Common Mistakes People Make When Setting Up a Payment Gateway on Their Website (And How to Avoid Them)

Common Mistakes People Make When Setting Up a Payment Gateway on Their Website (And How to Avoid Them)

Blog Article

Setting up a payment gateway for your website?Awesome — that’s a big step toward growing your business and collecting money online.

But here’s something no one tells you:
A lot of people set up payment gateways the wrong way.
And it ends up costing them sales, customer trust, and even extra fees.

So let’s save you the headache.
Here are 7 of the most common mistakes people make when integrating a payment gateway (especially in India) — and how you can easily avoid them.

1️⃣ Picking a gateway only based on lowest fees
Everyone loves low MDR rates (merchant discount rates). But cheapest isn’t always best.

Some low-cost providers have slower settlements (taking 5-7 days instead of next-day).

Some don’t offer strong fraud protection, so you end up losing more on chargebacks.

✅ Better approach: Balance fees with features. Look at security, customer support, UPI success rates, and how fast you get your money. Platforms like Indiplex keep fees reasonable but also give you instant settlements and top-notch security.

2️⃣ Not enabling UPI & wallets
India is a UPI-first market now.
If your payment page doesn’t show UPI, Google Pay, PhonePe, Paytm, a huge chunk of customers will bounce.

✅ Always enable UPI, debit/credit cards, wallets, and net banking together. This builds trust and gives customers flexibility.

3️⃣ Not testing the payment flow before going live
Too many businesses skip testing. They set up their payment gateway, but never run through:

making a test transaction,

trying a failed payment (like entering wrong OTP),

or processing a refund.

✅ Always use the gateway’s sandbox mode to test all flows — payments, failures, refunds. Providers like Indiplex give a sandbox so you can iron out issues before real customers hit your checkout.

4️⃣ Hiding trust signals at checkout
People want to see familiar trust badges:

Visa, Mastercard, Rupay

UPI, Paytm, Google Pay

“Secured by XYZ” or SSL padlock

✅ Show these on your checkout page. It reassures customers their payment is safe.
Good gateways like Indiplex automatically include these on hosted checkout pages.

5️⃣ Not configuring automated emails/SMS
When someone pays, they expect an instant confirmation.
If they don’t get it, they wonder if the payment even went through.

✅ Ensure your payment gateway sends automated receipts.
Most modern solutions (like Indiplex) let you customize these notifications so your brand stays front & center.

6️⃣ Not planning for refunds & disputes
A few customers will always ask for refunds — it’s normal.
If your process is messy or slow, it damages trust.

✅ Pick a gateway with an easy refund button and transparent timelines.
Also, understand how chargebacks work so you’re not blindsided by disputes.

7️⃣ Failing to match payments to orders in your dashboard
It’s painful to have payments coming in but not know which order they’re for.
This usually happens if you don’t pass proper order IDs or customer info when setting up API/webhooks.

✅ Double-check your integration sends order numbers, so your payment dashboard matches your sales records perfectly.

How Indiplex makes avoiding these mistakes easier
Indiplex is built specifically for Indian businesses who want simple, secure, and scalable payment solutions.

With Indiplex, you get:

✅ Full payment gateway for your website with UPI, cards, wallets, EMI.
✅ Easy payment links & buttons if you sell on social or WhatsApp.
✅ Instant settlement options so cash flow never stalls.
✅ Hosted secure checkout pages that show trust badges by default.
✅ Automated receipts & SMS notifications.

It’s all designed to make sure you don’t slip up on these common mistakes — so you can grow confidently.

✅ Bottom line: Don’t let small errors eat your sales
Most payment gateway issues happen because businesses rush setup.
Take a little extra time to do it right. Test everything, enable all payment options, and make sure your gateway is set to support you as you scale.

???? Looking for a payment gateway for your website in India that avoids all these pitfalls?
Check out Indiplex. It’s secure, reliable, and built to help you grow — without the usual headaches.