Best Payment Gateways for WooCommerce Stores In India

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WooCommerce now powers a huge share of online stores as it’s a structure built on WordPress’s popularity. However, this popularity comes with a quiet problem: the platform lacks a solid payment infrastructure of its own to route payments securely and rapidly.

Although you can integrate a payment gateway, it also means the gateway you plug in ends up doing a lot of the heavy lifting: checkout speed, recurring billing, fraud checks, currency support, all of it.

So instead of picking a gateway by whichever plugin installs fastest, it’s worth looking at five things that actually decide whether WooCommerce checkout works for your business;

With these questions in mind, here are the top payment gateways that work well with WooCommerce stores.

Top Payment Gateways for WooCommerce Stores

Payment Gateway

Pricing

Settlement

Ease of Onboarding

Payment Success Rate

Cashfree Payments

0% platform fee on GMV up to ₹20L – as a part of festive offer

Next-day (T+1) guaranteed, instant settlement available

Same-day live self-serve plugin setup

98% to 99%

Stripe

2% on domestic cards

4.3%+ on international cards

Standard payout cycle

T+3

Slower setup process, and India access is invite-only

90% to 98%

PayU

Starts with 2%

T+1

Manual plugin install via GitHub; some technical comfort needed

85% to 95%

PhonePe PG

1.95%

T+1

Straightforward plugin setup and offers standard WooCommerce flow

95% to 98%

CCAvenue

From 1.95%

T+2

Plugin integration is easy, but currency/method availability depends on merchant account configuration

85%

Instamojo

2% + ₹3 per transaction

T+2

Easiest for very small/first-time stores and requires minimal configuration

80% to 88%

Cashfree Payments

Cashfree for WooCommerce plugin is built specifically for the platform as it’s compatible with WooCommerce’s newer Checkout Blocks and High-Performance Order Storage (HPOS), which matters more than it sounds.

Setup of Cashfree Payments is as easy as plug-and-play, and all you have to do is download the plugin, activate it, add your API keys, whitelist your domain, and that’s all you need to start accepting payments.

This means most merchants using Cashfree can go live on the same day, without needing a developer to sit through it. Once it’s running, the payment gateway plugin supports 100+ domestic and international payment methods out of the box, including UPI, cards, net banking, wallets, EMI, and BNPL, all from one integration instead of stitching together separate plugins for each.

Key Features:

  • Native Checkout Blocks and HPOS compatibility
  • Same-day setup, no developer required for standard installs
  • 100+ payment methods (UPI, cards, net banking, wallets, EMI, BNPL) via one plugin
  • Recurring payments and e-mandates that plug into WooCommerce Subscriptions
  • Instant refunds on online and COD orders, instant settlements
  • RiskShield fraud monitoring, PCI-DSS compliant
  • 180+ currencies, RBI PA-CB licensed for cross-border collection
  • Early support for agentic/AI checkout flows

For online stores and SaaS businesses running subscriptions or memberships, Cashfree’s recurring payments and e-mandate support plug directly into WooCommerce Subscriptions, so renewals run on autopilot instead of needing manual follow-ups.

As a large share of WooCommerce stores in India are D2C or ecommerce sellers, the Cashfree plugin also provides instant refunds on both online and COD orders, pre-authorization for card payments, and instant settlement functionality.

Stripe

Stripe’s WooCommerce plugin seems a probable choice if the majority of your customers are outside India. This payment gateway supports 135+ payment methods across currencies and localizes checkout with region-specific options,  like iDEAL, Bancontact, SEPA Direct Debit, and similar methods.

Key Features:

  • Native Checkout Blocks integration with a polished, familiar checkout UI
  • Recurring billing through WooCommerce Subscriptions
  • Stripe Radar fraud detection built into checkout
  • Localized payment methods across 135+ methods
  • Adaptive Pricing for local-currency checkout in 150+ countries

This means international buyers see something familiar rather than a foreign card form on the checkout page. Moreover, Stripe ensures recurring billing works through WooCommerce Subscriptions, saving secure tokens for renewal charges rather than routing through Stripe’s separate Billing product.

The trade-off for a store that mostly caters to Indian customers means less India-specific tooling like UPI-first flows or COD-linked refund handling.

PayU

PayU brings the required scale and is currently used by a large base of Indian merchants, accepting payments in 150+ options including UPI, net banking, cards, EMI, and BNPL.

Key Features:

  • 150+ payment options including UPI, net banking, cards, EMI, and BNPL
  • CommercePro checkout layer built to lift conversion at the WooCommerce cart/checkout step
  • Two-step login checkout that skips repetitive form-filling for returning customers
  • Centralized dashboard for payments, refunds, and transaction analytics
  • Established acquiring relationships that support high transaction volumes

Setting up PayU is more manual than some newer plugins, as you have to pull files from PayU’s GitHub repo and install them manually rather than a one-click WordPress.org install, and this means it’s a better fit for a store with some technical comfort.

Recurring billing and refunds run through PayU’s own dashboard rather than being deeply threaded into WooCommerce’s native order flow. Moreover, technical and customer support prioritizes higher-volume accounts, which smaller stores sometimes feel when things go sideways.

PhonePe PG

PhonePe’s strength for a WooCommerce store is brand recognition at checkout, as most Indian shoppers already use the app daily, and that familiarity alone can nudge conversion up on the payment page.

Key Features:

  • Familiar PhonePe checkout branding that can lift trust at the payment step
  • Core payment modes included, like UPI, cards, net banking, wallets
  • Merchant dashboard for tracking transactions and settlements
  • Quick-start APIs for stores that want a lighter setup process

The plugin covers core methods (UPI, cards, net banking, wallets) and integrates cleanly enough for a standard store. Where it’s thinner is on the growth layer and in handling things like advanced recurring-billing tooling, built-in fraud dashboards, or deep COD/RTO handling for ecommerce sellers.

For these aspects, PhonePe PG is still catching up compared to more established players, since PhonePe is a newer entrant on the gateway side specifically.

CCAvenue

CCAvenue payment gateway is also compatible with HPOS and Checkout Blocks systems. Integrating CCAvenue with your WooCommerce store means you can collect payments in 27+ foreign currencies with a multilingual checkout, which is a genuine advantage for a store with a global customer base.

Key Features:

  • HPOS and Checkout Blocks-compatible plugin for modern WooCommerce stores
  • 200+ payment methods including UPI, cards, net banking, and wallets
  • Multi-currency collection (27+ currencies) with an 18-language checkout page
  • Real-time transaction reporting and dynamic routing to reduce failed payments

The catch is that a lot of that breadth depends on how your CCAvenue merchant account itself is configured. Plus, the currency and payment-method availability isn’t automatic through the plugin alone, and several merchants note the checkout UI feels dated next to newer gateways.

Instamojo

Instamojo suits a smaller WooCommerce store, including solo sellers, small service businesses, stores that are just getting started, and those that have plans to scale fast.

Key Features:

  • Simple, no-code plugin setup suited to first-time store owners
  • Supports UPI, cards, net banking, wallets, and EMI
  • No setup or maintenance fee, just a per-transaction charge
  • Works with WooCommerce’s core checkout flow for standard, non-HPOS stores
  • Familiar for small sellers already using Instamojo’s storefront tools

The plugin supports UPI, cards, net banking, wallets, and EMI, and installation is straightforward for a non-technical user. The meaningful limitation right now is that the plugin has had ongoing compatibility issues with WooCommerce’s High-Performance Order Storage, and it’s restricted to INR only.

Conclusion

For businesses prioritising modern WooCommerce compatibility, high payment success rates, recurring payments, fast onboarding, and international growth, Cashfree stands out as a strong option. Its current 0% platform fee offer through March 2027 also gives businesses an opportunity to evaluate the switch while reducing their payment costs.