If you run an e-commerce website or want to start a new website or blog with an option for online selling of digital goods or e-books, then these free payment gateway plugins for WordPress might help you to create a secure payment solution.

You can easily create a free online shopping store in WordPress and WooCommerce makes it possible. Woocommerce is an open-source application for making your website a secure online shopping store and almost every WordPress theme supports WooCommerce Plugin.

There are lots of free payment gateway plugins for WordPress available in the WordPress Official repository, which you can install in your blog or website. But choosing the best Payment gateway solution, it is the foremost task. You should choose the right gateway provider by analyzing its pros and cons.

In India, you can instantly sign up for a free Payment Gateway company and convert your WordPress site into an online payment store. There are numerous commercial and free payment gateway plugins for WordPress already available. Some of them even support International Debit or Credit Card Payment.

Today, here in this article, we will discuss the Top 5 best free Payment Gateway Plugins for WordPress in India, if you want your own eCommerce websites or just wish to set up Digital Payment services for your Blog.

Contents hide

Factors to be considered before selecting a Right Payment Gateway

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

1. PayU

2. Cashfree Payments

3. Instamojo

4. CCAvenue

5. Paytm Payment Gateway

6. Razorpay

Conclusion

Factors to be considered before selecting a Right Payment Gateway

Nowadays online shopping or E-commercial market is gaining huge momentum in India. Every day a new e-commerce startup is coming out and people also love online shopping because it is convenient, fast, and several other factors.

Payment Gateway provides you an electronic payment solution for your e-commerce site. Some gateway providers give you the complete software package including free setup, support, and security, instead of only gateway access. Therefore selecting the right Payment Gateway is a must.

Fees: Before setting up any payment, the fee structure of the company must be considered. Some company offers free setup or free of any annual maintenance charges. But No one in this World gives you a free Payment Gateway solution. They deduct the charges from the debit or credit card transaction. Therefore, you must consider what percent of charges the company will deduct from a transaction made via Debit or Credit Card. There is also a different fee structure for Visa card or Rupay Card Payment or transaction through NetBanking.
Recurring Billing Option: You should also consider whether your gateway provider gives you the recurring payment option or not. Some gateway providers won’t give you the recurring payment option. If you run a subscription or online teaching blog where your customers have the payment option on a weekly or monthly basis, then you must require a recurring payment option in your Payment Gateway.
Settlement Period: Settlement period, i.e., you must consider after how many days, your payment will get deposited to your Bank Account. Some Gateway Payment providers in India settle your money on a T+2 or T+7 days basis. That is Transaction days plus the number of days. The shorter the period, you will get settle your money more quickly in your Bank Account.
Ease of Integration: How easily the Payment gateway integrates with your WooCommerce site, you must consider. Your Payment gateway integration should be hassle-free with the minimum documentation process.
Company Background: Before selecting the Payment gateway, you must consider the Payment gateway providers’ trustworthiness. You must check the company background, read user reviews who already use the gateway, for how many days they are in a similar field, etc.
Acceptability: You must verify if the gateway solution provider accepts all types of cards like Visa, MasterCard, or Rupay cards or if they can process the transaction from NetBanking, mobile wallet, or UPI payment and BNPL. If you have a customer base from an international location, you must consider whether the payment gateway company can process international Credit Cards, etc.
Mobile Optimisation: Nowadays 60% of users use a mobile or smartphone for online transactions or shopping. You must check if your gateway providers can integrate a payment solution for mobile-optimized sites.
User Interference: The payment gateway solution should be easy and user-friendly for both customers and merchants.
Support: The last and most important factor is reliable customer support. You must read the users’ reviews about how the gateway providers handle customer grievances before setting up your free payment gateway plugins for the WordPress blog.

Read also…

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

There are quite a few Payment Gateway Providers operating in India and some of them give you the option of free setup and Zero maintenance cost. Here, we try to gather the list of best free payment gateway plugins for WordPress & these are most suited for small blogs or freelance websites. You can easily sell online digital books or get paid for online courses by integrating these payment gateway plugins into your blog.

1. PayU

PayUMoney is India’s one of the best payment gateway solution providers in India and their Plans are affordable too. PayUMoney operates under the flagship brand of PayU India of Naspers Group. PayUMoney offers the cheapest payment solution in India and you can easily integrate PayU API with the WordPress Blog.

Key Features:

PayUMoney is safe and secure with PCI-DSS compliance.
Zero Set-up fee.
You can create and share payment links with customers via WhatsApp, Facebook, and Email.
Free WordPress Plugin for hassle-free integration with WooCommerce.
Easy integration with Website and Mobile platform with PauU API and SDK.
Wide Range of acceptability- Credit/Debit cards, NetBanking from all Indian Banks, UPI, Mobile Wallet, and BNPL Apps.
OTP-based Payments for the customer.
Create and send itemized invoices to customers via payment links.
Same-day settlement for the transactions done in India.
Major Banks EMI option.
Good customer support.

Set Up Fee: Zero

Annual Maintenance Fee: Zero

International Transaction: No

Transaction Charges: 2% per transaction.

Settlement: T+2 business days

Sign Up for PayUMoney from Here. (TDR waiver up to Rs.50000)

Download the WordPress Plugin here.

Version 5.5.2

https://github.com/payu-india/Woocommerce/blob/main/WooCommerce_v552_MultiCurrency_PayUBiz.zip

2. Cashfree Payments

Cashfree Payment is one of the leading Payment gateway service providers in India with 300000+ active merchants using Cashfree Payment gateway for their business payment solution. Cashfree payment gateway supports 120 payment options including 65+ net banking options, UPI, credit and debit cards, wallet, and BNPL. The onboarding process is completely free (Zero setup and AMC Fee) and digital, only you need a PAN and Bank account.

Cashfree Payment Gateway has the lowest TDR (only 1.95% per transaction for wallet, cards, and net banking) and it has a wide range of Web Integration APIs. You can easily integrate the Cashfree Payment gateway on your WordPress eCommerce website.

For WordPress Plugin installation, check out the guidelines at Github. Check out the complete Web Integration Process.

Key Features:

Lowest TDR (only 1.95% per transaction).
Free setup and No AMC fees. Complete paperless onboarding process.
120 Payment modes including UPI, Wallet, cards, and BNPL. 65+ Nebanking support.
Free plugins for WordPress, WooCommerce, Shopify, Wix, and many more. No Coding knowledge is required.
Collect online payments on your web or app using Easy Split, Payment Link, Auto Collect, etc.
PayPal Express Checkout for international transactions. Supports 30+ international currencies.
BNPL Checkout for all leading BNPL Apps in India.
Instant settlement within 15 minutes of payment capture. (For Indian Currencies)

Set Up Fee: Zero

Annual Maintenance Fee: Zero

International Transaction: Yes

Transaction Charges: 1.95% (For Wallets, Cards and Netbanking.)

1.90% For EMI, 2.20% For Pay Later

International Cards – 2.95%

GST- 18% for all transactions.

Settlement: 15 minutes for Indian Transactions, T+2 for international transactions.

Sign Up for Cashfree Payment Gateway

3. Instamojo

Founded in 2012, Instamojo also offers the cheapest Payment Gateway solution for Bloggers and freelancers in India. You easily sign up for Instamojo for free with Zero setup fee. Thousands of bloggers in India use Instamojo for their small payment solutions like selling digital ebooks, online courses, or any other services using the Instamojo payments link which can easily be created from the Instamojo dashboard. You have also the option to share payment links through WhatsApp and get paid directly to your Bank Account.

Key Features:

Hassle-free sign-up with only a PAN card and Bank Account.
Zero set up and maintenance fee.
PCI complied.
Accepts UPI, Mobile wallet, IMPS, Credit/Debit cards, and net banking from all Indian Banks.
Create easy payment links for different products from the Instamojo Dashboard.
Whatsapp payment option for sharing direct payment links.
Easy integration with Android SDK or iOS SDKs.
Free WordPress/WooCommerce Plugin.
Private API Key for secure Website integration.
Good and reliable customer support and no negative reviews.

Set Up Fee: Zero

Annual Maintenance Fee: Zero

International Transaction: Yes

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.

Sign up for Instamojo for free.

Instamojo offers the best and cheapest payment gateway option for small bloggers or freelancers in India. You can easily integrate your WordPress Blog with a free Instamojo WordPress Plugin.

4. CCAvenue

One of the largest Payment gateway providers in the world and thousands of merchants use CCAvenue for their shopping store’s E-Payment solution. You can collect your Blog’s payments across the Globe with minimum transaction fees.

CCAvenue offers two types of gateway networks- Startup Pro and Privilege. Start-Up Pro is completely free to set up. CCAvenue provides one of the most robust and industry-standard security solutions for payment processing with only PG solution providers in the region.

Key Features:

One of the largest Payment gateway providers in India after BillDesk.
Accepts IMPS, UPI, Mobile wallet, Credit/Debit cards, and net banking from all Indian Banks.
100+ Visa/Rupay/Maestro/MasterCard Debit and Credit cards, all Indian Banks NetBanking.
4+ Cash cards and 8+ e-wallets in India.
Free CCAvenue Fraud & Risk identification system and PCI Complied.
EMI option from major Indian Banks.
Private API Key for secure Website integration.
QR Code support.
Android and iOS SDK.
International Visa/MasterCard Payment option and multicurrency support.
Free Payment Gateway Plugins for WordPress.
Reliable Customer support.

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%

Download the CCAvenue WordPress Plugin.

CCAvenue is best suited for you if your customer base is from an International location.

5. Paytm Payment Gateway

Paytm is a well-known mobile e-wallet service provider in India and growing very rapidly to catch up with the other biggest names in Payment Gateway providers like Billdesk or CCAvenue in India.

Paytm also provides a free merchant payment solution for small blogs or freelance websites with free website integration. You can easily create a free Paytm business account and start receiving digital payments on your blog.

Key Features:

Easily create a Paytm business account with your existing Paytm mobile wallet ID.
Zero setup and AMC Fees.
Cheapest transaction fees amongst the Indian Payment gateway providers.
PCI Complied
Easy WooCommerce integration with WordPress Plugins.
Instant Money deposit in Wallet, though settlement in Banks may take up to 7 days.
Android and iOS SDKs.
Accepts major Indian Banks Visa, MasterCard, Rupay, Maestro Debit and Credit Cards, NetBanking, UPI, IMPS, or Mobile Wallet.
Create and share payment links via WhatsApp, SMS, or Email.
QR code supported.

There are some negative reviews and disadvantages of the PayTM Payment gateway in India.

Cons:

Customer support is not so reliable.
Less user-friendly interface.
The settlement period is longer than other gateway solution providers in India.
Not support every Indian bank’s Debit Cards/NetBanking.
International Credit Card payment option not available.

Set Up Fee: Zero

Annual Maintenance Fee: Zero

International Transaction: Yes

Settlement: T+7 Business Days

Transaction Charges: 1.99% + GST

Download the WordPress Plugin for PayTM.

6. Razorpay

Founded in 2013, this India-based company is also one of the most popular and free Payment gateway solution providers for small bloggers or merchants. RazorPay also offers direct payment links which you can share through Facebook or WhatsApp.

You can easily set up a RazorPay payment gateway in your WordPress Blog or merchant website without any extra cost.

Razorpay has recently started the issuance of an instant refund facility for customers, which means customers do not have to wait 5-7 days to settle the money in their bank account or credit card.

Key Features:

Easy sign-up with minimum documentation process.
Cheaper Transaction Charges.
Instant Refund.
PCI compliant and secured.
Private API and Webhooks.
Direct Payment Links which you can share through Whatsapp or FaceBook.
User-Friendly and Easy-to-Understand Dashboard.
OTP-based 3D secure transaction option.
Subscription Option, i.e. you can generate recurring payment service for your customers.
Partial Payment supports.
eCOD and ePOS options.
Accepts payments from all major Indian Credit/Debit cards, UPI, IMPS, and Mobile wallets.
Reliable customer support.
Free payment gateway plugins for WordPress.

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

Sign Up for RazorPay India here.

Download WordPress Plugin for RazorPay.

Note: RazorPay right now does not support individual unregistered business entities.

Conclusion

Here in this article, we try to cover the best and free payment gateway plugins for WordPress websites or blogs in India and these are most suitable for small bloggers or freelancers like us. We recommend you check reviews from every source before integrating it into your WordPress Blog or eCommerce websites.

You can share your experience with us in the comment section. You can also connect with me on the Facebook Official Page.

Read More…

This post may contain affiliate links. For more details, see Affiliate Disclosure .