The role of payment gateways in mobile commerce
Mobile commerce is reshaping how consumers shop and transact, driven by the widespread adoption of smartphones and mobile apps. To stay competitive, businesses must ensure seamless, secure and reliable payment processing. Payment gateways play an important role in enabling smooth transactions and supporting business growth in today's fast-changing digital economy.
India's digital commerce sector is growing at an unprecedented pace, propelled by affordable smartphones, expanding internet access and advanced digital payment gateways. Future Market Insights projects the market to rise from USD 160 billion in 2025 to USD 640 billion by 2035, with mobile commerce driving this transformation.
This blog explores how payment gateways enhance mobile commerce, improve customer experience and drive business success.
The rise of mobile commerce
Mobile commerce is transforming India's retail landscape, driven by smartphone adoption, affordable data and growing reliance on apps for shopping and subscriptions. Over 75% of online purchases now happen via mobile devices, a trend set to grow as digital payments become more widespread.
To stay competitive, businesses must offer smooth and secure mobile payment experiences. A well-integrated payment gateway ensures seamless transactions, enhancing customer satisfaction and driving growth.
The role of payment gateways in mobile commerce
As India's digital commerce market grows at a CAGR of 15.7% from 2025 to 2035, secure and efficient payment gateways are essential for smooth transactions. These gateways facilitate the transfer of payment data between customers, merchants and banks, ensuring a frictionless checkout experience.
What's driving the rise of mobile payments?
With more people in India using smartphones to shop online, businesses need to make the payment process easy and mobile-friendly. A good payment gateway helps make this happen by offering fast, safe and simple ways to pay.
Now, let's look at what's driving this growth and how payment gateways are helping businesses offer better mobile payment experiences.
Faster payments, fewer drop-offs
To stay competitive in the fast-moving world of mobile commerce, businesses need tools that remove barriers to purchase.
Today's leading payment gateways offer capabilities designed to improve both the merchant experience and customer journey. Key enablers of seamless mobile payments include: Quick onboarding to help businesses start accepting payments faster.
Two-click checkout to reduce drop-offs and improve conversion rates.
Support for 100+ payment methods, including UPI, debit/credit cards, wallets and BNPL options.
Loyalty point redemption to allow customers to pay using reward points.
Flexible payment options
With rising online spending, especially from India's growing middle class, affordability has become a major driver of purchase decisions. Key affordability features boosting mobile commerce include: Zero or low-cost EMI to make purchases more accessible.
Debit and credit card EMI to cater to a wider audience.
Cardless EMI and BNPL for customers without traditional credit access.
Customised discounts, cashback and promotional offers to drive engagement.
AI and machine learning for fraud prevention
With over 10 billion UPI transactions per month, security is paramount in mobile payments. Payment gateways leverage AI-powered fraud detection to enhance security and optimise success rates using: Real-time fraud prevention to detect suspicious transactions.
Transaction optimisation for higher success rates and minimal payment failures.
UPI transforming payments
Unified Payments Interface (UPI) has been a game-changer for India's digital economy. UPI-powered advantages such as speed, simplicity and secure flows have made it the preferred method of payment across customer segments. UPI-powered advantages include: UPI intent flows for direct and secure mobile payments.
UPI deep links to enable cash-on-delivery payments via messaging apps.
Reaching new markets
With over 900 million internet users expected by 2030, rural and smaller urban areas are set to lead the next phase of e-commerce growth.
Digital commerce penetration beyond metro areas is expected to account for over 50% of the market by 2030, requiring businesses to ensure their payment systems are inclusive and adaptable.
Global reach through multi-currency support
Cross-border commerce is expanding rapidly, with B2B digital commerce projected to reach USD 360 billion by 2030. Payment gateways enable businesses to process international transactions seamlessly. Global payment features that simplify international transactions include: Multi-currency processing for smoother cross-border transactions.
Automated currency conversion for a seamless international payment experience.
Sustainability in digital commerce
With more businesses adopting green practices like eco-friendly packaging and EV-based delivery, digital payments are playing a role in driving sustainability. Payment gateways support these efforts through: Digital invoicing to eliminate the need for paper bills.
Paperless transactions that reduce the carbon footprint of commerce.
The future of mobile commerce and payment gateways
India's retail e-commerce market is expected to hold a 60% value share by 2025, driven by fashion, electronics and groceries. To stay ahead, businesses must integrate scalable, secure and feature-rich payment gateways that align with evolving consumer expectations.
Why businesses need robust payment gateways: Higher conversions: A frictionless checkout experience encourages repeat purchases.
A frictionless checkout experience encourages repeat purchases. Reduced cart abandonment: Faster transactions increase completion rates.
Faster transactions increase completion rates. Enhanced security: Encrypted payments ensure safe transactions.
Encrypted payments ensure safe transactions. Seamless cross-border payments: Multi-currency support allows global expansion.
Simplify mobile payments and scale with a smart payment gateway.
With digital commerce expected to grow 4x by 2035, adopting advanced payment gateways is vital for secure, seamless mobile transactions—enhancing user experience, streamlining operations and enabling global business expansion.
By using AI-led fraud detection, UPI, affordability tools and cross-border features, businesses can unlock growth. As digital payments evolve, integrating an advanced payment gateway such as Plural can be key to long-term success.
Sources:
https://www.futuremarketinsights.com/reports/india-digital-commerce-market
TIME BUSINESS NEWS

Try Our AI Features
Explore what Daily8 AI can do for you:
Comments
No comments yet...
Related Articles


Business Wire
an hour ago
- Business Wire
AM Best Affirms Credit Ratings of Helvetica Re Rückversicherung AG Corporation
BUSINESS WIRE)-- AM Best has affirmed the Financial Strength Rating of A- (Excellent) and the Long-Term Issuer Credit Rating of 'a-' (Excellent) of Helvetica Re Rückversicherung AG Corporation (Helvetica) (Barbados). The outlook of these Credit Ratings (ratings) is stable. The ratings reflect Helvetica's balance sheet strength, which AM Best assesses as strongest, as well as its adequate operating performance, limited business profile and appropriate enterprise risk management. The company is Barbados-domiciled and began commercial operations in 2022, underwriting surety for renewable energy and infrastructure developments in Spain seeking further geographic diversification in Latin American markets. Until 2025, the company was originally named Berliner Re Reinsurance Company Inc. The ratings of Helvetica also reflect its strongest level of risk-adjusted capitalization, as measured by Best's Capital Adequacy Ratio (BCAR), adequate reinsurance program and conservative investment strategy aimed at providing liquidity and maintaining appropriate asset-liability management. Partially offsetting these positive rating factors are Helvetica's business profile, which is bounded by its current concentration in a single business line and distribution channel, as well as the highly competitive landscape in its target geographic markets' surety bond segment amid a challenging economic environment. Helvetica's risk-adjusted capitalization stands at the strongest level underpinned by a robust capital base and low underwriting leverage in conjunction with its conservative investment allocation. In AM Best's view, the company's operating performance is pressured by its high administrative expense structure, due to its startup nature; nevertheless, a continuously expanding top line in conjunction with well-contained claims and consistent inflow of investment income is expected to enhance bottom line results within the short term. Helvetica constantly reviews its underwriting guidelines to improve the performance of its businesses. Additionally, reinsurance commissions stemming from its quota share agreement with counterparties with a good level of security, will contribute gradually to offset its high operating expense structure. Helvetica posted a net income of USD 2.3 million within its first year of operation in 2022, followed by USD 8.7 million in 2024, according to preliminary financials. Negative rating actions could occur if Helvetica's high growth levels in conjunction with higher country risk tiers deteriorate balance sheet strength to levels no longer supportive of the strongest level. Additionally, negative rating actions could occur if underwriting results fall short of AM Best's expectations and deteriorate to levels no longer supportive of an adequate operating performance assessment. Positive rating actions, while unlikely within the mid term, could occur if the company is able to achieve geographic expansion successfully, while maintaining premiums sufficiency. This press release relates to Credit Ratings that have been published on AM Best's website. For all rating information relating to the release and pertinent disclosures, including details of the office responsible for issuing each of the individual ratings referenced in this release, please see AM Best's Recent Rating Activity web page. For additional information regarding the use and limitations of Credit Rating opinions, please view Guide to Best's Credit Ratings. For information on the proper use of Best's Credit Ratings, Best's Performance Assessments, Best's Preliminary Credit Assessments and AM Best press releases, please view Guide to Proper Use of Best's Ratings & Assessments.
Yahoo
2 hours ago
- Yahoo
Filecoin Rises 3.6% After Establishing Support Zone Around $2.68
Filecoin FIL has established a higher trading range amid significant market volatility, with multiple price bounces confirming support levels around $2.68-$2.69, according to CoinDesk Research's technical analysis model. The token is currently 3.6% higher over 24 hours, trading around $2.755. The price action comes as ether ETH whales return to the market, potentially signaling the start of renewed interest in alternative cryptocurrencies. The broader market gauge, the CoinDesk 20, was 0.8% higher at publication time. Technical Analysis: FIL-USD demonstrated resilient price action over the 24-hour period, establishing a trading range of 2.642-2.735 (3.52% range). Notable support at 2.680-2.690 confirmed by multiple bounces. The 12:00 hour marked a pivotal moment with exceptional volume (4.12M), more than double the period average. Bullish momentum maintained through subsequent hours, with price consolidating above 2.710. In the last hour, FIL-USD exhibited notable volatility with a significant price swing, reaching a peak of 2.735 at 13:28 before dropping to 2.713 by 13:32. The slip coincided with the highest volume spike of the period (104,483 units), suggesting strong selling pressure at resistance levels. Asset has since established a consolidation pattern between 2.718-2.722, with multiple tests of support around 2.718 showing buyer interest. Sign in to access your portfolio
Yahoo
2 hours ago
- Yahoo
ATOM Finds Support at $4.50 as Ethereum Whales Signal Potential Altcoin Season
The Cosmos ecosystem token has established key support levels around $4.50 as traders navigate the complex interplay between traditional finance concerns and digital asset opportunities. Ethereum whales have doubled their transaction activity in 24 hours, with large transaction volumes surging 164.14% to $7.84 billion, potentially signaling the start of an altcoin season, of which ATOM would benefit. ATOM-USD experienced a volatile trading session with a 3.5% range, showing strong volume support at the $4.502 level where buyers stepped in with 1.63M volume. Technical Analysis Breakdown ATOM-USD exhibited a notable trading range of 0.157 (3.5%) over the 24-hour period, with price action characterized by an initial uptrend reaching a peak of 4.619 before experiencing a sharp correction to 4.498. Strong volume support emerged at the 4.502 level during the 12:00 hour, where buyers stepped in with 1.63M volume (significantly above the 24-hour SMA), propelling prices back above 4.560. The formation of a higher low at 4.522 following the correction suggests potential bullish momentum building, though resistance around 4.600 remains a key level to monitor for potential breakout opportunities. In the last hour, ATOM-USD demonstrated notable volatility with a clear uptrend followed by a sharp correction. Price action began at 4.556 and climbed steadily to reach a peak of 4.589 at 13:27, representing a 0.7% gain within 22 minutes. This rally was supported by increasing volume, particularly at 13:17 where volume spiked to 77,531 units. A significant reversal occurred at 13:31, with prices dropping 2.1% to 4.556 by 13:57, forming a key support level that buyers defended. The final minutes showed modest recovery with prices consolidating around 4.564, suggesting potential stabilization after the volatile session. Sign in to access your portfolio