• By Sanjay Dey
• 14 Apr, 2025
• IT Consultancy

🕹️ How to Get a Payment Gateway in India for Skill-Based Games (Ludo, Chess, Carrom, etc.)

If you're building a real-money skill-based game like Ludo, Chess, or Carrom, integrating a payment gateway is a key step to allow players to deposit, withdraw, and participate in cash tournaments. But in India, this isn't as simple as signing up — you need specific approvals and documents.

If you're building a real-money skill-based game like Ludo, Chess, or Carrom, integrating a payment gateway is a key step to allow players to deposit, withdraw, and participate in cash tournaments. But in India, this isn't as simple as signing up — you need specific approvals and documents.

In this blog, we’ll explain:

• ✅ Which payment gateways allow gaming apps

• 📄 What documents are required

• 🛠️ How to get them

• 🔌 How Innovalogic helps clients integrate payment gateways for gaming platforms

🏆 What is a Skill-Based Game?

A skill-based game is where the outcome depends mainly on the player’s skill, strategy, or knowledge rather than chance or luck.

✅ Allowed in India under the law in most states
❌ Not allowed in some states like Assam, Odisha, Telangana (verify regionally)

Examples:

• Ludo

• Chess

• Carrom

• Fantasy Sports (like Dream11)

💳 Top Payment Gateways in India for Gaming (2025)

Here are trusted payment gateways known to support gaming & real-money platforms:

🧠 Tip: Razorpay and Cashfree are the most popular for gaming-based businesses with proper compliance.

📑 Documents Required for Gaming Payment Gateway in India

To get approved by a payment gateway for a real-money game, you need the following:

1. Private Limited Company or LLP Registration

• Gateway won’t approve Individual or Sole Proprietor easily

• Register a Pvt. Ltd. with your game brand (e.g., "PlaySkillz Tech Pvt Ltd")

• Apply via MCA website or use online CA services (like Vakilsearch)

2. PAN Card of Company

• Issued after incorporation

• Apply online through NSDL portal if needed

3. GST Registration

• Mandatory for invoicing, taxation

• Apply at gst.gov.in

4. Website/App with Terms & Privacy Policy

• Your game must have:

  • Terms & Conditions

  • Refund Policy

  • Privacy Policy

  • Responsible Gaming Policy

✅ Hosted on your website or within your app

5. Game Description Document

• A detailed PDF explaining:

  • How the game works

  • Why it is “Skill-Based”

  • Legal compliance (refer Supreme Court judgments)

6. Bank Account in Company’s Name

• For receiving deposits & withdrawals

• Use a current account linked to your company

7. Valid Business Email & Customer Support Contact

• For customer complaints and gateway support

📥 How to Get These Documents Step-by-Step

✅ Step 1: Register a Company

• Use Innovalogic’s CA partners or services like Vakilsearch, IndiaFilings

• Choose “Private Limited” for higher approval chance

✅ Step 2: Apply PAN & GST

• PAN comes with registration

• GST can be done online in 2-3 days

✅ Step 3: Build a Legal Website Page

• Add:

  • Terms and Conditions

  • Refund & Withdrawal Policy

  • FAQs about Skill vs Chance

Bonus: Innovalogic provides a ready-made legal page template for gaming startups.

✅ Step 4: Create Game Flow Document

• Explain the user journey

• Include screenshots

• Highlight skill elements

✅ Step 5: Apply to Payment Gateway

• Razorpay and Cashfree have dedicated onboarding teams for gaming

• Attach all documents and wait for review (2–7 days)

🔌 How to Integrate Gateway into Your Game

You can use:

• API-based integration for custom games

• Hosted checkout if you want a plug-and-play solution

• SDKs for Android, iOS, Unity, or Web

Razorpay & Cashfree both offer ready SDKs for Unity and Android.

💼 Innovalogic Helps You Go Live with Payments Fast

At Innovalogic, we’ve helped dozens of clients launch real-money games with fully verified payment gateway setups.

We provide:

• ✅ Company & GST setup help

• ✅ Game legality & T&C templates

• ✅ Razorpay/Cashfree application support

• ✅ Payment gateway API integration in Unity, PHP, Node, Firebase

• ✅ Ongoing payout & reconciliation support

Whether you’re building a rummy app, chess platform, or Ludo battle, we’ll handle everything — legally and technically.

🚀 Final Thoughts

Setting up payments for a skill-based gaming app in India isn’t impossible — it just needs the right documents, a registered business, and clean compliance.

Want help doing it all the right way, fast?

👉 Talk to Innovalogic. We’ve launched real-money games that are running live with full payment and withdrawal support.