Home > Blog > How to Set Up a Paym...

How to Set Up a Payment Gateway for Your Small Business Website in India — Razorpay, Cashfree, or PayU?

Business | 20 Apr 2026

Your Customers Want to Pay You Online. Are You Ready?

India processed over 17 billion UPI transactions in a single month in 2026. Customers now expect fast and easy digital payments.

However, many small business websites still lack payment gateways. This leads to lost sales when customers cannot pay instantly.

What Is a Payment Gateway?

A payment gateway is a system that allows customers to pay online securely. It connects your website to banks and processes payments within seconds.

Supported Payment Methods

  • UPI
  • Credit/Debit Cards
  • Net Banking
  • Wallets (Paytm, PhonePe)
  • EMI
  • Buy Now Pay Later
  • International Payments

Documents Required

For Individuals

  • PAN Card
  • Aadhaar Card
  • Bank Account Proof
  • GST Certificate (if applicable)
  • Business Address Proof
  • Website URL

For Companies

  • Certificate of Incorporation
  • Company PAN
  • MoA & AoA
  • Board Resolution
  • Director KYC

Top Payment Gateways in India

Feature Razorpay Cashfree PayU
Setup Fee Free Free Free
Transaction Fee 2% + GST 1.6–1.9% + GST 2% + GST
Settlement T+2 T+1 T+2
Best For All businesses High volume sellers High-ticket products

Razorpay

Best for most small businesses due to ease of use and strong features.

  • Easy setup
  • Fast checkout (Turbo UPI)
  • Payment links
  • Subscription billing

Pricing

  • 2% per transaction
  • 3% for international payments

Cashfree

Best for businesses needing lower fees and faster settlements.

  • 1.6% starting fee
  • T+1 settlement
  • Strong refund system

PayU

Best for high-value transactions and EMI options.

  • Strong EMI support
  • BNPL integrations
  • Fraud detection

Which Should You Choose?

  • Razorpay: Beginners and general use
  • Cashfree: High volume businesses
  • PayU: High-ticket products

How to Set Up Razorpay

  1. Create account
  2. Complete KYC
  3. Add policy pages
  4. Integrate with website
  5. Test payments
  6. Go live

FAQ

Do I need GST?

No, but it is recommended.

When will I receive payments?

Usually within 2 days (T+2).

Can I use without website?

Yes, using payment links.

Conclusion

A payment gateway is essential for modern businesses. It improves customer experience and increases conversions.

Let Vilva Business Help You

Vilva Business helps set up secure payment gateways with complete website integration for Indian businesses.

Share on

Email won’t be published. Comments appear after review.

Build Your Custom App/Website Book a Free Consultation Today

+00

About Vilva

Vilva Business is a B2B all-in-one service Portal with solutions ranging from Marketing, Accounting, HR Management, Business Printing Supplies, Technology Services such as Website Development, Hosting, and everything else a successful business needs for its existence and growth.

10+

Years in business

1000+

Happy Customers

50+

Projects Delivered

Our Clients

Client Logo 1Client Logo 2Client Logo 3Client Logo 4Client Logo 5Client Logo 6Client Logo 8Client Logo 9

Features & Ratings

Business Firms logo
Features_img1Features_img2Features_img3Features_img4Features_img5

Related Articles