AI Visibility Index — India · November 2026

Payment gateways: who AI assistants name for Indian startups (Nov 2026)

We asked 3 AI assistants 5 questions an Indian founder asks about payment gateways. Named in the most questions: Razorpay (5 of 5 from memory, 5 searching the web), Cashfree Payments (5 of 5 from memory, 4 searching the web), PayU (5 of 5 from memory, 2 searching the web).

Asked on 9 November 2026 through the APIs · from memory: Claude Haiku (Anthropic) and GPT-4o mini (OpenAI), with no web search · searching the web: Claude Haiku + web search (Anthropic), one search per answer, asked 10 November 2026 · Answers change from day to day and month to month; this is one run.

Who is named

Tool	From memory	Searching the web	Claude Haiku (of 5)	GPT-4o mini (of 5)	Claude Haiku + web search (of 5)	Usual place
Razorpay	5 of 5	5 of 5	5	5	5	#1
Cashfree Payments	5 of 5	4 of 5	5	4	4	#3
PayU	5 of 5	2 of 5	5	4	2	#3
Stripe	2 of 5	2 of 5	1	2	2	#3
CCAvenue	2 of 5	1 of 5	1	2	1	#3
BillDesk	1 of 5	0 of 5	1	0	0	#8
Juspay	1 of 5	0 of 5	1	0	0	#10

“From memory”: in how many of the 5 questions Claude Haiku or GPT-4o mini named the tool, answering with no web search. “Searching the web”: in how many Claude Haiku + web search named it after one web search. The assistant columns count answers. “Usual place”: the middle place among the from-memory answers that named it (the web place when only the web named it), counting the products in the order each answer first mentions them.

Also named, not in our directory

Names that came up in at least 2 of the 15 answers. Our directory does not list them yet, so they are not in the table.

Instamojo · 8
Paytm Payment Gateway · 4
PhonePe Payment Gateway · 2
PhonePe PG · 2

Questions buyers ask

Which payment gateways do AI assistants name most for Indian startups?

In our Nov 2026 run, Razorpay (5 of 5 from memory, 5 searching the web), Cashfree Payments (5 of 5 from memory, 4 searching the web), PayU (5 of 5 from memory, 2 searching the web) were named in the most buyer questions. This counts how often an assistant names a tool; it does not say which tool is better.

Which payment gateways did AI assistants not name?

Every tool in our directory for payment gateways was named at least once in the 5 questions asked on 9 November 2026.

How were these AI answers collected, and will they change?

On 9 November 2026 we sent each of the 5 questions once to Claude Haiku and GPT-4o mini and Claude Haiku + web search through their APIs, with no company named in the question (from memory: Claude Haiku (Anthropic) and GPT-4o mini (OpenAI), with no web search · searching the web: Claude Haiku + web search (Anthropic), one search per answer, asked 10 November 2026): 15 answers. The same question can get different names on another day, so read this as one dated snapshot.

How we tested, 9 November 2026: each of the 5 questions went once to Claude Haiku and GPT-4o mini and Claude Haiku + web search through their APIs, with no company named in the question — from memory: Claude Haiku (Anthropic) and GPT-4o mini (OpenAI), with no web search · searching the web: Claude Haiku + web search (Anthropic), one search per answer, asked 10 November 2026. One run, not a ranking.

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The 5 questions, and the names in each answer

Names in the order each answer first mentions them. Open a question to see every assistant, from memory and searching the web.

1. Which payment gateway should a 20-person Indian startup use to accept UPI and cards?

Claude Haiku · from memory: Razorpay → Cashfree → PayU India → Instamojo
GPT-4o mini · from memory: Razorpay → Paytm Payment Gateway → Cashfree → PayU → Instamojo
Claude Haiku + web search · searching the web: Razorpay → Cashfree → PhonePe PG → Paytm for Business → Stripe

2. Best payment gateway in India with low fees for a D2C brand doing ₹50 lakh a month?

Claude Haiku · from memory: Razorpay → Cashfree Payments → PayU India
GPT-4o mini · from memory: Razorpay → PayU → CCAvenue → Instamojo → PhonePe for Business
Claude Haiku + web search · searching the web: Cashfree → Razorpay → Easebuzz → PhonePe PG

3. Payment gateway for an Indian SaaS startup that also needs international cards — what do you recommend?

Claude Haiku · from memory: Razorpay → Stripe → Cashfree → PayU
GPT-4o mini · from memory: Razorpay → PayPal → Stripe → Instamojo → Cashfree
Claude Haiku + web search · searching the web: Razorpay → Stripe

4. Which Indian payment gateway has the fastest onboarding and settlement for a new startup?

Claude Haiku · from memory: Razorpay → Cashfree Payments → PayU India → Paytm Payment Gateway
GPT-4o mini · from memory: Razorpay → PayU → Cashfree
Claude Haiku + web search · searching the web: Instamojo → Razorpay → Cashfree → PayU

5. Razorpay alternatives in India: which payment gateways should we compare?

Claude Haiku · from memory: Razorpay → PayU India → Cashfree Payments → CCAvenue → Instamojo → Adyen India → Worldline India → BillDesk → PhonePe Payment Gateway → Juspay
GPT-4o mini · from memory: Razorpay → Paytm Payment Gateway → CCAvenue → PayU → PhonePe → Instamojo → Zeta → MobiKwik → Stripe → Cashfree
Claude Haiku + web search · searching the web: Razorpay → Cashfree Payments → PayU India → PhonePe Payment Gateway → Paytm Payment Gateway → CCAvenue → Instamojo

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How this was made

Each question was sent once to each assistant, with no company named in the question. From memory: Claude Haiku and GPT-4o mini, through their APIs with no web search and no tools — each answers from what it learned in training. Searching the web: Claude Haiku + web search, through the API with one web search allowed per answer (results from India) — it reads pages found that day, as the ChatGPT, Claude and Perplexity apps can. We read the names each answer lists, in order (MONEY-7 reader), and count a tool from our directory as named when the answer names it. The two columns can differ: an assistant that searches reads pages written this month, so a newer or smaller company can be named there and not from memory. The full method and the other 29 categories.