The digital payment industry has grown exponentially over the past years but its growth has been made even more apparent by the COVID-19 pandemic. With consumers around the world transitioning to cashless transactions, there are still B2B payments processed with paper checks and invoices. While the majority of B2B companies have adopted electronic payment methods since the onset of the pandemic, the rest are still on the fence, skeptical about the security and operational resiliency of digital payments.

With so many powerful and popular payment gateways in the market today, how does one know he’s chosen the right one? The decision on whom to entrust your sensitive payment information is always a tough one.

However, this article will provide you with the best options in the market today, so you can make the right decisions when it comes to payment gateway providers. Let’s get into it.

• What are Payment Gateway Providers?
• What is the Best Payment Gateway Provider?
• How to Choose the Right Payment Gateway
• Best Payment Gateway for International Transactions
• Payment Gateway vs Payment Processor
• Payment Gateway Integration
• Online Payment Platforms
• Payment Gateway Providers for Small Business
• Payment Gateway in the USA
• Payment Gateway Market Size
• Which Payment API is Best?
• Which is the Best and Cheap Payment Gateway?
• Top Payment Gateways in Europe
• Best Payment Gateway Providers in India
• Best Payment Gateway for Shopify Australia
• Best Online Payment Service
• 20 Best Payment Gateway Providers

What are Payment Gateway Providers?

A payment gateway is where online shoppers securely enter their payment information. The gateway reads, encrypts and transmits data from credit cards, online wallets and other payment methods to authorize a transaction, meaning that it helps verify that the payment is legitimate.

Payment gateways also often provide payment processing services.

Read Also: What are Cross Border Payments?

Payment gateways are a necessity for online businesses. The best gateways help you become a sales powerhouse by minimizing fees and offering a simple experience — for you and your customers. Consider your sales volume, coding skills and overall payment needs to find the right fit for your business.

What is the Best Payment Gateway Provider?

Choosing the best payment gateway provider for your eCommerce website is a tedious process. While picking, you should ensure that the customer payment experience is smooth, fast, and secure. This helps to increase the trust among the customers and make them come back to purchase other products or services in the future.

The best payment gateway provider?

Paypal is an eCommerce payments platform designed to help people and companies to send and receive payments without providing financial information. It is one of the top-rated payment gateways that allow users to send or receive payments across the globe with just email address instantly. 

It is very easy to buy or sell using your mobile phone on any merchant website or app. Paypal operates in 203 countries and it supports widely used credit cards like Visa, Mastercard, Citibank, American Express, etc.

Features:

• PCI compliance
• Inventory tracking
• Shopping cart
• Virtual terminal
• Credit card reader
• Express checkout
• Mobile card reader
• Barcode scanning
• Online invoicing
• Bill me later

How to Choose the Right Payment Gateway

Knowing today’s best vendors is but one of the many necessary steps before making a vendor selection. And for good measure, it also pays to be on top of the current online payment statistics.

Here are some questions to address to help you make that sound decision:

• Do you need an integrated or hosted payment gateway?
• Does it offer convenience to your customers?
• Is it accepted in the countries where your customers reside?
• Does it offer robust security?
• What are the pricing structures?
• Who owns your customers’ data?
• Does the vendor offer efficient customer support?
• Finally, does it prepare your business for the future?

Use the answers to these questions once you have your own vendors’ shortlist. Once you’ve identified a few providers that passed your standards, then you can make the final selection. It’s also helpful to know some of the best practices in implementing payment gateway services.

Best Payment Gateway for International Transactions

There are so many international payment gateways available in the market and most business owners are confused about choosing the one. So, don’t worry! We have curated a list of International Payment Gateways and things to consider before purchasing the most appropriate International Payment Gateways which is as follows:

• Easy integration with other websites
• Security standards
• Pay-out time
• Multi-currency Support
• 24/7 Support via Email, live chat, or Phone Call

Here are the top international payment gateway providers

1. PayPal
2. Worldpay
3. Opayo (Sage Pay)
4. Braintree
5. Stripe
6. Amazon Pay
7. Adyen
8. Checkout.com
9. 2Checkout (Verifone)
10. Authorize.net

Comparing the Top International Payment Gateways Worldwide in 2022:
Payment Gateway	Transaction Fees	Supported Payment Methods	Security Features	Recurring Payments	Partial Payments	Contact
PayPal	4.40% + Fixed fee	PayPal balance, Bank account, PayPal Credit, Debit or credit cards, and Rewards balance	Secure HTTPS connections, Strong TLS configurations, and PCI-DSS	Yes	Yes	https://www.paypal.com/in/smarthelp/contact-us
Worldpay	From £19/month for 350 transactions	Credit Cards: American Express, Diners Club, Discover, JCB, MasterCard, and VisaDebit Cards: VisaElectron, Carte Bancaire, MasterCard, and VisaPaypal	PCI compliant	Yes	Yes	https://www.fisglobal.com/en/contact-us
Opayo (Sage Pay)	Enquire Now	Credit/Debit Cards: Mastercard, Visa, American Express, Maestro, and Discover Global NetworkPaypal	PCI-DSS compliant Level 1	Yes	No	https://www.opayo.co.uk/contact-us
Braintree	Cards and digital wallets: 2.59% + $.49 per transactionVenmo: 3.49% + $.49 per transaction ACH Direct Debit:0.75% per transaction	Digital Wallets: PayPal, Venmo, Apple Pay, Google Pay, and more Credit/Debit Cards: American Express, Discover, Mastercard, Visa, and UnionPayBank Directs: Bancontact, BLIK, iDeal, eps, GiroPay, MyBank, P24, Sofort, and TrustlyDirect Banking: ACH direct Wallets: Apple pay, Google pay, Samsung pay, and Secure remote commerce	PCI-DSS compliant Level 1	Yes	Yes	https://www.braintreepayments.com/dk/contact
Stripe	2.9% + 30¢ per transaction	Debit/Credit Cards: Visa, Mastercard, and MaestroMobile Wallets: Alipay, Apple Pay, Google Pay, Microsoft Pay, Click to Pay, and WeChat payBank TransfersBank Redirects	HTTPS and HSTS	Yes	Yes	https://stripe.com/in/contact
Amazon Pay	Domestic Transactions: 2.9% + $0.30 per transaction International Transactions: 3.9% + $0.30 per transaction	Credit/Debit Cards: Visa, Mastercard, Discover, American Express, Diners club, and JCBOthers: Amazon Store Card	HTTPS secure, TLS and SSL	Yes	Yes	https://www.amazonpay.in/contact
Adyen	$0.12 + payment method fees	Credit/Debit Cards: Visa, Mastercard, Discover, American Express, Diners club, and JCBOnline Banking: iDeal and SofortWallets: Alipay, Google Pay, Amazon Pay, and PayPalOthers: Apple Pay and Boleto	PCI-DSS v3.2 compliant	Yes	Yes	https://www.adyen.com/contact
Checkout.com	View Pricing	Credit/Debit Cards: Visa, Maestro, American Express, Diners Club, Discover, and JCBWallets: Apple Pay, Google Pay, Benefit Pay, and Visa Checkout	PCI-DSS compliant Level 1	Yes	Yes	https://www.checkout.com/contact-us
2Checkout (Verifone)	Starts at 3.5% + $0.35 per transaction	Credit/Debit Cards: Visa, Maestro, American Express, Eurocard, Bancontact, Diners Club, Discover, and JCBDigital Wallets: PayPal, Alipay, Apple Pay, Webmoney, WeChat Pay, Skrill Wallet, and NetellerOnline Banking: SOFORT Banking, Giropay, iDEAL, OP-Pohjola, Nordea, and moreDirect DebitOffline Payments	PCI-DSS Level 1 compliant, PSD2, BBR Accreditation, and SSAE 18 compliant	Yes	Yes	https://www.adyen.com/contact
Authorize.net	$25 monthly + 2.9% + 30¢ per transaction	Debit/Credit Cards: Visa, MasterCard, Discover, American Express, and JCBPayPalOthers: Visa Click to Pay, Apple Pay, and eCheck	13 fraud detection filters	Yes	Yes	https://www.authorize.net/en-us/support.html

Payment Gateway vs Payment Processor

Payment gateway and payment processor are two key links in the payment processing chain. As a business owner, you’ve probably heard these terms and wondered what the difference is.

A payment processor executes the transaction by transmitting data between you, the merchant; the issuing bank (i.e., the bank that issued your customer’s credit card); and the acquiring bank (i.e., your bank). The payment processor also typically provides the credit card machines and other equipment you use to accept credit card payments. To accept credit cards at your business, you’ll set up a merchant account with a merchant service provider.

What is a payment gateway?

A payment gateway is a tool that securely transmits the online payment data to the processor to continue the lifecycle of the transaction. It also authorizes payments for card-not-present transactions, mostly for eCommerce websites. Think of it as an online point-of-sale terminal for your business. 

The difference is a payment processor facilitates the transaction and a payment gateway is a tool that communicates the approval or decline of transactions between you and your customers. 

To put it in perspective, the main differences between a payment gateway and a payment processor are:

Payment Gateway	Payment Processor
A payment gateway is a technology that encrypts and transmits the payment details from the point of entry to the payment processor. It also communicates the approval or declines back to the merchant or the customer.	A payment processor is responsible for relaying transaction details to and from the customer’s card-issuing bank and the merchant’s acquiring bank.
Payment gateways are commonly used for eCommerce transactions, but can also be used to accept payments with a credit card reader, POS system, or software integration.	Payment processors are necessary for all card-based transactions, whether the sale happens online, in person, or through a mobile app.

The most common use of a gateway is to accept payments for goods and services online; however, in today’s payments landscape, gateway technology has expanded to create a seamless buying experience across all sales channels and devices. In addition to eCommerce transactions, a gateway can also be used to integrate payments with your accounting or CRM software or process transactions at a point-of-sale system or on a mobile device.

Not all merchant account providers have a payment gateway. Some providers use a third-party payment gateway, which can be a hassle when you have a dispute. Who should you contact when you have a problem?

It may be best to select a merchant account and a payment gateway from a single provider. Using a payment gateway to securely process integrated payments can reduce errors, speed up transaction processing, and ease reconciliation.

If you don’t want to invest in credit card readers, or if you don’t have an eCommerce website, you can use a virtual terminal to process transactions, as long as you have an Internet or data connection.

Payment Gateway Integration

Generally, there are four main methods to integrate a payment gateway. All of them differ by two major factors:

• whether you must be in compliance with any financial regulation (PCI DSS), and
• the degree of user experience concerning the checkout and payment procedure.

What is PCI DSS compliance and when do you need it?

In case you just need a payment gateway solution and don’t plan to store or process credit card data, you may skip this section because all the processing and regulatory burden will be carried out by your gateway or payment service provider.

But in case you’re going to deal with sensitive financial data, you’ll need to comply with some industry regulations. Payment Card Industry Data Security Standard (PCI DSS) is a necessary element for processing card payments. This security standard was created in 2004 by the four biggest card associations: Visa, MasterCard, American Express, and Discover.

To become PCI compliant, you will have to complete 5 steps:

1. Define your compliance level. There are four levels of compliance that are determined by the number of safe transactions your business has finished. Transactions count if they were done via MasterCard, Visa, American Express, or Discover cards, and there was a certain number of successful transactions.
2. Study the PCI Self-Assessment Questionnaire (SAQ). SAQ is a set of requirements and sub-requirements. The latest version has 12 requirements.
3. Complete the Attestation of Compliance (AOC). AOC is a kind of exam you take after reading the requirements. There are 9 types of AOC for different businesses. The one required for retailers is called AOC SAQ D – Merchants.
4. Conduct an External Vulnerability Scan by the Approved Scanning Vendor (ASV). The list of ASVs can be found here.
5. Submit your documents to the acquirer bank and card associations. The documents include the ASV scan report and your filled-in SAQ and AOC.

Given this information, we’re going to look at the existing integration options and explain the pros and cons of each. We’ll also focus on whether you must comply with PCI DSS in each case as we explain what integration methods suit different types of businesses.

Hosted gateway

A hosted payment gateway acts as a third party. So it requires your customers to leave your website to complete a purchase. Basically, that’s the case when a customer is redirected to a payment gateway web page to type in their credit card number. When the transaction data is sent, the customer is redirected back to the merchant’s page.

How to integrate: Integration guides are generally open on the vendor’s websites and the connection happens through an API. For example, PayPal Checkout suggests integration in the form of a Smart Payment Button. Basically, it’s a piece of HTML code that implements a PayPal button on your checkout page. It invokes the PayPal REST API calls to validate, collect, and send payment information through a gateway, whenever a user triggers the button.

Direct Post method

Direct Post is an integration method that allows a customer to shop without leaving your website, as you don’t have to obtain PCI compliance. Direct Post assumes that the transaction’s data will be posted to the payment gateway after a customer clicks a “purchase” button. The data instantly gets to the gateway and processor without being stored on your own server.

How to integrate: A vendor would set up the API connection between your shopping cart and its payment gateway to post the card data.

Non-hosted (integrated) method

An integrated payment gateway basically means there are no third parties involved at the payment checkout stage. Companies using integrated gateways obtain PCI DSS compliance, which means they’re in charge of storing, securing, and conducting initial verification for each transaction. This is done by installing a payment gateway solution available on the merchant’s website.

In some cases, companies can use a white-label payment gateway as a non-hosted solution. This is basically a prebuilt gateway that can be customized and branded as your own. Here are some well-known white label solutions designed for merchants:

• PayXpert
• Akurateco
• Hips
• PayPipes
• MasterCard

An integrated gateway can be a dedicated source of revenue, as merchants that obtain all the necessary compliance become payment service providers themselves. This means your business can process payments for other merchants for a fee. But, besides the regulatory aspect, being a payment gateway provider brings a technological burden, because you need an infrastructure to safely store transaction data, credit card tokens, etc.

How to integrate: Non-hosted payment gateways are integrated via APIs to your server. Consequently, it will require an engineering team to perform the integration. Most vendors have well-documented integration guides, API references, or developer portals.

Online Payment Platforms

Here are the top online payment systems for all your payment processing needs.

1. WildApricot Payments

WildApricot Payments is WildApricot’s own payment processing system, powered by AffiniPay, a payment gateway that specializes in payment solutions for associations.

AffiniPay has over a decade of experience in the payment industry, and an A+ rating from the Better Business Bureau. Both AffiniPay and WildApricot Payments are fully PCI compliant and were built specifically for nonprofit transactions, meaning they support recurring donations and offer free support and PCI compliance, as well as no setup or monthly fees.

Plus, while some online payment systems require you to transfer your money to your bank account, with WildApricot Payments the full transaction amount is deposited directly into your bank account without you lifting a finger. 

If you’d like to set up online payments for your organization,  you can start a risk-free 30 day trial of WildApricot’s Membership Management Software

Costs: 2.9% + $0.30 per Credit/Debit transaction

2. Stripe

Stipe is the most flexible payment processor on the market. Whether you’re a large nonprofit with different donation streams or a small club/association, Stripe’s API will easily link your payments anywhere needed. You can even transfer from LLC to corporate status!

Costs: 2.9% & $0.30 per Credit/Debit transaction + 0.4% per recurring bill

3. Apple Pay

For online payments, Apple Pay has the most seamless payment options on the market. Users can instantly pay using their existing Apple Wallets with the touch of a button (or fingerprint scan). Note that they are not a payment provider, though, so you’ll need to be set up through one of the others in this list if you want to accept other kinds of payments. 

Costs: No additional fees charged on top of normal credit transaction fees (1.5 – 5% average in USA)

4. Dwolla

Dwolla has a wide variety of integrations and is very flexible. If you require multiple payment structures like installment payments, multiple-stage interests, and varying recurring charges, Dwolla can handle it all. Best of all, their fee structure is very competitive.

Costs: $25 per month + 0.5% per transaction

5. Due

Due is a feature-packed payment processor that’s ready for 21st century needs. Due gives users access to virtual wallets, secure transactions, and even time tracking software. If you’re looking for a broad solution with different forms of payment forms, Due is a great choice.

Costs: 2.8% + 2.9% & $0.30 per Credit/Debit transaction

6. Square

Square was the first in the game to introduce a credit card swiper that could be attached to a cell phone, paired with an app, and process transactions. Their technology has only improved with advanced tap features, as well as fully inclusive software to safely and securely process your transactions. 

Costs: 2.65% per card transaction, 2.9% + 30 cents per paid Square Invoice or online transaction, 3.4% + 15 cents per manually entered transaction and $0.10 per Interac debit tap sales

7. PayPal

PayPal is one of the most widely used payment providers, which is their biggest edge. Chances are most of your potential supporters and customers already have accounts with PayPal, and can make payments with ease. PayPal also takes all security concerns onto themselves, meaning you won’t be storing any credit card information (like most other payment processors).

Costs: 2.9% + $0.30 per Credit/Debit transaction

8. Authorize.net

As the oldest and most wide-spread payment solution on this list, Authorize.net can do pretty much anything you’ll ever need payment-processing wise. With Authorize.net, you’ll never have an unsupported payment type since they stay up to date on trending payment methods, and even won an award for their outstanding API integrations.

Costs: $25 per month + 2.9% & $0.30 per transaction

Payment Gateway Providers for Small Business

1. Clover

Launched in 2012, Clover is a cloud-based POS system and merchant service provider that offers in-store and online payment processing technology. Clover uses a flat-rate pricing structure. For in-person payments, rates range from 2.3% to 2.6% plus 10¢ per transaction, while online rates come in at 3.5% plus 10¢ per transaction.

Features

Clover offers much more than debit and credit card processing. Additional services include:

• Mobile device payments
• Wireless processing
• POS systems
• Virtual terminals
• Analytics and reporting
• Integrated merchant accounts
• An expansive app marketplace

2. Square

Square is an inexpensive payment solution that operates on a flat-rate pricing structure and charges no monthly subscription fee. Square’s fees come to 2.6% plus 10¢ for in-person transactions, and 2.9% plus 30¢ for online transactions. 

Features

Squares offers a variety of features designed for small businesses. They include:

• POS systems
• Free invoicing functions
• A free mobile device card reader
• API integrations
• Analytics
• Retail and restaurant-specific software solutions

3. Stax

Stax is a membership-style merchant account provider that charges businesses a monthly subscription fee ranging from $99 to $199, interchange fees, plus a per-transaction fee that ranges from 8¢ to 15¢ per transaction.

Features

Stax offers a range of merchant services, including:

• 24/7 customer service
• POS systems
• Physical credit card terminals
• A free virtual terminal
• Payment gateways
• Same-day funding options
• PCI compliance
• Integrated merchant accounts

4. Stripe

Stripe is a credit card processing company that uses a flat-rate pricing structure, charging 2.9% plus 5¢ for online payments and 2.5% plus 30¢ for in-person transactions.

Features

Stripe’s features are tailored to both retail and e-commerce companies. Highlights include:

• Virtual terminal
• Physical terminal
• Large library of platforms and extensions
• Accepts international payments and over 135 currencies
• 24/7 customer service
• Integrated billing and invoicing 

5. Payment Depot

This membership-based merchant account provider charges interchange fees plus a per-transaction fee that ranges from 7¢ to 15¢ per transaction.

Features

Payment Depot is a merchant services provider with numerous features:

• Free virtual terminal
• Physical card terminals
• 24/7 customer service
• PCI compliance 
• Payment gateway
• Integrated merchant accounts

Payment Gateway in the USA

If you are a business in the US, you have multiple options to choose from among the top payment gateways in the USA. Based on factors like easy integration, compatibility with your CMS, security, pricing, and ease of use, you need to select the best US payment gateway from the list.

It ain’t an easy task when you have a long US payment gateway list.

• PayPal
• Authorize.Net
• Stripe
• 2Checkout
• Amazon Pay
• PaySimple
• WePay
• Braintree
• Payline
• WorldPay (Direct)

Payment Gateway	Transaction Fees	Supported Payment Methods	Security Features	Recurring Payments	Partial Payments	Contact
PayPal	4.40% + Fixed fee	PayPal balance Bank account PayPal CreditDebit or credit cards Rewards balance	Secure HTTPS connections, Strong TLS configurations, and PCI-DSS	Yes	Yes	https://www.paypal.com/in/smarthelp/contact-us
Authorize.net	$25 monthly + 2.9% + 30¢ per transaction	Debit/Credit Cards: Visa, MasterCard, Discover, American Express, and JCBPayPalOthers: Visa Click to Pay, Apple Pay, and eCheck	13 fraud detection filters	Yes	Yes	https://www.authorize.net/en-us/support.html
Stripe	2.9% + 30¢ per transaction	Debit/Credit Cards: Visa, Mastercard, and MaestroMobile Wallets: Alipay, Apple Pay, Google Pay, Microsoft Pay, Click to Pay, and WeChat pay Bank TransfersBank Redirects	HTTPS and HSTS	Yes	Yes	https://stripe.com/in/contact
2Checkout (Verifone)	Starts at 3.5% + $0.35per transaction	Credit/Debit Cards: Visa, Maestro, American Express, Eurocard, Bancontact, Diners Club, Discover, and JCBDigital Wallets: PayPal, Alipay, Apple Pay, Webmoney, WeChat Pay, Skrill Wallet, and NetellerOnline Banking: SOFORT Banking, Giropay, iDEAL, OP-Pohjola, Nordea, and moreDirect DebitOffline Payments	PCI-DSS Level 1 compliant, PSD2, BBR Accreditation, and SSAE 18 compliant	Yes	Yes	https://www.2checkout.com/contact/
Amazon Pay	Domestic Transactions:2.9% + $0.30 per transaction International Transactions:3.9% + $0.30 per transaction	Credit/Debit Cards: Visa, Mastercard, Discover, American Express, Diners club, and JCBOthers: Amazon Store Card	HTTPS secure, TLS and SSL	Yes	Yes	https://www.amazonpay.in/contact
PaySimple	Credit card:2.49% per transaction + monthly fees ACH/ eCheck:$0.65 + 0.20%	Credit cardACH Payments	PCI-DSS compliant	Yes	No	https://paysimple.com/contact
WePay	Card: 2.9% + 30¢ per transaction ACH:1% + 30¢ per transaction	Debit/Credit cardsACH Payments	Level 1 PCI compliant	Yes	No	https://support.wepay.com/hc/en-us
Braintree	Cards and digital wallets: 2.59% + $.49 per transaction Venmo: 3.49% + $.49 per transaction ACH Direct Debit: 0.75% per transaction	Digital Wallets: PayPal, Venmo, Apple Pay, Google Pay, and moreCredit/Debit Cards: American Express, Discover, Mastercard, Visa, and UnionPayBank Directs: Bancontact, BLIK, iDeal, eps, GiroPay, MyBank, P24, Sofort, and TrustlyDirect Banking: ACH direct Wallets: Apple pay, Google pay, Samsung pay and Secure remote commerce	PCI-DSS compliant Level 1	Yes	Yes	https://www.braintreepayments.com/contact
Payline	2.25% transaction cost	Credit Cards: Visa, MasterCard, American Express	PCI compliant	Yes	No	https://paylinedata.com/signup-today
Worldpay	From £19/month for 350 transactions	Credit Cards: American Express, Diners Club, Discover, JCB, MasterCard, and Visa Debit Cards: VisaElectron, Carte Bancaire, MasterCard, and VisaPaypal	Secure HTTPS connections, Strong TLS configurations, and PCI-DSS	Yes	Yes	https://www.fisglobal.com/en-gb/merchant-solutions-worldpay/get-in-contact

Payment Gateway Market Size

The global payment gateway market size was valued at USD 22.09 billion in 2021 and is expected to expand at a compound annual growth rate (CAGR) of 22.1% from 2022 to 2030. The market growth can be attributed to the increasing demand for mobile-based payments across the globe.

Rising e-commerce sales and growing internet penetration globally are other significant factors that are anticipated to contribute to the growth of the market for payment gateway. Additionally, the shift in merchant and consumer preference to digital channels for enabling online money transfers is projected to propel the growth of the market in the forthcoming years.

Report Attribute	Details
Market size value in 2022	USD 26.79 billion
Revenue forecast in 2030	USD 132.24 billion
Growth rate	CAGR of 22.1% from 2022 to 2030
Base year of estimation	2021
Historical data	2017 – 2020
Forecast period	2022 – 2030
Quantitative units	Revenue in USD billion and CAGR from 2022 to 2030
Report coverage	Revenue forecast, company market share, competitive landscape, growth factors, and trends
Segments covered	Type, enterprise size, end-use, region
Regional scope	North America; Europe; Asia Pacific; Latin America; MEA
Country scope	U.S.; Canada; Germany; U.K.; China; India; Japan; Brazil
Key companies profiled	Adyen; Amazon Payments Inc.; Authorize.Net; Bitpay; Inc.; Braintree; PayPal Holdings, Inc.; PayU Group; Stripe; Verifone Holdings, Inc.; Wepay, Inc.
Customization scope	Free report customization (equivalent up to 8 analysts working days) with purchase. Addition or alteration to country, regional & segment scope
Pricing and purchase options	Avail customized purchase options to meet your exact research needs.

Which Payment API is Best?

Payment APIs are APIs (Application Programming Interfaces) designed for managing payments. They enable eCommerce sites to process:

• credit cards,
• track orders,
• and maintain customers lists.

In many instances, they can help protect merchants from fraud and information breaches. They can also simplify regulatory compliance. Payment APIs can integrate multiple payment sources and provide customers with a means of tracking their payments.

Many of them permit managing recurring subscriptions.

API	Cost	Accept Credit Cards	Accept Bank Payments	Accept Crypto Payments	Serving Area
Stripe	2.9% + $0.30	yes	yes	no	Worldwide
Noodlio	3.4% + $0.40	yes	no	no	Worldwide
Square	2.9% + $0.30	yes	no	no	Worldwide
PayPal	2.9% + $0.30	yes	yes	no	Worldwide
Ayden	varies (usually 2.9% + $0.30)	yes	yes	yes	Europe
PayBook	$50/month	no	no	no	Latin America
KeyPay	$4/employee	no	no	no	Australia
BIPS Invoice	??	no	no	yes	Worldwide
PayMill	2.95% + 0.28 EUR	yes	no	no	Europe

Which is the Best and Cheap Payment Gateway?

Payment gateways are closely tied to payment processors, which move the information to and from the various financial institutions involved in a card transaction. While the functions of these two services are distinct, companies often offer them in tandem.

Adyen

Monthly fee: None.

Pricing type: Interchange plus.

Pricing details: Interchange plus 12 cents for most payment types plus an acquiring fee, which varies based on the payment method and what country the shopper is in.

Why we like it: Adyen’s slim margin of just 12 cents on top of standard bank and card network fees is among the lowest we’ve seen. However, there are monthly transaction volume minimums, and you’ll need to contact Adyen to see if you qualify.

Helcim

Monthly fee: None.

Pricing type: Interchange plus.

Pricing details:

• Interchange plus 25 cents and 0.5% for businesses that do up to $25,000 in monthly card sales. This rate gets cheaper if your volume increases.
• The company says if the normal variety of cards is used and your average sale is $50, you’ll pay an average of 2.61% plus 25 cents per transaction.

Why we like it: Helcim offers low interchange rates, and its website shows exactly what you’ll pay for any type of card a customer uses.

Stripe

Monthly fee: None for pay-as-you-go; $10 per month for hosting Stripe Checkout on your site.

Pricing type: Flat rate.

Pricing details: 2.9% plus 30 cents.

Why we like it: Stripe and Braintree both offer payment gateways with high levels of customization. They both also use flat rates. Stripe’s variable rate (2.9%) is higher than Braintree’s, but the flat rate (30 cents) is lower, making it the cheaper option if your average transaction is under $61.

Braintree

Monthly fee: None if you use Braintree as a processor; $49 per month and 10 cents per transaction if you use a different payment processor.

Pricing type: Flat rate.

Pricing details:

• 2.59% plus 49 cents per transaction credit cards, debit cards and digital wallets.
• 3.59% plus 49 cents for Venmo (U.S. only), transactions in non-U.S. currency or transactions outside the U.S.
• 0.75% for ACH (maximum fee of $5). Discounts are available for enterprise businesses.

Why we like it: Braintree is owned by PayPal and benefits from its additional built-in payment options, like Venmo and “buy now, pay later.” It’s cheaper than the PayPal-branded payment gateway, but it requires coding skills to use.

Stax

Monthly fee: Monthly subscriptions start at $99.

Pricing type: Interchange plus.

Pricing details: Interchange plus 15 cents for keyed-in transactions.

Why we like it: Stax’s rate doesn’t add a percentage margin to the interchange rate — it adds only a 15-cent fee. However, there’s a monthly fee that can be hefty for some. If you’re spreading it across a high sales volume, it could end up being cost-effective.

Top Payment Gateways in Europe

There are many payment gateways available in Europe, but not all of them are created equal. Here are our top picks for the best payment gateways in Europe:

1. SecurionPay:

If you’re looking for a payment gateway in Europe, SecurionPay is a great option. They offer fast and secure payments, and their customer service is excellent. I highly recommend them!

SecurionPay is a great choice for businesses of all sizes. They have flexible pricing plans that cater to your specific needs, and their platform is safe and secure.

2. Skrill:

Skrill is one of the leading payment gateways in Europe, and it offers a variety of features that make it an attractive option for online transactions. For businesses, Skrill provides a way to accept payments from customers in multiple currencies. It also offers fraud protection and dispute resolution services.

For individuals, Skrill allows users to send and receive money without the need for a bank account. It also offers a prepaid MasterCard, which can be used to withdraw cash from ATMs or make purchases online.

3. BlueSnap

BlueSnap is a payment gateway that operates in Europe. The company has been in operation since 2002 and is headquartered in the United Kingdom. BlueSnap provides a number of payment options for merchants, including credit and debit cards, bank transfers, and e-wallets.

The company also offers a mobile payment solution. BlueSnap is regulated by the Financial Conduct Authority (FCA) and is a member of the Payment Card Industry Data Security Standard (PCI DSS). The company is also compliant with the General Data Protection Regulation (GDPR).

4. Melio

Melio is a payment gateway that is headquartered in Europe. The company has been in operation since 2007 and offers payment processing services to businesses in over 30 countries. Melio offers a number of features that make it an attractive option for businesses, including support for multiple currencies, and it supports Apple Pay and Google Pay.

5. Mollie

Mollie is one of the leading payment gateways in Europe, offering merchants a solution to accept online payments. Mollie integrates with numerous e-commerce platforms and shopping carts, making it easy for businesses of all sizes to start accepting online payments.

With this payment gateway, you can accept all major credit and debit cards, as well as popular local payment methods, such as iDEAL in the Netherlands, Bancontact in Belgium, and Sofort in Germany. Mollie also offers a wide range of integrations with popular e-commerce platforms, such as Shopify, Woocommerce, Magento, and PrestaShop.

Mollie is trusted by tens of thousands of businesses in Europe and is recognized as a popular and reliable payment gateway. In addition to offering a robust and easy-to-use solution, it is also known for its excellent customer support. If you have any questions or need help getting started, the Mollie team is always happy to assist.

Best Payment Gateway Providers in India

1. Razorpay:

Harshil Mathur is CEO and co-founder of Razorpay since 2014 December. Razorpay has become one of the top payment gateways of India. 

This online payment gateway accepts payment from customers and automates payout to vendors and employees. Debit cards, credit cards, net banking, UPI, and wallets like JioMoney, Mobikwik are accessed in Razorpay. Great player of the market like Unacademy, UrbanClap, Zoomcar, Groofers, Bookmyshow has been using Razorpay payment gateway. Razorpay is one of the most lovable payment gateways of India, where it has end-to-end transaction security. you can manage your businesses in Razorpay and also automate your business. 

Razorpay also gives you a Razorpay router API, where you would be able to integrate with Magento 2, and helps you to manage money flow and split money payment between partners or individual person.

This payment gateway has tools that will automate your business to accept online payment with a good customer experience .some of the features of Razorpay are,

Instant activation,

Easy integration,

API Driven,

100+ payment modes,

Simple Pricing,

Best in industry support,

Dashboard reporting,

And Security

It has 2% to 3% transaction fee depending upon payment mode.

It offers 100+ payment options with the UPI auto-pay system.

2. Instamojo

Instamojo is one of the largest full-stack SME platforms. Instamojo is the easiest way to build your business online, where you will get functional online stores, in-built payments, built-in marketing tools, and more. Instamojo supports 15 lakh + Indian independent businesses with online stores and online payment solutions.

Instamojo has an online setup, where you would be able to set up your own store, with an easy payment gateway attached to it. Instamojo handles your CRM, analytics, and shipping too.

You can start your journey with a free plan Instamojo and you can upgrade your plan later.

Instamojo has features of an e-commerce mobile app, convenience fee, Instamojo app store, team accounts, bank transfer, credit book.

It has zero setups and maintenance costs. It takes 2% plus Rs 3 per transaction on domestic credit and debit cards, net banking, UPI, and wallet too. And it takes 3% plus Rs 3 per transaction for international cards.

3. Paypal

Paypal is an international financial service company. It is also one of the popular online payment gates in India 2021. Freelancers are more flexible to get paid through PayPal in India.

Yes !! you can start using PayPal not only in India but, wherever you go around the globe.

If you want to know how to get started with PayPal, you can start by signing up with a PayPal account, Then you can link your credit card /debit card and you can start transacting in PayPal.

Paypal has buyer protection, free return shipping.PayPal connects with more than 360 million users in the entire globe. Udemy, MakeMyTrip, ALT Balaji, Gaana and so many companies are customers of PayPal.

Paypal provides online security, fraud prevention, PCI compliance, phishing and live customer support, invoice and track sales. Paypal is secure with 128-bit SLL encryption, zero annual maintenance fee, and zero initial setup fee.PayPal app is available both in ios and SDK for android too.it offers easy integration with websites and multiple payment methods .paypal also offers payment using QR codes. It is a secure and fast payment gateway.

It has 2% plus GST for the domestic transaction fee and 3% plus GST for the international translation fee.

4. CCAvenue

CCAvenue is one of the top 5 online payment gateway founded in 2001, which is authorized by Indian financial institutions. They accept transactions through credit cards, debit cards, net banking, and ATM card. CCAvenue also provides a secure link between websites, institutions, and banks in the transaction.

85% of eCommerce merchants in the country are powered by CCAvenue. CCAvenue has the capacity to process millions of transactions. It collects payments in 27major foreign currencies and allows you to pay in the currency as you are comfortable with. 

It has a multilingual checkout page offered in 18 major Indian and international languages with easy customization. similarly,it has smart dynamic routing, CCAvenue Checkout, card storage Vault, shopping card, cart plugins, iframe integration, responsive checkout page, marketing tools, invoice payments, smart analytics, dynamic event notification, live monitoring pro, fraud, and risk identification system and acknowledgment, fast activation and easy integration with dedicated team for customer support.

5. Cashfree:

Cashfree is one of the online payment gateways of India, where it helps people to transact money between customers and vendors. It is used by 50,000 + businesses for payout in India.

Cashfree supports instant refunds and it is one of India’s leading API banking platform 

That leads businesses to transact money with easy integration of products.

Cashfree has also offered split payment solutions and it is integrated with different well-known brands like Shopify, PayPal, amazon, google pay, ola money.

You can get started cash-free, by signing up cash-free, uploading your business profile, and choosing a product that you are interested in. And once your account is verified, you are good to go with the integration part.

Cashfree is a leading online payment service that is used across various brands and industries like zomato, cred, puma, keto, oriental insurance.

Best Payment Gateway for Shopify Australia

Shopify supports Shopify Payments to accept payments in Australia. With highly competitive pricing and top-of-the-line security, Shopify Payments integrates seamlessly with all the functions of your e-commerce store. Accept credit card payments and process orders quickly with the help of our payment gateway which syncs important information between payments and orders.

• 2Checkout
• 2Checkout Convert Plus (by Verifone)
• Adyen
• Afterpay (New)
• Airwallex
• Alipay – KOMOJU
• APS – Amazon Payment Services
• Asiabill Local Payments
• Asiabill Payments
• Bancontact – KOMOJU
• BitPay
• Blik – KOMOJU
• Braintree
• Checkout.com
• Checkout.com – Offsite Payments
• China Payments New

Best Online Payment Service

While people tend to love PayPal for a variety of reasons, technology has opened the door for a number of competitors to challenge PayPal by offering cheaper fees, faster transactions, and enhanced security. Here are 15 of those alternatives.

1. Due

Due made a name for itself through its innovative time-tracking and invoicing tools, which are especially useful for freelancers and small business owners. More recently, Due has allowed users to start accepting secure online payments for just a 2.7 percent transaction rate. Due also accepts global payments, which typically occur within two business days, as well as a digital wallet to send or receive money to anyone in the world instantly with little to no cost. It even has an e-bank where you can store your cash online.

2. Stripe

Stripe has fascinated users for the last couple of years with its powerful and flexible API. This means that you can tailor the platform to meet your specific needs, whether you’re running a subscription-based company or an on-demand marketplace. Stripe integrates with hundreds of other applications, so even if you’re not a professional coder, you can get up and running quickly. The lack of setup, monthly, or hidden fees is an added bonus.

3. Dwolla

Dwolla has similar features to PayPal when it comes to transferring funds, but thanks to its API, it focuses more on bank transfers, or Automated Clearing House (ACH) payments, so users can create a customized payment solution where payments are received within a day. Best of all, transactions are free.

4. Apple Pay

If you’re a merchant, then it’s time to consider accepting Apple Pay. Transactions are faster and more secure, since Apple Pay uses touch ID confirmation. In other words, a customer can use their fingerprint to pay for their takeout pizza. Apple Pay is still relatively young, but don’t be surprised if the service will adapt to support older machines. Also, word on the street is that Apple is working on a P2P payments system within iMessage.

5. Payoneer

Payoneer is one of the oldest global payment processing services. It is available in more than 200 countries and accepts 150 different currencies. Receiving payments is free, and the platform includes a flexible API that grows with your business. Like PayPal, you can receive a plastic MasterCard if you aren’t ready to go 100 percent digital.

6. 2Checkout

2Checkout is another trusted payment platform that allows users to accept credit cards, debit cards, and PayPal globally. It’s available in 87 different languages, offers advanced fraud protection, integrates with hundreds of online shopping carts, and allows you to automatically bill customers with recurring billing.

7. Amazon Payments

If you want to give customers peace of mind, then accept payments through Amazon. Whenever they make a purchase on your site, they automatically go through Amazon’s checkout. This means that they’ll use their Amazon credentials, which makes the checkout process more convenient and trustworthy.

8. Square

Square changed the game when it introduced its magstripe reader, allowing business owners to swipe credit cards anywhere for a 2.75 percent transaction fee per swipe. However, you can also send electronic invoices, and ultimately get paid, through the Square Cash App.

9. Payza

With this popular service, you can send or receive payments from anyone in the world in just a matter of minutes. It also has a cool and easy-to-use interface, offers a robust and unique security system, and provides dedicated support—and it’s free to sign up. What’s most interesting about Payza is that on top of receiving and withdrawing funds from a bank account and credit card, it also accepts bitcoin.

10. Skrill

Skrill has become a popular alternative to PayPal thanks to features like instant withdrawals and deposits, low transaction fees, exclusive offers, the ability to accept from 40 currencies, and being able to send text messages directly from your account. If you refer a friend, the company will put 10 percent of the fees they generate from paying or sending money into your Skrill account for an entire year.

20 Best Payment Gateway Providers

1. ECOMMPAY

ECOMMPAY is an online payment service provider catering to businesses of all sizes globally. It is trusted by companies in online retail, education, hospitality, gaming, and other industries for facilitating reliable and secure transactions.

The scalable and user-friendly platform is equipped with robust transaction management and supports different payment channels plus over a hundred alternative payment methods. What is more, it has a payment routing system that leverages artificial intelligence to ensure the success rate of all transactions.

Aside from the abovementioned functionalities, ECOMMPAY is also built to reduce financial risks through its bespoke risk control management system. By using machine learning, they can detect and block fraud patterns as well as examine suspicious transactions. This module also allows you to control chargeback thresholds to ensure that clients don’t exceed them.

2. Payza

Payza is a very convenient, fast and secure payment gateway solution for businesses and people to accept and send money throughout the world. There are multiple account types for different customers like personal account for personal use and business account for business with bigger and complex requirements.

Payza payment gateway is available in 190 countries and supports 22 different currencies. It is one of the best payment gateway solutions available in many countries and bridging the gap when it comes to sending and receiving payments globally.

3. CardinalCommerce

CardinalCommerce is a consumer authentication, mobile commerce, and payment processing platform that is unique in many ways. To start with, its rules-based payment authentication technology helps prevent chargebacks, reduce fraud, and give customers the possibility to use a variety of leading alternative payment brands.

Cardinal will also be a faithful partner while building a successful selling strategy, as its experts help you choose the best online marketplaces, enable mobile payment technology, and secure setups.

Expert advice and entrepreneurial support are offered in particular to newcomers that have little to no experience in handling startup pitfalls, social marketing, blogging, websites, growth, or shipping. Upon need, Cardinal experts can also help you choose the best banking services for your business.

4. Payoneer

Payoneer is an intuitive international payment gateway that allows small businesses and freelancers to become active participants of the worldwide marketplace. Through its innovative mass payout platform, Payoneer helps businesses pay their contractors or remote workers easily, from any place they operate.

Using this platform, you can be sure of world-class payment services that are inexpensive, secure, client-friendly, and fast. Through this kind of service that Payoneer provides, SMBs and freelancers can easily send and receive payments while at the same time sustain better markup earnings.

Aside from supporting a wide range of currencies, users can avail of free transactions for some selected currencies as well as full support provided in more than 35 languages.

5. BitPay

We may be pro/against bitcoin payments, but we can’t disagree with the fact that they are the future of secure payments and transactions. BitPay owns a unique, leading position among gateways that enable such payments, being the founder and supporter of a whole new payment processing method. If you belong to the ever-growing poll of businesses accepting bitcoin payments, you should definitely give it a look.

In short, BitPay lets you accept and send bitcoins, store and spend your bitcoin funds in a secure manner, or turn them into dollars using your unique BitPay card. To make sure you can do this wherever you’re located in the world, BitPay adopted a mobile-first logic, and will now offer all the retail, e-commerce, billing, and donation tools you need to operate internationally.

You can even resolve bitcoin disputes and receive settlements in your own currency, with the peace of mind that there will be no risk or price volatility while doing so. The BitPay Card even lets you load dollars using any bitcoin wallet and spend them around, without any fees at all.

6. Zoho Checkout

Zoho Checkout is Zoho’s flagship one-time and recurring payment processing system, and one of the world’s leaders when it comes to processing innovations. It won’t only help you streamline the purchasing experience of your customers, but also transform payment pages into personalized terminals customers know and trust. Coding is not necessary to build a checkout page with Zoho.

Hosting is also handled on behalf of the provider, all you have to do is to choose between one-time and recurring payments (or both) and configure the intervals, dates, and duration for each of them. Zoho Checkout will even allow you to choose a collection amount (or let the customer handle that) and offer a variety of professional and ready-to-use templates to save you the trouble of creating a new page.

You can customize almost everything on them, including tailor labels, colors, fonts, and background images, and make sure that your message is clearly conveyed. The payment page can then be shared on your website, social media account, or sent by email, and then be automatically connected to the customer’s preferred gateway for easier money collection.

The platform can process credit card payments from Visa, MasterCard, and Amex, and resolve failed recurring transactions from cards that were declined.

7. PayU

PayU is the product of an Indian payment processing corporation, and one of the simplest payment solutions that were designed to fill in the gaps left by complex service providers. The expert community is also fond of PayU because of its best conversion rates (acclaimed 12%), acceptance for over 45 payment methods (Net-Banking, 8+ bank EMI’s, 6 Wallets, Amex, Rupay, International Cards), and the PayuBiz’ API’s & SDKs which help connect this platform to any website, application, or related third-party system.

Recently, PayU became one of the very few providers of this kind that allow for OneTap payments and made a major technological breakthrough by enabling second-time users to skip entering their CVV again. The platform also reads and submits OTP on behalf of the user, and complies with the highest PCI and DSS standards to protect payment data. It also stores all credit vault data, so that neither you nor your customers would have to enter it repeatedly.

8. Skrill

Skrill is one of the well-known payment gateways around the world. Skrill understands modern payment demands when it comes to payment processing and money transferring. Skrill started in the year 2001. Now, Skrill has many top companies as their customers using their innovative solutions in their businesses.

Skrill is recognized and awarded by many top companies such as Deloitte Technology Fast 50 Award, B2B EGP Award and several others. It is one of the successful UK-based payment gateways that supports over 30 different currencies, that enables customers to purchase products and services worldwide.

9. SecurionPay

SecurionPay is a payment gateway that provides secure online and mobile payment solutions that support multiple operating systems like Windows, Mac, Linux, Android and iOS. It is one of the best platforms that provide a one-stop solution for companies that require online payments and offer paid subscriptions.

It’s a standalone payment gateway solution that provides fast and secure integration to your business ecosystem, like embedded payment forms, an advanced checkout feature that allows immediate payment processing that helps to increase conversion rate. It offers flexible API so that you can integrate your business ecosystem with it and control from your side.

10. WePay

WePay is an integrated payment gateway made especially to support the distinct omnichannel, POS and web-based requirements of software platforms. Designed to allow for quick, seamless, and secure onboarding and processing, this payment solution provides software businesses the needed flexibility to optimize their operations based on their objectives. For instance, it enables businesses to personalize their online platform using your brand and pricing structure to allow for native processing and promote your business model.

WePay’s direct referral functionality offers your clients the capability to get paid without any difficulty through Chase merchant accounts. It likewise provides users complete control over facilitating payment. It has extensive support for multiple payment schemes that include ACH, debit, and credit payments, while letting your clients choose either monthly, weekly, or daily payouts.

11. Authorize.Net

Authorize.Net is a global payment gateway that provides strong infrastructure and security to ensure smooth, fast and secure transfer of transactional data. It handles the routing of transactions, albeit in an online setting without software installation, just like the card swiping machine.

It has a merchant base of over 370,000 around the world. It helps to accept payments securely, providing a streamlined experience, enabling scaling and a number of other value-adding features. It’s a fully integrated electronic check payment system that accepts and processes payments from other bank accounts through the user’s website or the Authorize.Net’s virtual terminal.

12. Braintree

Braintree is a payment gateway that is part of the PayPal network. It is designed to make the payment process easier. It offers commerce tools to build global businesses, accept payments and enable commerce for their users. It has tools and features that help companies to scale their businesses worldwide.

Braintree operates in 40 countries worldwide. It supports 130 currencies and enjoys the benefits of faster and secure transactions. This ready-made sleek UI supports multiple cards or even PayPal transactions.

13. Amazon pay

Amazon Pay is a payment gateway designed for Amazon merchants and shoppers. It is an easy, fast and secure payment solution that helps people in 8 countries as of now. Amazon payments come with two different packages – login and pay for shoppers, and pay with Amazon for merchants.

This payment gateway is designed to provide a smooth shopping experience for both online retailers and sellers. Amazon pay is loaded with great features and tools that attract customers and encourage them to shop more, make their shopping process streamline and improve customer engagement and loyalty via saved payment details for faster checkouts.

14. PayPal Payments Pro

PayPal Payments Pro is the online payment giant’s successful attempt to introduce a payment processing service for e-commerce users without a PayPal account. Backed by today’s undisputed top payment gateway, the platform is designed to streamline business transactions. These features make it a reasonable choice when deciding whom to entrust your money transfers.

Its end-to-end platform supports credit cards as well as PayPal and PayPal Credit payments. It relies on an open API infrastructure to relate easily to any shopping cart/marketplace solution. Moreover, it allows phone-based credit card payments and gives users a handy invoicing kit to charge consumers right away.

What’s more, PayPal Payments Pro adheres to all leading encryption standards to keep payment credentials guarded. And currently, it is the most extensive international payment gateway as it accepts 26 leading currencies and can be used in over 200 markets.

15. Stripe

Stripe is a cloud payment gateway platform that helps to accept and manage online transactions anywhere in the world. It provides complete solutions to process online payments and also offers great features like custom UI toolkit, embeddable checkout, consolidated reports and much more.

Stripe is a robust payment gateway that ensures a smooth moment of funds in your business while connecting with the application interface that enables you to prevent frauds with great security, manage revenue and drive sales globally. It also provides an open API that helps in integrating with your business ecosystem.

16. Vapulus

Vapulus is a reliable payment gateway software that’s primarily built to simplify mobile payments. The platform enables e-commerce businesses and local store owners to accept payments without a struggle. It brings all sales from your website, mobile app, and POS system in a single, easy-to-analyze interface. This way, the solution allows users to sell goods and services anywhere in the world and receive payment in one place. 

Additionally, Vapulus supports more than 135 currencies worldwide. In doing so, the platform enables you to establish footprints across the globe and charge clients in their local currency and receive payments in your currency. Should you want to learn more about the product capabilities, you can do so at no cost thanks to the Vapulus free trial. 

Small business owners that are getting started with e-commerce trading will marvel at Vapulus absolute zero-fee mantra. What this means is that Vapulus allows you to sell service globally and process all payments without incurring any charge. In other words, the vendor charges a 0% payment processing fee.  

Read Also: Benefits Of Credit Card Payment Online

Even better, Vapulus allows you to build long-standing customer relationships and cultivate loyalty. It enables you to offer multiple perks to your customers, send gifts and discounts, and leverage the cashback option. What’s intriguing is that with Vapulus you’ll no longer send offers to customers blindly. It provides analytics that empowers you to send personalized offers at the right time. 

17. 2Checkout

2Checkout is a popular global payment gateway that allows businesses to accept online payments from buyers around the globe. It has many features and localized payment options that help both merchants and customers to make the payment process streamlined.

It is the US-based payment gateway that supports multiple payment methods and transactions worldwide. It is secure and reliable, More Than 50,000 merchants using 2Checkout payment gateway worldwide. It supports 8 different payment methods, 15 languages, and 87 different currencies in global markets.

18. BlueSnap

BlueSnap is a global payment gateway designed to help businesses to accept payments easily. This gateway enables businesses to scale globally and accept payments from local to international customers. This platform is highly secure and builds with a fraud prevention system to minimize risks.

Bluesnap has a network of over 30+ acquiring banks, this ensures customer trust, increases conversion rate and improves revenues. It operates in 180 countries and connects automatically with acquiring banks globally. It supports 110 different payment types, 100 currencies, and 29 different languages.

19. Fondy

Fondy is an intuitive payment gateway system created for entrepreneurs to perform online business transactions in Europe. From credit cards and e-wallets to direct payouts, this platform can simplify payment processing without compromising security. It supports an extensive selection of currencies including USD, EUR, and GBP, and can handle both one-time and recurring payments. It also allows you to automate refunds and perform online invoicing to further streamline transactions.

In addition to the abovementioned functionalities, this platform can support email and SMS payments. With this, all you’ll have to do is create customizable payment buttons and embed them in your message. This not only simplifies payments for clients but also allows you to collect payments faster.

Last but not least, Fondy is also built to integrate across various devices, making cross-platform transactions easy. All you’ll have to do is choose from their templates or create one through their API so you can easily collect payments from your online store, mobile application, Unity 3D, or subscription platform.

20. Melio

Melio is an easy account payable and receivable software for small businesses in the US. This is a reliable digital bill payment solution that lets you pay all your suppliers, distributors, vendors, and any other businesses requesting payments for products or services. Moreover, when you have bills to pay including utilities, rent, insurance, and advertising Melio lets you do it with simplicity and convenience. It also enables you to set recurring payments for bills like the internet and phone

Besides, with Melio it’s free to accept digital payments online if customers pay via bank transfer. With just a few clicks, you can quickly create a pay-link, send it to your clients, and they’ll pay without signing up or needing your bank details.

In doing so, it helps ease out payment hiccups and delays that epitomize the check payment process. Most importantly, Melio allows you to track each payment so you can know when the money is credited to your bank account.