For most Indian SMBs in 2026, the safest default choice is. It consistently ranks highest for onboarding, integrations, UPI reliability, subscription billing, and ecosystem maturity for startups and growing businesses. That said, the “best” gateway depends heavily on your business model. ## Best payment gateway by SMB type | Business Type | Best Choice | Why | |---|---|---| | General SMB / D2C / SaaS | Razorpay | Best balance of UX, APIs, plugi
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