Crypto payments are becoming a regular part of daily business for Indian merchants. Many companies now rely on them to receive funds faster and serve customers across borders. For businesses working with international clients or selling digital products, crypto often removes delays and limits that still exist in traditional banking. This guide explains which crypto payment providers are best suited for Indian merchants today.
Cryptomus
Cryptomus gateway is a global crypto payment solution available in India, supporting over 120 cryptocurrencies. It works well for both large enterprises and smaller online services like SaaS platforms, VPN providers, and hosting companies that accept international payments.
One of Cryptomus’s key advantages is the pricing. Merchant fees start at 0.4% with no hidden costs, making it ideal for businesses with frequent or high-volume transactions. API integration is also supported for convenience.
Security features include two-factor authentication, IP whitelisting, PIN codes, and a Certik security audit. Merchants can also receive transaction alerts via the website, Telegram, or email. Withdrawals are usually processed in one to two minutes. Also, payments can automatically convert to stablecoins, and withdrawals can convert to a preferred currency at no extra cost.
Other features include invoice tracking, mass payouts, flexible commissions, API withdrawals, White Label gateway, multilingual payment pages, and fiat withdrawals via SEPA, SWIFT, and P2P exchanges. Support is available every day in 18 languages, which allows Indian merchants to partner with different countries.
Exscudo
Exscudo presents itself as a more enterprise-oriented crypto payment gateway and is also available in India. Merchants can accept numerous cryptocurrencies, providing more payment options for clients globally. It supports 18 languages and is tailored for platforms that prefer crypto payments integrated into their own systems rather than a standalone checkout.
The platform supports mass payouts and automatic conversion and connects seamlessly with eCommerce platforms, including WooCommerce and PrestaShop, helping businesses handle numerous transactions efficiently. Exscudo also offers conversion to fiat, allowing funds to be converted to USD or EUR and deposited into bank accounts.
As for fees, they are relatively high—merchant fees are generally 4%, while withdrawals and mass payouts are free.
CoinDCX
CoinDCX is a popular crypto gateway in India, known for its compliance and strong local integration. It is registered with the FIU and designed for Indian users who require smooth INR-to-crypto transactions.
The platform lists over 500 cryptocurrencies, sufficient for most merchant needs. Deposits and withdrawals in INR are free, simplifying daily operations. Liquidity is robust, so large trades experience minimal slippage even during high market activity.
Security and regulatory compliance are key priorities for CoinDCX: it is ISO/IEC 27001:2022 certified, provides 24/7 monitoring, and offers proof of reserves. Merchants benefit from automated tax tools that handle tasks quickly, including the 1% TDS requirement. API integration is also available for seamless use.
XAIGATE
XAIGATE offers a global non-custodial crypto payment gateway in India that allows merchants to manage digital payments without giving up control of their funds. It works with major cryptocurrencies such as BTC, ETH, USDT, and USDC, making it suitable for a broad range of online businesses.
Integration with platforms like WooCommerce, Magento 2, and PrestaShop is simple, enabling stores to add crypto payment options quickly. Fees start at 0.2% with no hidden or setup costs, providing a cost-effective solution for merchants with regular transactions.
As a non-custodial gateway, XAIGATE prioritizes security. Funds remain under the direct control of merchants, lowering the need for third-party custody. However, it places full responsibility for wallets on the user. Compliance with KYC and AML rules is the merchant’s responsibility, keeping operations consistent with Indian standards.
PayOnRamp
PayOnRamp is a payment gateway that enables merchants to accept both fiat and cryptocurrency payments smoothly. It supports numerous cryptocurrencies in addition to traditional fiat, allowing businesses to manage multiple payment methods with ease.
The platform is ideal for companies looking to integrate crypto payments. Settlements are fast, helping merchants maintain steady cash flow while reducing delays. It also enables conversion between INR and digital assets, allowing cryptocurrency payments to fit smoothly into existing operations.
With a focus on compliance and ease of use, PayOnRamp makes digital payment integration straightforward. Transaction fees here typically range from 0.5% to 1%, which is close to what its competitors offer.
How to Pick a Crypto Gateway in India?
Selecting a crypto payment gateway requires careful review of speed, compliance, and flexibility. Solutions that manage both fiat and crypto payments while ensuring secure control of funds offer the greatest benefits. They can help improve cash flow, expand the customer base, and make everyday transaction management more efficient.
