Best Shopify Payment Gateways for India

Shopify Payments is not available in India and lists no UPI among its methods, so a store abroad takes UPI through a third-party payment gateway or a checkout outside Shopify.

If your store has no Indian entity, your best Shopify payment gateway options for India are 1. Xflow, for a fully branded checkout that opens from your own website, then 2. PayU, 3. Tazapay, 4. Stripe and 5. PayPal.

With Xflow, your Indian customers pay by UPI or card on Xflow's fully branded hosted checkout, away from Shopify checkout, and you receive the money in your own currency with no Indian company needed.

Xflow has no Shopify app, so it suits India sales you can invoice, such as high-value or pre-order sales using embedded checkout.

To choose, decide where your India sales get paid, at Shopify checkout or outside it, and what each route adds to your costs. Then set up the route that fits.

We ranked each option on how fully it lets a company with no Indian entity collect UPI and cards from Indian shoppers and receive the money abroad, at Shopify checkout or outside it.

1. Xflow - best for a fully branded checkout that opens from your own website, for India sales paid outside Shopify checkout.
2. PayU - best for stores abroad that want a Shopify app for Indian payment methods, added in Settings > Payments.
3. Tazapay - best for one plugin covering cards and local payment methods across India and your other markets.
4. Stripe - best for stores already on Stripe that mainly take cards from Indian customers.
5. PayPal - best for stores on Shopify Payments that want PayPal with no extra Shopify fee.

A direct Shopify payment provider takes the payment on your own checkout, whereas an external provider sends the shopper to a checkout page hosted outside your store and then back. Xflow's checkout runs outside Shopify checkout altogether.

Under RBI's Master Direction on Payment Aggregators, a card payment where the card network settles the foreign exchange and the aggregator receives local currency is not part of Payment Aggregator - Cross Border (PA-CB) activity.

So the PA-CB question applies mainly to UPI.

Shopify Payments is Shopify's own payment provider for businesses in a list of supported countries, and India isn't on that list.

A store based abroad can still use it for cards, but Shopify Payments lists no UPI among its local payment methods, so UPI from Indian shoppers needs a separate provider.

Every other provider on Shopify is a third-party provider, either direct or external.

• One card provider at a time - Shopify lets you activate only one credit card provider, although a third-party provider can run alongside Shopify Payments for extra payment methods.
• Providers by region - Shopify shows the payment gateways available in your store's region, so check Shopify's payment gateway list for your own country before you plan around one.
• Store currency - Shopify processes orders placed through third-party payment providers in your store's default currency, whereas a UPI payment is always made in rupees.

Selling to India on Shopify can involve up to four costs: your Shopify plan price, Shopify's third-party transaction fee, the payment gateway's own fee and any currency conversion.

The Shopify transaction fee applies to every order through a third-party gateway, in addition to the payment gateway's own fees, and the rate falls as your plan goes up.

These are Shopify's published UK prices in October 2026, and pricing can differ by where your business is based, so check the rate for your country. Two exceptions change the bill:

• PayPal and manual payments - Shopify charges no third-party fee on manual payments, and with Shopify Payments active it excludes PayPal too.
• Shopify Plus - Plus stores that activate Shopify Payments may have third-party fees waived, depending on their location.

The gateway's fee, called the merchant discount rate (MDR) in India, often matters more than Shopify's cut. For an Indian card it combines a base rate, an international part and, when the order and payout currencies differ, a conversion charge.

For one GBP 1,000 Indian card order on a UK store selling in GBP, with no conversion fee:

The same arithmetic works with plan prices in USD or EUR, since Shopify's third-party fee percentages don't change by currency.

Xflow collects India payments outside Shopify checkout, while PayU, Tazapay, Stripe and PayPal work at Shopify checkout, each with its own setup steps for a store based abroad.

1. Xflow

Best for: India sales you invoice and collect outside Shopify checkout.

Xflow is a payments platform that lets a company outside India collect rupee payments from Indian customers by UPI and cards.

For a Shopify order, the shopper pays an INR invoice on Xflow's hosted checkout and you mark the order paid through a manual payment method.

As of February 2026, Xflow Payments India Pvt Ltd holds final PA-CB authorisation from the RBI, the fully approved stage.

Key features

• INR invoice for each sale, raised through Xflow's API, which gives invoiced, high-value and pre-order sales their own payment record outside the Shopify cart
• Hosted checkout that your developer opens from your own site with Xflow's JavaScript SDK, which returns the shopper to a page you choose once they have paid
• Settlement through an AD-1 bank, an RBI-authorised dealer bank, which moves each rupee payment from India into your existing overseas bank account
• ISO 27001 and SOC 2 certification for Xflow's platform, which gives your security review two recognised standards to check before you go live

Pros

• A fully branded checkout opens from your own website, so your Indian customers pay in a checkout that carries your own branding.
• Your Indian customers can pay by UPI or card, and the hosted checkout shows them the amount in INR before they pay.
• Payouts land in your account abroad in your own currency, such as USD, GBP, EUR, CAD, AUD and more, alongside the rest of your revenue.
• Xflow needs no Indian company or Indian bank account, which lets a store abroad start collecting from India without setting up there.

Cons

• Xflow doesn't plug into Shopify's own checkout. Your customer pays on Xflow's page instead, and you then mark the order as paid in Shopify.

Verdict: The route to use when India sales can be paid outside Shopify checkout and you want rupee payments settled abroad in your own currency.

2. PayU

Best for: a Shopify app for Indian payment methods, set up in Settings > Payments.

PayU is an Indian payment gateway with a cross-border product for merchants located outside India. Once PayU's cross-border team has opened your account, you install one of its two Shopify apps: the hosted payment page or the on-site card app.

Money settles to your bank abroad, but you need an INR catalogue and some developer work first.

Key features

• Hosted payment page app that takes UPI, cards, net banking and NEFT/RTGS, sending the shopper to PayU's page and back
• On-site card app that keeps Visa and Mastercard card entry inside your Shopify checkout, where card buyers pay without leaving your store
• Settlement to your overseas bank account through AD banks, in your own currency, which puts India sales in the same account as the rest of your revenue
• Full and partial refunds from your Shopify store or from the PayU dashboard, so your support team can handle Indian customers' refunds without a separate tool

Pros

• PayU's docs set out each Shopify setup step for merchants outside India, and you can plan an India launch around them.
• It holds RBI's PA-CB authorisation for inward and outward payments, which covers UPI collection from Indian customers for a company abroad.
• Its settlement tab shows status, currency and the exchange rate applied, letting your finance team match each payout to India sales.

Cons

• Because every order needs an invoice ID (and physical-goods orders an airway bill number) sent through PayU's API, you'll need developer work before launch.
• Its two Shopify apps carry few reviews (a 2.3 rating from 2 reviews and 1.0 from 1), which leaves little public feedback to lean on.

Verdict: The clearest documented Shopify app for Indian payment methods from a store abroad; expect some API work before launch.

3. Tazapay

Best for: one plugin covering India alongside your other markets.

Tazapay is a cross-border payment provider licensed in Singapore, Canada, the US, Australia and Hong Kong. You request its Shopify plugin and API keys from its team, set up payment methods on its dashboard and then go live.

UPI for Indian customers is available on request, on a redirect page. It says you need no local entity, although it is not on RBI's PA-CB list.

Key features

• Shopify listing that covers card, bank, wallet and QR payments from one plugin, sparing you a separate app for each local payment method
• UPI for customers in India on request from Tazapay's team, with the shopper paying on a redirect page and returning to your store afterwards
• Rates on its Shopify page for low-risk industries: 0% on local bank transfer and 1.8% on other non-card methods such as QR and bank redirect apps
• Optional payment protection that holds each buyer's funds and releases them to you only on proof of delivery, which can reassure first-time Indian customers

Pros

• Tazapay says it covers 70+ local currencies, which suits a store selling to several markets besides India from one plugin.
• Its card rate for low-risk industries, 3.5% + USD 0.50, is public, and you can model costs from it before any sales call.
• One plugin can take card buyers well beyond India, with Tazapay listing card coverage in 173+ countries, and the same setup serves your other markets too.

Cons

• Its Shopify listing names card, bank, wallet and QR payments but not UPI, and its UPI page shows pricing as TBD, so check UPI is enabled on your Shopify checkout before launch.
• New sellers' card funds are held for 14 days, which slows your cash flow in the first weeks on the plugin.
• For India, Tazapay Canada Corp acts as an overseas principal under RBI's Rupee Drawing Arrangement, a framework for remittances into India. Ask Tazapay how that applies to Indian customers' payments before your compliance review.

Verdict: A practical way to add cards and local payment methods from one app; confirm UPI and how its India basis applies to you first.

4. Stripe

Best for: card sales to India on an existing Stripe account.

Stripe is a global payment processor whose supported countries include the US, UK, Canada, Australia, Singapore and EU states. On Shopify, it runs as the Stripe Card Payments provider for cards and wallets.

It offers UPI to accounts in about 35 countries, including all EU states, through its own tools: Checkout, Payment Links, Elements, Invoicing and Subscriptions.

Key features

• Stripe Card Payments provider in your Shopify admin, taking Visa, Mastercard, American Express, Discover, Diners Club, Apple Pay and Google Pay
• On Stripe's own checkout pages, full and partial refunds on UPI payments for up to 60 days after the Indian customer pays
• UPI AutoPay on those same Stripe pages for recurring payments up to INR 15,000 per charge, for subscriptions you bill to Indian customers there

Pros

• Most stores abroad qualify without setting up in India, since Stripe accepts companies with no Indian entity across its supported countries. About 35 of those can also take UPI on Stripe's own pages.
• If you already use Stripe elsewhere, the same account can take UPI on Stripe Checkout, Payment Links, Elements and Invoicing.
• Stripe Card Payments installs and activates from your Shopify admin, so card setup doesn't wait on a plugin request to a sales team.

Cons

• Stripe Card Payments on Shopify lists cards and wallets and leaves UPI out, so don't plan on UPI through Stripe on your storefront.
• Stores in the US, UK and most EU countries can already take cards through Shopify Payments. Since Shopify allows one credit card provider at a time, check in Settings > Payments what adding Stripe Card Payments would switch off.
• Each UPI payment tops out at INR 100,000, and larger Indian orders need another method. Our Stripe review covers its wider pricing.

Verdict: If you already run on Stripe, use it for cards, and keep in mind its UPI works only away from Shopify checkout.

5. PayPal

Best for: adding PayPal to a store already on Shopify Payments.

PayPal is a payment wallet and card processor built into Shopify, and it is not on RBI's list of payment aggregators. Indian buyers pay by card on its own checkout, into your PayPal balance.

PayPal says UPI users in India can pay participating PayPal merchants in the United States through PayPal World, with availability limited by wallet participant and region.

Key features

• Built-in Shopify payment option with no app to install or plugin to request, which you can switch on from your payment settings
• Card payments from Indian customers through PayPal's own checkout, paid into your PayPal balance rather than straight to your bank account
• Fees listed per account country, with an international add-on on payments from India of 1.50% on a US account and 1.99% on a UK account

Pros

• With Shopify Payments active, Shopify excludes PayPal from its third-party transaction fee. On Basic, that saves you 2% of each PayPal order.
• It's already built into Shopify. You can switch it on without a developer or a separate onboarding call.

Cons

• Payments from India carry PayPal's international fee on top of its standard rate, making each order dearer than a domestic sale.
• Converting a PayPal balance costs 3% above PayPal's base exchange rate on a UK account, and that adds up on regular India sales, as our PayPal review sets out.

Verdict: Worth switching on if you run Shopify Payments, since Shopify then charges no third-party fee on PayPal orders; PayPal lists UPI for participating US merchants only, so a US store should test it at checkout first.

Razorpay, Cashfree and Easebuzz appear on many India lists, and many of those lists are written for Shopify stores run by businesses registered in India.

• Razorpay - Razorpay's app is listed in Shopify's directory for US stores, but its setup guide is written for Indian merchants' accounts, so ask Razorpay whether its on-request product for foreign businesses works with that app, as our Razorpay review explains.
• Cashfree - Cashfree doesn't appear in Shopify's payment-provider directory for stores in India or the United States, so check with Cashfree how it connects to Shopify; our Cashfree alternatives guide covers other options.
• Easebuzz - Easebuzz appears in Shopify's payment-provider directory for stores in India, but it drops out of that list when you set the store country to the United States.

For a store based outside India, Xflow, PayU, Tazapay, Stripe and PayPal each document a route for collecting from Indian customers.

Only the store owner can add a payment provider, and these steps use PayU as the example, since it is the only ranked gateway whose Shopify app lists UPI for stores abroad.

A UPI international transfer is always paid in INR on the customer's side, so settle pricing and currency before launch. Our guide to cross-border UPI compares more providers.

Step 1: Open your PayU account first

PayU's cross-border team opens your merchant account and gives you the merchant key and salt that its Shopify app asks for, so send that request before anything else. The same team agrees your cross-border rate with you.

Ask at the same time what your developer must send with each order, because PayU needs an invoice ID for every order and an airway bill number for physical goods.

Step 2: Price your India market in INR

Add India as a market in Shopify Markets and set its prices in INR, as PayU's setup steps ask stores outside India to do. Do this before installing the app, so your India catalogue is ready when you test.

If you want PayU shown only to Indian buyers, PayU's docs name apps such as Localized Payments and HidePay that hide a payment method from shoppers in other countries.

Step 3: Add PayU in Settings > Payments

Click Add payment methods, search by provider for PayU, select PayU India, install its hosted payment page app and enter your key and salt.

If your store runs on Shopify Payments, check there whether adding PayU means switching off Shopify Payments, since Shopify allows one credit card provider at a time.

Depending on the provider, Shopify notes you might need to submit and verify your bank account details with it.

Step 4: Ask PayU how INR reaches the shopper

Your order is processed in your store's default currency, so ask PayU how its page shows the INR amount and which exchange rate it applies.

Only Shopify Payments and Adyen can show local-currency prices at Shopify checkout; with other gateways such as PayU, prices convert to your store currency.

Once orders start, PayU's settlement tab shows the status, currency and exchange rate applied to each payout, so you can match what the shopper paid.

Step 5: Test a real UPI order before launch

Pay from an Indian UPI ID, then check the amount, the currency and the order status in Shopify and in your PayU dashboard.

Next, refund that test order, in full or in part, from your Shopify store or the PayU dashboard, so you know refunds work before a real customer needs one.

If you hid PayU from other countries in Step 2, check that shoppers elsewhere can't see it.

Three problems beyond Shopify's own setup can hold up an India launch, and each one has a fix you can plan for before your first order.

• Gateways built for Indian businesses - Many Indian gateways are built for businesses registered in India, so a company abroad needs a cross-border product, such as PayU's cross-border Shopify apps or Tazapay, and approval for it.
• Indian cards set up for in-person use - Under an RBI rule, new and reissued Indian bank cards are set up for in-person use in India by default, so a card never used online or abroad may be declined until the cardholder switches that use on.
• A cap on very large orders - RBI caps each cross-border payment through a PA-CB at ₹25 lakh, so a very large single order has to be split or paid another way.

What you sell changes how an Indian customer pays and what India's Goods and Services Tax (GST) asks of you, so match your setup to your product type.

• Physical products - You ship each order to India, so if you use PayU, it needs an airway bill number with every physical-goods order, and your product pages should say whether import duties are included in the price.
• Digital products - Software, apps or streaming reach the buyer as soon as they pay, so a UPI or card payment at checkout fits, though online information and database access or retrieval (OIDAR) sales to Indian consumers bring GST obligations for you.
• Services - Services are often quoted or invoiced, and many are high-value or project-based, which suits an INR invoice your customer pays on a hosted checkout such as Xflow's, outside Shopify checkout.

GST rules depend on what you sell and who buys it, so check which of these apply to your store.

• Digital products sold to consumers - Selling OIDAR services, such as software, apps or streaming, to Indian consumers generally means registering through form GST REG-10 and paying integrated GST (IGST), 18% for most such services today.
• Digital sales to Indian businesses - Since 1 October 2023, the consumer rule also covers unregistered businesses in India, while a GST-registered Indian business buyer normally accounts for the tax itself under reverse charge.
• Physical goods - Goods reaching India are charged customs duty and IGST when they are imported.
• The payment side - A non-bank company aggregating cross-border payments such as UPI for online merchants needs RBI authorisation as a PA-CB, while card payments settled by the card network sit outside it, so check your gateway's RBI status for UPI.
• GST on gateway fees - Indian guides often add 18% GST to gateway fees, but that GST is charged to India-registered sellers, so check your provider's invoice.

This is general information, not tax advice, so check your own position with a tax adviser.

Our checkout suits India sales that don't need the Shopify cart.

Because your customer pays on our hosted checkout rather than at Shopify checkout, Shopify's approved-partner gate doesn't apply to that payment, and a manual payment method carries no third-party transaction fee from Shopify.

Use it when an India sale starts with a quote or an invoice, such as an invoiced order, a high-value item or a pre-order.

To accept payments from India, you raise an INR invoice with us, your customer pays it by UPI or card, and the money reaches your account abroad.

On Shopify, a manual payment method is a workaround, not an integration: the order stays pending until you mark it paid by hand after we confirm.

For sales on your own site or app, a developer adds our checkout once, like any website payment integration, WordPress included.

On Shopify's published UK prices, moving from Basic to Grow pays for itself on the third-party fee alone once monthly third-party gateway sales pass about GBP 3,000 on yearly billing (GBP 4,000 monthly).

Grow to Advanced pays off past about GBP 52,500 (GBP 69,750). These count all third-party gateway sales, not India alone.

Here's who each option suits:

• Xflow - for invoiced, high-value or pre-order India sales on any Shopify plan, since orders you record through a manual payment method stay outside Shopify's third-party fee and outside these breakevens.
• PayU - if you want a Shopify app for Indian payment methods in Settings > Payments and can plan for some API work.
• Tazapay - if one plugin should cover cards and local payment methods in several markets, and you can confirm UPI and accept a 14-day hold on new sellers' card funds.
• Stripe - if you already run on Stripe and mainly take Indian cards, with UPI kept to Stripe's own pages.
• PayPal - if you run Shopify Payments and mainly want Indian card payments through PayPal, which then skip Shopify's third-party fee on every plan.

Whichever Shopify payment gateway for India you choose, place a real test order before launch, and see our guide to gateways for foreign companies for options beyond Shopify.