Top 10 UPI Payment Gateways in India for Businesses in 2026

UPI processed 23.66 billion transactions worth ₹29.88 lakh crore in July 2026, marking its highest-ever monthly transaction volume. For Indian businesses, supporting UPI at checkout is no longer an optional payment feature. It is one of the primary ways customers expect to pay.

But accepting UPI payments on a website or app involves more than displaying a QR code. Businesses need reliable payment processing, UPI Intent and QR flows, transaction tracking, refunds, reconciliation, webhooks, settlement visibility, and integrations that work with their existing technology.

A UPI payment gateway brings these capabilities together.

This guide compares the top UPI payment gateways in India in 2026, including Razorpay, EnKash, Cashfree Payments, PayU, PhonePe, and other providers businesses can consider.

Top UPI Payment Gateways in India at a Glance

What Is a UPI Payment Gateway?

A UPI payment gateway is payment infrastructure that allows a business to accept Unified Payments Interface transactions through its website, mobile app, or another digital checkout.

When a customer selects UPI, the gateway connects the merchant's checkout with the relevant payment infrastructure and helps initiate, process, and track the transaction.

Depending on the provider and integration, businesses may be able to offer:

• UPI Intent
• Dynamic QR codes
• Static QR codes
• UPI AutoPay
• Payment links
• Virtual UPI IDs
• In-app UPI payments
• Transaction-status APIs
• Webhook notifications
• Refund management
• Settlement and reconciliation reports

UPI itself is not a payment gateway. It is the real-time payment system operated by the National Payments Corporation of India. A payment gateway gives merchants the technology required to offer UPI within a broader online checkout.

An Important UPI Change Businesses Should Know in 2026

The way businesses implement UPI is changing.

Under NPCI guidelines, the traditional UPI Collect flow for most merchant transactions was deprecated from February 28, 2026. Instead of asking customers to manually enter their UPI ID and then approve a collect request, merchants are increasingly expected to use UPI Intent or UPI QR flows, subject to specified exemptions.

This makes the supported UPI flow an important consideration when comparing payment gateways in 2026.

Businesses should check whether a provider supports:

• UPI Intent for mobile checkout
• Dynamic QR for desktop and cross-device payments
• In-app UPI for mobile applications
• Recurring UPI mandates where required
• Reliable APIs and webhooks for payment-status tracking

With that in mind, here are the leading UPI payment gateways businesses can consider.

1. Razorpay

Razorpay is one of India's widely used payment gateway platforms and offers dedicated infrastructure for accepting UPI payments online.

Businesses can enable UPI at Razorpay Checkout and allow customers to complete transactions using supported UPI applications. Razorpay's current documentation also reflects the move away from UPI Collect toward Intent and QR-based payment flows for most merchant transactions.

Razorpay also supports cards, net banking and wallets through its broader payment gateway, making it suitable for businesses that want UPI to be one part of a multi-method checkout.

Key UPI Features

• UPI payments through major UPI apps
• UPI Intent
• UPI QR-based flows
• APIs and SDKs
• Hosted checkout
• Payment dashboard and reports
• Refund management
• Other payment methods through the same gateway

Best For

Razorpay is well suited to startups, ecommerce brands, SaaS companies and digital businesses looking for a mature payments platform with extensive developer documentation.

2. EnKash Payment Gateway

EnKash Payment Gateway provides businesses with UPI acceptance alongside cards, net banking, wallets and other digital payment methods.

Its UPI product supports several payment formats, including UPI Intent, dynamic QR codes, static QR codes and Virtual UPI IDs. EnKash also provides APIs and SDKs for integrating payments into websites and mobile applications.

For custom payment flows, EnKash's developer documentation includes APIs for creating orders, generating UPI Intent links and QR codes, receiving transaction updates through webhooks, checking transaction status and processing refunds.

This can be useful for ecommerce businesses and other online merchants that require more than basic UPI collection.

Key UPI Features

• UPI Intent
• Dynamic QR codes
• Static QR codes
• Virtual UPI IDs
• UPI payment APIs
• SDKs
• E-commerce integrations
• Real-time transaction updates through webhooks
• Refund APIs
• Transaction-status APIs
• Payment links
• Settlement and transaction visibility

EnKash's broader payment gateway also supports cards, net banking, wallets, EMI, and BNPL, allowing businesses to manage several online payment methods through the same integration.

Best For

EnKash Payment Gateway is suited to ecommerce companies, SMEs and growing businesses that want UPI acceptance together with broader online payment capabilities and developer integrations.

3. Cashfree Payments

Cashfree Payments has built extensive UPI infrastructure for online businesses and high-volume merchants.

Its UPI payment gateway supports UPI Intent, Dynamic QR and other UPI payment experiences, while its UPI Switch is designed to connect merchants more directly with UPI infrastructure.

Cashfree states that its UPI Switch can process approximately 12,000 transactions per second and that its routing infrastructure uses integrations with multiple banks to manage UPI transactions.

The company also provides Flash UPI for in-app payments and support for recurring UPI mandates.

Key UPI Features

• UPI Intent
• Dynamic QR
• UPI Switch
• In-app UPI through Flash UPI
• Recurring UPI payments
• APIs
• Multiple bank integrations
• Dynamic routing
• Refund and dispute management
• Instant Settlement option, subject to eligibility

Best For

Cashfree can be a strong option for ecommerce platforms, marketplaces and businesses processing high transaction volumes.

4. PayU

PayU offers a dedicated UPI stack alongside its wider payment gateway.

Its UPI infrastructure supports payments across websites, mobile experiences and applications. PayU provides APIs and SDKs that businesses can use to embed UPI payments into checkout.

The company also offers UPI BOLT, an in-app payment experience designed to reduce external redirects, alongside UPI Intent and QR-based payment capabilities.

PayU's broader gateway supports more than 150 payment modes across UPI, cards, net banking, wallets and other methods.

Key UPI Features

• UPI Intent
• Embedded UPI payments
• UPI BOLT
• QR-based payments
• APIs
• SDKs
• Multiple UPI app support
• Broader payment-method coverage

Best For

PayU can suit established digital businesses and larger merchants that require several payment methods and greater flexibility in how UPI is presented at checkout.

5. PhonePe Payment Gateway

PhonePe has a particularly strong association with UPI as a consumer payment platform, but it also provides a full payment gateway for online merchants.

PhonePe Payment Gateway supports UPI alongside credit cards, debit cards and net banking. It offers developer-friendly APIs, plugins and SDKs for websites and applications.

Its merchant products include Dynamic QR, UPI AutoPay and checkout tools such as Quick Checkout and Fast Forward.

Dynamic QR allows customers to scan a transaction-specific code using a UPI app, which can be useful for desktop ecommerce checkouts and other cross-device payment experiences.

Key UPI Features

• UPI payments
• Dynamic QR
• UPI AutoPay
• APIs
• Native SDKs
• Ecommerce plugins
• Payment links
• Merchant dashboard
• Checkout optimisation tools

Best For

PhonePe Payment Gateway can be especially relevant to mobile-first businesses and merchants whose customers frequently choose UPI.

6. Easebuzz

Easebuzz provides dedicated UPI solutions within its business payments platform.

Its UPI gateway supports Virtual UPI IDs, static and dynamic QR codes, UPI payment-link APIs and recurring payment capabilities. Businesses can also access transaction reports, settlements and refunds from the platform.

Easebuzz provides APIs and SDKs for businesses that want to integrate UPI into existing websites or applications.

Key UPI Features

• Virtual UPI IDs
• Static QR
• Dynamic QR
• UPI payment-link APIs
• Recurring-payment capabilities
• APIs and SDKs
• Refund management
• Settlement reporting
• Webhook notifications
• Automated reconciliation features

Best For

Easebuzz is worth considering for SMEs, education companies, service businesses and growing digital merchants looking for UPI alongside other collection tools.

7. CCAvenue

CCAvenue is one of India's longstanding online payment gateway providers and supports UPI within its broader payment platform.

Businesses can use CCAvenue to accept UPI payments from customer bank accounts as part of an online checkout. The company also supports cards, net banking and several other payment methods.

Key UPI Features

• UPI payment acceptance
• Online checkout integration
• Real-time payment confirmation
• Broader payment-method support
• Merchant reporting
• Ecommerce payment integrations

Best For

CCAvenue can suit established online businesses that require UPI along with a wide range of domestic and international payment options.

8. Paytm Payment Gateway

Paytm provides UPI acceptance through its All-In-One Payment Gateway.

Its UPI products include UPI Intent and in-app payment experiences. The wider payment gateway supports cards, net banking, UPI, wallet payments and other payment sources through common integration tools.

Paytm also provides APIs, SDKs and ecommerce plugins for integrating its payment gateway with websites and applications.

One point businesses should check carefully is the payment flow used in their implementation. Some Paytm pages still describe UPI Collect, while NPCI's 2026 rules restrict the traditional Collect flow for most merchant transactions. Merchants should confirm the current supported flow during integration.

Key UPI Features

• UPI Intent
• In-app UPI payments
• APIs and SDKs
• Ecommerce plugins
• Payment dashboard
• Refund management
• UPI AutoPay
• Other payment methods through the same gateway

Best For

Paytm can suit consumer-facing ecommerce businesses and merchants looking for UPI alongside a larger digital checkout product.

9. Pine Labs

Pine Labs provides UPI through its online payment gateway, along with cards, wallets, net banking, EMI, and BNPL.

Businesses can integrate Pine Labs Online through APIs, SDKs, Hosted Checkout, Custom Checkout, payment links, and e-commerce plugins.

Its documentation currently supports UPI payment flows across Intent and QR, with UPI available through both hosted and custom checkout configurations.

Key UPI Features

• UPI Intent
• UPI QR
• Hosted Checkout
• Custom Checkout
• APIs
• SDKs
• Payment links
• Ecommerce plugins
• Multiple additional payment methods

Best For

Pine Labs can be useful for ecommerce and enterprise merchants that want UPI along with EMI, BNPL, and broader checkout capabilities.

10. Instamojo

Instamojo is particularly popular with small businesses, creators, and independent online sellers.

Its payment gateway supports UPI along with credit and debit cards, net banking, EMI, and wallets. Developers can integrate the platform through APIs, SDKs and plugins.

Instamojo also provides other online-selling tools, which can make it easier for smaller merchants that do not have large technical teams.

Key UPI Features

• UPI payments
• APIs
• SDKs
• Plugins
• Payment links
• Cards and net banking
• Online-selling tools

Best For

Instamojo is generally better suited to small businesses, individual sellers and early-stage online stores than merchants building highly customised enterprise payment infrastructure.

How to Choose the Best UPI Payment Gateway

Simply checking whether a gateway has "UPI" in its payment-method list is no longer enough.

Businesses should compare providers across the following areas.

1. Check the UPI Payment Flows

In 2026, UPI Intent and QR are particularly important because of the changes affecting UPI Collect.

For a mobile website or app, UPI Intent can send customers directly to an installed UPI application with payment details already populated.

For desktop checkout, Dynamic QR allows the customer to scan and complete payment from their phone.

2. Compare Payment Success Infrastructure

Ask how the provider deals with:

• Bank downtime
• PSP outages
• Failed requests
• Routing
• Transaction-status delays
• Pending payments

A failed UPI transaction can result in an abandoned order even when the customer was willing and able to pay.

3. Look at APIs and SDKs

Custom websites and mobile applications should evaluate the gateway's developer documentation before signing a contract.

Check for APIs covering:

• Order creation
• Payment initiation
• Transaction status
• Refunds
• Webhooks
• Settlements
• Reconciliation

A sandbox or test environment can also reduce integration problems before launch.

4. Evaluate Webhooks and Transaction Tracking

UPI transactions do not always return an immediate final status to the merchant application.

Reliable server-to-server webhooks and transaction-status APIs help businesses update orders correctly when a payment succeeds, fails or remains pending.

5. Check Refund Handling

For ecommerce businesses, payment processing does not end when the customer pays.

Look at:

• Full refunds
• Partial refunds
• Refund APIs
• Refund-status tracking
• Dashboard-based refunds
• Reconciliation

This becomes especially important for businesses processing cancellations and returns at scale.

6. Review Settlement Options

A customer's UPI payment may be instant, but the merchant's settlement arrangement with its payment provider is a separate matter.

Compare:

• Standard settlement cycles
• Instant or on-demand settlement availability
• Settlement reports
• Settlement APIs
• Reconciliation
• Eligibility requirements

7. Compare the Entire Payment Gateway

UPI may dominate transaction volumes, but customers can still choose cards, net banking, EMI, wallets or other payment methods.

For many businesses, it therefore makes more sense to compare the entire payment gateway rather than selecting a provider solely for UPI.

Which Is the Best UPI Payment Gateway in India?

There is no single UPI gateway that will be the best fit for every business.

Razorpay offers a mature payment ecosystem and broad developer support.

EnKash Payment Gateway combines UPI Intent, QR-based payments, Virtual UPI IDs, APIs, SDKs, and broader payment acceptance within one gateway.

Cashfree Payments provides extensive UPI infrastructure, bank integrations and routing capabilities.

PayU offers several UPI checkout formats and embedded payment experiences.

PhonePe Payment Gateway can be attractive for businesses with UPI-heavy and mobile-first customer bases.

The right payment gateway provider depends on transaction volumes, checkout design, integration requirements, settlement needs, and the other payment methods customers use.

Final Thoughts

UPI has become central to how India pays online. As transaction volumes continue to rise, businesses need to think beyond simply adding a UPI button to checkout.

The quality of the payment gateway affects how customers initiate payments, how transactions are tracked, how failures are handled, how quickly refunds are processed and how finance teams reconcile collections.

Razorpay, EnKash Payment Gateway, Cashfree Payments, PayU, PhonePe, Easebuzz, CCAvenue, Paytm, Pine Labs and Instamojo all provide UPI payment capabilities, but their integrations and supporting merchant features differ.

Before selecting one, businesses should test the checkout themselves and compare UPI Intent and QR support, APIs, payment-status tracking, refunds, settlements, reporting and support.