Best payment gateway with recurring payments India 2026

For India in 2026, the best payment gateway for **recurring payments / subscriptions** depends on your business model more than headline fees. Here’s the practical shortlist most startups and SaaS founders are using: | Feature | Razorpay | Cashfree Payments | PayU | Stripe | |---|---|---|---|---| | Recurring payments | Excellent | Excellent | Good | Good | | UPI AutoPay | Strong | Strongest | Moderate | Improving | | Subscription APIs | Mature | Mature | Decent | Excellent DX | | India-first support | Excellent | Excellent | Good | Average | | International payments | Moderate | Good | Stron

Navigating recurring payments in India requires adhering to strict regulatory standards. Under the **RBI’s Digital Payments E-Mandate Framework**, payment gateways must support seamless automated debits via **UPI AutoPay, eNACH/Net Banking, and Cards (Credit/Debit)** without requiring Additional Factor Authentication (AFA/OTP) for subsequent renewals under ₹15,000 (and up to ₹1,00,000 for insurance, mutual funds, and credit card bills).[www.rocketpay.co.in](https://www.rocketpay.co.in/blog/rbi-e-mandate-recurring-payments-15000#:~:text=First%20Transaction%20Always%20%E2%80%94%20one-time,and%20

The best overall payment gateway for recurring payments in India is ****, closely followed by **** and ****. Managing subscriptions in India requires absolute alignment with the Reserve Bank