 am

wow.. what an amazing thread of information.

I felt I just got my 101 on payment gateways. thank you.

I am an ngo looking for a payment gateway to accept donations world-wide. From my reading this

entire thread, it seems the options available in India are:

1. Indiapay

2.One97

3. Merchant Solutions

4. EBS

5. Talentbeat

I will contact all of them to see who offers the best deal and share it with all of you here. I can be

reached at 98103 88843.

Thanks to the person who started this.

Kind regards,



Kind regards,

Helen

Reply

121. Aditya

June 17, 2010 at 12:04 pm

Hi,

We are still contemplating which one to use…Although finalised on going with CC Avenue now m

confused after reading the comments…please guide.

Aditya

Reply

satish

July 7, 2010 at 5:06 am

Hi aditya,

its better to go with a bank.reach me at 9940022984

Reply

122. Venkat

June 21, 2010 at 5:50 am

Would look forward to Helen’s exploration and learn from the experience. Looking for an online

payment gateway provider in India.

Regards,

Venkat

Reply

123. Helen

June 24, 2010 at 7:29 am

Hi All,

I called up a few of the payment gateway options and this is what I got. I asked in terms of an NGO.

- Indiapay – They seemed professional and had special rates for NGOs. They charge about 3% per

transaction. They currently do Cleartrip.com.

One97 Communication – They charge about Rs30,000 as a start up payment and then its 2.75% per

transaction

EBS – They said they dont do NGOs so we did not speak further

Merchant Solutions – he said an ngo had to be etablished for three years before they would consider

us so we did not speak further.



us so we did not speak further.

Talent Whiz – They also sounded quite professional and have different tiers of payments. They

sounded professional as well.

As an NGO, I would go for Indiapay. The only thing is if I would fit into their profile or not.

I wanted to ask if anyone had any recent experiences with Paypal in India. I am hearing a lot of mixed

reviews. Would really appreciate it if someone could let me know.

thanks,

Helen

Reply

124. shashank

July 1, 2010 at 3:08 am

I am planning to open a sub-broking outfit for stock market trading for my clients, i want my clients to

transfer fund onloine to my bank accoutn as they trade.

How do i go about it?

Reply

satish

July 7, 2010 at 5:05 am

hi reach me at 9940022984 i will help you out.

Reply

125. Arvind

July 1, 2010 at 11:52 am

I’m also getting mixed reviews about paypal and have been trying to apply with Indian payment

gateways to put on my site. Because I am in Australia, I can’t seem to find any Indian payment

gateway that would allow me to trade. Do I need to open an Indian bank account or something? Helen

have you regsitered with Indiapay. Has it worked?

Reply

126. Helen

July 4, 2010 at 5:55 am

Hi Arvind,

I haven’t registered with Indiapay as yet. I have opened an Account with Kotak Mahindra and they

have assured me that they will offer me a payment gateway service. I don’t quite believe them, and

once my account is opened next week, will have a clearer idea of it.

I actually got an email from paypal saying that they have legal and regulatory restraints in India so I

can’t use them as an NGO. Not too sure if it works for commercial enterprices.



You could sign up with them, its free, and see what they email back to you.

My experience has been that the best way for any info is to call up the company directly. Talentbeat is

a mobile number and someone picks up immediately and so is Indiapay, so you don’t waste a lot of

long distance money being put on hold.

Hope that helps..

Helen

Reply

127. Anuarg Bansal

July 7, 2010 at 8:03 am

Hi

Everyone

My name is Anurag Bansal .. and i need a online payment solution for my business . so i m so confused

.

i have to go with Third party payment gateway (ccavenue , EBS , Direcpay ) or i have to go with the

bank (HDFC , ICICI , CITI BANK ) .

so anyone can help me so please contact me via mail .

my mail is – [email protected]

Thanks

Reply

Pradeep Awate

July 9, 2010 at 12:05 am

Hi Anurag!

You can go for TalentBeat Inc (www.whizpay.net) for this solution. [email protected]

9561133222; 09819272490

Reply

Kunal


@Pradeep,

I visited your site and found that WhizPay supports for RFID. I want to know details

about this option. If you can share some demo, it’d be great!

Thanks

Reply



Awate Pradeep


Dear Kunal

Please mail me your Company profile and your requirement. on

[email protected] or call me on 9561133222

Reply

ICICI Bank Care

July 14, 2010 at 7:27 am

Hi Anurag.

We are the customer service team at ICICI Bank. Please email us your contact detail at

[email protected] and we will contact you at the earliest. Kindly refer “547298” in the

subject line.

Regards,

ICICI Bank Customer Service Team

Reply

128. Manish Kumar

July 8, 2010 at 2:59 am

Hello Anurag,

I believe setting up third party payment gateway would be the easiest both in terms of software

integration and paperwork involved initially. I would suggest look at EBS and ccAvenue in detail. I

have created a list of points that may help you zeroing down on one of the options. Here is the link

http://www.friendsofbooks.com/blog/top-ten-questions-for-payment-gateways

Thank you,

Manish

Reply

129. pallavi88

July 10, 2010 at 3:28 am

ok so here is the issue …

cc avenue seems to be good..but has something against sole proprietors……. i have contacted them

lets see their response if this is really true..

then comes direct pay….they want you to upload your website, go live and then after 15 days or so

they will consider the application.. so basically i would have to upload an e commerce website without

an option to sell……. they will take their own sweet time to consider after maybe people think my

website is useless…



website is useless…

now come to ebs . they responded really fast and were totally ready to start the process..(really fast i

mean i got a call and an email within an hour) they were like not even ready to wait for me to consider

..which made me feel a bit wierd…

i would want to know if anyone is using ebs, i mean are they good ? their tie ups are less considering

cc avenue or direct pay. and im running out of time.

what to do ?

Reply

130. pallavi88

July 10, 2010 at 3:34 am

for satish

taking a bank payment gateway,

i contacted my own bank hdfc, their system was relaly wierd.. they wanted me to be running my

business for like atleast 2 years prior to opening the website, plus they wanted an fd for about 10 lakhs

to be made against a payment gateway. it makes it almost impossible to go for..maybe any other banks

are might be not this unreasonable ..what would u suggest then

Reply

131. Manish Kumar

July 10, 2010 at 6:51 am

Hello Pallavi,

ccAvenue paperwork does seem daunting, but is usually not an issue. We were able to get an account

as sole proprietors. EBS is also good, and yes, they are prompt.

Manish

Reply

132. PALLAVI

July 12, 2010 at 3:31 am

hi manish,

so you are using cc avenue then or ebs ?

Reply

133. Farhat Bakshi

July 12, 2010 at 4:20 am

I have never used CCAvenue before. I have always used ICICI and found it very nice. Good



customer service and timely response. No problems so far.

But I will surely give CCAvenue a try as well.

Also, I wasnt aware that IRCTC provided details of transcations. This is really good.

Reply

ICICI Bank Care

July 14, 2010 at 12:11 am

Hi Farhat,

Thanks for giving us your valuable feedback. We are glad to provide excellent services to all our

customers.

Regards,

ICICI Bank Customer Service Team.

Reply

134. Manish Kumar

July 13, 2010 at 5:04 am

Hi Pallavi,

We are currently using ccAvenue.

Manish

Reply

135. Pradeep

July 14, 2010 at 5:34 am

Someone said paypal can be used in India…. I am launching my business and website newly and don’t

want to spend thousands and lakhs just to get a payment gateway.

From my understanding and what I learn from above comments about paypal

PROS:

Paypal is free to start (no setup fees)

Easy to integrate in websites with lots of APIs and examples available

CONS:

INR payment is not possible in paypal

Other then some 3-4 % transaction fee, I also need to pay some 3% currency conversion to INR

To get the money to India it may take as long as 60 days or more.

Is their more about payapl to be used for business in India with customers worldwide. If someone is

using it please share your experience. People here said that their are mixed reviews about paypal, it will

help in knowing these reviews.



I am fine with accepting payments in USD as long as customers in India can also make such payments

using their credit cards and online payments from Indian banks.

Can someone share their experience about real time taken to get your money from paypal to your

bank account in India. What all is required to get paypal account for business in India, also any issue

we can have using paypal gateway…

Reply

Rajesh

July 15, 2010 at 12:06 am

Hi pradeep,

I found whiz Pay as a great gateway. its a indian company but was doing business in US.

recently they started providing services in India. i was really confused in selecting a gate way

and was not interested in entertaining new companies. Just to do research I gave a try by calling

up this company (Talent beat). and i found that they support 36 country currencies . And

various other features that they provide are unique in India.I am very happy by looking at the

results.

Thanks to startup duniya for providing me their contact number they are quick in responding and

very professional.

Thanks Talent Beat!

Reply

136. Rajesh

July 15, 2010 at 8:36 am

It should have SSL encryption, and PSS-DI certification

What are the various payment options you want to use?

It should be user friendly

Should have good customer support

Few things should be kept in mind before choosing A gate way:

It should be quick in importing and exporting data for accounting

There should be no need for you to be present at every transaction that occurs

Should know Shopping Carts are compatible with your intended payment gateway

currency conversion

100% Server up time

IP Address mapping

Always think of long term cost

Reply

137. RP

July 18, 2010 at 11:32 am

We are looking for some best web/portal designing companies who can design,develop,maintain. Our



We are looking for some best web/portal designing companies who can design,develop,maintain. Our

idea of the portal should offer services like online bill payment (utility bills, mobile bills etc.,) ECS,

NEFT, RTGS, by accepting all the online banking systems, credit cards, debit cards. Also, this portal

should include the income tax payment. Can anybody who would like to work on this please contact

us on our email ID: [email protected]

Regards,

RP.

Reply

138. Praveen

July 27, 2010 at 1:07 am

HI, I woudl like to know one solution for payment gateway

Reply

Manish

July 28, 2010 at 6:17 am

Hi! praveen

Can you provide your business details so that we can advice you on the similar lines

Reply

139. Kamlesh

July 28, 2010 at 8:01 am

Hi,

We are going to develop one Application which is based on Cellphone SMS. In our application End

user will buy/pay some government stuff(like Electricity bill, Wealth Tax etc.) by a single sms. We are

facing a problem of payment. We thought following options.

Money will deduct direct from Prepaid Connection Balance and Mobility Service Provider (Like

BSNL, Reliance etc.) will handle remain transaction with government.

So we need to know that, is this a possible way of payment or not?

If not than please guide me some possible way for payment.

Reply

Pradeep Awate

July 29, 2010 at 12:35 am

Hi Kamlesh!

Please share your contact details for further discussion

Regards



Regards

[email protected]

Reply

Kamlesh

July 29, 2010 at 1:15 am

Hi Pradeep,

You may contact me on: 9374131157

email id: [email protected]/yahoo.com

Thanx for response

Regards,

Kamlesh

Reply

140. CCAvenue 4 Less

August 3, 2010 at 4:48 pm

Nice and fruitful discussion going over here. If anybody interested in getting ‘ccavenue’ account 4 less

than displayed on their website. Just get in touch with us.

[email protected]

Reply

Ravi


Please contact me I am interested …If you offer reasonable fee…Because the business which I

am going to start………. has very less margin around 2% to 3%.

Reply

141. Dave


Hey guys,

Do anyone know whether there is any recurrence option in CCAvenue API so that I can charge my

customers on regular basis(monthly/yearly) automatically?

Thanks

Reply

142. Prashant


Hi Dave,



Hi Dave,

I am not sure about CC Avenues regarding this solution but yes Talent Beat (whizpay) can definitely

help you regarding this solution.

Reply

143. Ravi Mittal


Hi Pranav,

I was really happy to see a detailed comparison and discussion here on payment gateways.

I am myself looking for a payment gateway and had contacted indiapay and ccavenue. But they are not

willing to provide their services for ‘Social Networking Websites’ saying they fall under high-risk

category.

Could you throw some light into what this could mean? Ofcourse, my website will be clean and niche.

Please comment.

Regards,

Ravi Mittal

Reply

144. Kasi Viswanath Reddy

August 13, 2010 at 2:42 am

which is better EBS Or CCAvenue ,

Reply

145. Navraj

August 13, 2010 at 7:46 am

Hi Kasi

After all the discussions, I feel that CC-Avenue has some issues and EBS seems to be a better bet.

Reply

146. Sachin

August 16, 2010 at 4:15 am

Hello All,

I have developed one e-comm website where prices are in Indian currency and for this I wanted to

merchant account where user can user credit card and debit ard as well. I preferably looking for

paypal solutin.

My question is can paypal support for indian ruppees without converting them into USD?

or please give me best solution for payment gateway where currency is ruppees only.



Thanks in advance,

Sachin

Reply

147. Paresh

August 19, 2010 at 1:35 am

can any one sugesst me the best gateway available i am getting confused by reading the Comments.

Reply



Hi Paresh,

I should say to you, Please visit


Your confusion will clear… Sure…….

Regards,

Vikrant

09891692294

Reply

148. Ravi Mittal

August 20, 2010 at 7:51 am

I would like to clear a few doubts people are having with the experience I have had till now for getting

a payment gateway.

1. CCAvenue sucks because they are too snobbish to take your request. They have about 4000

customers and unless you are very potential to them, they will discard you saying your services are

illegal.

2. Times of Money and ABCpayments have the same issues.

3. EBS was quite responsive. They understood my requirement.

4. Talent Beat were the 1st one to contact me. I would have loved working with them but they do not

have net banking options and a very few debit card linking.

All in all, there is a big time monopoly of CCAvenue, EBS and TimesofMoney. They will take your

request at their own interest. They all are doing excellent business (one of the players in my city is

adding 30-40 portals every month!).

Its high time anyone in this forum thought of starting a payment gateway service. It could be quite

profitable!



Reply

149. Anuj Agrawal

August 21, 2010 at 6:26 pm

Hi,

This page is very informative. I’ve a big problem. I provide online technical support services to

USA/UK by the name of http://www.pccare247.com. I tried using paypal for taking payments, but

they’ve blocked our account and cancelled it and held the payment for 180 days. I tried EBS, they

accepted payments for some time and then freezed the account and help our amount for 180 days.

What can be a reliable permanent solution for me? Someone suggested opening a US company and

opening a bank account with a US bank and getting their gateway is the solution for everything. Can

somebody explain what should I do?

Reply

Rahul Pandey


Don’t blame the gateways because what you are doing is illegal and falls under cyber crime

(remote access in illegal in many countries, plus you breach their privacy policy which is clearly

stated in their TOS). this will continue to happen with all the gateways when they will come to

know about you business.

Reply

150. Tariq Mumtaz

August 30, 2010 at 10:31 am

Hi,

Thanks for the information. Our company is also looking for e-commerce solution. We had emailed all

the players and now waiting for response!!

Reply

Pradeep Awate


Hi Mr. Tariq

We will provide with the solution you are looking for

mail us at [email protected] or you can reach us on 9561133222

Reply

151. Praveen Kumar

August 31, 2010 at 12:33 pm

Having high regards to this Topic which is opening up knowledge sharing to avoid pitpalls of PG…



We are looking for adding a payment gateway system on our website, we are into Niche business

similiar to 99acres.com in terms of revenue generation, we have user mostly from outside India in ratio

of 60% foreigners and 40% Indians. Volumes are in start up range not big. Which payment gateway is

most reliable, efficient, economical and easy to use.

My initial Plan is plan was with CCavenue primary becos of More bank tie-up ignoring the fact of high

TDR but they have this limitation with their 2 gateway which willn’t overlap to ful fill my requirement…I

wanted INR charged for indian users and for Dollar transcation for Outside India User though I have

designed website to show product values in their local currency , but transcation in PG for all Non-

Indian users will be dollars irrespective of their local currency….which means INR & DOLLARS are

only two currency used….They suggested me to have 2 a/c from each gateway

In the same thread , I see someone using 2 gateway…I’m not sure wheather this is opt solution…

Provide me your suggestion.

We shall be happy to install a payment gateway system on out site, if the pricing offered is competative

and right immediately within a couple of days time.

Thanks and please reply at [email protected]

Reply

152. binu


dear friends

i want to implement a payment gate way in my new website related to insuracne.

which gateway is usefull and economicaly good for my website.

binu

Reply

anant


Binu,

We can provide you the payment gateway/Net Banking @ lowet TDR in market.

For more details, get in touch with me on 09925250025

Reply

153. Anu Surendran


Hi All,

I am planning to start a website and have read all the posts above. Now I am utterly confused on what



I am planning to start a website and have read all the posts above. Now I am utterly confused on what

to do. I will tell you my requirements.

1. I will have Indian as well as International customers. To make things clear; anyone logins from india,

will be directed to the INR Page and any from the rest of the world to Dollar page.

(CC Avenue has different login for INR and Dollar transaction; So I am confused whether I should

setup different accounts I don’t know!!!).

2. I need a gateway which will charge me less, because large amount transaction is going to happen.

3. Easy processing (Should not take much time)

4. Transparent..(No hidden things)

Any one of you can contact me with all the details including setup,amc, charges for transaction etc.

Contact me personally if you can..

email:[email protected]

Reply

anant


Hi Surendran,

Payment settlement needed in INR or Dollar.

Reply

154. Anu Surendran


Settlement can be done on INR. I mean, both indian customers and international customers should be

able to make payment through one gateway.

Reply

anant


Yes, It can be done…. We can provide the payment gateway solution.

I have send the detail presentation on your email [email protected]

Pls. go throgh the same.

Reply

sanjay


I want to implement gateway account on my website please send proposal with complete



expenses.

Reply

155. Venkat


Hi all,

We want to use online payment gateway to receive the application fees from candidates. Which one is

good to use in this requirements.

Regards,

Venkat

[email protected]

Reply

156. Guest House in Gurgaon


I am also on same que payment amount is low but no. daily transaction is high earlier using paypal but

now want to shift can anyone suggest which is good apart from ccavenue

Reply

anant


Hi,

We can offer you the payment gateway.

pls. give me you email id for proposal or mail me on

[email protected]

or call me on 09925250025.

Regards,

Anant Bhavsar

Reply

157. Zahid Bajwa


Payment Gateway Comparative Analysis.

http://www.ccavenue.com/content/comparative.jsp

Reply



Arshdeep


Thanks Zahid.

It does help that is all that I was looking for.. a fat based comparison of the payment gateways..

Reply

158. Navneet


This is the most informative thread i have ever seen.

I wish to share my experience and concerns regarding providers of PG.

1. Banks seem not interested at all. After a long chase No reply came from ICICI.

2. Then somebody told me about One97. Abhishek visited and convinced me about their services.

Charges were too high 7%. But no other options seemed working. Over that they wanted ICICI

people to visit my office( Visit was made- All systems were shown. They were impressed- Running

business for 5 years, All documented business and No scope of any fraud. But still bank would require

me to have an FD. Quite confusing.

3 Nothing happened after that. Now it is nearly a year. Never received a call from one 97 despite

giving them Rs 10,000 by cheque as advance for setup. No contact by themever during this period .

4 I still need the services of a good PG but my experience has shaken my interest.

5 Meanwhile , i kept on motivating customers to deposit money directly into my roaming account. The

sales grew 10 times during this period – but i lost a growth of 25 times because of ICICI and one 97

together.

6 My word of advise, They would love to have you on their client list if you are a tata or reliance

company but shall be least supportive if you are a startup.

7 I would love to hear from One97 or ICICI on my mobile 91-9718215656

Best wishes to all startup companies,

Navneet

Reply

ICICI Bank Care


Hi Navneet,

We are sorry for the inconvenience caused. Please write to us with your contact details at

[email protected] and we will get in touch with you at the earliest to address your concern.

Kindly refer “718789” in the subject line.

Regards,



Regards,

ICICI Bank Customer Service Team.

Reply

159. Tattoo Shop in Bangalore


USJewellery and Tattoo is a most unique studio, catering exclusively to your custom tattooing needs in

Bangalore. US Tattoo firmly believes that with an open mind and a vivid imagination, it is possible to

turn the tattoo of your dreams into a reality.

Reply

160. Amit Kalkhandey


Hi there,

We are a call center in New Delhi and we need to charge our customers in UK as we dial in UK, so

can you let me know about the same.

I need a service where i can login and charge my customer’s debit and credit cards against our

services.

do let me know ASAP.

[email protected]

Reply

anant


Hi Amit,

Can you tell me what king of product and services you are providing to UK customers.

You can send me the details on [email protected] or you can also get in touch with

me on 09925250025.

We are providing different kind of payment solution over Internet, IVR and Mobile.

I need to have proper understanding about your business process. So that I can provide the

perfect soluiton which will full fill your requirement.

Reply

161. Chetan


I am a Startup company. looking for gateway I want all the major credits cards.



looking at the current requirement i did the inquiry with all the players.

CC Avenues Charges x% for transaction through Amex, Diners, JCB, where as it charges y% for

transactions through master and visa. which is quite Expensive.

Can you guys tell me what is the volume of transaction through American Express, Diners, & JCB so

that i can make decision?????

I Don’t think that transaction volume through these International cards is more than 5%.

what you Guys Think????

Please share your Experience

Thanks in Advance for all your valuable Comments.

Reply

162. Chetan


please visit the following URl to know the frauds of PAYPAL are they true

http://www.techtree.com/India/News/PayPal_Payments_To_From_India_Blocked/551-109181-

643.html

Reply

163. Chetan


Please visit the following url About the Paypal frauds are they true any suggestios


643.html

Reply

164. Chetan



643.html

Reply

165. R. Arora


Hi All,

This is great imformative page. I am going to launch a listing based website (sole propreitor) next

month where customers from across the globe including India will make payments for listing /

advetsitment. Interested suitable PG to pls. contact me at my below e-mail ID with details. Ours is a



advetsitment. Interested suitable PG to pls. contact me at my below e-mail ID with details. Ours is a

global look site where customer ideally should know the site owner belongs to which country, as it has

no relevance and same for all users across the globe. I did some research on PG. Some of my

questions here as follows:

1. CC Avenues offers option of INR and USD accounts. The problem is that in case if I select INR

account of CC Avenues, as I could read on CC Avenue website that the customer will come to know

that the dollar payment is getting converted to INR which is not in line to our requirement of

maintaining a global feel of the site.

2. If I select USD account of CC avenues, it meets our global feel requirement but it does not provide

facility for Indian customers to pay by debit card and NEFT thereby chances of losing many

customers. Correct me if I am wrong.

I would prefer to have a PG which in addition to all statutory requirements fulfils our following needs:

a) The customer should not come to know during that transaction that money is getting converted to

INR so that the global feel of the website remains.

b) The Indian customers should be able to pay through options of credit card, debit card and NEFT

(same like Indian railways site)

Can someone suggest a PG who can provide one account to meet all these needs of ours or otherwise

may be we will have to take both accounts of INR and USD of ccavenues.

I cannot go for fixed deposit with any banks and cannot wait for any PG’s condition to launch the site

first and payment integration later after few days. Payment integration with the website must be befoe

the launch of the website.

Also, does CC Avenues or any other PG offer to have only one time setup cost for me irresepective of

any no. of website I launch.

Looking forward to early reply.

Regards,

R. Arora

[email protected]

Reply

166. ABHINAV PAMNEJA


Hi,

If anyone of you require Payment Gateway ( on Web / on Mobile), please feel free to contact me at

9560446668 or mail me at [email protected]

We can get you the best service in your city.

Reply



167. William Smith


Payment Gateway is really a gift of technology, making the online transaction to be an ease to do. I too

have recently integrated payment gateway to my website. http://www.primeofficefurniture.com

Reply

168. sandeep


this thread has long stories, right from years. My straight Question is, whats is the cheapest and easiest

way for small scale web developers, ??

pls help me in my confusion, thanks in advance

Reply

169. hashem


Hi All,

I’m planning to post my website live in a month’s time (Start Up), looking for some PG. I’m from

southern part of India and my business will focus in India majorly. As of now, I have got the list of

major players in PG area from this website. I will be contacting them ASAP, but just in case if there is

any PG service provider who is interested please ping me and we can discuss further.

Thanks for all the people who have shared their valuable suggestions and experience; I will do the

same in few days.

Regards

Hashem

Reply

Anant


Hi Hashem,

Pls. provide me with your contact details for further discussion. OR you can contact me on

09925250025 and [email protected]

Regard

Anant

Reply

170. Amit Kr Gupta


We are the most trusted name in payment processing in the country, and are committed to providing



We are the most trusted name in payment processing in the country, and are committed to providing

you with a comprehensive payments processing platform that keeps pace with your business.

Tech Process Solutions Limited (TPSL), (formerly known as Bill Junction Payment Limited), was

setup in the year 2000 to provide Electronic Bill Presentment and Payment services in the Indian

market. Over the years the Company has gained tremendous experience in handling financial and non-

financial data as well as fund management. TPSL is one of the leading providers of transaction and

payment processing services across a spectrum of industries in India. Our services include processing

transactions [debit as well as credit side] for the telecom, insurance, mutual funds, credit card

companies, banks and NBFCs, Educational Institutes.

We provide a various payment services like ECS Processing ,NEFT/ NECS ,Cheque Processing

,Direct Debit and Credit Electronic Bill Presentment and Payment , Online Card Based Payments ,

Online Direct Debit Payments (Net banking), Data and Document Management and Software

Solutions.

Kindly contact if you require payment gateway or any for further clarification/s:

Amit Kr Gupta

0120-4026132

[email protected]

Reply

171. Niraj


I am looking forward to have a payment gateway to my website http://www.kotharijewelry.com to

process international credit and debit cards. Kindly guide me……

Reply

172. siddharth


Just visited EBS site… I don’t think they support state bank debit cards. In case your customers don’t

have an net banking (many don’t) account, it may prove to be a huge drawback…

Reply

173. bbc news america

October 20, 2010 at 10:10 am

Hello there….. I really enjoy reading your blog! If you keep making amazing posts like this I will come

back every day to keep reading.,,,,,,,,,,,,

Reply

174. Avnish Mishra


Hi,



Hi,

Here is me Avnish Mishra. I just want to confirm that is der any possibilities to get MOTO Payment

Gateway/Merchant Service. I have International Customers. Daily business Up to 5 Lac INR.

Drop an e-mail [email protected]

Reply

175. Vikas Sharma


Dear Team ,

I do not sure about one thing which all of you are saying that paypal does not transfer the amount to

Indian Bank Account .

I am using Paypal from last 3 years . What I have done :

1- I am using Magento .

2-In background I convert the price from US$ to INR . ( In website it will be show in India Rupees it

will reduce the currecy exchange rate also which is charges by Paypal .

For example : product Price is 1000 Rs. and today currency exchange rate is 45 Rs. so total amount is

22.22 US$ (-) 4% =21.3312 US$ will be charged to customer which will be equal to 1000 Rs. after

currency exchange .

3- Once I will get 21.33 US$ in my account , there is option for NEFT Transfer to Indian Bank

account . Normally I transfer to SBI account . And I get money with in 2-3 days .

This is best option to use because no annual maintinance , no setup fees .

Other options like CC avenue ,ICICI Payseal,HDFC are best but for large enterprise who has atleast

everymonth 2-3 Lac Rs./ of sale .

Thanks & Regards

Vikas

Reply

Suresh


Hi Vikas,

Just needed some info from you. In your case, I beleive that you are accepting only credit cards

and not any netbanking. Is that right? Am asking this as paypal supports only credit cards.

Also, one thing I want to ask out of the PG topic is about Magento. I am starting a new

ecommerce site and I plan to use magento. Can you tell me hw is it working for you and also if

you know any good Magento developers.

Really appreciate your reply on this. Thanks a lot in advance.

Reply

Anonymous




Hi Vikas,

I wonder how much the bank charges you on the NEFT transfer.

“Once I will get 21.33 US$ in my account , there is option for NEFT Transfer to Indian Bank

account . Normally I transfer to SBI account . And I get money with in 2-3 days”

Everytime I do such a transfer, bank invariably charges a commission (around 0.3%) or changes

the Currency Conversion Rate for this transfer service.

Secondly, how do you reconcile/track your exact margins given the different currency rates at

different stages of transaction (catalog browsed, order placed, order dispatched, payment

processed, funds released in USD, funds transfered via NEFT).

Appreciate a private response to my above email ID

Thanks

Vinodh

Reply

176. vishwanath singh


payment gateway startup cost and support feature

Reply

177. Jerish


I am in the process of starting up an online business where most of the cost per transaction is going to

be very less (Lets say less than Rs.50).

As such, I can’t afford to have any failed transaction on my site.

Can anybody suggest a PG with a good track record and low rate of charge for the transaction?

Is it still worth to use Paypal service for these kind of small amount?

Reply

Awate Pradeep

October 28, 2010 at 12:01 am

We are delighted to introduce whizPay for Indian merchants….

whizPay is a modular multipurpose, PCI-certified Gateway. With whizPay you can process

Master/Visa Credit, Debit Cards. whizPay is the only payment gateway in India to process Gift

and Loyalty Card Transactions. Along with this features you can execute different Campaigns

with us including but not limited to Email, SMS, Loyalty, Advertising and Marketing.

Below are some of our features:

• Affordable pricing to exploit E-commerce opportunities.



• Affordable pricing to exploit E-commerce opportunities.

• Easy 1-2-3 Step Integration.

• Works with any shopping cart.

• Highest level of security with PCI DSS and PA DSS Certified Platform.

• 24 Hour settlement of transactions.

We ensure that our clients are kept on top of their competition through our solutions and

integrations. More than delivering a Solution, we deliver the Idea of ruling the Business concept

through our solution.

Reply

Amit Kr Gupta


Dear Jerish

Kindly share your contact details or contact at below mentioned:

Mob. # +91-95827772220

[email protected]

Paypal is a good option if your target segment is foreign markets.

Reply



Hi Jerish

Please visit


In this…. All VISA & Master Cards are accepted it can Debit Or Credit Cards inssued by any

National Or International Bank.

Regards,

Vikrant

09891692294

Reply

178. Soan


The information regarding the payment gateway was very useful.

I went through all comments too.

I am not sure if Ccavenue presents a good opportunity for start ups as they charge 7% for an economy

plan.



I contacted ICICI and they have a criteria of minimum 1 Crore revenue for applying for their Payseal

gateway. This is really funny. They are not approachable for any start-Up anyway!

Reply

anant


Hi Soan,

We can offer you the payment gateway @ affordable price.

For more details , You can contact me on 09925250025 and [email protected]

Reply



Hi Soan,


Please visit


In this…. All VISA & Master Cards are accepted it can Debit Or Credit Cards inssued by any

National Or International Bank.

We will have a good Deal…Sure

Regards,

Vikrant

09891692294

Reply

179. sanjay


please send solution for implementing gateway account on my web [email protected]

Reply

180. Website Design Delhi


So guys whats the final outcome.

Which payment gateway should we use for accepting payments in India?



Reply



Final Out – USe your Brain……


Reply



Final Outcome – Use your Brain……


Reply

181. Coral Shiraishi


Greetings I recently finished reading through through your blog along with I’m very impressed. I

actually do have a couple inquiries for you personally however. Do you consider you’re thinking about

doing a follow-up posting about this? Will you be likely to keep bringing up-to-date as well?

Reply

182. Pradeep Kumar


A new payment gateway is being developed

http://zaakpay.com. They are not online yet. For any future startups this info might be useful.

Disclaimer: I’m not working for that PG, I’m looking for a good PG, came across them while

searching.

Reply

Amit Kr Gupta


Dear Pradeep

Kindly contact at below mentioned if you are looking forward for online payment solutions.

Regards

Amit Kr. Gupta

Mob. # +91-95827772220

LL (Direct) # 120-4026132

[email protected]



Reply

183. Sandeep Kumar


I am also looking for a payment gateway for my Project management software.

Still unable to decide which one to choose for Indian clients.

CCAVENUE is a choice but is there any other low cost payment gateway?

Thanks I will keep waiting

Reply

Amit Kr Gupta


Dear Sandeep

Kindly give us an opportunity to discuss with you regarding payment gateway services.

Regards

Amit Kr. Gupta

Mob. # +91-95827772220

LL (Direct) # 120-4026132

[email protected]

Reply

Raj


Dear Amit,

I believe that your mobile no is incorrect in your post, showing 11 digits.

Was trying to send you an SMS but could not, hence have sent you an email.

We have to finalize a Gateway within 24 hours and I hope we get to talk before that.

Would appreciate if you can give me a call on the number given in the email I sent you

anytime as soon as possible.

I have given up on using DIRECPAY ( I hope these guys are reading this) as had got a

mail from them week back about someone contacting us. A week gone, no call.

Today morning managed to get through to their Phone Support in Mumbai after calling

for hours, thought they are on unlimited holidays.. , the lady told I would have you

called in an hour…It is now 9 hours since then and no call, no email and no one picked

up the ringing phones since that time….

Perfect case study of how to spoil a brand, they have surely lost a customer and with our

long term plans, surely something they might regret over time..

Thanks,



Thanks,

Raj

Reply

Awate Pradeep


Dear Raj,

If you are looking for a payment gateway, then please get in touch with us.

Regards,

Pradeep Awate

[email protected]

0961133222

Reply

Anant


Dear Raj,

I can help you out…pls contact me for more details on 09925250025 OR drop a

mail on [email protected]

Regds,

Anant

Reply

Amit Kr Gupta


Dear Mr. Arora

I am grateful to you for showing interest in our services and giving us an

opportunity to discuss with you regarding online payment solution.

As discussed over telephone yesterday, i have mailed you our comprehensive

product note.

Thanx for the update regarding mobile number, i am mentioning the correct mobile

no. below

Looking forward for fruitful association with your esteemed organisation for mutual

benefits.

Regards

Amit Kr. Gupta

+91-9582777220

Reply



Reply



Hi Raj,


Please visit


In this…. all currency and All VISA & Master Cards are accepted it can Debit Or

Credit Cards inssued by any National Or International Bank.

Regards,

Vikrant

09891692294

Reply



Hi,


Please visit


In this….all currency and All VISA & Master Cards are accepted it can Debit Or Credit Cards


Regards,

Vikrant

09891692294

Reply

184. Goa


For International transactions PayPal is easy & fast way.

Reply

Vikrant

January 25, 2011 at 12:35 am



January 25, 2011 at 12:35 am

Hello,

I am Vikrant from Cyberastro Technology,


Please visit


In this….all currency and All VISA & Master Cards are accepted it can Debit Or Credit Cards


Regards,

Vikrant

09891692294

Reply

185. kather


I am looking for any National Payment Aggregator developed in India, using any of the gateway or

IBM payment Gateway. Could anyone help me?

Reply

Vikrant

January 25, 2011 at 12:42 am

Hi Kather,

I hope, below link will help you to understand about our payment gateway service for your

business.

Please visit


In this…. all currency and All VISA & Master Cards are accepted it can Debit Or Credit

Cards inssued by any National Or International Bank.

Regards,

Vikrant

09891692294

Reply

186. Avnish Mishra





Hello,

Here is Avnish Mishra. I just want to confirm that is der any possibilities to get MOTO Payment

Gateway/Merchant Service. I have International Customers. Daily business Up to 5 Lac INR, I am

really in need.

Drop an e-mail [email protected]

Reply

Vikrant

January 25, 2011 at 12:49 am

Hi Avnish,

I have sent you a mail regarding our payment gateway service.

Please visit & CHAT with me :-




Regards,

Vikrant

09891692294

Reply

187. website designing kerala cochin


I am also looking for a payment gateway for my Project management software.

Reply

Awate Pradeep


Hi,

Please drop an email to [email protected]

or call us on 09561133222

Reply

Vikrant

January 25, 2011 at 12:52 am



January 25, 2011 at 12:52 am

Hi Website designing kerala cochin Team,






Regards,

Vikrant

09891692294

Reply

188. Raj


I have an Australian company and currently accept payments only with Paypal on our website (works

perfectly outside India but Paypal declines all Debit / Credit cards from India!).

I would like to expand to India. Can any one please suggest me any Payment gateway service that

would support an Australian company ??? I want to avoid the hassle of registering as an Indian

company etc and just go straight to signing up for Payment Gtwy.

Please suggest me some good PG services.

Reply

189. Dhiren vyas


Is there any other options than EBS ?cause EBS’s Price is Quite higher for me …can someone suggest

good payment gateway for indian and international both transactions ?

Thanks in advance ..

Reply

Vikrant

January 25, 2011 at 12:55 am

Hi Dhiren,



We are accepting all currency and All VISA & Master Cards it can Debit Or Credit Cards



We are accepting all currency and All VISA & Master Cards it can Debit Or Credit Cards


Regards,

Vikrant

09891692294

Reply

190. ullas


Hii,

We are looking for payment gate way syatem with our annual charges.Ours is a small hotel and we are

looking for budget plan only.please contact us on [email protected]

regards

ullas babu

coconut creek kumarakom homestay and houseboat

Reply

191. amit


Is there any free payment gateway accepting credit card,debit card and net banking payments????

Reply

192. Ankit


I plan to sell paperback books with all copyrights on website , delivery by national or international

speed post parcel after receiving payment. I want no chargebacks as that would simply ruin my

business , my refund policy would be clearly stated on my website. One method is to accept payment

directly in hdfc account and dispatch parcel after confirming it by logging in to netbanking acc. Can I

accept wire transfers from customers abroad to hdfc account, are they subject to chargebacks ??

thx in advance

Reply

Amit Kr Gupta


Dear Ankit

Best wishes for your project ahead.

If you think wire transfer could fulfill your requirement then you could go ahead with same. But

in case of WT no one could place order online, he will just transfer the fund depending upon

telecommunication.



telecommunication.

In case you want someone to visit your web site and place order then in such scenario, i would

recommend you to take only take net banking facility wherein charge back option is quite less

and even if it happens then you could charge the same to the end user who has placed the order

as money would have been debited from end user’s a/c.

In this regard TechProcess Solutions could provide you net banking facility of 22 banks where

in any user having a/c in any of the bank could place the order online and make the payment.

For further details you could contact undersigned:

Amit Kr Gupta

+91-9582777220

[email protected]

Reply

Ankit


Thanks Amit for your reply , I checked the Tech Process website looks fine especially

the volume of transactions handled. But it doesnt mention how fast the merchant gets

paid.

Reply

Amit Kr Gupta


Dear Ankit

Thanks for showing interest in our services & giving an opportunity to discuss with

u regarding same.

TPSL does payment settlement on T+2 days basis wherein T refers transaction

date with real time confirmation through Admin module provided to Merchant.

For further information kindly drop me a mail, contact on the number or provide ur

contact details.

Looking forward for fruitful association with you for mutual benefits.

Regards

Amit

Reply

Ankit


After making some headway in my project , I’ll get back to you.

Thanks Amit

Vikash





amit, v interesting post.

We are planning to get into Indian market and I would be looking some more post from

you.

Most important thing for me is user friendly and unfilled transection.

Would love to hear from you

Thanks

Reply

Vikrant

January 25, 2011 at 12:59 am

Hi Ankit,






We are paying directly to your indian bank account every 14th day.

Regards,

Vikrant

09891692294

Reply

193. Ankit


I mean my own publishing house , owning copyrights.

Reply

194. Sachin


Hi,

I am launching a web-portal providing services in the education sector in India. The transaction size will

be small (Less than Rs. 50) and the business will be seasonal with operations only for 3 months in a

year. I am expecting the value of annual transactions to be less than 30 lacs for the first year.

Please suggest a PG for the same. I think EBS and CCAvenue hold some promise. However high

start-up costs and/or high TDR will be an issue.



Regards,

Sachin

Reply

195. Amit Kr Gupta


Dear Sachin

Kindly provide your contact details via telecon or e mail.

My details are mentioned below:

Regards

Amit Kr Gupta

+91-9582777220

[email protected]

Reply

196. Amit Kr Gupta


Hi All

Happy New Year to all of you whether prospect / customer / partners or competitors…..

Regards

Amit Kr Gupta

Reply

197. Chandra Sekar


Hi

Could one of you help understand the time involved in setting up a Payment Gateway, w.r.to the time

taken after submission of application, approval, integration etc from the service provider’s side?

Thanks

Reply

Amit Kr Gupta


Hi

@chandra: kindly contact at below mentioned with your complete contact details if you are

looking forward for online payment solutions or need info regarding same.

Regards



Regards

Amit Kr Gupta

+91-9582777220

[email protected]

Reply

Vikrant


Dear Chandra,

We are taking three working days with the co-ordination of your webmaster/ designer to

implement payment gateway with your website.

If you can share FTP Info of your website with us- we can integrate with in a day or two.

Can we have small discussion on the same.

You can contact me @ 09891692294

or mail me [email protected]

Reply

198. Dr. Urvi Chauhan


i have same query @ mr. Chandra sekar has, plus

i want to have a PG service on my web site for the online courses and books, and educational dvds

that gets published by us- what is the best option which has less TDR , cost effective – i see positive as

well as negative report upon ccavenue, besides from this blog i get to know abt Mr. Vikrant’s

cyberasthr.. ’s, but their transaction cost is 7% which is too high i feel, can you guide me pls

Reply

Vikrant


Dear Dr. Chauhan,

I am agree with you, But we are not charging any thing else NO EMI, NO SERVICE TAX,

NO CONVERSION CHARGES etc.

Even we don’t charge, if you are not receiving payment from the market- No target of the

payment. It is your wish and best option for you.

Can we have small discussion on the same.

You can contact me @ 09891692294

or mail me [email protected]

Thanks!



Thanks!

Reply

Rami AL-Araj


Dear Vikrant

Allow me please to introduce myself; this is Rami Al-Araj; the Regional Business

Development Manager in OneCard.

As I understand from the conversation that went on the net that your company is a

payment gateway for India and please be noted that we have interest in your market and

we are looking forward to invest in startups and major portals in order we can give them

expansion in MENA region .. please send me your thoughts and let us see how we can

move on.

We thank you for your time and look forward to hearing from you!

Kind regards,

Rami Mousa Al-Araj

Regional Business Development Manager

__________________________________

Reply

199. Rami AL-Araj


Dear All,

Allow me please to introduce myself; this is Rami Al-Araj; the Regional Business Development

Manager in OneCard.

Introducing our company; OneCard is the most comprehensive online payment solution in the MENA

region. It is also a tool that empowers users to shop online and buy Internet connectivity, fixed and

mobile communication services, airline tickets, stock market solutions, educational resources and much

more.

We are seeking the opportunity to start a solid business relationship with Indian startup’s and running

portals in different levels:

1- Integrating OneCard as a payment method to your business

2- Distributing your Games CD’s in the region

3- Doing Arabic Support to your clients

4- Arabization and localization

5- Online Exposure

By integrating OneCard as a payment method to your website, which is all FREE; allowing you to

reach new buyers in the MENA region who use OneCard as an online payment method, and listing



reach new buyers in the MENA region who use OneCard as an online payment method, and listing

you on OneCard Mall along with the most popular merchants from all over the world who have also

integrated OneCard previously.

We thank you for your time and look forward to hearing from you!

Kind regards,

Rami Mousa Al-Araj

Regional Business Development Manager

Please contact me at “” [email protected] “”

Reply

200. Dr. Urvi Chauhan


thank you to all who tried calling me up and introducing their respecive company

another day i got a call from Mr.Patil from whizpay.net-i am waiting for his mail- yet not received

kindly respond

Reply

Vikrant


Hello Dr. Chauhan,

Is it possible for you to contact me through below link or through my mobile number.

OR

If possible please share your contact details so that i can give you call.






Regards,

Vikrant

09891692294

Reply

201. Bala

January 13, 2011 at 11:25 pm



Very informative Blog. I am looking for a payment gateway for a small school and a mid size hospital.

My contact no is +9198202 98089

Warm regards,Bala

Reply

Vikrant


Dear Mr. Bala,

As per our discussion, I have sent you mail.






Regards,

Vikrant

09891692294

Reply

Saleesh


Vikrant,

It seems that you are charging 7.5% as fee for every transaction which is higher that

CCAVENUE . Could you please confirm it?

Reply

202. Rajendra


I would like to suggest IndiaPay Payment gateway. It’s little bit new in India and having good reviews.

Here is the link for this indiapay.com

Reply

Jai


India Pay is Fake company, better to go for HDFC Payment gateway



India Pay is Fake company, better to go for HDFC Payment gateway

Reply

Amit Kr Gupta


Dear Jai

we could offer HDFC bank gateway for cards processing with Net banking facility of 24

banks.

Regards

Amit Kr Gupta

+91-9582777220

Reply

203. Adi


Screw Vikrant

Reply

204. Kanna K


Dear All,

I been looking for online payment gateway for web hosting and domain registration website

http://www.netzdomain.com

Please advice me which online payment gateway suits for my website…

Thanks in advance

Kanna K

Reply

205. Varun Surana


Dear Friends,

I am setting up a website for my client based in Mumbai

With more than 5000 products to be sold from an ecommerce website.

And we are looking for payment gateway services with no Intial Set up cost and with very very

nominal transaction cost.

Treat this as urgent.

One can contact me at 090000 73478

Contact Person – Varun Surana.

We take Projects in .Net, Php, Joomla and most of the advance technologies.



Reply

Amit Kr. Gupta


Dear Varun

There is no payment gateway apart from Paypal (or other such players) that could offer you the

online payment services without any initial cost. Whether you sold 5000 products or 1 Lacs

products there will be set up charges if you require all online payment solutions like Credit

Cards, Debit Cards, Net Banking and Cash Cards.

Regards

Amit Kr Gupta

+91-9582777220

Reply

206. Ruchit


Hi, excellent information about the payment gateway. As it becomes a necessity for all modern website

who makes online sale. I have gone through one such website which provides excellent payment

gateway solution. Please check it http://www.etoolciti.com/WebDevelopment/online-payment-

gateway-integration.html

Reply

207. Anuj Goyal


has anybody tried indiapay.com, Any feedback on this merchent account provider.

Reply

Amit Kr Gupta


Hi Anuj

Not heard of Indiapay evr even as in competition…

some body has commented regarding India pay above…

kindly give us a chance to discuss regarding online payment processing solutions.

Regards

Amit

9582777220

Reply

208. Anuj Goyal





What does “Multi Currency Acceptance” and”Multi Currency Settlement” means when we take a

merchent account.

Reply

Prashant Duble


Multi currency acceptance is the ability of a merchant to accept payments in more than one

currency. For instance a merchant can accept payments in INR and USD giving the customer a

choice to pay in the currency of their choice. This is typical for many web based services where

overseas users prefer to pay in USD. Even though a merchant can transact in different

currencies it usually settles with the bank in one currency.

Muti currency settlement is the ability of a merchant to transact and settle in multiple currencies.

This is very common with international airlines where banks offer airlines to transact in multiple

currencies and settle in at least five major currencies.

Multiple currency acceptance has implications on exchange rates and credit card companies and

banks generally take premium from it.

Dynamic Currency Conversion or DCC is another service that many merchants use to bypass

bank and credit card conversion fees. The fees are set by the service providers who speculate

the exchange rate at the time of the transaction. Very effective in travel and hospitality industry.

Reply

209. reverse phone usa


CCAvenue is the best Indian payment gateway ever.With all the recent problems with Paypal I would

recommend using CCAvenue.

Reply

210. Venkat


Mine is a start up company. I am looking for including prepaid mobile recharge services into our

system. We can only offer very small percentage of the amount as we can’t pass the amount to the

user. Please contact me if there is any PG which charges nominal percentage.

Reply

211. Amit Kr Gupta


Dear Venkat

Kindly pass on your contact details either thru mail or telecon, we do have some of the major mobile

recharge provider associated with us including Easy Mobile Recharge

& Recharge it Now.



& Recharge it Now.

Regards

Amit Kr Gupta

+91-9582777220

[email protected]

Reply

212. Prashant


Avhan Technologies is another firm specializing in IVR based payment gateway solutions. Some well

known brands use IVRs developed by them.

You can try contacting Vijay on 9870999850 for any requirement.

Reply

213. Saurabh


I plan to host 3-4 ecommerce portals.

Can I use single payment gateway on multiple websites?

Reply

Awate Pradeep


Dear Saurabh,

Yes, it is possible to have one payment gateway for all the three websites. Please mail us at

[email protected] to know more, or call us on 09561133222

Reply

214. Paresh Shah


Dear All, before going through this blog I had already decided to go ahead with CCAvenue…..but

now I see quite many options. I need your suggestions and details quotes from PG providers on my

email.

We are coming with e-commerce site and expect huge no. transactions on a daily basis, hence TDR

has to be as low as possible, we are also looking for an additional service of Mass Payment, apart

from receiving payments.

email– [email protected]

thanks, Paresh



Reply

Amit Kr Gupta


Dear Paresh

Kindly share your web site details with company details:

set up year

entity type

This will help me in designing exclusive pricing structure for you.

Regards

Amit

Reply

215. Ashish Thakur


Never go for EBS,

The worst service i ever had.They just disable card solution just for technical maintenance.The EBS

person send us mail that it will be done in 5-7 days maximum and even after 14 days there is NO

result.

Very bad customer service.

Reply

216. Paresh Shah


@Ashish — thanks a lot for your timely advice as EBS was one of our shortlisted option.

@Amit — Our site is under development and expect to go live in a months time.

My company name is HS Trims, in Mumbai, but we are simultaneously in the process of forming a new

closely held company for this e-commerce project. Please be noted Mass payment or rather Individual

payment from us to the user is a critical requirement, I find Paypal has this feature.

We are also in consultation with few more PG options, please be quick with best quote.

You’ll can also call me on 9323735328 for more details.

thanks & regards,

Paresh Shah

Reply

217. Satish

March 1, 2011 at 2:52 pm

Hi All,

I had recently signed up with EBS and also their recommeded E commerce shopping cart hosting, the

performance has been dismal, pathetic until now, all my efforts, investment is going down the drain as



performance has been dismal, pathetic until now, all my efforts, investment is going down the drain as

they lied about their product and its performance, a lot of payments are failing, customers are having

major difficulties in sign up and order the products on the site, inconsistency between EBS and the

shopping cart software in terms or orders and payments, Horrible customer support and no one seem

to take responsibility and accountability, I think all payment gateways in India have bad service, more

of transaction failures, lack of knowledge about the process etc I would recommend not to sign up

with EBS…

Reply

218. Glocal Startups

March 3, 2011 at 8:40 am

2checkout is good one for starting out

Reply

219. convert youtube to mp3

March 3, 2011 at 12:32 pm

Hey, Great blog, I cannot wait to stumble it. I lost my bookmarks and couldn’t wait to find it again.

Had to look through my web history…forever’ish. I was so excited I couldn’t wait to let you know.

Reply

220. Paresh Shah

March 4, 2011 at 6:17 am

Dear all…

so lets list down the best Payment Gateway you would suggest to a friend….considering customer

experience, technical support/after sales support, pricing to name a few…..

Reply

221. manish

March 5, 2011 at 3:50 pm

what are the charges of HDFC PG.

Like setup and TDR

Reply

Amit Kr Gupta

March 6, 2011 at 4:24 am

Dear Manish

Kindly contact at below mentioned or provide your contact details as we do offer Gateway of

HDFC as well.

Regards

Amit Kr Gupta



Amit Kr Gupta

+91-9582777220

[email protected]

Reply

Amit Kr Gupta

April 9, 2011 at 9:46 am

hi

Reply

222. rajeev

March 13, 2011 at 6:42 am

Well guys after so much of discussions , which payment gateway will u suggest for a startup.

Reply

223. Payment Gateway Integration

March 21, 2011 at 9:37 am

If you need any help in payment gateway integration then we would be glad to assist you for the same.

Get in touch with us.

Thanks

Reply

224. Vilas

March 22, 2011 at 2:10 am

Hi,

I am looking for entry level payment gateway for my site. Basically I want gateway TDR approximately

5% and no AMC Charges.

So if anyone have it let me know.

Thanks

Vilas

9762214481

Reply

Sandesh

May 12, 2011 at 3:05 am

I want to take this opportunity to introduce myself. I am Sandesh Sonar – from “IndiaPay” . We

are leading payment Processing company in India. We have launched an electronic payment

distribution network partnering with leading Indian and global banks and introducing innovative

payment processing services in South Asia. We have a significant experience in processing very



payment processing services in South Asia. We have a significant experience in processing very

large volume of concurrent payment transactions and work with 20+ authorization networks as

well as 40+ banks/ODFI across the world.

As part of our consulting portfolio, we help various Fortune 1000 clients to consolidate and

manage the Credit/Debit cards, ACH Clearinghouse (ECS/RTGS/NEFT) and Cheque

Truncation transactions in distributed environment. We offer Virtual Point Of Sale, Auth-

Capture-Delayed Settlement, Bill Payment, Batch processing for different verticals in India

working with leading Indian banks. This is a new service of it’s kind which would allow any

internet or brick-mortar company to move payment transactions more efficiently without doing

any significant capital investment. We are already working with some major corporations in

India

you Can contact me for the payment gateway Details :- 9158887705

Reply

225. Pankaj

March 23, 2011 at 2:19 am

Do anybody know what are the requirements one need to fulfill in India to become a payment

gateway? Does it require you to tie up with Banks ? Also does it need some security amount as

deposit?

I am planning to develop one

Reply

226. Surajit

March 26, 2011 at 2:18 pm

After reading all the posts,seems like Paypal is best (as it has no initial cost) for foreign payments made

in foreign currencies,and may be CCAvenues for payments made in India in Indian rupees.

Now the question is Can I have both the payment gateways in my eCommerce site – Paypal and

CCAvenues both options present??

Any expert advice..

Reply

Amit Kr Gupta

March 28, 2011 at 12:49 am

Dear Surajit

I am not an expert but yes you could use multiple PG simultaneously.

I would request you to also consider TechProcess PG as in option as we do have good

association both in terms of Merchants & in terms of Banks for payment processing.

For further clarifications you could contact me at undersigned.

Regards

Amit Kr Gupta



Amit Kr Gupta

+91-9582777220

[email protected]

Reply

227. Senthil

March 30, 2011 at 12:10 pm

Hi.,

We are a Apparel Online Start up Clifton.in and we use CC Avenue, but we face lot of transaction

failures in fact we lost about 8 to 10 Orders because of that, moreover they don’t expressly / clearly

mention in their site that they accept ICICI BANK Debit Cards.

We are planning to go with a new Payment Gateway which would provide us with excellent service

and must accept all bank debit/credit cards.

Your advice and guidance would be highly appreciated.

Thanks in Advance

Reply

Amit Kr Gupta

April 1, 2011 at 1:46 pm

Dear Senthil

I am grateful to you for giving us an opportunity to discuss regarding Online Payment Solution. I

have given your contact detail (company detail) to my colleague in Bangalore. His name is

Rajashekhar and the contact no. is +91-8030585008. In case he is not been able to rach you

through company’s landline then you could either share your contact details or contact me / him.

Regards

Amit Kr Gupta

+91-9582777220

Reply

228. V Malkan

April 7, 2011 at 8:01 am

Hello,

I am coming up with a portal where i will need my visitors to pay. I need a payment gateway to

integrate to it.

I have gone through all the comments and have found different views for different PG providing

companies. Its very confusing and makes difficult to choose.

I require a PG which can -

*accept payment in INR

*accept payment in other currency but don’t convert it to INR

*No setup fees or low setup cost



*No setup fees or low setup cost

*Lowest TDR

I have seen many PG company rep. leaving comments.

I request them to send in package details to – [email protected] or connect me @ 99690

34171.

I am in Mumbai.

Looking for some fruitful responses.

Reply

229. Ranbir

April 8, 2011 at 12:15 am

Hi Friends

I Am Looking To Start A Shopping Website And Need Help In Choosing PAyment Gateway..

Will CCavenue Be Fine ? What Documents Are Needed?

Mail Me At [email protected]

Reply

230. services seo

April 8, 2011 at 4:05 am

I feel CC avenue is currently the best option for online payment facility… what you say?

Reply

231. V Malkan

April 8, 2011 at 4:38 am

Hello friends,

In search for a reliable and affordable Payment Gateway partner, I have received reply from a

company called – atom technologies ltd.

visit – http://www.atomtech.in

*The good thing about their process is that as a merchant i have to only buy one payment gateway

provider.

*This company has partnered with most of the Indian banks.

*I don’t have to tie up with individual bank for providing their APIs.

I have just received a PPT from them. Haven’t received any TDR info. Once will get update soon.

Meanwhile people looking for info visit site and contact – Anant Bhavsar – 9930268393.

Regards,

V Malkan

Reply



Reply

232. Rahul

April 8, 2011 at 4:43 am

I am building a website in Drupal 7. I am planning to use ccavenue. Wanted to know how do i use

their shopping cart and will the integration be smooth? I am not planning to use any other shopping cart

like ubercart etc.

Reply

233. V Malkan

April 8, 2011 at 7:48 am

Hello friends,

This is in continuation with the above mentioned comments — Reply from PG – Atom technologies

1) Paperwork – What is the paperwork required to setup the account? – Agreements and KYC

documents ( Entity proof, Pan Card, Address Proof, Bank statement)

2) Setup Fee – What is the one time setup fee, and what are the annual maintenance charges? – 25K

Setup Fees, 5K AMC

3) TDR Rate – What is the TDR Rates for credit cards/debit cards and net banking transactions. if

different pls. specify separately. Also if any charges for American Express (or any other card/bank).

Kindly provide clear details.- 2.5% per txn ( Master/Visa Credit Card/ Debit Card & Net Banking )

4) Site Integration – Which language is used and is support available in case you need it? What is the

process for site integration ? – Our Development team will share API document and guide you for the

integration )

5) Transaction failure – Any charges for such failure ? If any, what are they. Also how this is being

taken care ? -There is no any transaction failure charges

6) Cancellation – how cancellation of transaction works. Will fee be charged if transaction is

cancelled? whether credit card / debit card / net-banking. kindly provide clear details. – No any extras

charges for cancellation..only per txn 2.5%.

7) Chargebacks – what the policy is on chargebacks. hold period for chargeback. ?? – There is no

hold of the payment. You need to provide us the details whatever we ask related to transaction.

Details would be sent to Acquiring Bank. Once dispute resolution comes from Master/Visa

accordingly will adjust the charge back amount from the next selttelement if disputes resloution comes

to customer favour.

Fraud alert — how fraud alerts are handled by the gateway, as too much documentation

requirement may drive off customers – Currently no farud alerts avialable.

9) Payments – how and when payout is done, what is the payment cycle to merchant, via NEFT or

cheque. Is there anyt fee for each NEFT or courier charges for the check -Payment would be settled

to your desired account in T ( Transaction Date )+2 Days (working)

10) Customer Service – Do company have an active customer service department? Do company have



10) Customer Service – Do company have an active customer service department? Do company have

a toll free number for customer service? How long is the wait time? – Customer support available till

8.00 am to 11.00 pm

11) Any other types of Charges, whether one time or regular ? Pls. mention them all. – No any other

charges

I hope it is useful.

Regards,

Mr V Malkan

Reply

234. Sapna Shahani

April 18, 2011 at 2:43 am

Good info… I wonder if you can also advise NGOs about which is the best service to accept

donations/ membership fees online. We are a start-up – a registered trust – but don’t have income tax

exemption yet (80g) although we have applied for registration with income tax (12a). However, I think

people may want to donate to us and use our services despite not getting a tax exemption. But we

would like easy processing, initial fees only preferably and easy tracking. Which service would you

recommend for us?

Reply

Amit Kr Gupta

April 29, 2011 at 4:16 am

Hi Sapna

I have gone thru your website but dont find any contact details like where are you located/

landline no. and apart from all this, providing credit / debit card processing option to NGO is

very risky as no body could trace that where the donated money gonna be use and charge back

are higher. Most of the 3rd party aggregator feel safe to provide Net Banking facility only. I

would request to you kindly contact me at below details

Regards

Amit Kr Gupta

+91-9582777220

Reply

235. Jitender

April 27, 2011 at 12:54 pm

@Amit Kr Gupta,

Few queries:-

1. Is ther any option like Net Banking Only at TPIP. If yes then wht is the process and fee?

2. Can we integrate a single account with two-three websites?

3.Any custom plan for start-ups at TPIP?



3.Any custom plan for start-ups at TPIP?

My Email:- [email protected]

@Vikrant: —>STOP SPAM . This will ruin not so good image of of your sompany/service.

Rgds/

Reply

Amit Kr Gupta

April 29, 2011 at 4:09 am

Dear Jitender

I am grateful to you for showing interest in our services and giving me an opportunity to discuss

further regarding same. I will be sending a mail to you regarding your queries. As far as

commercials are concerned i would request you to kindly share your contact no. / contact me

@ +91-9582777220.

Regards

Amit Kr Gupta

+91-9582777220

Reply

236. Anand

April 30, 2011 at 9:11 am

We are using CCAvenue & EBS Payment gateway services on our website. We are in web hosting

market in India. and both payment gateways are good in service.

Reply

Amit

May 3, 2011 at 2:17 am

Dear Anand

I do agree that the names you have mentioned are good & well established as far as this

particular industry is concerned. But i think you must agree that one of these charges quite higher

transaction charges & other has less payment option (Net Banking) and has mixed opinion

across Merchants. I would request you to kindly give us an opportunity to discuss further in this

regard.

Regards

Amit Gupta

Atom Technologies

+91-7838366603

[email protected]

Reply

237. Vick

May 4, 2011 at 11:31 am



May 4, 2011 at 11:31 am

Hi…

great to chance upon this blog, very useful info.

looking for the right recommended PG provider, our ecommerce solution is based on Joomla CMS +

Virtuemart.

Transaction amount per unit is very high (>INR 10,000) so need 100% uptime, no denial of service

and no fees on chargebacks. Any recommendations?

Also, any idea what PG does Flipkart.com now use? How about LetsBuy.com? How about

SoSasta.com and Snapdeal.com? these four are pretty well-known web entities so whichever PG they

use could be considered reliable, in my book!

Thanks in advance, Vick

Reply

Sandesh

May 12, 2011 at 2:42 am

I want to take this opportunity to introduce myself. I am Sandesh Sonar -

from “IndiaPay” . We are leading payment Processing company in India. We

have launched an electronic payment distribution network partnering with

leading Indian and global banks and introducing innovative payment

processing services in South Asia. We have a significant experience in

processing very large volume of concurrent payment transactions and work

with 20+ authorization networks as well as 40+ banks/ODFI across the world.

As part of our consulting portfolio, we help various Fortune 1000 clients to

consolidate and manage the Credit/Debit cards, ACH Clearinghouse

(ECS/RTGS/NEFT) and Cheque Truncation transactions in distributed

environment. We offer Virtual Point Of Sale, Auth-Capture-Delayed

Settlement, Bill Payment, Batch processing for different verticals in India

working with leading Indian banks. This is a new service of it’s kind which

would allow any internet or brick-mortar company to move payment

transactions more efficiently without doing any significant capital

investment. We are already working with some major corporations in India.

Reply

238. Lala

May 16, 2011 at 8:46 am

Degr Mr,

Am looking five point for this question. It suppose to have five references in APA form . I hope you

are going to help me on my email.

Critically asses the advantages and limitation of planned selttlements.

Reply



Connect with your Facebook Account

Reply

239. Sandip Janee

May 17, 2011 at 1:12 am

Hi friends…

This is a really helpful post. We are starting up a new website & i would like to know which is the best

option as a payment gateway.

The person who is developing our website suggests CCavenue. But its a little expensive. Our products

are not very expensive starting from 200 to 800 rupees. We need a cost effective & quick solution.

Any comments will be more than useful.

Thanks

Reply

240. Amit Kr Gupta

May 17, 2011 at 9:03 am

Dear Sandip

I would request you to kindly contact at undersigned.

Regards

Amit Gupta

+91-7838366603

Reply

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