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Best Digital Gold Platforms in India: Top Apps to Buy and Invest in Gold Securely in 2025

India is the largest importer of Gold in the world. Gold is not only a material of great value that is closely tied to Indian culture and tradition, but it has also been a time-tested investment option, which is very common among Indian households. With the emergence of the internet and the digitalization of the day, gold and the investment in gold in India also took the digital route.

Yes, it is digital gold now in place of the physical gold that is growing in popularity. Furthermore, numerous gold investment companies and online platforms for purchasing gold are fueling the growing demand for digital gold, or e-gold, enabling investors to buy gold quickly, securely, and easily.

The Digital Gold can be bought online and will be stored in safe vaults until sold. Currently, three entities in India provide Digital Gold. You can use certain platforms to make digital gold purchases online, but these three companies would have to be associated with those platforms.

India’s digital gold market is growing fast and could become a $100 billion opportunity by 2025. This growth is happening because more people are using fintech apps, and young investors are now more aware that gold is a smart way to invest.

The three companies in India are Augmont Goldtech Pvt. Ltd., MMTC-PAMP India Pvt. Ltd., and Digital Gold India Pvt. Ltd., which is sold under the brand Safe Gold. These companies purchase the gold and store it safely in vaults on behalf of the platforms.

Advantages of E-Gold

Gold rates on the NSE are based on Indian market rates.
Investors can buy and sell gold in small denominations. E.g., 1gm, 2gm of gold.
Transparency in pricing and seamless trading are one of the major advantages of this product.
This product is high in liquidity. One can sell it at any point in time. No impurity risks.

Here is the list of gold trading apps that bring in fantastic gold investment options, or buying digital gold, which one can opt to invest in E-gold in India.

List of Best Platforms to Buy Digital Gold in India in 2025

#	Brand Name	App Type / Category	Platform Availability	Main Use	Why Users Like It
1	Paytm	UPI & Wallet App	Android, iOS, Web	UPI payments, recharges, shopping	All-in-one app with fast payments and cashback
2	PhonePe	UPI Payment App	Android, iOS	UPI and bill payments	Simple interface and quick transactions
3	Google Pay	UPI Payment App	Android, iOS	UPI payments	Backed by Google, easy to use
4	Groww	Investment App	Android, iOS, Web	Stocks & mutual fund investment	Beginner-friendly with low fees
5	Jar	Gold Saving App	Android, iOS	Gold savings via spare change	Auto-saves small amounts daily into digital gold
6	Airtel Payments Bank	Digital Bank & Wallet	Android, iOS, Web	Digital banking & payments	Works well with Airtel ecosystem
7	Amazon Pay	UPI & Wallet App	Android, iOS, Web	Payments and shopping rewards	Smooth for Amazon users, cashback offers
8	HDFC Securities	Stock Trading Platform	Android, iOS, Web	Stock trading	Trusted banking brand with full trading tools
9	Motilal Oswal	Investment Platform	Android, iOS, Web	Investments & research	Strong advisory and research support
10	FinPlay	Learning & Budgeting App	Android, iOS	Financial learning app for teens	Makes money learning fun and interactive
11	Zerodha	Stock Trading Platform	Web, Android (via Kite)	Discount stock brokerage	Low brokerage fees and easy interface
12	Tanishq	Jewellery Shopping App	Android, iOS, Web	Gold and jewellery shopping	Trusted brand with high-quality jewellery
13	Spare8	Micro-Investment App	Android, iOS	Save and invest spare change	Helps build habits through micro-investments
14	DigiGold	Digital Gold Platform	Android, iOS, Web	Buy & sell digital gold	Instant gold buying with real-time prices
15	Jupiter Money	Neobank	Android, iOS	Smart digital banking	Money tracking and spending insights
16	MMTC-PAMP	Gold Investment Platform	Android, iOS, Web	Digital gold and bullion buying	Government-authorized and safe
17	Gullak	Gold Saving App	Android, iOS	Auto-save & invest in gold	Daily auto-savings into gold
18	Pluto Money	Finance EdTech App	Android, iOS	Financial education for Gen Z	Gamified learning for young users
19	Plus Gold	Gold Investment App	Android, iOS	Gold saving and investment	Goal-based savings in gold
20	Dvara SmartGold	Gold Saving Platform	Android (mostly)	Rural-focused gold savings	Easy gold savings for underserved communities
21	Fiydaa	Budgeting App	Android, iOS	Budgeting & money management	Helps users plan, track, and save smarter
22	eBullion	Gold Investment Platform	Android, iOS, Web	Buy, sell & manage gold 24/7	Offers full control, price alerts, and deep insights

How to Invest in E-Gold?

Open a Demat Account

To purchase commodities in NSE, you must have a Demat account. One can keep a separate Demat account for equities and commodities or keep the same one. To open an account, one can submit all the required documentation to NSE.

Trading

Once your account is opened, you can log in and buy e-gold. You can trade from 10 a.m. to 11:30 p.m. on weekdays. Your gold units will get credited to your Demat account in T+2 days (date plus one days).

Physical Delivery

If you want, you can physically deliver gold at any time by redeeming e-gold units in your Demat account.

The graph shows the gold price movement in India per 10 grams from 2015 to 2025. The price of gold has been increasing over the past few years, and it is likely to continue to increase in the future.

The gold price started at around INR 26,345 per 10 grams in 2015 and reached INR 58,270 per 10 grams in 2023, an increase of over 100%, and INR 98,303 in July 2025. The main reasons for the increase in gold price are inflation, geopolitical uncertainty, and rising demand from India.

List of Digital Gold Investment Platforms

Paytm

Name	Paytm
Founded	2010
Minimum Investment	INR 1
Partnered with	MMTC-PAMP

Paytm is an e-commerce payment system and a fintech company in India. It was founded in the year 2010 and has its headquarters located in Uttar Pradesh, India. Paytm provides an opportunity for Indians to invest or purchase 99.99% pure Gold for as low as INR 1.

The user can purchase gold through the Paytm app by choosing the stocks and wealth icon and then selecting the Paytm Gold icon, which lets you invest in Gold in terms of rupees or quantity. It is one of the most trustworthy and best gold investment app in India.

PhonePe

Name	PhonePe
Founded	2015
Minimum Investment	INR 1
Partnered with	MMTC-PAMP

PhonePe is an Indian financial service and a digital payment platform. It was founded in the year 2015 and has its headquarters in Bangalore, India. The company is a subsidiary of Flipkart. Even PhonePe allows its users to invest or purchase 99.99% pure Gold for as low as INR 1. It is one of the best platform for the best digital gold investment in India.

PhonePe platform provides the promise of transparent pricing and assured quality, and is one of the best ways to buy gold online. In PhonePe, the users will have to log into their account and choose the Gold option available in the My Money section. With PhonePe, the users can invest in Gold in terms of rupees or quantity.

Google Pay

Name	Google Pay
Founded	2011
Minimum Investment	INR 1
Partnered with	MMTC-PAMP

Google Pay is also a digital payment platform, which is powered by Google. It was launched in the year 2015. Google Pay also lets users invest or purchase 99.99% pure Gold for as low as INR 1.

The users can purchase the gold by using the Google Pay platform, which works similarly to the digital gold purchased through PhonePe and Paytm.

Groww

Name	Groww
Founded	2016
Minimum Investment	INR 10
Partnered with	Augmont Gold

Groww is an Indian-based online investment platform. It provides services to customers to invest in mutual funds and stocks. The company was founded in the year 2016, is headquartered in Bangalore, and is one of the best platforms to buy digital gold in India.

Through Groww, the users will be able to purchase Gold in terms of grams from a starting price of INR 10. The purchase cannot be made through the Groww funds, and the users will have to purchase them through UPI, NEFT, net banking, IMPS, or RTGS. If it is net banking, then they will have to purchase for more than INR 100.

Jar

Name	Jar
Founded	2021
Minimum Investment	Based on Digital Transaction Value
Partnered with	SafeGold

Jar App - Best Digital Gold Investment App — Jar App – Best Platform to Buy Digital Gold in India

The Jar App is a daily savings platform that rounds off spare change from your digital transactions and invests it in digital Gold, all of this with zero manual involvement. For example, if a person spends Rs. 23, Jar smartly rounds it off to the nearest ten and automatically invests Rs. 7 in digital gold on their behalf.
First of its kind, with Jar App, you can save while you spend. The entire process takes 45 seconds and can start right after.
Jar App enables its customers to save consistently with minimum hassle so that they are all prepared for the future.

Airtel Payments Bank

Name	Airtel Payments Bank
Founded	2016
Minimum Investment	INR 1
Partnered with	SafeGold

Airtel Payments Bank is a financial service company that is a subsidiary of Bharti Airtel. It is the first company to receive a payments bank license from the RBI. Headquartered in New Delhi, India, Airtel Payments Bank was founded in the year 2017.

Airtel has launched a new platform, DigiGold. It is one of the best platforms to buy digital gold from. This platform will allow users to invest in digital gold. This feature can be used only by the savings account customers of Airtel Payments Bank.

Amazon Pay

Name	Amazon Pay
Founded	2007
Minimum Investment	INR 5
Partnered with	SafeGold

Amazon is one of the largest e-commerce platforms in India. It is a US-based company that was founded in the year 1994. Launched in 2007, Amazon Pay uses the consumer base of Amazon.com and focuses on giving users the option to pay with their Amazon accounts on external merchant websites. If you are looking for how to buy gold online with Amazon, then that is easy, too.

The users can buy Digital Gold through the Amazon App on the Amazon Pay page, or they can search for it directly in the search bar. Once the users can log in, they can click on the gold vault icon and see the buy price at that time. The digital gold can be bought from the starting price of INR 5. The users can buy up to 30g of Gold without KYC.

HDFC Securities

Name	HDFC Securities
Founded	2000
Minimum Investment	1 gram of Gold
Partnered with	Augmont Gold

HDFC is a financial securities company that is a subsidiary of HDFC Bank. HDFC Securities was founded in the year 2000, and its headquarters are located in Mumbai, India. HDFC Securities also allows its users to invest in digital gold.

Using HDFC securities, users can buy 24K Gold in terms of rupees as well as quantity. It is one of the best gold trading apps. You will be able to buy the top-quality Gold and store it safely in the digital locker, which can be accessed anytime and anywhere.

Motilal Oswal

Name	Motilal Oswal
Founded	1987
Minimum Investment	1 gram of Gold
Partnered with	MMTC-PAMP

Motilal Oswal is an India-based diversified financial service company that also provides gold investment opportunities. The company was founded in the year 1987 and has its headquarters in Mumbai, India. Motilal Oswal allows users to purchase digital Gold at a starting price of INR 1,000. You can purchase 24k pure gold at the best price and keep it safe online.

FinPlay

Name	FinPlay
Founded	2021
Minimum Investment	INR 1
Partnered with	MMTC-PAMP

FinPlay is a game-based investment platform that is designed to bring two exciting themes of fintech and gaming together, making it one of the best gold investment apps in India. Founded by two IITians, FinPlay allows users to play games and earn FinCash awards, which they can redeem to get financial products at discounted rates on the platform, along with other rewards like Amazon coupons and more. Recognized as one of the best apps for gold investment, FinPlay offers a user-friendly approach to investing in digital gold, making it the best place to buy digital gold.

FinPlay currently helps users with the opportunity to buy digital gold. FinPlay extends easy ways to invest in 24K, 99.99% Pure Gold, which is 100% safe and secure, and promises transparent pricing. The company also enables its customers and other investors to buy and invest in digital gold starting from Re 1, and is gearing up to become a major company that would let users invest in gold.

Zerodha

Name	Zerodha
Founded	2010
Minimum Investment	1 gram of Gold
Partnered with	Augmont Gold

Zerodha is India’s largest retail stockbroker by active client base and trading volume. It is a discount broker, meaning it charges lower commissions than traditional brokers. Zerodha is known for its innovative trading platforms and its focus on customer service.

By expanding its reach into the e-hold trading industry, Zerodha has added another layer of innovation to its portfolio. It is a ground-breaking bargain brokerage. With a track record of disrupting the financial sector, it now provides a stable investment environment for digital gold. The platform’s commitment to customer satisfaction is reflected by the multitude of cutting-edge tools it provides, which equip users with the knowledge they need to make sound decisions and pave the way for an interesting and profitable e-gold investment experience.

Tanishq

Name	Tanishq
Founded	1994
Minimum Investment	INR 100
Partnered with	SafeGold

Tanishq is a leading Indian jewelry brand in the Tata Group. It is known for its high-quality jewelry and its commitment to ethical sourcing. Tanishq has a wide range of jewelry products, including gold, diamond, and platinum, making it one of the best apps for gold investment.

Tanishq is also a pioneer in the digital gold space. It was the first jewelry brand in India to offer digital gold to its customers. Tanishq’s digital gold product, Tanishq e-gold, is powered by SafeGold, a digital gold provider regulated by the Securities and Exchange Board of India (SEBI).

You can sell or swap the gold at any of its 350+ outlets in India anytime. There are no additional fees for the app’s locker or transaction processing. It is one of the best platforms to invest in gold and one of the most reputable sites for purchasing gold in physical and digital forms because it is a Tata Group firm. Tanishq is a trusted brand with a long history of providing high-quality jewelry and ethical sourcing. Its digital gold product, Tanishq e-gold, is a convenient and affordable way for investors to invest in gold. Tanishq is considered as the safest and best app to buy digital gold.

Spare8

Name	Spare8
Founded	2020
Minimum Investment	INR 10
Partnered with	Augmont & Paytm

Founded in September 2021, FinPlay is currently led by Ganesh Kumar Anegondi (Co-founder and CEO) and is built to simplify long-term investing and is, therefore, great for first-time investors. The platform currently lists digital gold as the only asset, but is planning to launch mutual funds and stock baskets in the upcoming months. “Democratise finance and wealth management for millennials in India” is currently the mission of FinPlay. The startup further aims to emerge as the go-to wealth platform for millennials who are just starting their wealth creation journey. It is considered one of the best app for gold investment, as it offers a user-friendly approach to investing in digital gold.

DigiGold

Name	DigiGold
Founded	2020
Minimum Investment	INR 1
Partnered with	–

DigiGold is an investment platform by Amrapali Gujarat, founded in 2020, with 40+ years of legacy in Bulk Gold and Silver. Accredited by NABL and BIS, and supported by GGC and SEQUEL, DigiGold is one of the best apps to buy digital gold and is one of the best digital gold companies in India. Gold purchased by the users is stored in Government-trusted vaults of BRINKS. The minimum amount of purchase starts from just INR 1. They also offer a no-lock-in-period SIP in Gold with a minimum amount of INR 500 through periodic installments. With DigiGold, you can buy and possess a portion of massive gold, silver, and platinum bars that are safely stored in The Vault. DigiGold is considered as the best place to buy digital gold.

Jupiter Money

Name	Jupiter Money
Founded	2019
Minimum Investment	INR 10
Partnered with	MMTC-PAMP

Jupiter Money is a digital payment app powered by Federal Bank, founded by Jitendra Gupta and Vishnu Jerome in 2019, and headquartered in Mumbai. The Jupiter Money app allows investors to buy/sell digital gold or start a No-penalty SIP starting at INR 10. Jupiter Money and MMTC-PAMP have teamed up to provide digital gold on the platform. You can invest in 24K gold that is 99.99% pure through Jupiter Money. Gold can be purchased and sold at current market prices at any time of day. With the app, you may store gold in safe vaults.

MMTC-PAMP

Name	MMTC-PAMP
Founded	2008
Minimum Investment	INR 1
Partnered with	–

MMTC-PAMP was founded in 2008 as a joint venture between MMTC Ltd. (a government of India undertaking and India’s largest public sector trading organization) and PAMP SA, a bullion brand based in Switzerland. Investors can redeem digital gold for 24K, 999.9 purest gold bars and coins from MMTC-PAMP. They can sell the digital gold back to MMTC-PAMP or gift/transfer the gold to a loved one using the platform.

Gullak

Name	Gullak
Founded	2022
Minimum Investment	0.5 gm of gold
Partnered with	Augmont

Gullak is a savings and investment app founded by Manthan Shah, Dilip Jain, and Naimisha Rao in 2022. Recognized as the best digital gold investment app in India, Augmont and Gullak collaborated to create the leasing scheme known as Gullak’s Gold+. With the Gullak app, customers may safely lease their gold thanks to Gold+. Reputable, reliable, and established jewelers lease gold metal. Jewelers offer investment protection in the form of bank or corporate guarantees. The interest that these jewelers pay is expressed in grams of gold, and the users also benefit from this. The minimum quantity required to participate in Gold+ is 0.5 grams, and the maximum quantity is 250 grams.

Pluto Money

Name	Pluto Money
Founded	2023
Minimum Investment	INR 100
Partnered with	Augmont

Pluto Money, a goal-based saving platform that assists users in creating a secure financial future, was founded by Danish and Reev. It is known as one of the best apps to invest in gold. It assists users in establishing a savings habit, making low-risk investments, and reaching their financial objectives. With Pluto Money, investors can buy 24K, 99.9% pure gold and convert digital gold to physical gold, with delivery to your doorstep. To invest in digital gold, download the app, register, choose your investment amount, and complete your purchase.

Plus Gold

Name	Plus Gold
Founded	2022
Minimum Investment	INR 100
Partnered with	Augmont

Plus Gold is an Indian-based jewellery savings app that combines the simplicity of digital gold investment with the excitement of building a jewellery collection. Users can invest in gold through systematic investment plans (SIPs) or one-time purchases, with no lock-in period, allowing for easy redemption anytime. Purchases can be made using UPI, NEFT, net banking, IMPS, or RTGS, making it one of the best apps to buy digital gold.

With Plus Gold, users earn a 10% extra gold benefit, receiving 1 gram of additional gold on every 10 grams purchased. Trusted by over 300 verified jewellers and redeemable at 1,000+ stores in 520+ cities, Plus Gold offers a secure and flexible way to save in gold for the future.

Dvara SmartGold

Name	Dvara SmartGOld
Founded	2019
Minimum Investment	INR 100
Partnered with	Jana Small Finance Bank (SFB)

Dvara SmartGold is a micro-savings platform that helps users build a financial safety net by investing in gold. Launched in 2019, it allows you to save in small, flexible installments through SIPs, and redeem your savings as cash, coins, or jewellery from trusted jewellers.

With no fees or commissions on SIPs and secure storage in BRINKS vaults, Dvara SmartGold offers a simple, safe, and affordable way to grow your gold savings for future needs.

Fiydaa

Name	Fiydaa
Founded	2023
Minimum Investment	INR 5
Partnered with	Not publicly disclosed

Fiydaa is a digital gold investment platform designed for middle-class savers, letting you start with as little as INR 5. It offers flexible SIP options like DigiGold SIP (from ₹100), Lease SIP (earn extra 4% monthly in grams), and Gold Coin SIP (redeem coins later). With Fiydaa X, users can lease gold to earn up to 6% annually. All gold is securely stored and can be redeemed anytime for cash or physical delivery. Fiydaa also offers its jewelry line, Elegance.

eBullion

Name	eBullion
Founded	2020
Minimum Investment	Not disclosed
Partnered with	Not publicly disclosed

eBullion is a complete digital gold investment platform that lets users buy, sell, and manage gold 24/7. It’s designed for both beginners and active investors who want full control and real-time insights. The platform offers live gold prices, smart price alerts, and detailed portfolio tracking. Users can set custom alerts to buy or sell at their preferred rates. All gold is 100% insured, stored in secure vaults, and can be redeemed anytime for cash or physical delivery. eBullion focuses on transparency, safety, and flexibility, making gold investing simple and convenient.

FAQs

Can people buy E-Gold in India?

Yes, you can buy digital gold in India through various digital gold investment platforms.

Is digital gold better than physical gold?

Digital gold is a better option than physical gold as it ensures safety and has no additional storage costs.

What is E-gold in India?

E-gold is held electronically in the demat form and can be freely converted into physical gold.

Which is the best country to buy gold?

If you are wondering about the best country to buy gold, it is Dubai, UAE.

What is digital gold?

Digital gold or e-gold is a virtual form of gold investment that one can make. The users can easily buy e-gold via the best gold investment apps available online and have it stored in secured vaults.

What is the best way to buy digital gold?

The best way to buy digital gold is through trusted apps like eBullion, Jar, or MMTC-PAMP that offer real-time prices, secure vault storage, and easy redemption.

Which are the best Digital Gold Investment platforms in India?

Some of the best Digital Gold Investment platforms in India are:

Paytm
Phonepe
Google Pay
Groww
Jar
Airtel Payments Bank
Amazon
HDFC Securities
Motilal Oswal
FinPlay
Upstox
Zerodha
5paisa
Tanishq

October 17, 2025

Paytm Restructures Operations, Brings Key Business Units Under Direct Ownership

One97 Communications, the parent company of Paytm, has authorised an internal reorganisation plan to directly own a number of its technological and financial businesses. The business stated in a filing with the exchanges that the action is a component of its endeavours to enhance operational efficiency, fortify governance, and streamline its group structure.

According to the plan, Paytm will pay up to INR 50 lakhs to founder Vijay Shekhar Sharma and his company VSS Investco Pvt Ltd for around 51.22% of the equity shares of Paytm Financial Services Ltd (PFSL). Following the purchase, One 97 Communications will acquire full ownership of PFSL.

Later Paytm Plans to Move all these Entities Under One97 Communications

After this, Paytm will directly or indirectly own Admirable Software, Mobiquest Mobile Technologies, Urja Money, and Fincollect Services, the companies in which PFSL has interests. The fintech major stated that it intends to use intra-group transfers in the future to transfer these holdings directly under One 97 Communications. Of them, Admirable Software, which offers IT services, reported INR 44 lakhs in FY25 revenue.

Urja Money made INR 18.59 Cr, while Mobiquest, which provides tech and loyalty solutions, recorded a top line of INR 33.43 Cr. In the same year, Fincollect, a company that provides collection services, reported revenue of INR 220.47 Cr. For a maximum of INR 3.52 Cr, Paytm will also buy the remaining shares in Sharma and his owned companies’ Paytm Emerging Tech Ltd (previously Paytm General Insurance), Paytm Insuretech, and Paytm Life Insurance, converting each into a wholly-owned subsidiary.

Additionally, Paytm intends to convert debentures and inter-corporate deposits valued at around INR 15 Cr at face value in order to enhance its ownership of Little Internet Pvt Ltd, an e-commerce company, from 62.53% to roughly 78%.

Why Paytm Opted for this Shift?

The reorganisation follows a year of portfolio changes by the fintech juggernaut with the goal of streamlining ownership among group companies and refocusing on its core business. The board of Paytm approved investments of INR 455 Cr across its subsidiaries in August 2025. These investments included INR 155 Cr in Paytm Services Pvt Ltd (PSPL), which offers manpower and related services, and INR 300 Cr in Paytm Money, the company’s wealth and investment arm.

Paytm Money, which provides mutual fund distribution and stockbroking, reported a 10% decline in turnover from INR 194.1 Cr to INR 172.9 Cr in FY25. Paytm is still optimistic about the vertical’s long-term prospects, though. During the company’s Q1 earnings call, CFO Madhur Deora stated that Paytm is still doing well in the share broking space.

Paytm Money’s licence as a research analyst was issued by SEBI earlier this year, potentially creating a new source of income in the wealth management industry.

Quick
Shots

•Paytm initiates major restructuring
to bring key business units under direct ownership of parent company One97
Communications.

•Move aims to boost operational
efficiency, strengthen governance, and simplify group structure.

•Paytm to buy 51.22% stake in Paytm
Financial Services Ltd (PFSL) from founder Vijay Shekhar Sharma and VSS
Investco Pvt Ltd for up to INR 50 lakh.

•Post-acquisition, One97
Communications will fully own PFSL.

October 16, 2025

Paytm Launches Festive Offer: Win Free Gold Coins on Digital Payments and UPI Transactions

A new gold coin incentives feature has been introduced by Paytm (One 97 Communications Limited) for all transactions conducted through its platform, including bill payments, recurring payments, online purchases, money transfers, recharges, and Scan & Pay.

Credit card and RuPay credit card payments made through UPI receive double gold coins, and all payment methods—UPI, debit cards, credit cards, and net banking—are accepted.

According to the release, users receive 1% of the transaction value in gold coins. In practice, INR 10,000 buys 100 gold coins, and INR 1.5 lakh must be spent in total to redeem 1,500 coins. This results in an effective payback of 0.01%, or INR 15 in gold for every INR 1.5 lakh spent.

Right Time for Paytm’s Gold Initiative

The campaign is ideally timed for India’s holiday season, which is often when demand for gold is at its highest. According to the corporation, the programme takes place before the holiday season, when India’s demand for gold often increases.

Paytm emphasised that the functionality enables consumers to channel GST-driven savings into long-term investments and to progressively amass digital gold. The company claims that by enabling customers to exchange pennies for digital gold, the offering fits in with the saving habits of Indian households.

Reminders for regular spending, monthly spend summaries, customised UPI IDs, downloadable UPI statements, and aggregated views of bank accounts connected to UPI are further features of recent Paytm app updates.

Paytm Backing Digital Finance and Savings Optimisation

In order to promote national priorities in digital banking and savings optimisation, Paytm presents the gold coin incentives and associated digital features.

According to the corporation, these modifications will help people and companies use digital payments more effectively in the context of changing regulations. The rollout, according to the corporation, is in line with larger government programmes like Atmanirbhar Bharat and GST reforms, which are meant to streamline compliance and promote savings for both households and businesses.

Current Financial Dynamics of Paytm

The number of UPI transactions on Paytm increased significantly in August. In August, there were 1.4 billion UPI transactions, compared to 1 billion the previous year.

Following the closure of its banking division, Paytm’s share of the payments market fell from over 13% in early 2024 to roughly 7%. The corporation is fighting to regain its market share even though it has cut its marketing costs through merchant payments, consumer credit, and buy-now-pay-later.

The fintech company was able to resume its growth trajectory with net profitability at the corporate level after a significant setback in 2024 brought on by regulatory constraints on its affiliate Paytm Payments Bank.

After reporting a loss of INR 840 crore for the same period the previous year, Paytm recorded its first net profit from core operations for the quarter ending June 2025 at INR 123 crore.

Due to a 38% increase in net payment revenue to INR 529 crore and a tripling of financial services revenue to INR 561 crore, operating revenue increased 28% year over year to INR 1,918 crore.

Quick
Shots

•Double gold coins on credit card and
RuPay credit card payments made via UPI.

•1,500 coins require INR 1.5 lakh
spend, offering an effective return of 0.01%.

•The scheme is timed with the festive
season, when India’s gold demand peaks.

•Encourages users to convert everyday
spending into long-term digital gold savings.

September 25, 2025

UPI Rules Changing from Nov 3: Big Impact for PhonePe, GPay, Paytm Users — What You Must Know

New settlement cycles have been announced by the National Payment Corporation of India. Recently, the new UPI (Unified Payments Interface) cycles for both authorised and contested transactions were revealed. For RTGS customers, who previously had to exercise caution when transacting, the revisions are welcome news.

Currently, UPI uses RTGS to perform 10 settlement cycles every day, each of which consists of both authorised and contested settlements. In order to expedite the daily settlement process, it has been determined to separate approved and disputed settlements in light of the notable increase in transaction volume.

New Rules Framed by NPCI

First off, only permitted transactions will now be included in the settlement cycles between 1 and 10. As a result, these cycles will not process any disputes. The current cut-over times and RTGS posting schedules won’t be altered. Second, as indicated in the above table, settlements pertaining to disputes will be conducted twice a day during settlement cycles 11 and 12.

Only disputed transactions will be included in these cycles. The identifiers DC1 and DC2, where DC stands for dispute cycle, will be incorporated into the NTSL file naming scheme.

Thirdly, three other settlement regulations, such as GST reports, reconciliation reports, and settlement timeframes, remain unaltered. The deadline for terminating any autopay mandates associated with the former @paytm UPI ID handles has also been extended by NPCI by two months, until October 31, 2025.

How it will Impact Users and Banks?

The majority of users will continue to have the same experience while paying in physical stores, online, or via peer-to-peer transfers. Since they won’t be in competition with refund settlements within the same batch, these transactions should actually appear in banks’ systems more quickly.

Reconciliation processes will be less congested, which will be advantageous to banks. The new structure is intended to decrease the possibility of settlement delays, enhance operational efficiency, and reduce bottlenecks by separating disputes from ordinary transactions. UPI volumes are at all-time highs at the moment of the revamp.

According to NPCI data, UPI processed payments totalling INR 24.85 trillion in August, marking the first time it has surpassed the 20 billion monthly transaction milestone. Since digital payments are now the foundation of India’s financial system, it is anticipated that the more precise settlement structure will improve customer satisfaction and increase bank operating stability.

Quick
Shots

•Authorised and disputed transactions
will now be settled separately to speed up processing.

•Only approved transactions will be
processed — no disputes included.

•GST reports, reconciliation, and
settlement timelines remain unchanged.

•Autopay mandate closure deadline for
old @paytm UPI IDs extended to October 31, 2025.

•Banks benefit from reduced
reconciliation congestion and improved operational efficiency.

September 25, 2025

Paytm Relaunches BNPL as Credit Line on UPI to Boost Digital Lending

The fintech giant has revived its buy-now-pay-later (BNPL) product, Paytm Postpaid, as a credit line on UPI more than a year after it was put on hold. Paytm Postpaid, which was introduced in collaboration with Suryodaya Small Finance Bank, would allow consumers to obtain immediate short-term credit through the “Spend Now, Pay Next Month” plan.

Customers who are more likely to use this credit are the only ones being offered the service; a wider rollout is anticipated in the upcoming months. The facility provides short-term credit for a maximum of 30 days.

Why Paytm Closed the BNPL Credit Line?

In May 2024, Paytm discontinued its Postpaid service, pointing to a general deterioration in asset quality in the sector. Before being placed on indefinite hold in December 2023, Postpaid was first introduced as a BNPL product. It was then recast as a small-ticket personal loan option.

The business stated at the time that it would not start up again until the credit cycle was over. Since then, the company’s management has insisted that BNPL is still a worthwhile product and will reappear when the macroeconomy improves and lenders feel more at ease giving out small-ticket loans. Paytm CEO Vijay Shekhar Sharma hinted on the company’s Q1 results call that BNPL was halted because lenders were growing wary of small-ticket loans (less than INR 50,000).

He went on to say that BNPL will return when the personal credit is restored because he personally adored the product and was a promoter of it. The company is adamant that it will return. In contrast to the consistent development of its payments business, he reaffirmed that BNPL was one of Paytm’s most potent non-linear growth drivers, able to propel disproportionate revenue and margin expansion.

Improved Market Conditions Rightly Poised to Re-launch BNPL

The product’s rebranding as a credit line on the UPI offering implies that the business believes the market attitude has improved. Additionally, Paytm has been profitable at this moment. In the first quarter of FY26, the fintech giant reported a net profit of INR 122.5 Cr, compared to a loss of INR 840.1 Cr in the same period last year.

During the reviewed quarter, operating sales soared 28% year over year to INR 1,918 Cr. Notably, prominent UPI players are increasingly using the credit line on UPI offerings.

Such an option was introduced by PhonePe in August 2024, while Flipkart’s super.money strengthened its credit-on-UPI play by acquiring BNPL startup BharatX.

Quick
Shots

•Offers short-term credit under “Spend
Now, Pay Next Month” scheme.

•Credit line valid for up to 30 days;
currently limited to select users.

•Full-scale rollout expected in the
coming months.

•BNPL was earlier paused due to asset
quality concerns and lender caution.

September 17, 2025

PayNearby to Launch IPO in FY26, Eyes Growth in Digital Financial Services

According to reports, Mumbai-based fintech PayNearby intends to do an initial public offering (IPO) within the upcoming fiscal year in order to support its growth. Anand Kumar Bajaj, the CEO and managing director of PayNearby, told Reuters that the company is now choosing a merchant banker for the initial public offering (IPO) and intends to submit a draft red herring prospectus (DRHP) after that.

Merchant Expansion & Hiring Strategy

In an interview with the journal, Bajaj stated that the company has spoken with three merchant bankers and is currently choosing which to work with for the initial public offering. The process of filing the draft red herring prospectus will then start.

Bajaj added that PayNearby currently has 1.2 million shop partners and intends to add roughly 5 lakh more in the next two years. By the end of the current fiscal year, the firm also intends to add 600 staff members.

PayNearby vs. Other Fintech Giants

When it comes to financing and payments, Indian fintech behemoths like Paytm, PhonePe, and BharatPe rule the market. PayNearby, on the other hand, takes a different approach by establishing a huge network of local merchants to provide digital services.

Financial Performance in FY25

The company anticipates a 10% increase in sales for the current fiscal year. It does this by providing retail stores with financial services that allow them to provide cash withdrawal, remittance, bill payment, and other services to their local communities.

In the year that ended in March 2025, it claimed a profit of 120 million rupees and gross revenue of roughly 3 billion rupees ($34.9 million). By the end of the current fiscal year, it also hopes to have between 550 and 600 new hires.

Indian Fintech IPO Boom

The goal of many fintech majors is to go public. Pine Labs, Groww, and Razorpay are vying for their public offerings, while Kissht, a lending software startup, submitted its DRHP this week for its INR 1,000 Cr IPO.

PayNearby wants to go public at a time when a lot of tech startups are trying to list on stock exchanges. About 23 firms are in various stages of going public, and many of them have also been approved by SEBI to go public, according to various media reports. But this year, just four startups have reached the public listing stage.

Quick
Shots

•Plans to grow its 1.2M shop partner
network by adding 500K merchants in two years.

•To recruit 600 new employees by end
of current fiscal year.

•Reported INR 3B revenue ($34.9M) and
₹120M profit in FY25; targeting 10% sales growth this year.

•Cash withdrawal, remittance, bill
payment, and other digital financial services at retail stores.

•Joins peers like Pine Labs, Groww,
Razorpay, Kissht, and others preparing to list.

•Around 23 Indian startups in IPO
pipeline, but only 4 listed in 2025 so far.

August 22, 2025

UPI Transactions Ban: Services Users Can’t Use Starting October 1, 2025

Users using UPI might want to monitor any updates to the National Payments Corporation of India’s (NPCI) UPI payment regulations. Peer-to-peer (P2P) transactions, one of the most popular UPI features, are reportedly going to be eliminated by the NPCI.

Sending a request for money to a UPI account holder is a common usage for this functionality. In an effort to improve user security and lower financial fraud, this feature will be eliminated from UPI apps starting on October 1, 2025.

What NPCI’s New Rule States?

“By October 1, 2025, UPI P2P Collect shall not be allowed to be processed in UPI,” the NPCI said in a circular dated July 29. This implies that starting on the specified date, banks’ and payment apps’ “collect request” functionality will be completely eliminated. Sending money requests to other UPI app users and reminding them to split a bill or share the amount is a common usage for the P2P feature. However, scammers are taking advantage of this capability to defraud UPI customers and drain their accounts.

Why Peer-to-Peer Collect Requests Are Being Removed?

This feature is frequently used by scammers to send user requests under false pretences of an emergency or a fictitious role. Without understanding they have fallen for a scam, the user immediately begins to lose money after agreeing to the solicitations. Thus, eliminating the P2P function will lower the likelihood of scams.

P2P transactions were formerly restricted to INR 2,000 each. Although this has reduced a number of fraud cases, it was insufficient to completely prevent them. From October 1, users will no longer be able to send money using the UPI PIN unless they choose to utilise a QR code or the contact number.

How This Will Affect UPI Users

Flipkart, Amazon, Swiggy, and IRCTC are among the merchants whose transactions will not be impacted by the new UPI payment regulations. To finish the payment, these platforms will be permitted to exchange a collection request. Users will still be charged, though, since they must authorise the request and provide their UPI PIN in order to finish the payment.

Other Recent UPI Updates You Should Know

For processing UPI transactions on merchant applications and websites, ICICI Bank has begun charging payment aggregators (such as Google Pay, PhonePe, Mobikwik, Razorpay, etc.) a fee.

This regulation went into effect on August 1, 2025. “Mony,” a UPI-based app for travellers and non-resident Indians (NRIs), was released by Smart Payment Solutions, a business governed by the RBI.

It is no longer necessary to have an Indian bank account to make payments in India. They can pay immediately at stores, restaurants, and shops by scanning UPI QR codes. This is a component of the “UPI One World” program, which seeks to facilitate foreign tourists’ usage of India’s digital payment system.

August 15, 2025

NPCI Blames Partner Bank Glitches for UPI Outage Affecting Millions

The widespread UPI outage on 7 August was attributed by the National Payments Corporation of India (NPCI) to internal technical issue at a “few” partner banks.

The payments organisation stated that the problem has been resolved and that the NPCI systems were “functioning perfectly” in a post on X. We apologise for any difficulty caused by the sporadic UPI connectivity issues, as a few banks had internal technical challenges. The post stated, “NPCI systems have been operating smoothly, and we have collaborated with these banks to guarantee prompt resolution.”

Widespread Impact on Digital Payments Across India

This comes after a significant UPI that affected digital payments nationwide and prevented users from accessing fast payments. Nearly 200 customers reported issues with the payments interface during the height of the disruption, with 61% of users reporting trouble completing payments, according to outage tracking tool DownDetector.

UPI Faced Four Major Outages in 2025

This year, there have been four significant UPI outages. Two such events occurred in April after the first significant disruption to the payments rails occurred in March. Major digital payments company PhonePe also went offline in May, citing a lack of network bandwidth.

NPCI and Government Urge Resilience in UPI Infrastructure

According to reports, in April, NPCI officials met with representatives of major banks and UPI apps to discuss the outages, which had increased. Nirmala Sitharaman, the finance minister, even stepped in and told the NPCI to “reinforce” UPI’s resilience and stop any more disruptions.

To expedite UPI transactions, the payments organisation established a new set of guidelines for acquiring banks and payment service providers (PSPs) in May. The huge volume of “check transaction status” APIs used by PSP banks at extremely high transactions per second (TPS) and other problems were brought to the attention of NPCI.

July 2025 UPI Stats: 19.47 Billion Transactions Hit All-Time High

Transactions over the Unified Payments Interface (UPI) increased 5.8% to reach a new all-time high of 19.47 billion in July. Year-over-year (YoY), the number of transactions increased by 35%. The number of transactions decreased to 18.40 billion in June.

UPI transactions in July were INR 25.08 Lakh Cr, up 4.3% from INR 24.04 Lakh Cr in the previous month, according to data from the National Payments Corporation of India. Prior to this, the amount of UPI transactions reached an all-time high of 18.68 billion transactions in May.

Compared to 613 million in June, the average daily transaction count increased to 682 million in the reviewed month. In addition, the average daily transaction value in July was INR 80,919 Cr.

August 8, 2025

Antfin Fully Exits Paytm With INR 3,981 Cr Selloff: Chinese Stake Nears Zero

On July 5, the Alibaba Group affiliate business sold 3.73 Cr shares of the fintech giant through open-market transactions for INR 3,980.7 Cr, a day after rumours circulated that Antfin was seeking to sell its remaining interest in Paytm.

Societe Generale, My Asian Fund Among Key Buyers

Antfin sold the shares at an average selling price of INR 1067.6 each, according to BSE data. This was about 1% less than Paytm’s closing price of INR 1,078.3 on 4 August. Societe Generale acquired 67.5 lakh shares, while My Asian Opportunities Master Fund L snatched up 35 lakh of the shares that flooded the market.

Antfin to Sell Remaining Stake via INR 3,800 Cr Clean-Out Deal

According to a CNBC report, Antfin Holding BV, a division of Alibaba Group, intends to sell its remaining 5.84% share in One 97 Communications, the parent company of financial giant Paytm, through a clean-out block deal of INR 3,800 Cr.

The sale’s floor price is INR 1,020 per share, which is 5.4% less than the BSE’s closing price of INR 1,078.30 on 4 August. Antfin would completely leave the Indian fintech company with the deal, which is anticipated to be completed in a single tranche.

Final Exit Follows Earlier INR 2,103 Cr Stake Sale in May

This action comes after Antfin sold a 4% interest for INR 2,103 Cr in May 2025. Over 2.55 Cr shares were sold in that transaction at an average price of INR 824.67, which was 3.72% less than Paytm’s most recent closing price at the time. Goldman Sachs (Singapore) had acquired 37.25 lakh shares in that transaction at that point.

Paytm’s Performance Boosts Investor Confidence

In just three months, Antfin will have sold off almost 10% of its Paytm stock, marking a calculated withdrawal following years of investment. Antfin had roughly 23.8% of the business at its height.

The anticipated exit follows Paytm’s first-ever quarterly net profit of INR 122.5 Cr in Q1 FY26, which was achieved after the company reported a loss of INR 839 Cr the previous year. EBITDA was positive at INR 71.5 Cr with a 3.7% margin, while its revenue increased 27.7% YoY to INR 1,917.5 Cr.

Impact: China’s Stake in Paytm Nears Zero

Over the past month, the company’s stock has climbed by more than 20% as a result of rising investor confidence and a growth in mutual fund participation. The agreement would further lessen China’s involvement in Paytm, which has already come under fire for issues with foreign ownership and data localisation.

Vijay Shekhar Sharma, the creator of Paytm, and his family members own Resilient Asset Management BV, an international company that holds a 19.31% stake in One97 Communications, making them the largest stakeholder overall.

August 6, 2025

Top 12 Best Online Payment Gateways in India 2025

At present, the world has experienced huge growth in online payments, and with the Covid-19 presence, people preferred to use online payment methods for almost everything as it is safe and secure. More and more people are opting for a cashless way to transfer money. Here, comes the work of the payment gateway. A payment gateway is basically a merchant service that connects the users’ bank accounts with the platform where the users need to transfer their money. A bank may provide a payment gateway to its customers, there is also a specialized financial service provider such as a payment service provider which provides it as a separate service.

Whether you are a small business or you have an established E-commerce business, good payment service is an essential factor for it. An online payment gateway is a secure and convenient way for a website or online business to accept payments from customers. When a customer makes a purchase on an e-commerce website, they enter their payment information, which is then processed by the payment gateway. The payment gateway verifies the information, checks to see if the customer has the funds available, and then transfers the funds from the customer’s account to the business’s account.

A payment gateway platform gives authority to the users to conduct an online transaction through various payment modes such as net banking, credit card, debit card, UPI, and other online payment apps. It is a third-party platform that provides the ability for the user to securely transfer their money to the merchant’s payment portal. In this era of the digital world, E-commerce is leading the market. As times are changing fast online businesses are also moving. So, it is important to know about the payment gateways in India.

In order to use an online payment gateway, you will need to sign up for an account and integrate the payment gateway into your website or online store. This typically involves adding a few lines of code to your website and may also require you to obtain a merchant account.

There are many different online payment gateways available, each with its own set of features and fees. In this article, we will talk about the top payment gateways in India that allow customers to make payments online. So, let’s take a look at them.

S.No.	Payment Gateway	Key Features	Transaction Fees
1	Razorpay	Easy integration, supports multiple payment modes, instant settlements	2% per transaction
2	Instamojo	No setup fee, user-friendly dashboard, quick payouts	2% + ₹3 per transaction
3	Paytm	Large user base, supports UPI/wallet/cards, instant refunds	1.99% + taxes
4	CCAvenue	Multiple currency support, advanced fraud detection, recurring billing	2% per transaction
5	Payflow	Easy integration for businesses, seamless checkout experience	Varies by plan
6	Cashfree	Instant settlements, API friendly, supports international payments	1.75% onwards
7	BillDesk	Reliable for utility and recurring payments, strong security	1.5% onwards
8	Atom	Supports 100+ payment options, secure and scalable	1.99% onwards
9	HDFC	Bank-backed, secure transactions, easy reconciliation	2% per transaction
10	PayKun	No setup or maintenance fee, multiple payment modes	1.75% per transaction
11	PayU	Easy checkout, supports international cards, fast settlements	2% per transaction
12	MobiKwik	Popular wallet-based gateway, supports UPI, cards, EMI, and Buy Now Pay Later options	1.75% onwards

Razorpay

Mobile Applications	Google Play Store
Accepted Payment Methods	Domestic and International Credit & Debit cards, EMIs ( Credit/Debit Cards & Cardless), PayLater, Netbanking from 58 banks, UPI and 8 mobile wallets

Razorpay is one of the best payment gateways in India for your business. It was started in 2014. Many entrepreneurs who use Razorpay for their business, have seen some increase in their conversion rate. Razorpay has helped businesses to solve the problem of digital payments. It is due to their smooth user experience. Also, the refund process is easy and automated. If your customer applies for a refund, Razorpay will automatically get the refund, if you set it to, without any extra widget or code. You can use Razorpay Subscriptions to execute the automated recurring transactions on various payment modes, through a platform that’s built for automation.

Razorpay Features

You can improve your business sales as Razorpay provides cashback and discounts to your customers
Payment modes include credit cards, debit cards, net banking, payments through UPI, and popular wallets.
Razorpay allows you to accept international payments from over 100 countries.
Manage your marketplace, automate bank transfers, collect recurring payments, share invoices, and avail working capital loans.

Instamojo

Mobile Applications	Google Play
Accepted Payment Methods	170+ payment methods including RTGS/Bank Transfer/NEFT/EMI

Instamojo is one of the top-rated payment gateways in India. It allows businesses to create a business account instantly and the account can also be activated within a few minutes to collect online payments. This is a Bangalore-based company and the target of Instamojo is selling digital goods and collecting payments online. You can enroll yourself at Instamojo with a bank account and start your online selling business. You can also collect payments for physical goods and workshops or events.

Instamojo Features

To set up the payment gateway, no extra payment is needed.
Different types of payment methods are available.
Special care is being taken for the security of the server.
Businesses can create discount codes for their products.

Paytm

Mobile Applications	Google Play and App Store
Accepted Payment Methods	UPI, Debit Card, Credit Card, NetBanking, AMEX/International

Paytm has emerged as a leading payment gateway in India due to its online customer base with the very popular Paytm wallet. It supports domestic credit cards like Visa, MasterCard, Maestro, Amex, Discover, and Diners. With Paytm online transactions can be made anytime and from anywhere. It is the best payment gateway solution provider in India which has served some biggest eCommerce companies.

Some of the most popular companies which use Paytm are Jabong, OLA, Cleartrips, Redbus, GoIbibo, Zomato, etc.

How to Create Payment Links from the Paytm Business Dashboard

Paytm Features

The latest technologies are used for secure online transactions.
It has the feature of saved cards, where a customer doesn’t have to put their card details again and again.
Paytm is not only available as a desktop application but also supports smartphones and tablets.

CCAvenue

Mobile Applications	Not Available
Accepted Payment Methods	200+ payment methods including EMI options

CCAvenue is an authorized payment gateway provider by Indian Financial Institutions and is known as the most secure and best payment gateway to transact money for online shopping. Customers can make online transactions via Credit Cards, Debit Cards, Net Banking, Digital and Mobile Wallets, Mobile Payment, and Cash Card modes. It offers smooth, fast, and secure transactions to its customers. Currently, CCAvenue powers more than 85% of businesses in India.

CCAvenue Features

CCAvenue provides “Smart Analytics” by which you can see a real-time comprehensive statistical online report and a transparent history of all your transactions.
It has a ‘Mobile Checkout Page’ which supports all mobile operating systems.
CCAvenue also has CCAvenue In-built Advanced Shopping Cart’, CCAvenue S.N.I.P. ( Social Network In-stream Payments), it is one of India’s first genuine Social Commerce facilities.

Payflow

Mobile Applications	App Store and Google Play
Accepted Payment Methods	Accept all major debit and credit cards supported by their processor, including Visa, Mastercard®, American Express, Discover, JCB, and Diners Club. Payflow Gateway also supports L2/L3 purchase cards, prepaid cards, foreign currencies, TeleCheck, and ACH.

Payflow is offered by PayPal. It is known for being a secure and open gateway for payments. Payflow accepts all major credit and debit cards. It adds over 173 million customers regularly and supports more than 100 currencies. In India, it is used by Merchants for receiving international payments.

Payflow Features

It accepts and offers different payment methods.
The checkout process is customized with the help of APIs.
It supports fraud protection services and allows you to install it for an additional fee.

Cashfree

Mobile Applications	Google Play Store
Accepted Payment Methods	UPI, EMI, digital wallets, Debit/Credit cards, and 100+ other payment options

Cashfree is a low-cost and popular payment gateway in India. Cashfree helps businesses in India to accept payments online from various payment channels. The best thing about Cashfree is that it has direct integration with multiple banks which makes Cashfree a fast and reliable payment gateway. It is the only payment gateway in India that provides a wide range of payment options such as Visa, MasterCard, Maestro, Rupay, and Amex, including 70+ more net banking options. Cashfree also supports UPI, NEFT, IMPS, and PayPal. TDR is the transaction discount rate that every payment gateway charges from the merchants for processing the transactions to their bank account.

Cashfree Features

The setup cost is not needed.
Cashfree also supports online wallets like Paytm, PhonePe, and GooglePay.
Cashfree is the fastest settlement cycle of 24 hours to 48 hours and also offers popup, iframe and seamless checkout modes

BillDesk

Mobile Applications	Google Play Store
Accepted Payment Methods	120+ Credit cards, Debit cards, Banks, Net Banking, Wallets

BillDesk is an Indian online payment gateway company based in Mumbai, India. BillDesk provides bill payment and settlement services to large billers like electricity, water, insurance, and other service providers. BillDesk also provides the ability to customers to decide how and when to make payments. BillDesk is a one-stop solution for customers through which customers can make all their payments at any time and from anywhere.

BillDesk Features

The integration is developer friendly and is quite easy and flexible..
BillDesk offers various payment methods.
Customers can also receive payment reminders or alerts.

Atom

Mobile Applications	Google Play Store
Accepted Payment Methods	Visa, Mastercard, Discover and American Express plus Amazon Pay, Apple Pay, Google Pay, PayPal, and Venmo

Atom consists of various payment options which accept payment through all major debit cards and credit cards. Atom has completed over 15 million transactions and is used by thousands of merchants across the country. Atom is completely secured as it is backed with PCI DSS version 3.2 and 256-bit encryption which ensures a safe and secure transaction.

Atom Features

Atom provides multiple payment methods.
The integration is quite simple and easy.
Atom provides invoices after every payment.

HDFC

Mobile Applications	App Store and Google Play Store
Accepted Payment Methods	All major credit, debit cards and net banking in India, including Visa, MasterCard, Visa Electron, Diners, Rupay, Discover or Maestro

HDFC is one of the largest banks in India that offers a payment gateway service for merchants and businesses to accept online payments from their customers. Many organizations like VSNL, Sify, and IRCTC use HDFC. If you want to use HDFC on your website or mobile app, you need to use their EPI payment gateway services. The HDFC Payment Gateway allows merchants to securely accept a wide range of payment options, including credit and debit cards, net banking, and UPI payments. The advantages of the HDFC payment gateway are instant settlement, a 100% chargeback facility, the facility to accept payment in 15 international currencies, easy integration with existing applications, and support for various shopping cart applications.

HDFC Features

The HDFC Payment Gateway supports a wide range of payment options, including Visa, Mastercard, American Express, and Rupay credit and debit cards, as well as net banking and UPI payments.
The HDFC Payment Gateway uses 128-bit SSL encryption to secure your transactions and protect your financial information.
The HDFC Payment Gateway can be easily integrated with your website or mobile app, allowing you to customize the payment experience for your customers.
The HDFC Payment Gateway provides detailed transaction reports and reconciliation tools to help you manage and track your payments.
It accepts 15 types of international currencies.
It provides 24×7 customer service.

PayKun

Mobile Applications	Not Available
Accepted Payment Methods	UPI wallet payments, subscription payments, Debit/Credit cards, Master Card, diners club card, net banking, wallets, UPI/BHIM

PayKun is an easy solution for online payments for all types of businesses including small businesses, and medium to large. Any kind of merchant including a freelancer, a YouTuber, a blogger, from an eCommerce website or mobile app, an offline and online seller at the shop or showroom, or an individual, every type needs to have an easy hand on the modern technology for the collection of digital payments. It provides free plugins and SDKs readily available on the internet to integrate with all the major platforms of websites and mobile applications.

PayKun Features

Paykun has zero setup fees and zero maintenance fees.
It provides different types of payment methods.
The server is safe enough to use.

PayU

Mobile Applications	Google Play and App Store
Accepted Payment Methods	100 different payment methods are supported, including EMI, UPI, net banking, cards, wallets, Buy Now Pay Later, etc.

PayU (formerly known as PayU Money) is one of the best multi-currency payment gateways to accept online payments. The PayU payment gateway is designed to be secure, reliable, and easy to use for both merchants and customers.

To use the PayU payment gateway, merchants need to sign up for an account and integrate the payment gateway into their online store or website. This can typically be done through the use of a software development kit (SDK) or by integrating with a payment processor or shopping cart platform. Once the integration is complete, merchants can start accepting payments from customers through the PayU payment gateway.

You can start accepting payments securely and seamlessly within your iOS, Android, or Windows app, within minutes, with its 100% online hassle-free onboarding process.

PayU Payment Gateway: What is a payment gateway and how does it work?

PayU Features

PayUMoney supports multi-currency transactions and international credit cards.
PayU provides over 100+ payment methods
The transaction history is available through PayU.

Mobikwik

Mobile Applications	Google Play and App Store
Accepted Payment Methods	Supports UPI, MobiKwik wallet, credit/debit cards, net banking, EMI, and Buy Now Pay Later options.

MobiKwik (earlier called Zaakpay) is one of the fastest-growing eCommerce payment gateways, helping businesses run smoothly. It focuses on giving users an easy experience by automatically detecting OTP (One Time Password) during payments.

Some well-known clients include Business World, BlueDart, Uber, and Zomato. Businesses can also integrate this gateway into their website or app with the help of eCommerce development companies.

Mobikwik Features:

Strong PCI DSS security to keep transaction data safe
Website analytics to track payment data
Supports credit/debit cards, wallets, international cards, UPI, and EMI options

Conclusion

The payment gateway has become the most important part of the world of increasing eCommerce businesses. If a business provides a good payment service, it automatically creates a good impression in front of its customers. With the increase of E-commerce businesses in the world, the need for proper payment gateways is also increasing.

FAQs

What is a Payment Gateway?

A payment gateway platform gives authority to the users to conduct an online transaction through various payment modes such as net banking, credit card, debit card, UPI, and other online payment apps.

Where payment gateways are used?

Payment Gateways are used mostly used by E-commerce businesses.

What are some top 5 Payment Gateways?

The top 5 payments gateways are:

Razorpay
Instamojo
BillDesk
Paytm
Payflow

Which is better, Paytm or PayPal?

The choice between Paytm and PayPal will depend on your specific needs and preferences. It may be helpful to consider factors such as geographical availability, payment methods, fees, and security when deciding which platform is right for you.

Who regulates payment gateways in India?

In India, payment gateways are regulated by the Reserve Bank of India (RBI), which is the central bank of the country.

Which is the cheapest payment gateway in India?

Cashfree Payment gateway is as of now, one of the cheapest payment gateways in India.

Is UPI available only in India?

UPI is not limited to India and has been adopted by some financial institutions and payment service providers in other countries as well such as Bhutan, Nepal, UAE, and the UK.

Which is better, Razorpay vs Billdesk?

Razorpay is better for startups and online businesses because it offers easy integration, many payment options, and instant settlements. BillDesk is more suited for large enterprises and utility bill payments due to its reliability and strong security.

Which is better, HDFC Payment Gateway vs Razorpay?

Razorpay is better for startups and developers due to its easy setup, modern features, and instant settlements, while HDFC Payment Gateway is ideal for established businesses needing a bank-backed, secure solution.

Which is the best payment gateway for startups in India?

The best payment gateway for startups in India is Razorpay because it offers easy integration, multiple payment options, fast settlements, and low setup hassle.

Which are the payment gateway for website in India?

Razorpay, PayU, and Cashfree are top payment gateways for websites in India, offering easy integration and fast payments.

Which is the best payment gateway for online business?

The best payment gateway for online business in India is Razorpay due to its seamless integration, wide payment options, and quick settlements.

August 4, 2025

Tag: paytm

Advantages of E-Gold

List of Best Platforms to Buy Digital Gold in India in 2025

How to Invest in E-Gold?

Open a Demat Account

Trading

Physical Delivery

List of Digital Gold Investment Platforms

Paytm

PhonePe

Google Pay

Groww

Jar

Airtel Payments Bank

Amazon Pay

HDFC Securities

Motilal Oswal

FinPlay

Zerodha

Tanishq

Spare8

DigiGold

Jupiter Money

MMTC-PAMP

Gullak

Pluto Money

Plus Gold

Dvara SmartGold

Fiydaa

eBullion

FAQs

Can people buy E-Gold in India?

Is digital gold better than physical gold?

What is E-gold in India?

Which is the best country to buy gold?

What is digital gold?

What is the best way to buy digital gold?

Which are the best Digital Gold Investment platforms in India?

Later Paytm Plans to Move all these Entities Under One97 Communications

Why Paytm Opted for this Shift?

Right Time for Paytm’s Gold Initiative

Paytm Backing Digital Finance and Savings Optimisation

Current Financial Dynamics of Paytm

New Rules Framed by NPCI

How it will Impact Users and Banks?

Merchant Expansion & Hiring Strategy

PayNearby vs. Other Fintech Giants

Financial Performance in FY25

Indian Fintech IPO Boom

What NPCI’s New Rule States?

Why Peer-to-Peer Collect Requests Are Being Removed?

How This Will Affect UPI Users

Other Recent UPI Updates You Should Know

Widespread Impact on Digital Payments Across India

UPI Faced Four Major Outages in 2025

NPCI and Government Urge Resilience in UPI Infrastructure

July 2025 UPI Stats: 19.47 Billion Transactions Hit All-Time High

Societe Generale, My Asian Fund Among Key Buyers

Antfin to Sell Remaining Stake via INR 3,800 Cr Clean-Out Deal

Final Exit Follows Earlier INR 2,103 Cr Stake Sale in May

Paytm’s Performance Boosts Investor Confidence

Impact: China’s Stake in Paytm Nears Zero

Razorpay

Razorpay Features

Instamojo

Instamojo Features

Paytm

Paytm Features

CCAvenue

CCAvenue Features

Payflow

Payflow Features

Cashfree

Cashfree Features

BillDesk

BillDesk Features

Atom

Atom Features

HDFC

HDFC Features