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How does the best payment gateway in India support omnichannel businesses?: India’s digital payments are increasing, and the RBI’s Payment System Report highlights the same.
Driven by UPI, government initiatives, improved internet access and changing consumer expectations. The transaction volume rose 94 times and value 3.5 times between 2013 and 2024.
As India moves towards a cashless economy, businesses must rethink how they manage payments. To stay competitive, they need payment gateways that offer speed, security and compatibility with local preferences like UPI and mobile wallets.
For omnichannel businesses, in particular, seamless and unified payments are essential. This blog explores how some of the best payment gateways in India enable secure and consistent transactions across every touchpoint.
What are omnichannel businesses?
Omnichannel businesses interact with customers across multiple platforms while maintaining a consistent experience. These platforms include:
- E-commerce websites for online shopping
- Mobile apps for convenience and engagement
- Physical retail stores for in-person visits
- Social media platforms for product discovery
- Customer service through chat, phone or email
The goal is to let customers switch between these touchpoints without any interruption. For example, a customer may:
- Add items to a cart on a mobile app
- Check the product at a store
- Complete the purchase online later
To enable this experience, businesses must connect their systems for billing, Customer Relationship Management (CRM), inventory and payments. This is where some of the best payment gateways in India become essential, helping ensure secure and consistent transactions across every channel.
Why do omnichannel businesses need smarter payment infrastructure?
For omnichannel businesses, consistent payment experiences are key to building trust and improving conversions. A unified infrastructure helps ensure transactions are smooth, secure and integrated across all customer touchpoints.
For this, companies must integrate the best payment gateway in India that provides:
- Accept payments through websites, apps and Point-of-Sale (PoS) systems
- Synchronise data in real time for visibility and reporting
- Deliver consistent checkout experiences regardless of platform
- Instant payments with minimal latency
- Unified data tracking across touchpoints
Features of some of the best payment gateways in India
To support omnichannel success, a payment gateway must go beyond basic transaction processing. It must offer speed, scale, security and flexibility. Below are the key features that define some of the best payment gateways in India:
- Unified payment experiences across platforms
Some of the best payment gateways in India support seamless payments across apps, websites and PoS systems. They allow customers to pay via UPI, cards, wallets or Buy Now Pay Later (BNPL) with instant confirmation.
- Easy integration with PoS and digital systems
Gateways must offer Application Programming Interfaces (APIs), Software Development Kits (SDKs) and plugins that integrate with e-commerce platforms, PoS machines and Enterprise Resource Planning (ERP) software. This shortens onboarding and supports quick scaling across channels.
- Secure card tokenisation
Tokenisation is essential under RBI regulations. The gateway should support token-based storage so customers can save cards for future use without re-entering details. This improves speed and maintains strong data protection.
- Real-time analytics and performance tracking
Modern gateways must offer dashboards with channel performance, success rates, refund trends and regional data to support planning across product, finance and operations.
- Support for RBI’s Payments Vision 2025
The gateway should align with RBI’s future goals of innovation, security and financial inclusion. It should offer instant UPI, UPI Lite, offline payment support and a secure, high-uptime architecture accessible to MSMEs and small merchants.
- High performance during peak traffic
Gateways must manage high transaction volumes during festive or promotional spikes. Intelligent routing, failover systems and scalable cloud setups help avoid downtime.
- Tools for operational efficiency
Some of the best payment gateways in India simplify finance operations. They offer automated reconciliation, real-time settlement tracking with refund initiation and alerts for failed transactions.
- Developer-friendly ecosystem
For faster deployments, gateways should offer easy-to-use APIs, no-code and low-code tools, webhooks for payment events and detailed technical documentation. This allows businesses to go live quickly and adapt their stack as they grow.
- Recurring billing and subscriptions
Recurring billing is essential for subscription-based services. Gateways that support automated recurring payments help reduce drop-offs and improve customer retention.
- Split payments for marketplaces
For marketplaces and aggregators, split payment features allow the automatic division of incoming funds between multiple sellers or service providers. This removes manual work and reduces delays, making settlement faster and more reliable.
- Multi-currency and cross-border support
Businesses expanding globally need the ability to accept international payments. Gateways with multi-currency support handle cross-border transactions and present charges transparently, helping avoid conversion confusion and unexpected fees.
- Loyalty point redemption and instant payouts
Advanced gateways allow customers to use loyalty points during checkout, increasing engagement. They also support instant payouts to vendors or customers, which improves satisfaction and strengthens long-term trust.
- Bulk payouts for vendors or service partners
Gateways with bulk payout features let businesses pay multiple sellers, partners or freelancers at once, improving speed and settlement accuracy.
Invest in the right gateway to power your omnichannel growth
The payment experience is the final touchpoint in a customer’s journey and often the most decisive. Inconsistent authorisations, failed checkouts or limited payment options can cost businesses more than just transactions. They lead to lost trust, poor retention and missed opportunities.
To stay competitive, omnichannel businesses must invest in a high-performance payment gateway that enables real-time sync, smooth checkouts and flexible integrations. One such solution is Pine Labs Online, which is built for scale, security and seamless experience across every channel and customer touchpoint.
