I have a good experience with payumoney.com . this is very easy and simple payment gateway. I use this app from last 3 months and I am very happy with this app. when I first time use this app I got 90% cash back same whenever I did mobile transaction always I got cash back some time 20% some time 40% that is very good for me services and support are very good.this is very user friendly app and take few minutues to load.
it is a indian company when you transfer the amount through Payumoney the amount is transfered instantly without any issue.costing charges are zero you can free signup and create your account.
it is one of the safe and secure payment gateway.
overall I can say it is a money saver gateway also and I am happy to use this app.