UPI dominates digital payments
Over 80% of digital transactions use UPI
Digital wallets widely adopted
Paytm, PhonePe, and Google Pay have massive user bases
Shopify Payment Methods in India
India has revolutionised digital payments with UPI, creating one of the world's most advanced real-time payment ecosystems. UPI dominates online transactions alongside popular digital wallets.
Shopify merchants targeting India must integrate UPI as a priority. Combined with digital wallets like Paytm and PhonePe, plus cards and COD, merchants can maximise conversion across India's diverse market.
India ecommerce payment insights
UPI dominates digital payments
Over 80% of digital transactions use UPI
Digital wallets widely adopted
Paytm, PhonePe, and Google Pay have massive user bases
Mobile-first market
Most ecommerce happens on smartphones
COD still relevant
Cash on delivery important for trust and inclusion
Understanding Online Payments in India
India's digital payment revolution, led by UPI, has created one of the world's most sophisticated and inclusive payment ecosystems.
For Shopify success in India, UPI integration is non-negotiable. The Unified Payments Interface enables instant, zero-cost bank transfers and powers digital wallets. Merchants should also support cards, wallets, and COD for comprehensive market coverage.
UPI revolution
Government-backed real-time payment system used by hundreds of millions of Indians.
Digital wallet ecosystem
Paytm, PhonePe, Google Pay, and others built on UPI infrastructure.
Diverse payment needs
Market spans from metro cities to rural areas with varying payment preferences.
Most Popular Payment Methods in India
A successful Indian Shopify checkout must prioritise UPI and digital wallets while supporting cards and alternative methods.
Razorpay
Razorpay is a digital wallet payment method designed for Shopify merchants targeting the Indian market. It supports recurring payments but does not offer one-click checkout or payment assurance.
Usage
Growing
Best for
Indian market-focused merchants
UPI
UPI is a bank transfer payment method integrated via processors, primarily serving the Indian consumer market. It is available to merchants in the UAE, Australia, Bangladesh, Belgium, Canada, and 39 other countries, offering payment assurance but with a chargeback risk.
Usage
Growing
Best for
Retail
Airtel Mobile Money
Airtel Mobile Money is a digital wallet payment method available for Shopify merchants targeting Albania, India, Kenya, Zambia, and the United States. It supports full refunds and is suitable for markets with a strong mobile money presence.
Usage
Growing
Best for
Merchants in mobile-centric markets
Samsung Pay
Samsung Pay is a digital wallet available for Shopify merchants, primarily targeting markets in Australia, China, India, Japan, South Korea, and five additional countries. It supports full refunds but lacks features such as recurring payments and one-click checkout.
Usage
Medium
Best for
Asian markets
Telr
Telr is a card payment method available for Shopify merchants, particularly targeting markets in Bahrain, Jordan, Kuwait, Oman, Qatar, and 15 more. It supports recurring payments but lacks one-click and payment assurance features.
Usage
Medium
Best for
Subscription-based businesses
Related Payment Method Pages
Best Payment Setup for India
Indian shoppers expect UPI as a primary payment option, with digital wallets and cards as essential alternatives.
UPI must be your foundation. Layer in Paytm, PhonePe, and Google Pay for wallet preferences, plus RuPay, Visa, and Mastercard for card users. COD remains important for trust and market penetration.
Essential UPI & Wallets
- UPI
- Paytm
- PhonePe
- Google Pay
Card Coverage
- RuPay
- Visa
- Mastercard
Trust Builders
- Cash on Delivery
- Net Banking
Recommended Payment Stack
Improve Shopify Conversion in India
Optimise your checkout for Indian payment preferences to maximise conversion across this massive market.
Make UPI the hero
Display UPI prominently - it's the most preferred payment method in India.
Feature popular wallets
Showcase Paytm, PhonePe, and Google Pay for wallet users.
Support RuPay cards
India's domestic card network is widely used and government-promoted.
Offer COD strategically
Cash on delivery builds trust and reaches underserved segments.
Optimise for mobile
Ensure seamless mobile checkout for India's smartphone-first users.
Include net banking
Direct bank transfers remain relevant for certain customer segments.
Optimise Your Shopify Checkout with CartDNA
CartDNA helps merchants identify optimal payment methods for India's complex market. Improve conversion, reduce cart abandonment, and grow your Indian ecommerce business.
Shopify Payments India FAQ
What is the most important payment method for India?
UPI (Unified Payments Interface) is the most essential payment method in India, used by the vast majority of digital payment users.
Should I integrate Paytm, PhonePe, and Google Pay separately?
These wallets all use UPI infrastructure. By enabling UPI, you support all major wallets. However, showing wallet logos can boost conversion.
Is cash on delivery still important in India?
Yes, COD remains relevant for building trust, especially with first-time customers and in tier 2/3 cities.
What cards should I accept in India?
Accept RuPay (domestic network), Visa, and Mastercard for comprehensive card coverage across Indian consumers.