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Payment Gateway Services

Payment Gateway Services

A payment gateway is an ecommerce service that processes credit card payments for online and traditional brick and mortar stores. Payment gateways facilitate these transactions by transferring key information between payment portals such as web-enabled mobile devices/websites and the front end processor/bank.

Payment gateways fulfil a vital role in the ecommerce transaction process, authorizing the payment between merchant and customer. Popular payment gateways include PayPal / Braintree, Stripe, and Square.

How payment gateways work

When a customer places an order from an online store, the payment gateway performs several tasks to finalize the transaction:

Clearing Transactions

The steps outlined above are repeated in an effort to “clear” the authorization via a consummation of the transaction. However, the clearing is only triggered once the merchant has actually completed the transaction (shipping the order). The issuing bank changes the “auth-hold” to a debit, allowing a “settlement” with the vendor's acquiring bank. The processor is then relied upon to settle all of the vendor's approved authorizations with the acquiring bank at the end of the day.

Other Payment Gateway Functions

Payment gateways also screen orders with a myriad of helpful tools. This screening process filters out as much fraud as possible. Examples of gateway fraud detection tools include:

Delivery address verification

AVS checks

Computer finger printing technology

Velocity pattern analysis

Identity morphing detection


Payment gateways even calculate tax amounts to authorize requests transmitted to the processor.

CCAvenue is South Asia's largest payment gateway solution powering 85% of eMerchants in India with real time, multi-currency, multiple payment options online payment processing services. CCAvenue is the only complete PG solution in the region that has the unique ability to offer the full spectrum of Internet payment options.


Maximum Payment Options

  • 7 Credit Cards
  • 53+ Net Banking
  • 98+ Debit Cards
  • 7 ATM Cards
  • 48 Bank's IMPS
  • 16 Prepaid Instruments
  • 12 Bank EMI

Multiple Currency Processing

Go Global, deliver localized buying experience and avoid conversion disputes.Collect payments in 27 major foreign currencies and allow your customer to pay in the currency they know best.

  • Indian Rupee
  • Singapore Dollar
  • Pound Sterling
  • American Dollar
  • Omani Rial
  • Bahraini Dinar
  • UAE Dirham
  • Euro
  • Canadian Dollar
  • Swiss Franc
  • Baht
  • Sri Lankan Rupee
  • Malaysian Ringgit
  • Qatari Riyal
  • Hong Kong Dollar
  • Kuwaiti Dinar
  • Bangladesh Taka
  • New Zealand Dollar
  • Australian Dollar
  • Nepalese Rupee
  • Chinese Yuan Renminbi
  • Japanese Yen
  • Kenyan Shilling
  • Mauritius Rupee
  • Philippine Peso
  • Saudi Riyal
  • South African Rand

Multilingual Checkout Page

Deliver a "localized" shopping and payments experience and reach out to all sections of consumers.CCAvenue multilingual checkout page offered in 18 major Indian and International languages provides a wider global reach. It engages consumers who prefer content in their native languages resulting in an enhanced user experience and increased transaction success rates.

Indian Languages

  • Hindi
  • Marathi
  • Gujarati
  • Bengali
  • Tamil
  • Telugu
  • Kannada
  • Punjabi

International Languages

  • English
  • Arabic
  • Chinese Simplified
  • Chinese Traditional
  • French
  • Deutsch
  • Italian
  • Japanese
  • Portuguese

Easy Customization

Design to complement your website.

Customize the CCAvenue Payments page to the look & feel that suits your website. Upload your brand logo and modify the colour scheme to create a truly branded and seamless experience for your customers.

Our brand-new Look-n-Feel editor lets you preview your Payment Page as you're making changes to it.

Retry Option

Purposefully imagined, intelligently coded.When the customer's transaction fails due to reasons like wrong card details, incorrect payment option selected, bank downtime, etc., going through the entire process of filling the payment details can be tedious and time consuming.

With our smart retry system, these steps can be avoided and instead the customer is redirected to an intermediary page showing the reason of the failure. He gets up to three attempts to use the same payment option or choose an alternate payment option to complete the purchase successfully.

Retry option helps reduce number of abandoned transactions and boosts success rate more than 15%!

Smart Dynamic Routing

Imagination meets reality. Switch transaction dynamically depending on bank's performance to ensure consistently high success rates .

On opting for CCAvenue's services, gateways of multiple banks are assigned across your account. CCAvenue's smart system detects the best performing gateway in terms of success rates and routes your transaction through it. In event of downtimes, scheduled maintenance breaks, load on the bank servers etc., CCAvenue's intelligent algorithms identifies the drop in success rates and automatically routes transaction through another bank's gateway. This ensures that the conversion statistics always remains on the higher end.

CCAvenue Checkout

Comfortable and convenient checkout experience for repeat customers.CCAvenue Checkout offers a smooth, fast and frictionless buying experience. This feature enables customers to store their credit and debit card credentials, billing and shipping details in a PCI compliant environment for future use. Card details are saved in an encrypted form and returning customers have to only enter the CVV and 3-D secure password when doing their next transaction.

This facilitates speedy transactions, better customer retention, and encourages repeat purchases.

Card Storage Vault

Your customers, your data

The CCAvenue Card Storage Vault is designed to securely store and recall your customer’s card details for more efficient and faster repeat transactions. Customer’s card detail is encrypted and securely stored against a unique token/identifier sent by you at the time of initiating the transaction, ensuring that this data is used by your customers exclusively for your website. Our simple API allows you to reuse stored card information for future transactions without

CCAvenue Store Front

No Website? No Problem.

CCAvenue offers a fully customizable store front to its merchants who do not have a website for FREE. No technical or design expertise is needed to create a beautiful online store with CCAvenue.

Simply choose a template, upload unlimited products, customize your online store, and begin accepting orders online.

CCAvenue store front is designed using Responsive Web Design approach and is optimized for all devices. Your customers can browse and buy from your store while on the go, using any mobile phone or tablet! Bring your store in the hand of your customers

CCAvenue Shopping Cart

Already have a website, use the FREE CCAvenue shopping cart.Integrate the CCAvenue Shopping Cart with your website and start selling online in less than 24 hours with the most basic HTML knowledge.

Simply add your products details, insert "Add to cart" button for all products and link it to the CCAvenue gateway. Customize the shopping cart page to match the look of your website and you're ready to sell online.

CCAvenue Shopping Cart is designed using Responsive Web Design approach and is built to adapt to all devices. This enables your customers to shop even on the go.

Shopping Cart Plugins

CCAvenue is the most preferred payment gateway for dozens of shopping carts, with more and more integrating every day.

We also have developed CCAvenue integration API's for the following third party shopping carts:

  • Buildabazaar
  • Cubecart
  • Drupal
  • Interspire
  • Joomla
  • Magento
  • Magento Go
  • Martjack
  • Moodle
  • NopCommerce
  • Opencart
  • OsCommerce
  • PrestaShop
  • VirtueMart
  • WordPress
  • ZenCart

iFrame Integration

Redefined user experience. Collect card credentials and accept payments on your checkout page using our secure iFrame integration without being PCI DSS certified.

Reduce payment hops and allow customers to make secure payments without leaving your webpage for a seamless brand experience.

Responsive Checkout Page

Smartly engineered for all devices.CCAvenue transaction pages are designed using Responsive Web Design approach. It automatically optimizes the page for any device, be it smartphones, tablets, desktops or laptops.

It looks great and enables easy reading and navigation with minimum resizing, panning, and scrolling, providing an optimal transacting experience for your customers on-the-go.

Marketing Tools

Features that complement your marketing efforts. Enhance your marketing and sales efforts, attract more customers and earn more, with our range of Marketing Tools. Create, manage and showcase your offers and promotions to your customers.

Discounts: Offer flat or percentage discount on your product price.

Promotions: Strategize bank alliance to run BIN based promotional campaigns.

CCAvenue S.N.I.P

Social Network In-stream Payments

Monetize your Social Network Platform.Sell products and collect payments in-stream across social network instantly and reach out to fans, friends and followers through social media. No more "Shopping Carts", No more "Proceed to Pay" and No more "redirection to merchant website" - Just Snip Through!

Invoice Payments

Faster, easier way to invoice.Research shows that invoices are paid more quickly when online payment is enabled. CCAvenue makes invoicing easy, automatic, fast and accurate. Create itemized invoices in multiple currencies in under a minute!

Smart Analytics

Transparency to the core.We provide a beautiful set of real-time statistical reports with complete transparency to get a 360° view of your business performance in the competitive online industry. Our insightful data analytics helps analyse performance and maximize your business potential.

CCAvenue Brand 360°

Know your customers, like never before.

CCAvenue Brand 360° gives clear and comprehensive picture of the overall health of your online business as well as the visibility of your brand on leading Social Networks. View feedbacks and engage with your fans on Social Media.

Monetize on your Brand presence and reputation to the fullest!

CCAvenue PhonePay

Transaction just a Phone call away!CCAvenue PhonePay is perfect for businesses that have customers who prefer to pay over the phone. We provide an enterprise-level secure IVR (Interactive Voice Response System) that enables you to collect payments securely over the telephone through an automated voice prompt driven process without the equipment, hosting, programming or recurring maintenance costs.

You can securely collect payments without the telesales executive getting access to your customer's confidential card data as these details are entered using the telephone keypad which cannot be deciphered.

Dynamic Event Notification

When automation matters the most.CCAvenue enables you to register URLs for various events that occur in your account. When the event occurs, CCAvenue creates an event object that contains all the relevant information and posts this request with the event object to the URL in your account's dynamic event notification settings.

Dynamic Event Notification notifies you about the events that happen in your CCAvenue account to take timely action towards it

Live Monitoring Pro

When precision matters.CCAvenue Live Monitoring Pro is a transparent, real time monitoring tool that constantly monitors the health of bank servers by performing automated and manual checks for server and transaction status.

Receive real-time updates of bank servers experiencing downtime or fluctuations, prior alerts for scheduled downtime of banks, transaction status and recovery status as intimated by the banks. These updates enable you to take timely corrective actions ensuring best success and better user experience

CCAvenue F.R.I.S.K

Fraud & Risk Identification System & Knowledgebase

With a combination of best practices, leading technology and human intelligence, the CCAvenue F.R.I.S.K. engine provides an unprecedented level of risk detection and helps assess each transaction against a negative database collected over a decade and is verified by our dedicated risk management team over 150 variables like high risk global IP address verification, BIN number mapping, Keystroke speed recording etc.

CCAvenue also provides you personalized transaction controls like velocity checks and blacklist controls to set specific criteria to limit their risk exposure.

Velocity Checks: You can define a simple velocity filter for several parameters and all the transactions will be passed through the velocity filter before being processed. Blacklist Controls: Based on your data of negative transactions you can restrict fraudsters from transacting on your site by blocking their Country, Email ID, Card Number or Geo IP location.

Fastest Activation & Easy Integration

Go live in an hour!

Your CCAvenue account gets activated within 1 hour of your registration. You can get started with your online business immediately after activation, irrespective of whether your website is live or not.
*Conditions Apply

Integrating CCAvenue on your site is easy and involves minimal cost and effort. Our fast and seamless integration APIs, detailed integration kit and our well defined internal processes, enables you to get started with your online business in the shortest possible time.

Super Support

A dedicated team of experts, ready to help.We strongly believe that 'Our Success Lies in Your Success'. Our experienced team of engineers are empowered to solve your queries using email, chat and telephone - whenever you need it, 24x7x365. We also have dedicated relationship managers allotted to clients with huge volumes.

No scripted answers or one-size-fits-all solutions here: just the support your business needs.

BillDesk - is a useful service that provides you a single point of contact for all your payment needs. At BillDesk you can pay your bills and make other payments online. Instead of writing a cheque each time, now you can use any device connected to the Internet (computer, kiosk, etc) and make payments with the click of a mouse. No more late payments, no more queues, no more hassles of depositing cheques. In effect, through BillDesk you can now make All Your Payments at a Single Location, anytime you wish to.

BillDesk is simple, convenient and secure!

How does it work?

  • You need to first register at BillDesk to receive bills and make online payments.
  • After registering, you select your billers and payees from whom you wish to receive your bills electronically and have the option of making online payments. BillDesk has business arrangements with various billers and payees who make available your bill data and who accept payments received through BillDesk.
  • Thereafter, each time your biller raises a bill,BillDesk will present it to you online and also notify you about the new bill arrival via email. Your biller/payee will continue to send you the regular paper bill.
  • You can review your entire bills online, decide and authorise when and how much to pay and select the bank account from which you wish to make the payment.
  • We then process your request and your bank makes the payment from your account as per your instructions.
  • Once your payment has been received by the biller/payee, we will confirm the successful completion of your payment to you and electronically file the bill for your reference.

How do you benefit?

  • You receive your bills online and can make your payments 24 hours a day, 7 days a week, 365 days a year
  • You can use your existing bank accounts to make payments
  • You receive timely emails that remind you to pay your bills
  • You can track status of your payments and be in total control
  • You can choose when and how to pay - click-pay and auto-pay
  • You can store your bills, maintain a record of your payments, and analyse how you have spent your money
  • You get instant Help for any queries
  • You receive total security and privacy while making payments.


Comprehensive online bill payment and management service

BillDesk offers you a comprehensive online bill payment and management service that will make paying bills simple and easy. Click on any of the following links to get an overview of our key features.

  • Online access anytime, anywhere
  • Bill payment and tracking
  • Click-pay and Auto-pay
  • E-mail notifications
  • Use your existing bank account
  • Electronic checkbook
  • Analysis Tools
  • Archiving your payment records
  • Customer Support

Online access anytime, anywhere

BillDesk service is available to you round-the-clock for 24 hours a day, 7 days a week and 365 days a year. You can access BillDesk through any device connected to the Internet and make payments online. So you're not limited to paying your bills from home or from the office.

Bill payment and tracking

Stay on top of your payments! BillDesk lets you track the status of all your current bills and payments, in one easy-to-read format. From your "New Bills" folder you will know instantly which bills are due for payment and your "Scheduled Bills" folder will let you know details of the bills that you have scheduled for payment or those that are being processed for payment.

Click-pay and Auto-Pay

We will never let you miss a payment!. Instruct us (click-pay) when you need to pay and we’ll complete it on your behalf. Through the Auto-pay feature, your recurring bills and expenses will be paid automatically as long as they are within the limits pre-determined and set by you. We’ll even check that your bill is not more than a set amount so that you’re always in control. Check out how the Click-pay and Auto-pay features work!

Email Notifications

Get the information you need to stay on top of your bills, no matter where you are. We’ll send you an email:

  • when a bill arrives
  • when you schedule a payment
  • before the payment becomes overdue
  • confirming that the payment has been made

Check out the specific email notifications, reminders and confirmations that you can configure at BillDesk to make bill paying easier!

Use your existing bank account(s)

We do not require you to open a new bank account to avail of the BillDesk service. You can use your existing one itself! Pay from a single bank account or from multiple accounts.

Electronic Checkbook

Each bank account that you have set up will allow you to make payments to payees. It is simpler than giving instructions to your banker.

Analysis Tools

Want to know how you’re spending your money? Use our "Expense Analysis" feature to understand your spending pattern through charts. It’s the first step towards managing your finances.

Archiving your payment records

BillDesk provides you with the facility of storing all your payments for a period of twelve months online. Through the "Bill Archives" folder, you can retrieve and generate customised reports of all bills and payments that you have made so far (by date, biller and payment source). In addition to the above we also store all bills and payment details offline that can be made available to you on request.

Customer Support

BillDesk is committed to making bill paying easier for you and has a dedicated customer support team at your service. For any queries relating to joining or using the BillDesk service, you can speak directly to our customer service representative.



Manage your bill and expense records in one convenient location. Harness the power of the Internet to receive, review and pay your bills. Eliminate the hassle and streamline your payment process.

Flexibility and Control

Set up auto-pay and reminders to be in control of your payments. Make payments from your existing bank accounts.

Effective Tracking

Check which bills are due, and know which payments have been sent. Also see what has happened to your payments that you scheduled. Manage all your information online. Access your online archives from anywhere.

Time and Money Savings

BillDesk helps eliminate your task of sorting and meticulously managing your bills and following up whether the payments have been made.

Customer support

Our dedicated customer support representatives would be delighted to assist you in answering any of your queries.


Easiest way to go online

Anyone can setup

Whether you are a service provider, online store, exciting startup or growing market place, we enable businesses of all sizes across India to accept mobile and online payments with minimum development effort.

Lightning fast activation

Get your account setup within minutes with minimal information. Our process is designed to provide you complete online onboarding experience without the need of physical documentation.

World class security

All your transactions are secured with 128 bit SSL encryption and two factor authentication. We apply 100+ risk rules for each payment so you can focus on your business and rely on us for data security.


Go live within minutes

Why wait for hours when you can get started within minutes. We have designed our account activation process to enable you to start accepting payments in less than 5 minutes.

Get settlement in your preferred bank account

No need to open a new bank account for collecting online payments. By providing your bank account number and IFSC code you can link any existing Savings or Current account and receive payments in your preferred bank.

Wide range of payment options

Your business can now have more ways of accepting payments from customers


PayUmoney provides UPI payment mode as a default checkout option so that customers don't have to share sensitive bank information to complete a transaction.


Accept debit and credit cards from all card associations. User can save their card details to get a seamless experience when they visit your website/App next time.


Empower your users to pay through 50+ netbanking options from various banks.


PayUmoney gives your customers freedom to pay with their favorite digital wallet.

Your business at one place

Quickly get a snapshot of your business and take immediate action

Transactions Management

Manage your transactions, refunds, disputes and settlements from one single dashboard. Download reports across data segments or view real time transactions and take business decisions immediately.

Account Management

Managing your account has never been easy. Edit your business details, bank details, notification settings, webhooks and reporting easily at one single place.

Dynamic Notifications

PayUmoney’s notification system allows you to be always informed about important events and take actions on the go.

Integrated payment experience

Don't let customers leave your website. The crisp, simple, fast & intuitive solution helps you say goodbye to slow payment forms. We deliver lightning fast payment services directly without redirecting users from your website.

Responsive Design

Built with highly optimized & responsive web design approach. It automatically adjusts checkout page for any device be it smartphones, tablets, desktops or laptops.

Auto Updating

Never worry about supporting new features and payment methods, once integrated get automatic updates.

Easy to Integrate

All you need to do is, add a few lines of code on your page and enjoy the seamless payment experience!

Be App ready

In an ever connected world through smartphones, payments methods are changing fast. We enable you to be at forefront of this revolution through our lightweight and easy to integrate mobile SDKs for Android and iOS platforms.

Auto Read and fill OTP

Our custom mobile browser makes data entry really simple. On Android, we can also auto read the OTP from the user's SMS app and fill it in!

No drop offs

Long gone are drops due to the poor network. We pick up the transaction wherever it had dropped and finish it.

World class Security

No need to make your website https enabled for data security. All your transactions are secured with 128 bit SSL encryption and two factor authentication. We apply 100+ risk rules for each payment so you can focus on your business and rely on us for data security.

In case of any query related to our Payment Gateway Service

Call Us +91-9844018630 / 9900098630 / 9740018201
Contact Us for more details
We would be more than happy to assist you.