Customers want to pay by UPI or card on your website, but the payment gateway keeps rejecting your application? Here is what gateways check, which documents you need and how to set it up properly.
Taking payments on your website – by UPI, card, net banking or wallet – turns visitors into paying customers without phone calls or bank transfers. But many small businesses in India get stuck: the application is rejected, the account is put "on hold", or the website does not meet the gateway's rules. This guide explains how a payment gateway for website works, which documents and website pages you need, how to compare options, and how to set it up so payments run smoothly.
A payment gateway sits between your website and the banks. When a customer clicks "Pay":
You never handle card numbers yourself – the gateway does, which keeps you safer and makes compliance easier.
Payment gateways in India must verify every business (KYC) before they allow live payments. Typical requirements – exact lists vary by gateway and business type:
| Business type | Commonly asked documents |
|---|---|
| Individual / freelancer | PAN, Aadhaar or other address proof, bank account details |
| Sole proprietorship | Owner's PAN, a business proof such as GST certificate, Udyam registration or shop licence, current bank account |
| Partnership / LLP | Partnership deed or LLP agreement, firm PAN, bank account, partners' KYC |
| Private limited company | Certificate of incorporation, company PAN, GST certificate if registered, directors' KYC, bank account in the company name |
Keep a cancelled cheque or bank statement ready, and make sure the name on the bank account matches the business name you apply with – a mismatch is one of the most common reasons for delays.
Gateways review your website before approving live payments. Applications are often rejected because the website is incomplete. Before you apply, make sure your site has:
Our business website design checklist covers these basics in detail.
Popular options for Indian businesses include Razorpay, PayU, Cashfree, CCAvenue, PhonePe Payment Gateway and Paytm Payment Gateway. Compare them on:
For a small website, a gateway with a ready plugin for your platform and simple onboarding usually saves the most time.
How you connect it depends on your website:
Every gateway gives test keys first. Make several test payments – successful, failed and cancelled – before switching to live keys.
A webhook is a message the gateway sends to your website when a payment succeeds, fails or is refunded – even if the customer closed the browser. Set it up so:
If you issue GST invoices, make sure the paid amount and invoice match, and keep the gateway's settlement reports for your accounts.
Many gateways onboard individuals and small businesses without GST using PAN and bank details, depending on business type and expected volume. Requirements differ between gateways, so check their current KYC list before applying.
With complete documents and a ready website, activation often takes from a few hours to a few working days. Missing policies, a mismatched bank account or an unfinished website are the most common reasons for delays.
Most charge a percentage of each transaction, which can differ for UPI, domestic cards, international cards and EMI, plus GST on the fee. Compare the current pricing pages of a few gateways before choosing.
Usually a Contact page with business details, Privacy Policy, Terms and Conditions, Refund or Cancellation Policy, a Shipping policy for physical goods, clear prices and HTTPS on every page.
Not always. WordPress, WooCommerce and Shopify have ready plugins or settings. Custom websites and apps need a developer to integrate the API and verify payments on the server securely.
Adding a payment gateway to your website is straightforward when you prepare properly: collect the KYC documents for your business type, make sure your website has prices, contact details, policies and HTTPS, choose a gateway that fits your platform and payment methods, integrate it with test keys first, and use webhooks so every payment is recorded correctly.
Want online payments on your website without the hassle? Our e-commerce website service builds stores with payment gateways, invoices and order management, and our website design team can make your site gateway-ready. Contact us to get started. If you are just starting out, read our guide on how to start an online store in India.
Selling online in India has never been easier – if you plan it right. Follow these steps to launch an online store with payments, shipping and marketing in place.
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