Which one should an Indian app actually integrate in 2026?In 2021 I integrated Stripe for a SaaS product whose users were mostly in the US. " I learned the hard way that a payment gateway is not a drop-in component: the answer depends on where your users pay, how they pay, and who your merchant account is with. What works for a US subscription service is a bad fit for a UPI-first Indian consumer base. That experience cost me two failed integrations and one painful migration before I settled on a decision process. This article is that process applied to the three gateways every Flutter developer in India actually evaluates: Stripe, Razorpay, and Cashfree.