2D Payment Gateway in India for Fast International Card Payments
Accept online transactions via A-Pay’s seamless integration, designed for maximum conversion. Our 2d payment gateway solutions in India ensure fast online payment processing and a frictionless checkout experience, routing each transaction securely without unnecessary redirects. Best for international card flows, recurring billing, and low-friction checkout where 3D is not required.
Main Challenges Businesses Face With 2D Payments in India
Quick onboarding
Start accepting payments in 24 hours with a fully digital KYC process and instant sandbox access.
UPI-first approach
Maximize success rates with deep integration for PhonePe, Google Pay, and Paytm via UPI AutoPay.
Instant settlements
Improve your cash flow with T+0 and real-time settlement options, even on bank holidays.
A-Pay: Your Trusted 2D Payment Gateway Provider in India
Why Choose A-Pay for Business Operations
What Is a 2D Payment Gateway?
2D vs 3D Payment Gateway: Key Differences
Core Capabilities of A-Pay
- 2D payment routing by method and region
The gateway routes payments via approved rails based on currency, risk, and rules to ensure fast online payment processing.
- API-first integration for online payment
Our API supports checkout, status, refunds, and reporting for a consistent, optimized payment checkout flow.
- 3D fallback when required
When rules require extra authentication, the system switches to 3D and OTP flows to maintain high payment approval rates.
- Payment controls
Encryption, access controls, and monitoring help ensure reliable payment, reduce fraud attempts, and protect payment data.
- Real-time monitoring and alerts
Live signals show spikes or anomalies, helping merchants react fast to protect conversion and the online payment experience.
- Merchant-focused team and stability
Resilient processing ensures stable transactions even during peak loads, providing a reliable payment infrastructure.
How A-Pay Compares to Other Gateways
Who Should Use a 2D Payment Gateway?
Use Cases for Secure 2D Payments
Built for Security from the Ground Up
Methods You Can Offer with A-Pay
How to Integrate A-Pay
- 1Apply & Connect
submit form and get a callback
- 2Choose Methods
select UPI, PhonePe, cards, or more
- 3Set Up Store
configure your website or platform
- 4Start & Track
accept payments and monitor analytics
Difficulty in Accepting Payments? High Fees, Confusing Integrations, Country Restrictions?
Frequently Asked Questions
A 2D payment gateway is a processing system that allows credit or debit card transactions to be completed without an additional security layer, such as a one-time password (OTP) or 3D Secure (3DS) authentication. This streamlined flow provides a faster checkout experience by requiring only the card number, expiry date, and CVV, making it ideal for international markets where speed is prioritized over two-factor authentication.
In India, the Reserve Bank of India (RBI) mandates 3D Secure (Additional Factor of Authentication) for all domestic transactions made with Indian-issued cards. However, 2D payment processing remains legal and necessary for international transactions, where foreign cards are used to pay Indian merchants, as many global banks do not support or require the mandatory OTP protocols used within the Indian banking ecosystem.
The primary difference lies in the authentication flow and security: a 2D gateway processes payments instantly after the card details are entered, whereas a 3D gateway redirects the user to a secure bank page to enter an OTP. While 2D gateways offer higher conversion rates due to less friction, 3D gateways provide a "liability shift," protecting merchants from fraud-related chargebacks by verifying the cardholder's identity through two-factor authentication.
Use 2D for low-risk recurring billing, international cards, or digital services. Reserve 3D for high-value or regulated orders. The key difference between 2D and 3D is speed vs. security.
2D chargeback liability falls entirely on the merchant. There is no liability shift to the issuer because 3D Secure was not used.
Yes. Hybrid 2D/3D routing uses 2D for low-risk transactions and falls back to 3D Secure when fraud risk is high (amount, country, velocity). This maximises conversion while protecting against chargebacks.
Yes. A-Pay supports recurring billing with 2D flows for subscriptions. After initial 3D Secure authorisation, subsequent charges use a stored token and 2D logic – no monthly OTP prompts.