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What is Payment Gateway?

A payment gateway is a software application that functions as a channel between an e-commerce vendor’s website and the bank that processes a buyer’s credit card payment. A payment gateway can also process payments using methods such as debit cards and eCheck (ACH) payments. Show more The main work of the payment gateway is to securely transmit the buyer’s sensitive credit/debit card and bank account data to the issuing bank and other entities involved in the transaction. Start by checking our leader Stripe, and other recommended solutions in this category. Payment gateways send transaction data to acquiring banks and get replies from issuing banks about whether a transaction is accepted or declined. In short, payment gateways assist in effective communication between banks. Show less

How was this ranking made?

To develop this ranking of best Payment Gateway we have checked 271 trending apps currently present on the market, comparing their features, ease of implementation, customer service, possible integrations with other systems as well as mobile support with our unique SmartScoreTM rating system. This ranking has been prepared by Nestor Gilbert, our B2B expert responsible for the Payment Gateway category.

List of Top 12 Payment Gateway

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1. Stripe

Our score: 9.6 User satisfaction: 97%

Stripe is a cloud payment platform designed to accept payments online and on mobile apps. It's an end-to-end solution featuring a robust payments engine that streamlines the movement of money. In addition, Stripe has numerous applications that help prevent fraud, manage revenue, and drive global business growth.

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2. PayPal Payments Pro

Our score: 9.5 User satisfaction: 99%

PayPal Payments Pro integrates merchant accounts and payment gateways into a unified solution, enabling users to process payments easily. It's built on PayPal’s technology that can handle credit card, mobile, and retail card payments. What’s more, it doesn’t require buyers to have a PayPal account.

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3. 2Checkout

Our score: 9.3 User satisfaction: N/A

2Checkout is a leading global payment platform that processes global, local, and custom online and mobile payments. It supports multiple payment methods and provides secure processing services worldwide. It also maximizes your conversions by adapting to local aspects of your industry, including languages, currencies and payment options.

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4. Amazon Payments

Our score: 9.2 User satisfaction: 98%

Amazon Payments is a payment gateway specific for Amazon shoppers and merchants. It comes in two packages – Pay With Amazon and Log In And Pay. The former is for online retailers who want to provide a smooth shopping experience while the latter allows buyers fast and speedy checkout on different sites.

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5. BlueSnap

Our score: 9.0 User satisfaction: 94%

A global payment processing service designed to help companies process payments from local and international clients. It features a system that reduces fraudulent payments by up to 80%.

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6. Braintree

Our score: 9.0 User satisfaction: N/A

Braintree is an online payment gateway platform designed to make payments easier, providing tools to accept payments, enable commerce, and build businesses. Companies in over 40 countries can build payment experiences and scale them across the world. It also supports 130 currencies and is part of the PayPal network.

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7. Authorize.Net

Our score: 9.0 User satisfaction: N/A

Authorize.Net is a payment gateway platform that ensures fast, reliable payment anywhere via any platform. Used by over 370,000 merchants worldwide, it provides the security and the infrastructure to ensure secure transactions. Authorize.Net also manages the transaction routing online without the need for software installation.

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8. WePay

Our score: 9.0 User satisfaction: 100%

WePay is an online payment service that facilitates fully integrated payments with risk services to deliver desirable user experiences. Designed to provide optimal payment experiences and trusted by thousands of top platforms, it offers seamless and secure payment processing that’s compliant with government, bank, and card network requirements.

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9. SecurionPay

Our score: 9.0 User satisfaction: 99%

SecurionPay is an award-winning, cross-platform, online and mobile-based payment gateway that supports Windows, Mac, Linux, Android, and iOS. Its secure online and mobile payment system provides fast and limitless integration possibilities and features leading anti-fraud protocols to ensure every payment is screened for fraud.

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10. Vapulus

Our score: 8.9 User satisfaction: 97%

Vapulus is a mobile-ready electronic payment solution that helps ecommerce businesses and online consumers process transactions worldwide. As it does not charge transaction fees, monthly fees, subscription fees, or cross-border fees, businesses receive 100% of their product sales. This makes it ideal for growing businesses.

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11. Adyen

Our score: 8.7 User satisfaction: N/A

An all-in-one payments platform that provides flexible features to help businesses deliver seamless payment experiences. It helps unify commerce customer journeys and accept payments on mobile and at the point of sale. It also supports global payments, which is an excellent feature for businesses that want to expand globally.

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12. EPX

Our score: 8.0 User satisfaction: N/A

EPX (Electronic Payment Exchange) is an international payments platform that functions as a backend service partner, acquirer, and processor.

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Payment Gateway Guide

Table of contents

Payment gateway platforms make it easy to make payments for online transactions. As there are a number of good gateway programs on the internet, you may be confused about which one to choose. This buyer’s guide helps you out by providing a list of features and factors you should consider while doing educated comparisons to select a suitable payment gateway for your needs. 

Targeted Businesses

  • E-commerce stores use a payment gateway to receive payments from customers who buy their goods online.
  • Small and large businesses that have an online presence and perform sales on the internet use a gateway for secure payment services.
  • Individuals use payment gateway tools for online purchases and transactions.

What are Examples of Payment Gateway Software?

  • PayPal Payments: PayPal is a quick and secure way to send and receive money, make an online payment, and set up a merchant account. It also offers business solutions for users to get paid securely on their website, mobile apps, or directly through their email address.
  • Amazon Payments: A fast, easy, and safe way to accept payments online. Companies can enable Amazon customers to simply log in and pay using their Amazon credentials.
  • Stripe Subscriptions: Stripe powers any subscription model with robust features to reduce churn. You can build and manage all aspects of your recurring billing with Stripe’s APIs.
  • Braintree: A simple, robust way to accept payments and enable commerce from anywhere — in your mobile app or online. Braintree offers a security-driven, full-stack payments platform for small business and large companies that enables processing and gateway in one system, plus loads of other features.
  • Authorize.Net: Enables e-commerce merchants to accept online payments via credit card and e-check. Its additional services do the job of a full-time employee and help you store data securely, avoid fraud and more.

Types of Payment Gateway Software

Hosted payment gateways

These take a customer off from your website’s checkout page. After a user clicks on the ‘pay now’ button on your website, they will be sent to the payment service provider page. Here the user needs to fill their payment details. After the payment, they will be redirected back to your website to complete the checkout process.

Pro/self-hosted payment gateways

For this gateway, you need to ask the payment details from users on your own website. After getting the details, you need to send the gathered data to the payment gateway’s URL. Some gateways need the info in a specific format, while others need a hash key or a specific security key.

API / non-hosted payment gateways

This gateway allows customers to enter their information directly on the merchant’s checkout page and processes payments using their APIs or HTTPS queries.

Local bank integration

These are similar to hosted payment gateways. The user is redirected to the payment gateway’s website, where they need to fill the payment and contact details. After making the payment, they are redirected back to the ecommerce website, and notification data is also sent with redirection.

Platform-based payment gateway solutions

This type offers a platform to e-commerce merchants to sell goods directly from their servers. Merchants need to create subscriptions or products in the provided platform, and users are redirected via the checkout button to this platform.

Key Features of Payment Gateway Software

International payments

Some payment gateway tools offer multi-currency and international payments, as well as an interface supporting multiple languages. You need to check where there are added fees for international and multi-currency payments and whether you need to set up a merchant account in a particular country.


Data security is essential for safe online payments. Make sure the gateway is level 1 compliant with PCI DSS and offers security features such as tokenization. Most gateways also offer fraud protection tools to ensure safe transactions with new parties.

Customer support

Good quality payment gateways offer reliable support through multiple channels. Do some research and ensure you can easily access the support agents anytime. Find out if you need to pay extra for support. Read online reviews about the quality of support offered by various gateways.

Payment methods

Payment gateways usually accept MasterCard, Visa, American Express, and PayPal for online payments. For international payments, check whether the gateway accepts local credit cards beyond MasterCard, Visa, and Amex. Always make sure you check what the exact fees are. For example, you can examine our comparison of Stripe fees vs Paypal fees vs Adyen fees to get a better understanding of what’s the standard in the industry.


While your gateway solution guarantees the transaction, it’s also important to ensure that payment information is updated in your finance database. Having payment gateway software that seamlessly integrates with your existing accounting setup will definitely save a lot of time, money, and effort.


On the flip side, having a payment gateway system that generates an invoice would be very convenient to customers and vendors and help complete the transaction faster. As a result, the need for integration will be reduced.

Benefits of Payment Gateway Software

Our payment gateway reviews show that you can use one to do the following:

  • Accept online payments for your ecommerce business.
  • Accept multiple payment methods and currencies.
  • Process payments safely by ensuring the security of payment details.
  • Avoid unauthorized payments with fraud protection safeguards.
  • Quickly handle customer refunds and returns.

Mobile apps are replacing countertop checkout

Consumers are using their mobile phones to access cloud apps to checkout inside the shop and to pay for things before they step inside the store. Savvy brands like Starbucks, Taco Bell, Domino’s Pizza, Target, and Kohl are utilizing this trend to offer mobile payment apps and have seen a boom in their sales.

Faster and safer payments  

Many countries have implemented systems to facilitate faster payments. Beyond speed, payment gateways and apps are becoming more efficient and flexible. They are ensuring their systems meet security, compliance, and risk management regulations for safe online transactions.

Contextualized commerce is driving payments innovation

Payments are enabling the different digital experiences consumers engage in every day. Consumers spend many hours on the internet every day on different tasks. Companies are tracking their online behavior and habits to influence and trigger purchases. They are payment-enabling impulse purchases in innovative ways.

Invisible payments

As more and more customers are preferring online payment for everyday expenses, customer experience is slowly shifting towards making the processing invisible. This means that transactions are blended with the checkout, and users don’t have to repeatedly enter their payment information. Examples of seamless, invisible payments include e-wallets, in-app credits/rewards, or device authorizations.

Potential Issues

Chargebacks and fraud

Payment gateways need protection against data theft and fraudulent misuse to ensure secure transactions. They need to use fraud-monitoring tools like purchase tracking, validation services, and risk management to detect fraud before it happens. Chargebacks are expensive and can damage the reputation of a gateway. Therefore, they need to use effective customer service practices to reduce or eliminate chargebacks.

Technical integration

It can be difficult for some gateways to integrate with other platforms, which can result in processing delays, expensive fees, and lost transactions. Payment gateways need to ensure smooth technical integration with other systems to offer easy and secure transactions.

International transactions

International payments can be slow, expensive, and inefficient. Payment systems need to tackle this challenge and ensure fast and secure cross-border transactions and payments by managing the costs and risks more effectively.

There are a number of payment gateway providers on the internet. Luckily, there are many reputable sites that can provide you with reliable rankings for these gateways that enable you to do a comparison. In addition, be sure to try demos of your shortlisted gateways to select a suitable one for your needs.

Useful Resources

Considerations when Choosing Payment Gateways

Base of operations

While the physical distance of your company and your gateway provider may not be a big of a deal, the rules governing the business plays an important part. Before even starting accepting payments, ensure that you have adequate knowledge of incorporation rules  (and how they affect payment processing) of your provider and check if they are in sync.

Nature of business

You may also want to disclose your business to your gateway provider prior to closing a deal. There are some providers who, for some reason,  can get picky with the business of their clients. There are industries that are termed “high-risk” such as gambling, gaming, and adult entertainment, that providers may be averse to and refuse to serve.

Payment terms

How soon can you receive your payments, and how much does you gateway charge? These are some of the questions you might need to finalize with your provider before signing the dotted line. Most vendors will be more than happy to provide you with information upfront, but you may need to do some comparison shopping.

Difference Between Merchant Account and Payment Gateway

While there may be some who think that a payment gateway solution is all that’s needed to start accepting online payments, there is also a thing called a merchant account that is needed as well. A payment gateway solution is distinct from, and works hand-in-hand from a merchant account.

The merchant account is the vendor’s account that collects all transaction data and payments. When a customer pays online, the funds typically land into the merchant account until the transaction is cleared. Once finished, the funds are then sent to the vendor’s actual bank account.

The payment gateway is the link between a customer’s account to your merchant account. Some payment gateway systems only deal with certain merchant account types, so make sure you know this information prior to deciding which merchant account to adopt.

List of Payment Gateway Companies

Order by:

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User Satisf.
User reviews:
Cardknox reviews


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PayOp reviews


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TillyPay reviews


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Novopay reviews


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Vapulus reviews


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PayRequest reviews


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Felix reviews


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TBF Finance reviews

TBF Finance

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Z3N Gateway reviews

Z3N Gateway

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AAZZUR reviews


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RPay reviews


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SwipeSum reviews


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Maxpay reviews


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Ikajo reviews


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PayRetailers reviews


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Things to consider when you invest in a SaaS

To select an apt SaaS provider you need to consider important criteria such as privacy and security, support and service, and transparency.

Find out if the provider can be trusted with data security and privacy. Do they have systems in place to protect your private information and data? Find about the security measures they use. This is an important aspect of a SaaS application that cannot be over-emphasized.

It is crucial that the provider offers reliable support to resolve any problems quickly. Ask your potential vendors the following questions: Do they provide consulting and training services to assist your employees to use the software competently? Do they have an online support center that has useful articles and training materials? What channels of support do they provide? Do they monitor issues till they are resolved? Is customer satisfaction measured?

Does the SaaS vendor conduct their business in a transparent and open manner? You can find out by requesting them for references you can contact. Talk to existing users of the software to learn about the quality of service provided. Does the provider make public the algorithms they use in the program? Ask these queries to find a SaaS vendor whom you can trust with your confidential customer and business data.

Frequently asked questions about Payment Gateway

What is the best payment gateway software?

Stripe is our recommendation as to the best payment getaway software, which earned high marks overall in the category. It is an end-to-end solution that makes for hassle-free online transactions all over the world.

Stripe accepts not just major credit cards worldwide but also digital wallets such as Alipay, Amex Express Checkout, and Apple Pay. In addition, local payment methods, preferred currencies, and local Stripe accounts are also accepted.

What are the benefits of payment gateway software?

Typical payment gateway solutions offer the following benefits:

  • Accept online payments.
  • Accept multiple payment systems and currencies.
  • Offer a secure and worry-free payment process
  • Deploy fraud protection safeguards to prevent unauthorized payments.
  • Address customer requests for refunds and returns.
What are the features of payment gateway software?

Standard features of payment gateway software include the following:

  • Accepts international payments – If you want your business to serve customers worldwide, you will need payment gateway tools that offer multi-currency and international payments.
  • Security – At the minimum, data security must be level 1 compliant with PCI DSS and offer tokenization. Fraud protection tools are also standard to ensure safe transactions with new parties.
  • Customer support – With transactions, it always pays to have reliable and responsive multi-channel support available.
  • Payment methods – Payment gateways should accept standard payment systems as well as reputable local credit cards. In addition, you must be knowledgable of how much fees are charged per transaction.
  • Integration – Your payment gateway software ideally should integrate with your accounting software to provide a seamless customer experience.
  • Invoicing – Having a payment gateway system with invoicing features help complete online transactions faster.
What is the easiest payment gateway software to use?

There are plenty of easy-to-use payment gateway software. Among them are:
PayPal Payments Pro provides a complete array of features to make online payment processing easier, more reliable, and secure. It also features flat rate and transaction fees, removing all the guesswork from charges.

PayU offers more than 250+ payment methods for fast, simple, and secure payments on any device. It features a single integration solution where local payments are accepted throughout all services areas.

SecurionPay is a one-stop solution for businesses that require online payments and paid subscriptions. It offers smooth, reliable, and fast transactions and can be easily integrated with popular accounting systems.

What is a good free payment gateway software?

Due to the nature of its function, there are no free payment gateway software solutions, as they usually charge a small amount for their services on top of other processing fees. Stripe and PayPal Payments Pro both offer a monthly subscription plan, while the rest offer a quote-based solution upon request.

Nestor Gilbert

By Nestor Gilbert

Senior writer for FinancesOnline. If he is not writing about the booming SaaS and B2B industry, with special focus on developments in CRM and business intelligence software spaces, he is editing manuscripts for aspiring and veteran authors. He has compiled years of experience editing book titles and writing for popular marketing and technical publications.


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FinancesOnline is available for free for all business professionals interested in an efficient way to find top-notch SaaS solutions. We are able to keep our service free of charge thanks to cooperation with some of the vendors, who are willing to pay us for traffic and sales opportunities provided by our website. Please note, that FinancesOnline lists all vendors, we’re not limited only to the ones that pay us, and all software providers have an equal opportunity to get featured in our rankings and comparisons, win awards, gather user reviews, all in our effort to give you reliable advice that will enable you to make well-informed purchase decisions.