UPI, Cards & Net Banking: Enabling All CCAvenue Payment Modes on Your WooCommerce Store

For a WooCommerce store in India or the UAE, offering only one payment method can mean losing customers at checkout.

In India, some shoppers prefer UPI, while others are more comfortable using credit cards, debit cards or their bank’s net banking service. In the UAE, customers largely expect credit and debit card payments in AED, with some also using international cards. Some customers in both markets prefer wallets or EMI options for higher-value purchases.

This is where a payment gateway such as CCAvenue can be useful.

CCAvenue supports a broad range of online payment methods, including credit cards, debit cards, net banking, UPI, wallets and other payment instruments. Its current payment gateway information lists options such as UPI, 58+ net banking options, 97+ debit cards and multiple prepaid and EMI options.

For WooCommerce store owners, the important part is not simply activating a payment gateway. The goal is to make sure the available payment methods are correctly connected to the checkout, tested properly and presented clearly to customers.

In this guide, we’ll explain how CCAvenue payment modes work with WooCommerce and what you should consider when enabling UPI, cards and net banking on your online store. New to CCAvenue? Start with our CCAvenue WooCommerce integration guide.

What Is CCAvenue?

CCAvenue is an online payment gateway that connects an ecommerce website with payment networks, banks and other financial institutions.

For WooCommerce merchants, it can act as the payment layer between the customer’s checkout and the banking or payment method they choose.

CCAvenue supports multiple payment categories, including:

• Credit cards
• Debit cards
• UPI
• Net banking
• Wallets and prepaid instruments
• EMI options
• International cards, subject to eligibility and approval
• Other supported payment instruments

CCAvenue’s official FAQ states that its platform supports 200+ payment options, although the exact options available to a merchant can depend on approval and configuration.

This means you don’t necessarily have to build separate integrations for every payment method.

Instead, a WooCommerce store can connect to CCAvenue and allow eligible customers to select their preferred payment option through the payment flow.

Why Offer Multiple Payment Methods on WooCommerce?

A customer’s preferred payment method can vary significantly.

For example:

• A mobile shopper may prefer UPI.
• A customer purchasing an expensive product may prefer a credit card or EMI.
• A customer who does not use UPI may choose net banking.
• Some customers may prefer debit cards for everyday purchases.

Providing multiple options gives customers more flexibility during checkout.

The main benefits include:

More payment flexibility
Customers can choose the method they already trust and use regularly.

Better checkout convenience
Customers don’t have to leave your store to find another way to pay.

Support for different customer segments
UPI, cards, banking and wallets appeal to different types of shoppers.

Better suitability for Indian ecommerce
Indian consumers use several digital payment methods, making payment flexibility particularly important for WooCommerce stores targeting the domestic market.

CCAvenue Payment Modes You Can Use With WooCommerce

The exact payment options available to your account depend on your CCAvenue merchant configuration and approval.

However, the major payment categories include the following.

1. UPI Payments

UPI has become an important payment method for Indian ecommerce.

CCAvenue supports UPI payments, allowing customers to pay through supported UPI apps and UPI payment flows.

CCAvenue describes UPI as a mobile-first payment method where customers can make payments directly from their bank account using a UPI-enabled application.

Depending on the checkout flow, customers may be able to use options such as:

• UPI ID
• UPI applications
• UPI QR
• Supported mobile-based UPI flows

CCAvenue’s payment interface currently displays UPI options associated with apps such as Google Pay, PhonePe, Paytm, BHIM and others, although availability can vary by configuration.

Why UPI matters for WooCommerce:
It provides a fast mobile-friendly payment option without requiring customers to manually enter card information.

2. Credit Cards

Credit cards remain important for ecommerce, especially for:

• Higher-value purchases
• Business purchases
• Customers looking for credit-based payments
• EMI transactions where supported

CCAvenue supports major domestic card networks and also offers international card processing subject to merchant eligibility and approval.

A typical card payment may require:

1. Card number
2. Expiry date
3. CVV
4. Additional authentication such as OTP or bank verification

Your store should always ensure that the checkout communicates the payment process clearly.

3. Debit Cards

Debit cards are another important option for Indian WooCommerce stores.

CCAvenue’s official information lists support for major debit-card networks including Visa, MasterCard/Maestro and RuPay.

Debit cards can be particularly useful for customers who prefer paying directly from their bank account without using credit.

4. Net Banking

Net banking is still relevant for customers who prefer making payments directly through their bank.

CCAvenue currently lists 58+ net banking options, with availability subject to merchant approval and bank support.

Customers can generally:

1. Select Net Banking.
2. Choose their bank.
3. Continue to the bank’s authentication/payment flow.
4. Authorise the transaction.
5. Return to the merchant website after the payment process.

CCAvenue states that certain net banking options can be subject to bank approval.

This is important because simply integrating CCAvenue does not necessarily mean every available payment option will automatically be enabled for every merchant.

5. Wallets and Prepaid Instruments

Depending on the merchant account and current availability, CCAvenue can also support wallets and prepaid payment instruments.

Its current payment information lists options including Paytm, MobiKwik, PayZapp, JioMoney and Airtel Payments Bank among supported wallet categories.

Wallet availability can change over time, so merchants should verify the currently approved options in their CCAvenue account.

6. EMI and Other Payment Options

For stores selling expensive products, EMI can be another useful payment option.

CCAvenue’s payment gateway information includes multiple bank EMI options.

For example, eligible customers may be able to select an applicable card EMI option during checkout.

However, EMI availability depends on the merchant configuration, transaction type, bank and customer eligibility.

How to Enable CCAvenue Payment Modes in WooCommerce

The exact setup depends on the CCAvenue integration/plugin being used.

A typical implementation follows this process.

Step 1: Create and Activate Your CCAvenue Merchant Account

Before integrating CCAvenue with WooCommerce, you need an active merchant account.

CCAvenue evaluates merchant applications and requires appropriate business and website information.

Its onboarding guidance mentions website information such as:

• Business description
• Product or service details
• Pricing
• About Us page
• Contact information
• Shipping and delivery policy
• Refund and cancellation policy
• Privacy policy
• Terms and conditions

CCAvenue also notes that payment options are allocated based on approval and that some options can require additional bank approval.

Step 2: Prepare Your WooCommerce Website

Before connecting the gateway, make sure your WooCommerce store is properly configured.

Check:

• WooCommerce is installed and active.
• Products have correct prices.
• Tax settings are configured correctly.
• Currency is configured correctly.
• Checkout fields work properly.
• Shipping settings are correct.
• Refund and cancellation information is available.
• Privacy and terms pages are published.
• SSL/HTTPS is enabled.

A payment gateway should not be treated as an isolated plugin installation. Your complete checkout flow needs to work correctly.

Step 3: Install the CCAvenue WooCommerce Integration

Install your CCAvenue-compatible WooCommerce payment gateway integration.

After installation, go to the WooCommerce payment settings and configure the gateway credentials provided by CCAvenue.

Depending on the integration, you may need values such as:

• Merchant ID
• Access Code
• Working Key
• Encryption-related credentials
• Return/response URLs
• Other integration settings

Use the credentials and integration instructions supplied for your specific CCAvenue account and plugin version.

Step 4: Configure the Payment Gateway

After entering the required credentials, configure the gateway settings.

Typical settings may include:

• Enable/disable gateway
• Merchant credentials
• Test or production environment
• Currency
• Payment description
• Redirect/return behaviour
• Debug logging where available

Save the configuration and check that WooCommerce recognises the payment gateway without errors.

How to Make Sure UPI, Cards and Net Banking Are Available

Installing the gateway does not always mean every payment mode is automatically available.

CCAvenue states that payment options are allocated based on approval. It also notes that some net banking options and international cards can be subject to approval.

Therefore, check the following:

Check 1: Merchant Account Approval

Confirm that your CCAvenue account is fully activated and eligible to accept online payments.

Check 2: Payment Modes

Check your CCAvenue merchant dashboard or onboarding information to confirm which payment methods are enabled.

Check 3: WooCommerce Configuration

Make sure the payment gateway is enabled under:

WooCommerce → Settings → Payments

The exact menu can vary depending on your WooCommerce version and integration.

Check 4: Currency

Make sure the currency configured in WooCommerce is supported by your merchant setup.

CCAvenue supports multiple currencies for eligible merchants, including INR, USD, AED, EUR, GBP and several others.

For UAE stores: set your WooCommerce currency to AED and confirm that AED and your intended card payment methods are enabled on your CCAvenue UAE merchant account. UPI and Indian net banking are India-specific — UAE checkouts typically rely on domestic and international card payments in AED.

Test Every Payment Method Before Going Live

One of the most important steps is testing.

Do not test only one payment method and assume the entire payment system is working.

Create a test checklist for:

• UPI
• Credit card
• Debit card
• Net banking
• Wallets, if enabled
• EMI, if enabled
• Refunds
• Failed payments
• Cancelled payments
• Payment timeout
• Customer returning from the payment page
• Order status updates

Why this matters

A payment can succeed at the gateway but fail to update the WooCommerce order correctly.

For example:

Customer pays → CCAvenue confirms payment → WooCommerce order remains pending

This can create serious operational problems.

Your integration should correctly handle payment responses and update the order status.

Common CCAvenue WooCommerce Payment Problems

Even when the gateway is configured correctly, merchants can encounter payment issues.

Payment Gateway Shows but Does Not Open

Possible causes include:

• Incorrect credentials
• Incorrect environment
• Encryption/working-key mismatch
• Plugin configuration issue
• Server-side request problems

Check the integration settings and server logs.

UPI Is Not Showing

If UPI isn’t appearing, verify:

• UPI is enabled for your merchant account.
• Your integration supports the current CCAvenue UPI flow.
• The gateway configuration is correct.
• Your checkout is not hiding or overriding payment methods.

CCAvenue’s available payment methods can depend on merchant configuration.

Net Banking Options Are Limited

CCAvenue supports a broad range of net banking options, but not every bank is necessarily available to every merchant.

CCAvenue specifically notes that certain bank options are subject to approval.

If an expected bank is missing, check your merchant account rather than assuming the WooCommerce plugin is broken.

Payment Succeeds but Order Remains Pending

This is one of the more important WooCommerce payment issues.

Possible causes include:

• Incorrect response URL
• Webhook/callback issue
• Server firewall blocking requests
• Plugin compatibility problem
• Incorrect encryption configuration
• Hosting or security software interfering with callbacks

The payment gateway integration should be tested for successful payment confirmation and WooCommerce order-status updates. Our guide to common CCAvenue integration errors covers this “paid but pending” problem in detail.

Best Practices for CCAvenue Payment Integration

Keep WooCommerce Updated

Use a supported WooCommerce version and keep your payment integration compatible with it.

Keep WordPress and Plugins Updated

Outdated plugins can create compatibility and security problems.

Use HTTPS

Your checkout should use a valid SSL certificate and HTTPS throughout the payment journey.

Avoid Unnecessary Checkout Customisation

Too many checkout modifications can interfere with payment gateways.

If you customise WooCommerce checkout, test the payment flow after every major change.

Monitor Failed Transactions

Don’t only monitor successful orders.

Review failed and abandoned payments to identify recurring problems.

Test After Major Updates

Always retest payment methods after:

• WooCommerce updates
• WordPress updates
• Payment gateway plugin updates
• Checkout customisation
• Hosting migrations
• PHP upgrades
• Security plugin changes

Why a WooCommerce CCAvenue Integration Should Be Properly Maintained

Payment integration is not a one-time task.

WooCommerce, WordPress, PHP, browsers, payment gateways and banking systems continue to evolve.

A technically correct integration today can require maintenance later.

A proper maintenance process should include:

• Compatibility testing
• Payment-flow testing
• Error-log monitoring
• Security updates
• Checkout testing
• Order-status verification
• Refund testing
• Gateway response testing

This becomes especially important for stores processing a high volume of transactions — and is easier with a maintained plugin such as a CCAvenue Pro plugin backed by ongoing website maintenance.

CCAvenue vs Offering Only One Payment Method

A single payment method may appear simpler, but it can limit customer choice.

For example, imagine a customer reaching your checkout with a ₹15,000 order.

If the store only accepts one payment method that the customer doesn’t use, the customer may abandon the purchase.

With a broader CCAvenue setup, the same customer may have options such as:

UPI → Card → Net Banking → Wallet → EMI

The actual available options depend on the merchant’s CCAvenue configuration.

The goal isn’t to activate every possible payment method blindly. Instead, provide the payment options that are relevant to your customers and business.

How TechBella Solutions Can Help

Setting up a payment gateway is only one part of building a reliable WooCommerce store.

The integration also needs to work correctly with your:

• WooCommerce checkout
• Product pricing
• Taxes
• Order management
• Customer emails
• Refund workflow
• Subscription or recurring-payment requirements
• Custom checkout functionality
• WordPress theme and plugins

At TechBella Solutions, we work on WooCommerce development, payment gateway integration, custom WordPress development and ecommerce solutions. If you are choosing between gateways, see our CCAvenue vs Razorpay vs PayU comparison.

If your WooCommerce store needs a CCAvenue integration or you are facing problems with UPI, cards, net banking, payment callbacks or order-status updates, a properly tested integration can help create a smoother checkout experience.

Frequently Asked Questions