5 Best WordPress Payment Gateway & Plugins in 2023

These free payment gateway plugins for WordPress can help you develop a secure payment solution whether you run an e-commerce website or wish to launch a new website or blog with an option for online selling of digital items or e-books.

WordPress makes it simple to set up a free online shopping store, thanks to WooCommerce. WooCommerce is an open-source tool for creating a secure online retail store on your website, and practically all WordPress themes support it.

You can install a variety of free payment gateway plugins for WordPress from the WordPress Official repository on your blog or website. However, selecting the finest payment gateway solution is the most important step. You should evaluate the benefits and drawbacks of each gateway provider before deciding on one.

In India, you may sign up for a free Payment Gateway company and turn your WordPress site into an online payment store in a matter of minutes. There are already a slew of commercial and free payment gateway plugins for WordPress. Some of them even accept payment by international debit or credit card.

Today, in this article, we’ll go over the Best Free Payment Gateway Plugins for WordPress in India, if you’re looking to create your own eCommerce website or simply want to set up Digital Payment services for your blog.

Factors to be considered before selecting a Right Payment Gateway

In India, the online retail or e-commerce market is gaining significant traction. Every day, a new e-commerce business emerges, and people enjoy purchasing online for a variety of reasons, including convenience, speed, and cost.

Your e-commerce site can use a Payment Gateway to accept electronic payments. Instead of only gateway access, some gateway suppliers offer the entire software suite, including free setup, maintenance, and security. As a result, picking the correct Payment Gateway is critical.

  • Fees: Before making any payments, it’s important to think about the company’s cost structure. Some companies provide free installation and no annual maintenance fees. However, no one in the world will provide you with a free Payment Gateway solution. The charges are deducted from the debit or credit card transaction. As a result, you must examine what percentage of charges the company will deduct from a debit or credit card transaction. Payments made with a Visa card or a Rupay card, as well as transactions made through NetBanking, have distinct charge structures.
  • Recurring Billing Option: You should also think about whether or not your gateway provider allows you to set up recurring payments. Some gateway providers will not allow you to set up recurring payments. If you run a subscription service or an online educational blog where consumers can pay on a weekly or monthly basis, your Payment Gateway must include a recurring payment option.
  • Settlement Time: You must examine the settlement period, or how many days your payment will be put into your bank account. In India, several gateway payment providers settle your money in T+2 or T+7 days. The number of days plus the transaction days equals the total number of days. The shorter the period, the faster your money will be settled in your bank account.
  • Ease of Integration: You must assess how quickly the Payment gateway connects with your WooCommerce site. Your payment gateway integration should be simple and need little documentation.
  • Company Background: You must assess the Payment gateway providers’ trustworthiness before deciding on a payment gateway. You should look into the company’s history, read user reviews from people who have already used the gateway, and see how long they’ve been in a similar field for.
  • Acceptability: Check to see if the gateway solution provider accepts all types of cards, such as Visa, MasterCard, or Rupay, or if they can process transactions through NetBanking, mobile wallets, or UPI. If you have customers from all over the world, you’ll want to see if the payment gateway firm can handle international credit cards, for example.
  • Mobile Optimisation: Today, 60% of users use a smartphone or mobile device to conduct online transactions or shop. Check with your payment gateway providers to see if they can integrate a payment solution for mobile-friendly sites.
  • User Interference: Both customers and businesses should find the payment gateway solution simple and straightforward to use.
  • Support: Last but not least, dependable customer support is critical. Before you set up your free payment gateway plugins for WordPress blog, you should check user evaluations regarding how the gateway providers handle customer complaints.

List of Free Payment gateway plugins for WordPress site or Blog in India

free payment gateway plugins for wordpress
free payment gateway plugins for wordpress

There are a number of Payment Gateway Providers operating in India, and some of them offer free setup and no maintenance fees. We’ve compiled a list of the top free payment gateway plugins for WordPress, which are ideal for small blogs and freelance businesses. By integrating these payment gateway plugins into your blog, you may effortlessly sell online digital books or get paid for online courses.

1. PayuMoney


PayUMoney is one of India’s leading payment gateway solution providers, and their plans are also reasonably priced. PayUMoney is the flagship brand of the Naspers Group’s PayU India. PayUMoney is India’s lowest payment service, and the PayU API is simple to integrate with any WordPress blog.

Key Features:

  • PayUMoney is PCI-DSS compliant, making it safe and secure.
  • There is no setup price.
  • You can create payment links and send them to customers via WhatsApp, Facebook, or email.
  • Free WordPress plugin for seamless WooCommerce integration.
  • With the PauU API and SDK, you can easily integrate your website and mobile platform.
  • Credit/debit cards, NetBanking from all Indian banks, UPI, and mobile wallets are all accepted.
  • Customer payments based on an OTP.
  • Create itemised bills and provide payment links to customers.
  • For transactions completed in India, same-day settlement is available.
  • EMI options are available from major banks.
  • Excellent client service.

Set Up Fee: Zero

Annual Maintenance Fee: Zero

International Transaction: No

Transaction Charges: 2% per transaction.

Settlement: T+2 business days

2. Instamojo


Instamojo, which was founded in 2012, also provides the lowest Payment Gateway solution in India for Bloggers and Freelancers. Instamojo is simple to join up for and there is no setup fee. Thousands of bloggers in India use Instamojo for modest payment solutions such as selling digital ebooks, online courses, or any other service utilising an Instamojo payment link that can be simply created from the dashboard. You can also share payment links over Whatsapp and receive payments directly to your bank account.

Key Features:

  • Signing up is simple and requires simply a PAN card and a bank account.
  • There are no setup or maintenance fees.
  • PCI conformed with the law.
  • All Indian banks accept UPI, mobile wallet, IMPS, credit/debit cards, and NetBanking.
  • From the Instamojo Dashboard, create simple payment links for various products.
  • For sharing direct payment links, use the Whatsapp payment option.
  • Integration with Android SDKs and iOS SDKs is simple.
  • Plugin for WordPress/WooCommerce that is free.
  • For safe Website integration, you’ll need a private API key.
  • There are no bad reviews and the customer service is excellent.

Set Up Fee: Zero

Annual Maintenance Fee: Zero

International Transaction: No

Transaction Charges: 2%+ Rs.3/ Transaction for Domestic cards

International Cards – 3% + Rs.3, Digital Products – 5% + Rs.3, Wallets – 2% + Rs.3

GST- 18% for all transactions.

For tiny bloggers or freelancers in India, Instamojo is the best and cheapest payment gateway choice. With the free Instamojo WordPress Plugin, you can quickly integrate your WordPress blog.

3. CCAvenue


CCAvenue is one of the world’s major payment gateway providers, with thousands of merchants using its E-Payment system. You may accept money for your blog from anywhere over the world with minimal transaction fees.

Startup Pro and Privilege are two types of gateway networks offered by CCAvenue. The setup of Start-Up Pro is entirely free. With just PG solution providers in the region, CCAvenue provides one of the most secure and industry-standard security solutions for payment processing.

Key Features:

  • After BillDesk, one of India’s top payment gateway providers.
  • All Indian banks accept IMPS, UPI, mobile wallet, credit/debit cards, and NetBanking.
  • All Indian banks offer NetBanking, and there are over 100 Visa/Rupay/Maestro/MasterCard debit and credit cards.
  • In India, there are more than 4 cash cards and 8 e-wallets.
  • CCAvenue Fraud & Risk Detection System is free and PCI Compliant.
  • Major Indian banks provide EMI options.
  • For safe Website integration, you’ll need a private API key.
  • Support for QR codes.
  • SDKs for Android and iOS are available.
  • Multicurrency and international Visa/MasterCard payment options are available.
  • WordPress Payment Gateway Plugins are available for free.
  • Customer service that is dependable.

Set Up Fee: Zero (for StartUp Pro)

Annual Maintenance Fee: Zero

International Transaction: Yes

Settlement: T+2 Business Days

Transaction Charges: 2%

For International Visa/MasterCard Credit Card: 3.00 %

multicurrency: 4.99%

If your consumer base is international, CCAvenue is the ideal option for you.

4. PayTM


PayTM is a well-known mobile e-wallet service provider in India that is rapidly catching up with the country’s other major payment gateway providers, such as Billdesk and CCAvenue.

PayTM also offers a free merchant payment solution with free website integration for small blogs or freelance websites. Create a free PayTM business account and begin accepting digital payments on your blog in no time.

Key Features:

  • Create a PayTM business account quickly and easily using your current Paytm mobile wallet ID.
  • There is no setup fee and there are no AMC fees.
  • Among Indian payment gateway providers, we have the lowest transaction fees.
  • PCI Complied
  • WordPress Plugins make WooCommerce integration simple.
  • Money is instantly deposited in your wallet, while bank settlement can take up to 7 days.
  • SDKs for Android and iOS are available.
  • Accepts Visa, MasterCard, Rupay, Maestro Debit and Credit Cards, NetBanking, UPI, IMPS, and Mobile Wallet from major Indian banks.
  • Create payment links and send them by WhatsApp, SMS, or email.
  • QR codes are accepted.

PayTM Payment gateway has various unfavorable evaluations and drawbacks in India.


  • Customer service isn’t always dependable.
  • The interface is less user-friendly.
  • The settlement duration is longer than that of other Indian gateway solution providers.
  • Not all Indian banks support debit cards or net banking.
  • There is no opportunity to pay using a credit card from outside of the United States.

Set Up Fee: Zero

Annual Maintenance Fee: Zero

International Transaction: No

Settlement: T+7 Business Days

Transaction Charges: 1.99% + GST

5. RazorPay


This India-based company, which was founded in 2013, is also one of the most popular and free payment gateway solution providers for small bloggers and merchants. RazorPay also provides direct payment links that you may publish on social media platforms like Facebook and WhatsApp.

RazorPay is a free payment gateway that you can install on your WordPress blog or merchant website.

Customers of Razorpay may now receive a quick refund, which means they won’t have to wait 5-7 days for their money to be settled from their bank account or credit card.

Key Features:

  • Signing up is simple and requires little documentation.
  • Transaction Fees are lower.
  • Refund in a flash.
  • Secure and PCI compliant.
  • Webhooks and a private API
  • You can share direct payment links via Whatsapp or Facebook.
  • Dashboard that is user-friendly and simple to grasp.
  • Option for a 3D secure transaction based on an OTP.
  • You can create a recurring payment service for your clients using the subscription option.
  • Partial Payment is in favor.
  • eCOD and ePOS options are available.
  • All major Indian credit/debit cards, UPI, IMPS, and mobile wallets are accepted as payment methods.
  • Customer service that is dependable.
  • WordPress payment gateway plugins are available for free.

Set Up Fee: Zero

Annual Maintenance Fee: Zero

International Transaction: No

Settlement: T+3 Business Days (T= Date of Transaction)

Transaction Charges: 2.00% + GST

Note: At this time, RazorPay does not handle unregistered business entities.

Also check Razorpay vs Stripe [ Comparison ]


We’ve tried to cover the top and free payment gateway plugins for WordPress websites or blogs in India in this article, and these are the best for small bloggers or freelancers like us. Before integrating it into your WordPress Blog or eCommerce website, we recommend that you verify reviews from all sources.

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