Credit Card Payment Gateway Fee & Charges in India by Ozg Ecommerce Consultant


Credit Card Payment Gateways in India have multiplied in the last couple of years providing e-commerce website owners a range of rates, fees and options to choose from. In a cost conscious country like India ultimately the rates are the key.

Higher Upfront fees and lower per transaction percentage or vice versa
Most providers have an upfront component on signup which might include a deposit amount (like ICICI bank) and a percentage per each transaction cost. Eg. Rs. 30,000/- Upfront cost and 5% of each transaction. 

Some gateways like Paypal don’t charge any upfront cost and their percentage is also low but they do charge an amount for withdrawal of money.

Should you go for a higher upfront payment and lower percentage or a lower upfront payment and higher percentage?

If your transaction volume is going to be very high then a lower percentage might save you a lot of money in the long term although upfront payment would be higher.


Note: The following data has been taken from website of Payment Gateway (PG) providers either first party or second party. It could be vary as per the current market price. The most of PG companies listed below are the business partner of Ozg Payment Gateway Consultant - www.paymentgatewayconsultant.com. You may order their services through Ozg.

Ozg Payment Gateway Consultant
Ozg Center, New Delhi / Mumbai, INDIA
Contact # 0091-9811415701-06-10-74-92-97
Email: india@paymentgatewayconsultant.com

CCAvenue

The CCavenue is considered one of the best and most popular payment gateway for India. Many of the Indian e-commerce based websites prefer this payment gateway of transaction in India Rupees as well as accepting credit cards with foreign currencies. All Major International and Indian Credit Cards are processed by CCAvenue. The solution is powered by proprietary technology that integrates transaction-processing, advance shopping cart, auction payment collection facility, fraud control, financial reporting and order tracking. CCAvenue is the complete PG solution that has the unique ability to offer the full spectrum of Internet payment options – Credit Cards, Debit Cards, Direct Debits, Mobile Payments and Cash Cards.

Product / Plans
Upfront Fees
Annual Software Maintenance Cost
Transaction costs (Credit / Debit Cards)
Privilege Scheme
Rs. 40,000/-
Rs. 3,600/-
3.00%
Premium Scheme
Rs. 25,000/-
Rs. 2,400/-
5.00%
Economy Scheme
Rs. 7,500/-
Rs. 1,200/-
7.00%

Ozg Payment Gateway Consultant
Ozg Center, New Delhi / Mumbai, INDIA
Contact # 0091-9811415701-06-10-74-92-97
Email: india@paymentgatewayconsultant.com

EBS

E-Billing Solutions is a pioneer to associate with multiple acquiring Banks for providing Payment Gateway services to offer Master, Visa, Diners, Netbanking & Cash Card brands on a single platform. EBS Gateway gives the ability to small & medium size merchants to test the E-commerce waters & help them to get accustomed to the procedural business part of E-commerce. Small & medium sized companies can go online by using EBS payment Gateway. EBS accepts Visa, Master & Diners Card along with Net banking of Axis Bank, Citi Bank, HDFC Bank and J&K Bank. It also accepts payments through Itz Cash Card and a wide range of debit cards. EBS has provided detailed information o their website about how the entire online ecommerce transaction takes place and how EBS handles the transactions.

Product / Plans
Upfront Fees
Annual Software Maintenance Cost
Transaction costs (Credit / Debit Cards)
Starter
Rs. 6000 /-
Rs. 2400 /-
6.00%
Regular
Rs. 12,000 /-
Rs. 2400 /-
5.00%
Silver
Rs. 18,000 /-
Rs. 2400 /-
4.00%
Gold
Rs. 24,000 /-
Rs. 2400 /-
3.75%
Platinum
Rs. 30,000 /-
Rs. 2400 /-
3.25%

Ozg Payment Gateway Consultant
Ozg Center, New Delhi / Mumbai, INDIA
Contact # 0091-9811415701-06-10-74-92-97
Email: india@paymentgatewayconsultant.com

DirecPay

It offers merchants with wide range of payment acceptance modes and that too at affordable prices. Payments are accepted by cards & net banking. The DirecPay Payment Gateway is a secure Internet bridge between merchant businesses and the credit card and electronic check payment processing networks. It offers merchants with cost effective solutions, a wide range of payment acceptance modes and secure technology platforms.

Product / Plans
Upfront Fees
Annual Software Maintenance Cost
Transaction costs (Credit / Debit Cards)
-
Rs. 10000 /-
Rs. 2400 /-
6.00%

HDFC Bank

HDFC Bank Payment Gateway provides a single platform to support multiple payment technologies. HDFC Bank Payment Gateway enables the merchants to stay abreast of rapidly changing payment technology; it incorporates a hosted payment page that provides a common interface with the merchant web site, regardless of which secure payment protocol is used. HDFC Bank Payment Gateway also provides secure browser-based access for real time transaction monitoring and reports download.

Product / Plans
Upfront Fees
Annual Software Maintenance Cost
Transaction costs (Credit / Debit Cards)
-
Rs. 50000 /-
Rs. 12000/-
3.50 – 6.00%

Ozg Payment Gateway Consultant
Ozg Center, New Delhi / Mumbai, INDIA
Contact # 0091-9811415701-06-10-74-92-97
Email: india@paymentgatewayconsultant.com

IndiaPay

IndiaPay accept all major credit cards, including Visa, MasterCard, American Express, Discover, Diner’s Club, and JCB via IndiaPay software. Getting started processing transactions through the IndiaPay payment gateway is easy. Their site will provide you with a description of the different processing options you have, and guide you through the steps to getting up and running quickly. IndiaPay Payment Platform is built to process Online, Retail, MOTO and Mobile/IVR payments on a solid frame work connecting with more than 25 authorization networks and more than 60 banks as well as financial institutions around the world, comes with a powerful & easy to use intuitive admin panel as well as world class support which allows for tremendous control over your payment transactions quickly and easily.

Product / Plans
Upfront Fees
Annual Software Maintenance Cost
Transaction costs (Credit / Debit Cards)
INDIA SILVER
Rs. 6000 /-
Rs. 3600 /-
5.00% + Rs. 3/-
INDIA GOLD
Rs. 10,000 /-
Rs. 3600 /-
3.50% + Rs. 3/-
INTL SILVER
$ 1000 /-

On Risk
INTL GOLD
$ 1800 /-

On Risk

TrillionPay (Transecute)

Transecute accept Visa / Master via Transecute Software. Get your own third party indian payment gateway account, Accept visa/master credit cards online, Free fraud detection and risk mitigation reports, Low chargebacks, Low transaction processing fees. Transecute also provides daily comprehensive Risk Reports.

Product / Plans
Upfront Fees
Annual Software Maintenance Cost
Transaction costs (Credit / Debit Cards)

NIL

5% Per Transaction

Ozg Payment Gateway Consultant
Ozg Center, New Delhi / Mumbai, INDIA
Contact # 0091-9811415701-06-10-74-92-97
Email: india@paymentgatewayconsultant.com

Epaymentsglobal

The service including online payments, credit cards, money transfer is very transparent and incorporates the most advanced control panel to monitor and control each of your payments transaction. This service is only available to merchants of India. It’s payment processing system allow the merchants to authorize, settle and manage credit card transactions anytime, anywhere.

Product / Plans
Upfront Fees
Annual Software Maintenance Cost
Transaction costs (Credit / Debit Cards)
Azaadi 1
Rs. 45000/-
Rs. 4500/-
3.50%
Azaadi 2
Rs. 27000/-
Rs. 2700/-
4.25%
Azaadi 3
Rs. 18000/-
Rs. 2700/-
5.25%
Azaadi 4
Rs. 9990/-
Rs. 2700/-
7.00%
Azaadi
Rs. 1800/-
Rs. 2700/-
10.00%

Paysignet

Paysignet is a Earn and Pay module. Paysignet is India’s payment gateway service provider which provides a secure, real-time, scalable and flexible Internet payment platform. It facilitates seamless online payment solutions enabling businesses all over India to accept secure online payments via credit cards, debit cards, bank transfers, by phone, fax or mail through one single account and payment-processing system.

Product / Plans
Upfront Fees
Annual Software Maintenance Cost
Transaction costs (Credit / Debit Cards)
Platinum
Rs. 25,000 + Rs. 25,000(*later)
Rs. 5000/-
upto 2.75% on slab basis
Gold
Rs. 10,000 + Rs. 10,000(*later)
Rs. 2500/-
4.00%
Silver
Rs. 3,000 + Rs. 3,000(*later)
Rs. 1500/-
5.00%

Ozg Payment Gateway Consultant
Ozg Center, New Delhi / Mumbai, INDIA
Contact # 0091-9811415701-06-10-74-92-97
Email: india@paymentgatewayconsultant.com

Whizpay

whizPay is a modular multipurpose, PCI-certified Gateway. The “Pay as you Grow” enables enterprises to reduce operational costs and avoid huge upfront investments in payment solutions. The platform also provides multicurrency, mobile payments, Virtual terminal and Web Services for third party integration as part of the platform providing several avenues to accept payments. WhizPay works with any shopping cart. Support all Master and Visa Credit Cards and also support 19 Banks debit Cards. WhizPay accept transactions in 36 Currencies.

Product / Plans
Upfront Fees
Annual Software Maintenance Cost
Transaction costs (Credit / Debit Cards)
Bronze
Rs. 10000/-
Rs. 1000/-
6.00%
Silver
Rs. 15000/-
Rs. 1000/-
5.00%
Gold
Rs. 20000/-
Rs. 1000/- 4.00%


ICICI

ICICI Bank, India’s second largest private sector bank with over 2,000 branches across the country, and First Data, a global leader in electronic commerce and payment services, have formed a merchant acquiring alliance named ICICI Merchant Services which has acquired ICICI Bank’s merchant acquiring portfolio. Over time, ICICI Merchant Services expects to deliver an enhanced suite of card acquiring services to existing and to new merchants. First Data, a KKR company, provides payment processing services for 5.3 million merchant locations globally and serves customers in 36 countries around the world.

Product / Plans
Upfront Fees
Annual Software Maintenance Cost
Transaction costs (Credit / Debit Cards)

Rs. 30000/-
Rs. 10000/-
3.00 – 3.5%

Note: The above data has been taken from website of Payment Gateway (PG) providers either first party or second party. It could be vary as per the current market price. The most of PG companies listed above are the business partner of Ozg Payment Gateway Consultant -  www.paymentgatewayconsultant.com. You may order their services through Ozg.


Ozg Payment Gateway Consultant
Ozg Center, New Delhi / Mumbai, INDIA
Contact # 0091-9811415701-06-10-74-92-97
Email: india@paymentgatewayconsultant.com


Written & Compiled by Ozg Ecommerce Consulting Team, Mumbai