Best payment gateway with recurring payments India 2026

If your priority is **recurring payments / subscriptions in India in 2026**, the market has narrowed to a few serious contenders because of RBI e-mandate rules, UPI AutoPay requirements, and subscription reliability. For most Indian SaaS, EdTech, memberships, D2C subscriptions, or AI products: 1. **Razorpay** → best overall balance 2. **Cashfree** → best alternative for subscriptions + payouts 3. **Stripe India** → best if global-first 4. **PayU** → strong enterprise/EMI use cases 5. **CCAvenue/BillDesk** → legacy enterprise setups ## Quick recommendation by business type | Use cas

Choosing the best payment gateway for recurring payments in India requires careful planning due to strict regulatory oversight. The Reserve Bank of India (RBI) enforce the **Digital Payments — E-Mandate Framework**, which mandates that the first recurring transaction requires Additional Factor Authentication (AFA/OTP), subsequent automatic debits up to **₹15,000** can process without an OTP, and a mandatory pre-debit notification must be sent to the customer 24 hours before any charge.[legal.economictimes.indiatimes.com](https://legal.economictimes.indiatimes.com/news/regulators/rbi-enforces-n

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