In this article, I focus on the Best Crypto Payment Gateways in India where I launch into platforms that help businesses accept cryptocurrency with ease.
I look into local exchanges like WazirX, Unocoin, and global ones like BitPay and Plisio. Such solutions allowvendors handle crypto transactions
Settlements in INR and compliance with regulations with ease. For cross-border payments or e-commerce, the importance of having the right gateway cannot be overstated.
Key Points & Best Crypto Payment Gateways In India
| Gateway | Key Features |
|---|---|
| Paycio | Supports BTC, ETH, USDT; INR conversion; fast settlement; Indian compliance |
| Mintoak | Localized crypto support; merchant tools; seamless integration with Indian banks |
| Unocoin Merchant Gateway | Built by India’s oldest crypto exchange; BTC payments; INR payouts |
| KoinX | Tax-compliant crypto invoicing; analytics; ideal for freelancers and SMEs |
| ZebPay Pay | ZebPay’s merchant solution; BTC, ETH support; secure wallet integration |
| BitPay India | Global leader with Indian support; multi-coin; robust APIs |
| NOWPayments India | Non-custodial; supports 100+ coins; auto-conversion to INR |
| Cashaa | UK-India crypto banking; B2B payments; INR and crypto dual support |
| WazirX Merchant Tools | Exchange-backed gateway; secure transactions; INR conversion |
| Plisio India | Easy integration; low fees; supports WooCommerce, Shopify |
10 Best Crypto Payment Gateways In India
1. Paycio
Paycio facilitates cryptocurrency payments for users and businesses through mobile numbers, QR codes, and wallet addresses.
It simplifies cross-chain transactions and avoids the hassle of wallet addresses and even supports offline payments.
As India has diverse crypto adoption, these features are helpful. Moreover, Paycio has a focus on affordable and quick settlement, making it apt for remittance and cross-border payments.
For Indian merchants wanting to accept crypto, Paycio presents an innovative alternative, but focus regulations around cryptocurrency in the country continue to pose challenges.
| Feature | Description |
|---|---|
| Payment Modes | Supports crypto transfers via mobile number, QR code, or wallet address. |
| Cross-Chain Transactions | Allows transactions across multiple blockchains, removing network limitations. |
| Offline Payments | Can process payments even without immediate internet connectivity, useful in India’s varied infrastructure. |
| Low Fees | Focus on minimizing transaction and conversion costs. |
| Rapid Settlement | Transactions are confirmed quickly, supporting both domestic and cross-border payments. |
| User-Friendly | Simplifies crypto use for merchants and customers unfamiliar with digital assets. |
| Regulatory Awareness | Designed with Indian crypto regulations in mind, though legal clarity is evolving. |
2. Mintoak
Mintoak is an Indian‑based SaaS payments and merchant commerce enablement platform that primarily serves banks and SMEs.
While not exclusively a crypto payment gateway (it focuses on digital payments broadly), its infrastructure for merchant onboarding
QR/link‑based payments and supporting backend tools make it relevant to digital commerce in India.
The platform is API‑first, modular and cloud‑native, enabling banks to provide merchants with full payment stack and engagement tools.
Indian SMEs can benefit from its ability to integrate digital payment modes, though direct crypto‑gateway support may be less clearly documented.
| Feature | Description |
|---|---|
| Merchant Onboarding | Streamlined tools for onboarding SMEs and merchants efficiently. |
| API-First Architecture | Enables banks and businesses to integrate payment functionality into existing systems. |
| QR/Link-Based Payments | Accepts digital payments via QR codes or payment links. |
| Cloud-Native & Modular | Scalable infrastructure suitable for growing businesses. |
| Backend Tools | Offers analytics and management tools for merchants. |
| Broad Payment Support | Supports multiple payment types; crypto integration less clear. |
| SME-Focused | Specifically designed for Indian small and medium businesses. |
3. Unocoin Merchant Gateway
Unocoin is an Indian cryptocurrency exchange established in 2013, known for being among the early pioneers in India.
The concept of a “merchant gateway” via Unocoin refers to its ability to enable merchants and businesses in India to accept crypto payments or convert crypto to INR for withdrawals.
Through Unocoin, businesses can integrate a payment route for cryptocurrencies, giving Indian merchants exposure to digital assets while ensuring bank‑settlement in INR.
Its long track record within India gives it a local‑market advantage, though as with all crypto gateways in India, regulatory and tax compliance must be carefully managed.
| Feature | Description |
|---|---|
| Crypto Acceptance | Allows merchants to accept cryptocurrencies directly. |
| INR Settlement | Converts crypto payments into Indian Rupees for bank deposits. |
| Established Exchange | One of India’s oldest crypto exchanges, building trust among merchants. |
| Merchant Integration | APIs and tools for integrating crypto payments into e-commerce. |
| Regulatory Compliance | Helps merchants comply with Indian crypto regulations. |
| Multi-Currency Support | Supports multiple major cryptocurrencies for transactions. |
| Local Market Expertise | Extensive knowledge of Indian market and taxation. |
4. KoinX
KoinX has a wider focus beyond simply being a payment gateway, as its primary functions focus on being a crypto tax software and portfolio tracker.
(KoinX) They offer support for transaction import from more than 800 exchanges and wallets, provide real-time reports, and assist Indian customers in meeting crypto tax obligations.
(KoinX) While the role of a payment gateway may be limited, KoinX can be used alongside crypto payment infrastructure, and, within India
KoinX’s tax accounting and tax reporting functions on crypto payments will handle most of the accounting. KoinX’s primary value does lie in the post payment tax accounting.
| Feature | Description |
|---|---|
| Crypto Tax Compliance | Tracks transactions across exchanges for accurate reporting. |
| Portfolio Tracking | Allows users to monitor holdings and performance. |
| Transaction Import | Supports data import from 800+ exchanges and wallets. |
| Real-Time Reporting | Provides up-to-date analytics and tax reports. |
| Post-Payment Utility | Focused on accounting and compliance rather than front-end payments. |
| Indian Tax Focus | Tailored to Indian virtual digital asset taxation rules. |
| Business Integration | Can complement merchant systems for financial reporting. |
5. ZebPay Pay
As one of the oldest crypto exchanges in India, ZebPay has a suite of crypto services which includes mention of payment gateway integrations and crypto-fiat bridging.
(ZebPay) One of ZebPay’s integration services offered through their blog explains how crypto asset gateways can enable merchants to accept digital payments and perform settlement in fiat.
(ZebPay) For Indian merchants, ZebPay Pay (if offered as a gateway) may leverage the exchange’s infrastructure to accept crypto payments
But potential users should check details of merchant tools, settlement currencies (INR vs crypto) and regulatory compliance.
| Feature | Description |
|---|---|
| Crypto Payments | Enables merchants to accept digital assets. |
| Fiat Settlement | Converts received crypto into INR for business use. |
| Exchange Infrastructure | Leverages ZebPay’s established trading systems. |
| Merchant Tools | Offers APIs and plugins for integration. |
| Regulatory Compliance | Supports adherence to local crypto laws. |
| Multiple Cryptocurrencies | Accepts top cryptocurrencies for merchant payments. |
| User Trust | Benefit of ZebPay’s long-standing reputation in India. |
6. BitPay India
BitPay is a globally recognized crypto-paved payment system, enabling merchants to integrate cryptocurrencies and convert to fiat.
In India, BitPay’s relevance comes via partnerships (e.g., partnerships with Indian entities for Bitcoin payments) and its sustained payments infrastructure, wallets, and merchant support.
For Indian businesses with aspirations for a global footprint, BitPay is a valuable trust anchor. Still, due diligence is warranted on conversion to INR, Indian regulations, and on-the-ground support.
| Feature | Description |
|---|---|
| Global Merchant Support | Accepted internationally for cross-border payments. |
| Crypto-to-Fiat Conversion | Converts received crypto into fiat currencies like INR. |
| Wallet Tools | Offers merchant wallets and invoicing. |
| Low Fees | Competitive transaction and processing fees. |
| Secure Transactions | Industry-standard security for crypto payments. |
| Integration Options | APIs, plugins, and invoicing for online businesses. |
| Regulatory Awareness | Supports Indian entities with necessary compliance guidance. |
7. NOWPayments India
NOWPayments is a cryptocurrency payment gateway with over 200 cryptocurrencies, auto-conversion, and low commission fees. It also offers diverse settlements (links, APIs, plugins).
The company is noted to be emerging in the Indian market in 2024-25. Its diverse crypto supports multiple settlement options due to flexibility and is ideal for Indian e-commerce merchants seeking to integrate a wide range of crypto options.
Indian merchants need to pay close attention to regulatory compliance surrounding tax and payments, banking integration, settlement, and options.
| Feature | Description |
|---|---|
| Multi-Crypto Support | Accepts over 200 cryptocurrencies. |
| Auto Conversion | Automatically converts crypto to desired fiat or stablecoin. |
| Integration Flexibility | APIs, links, and plugins for websites and apps. |
| Low Fees | Minimal processing fees (~0.5%-1%). |
| Settlement Options | Supports crypto or fiat payouts for Indian merchants. |
| International Compatibility | Suitable for both domestic and cross-border commerce. |
| Regulatory Compliance | Helps Indian businesses align with tax and crypto laws. |
8. Cashaa
Cashaa is a neo‑bank / crypto account platform that offers hybrid fiat‑crypto services, including wallets for crypto and fiat, deposit/withdrawal support in India, and “banking‑style” services for crypto holders.
For merchants, Cashaa may offer payments infrastructure where funds can be received in fiat or crypto, and managed via a “crypto bank” model.
Given its Indian‑facing launches, it may support businesses that accept crypto and want to manage fiat flows, though its primary focus is broader than pure merchant payment gateway functionality.
| Feature | Description |
|---|---|
| Hybrid Wallet | Supports both crypto and fiat balances. |
| Bank-Like Services | Provides deposit, withdrawal, and payment functionalities. |
| Merchant Payments | Can be used to receive payments in crypto or INR. |
| Crypto Banking Model | Offers tools to manage crypto funds like a bank account. |
| Indian Integration | Services tailored to Indian users and businesses. |
| Multi-Currency Support | Handles multiple cryptocurrencies. |
| Regulatory Awareness | Ensures operations are aligned with Indian regulations. |
9. WazirX Merchant Tools
WazirX is a major Indian crypto exchange; the “Merchant Tools” component refers to its suite of business‑facing products allowing merchants to integrate crypto payments, accept and settle digital assets.
Given its local presence and user base, WazirX Merchant Tools can be a strong option for Indian businesses looking to accept crypto payments with local settlement options
User familiarity and local support. (Although note: WazirX has had regulatory and operational challenges in recent times.)
Businesses should verify current status, terms of service, settlement process (INR/crypto), integration complexity, and compliance with Indian regulations.
| Feature | Description |
|---|---|
| Crypto Payments | Accepts cryptocurrencies for business transactions. |
| INR Settlement | Converts payments into Indian Rupees. |
| Merchant Dashboard | Provides analytics and transaction management. |
| API & Plugin Support | Easy integration with e-commerce platforms. |
| Local Support | Strong presence and support within India. |
| Regulatory Alignment | Helps merchants comply with Indian crypto laws. |
| Established Exchange | Leverages WazirX’s large Indian user base for trust. |
10. Plisio India
Plisio is as a worldwide recognised cryptocurrency payment system which facilitates payments in a variety of different cryptocurrencies.
Plisio provides a wide range of services which include APIs, invoices, mass payouts, plugins, and has low transaction fees of about 0.5%.
Plisio helps merchants in India, who have an international clientele, with simple and easy integrations for cross border eCommerce.
Nonetheless, Indian merchants should first confirm whether INR is supported as a Plisio payout option or whether Indian merchants will need to convert their foreign INR to fiat/crypto.
This is because Plisio has Indian integrations for INR settlements, local bank integrations, and local compliance for regulations.
| Feature | Description |
|---|---|
| Multi-Crypto Support | Accepts numerous cryptocurrencies globally. |
| Low Fees | Transaction fees around 0.5%. |
| API & Plugins | Offers robust integration options for merchants. |
| Invoicing & Mass Payouts | Supports invoicing clients and batch payments. |
| International Focus | Ideal for merchants targeting global customers. |
| Fiat Conversion | Check INR settlement availability for Indian banks. |
| Easy Integration | Minimal technical setup required for merchants. |
Conclsuion
To sum up, Paycio’s mobile-friendly, cross-chain payment solution, WazirX, and Unocoin’s locally trusted gateways are some of the options available for merchants in India.
For the international market, gateways such as BitPay and Plisio are available, but for crypto and cash solution flexibility, NOWPayments and Cashaa are good options.
Factors influencing the selection of the right payment gateway include the coins and crypto cash-out support, preferred method of cash-out, ease of set up and the rules of the region.
FAQ
Which gateway is best for cross-border payments?
Paycio, BitPay, and Plisio are suitable for international transactions.
Are fees high for crypto payments?
Fees are generally low, around 0.5–1%, but vary by gateway and crypto type.
Do these gateways support multiple cryptocurrencies?
Yes, gateways like NOWPayments, Plisio, and BitPay support dozens or hundreds of cryptocurrencies.
Which gateways are popular in India?
Paycio, WazirX Merchant Tools, Unocoin, ZebPay Pay, BitPay India, NOWPayments, Cashaa, Mintoak, Plisio.
What is a crypto payment gateway?
A platform that allows merchants to accept cryptocurrency payments and often convert them to fiat like INR.
