Top 10 Payment Gateway Integrations for Indian Businesses (UPI, Razorpay, CCAvenue)
For Indian businesses, accepting online payments is no longer an optional feature—it is a fundamental part of running a successful digital business. Whether we operate an eCommerce store, educational platform, SaaS business, service company, marketplace, mobile application, or professional consultancy, the right payment gateway can make the difference between a completed transaction and an abandoned checkout.
India’s payment ecosystem has evolved rapidly, with UPI becoming one of the most important payment methods for online businesses. In July 2026 alone, India’s UPI ecosystem processed approximately 24 billion monthly transactions, demonstrating how deeply digital payments have become embedded in everyday commerce.
For businesses building or redesigning their websites, the challenge is therefore not simply finding a payment gateway. We need to select a solution that offers UPI, cards, net banking, wallets, EMI options, recurring payments, refunds, fraud protection, reliable settlements, APIs, plugins, and an easy checkout experience.
Below, we compare the 10 leading payment gateway integrations for Indian businesses, including Razorpay, CCAvenue, Cashfree, PayU, PhonePe and other strong alternatives.
What Is a Payment Gateway?
A payment gateway is a technology platform that enables a business to accept online payments from customers.
When a customer purchases a product or service through our website or mobile application, the payment gateway securely connects the checkout interface with the relevant payment networks, banks and payment systems. It facilitates authorization and provides the business with confirmation of the transaction.
Depending on the provider, customers can pay using:
- UPI
- Credit cards
- Debit cards
- Net banking
- Digital wallets
- RuPay
- EMI
- Buy Now, Pay Later
- QR codes
- Payment links
- Recurring payment methods
- International cards and currencies
For Indian businesses, UPI integration should be one of the first considerations when selecting a payment gateway.
Top 10 Payment Gateway Integrations in India
Razorpay is a dominant full-stack financial platform built primarily for the Indian e-commerce and digital business landscape. It provides comprehensive payment collection methods including Unified Payments Interface (UPI), credit/debit cards, net banking, and instant bank payouts via developer-friendly APIs.
1. Razorpay-Best All-Round Payment Gateway for Indian Businesses
Razorpay is a dominant full-stack financial platform built primarily for the Indian e-commerce and digital business landscape. It provides comprehensive payment collection methods including Unified Payments Interface (UPI), credit/debit cards, net banking, and instant bank payouts via developer-friendly APIs.
- Native UPI & UPI AutoPay: Optimized flows for instant one-click and recurring UPI payments.
- Razorpay Magic Checkout: Automated shipping details auto-fill to reduce cart abandonment rates.
- Instant refunds engine: Immediate customer refund processing directly to source accounts.
- Payment Links & Pages: No-code solutions to accept payments via SMS, email, or social media platforms.
- RazorpayX banking suite: Integrated business banking infrastructure for vendor payouts and payroll.
- Comprehensive EMI support: Native integration with card-based and cardless EMI financing options
Key Features
- UPI payment integration
- Card payments
- Net banking
- Payment Links
- Payment Pages
- Payment Buttons
- QR payments
- Recurring payments
- APIs and SDKs
- Mobile application integration
- Refund management
- Payment analytics
- International payment capabilities
Razorpay is particularly suitable for businesses that want a developer-friendly payment gateway with a broad product ecosystem.
2. Cashfree Payments – Excellent for UPI, Checkout and Fast Integration
Cashfree Payments is an enterprise-focused payment gateway and banking platform designed for fast-growing businesses operating in emerging markets. It excels in offering both robust payment collection tools and high-velocity automated payout infrastructure for marketplaces, gig platforms, and lending services.
- Cashfree Payouts engine: High-speed bulk payout API for instantly transferring funds 24/7.
- Marketplace Split Settlements: Automated split of customer payments between vendor and platform fees.
- Preauthorization & verification: Verification tools for bank accounts, UPI IDs, and tax identifiers.
- Subcription billing suite: Automated recurring payment collections via eNACH, UPI AutoPay, and cards.
- Cashgram instant payout links: No-code links enabling businesses to send refunds or rewards instantly.
- Low-latency transaction infrastructure: High-concurrency architecture built to withstand traffic surges.
Key Features
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Secure Online Payments
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Multiple Payment Options
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Fast Transaction Processing
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Easy Website Integration
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Real-Time Payment Updates
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Simple Checkout Process
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Transaction Management
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Instant Payment Notifications
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Refund Management
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Merchant Dashboard
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E-commerce Integration
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Payment Reconciliation
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Customer Support
3. CCAvenue – Strong Choice for Businesses Requiring Broad Payment Coverage
CCAvenue is one of India’s established payment gateway providers and remains a strong option for businesses that need extensive payment-method and currency support. CCAvenue currently lists 200+ payment modes, including credit cards, debit cards, net banking, UPI, prepaid instruments and bank EMI options. It also supports multiple currencies for international transactions.
- Real-time performance switching: Reroutes traffic instantly to active acquiring banks.
- Downtime prevention: Bypasses bank server outages automatically.
- Success rate optimization: Keeps transaction authorization rates consistently high.
- Multi-bank network: Operates across multiple acquiring bank relationships simultaneously.
- Smart Retry System: Prompts customers to retry failed attempts without re-entering details.
- Live traffic monitoring: Constantly analyzes gateway health and transaction speed.
Key Features
- UPI payments
- Credit and debit cards
- Net banking
- EMI
- Multiple currencies
- International payments
- Mobile-friendly checkout
- iFrame integration
- Transaction notifications
- Payment analytics
- Refund capabilities
4. PayU – Powerful Payment Gateway for Growing Businesses
Discover PayU payment gateway features, including UPI, credit and debit cards, net banking, digital wallets, payment links, recurring payments, and secure online payment solutions for businesses in India. PayU helps businesses simplify payment processing, improve checkout experiences, and manage online transactions with flexible payment solutions and seamless integrations.
- Real-time performance switching: Reroutes traffic instantly to active acquiring banks.
- Downtime prevention: Bypasses bank server outages automatically.
- Success rate optimization: Keeps transaction authorization rates consistently high.
- Multi-bank network: Operates across multiple acquiring bank relationships simultaneously.
- Smart Retry System: Prompts customers to retry failed attempts without re-entering details.
- Live traffic monitoring: Constantly analyzes gateway health and transaction speed.
Key Features
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Multiple Payment Options
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UPI, Credit & Debit Cards
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Net Banking Support
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Digital Wallet Payments
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Secure Transactions
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Fast Payment Processing
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Easy Website Integration
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Payment Links
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Recurring Payments
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Instant Payment Notifications
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Refund Management
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Real-Time Transaction Tracking
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Detailed Reports & Analytics
5. PhonePe Payment Gateway – Excellent for UPI-Heavy Businesses
PhonePe Payment Gateway is particularly attractive for businesses where UPI represents a significant share of transactions.PhonePe Payment Gateway provides UPI, credit and debit cards, net banking and other payment methods. It also provides developer APIs, SDKs, plugins, payment links, dynamic QR, AutoPay and checkout optimization features
- Real-time instrument health tracking: Detects network degradation or bank server downtime instantly.
- Automated failover routing: Redirects transactions away from failing acquiring channels in milliseconds.
- Smart automated retries: Prompts customers to complete payments through secondary routes without re-entering transaction details.
- Peak load stability: Engineered to handle massive traffic spikes during festival sales events.
- BIN-level intelligence: Routes transactions based on card issuer performance history and card network load.
- Latency optimization: Chooses low-latency banking links to shorten checkout time.
Key Features
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UPI payment integration
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Credit and debit card payments
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Net banking
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Wallet payments
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Payment Links
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QR code payments
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Payment Pages
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Payment Buttons
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Recurring payments
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APIs and SDKs
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Mobile application integration
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Refund management
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Payment analytics
PhonePe Payment Gateway is particularly attractive for businesses where UPI represents a significant share of transactions.
PhonePe Payment Gateway provides UPI, credit and debit cards, net banking and other payment methods. It also provides developer APIs, SDKs, plugins, payment links, dynamic QR, AutoPay and checkout optimization features.
6. BillDesk – Established Payment Infrastructure for Indian Businesses
BillDesk is one of the established names in India’s online payments industry. BillDesk has historically been used across sectors such as financial services, utilities, education, insurance, government-related payments and eCommerce. Its suitability is strongest where businesses require a mature payment infrastructure and support for multiple Indian payment channels.
- Extensive BBPS Integration: Seamless connection with Bharat Bill Payment System for automated utility and recurring bill collections.
- Enterprise Payment Gateway: Highly reliable infrastructure capable of handling high-volume online transaction traffic safely.
- Automated Recurring Mandates: Support for e-NACH, Standing Instructions (SI), and auto-debit across major banks.
- Instant Payment Links: No-code links and customized payment pages to collect dues via SMS, WhatsApp, or email.
- Multi-Channel Settlements: Robust engine designed for timely split payments, merchant payouts, and financial reconciliations.
- Comprehensive EMI & Card Options: Direct tie-ups with major Indian banks for debit/credit card EMI and internet banking processing
Key Features
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UPI payment integration
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Credit and debit card payments
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Net banking
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Wallet payments
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Recurring payments
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Payment Links
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QR code payments
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Multiple payment options
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APIs and SDKs
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Website and mobile app integration
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Automated payment processing
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Refund management
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Transaction reporting and analytics
For larger organizations, the evaluation should focus on integration capabilities, settlement arrangements, reporting, transaction reliability and enterprise support rather than simply advertised transaction fees.
7. Easebuzz – Useful Payment Solution for SMEs and Service Businesses
Easebuzz is a full-stack digital payment platform in India that offers 150+ payment modes, including UPI, cards, net banking, and BNPL. Designed to boost business growth, it provides developer-friendly APIs, high success rates, and integrated financial software for automated billing and payouts.
- ull-Stack Payment Gateway: Complete API suite to accept 150+ payment modes, including UPI, cards, net banking, and BNPL.
- Sector-Specific Solutions (FeesBuzz & Forms): Tailored digital tools for educational institutes and businesses to collect fees, subscriptions, and online registrations.
- Automated Recurring Collections (EasyCollect): Smart recurring billing engine supporting e-NACH, UPI AutoPay, and subscription management.
- Split Settlements & Marketplace Payouts (Slices): Automated multi-vendor split payment system for seamless marketplace commissions and payouts.
- Connected Banking & Vendor Disbursals (Easebuzz Neo): Integrated corporate banking APIs for instant vendor payments, payroll disbursals, and tax calculations.
- No-Code Instant Payment Links: Quick sharing of customizable payment links and QR codes via WhatsApp, SMS, and social media channels.
Key Features
UPI payment integration
Credit and debit card payments
Net banking
Wallet payments
Recurring payments
Payment Links
QR code payments
Multiple payment options
APIs and SDKs
Website and mobile app integration
Automated payment processing
Refund management
Transaction reporting and analytics
For enterprise organizations, the evaluation should prioritize system integration, settlement speed, robust reporting, transaction uptime, and dedicated support over baseline transaction pricing
8. Juspay – Strong Option for Advanced Payment Orchestration
Juspay is a leading fintech platform and payment orchestration layer designed for enterprise-scale businesses. Rather than operating solely as a single payment gateway, Juspay connects merchants with multiple payment gateways (PGs), payment aggregators (PAs), banks, and payment methods through a unified API infrastructure.
- Higher Transaction Success Rates: Dynamic smart routing automatically redirects payments to the best-performing gateway.
- Faster One-Click Checkouts: HyperCheckout provides smooth inline OTP and tokenization to boost conversions.
- Reduced Payment Processing Costs: Least-cost routing engine dynamically selects processors with the lowest fees.
- Seamless Multi-Gateway Management: A single API integration connects businesses to hundreds of payment partners.
- Automated Downtime Recovery: Fallback mechanisms automatically retry failed transactions during payment gateway outages.
- Simplified Financial Reconciliation: Unified analytics dashboard automates real-time tracking across banks and processors.
Key Features
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Smart Payment Orchestration: Dynamic routing automatically directs payments to maximize success rates.
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HyperCheckout Experience: Native 1-click checkout with inline OTP for faster conversions.
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No-Code Offers Engine: Flexible tool to easily manage instant bank discounts and EMIs.
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Automated Failure Recovery: Smart retry rules automatically recover transactions during gateway downtime.
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UPI & Recurring Mandates: Comprehensive suite supporting instant UPI intent and e-NACH auto-debits.
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Automated 3-Way Reconciliation: Unified analytics dashboard for real-time tracking across multiple payment partners.
Juspay is best for high-volume e-commerce platforms, large enterprise marketplaces, subscription-based businesses, travel and hospitality brands, and apps running frequent bank promotions that require dynamic payment routing, frictionless 1-click checkouts, automated downtime recovery, and multi-gateway management to maximize conversion rates and reduce processing costs.
9. Instamojo – Convenient for Small Businesses and Individual Sellers
Instamojo is a leading all-in-one D2C e-commerce platform and payment gateway designed for Indian MSMEs, digital creators, and small businesses. It enables merchants to accept online payments effortlessly and launch online storefronts without writing code.
- Quick No-Code Setup: Start collecting payments and selling products online instantly with zero developer experience.
- All-In-One Platform: Integrates an e-commerce store, payment gateway, shipping, and marketing tools under one dashboard.
- Seamless Social Commerce: Shareable Smart Links allow hassle-free selling across WhatsApp, Instagram, and Facebook.
- Automated Digital Goods Fulfillment: Automatically delivers downloadable files to buyers immediately upon successful payment confirmation.
- Transparent Transaction Pricing: Simple pay-as-you-grow pricing model without maintenance charges or setup costs.
- High Payment Success Rates: PCI-DSS certified gateway with smart retries ensuring secure, high-conversion checkouts.
Key Features
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Instant Online Store Builder: Create a custom e-commerce store with themes, domain support, and inventory management.
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Smart Payment Links & Buttons: No-code payment links and embeddable buttons to collect payments via WhatsApp and social media.
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100+ Multi-Mode Payment Gateway: Accepts UPI, credit/debit cards, net banking, EMI, and digital wallets.
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Digital Product Automated Delivery: Built-in delivery engine for selling e-books, online courses, templates, and digital downloads.
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Flexible Payout Options: Supports instant, same-day, and scheduled bank payouts to optimize business cash flow.
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Integrated Business & Shipping Tools: Built-in shipping solutions (mojoXpress), automated GST invoicing, and CRM integrations.
Instamojo is best for Indian MSMEs, D2C brands, freelancers, educators, and content creators looking for an easy, no-code solution to sell physical products, digital files, and courses online while instantly accepting multi-mode payments.
10. Paytm Payment Gateway – Recognizable Option for Digital Commerce
Paytm Payment Gateway is one of India’s most trusted and widely adopted digital payment processing platforms. Built to support businesses of all sizes—from startups to enterprise brands—it delivers industry-leading checkout conversion rates, robust developer APIs, and deep integration with the Paytm ecosystem.
- Industry-Leading Conversion Rates: Optimized, lightweight checkout flows minimize drop-offs and deliver higher payment success rates.
- Leverages Paytm Wallet Reach: Instant access to millions of active Paytm Wallet users for frictionless, tokenized checkouts.
- Instant Bank Settlements: Same-day and instant payout options ensure continuous liquidity and better cash flow management.
- Developer-Friendly Integration: Easy-to-deploy SDKs, REST APIs, and pre-built plugins for popular platforms like WordPress, Shopify, and Magento.
- Enterprise-Grade Security: PCI-DSS Level 1 compliant infrastructure backed by real-time fraud detection and risk prevention tools.
- Transparent Analytics Dashboard: Real-time transaction insights, automated reconciliation, and comprehensive settlement reports under one interface.
Key Features
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Native UPI & UPI AutoPay: High-performing, 1-click UPI checkout flows supporting dynamic QR codes and recurring auto-debits.
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100+ Supported Payment Modes: Accepts Paytm Wallet, UPI, credit/debit cards, net banking, Paytm Postpaid, and EMI options.
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Instant Refunds Engine: Immediate automated refund processing sent directly back to the customer’s source account.
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No-Code Payment Links & Pages: Custom payment links and hosted pages to collect payments via WhatsApp, SMS, or social media.
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Flexible Payouts & Settlements: Automated payout solutions for vendor disbursements, instant bank settlements, and multi-split processing.
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Comprehensive Subscription Management: Complete support for recurring billing via e-NACH, Standing Instructions (SI), and auto-debit mandates.
Paytm Payment Gateway is best for e-commerce brands, D2C merchants, mobile app developers, subscription services, and enterprise platforms seeking a highly reliable payment gateway with high UPI success rates, instant wallet integration, and flexible settlement schedules.
Payment Gateway Comparison for Indian Businesses
| Payment Gateway | UPI | Cards | Net Banking | Payment Links | International Payments | Best For |
|---|---|---|---|---|---|---|
| Razorpay | Yes | Yes | Yes | Yes | Yes | Startups & all-round businesses |
| Cashfree | Yes | Yes | Yes | Yes | Yes | eCommerce & high-growth businesses |
| CCAvenue | Yes | Yes | Yes | Yes | Yes | International & established businesses |
| PayU | Yes | Yes | Yes | Yes | Yes | Enterprises & eCommerce |
| PhonePe PG | Yes | Yes | Yes | Yes | Available solutions | UPI-heavy businesses |
| BillDesk | Yes | Yes | Yes | Depends on product | Depends on product | Enterprise & institutional payments |
| Easebuzz | Yes | Yes | Yes | Yes | Depends on product | SMEs & service businesses |
| Juspay | Yes | Yes | Yes | Depends on integration | Depends on setup | High-scale digital businesses |
| Instamojo | Yes | Yes | Yes | Yes | Limited/varies | Freelancers & small businesses |
| Paytm | Yes | Yes | Yes | Available solutions | Depends on product | Digital commerce |
Features, pricing, eligibility and payment methods can change. We should verify the latest commercial and technical details with the provider before integration.
How to Choose the Best Payment Gateway for an Indian Business
Choosing a payment gateway based only on its transaction fee can be a mistake. We should evaluate the complete payment experience.
1. UPI Support
UPI should be one of our highest priorities.
We should check whether the gateway supports the latest UPI flows, including UPI Intent and QR-based payments, rather than relying on outdated integration methods.
This is particularly important because payment regulations and technical standards continue to evolve. Razorpay, for example, documents the transition away from UPI Collect for most use cases from February 2026.
2. Payment Success Rate
A low-cost payment gateway is not necessarily the cheapest solution if customers frequently experience failed transactions.
We should evaluate:
- UPI success rates
- Card success rates
- Bank downtime handling
- Automatic retries
- Smart routing
- Payment recovery
- Failure notifications
Higher payment success can directly contribute to higher revenue.
3. Integration Options
Developers should check whether the gateway offers:
- REST APIs
- SDKs
- JavaScript integration
- Android SDK
- iOS SDK
- PHP support
- Node.js support
- Python support
- WooCommerce plugins
- Shopify integration
- WordPress compatibility
For example, Cashfree provides integrations across platforms including Shopify, WooCommerce, Wix, WordPress and Magento.
4. Payment Gateway Charges
Pricing is important, but we should compare the complete fee structure, not just the advertised percentage.
We should check:
- UPI charges
- Domestic card charges
- International card charges
- Setup fees
- Annual fees
- Refund charges
- Chargeback fees
- Settlement fees
- Currency conversion charges
- Minimum transaction requirements
Promotional pricing can also have eligibility requirements or expiry dates, so current terms should always be checked.
5. Settlement Speed
Cash flow matters enormously for small businesses.
A gateway should therefore be evaluated according to:
Transaction → Processing → Settlement → Bank Account
We should compare standard settlement cycles, instant settlement availability, weekend/holiday settlements and additional settlement charges.
Payment Gateway Integration for WordPress Websites
WordPress and WooCommerce websites have made payment integration significantly easier.
Depending on the provider, we can use:
- Official WooCommerce plugins
- WordPress plugins
- Payment buttons
- Hosted checkout
- API integration
- Payment links
- Embedded checkout
For a small WooCommerce store, an official plugin or hosted checkout is usually easier to maintain than developing a payment system completely from scratch.
For a custom website, however, APIs can provide greater control over the payment experience.
Payment Gateway Integration for Educational Websites
Payment gateways are especially useful for online education businesses.
An education website may need to collect:
- Course fees
- Admission fees
- Application fees
- Registration fees
- Certification fees
- Consultation charges
- Subscription payments
- Examination fees
For an online education platform, we should look for UPI, cards, payment links, automatic payment confirmation, refunds and transaction reporting.
A payment gateway can also be integrated with a learning management system so that successful payment automatically triggers course enrollment.
UPI vs Payment Gateway: What Is the Difference?
UPI is a payment infrastructure and payment method, while a payment gateway is a broader technology service that helps businesses accept multiple digital payment methods.
For example, a payment gateway may allow customers to pay using:
UPI + Credit Card + Debit Card + Net Banking + Wallet + EMI
This gives customers flexibility and can reduce checkout abandonment.
A business should therefore avoid thinking of UPI and payment gateways as competing technologies. UPI can be one of the most important payment methods offered through a payment gateway.
What Makes a Good Payment Gateway Integration?
A successful integration should be:
Fast
The checkout should load quickly, particularly on mobile devices.
Secure
Payment information must be processed using appropriate security and compliance mechanisms.
Mobile-Friendly
Since UPI transactions are heavily mobile-oriented, mobile checkout optimization is essential.
Reliable
The gateway should have mechanisms for handling bank or payment-method downtime.
Developer-Friendly
Clear APIs, SDKs, documentation and testing environments can significantly reduce development time.
Easy to Reconcile
Businesses need accurate transaction reports, settlement reports and refund information.
Which Payment Gateway Is Best for Indian Businesses?
There is no single gateway that is ideal for every business.
For an all-round payment solution, Razorpay is a strong candidate because of its broad payment ecosystem and developer-focused tools.
For businesses prioritizing UPI, checkout performance and multiple payment integrations, Cashfree is worth serious consideration.
For businesses requiring extensive payment-method and international currency support, CCAvenue remains a compelling option.
For businesses looking for a broad enterprise payment ecosystem, PayU can be considered.
For businesses where UPI is the dominant payment method, PhonePe Payment Gateway is another strong option.
The best selection ultimately depends on our transaction volume, business model, customer location, payment methods, technical requirements, settlement needs and budget.
Final Thoughts
The Indian digital payment ecosystem has become highly competitive, giving businesses more choices than ever before. From Razorpay and Cashfree to CCAvenue, PayU and PhonePe, today’s payment gateways offer much more than basic transaction processing.
A modern payment integration should provide a fast checkout, strong UPI support, multiple payment methods, reliable transaction processing, secure APIs, useful reporting, flexible settlements and an excellent customer experience.
For small businesses, simplicity and transparent pricing may be the biggest priorities. For growing eCommerce businesses, payment success rates and checkout optimization can become more important. For large enterprises, payment orchestration, reliability, scalability and advanced integrations may matter most.
Before choosing a provider, we should compare the latest pricing, UPI capabilities, supported payment methods, settlement terms, API documentation, security requirements, refund policies and merchant eligibility directly with each payment gateway.
The right payment gateway is ultimately the one that allows our customers to pay quickly, securely and conveniently while giving our business the infrastructure needed to scale.
Frequently Asked Questions
Which is the best payment gateway in India?
Razorpay, Cashfree, PayU, CCAvenue and PhonePe Payment Gateway are among the leading options we can evaluate. The best choice depends on our business model, transaction volume, payment requirements and integration needs.
Which payment gateway is best for UPI?
For UPI-focused businesses, we can evaluate Razorpay, Cashfree, PayU and PhonePe Payment Gateway. We should compare current UPI flows, success rates, pricing and integration options before choosing.
Can we integrate a payment gateway with WordPress?
Yes. Many payment gateways provide WordPress or WooCommerce plugins, while others can be integrated using APIs or payment buttons.
Can a payment gateway accept international payments?
Several providers support international payments, although availability depends on merchant eligibility, payment method, currency and business category. CCAvenue and Razorpay, for example, offer international payment capabilities.
Is UPI enough for an eCommerce website?
UPI is extremely important in India, but offering multiple payment methods is generally preferable. Customers may want to use credit cards, debit cards, net banking, EMI or other options.
Do payment gateways charge transaction fees?
Most payment gateways have commercial charges that depend on payment method, transaction type, merchant category, volume and applicable offers. We should always check the provider’s current pricing rather than relying on outdated fee tables.
Can we accept payments without building a complete website?
Yes. Several payment providers offer payment links and payment pages, allowing businesses to collect money through shareable links. Razorpay and Cashfree, for example, provide payment-link solutions.
Which payment gateway is suitable for a small business?
Small businesses can consider Razorpay, Cashfree, Instamojo, Easebuzz and similar providers. The ideal choice depends on transaction volume, pricing, required payment methods and technical capabilities.
Which payment gateway is best for an online course website?
For online education businesses, we should prioritize UPI, cards, payment links, refunds, payment confirmation, recurring payments and easy integration with WordPress or an LMS. Razorpay, Cashfree, PayU and PhonePe can all be evaluated for this use case.
What should we check before integrating a payment gateway?
We should check pricing, UPI support, payment success rates, settlement cycle, refund process, API documentation, plugins, security requirements, international payment support, customer support and scalability before making the final decision.