Ask HN: Your experience with payment gateways in India

So, I was creating an small web application targeted towards Indian consumers. I came to the stage where I started to look into available payment options and was surprised to see how broken it is. There are no payment gateways which offer recurring payments, TDR is so high that it is almost impossible to do small payments, websites of all the payment gateways sucks badly. This is my first experience with online payments. I am really still wondering why it is so much broken and probably this is the reason why small web applications are not coming out of India ? Or because there are not many developers who build such applications that these payment gateways don't care at all about them. I really want to hear back from fellow hackers with similar experiences.