12 Key Features to Look for in an Indian Payment Gateway.pdf

Choosing the right payment gateway in India is crucial for ensuring smooth, secure, and successful online transactions.With multiple players like Razorpay, Cashfree, Paytm, and CCAvenue, it’s important to know which features truly matter before you integrate one into your business.
Below are the 12 key features that define a reliable Indian payment gateway.

1. 12 Key Features to Look for in an Indian Payment Gateway

2. Introduction
●India has become a global leader in real-time digital payments.

●With countless gateway options available, selecting the right one is
crucial for growth and customer trust.

●This presentation explores 12 essential features that distinguish the
best payment gateways in India.

3. Why the Right Gateway Matters
●Shapes the checkout experience and impacts conversion rates.

●Ensures compliance with RBI and data privacy regulations.

●Influences settlement speed, cash flow, and customer satisfaction.

4. 1. Multi-Method Payment Support
●Must support UPI, net banking, cards, wallets, and BNPL (Buy Now,
Pay Later).

●Enables customers from all segments to complete payments easily.

●Expands your reach across India’s diverse digital landscape.

5. 2. Local Language and Mobile Optimization
●Checkout pages should be available in regional languages.

●A mobile-first interface ensures smooth payments on smartphones.

●Enhances accessibility in Tier 2 and Tier 3 cities.

6. 4. Fast and Transparent Settlements
●Flexible settlement cycles (T+0 to T+3) improve liquidity.

●Clear visibility into settlement reports and transaction history.

●Especially critical for small businesses managing daily cash flow.

7. 5. Easy Integration Options
●API, SDK, and plugin compatibility for websites and apps.

●Quick setup via platforms like Shopify, WooCommerce, or
custom apps.
●Saves developer time and supports fast go-to-market
deployment.

8. 6. Reliable Uptime and Scalability
●Uptime above 99.9% ensures transactions run smoothly.

●Auto-scaling infrastructure to handle festival or sale traffic
surges.

●Keeps customer experience consistent, even under heavy
demand.

9. 7. Multi-Currency and Cross-Border Support
●Adopt payment orchestration platforms to manage diverse
providers.

●Leverage data-driven insights to predict transaction trends.

●Partner with providers offering global infrastructure and local
expertise.

10. 8. Transparent Pricing and Low Fees
●Clear breakdown of transaction fees and settlement charges.

●No hidden costs for refunds or failed transactions.

●Compare pricing structures for domestic vs. international
payments.

11. 9. Smart Dashboard and Analytics
●Real-time insights into sales, refunds, and transaction metrics.

●Helps identify trends, preferred payment methods, and revenue
leakage.

●Promotes data-driven decisions for business improvement.

12. 10. Subscription and Recurring Billing
●Supports automatic billing cycles for SaaS, memberships, and
EMI.

●Offers retry logic for failed payments and card expiration alerts.

●Enhances customer retention through reliable renewals.

13. 11. Excellent Customer Support
●24/7 availability through chat, ticket, and phone.

●Dedicated account managers for enterprise-level projects.

●Quick dispute resolution ensures smooth operations.

14. 12. RBI and Local Compliance
●The gateway must comply with RBI, NPCI, and data localisation
norms.

●Secure handling of user credentials and storage within Indian
data centers.

●Maintains legal safety and ensures regulatory peace of mind.

15. ●A robust payment gateway does more than process transactions—it enables
business growth.

●Evaluate these 12 features to align technology, compliance, and customer
experience.

●Choosing wisely today builds a secure, scalable commerce ecosystem for
tomorrow.
Conclusion
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