RBI-Certified Gateways for Safe Online Transactions
This blog explores the best RBI-certified payment gateways for Indian businesses, along with their features, pricing, and benefits.
The Reserve Bank of India (RBI) is the regulatory authority overseeing all payment systems in the country. A payment gateway that is 'RBI-certified' or 'RBI-authorized' adheres to the guidelines under: Payment and Settlement Systems Act
Know Your Customer (KYC) guidelines
Data localization mandates
PCI-DSS compliance
Choosing an RBI-compliant gateway ensures your business operates within legal boundaries while maintaining high levels of security and transparency. Regulatory Compliance: Avoid penalties and legal risks by meeting Indian fintech standards. Data Security: Protect customer card and banking information with advanced encryption and fraud detection. Global and Domestic Coverage: Ensure compatibility with Indian payment systems like UPI, RuPay, and international cards. Trust and Credibility: Customers are more likely to transact when they see familiar and secure payment options.
Overview: Razorpay is a leading full-stack financial solutions provider in India, trusted by over 10 lakh businesses.
Key Features: Supports UPI, cards, net banking, EMI, and wallets
Instant activation and API integration
Smart payment routing and retry options
Supports recurring billing
Pricing: 2% per transaction for domestic payments
Additional fees for international and American Express cards
RBI Compliance: Licensed as a Payment Aggregator under RBI guidelines
Overview: A product by Paytm, one of India's largest digital payment platforms.
Key Features: Accepts UPI, cards, wallets, net banking
Instant refunds and dynamic QR codes
High transaction success rate
Developer-friendly API
Pricing: ~1.75% per transaction (varies by payment method)
RBI Compliance: Operates under RBI's Payment Aggregator license
Follows strict data localization norms
Overview: Cashfree is known for its quick onboarding and seamless API experience.
Key Features: Offers 120+ payment options including UPI AutoPay
Payouts, subscriptions, and split payments available
Easy-to-integrate SDKs
Pricing: UPI: Free or low-cost
Cards and Net Banking: ~1.9% per transaction
RBI Compliance: Licensed as a Payment Aggregator
RBI-approved nodal account operations
Overview: A veteran in the Indian payment space, widely used by enterprises and SMEs.
Key Features: Multilingual checkout pages
Smart analytics dashboard
200+ payment options
Mobile-friendly checkout
Pricing: Starts at 2% per transaction
Custom pricing for large volumes
RBI Compliance: Operates under RBI norms and PA licensing
Strong focus on PCI-DSS and encryption standards
Overview: A trusted payment aggregator used by top brands like Netflix, Airbnb, and Myntra.
Key Features: Offers Smart Routing and One Tap payments
Advanced fraud detection
Subscription billing supported
Pricing: ~2% for cards and wallets
Custom pricing for enterprises
RBI Compliance: Certified under RBI's Payment Aggregator guidelines
Overview: Great for startups and solo entrepreneurs with simple setup and no-code tools.
Key Features: Zero maintenance cost
UPI and card support
Instant payout options
Mobile and web plugins available
Pricing: Flat 2% + ₹3 per transaction
RBI Compliance: Operates as a PA under RBI norms
Here are factors to consider: Criteria Considerations Pricing Look beyond per-transaction fees. Evaluate hidden charges, setup fees, etc. Payment Modes Supported Ensure support for UPI, cards, net banking, wallets, EMI, etc. Integration Ease Go for gateways that offer APIs, plugins, and SDKs compatible with your tech stack Customer Support 24/7 support is crucial for uninterrupted business operations Payout Speed Faster settlements can boost your cash flow Security & Compliance PCI-DSS, SSL, tokenization, and KYC adherence are must-haves
Using an RBI-certified payment gateway is not just a best practice—it's a necessity. With increasing regulatory scrutiny and customer expectations for data privacy and smooth transactions, Indian businesses must opt for gateways that comply with RBI norms.
Whether you're a startup, SME, or enterprise, platforms like Razorpay, Paytm, Cashfree, and PayU offer secure, scalable, and cost-effective solutions tailored to your needs.
Looking to integrate a payment gateway for your business?
Partner with an experienced tech team like Infowind Technologies to seamlessly implement secure payment systems aligned with RBI standards.
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