SwirlyCupcake
SwirlyCupcake

Payment Gateway Reco (Razorpay | CCAvenue | Cashfree | PayU)

I'm looking to shift from my current payment Gateway (PayTM). I've used CCAvenue in its heyday when it was the most developer friendly.

I need to have reliable transaction success rates but PayU seems antiquated and Razorpay and Cashfree can't seem to be able to onboard new merchants because of their PA license issues.

Can someone either confirm the ban for razorpay and cashfree or put me in touch with either who can onboard us? If not, would you guys recommend ccavenue or something else?

CCAvenue
Razorpay
Cashfree
PayU
Other
157 votesexpired
19mo ago
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SnoozyWalrus
SnoozyWalrus

Try HDFC Bank / AXIS Bank PG

SwirlyCupcake
SwirlyCupcake

Yeah that was the fallback I had kept. Honestly don't want to deal with banks. Their support usually sucks and they threaten to pull services for small clerical errors.

ZippyDonut
ZippyDonut
Juspay19mo

Try phonepe or easebuzz. Both are onboarding. You can also see if Juspay would be a good fit for your use case as it would save you the effort of new pg integrations

SwirlyCupcake
SwirlyCupcake

Juspay looks good, will check them out. But as far as I know, it's just a routing layer and I might still have to onboard with the PGs. Could be wrong though.

I've been hearing easebuzz a few times lately. Never heard of them before. Any idea who the guys are and their credentials?

DancingHamster
DancingHamster
Porter19mo

Correct. Juspay is a Payment Router. Even if you integrate with it, you would need to have an actual PG like Razorpay, PhonePe, etc behind it.

And yes, Razorpay does have an embargo on onboarding new clients. Not sure when it would be lifted up. Go for PhonePe. If your usecase is UPI heavy, no one offers better success rates than PhonePe

SquishyQuokka
SquishyQuokka
Gojek19mo

Wow Razorpay is the biggest chunk of

SwirlyCupcake
SwirlyCupcake

Even though they aren't onboarding new merchants for around 1 year.

DerpyBoba
DerpyBoba
InMobi19mo

Just explains why online anon polls should not always be trusted.

ZippyDonut
ZippyDonut
Juspay19mo

Razorpay and Cashfree are not onboarding

SwirlyCupcake
SwirlyCupcake

Any idea of when they would restart?

JazzySushi
JazzySushi

You’re looking for which payment method? PhonePe has the recent gateway offering. Performs quite well across except NB

SwirlyCupcake
SwirlyCupcake

Too new in the PG market. Good rates to begin with but I don't know how it'll play out a year down the line. Plus it's their secondary product so don't know about their focus.

WobblyWalrus
WobblyWalrus
Student19mo

There's this new payment gateway totally awesome and taking over stripe, called Paddle. You can search for it. It takes 5% commissions but it's worth it because of less hassle and many many many features unlike stripe where you have to get an app from marketplace and later pay commissions. But it's friendly for SaaS startups only. Millions of SaaS startups and indie projects shifted to paddle.

DerpyBoba
DerpyBoba
InMobi19mo

What is wrong with Paytm? Apparently there's an embargo on them as well.

GroovyDonut
GroovyDonut
Swiggy19mo

For cards you can Stripe

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Payment gateway options?

I’m building a SaaS that needs a payment gateway. Razorpay, stripe and cashfree can’t onboard new businesses because of some RBI regulation(since December 2022).

What would you guys suggest I go with? Ideally I would need a PG that can...