Payment Gateway Integration Cost in India (2026)
Payment gateway integration in India costs ₹15,000 to ₹3,00,000 in 2026. A plugin-based setup on Shopify or WooCommerce runs ₹15,000–₹40,000, custom API integration ₹60,000–₹1,50,000, and subscription or marketplace split-payment logic ₹1,50,000–₹3,00,000.
Integrating a gateway is straightforward; handling everything around it is not. Failed payments, refunds, webhooks arriving twice, and reconciliation are where the work actually lives — and where cheap integrations turn into support problems.
Pricing tiers
Plugin Integration
₹15,000 – ₹40,0002–5 daysStandard checkout on Shopify, WooCommerce or similar.
- Gateway account setup and KYC support
- Plugin installation and configuration
- UPI, cards, netbanking, wallets enabled
- Test and live mode verification
- Basic refund workflow
Custom API Integration
₹60,000 – ₹1,50,0001–3 weeksCustom applications with their own checkout.
- Server-side order and payment flow
- Webhook handling with idempotency
- Payment status reconciliation
- Failure and retry handling
- Refund and partial refund logic
- GST-compliant invoice generation
Subscriptions / Marketplace
₹1,50,000 – ₹3,00,000+3–8 weeksRecurring billing or paying out to multiple sellers.
- Mandate and e-NACH setup for recurring payments
- Proration and plan-change logic
- Split payments and vendor settlements
- Payout reconciliation and reporting
- Dunning and failed-renewal recovery
- Audit trail for every transaction
What moves the price
Webhook reliability
Gateways retry webhooks, so handlers must be idempotent or you will double-credit orders. Getting this right is most of what separates a ₹20,000 integration from a ₹1,00,000 one.
Recurring payments
Indian recurring billing requires e-mandate or UPI AutoPay under RBI rules, which is materially more complex than card-on-file — add ₹80,000–₹2,00,000.
COD reconciliation
If you accept cash on delivery, reconciling courier remittances against orders is its own build — ₹40,000–₹1,50,000.
Multi-currency
Accepting foreign payments needs additional compliance and usually a different gateway or entity. Adds ₹50,000–₹2,00,000 and legal review.
Cost breakdown
| Item | Typical cost | Notes |
|---|---|---|
| Gateway transaction fee | ≈ 2% + GST | Razorpay, Cashfree standard rate |
| Plugin setup | ₹15,000 – ₹40,000 | One-time |
| Custom API integration | ₹60,000 – ₹1,50,000 | Server-side, with webhooks |
| Subscription billing | ₹80,000 – ₹2,00,000 | e-mandate, proration, dunning |
| GST invoicing | ₹20,000 – ₹80,000 | HSN codes, state-wise splits |
| Reconciliation dashboard | ₹40,000 – ₹1,50,000 | Settlements vs orders |
Gateway onboarding in India requires PAN, GSTIN, a current account in the business name, and a live website with visible pricing, terms, refund and privacy policies. Incomplete policy pages are the most common cause of rejection and add a week or two to launch. Get those pages published before applying, not after. UPI should also be the most prominent option at checkout — burying it below card entry measurably reduces conversion.
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Frequently asked questions
How much does it cost to add a payment gateway to my website?
₹15,000–₹40,000 for a plugin-based setup on an existing platform, ₹60,000–₹1,50,000 for a custom integration. On top of that, gateways charge roughly 2% plus GST per transaction, which is the ongoing cost and usually the larger number.
Which payment gateway is easiest to integrate in India?
Razorpay has the best documentation and SDKs, which makes it the fastest to integrate and the easiest to hire for. Cashfree is comparable. Both have well-maintained plugins for the major platforms, so plugin-based setups take days rather than weeks.
Do I need a developer to set up payments?
Not on Shopify or WooCommerce — plugin setup is largely configuration and most store owners can do it. You need a developer for custom applications, subscription billing, or anything involving webhooks, where getting it wrong causes double charges or missed orders.
What does recurring billing cost to build in India?
₹80,000–₹2,00,000, because RBI rules require e-mandate or UPI AutoPay rather than simply storing a card. The flow involves mandate registration, pre-debit notifications and failure handling, all of which are more involved than international card-on-file subscriptions.