In india when we talk about payment gateways or run search in google. Their are generally 2-3 names comes up with most prominent being of CCAvenues which has spends lot of money on search engine optimization and for you to go forward and select their services. Now first you need to understand their is difference between CCavenues and actually bank.
CCAvenues is just a business service provider who has taken payment gateway services of ICICI Bank and CitiBank and further sub-source it to merchants. Generally taking services directly from banks require lot of initial investment which is where its advantageous to use provider like CCAvenues. Though percentage paid per transaction is almost double as compared to banks service.On an average bank charges 2% per transaction and an account keeping fees of INR 5000 if transactions worth 1L is not achieved per month. One time installation and setup fees vary between INR 25,000-75,000 and you also need to provide bank guarantee of around 1L depending on which bank you select.
If you envision sale volume of atleast 10 Lakh per year than it make more sense to go in for your own payment gateway. If you feel it will be < 10 L than you should look at providers like CCAvenues and Transecute. These service providers charge somewhere between 4-7% per transaction with inital setup fees ranging between 7500-30,000 INR. Advantage with CCAvenues they also offer NetBanking acceptance to accept Debit Cards which is a good thing not available in ICICI bank payment gateway.
If you are still facing problem in deciding which service provider to contact or facing problem with your existing service provider contact Cyberica Net Technologies Pvt. Ltd with 6 years experience in payment gateway integration and operation and these days having me at technical helm would surely be an advantage for your online strategy and business.
Disclosure : The above is not an advertisement for Cyberica services as the knowledge discussed is based on my experience working at projects for cyberica need to give due credit to organization and its skills.