Payment gateway integration sounds like a purely technical step, but for an Indian ecommerce business it's also a business decision: which payment methods you offer directly affects how many visitors actually complete checkout.
What a Payment Gateway Actually Does
A payment gateway sits between your website and your bank, securely handling card, UPI and netbanking transactions so you never touch raw card data yourself. Providers like Razorpay, Stripe or a bank's own merchant service all do this job — the choice usually comes down to fees, payout speed, and how well they support UPI.
Why UPI Isn't Optional in India
For most Indian ecommerce stores, UPI accounts for a large share of successful checkouts — it's fast, doesn't require entering card details, and is what most shoppers already default to. A store that only supports card payments is leaving conversions on the table before a customer even sees your product quality.
Cash on Delivery: Still Worth Offering
COD still converts a meaningful share of first-time buyers who aren't ready to trust a new store with online payment yet. The tradeoff is failed deliveries and return-to-origin (RTO) costs, which is why pairing COD with good delivery tracking and RTO handling matters — we cover that in our shipping & delivery integration guide.
The KYC Step Most Guides Skip
Before a payment gateway activates live payouts in your business's name, it requires business KYC — proof of identity, business registration, and bank account verification. This isn't a vendor upsell; it's a regulatory requirement from the payment provider to prevent fraud. Budgeting a few days for this step (rather than assuming payments go live instantly) avoids a common launch-week surprise.
What's Included in a BThinkX Build
Every ecommerce package we build includes UPI, card, netbanking and Cash on Delivery from launch, with automatic GST invoicing on every order — so this isn't an add-on you need to negotiate separately.
Payments are set up as standard in every BThinkX ecommerce package — no separate negotiation required.