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Available payment options are completely controlled by merchants and not based or biased by gateways.

Excluding those pg's who themselves provide wallet functionalities in market like paytm , chorpe, etc. They generally prefer their own wallet over apay or others.

But this is not with razorpay, payu ,cashfree, cc Avenue, etc.. they just need an extra level of verification for enabling sensitive payment instruments , such as apay wallet , amex , diners ,etc..

Hope this clears .

Bhai apka knowledge to

@pinki Agree it or not I believe payment gateway has role on options we get. (I am not referring mcc code, but there is an informal link in between).

I have even noticed that even in same merchant two different gateway provide different payment options.

Also same payment gateways give almost identical options for different merchants.

When some payment are in restricted category only in that case (like debt repayment) we may see restriction of some payment methods.

Banks, cards, are more often common but wallets are not. There are other small small changes.

I am not expert on this though. But looking for some more information on this in a structured manner.

Have u ever experienced or got to experience the pg systems or atleast their dashboard? @2025

One of my relatives do hold a razorpay and pay u gateway and by that experience i can tell , pg's by default enable/disable some particular instruments based on category
but for any non restricted category like normal online shopping website, at the end it's COMPLETELY upto the merchant end . And even for restricted categories , verification is required first to enable the desired instrument.

And if u have seen same merchants with two diff pg's but with different instruments then most n most probably its merchants fault that either they are not managing it properly or they have deliberately did this in order to have backup in case of restrictions or terminations.

is it for credit card payments or specific category merchants?

because not all merchants accept all payment methods

ex: a specific website use paytm gateway but maynot accept amex cards, another website use same paytm gateway but accept amex but not wallets etc.