

| Payment Gateway | Ease of Integration | Transaction fees | Security features | Global Support |
| EnKash | User-friendly – A complete corporate expenditure management solution with easy interfaces. | Competitive – Economical solutions for business enterprises. | Robust – Highly secure, supported by advanced features including PCI DSS compliance. | Growing – An ever-growing presence extending beyond India. |
| PayPal | Simple setup with multiple plugins and APIs. | High Transaction and currency conversion fees | Strong - PCI DSS compliance followed; fraud detection and encryption | Well, Present in 200-plus countries. |
| Stripe | API-based installation would be required to be fairly moderate, hence its developer suitability | Moderate- Great, transparent pricing with volume discounts | Strong- Advanced fraud detection and security protocols | Supported- Yes, for international transactions |
| Razorpay | Simple – Smooth integration with Indian e-commerce systems | Cheaper – Competitive pricing for domestic transactions | Very secure – PCI DSS Level 1 certification and fraud protection | No – Routing mainly in India |
| PayU | Medium – Technology platform API-based and plugin-based integration for multiple platforms. | Lower – Cheap domestic payments. | High – Encryption, anti-fraud tools. | Limited – Supports selected countries other than India. |
| Feature | Merchant Account | Payment Gateway |
| Purpose | A special kind of bank account that holds temporary funds before transferring them to a business account. | Online services that process and authorize customer payments. |
| Function | Acts as an intermediary between a business and the bank. | They function as an intermediary between the customer, merchant, and payment processor. |
| Requirement | Required to receive credit/debit card payments directly. | Authorization, encryption, and transaction completion are applied to the payment transaction. |
| Transaction Processing | Transfers funds from sales after a holding period into the business account. | Approve or decline the transaction in real-time based on security checks. |
| Example Services | Business banks are provided by financial institutions. | PayPal, Stripe, Razorpay, PayU, and Authorize.Net |