Question 1

What is a payment gateway?

Accepted Answer

A payment gateway is a service that authorizes and processes online payments — like UPI, credit cards, and bank transfers — between a customer, a merchant and the bank. IoPay provides a developer-friendly payment gateway for India with REST APIs, UPI collections, payouts and cross-border support.

Question 2

Which is the best payment gateway in India?

Accepted Answer

IoPay is among the best payment gateways in India for businesses needing UPI collections, instant payouts, low fees and developer-first REST APIs, with built-in support for cross-border Chinese payment methods like Alipay, WeChat Pay and UnionPay.

Question 3

How do I integrate a Chinese payment gateway?

Accepted Answer

With IoPay you can accept payments from Chinese customers via Alipay, WeChat Pay and UnionPay through a single REST API — no separate merchant accounts required. Use the same checkout flow used for UPI and credit card processing.

Question 4

How does a payment gateway work?

Accepted Answer

When a customer pays, the gateway encrypts the transaction, routes it to the acquiring bank, verifies funds, and returns a signed callback. IoPay also reconciles the order and settles funds to your bank (T+0 for UPI).

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