Atom payment gateway: All you need to know


The payment gateway market in India has gotten quite competitive with numerous fintech companies battling it out for your business. With so many options, it is good to first identify what are your priorities from a payment gateway and then do the research on different providers that can fit your specific needs.

Atom payment services is an India based company that has been in the industry since 2006. With offices in all the major cities in the country, Atom is looking to provide Indian businesses and individuals with a payment ecosystem.

Atom has over 150,000 clients across all their services and have seen more than 150 million transactions processed through its payment platform¹. With their primary focus on India and Indian merchants, let’s take a deeper look into Atom’s payment gateway and see if it is a suitable option to integrate into your business.

If you are looking to take your business to the global stage, check out Wise for business that helps Indian businesses and freelancers to easily receive payments from abroad.

Atom payment gateway pricing and charges

Atom has two options for pricing plans- their standard pricing and one that is customizable. The customizable plan is for businesses with large volumes of transactions and is created in conjunction with a representative from Atom.

Most businesses will fall under Atom’s standard plan. The standard plan has a one-time integration fee, annual software upgrade and a fee per transaction².

  • Integration Charges (one time): ₹1955
  • Annual Software Upgradation Charges ₹2955
Type of transaction Transaction Fee
Credit Cards (Domestic): includes VISA, MasterCard, Maestro, RuPay 1.99% + ₹3
Debit Card transaction below ₹2000: includes VISA, MasterCard, Maestro, RuPay Free
Debit Card transaction above ₹2000: includes VISA, MasterCard, Maestro, RuPay 1%
Net Banking 1.99% + ₹3
e-Wallets 2.2%
Major Banks EMI Available on request
Bank IMPS 1.80%
American Express EMI, JCB & Diners Club 3.95%
Credit Cards (International): Visa and MasterCard 3.95%

You may want to look into the different payment gateway options that are available to you, as often there are promotions that cancel the integration or annual charges.

Payment options supported with Atom payment gateway

Atom supports a range of local and international payment options including 50+ banks and 256+ payment options offering transactions through all major card companies. They include³:

  • Credit Card
  • Debit Card
  • Net Banking
  • UPI
  • Bharat QR
  • Tez
  • EMI
  • AMEX
  • e-Wallet (like Mobikwik)
  • PayLater
  • PayPal
  • International Cards
  • Challan

Atom payment gateway international payments

Atom lets Indian merchants accept international credit card payments on their gateway, including Visa and Mastercard⁴. But as mentioned above, the transaction charge is higher at 3.95%.

Atom payment gateway settlement

As a merchant, you will get paid from transactions within 2 working days. The payment happens once a day, on the day of payment, and will go directly into the bank account you listed⁵.

Atom payment gateway customer care

If there are any issues, you can reach Atom customer care for the payment gateway by email at or phone at +91 22 6686 4095. Atom also has a specific grievance officer that you can email directly as well. You should hear back from them within 1 working day⁶.

Let Wise take care of your international payments

Doing business internationally?

Wise offers Indian businesses and freelancers with account details in 8 different currencies to receive payments from abroad. Your clients pay you with a local transfer in their currency, and you receive rupees in your INR bank account — with eFIRC for every transfer.

Get started with a Wise Business Account, and save with a low-cost transfer fee and mid-market exchange rate - which is the same as the one you see on Google.

Open your Wise Business Account 🚀

Sources used for this article

  1. About Atom
  2. Atom Payment Gateway
  3. Atom Online Payment Gateway
  4. Atom International Payments
  5. Atom Settlement
  6. Atom Customer Care

This publication is provided for general information purposes only and is not intended to cover every aspect of the topics with which it deals. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content in this publication. The information in this publication does not constitute legal, tax or other professional advice from Wise Payments Limited or its affiliates. Prior results do not guarantee a similar outcome. We make no representations, warranties or guarantees, whether express or implied, that the content in the publication is accurate, complete or up to date.

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