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
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)
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.
To get approved by a payment gateway for a real-money game, you need the following:
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)
Issued after incorporation
Apply online through NSDL portal if needed
Mandatory for invoicing, taxation
Apply at gst.gov.in
Your game must have:
Terms & Conditions
Refund Policy
Privacy Policy
Responsible Gaming Policy
✅ Hosted on your website or within your app
A detailed PDF explaining:
How the game works
Why it is “Skill-Based”
Legal compliance (refer Supreme Court judgments)
For receiving deposits & withdrawals
Use a current account linked to your company
For customer complaints and gateway support
Use Innovalogic’s CA partners or services like Vakilsearch, IndiaFilings
Choose “Private Limited” for higher approval chance
PAN comes with registration
GST can be done online in 2-3 days
Add:
Terms and Conditions
Refund & Withdrawal Policy
FAQs about Skill vs Chance
Bonus: Innovalogic provides a ready-made legal page template for gaming startups.
Explain the user journey
Include screenshots
Highlight skill elements
Razorpay and Cashfree have dedicated onboarding teams for gaming
Attach all documents and wait for review (2–7 days)
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.
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.
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.
