For New Delhi embassy you pay fee on
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after submit, not before. You upload docs first, then click submit application, then system opens payment gateway. You can use Indian card to pay DTV fee, around forty thousand INR. You will not see pay option while still in draft.
So finish your PCC upload, review all files, then hit submit. Once submitted you get payment link and reference code. Save that receipt. Delhi embassy does not take cash or separate transfer for e visa route.
The payment screen location for Delhi DTV is shown clearly in Unlock Thailand by Isla Rey on Amazon, with screenshots for workation category. Check that before final submit so you do not get stuck.