2D Payment Gateway Solutions in India for Fast & Secure Online Payments

India is a mobile-first digital economy, and choosing a reliable 2D payment gateway solution allows businesses to accept online payments faster, reduce friction for customers, and improve conversion. 

100+

Local payment methods

24/7

Local
support

$3m+

Transactions
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Main Challenges Businesses Face With 2D Payments in India

Many businesses face issues with secure payment flows in online payment. Main points to consider before choosing a reliable gateway include:

About A-Pay, Your Trusted Reliable 2D Payment Gateway Provider for Businesses

A-Pay works as a payment gateway provider that helps a merchant integrate payment services.The goal is simple: maintain fast online transactions, ensure secure payment rules are respected, and keep reporting clear for reconciliation.

When a business caters to businesses and clients across India, the setup often calls for more than one method. UPI matters for local acceptance, cards matter for broader coverage, and multiple currencies matter for cross-border business models. NPCI notes that UPI supports merchant payments through static and dynamic QR, which supports both in-store and online collection patterns.

Why Choose A-Pay for Business Operations

Today A-Pay offers a payment gateway service that focuses on compliant speed, reliability, and support.
Get Started With A-Pay Today

Get Started With A-Pay Today

Start using a fast-processing 2D payment gateway for your online business. Our gateway provider enables frictionless card operations,  digital solutions, and the best experience for your customers.

Capabilities of A-Pay 

A-Pay supports a set of capabilities tailored to 2d payment gateway operations in India and worldwide:

  • 2D payment routing by method and region

    The gateway routes 2D payments via approved rails based on currency, risk, and rules.

  • API-first integration for online payment

    One supports checkout, status, refunds, and reporting for a consistent, user-friendly flow.

  • 3D fallback when required

    When rules require additional authentication, the system switches to 3D and OTP flows instead of forcing a 2d payment gateway without OTP setup.

  • 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, suspicious activity, and processing anomalies, helping a merchant react fast and protect conversion.

  • Merchant-focused team and stability

    Resilient processing help businesses and customers rely on stable transactions, even during peak loads.

How A-Pay Compares to Other Gateways

The table below compares A-Pay and other payment processing solutions across the features that impact payment speed, security, and help.

A-Pay
Other gateways
Authentication support, active fraud controls
Varies, sometimes basic controls
Clear documentation, API, ready flows for rapid launch
Longer builds, custom effort
Cards, UPI, local rails, cross-border options by setup
Narrower method range
Resilient processing under peak loads
Performance can degrade during spikes
Real-time dashboard, tracking, reminders
Limited reporting, delayed updates
24/7 technical assistance for merchants and developers
Business-hours only assistance

Use Cases for Secure 2D Payments

This solution fits common 2d payment gateway scenarios in online payment. Fast integration, flexible payment methods, and stable transaction processing help merchants keep a consistent process during peak loads.

Test A-Pay in a Free Sandbox

Test A-Pay in a Free Sandbox

Evaluate the payment process before launch using a free sandbox. Sandbox credentials simulate online payment flows, 2d payments, 3D steps with OTP, failed transactions, refunds, and edge cases. Move to production when the integration is ready, then start processing real online transactions.

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Built for Security from the Ground Up

Security is built into every layer of the payment processing solution. Encryption protects data in transit and at rest, access controls limit exposure, and monitoring flags suspicious activity. This approach helps reduces pressure, and keeps the secure payment gateway aligned, using compliance expectations.

Methods You Can Offer with A-Pay

A-Pay offers a variety of payment options, so businesses and customers can choose a comfortable payment method. Depending on the approved setup, methods can include UPI and QR code, bank transfer and account-to-account flows, credit card and debit cards, plus online payment options for multiple currencies in worldwide scenarios. This flexibility helps a merchant cater to different checkout preferences while keeping the payment process consistent.

How to Integrate A-Pay

Start secure deliveries with these steps: 

  • 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

Ready to Secure Every Payment?

Ready to Secure Every Payment?

Give businesses and customers a safer, more reliable way to pay online. Start with A-Pay today and turn secure payment processing into a competitive advantage.

Difficulty in Accepting Payments? 
High Fees, Confusing Integrations, Country Restrictions?

Frequently Asked Questions