Best Payment Gateway in India for Enterprise Omnichannel Payments
Trusted by banks, governments, and enterprises, Phi enables billions of transactions with unmatched security and efficiency.
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Why Your Business Needs the Best Payment Gateway
Enterprises can’t afford friction in payments. Here’s what’s holding you back:
Fragmented Channels
Multiple systems for online, offline, and payouts increase cost and complexity.
High Failure Rates
Transaction drop-offs lead to revenue leakage and poor customer experience.
Complex Compliance
BFSI and government norms delay merchant onboarding.
Limited Scalability
Legacy infrastructure fails under enterprise transaction volumes.
Phi Commerce Payment Gateway – Built for Scale & Security
Omnichannel Acceptance:
Cards, UPI, Net banking, Wallets, POS, QR in one gateway.
Higher Success Rates:
Smart routing, UPI switch, and retry logic for reliable transactions.
Enterprise-Grade Scalability:
Proven performance handling billions of transactions annually.
Unified Merchant Portal:
Real-time dashboards for settlements, refunds, and chargebacks.
Secure & Compliant:
RBI-licensed, PCI DSS certified, ISO 27001/9001 standards.
Supported Payment Methods
Key Features of Phi Commerce Payment Gateway
Instant Checkout
One-click checkout for repeat customers
Smart Insights
Real-time analytics & reporting
API-Driven
API-first integration for developers
Smart Security
AI-powered fraud detection
Adaptive Flows
Customizable payment flows
How Phi Commerce Payment Gateway Works
Why Choose Phi Commerce Over Other Payment Gateways
Getting Started with Phi Commerce Payment Gateway
Easy Sign-Up
Create your account and complete KYC in minutes.
Simple Integration
Connect using APIs or ready-to-use plugins.
Go Live Fast
Start accepting payments instantly.
Frequently Asked Questions
What is a payment gateway and how does it work in India?
A payment gateway is a secure technology that enables businesses to accept online payments from customers using cards, UPI, net banking, or wallets. In India, when a customer initiates a transaction, the gateway encrypts their payment data and routes it securely to the acquiring bank for authorization. Once approved by the issuing bank, funds are settled into the merchant’s account. Modern gateways like Phi Commerce offer unified APIs, faster settlements, and AI-driven fraud prevention for enterprises.
Which payment methods do Indian payment gateways support?
Most Indian payment gateways support a wide range of methods including credit/debit cards (Visa, Mastercard, RuPay), UPI, net banking, EMI, and mobile wallets. Phi Commerce goes further by enabling omnichannel acceptance online, in-app, and in-store with real-time settlement and reconciliation, giving merchants full visibility of their collections.
What are the charges or fees for using a payment gateway in India?
Payment gateway charges typically include a Merchant Discount Rate (MDR), which varies by payment method and transaction value. UPI transactions may have zero or minimal MDR, while cards and wallets usually attract 1.5–2%. Phi Commerce offers custom pricing for enterprises with large transaction volumes, ensuring cost efficiency and transparent settlements.
How long does it take for money to reach the merchant’s account?
Settlement timelines vary by provider. Generally, funds are credited within T+1 to T+2 business days. Phi Commerce enables faster settlements, even instant or same-day, depending on merchant requirements and integration setup a crucial advantage for businesses managing high cash flow.
Do I need a website to use a payment gateway in India?
No. Businesses can accept payments even without a website. Phi Commerce supports payment links, QR codes, and APIs for mobile apps or offline collections making it suitable for both online platforms and institutions like schools, NBFCs, or enterprises.
Is the payment gateway compliant with RBI and PCI DSS?
Yes. Phi Commerce is a licensed payment aggregator authorized by the Reserve Bank of India (RBI) and is PCI DSS Level 1 certified, ensuring the highest level of payment security and data protection. Compliance ensures merchants and customers are safeguarded from fraud or unauthorized access.
What payment modes are supported by PhiCommerce?
Phi Commerce supports all major digital payment modes in India, giving businesses and customers complete flexibility. These include:
UPI (Unified Payments Interface) – instant bank-to-bank transfers, UPI AutoPay, and recurring payments
Debit and Credit Cards – Visa, Mastercard, RuPay, American Express, Diners Club
Net Banking – direct payments from all leading Indian banks
Mobile Wallets – Paytm, PhonePe, Amazon Pay, etc.
EMI & Buy Now Pay Later (BNPL) – flexible payment options for higher-value transactions
QR Code Payments – scan & pay using UPI apps
Link-Based Payments – pay via SMS, WhatsApp, or email payment links
How does a payment gateway integrate with my website or app?
Integration can be done via RESTful APIs, SDKs, or plugins for platforms like WordPress, Magento, or Shopify. Phi Commerce provides developer-friendly APIs and complete technical support to ensure seamless integration without downtime.
What are common mistakes businesses make when choosing a payment gateway?
Businesses often overlook:
Settlement timelines
Downtime or failed transactions
Compliance and security standards
Lack of API flexibility
Phi Commerce eliminates these challenges with enterprise-grade reliability, 99.99% uptime, and RBI-approved infrastructure.
How can I reduce payment failures and increase success rates?
Choose a gateway with strong banking partnerships, intelligent routing, and real-time monitoring. Phi Commerce uses smart transaction routing and AI-based retry logic, improving success rates significantly even during peak load.
Can I offer multiple payment instruments in one transaction?
Yes. Through Split & Pay, Phi Commerce allows merchants to combine multiple instruments like partial UPI and card payments or split payments across vendors. This helps enterprises, marketplaces, and educational institutions manage complex settlement scenarios efficiently.
What is Split & Pay and how does it work?
Split & Pay is Phi Commerce’s proprietary feature that automatically divides incoming payments among multiple parties in real time such as institutes, acquirers, and vendors. It eliminates manual reconciliation, reduces errors, and ensures instant settlement transparency.