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Payment Gateways reviews by real, verified users. Find unbiased ratings on user satisfaction, features, and price based on the most reviews available anywhere.

Best Payment Gateways

Payment gateways automates the payment transaction between shopper and merchant, securely transmitting transaction information to banks. E-commerce businesses depend on payment gateways to protect customer information via encryption and ensure their information is passed securely, from customer to merchant to the payment processor. Payment gateways integrate with other e-commerce tools, including subscription management softwareand payment processing software in the case of recurring payments, and allow merchants to accept credit card or other forms of electronic payments for transactions.

To qualify for inclusion in the Payment Gateways category, a product must:

Accept payment from credit cards, checks, or other forms of online payment
Connect the e-commerce website to a payment processor that processes online transactions
Encrypt sensitive information via a virtual terminal
Securely transmit payment information to payment processors

Top 10 Payment Gateways

  • PayPal
  • Apple Pay
  • Stripe Connect
  • Thryv
  • Payoneer
  • GoCardless
  • Bolt
  • EBizCharge
  • VirtualMerchant
  • Authorize.Net

Compare Payment Gateways

G2 takes pride in showing unbiased reviews on user satisfaction in our ratings and reports. We do not allow paid placements in any of our ratings, rankings, or reports. Learn about our scoring methodologies.
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(1,584)4.4 out of 5
Entry Level Price:$30 per month

With PayPal credit card processing (Payments Standard, Payments Pro, or PayFlow) you can accept all major payment types from your customers right on your site. Simple checkout buttons or fully customized online checkouts enable scalable solutions for businesses of any size.

(122)4.6 out of 5

Apple Pay is an apple application that make financial transitions.

(175)4.4 out of 5

Stripe offers solutions for web and mobile payments that are built for developers. Stripe provides a set of unified APIs and tools that instantly enable businesses to accept and manage online payments.

(112)4.6 out of 5
Optimized for quick response

Thryv is an end-to-end client experience platform built for small businesses. Software that helps you get the job, manage the job and get credit, all from a single screen. Helping small business owners meet today’s expectations, from one simple platform. Include best in class support, available anytime – unlimited 24/7, with business specialists who understand the goals and unique needs of small business owners. Thryv automates tasks and puts customers at the center of your business, with one e

(156)4.1 out of 5

Payoneer empowers global commerce by connecting businesses, professionals, countries and currencies with its innovative cross-border payments platform.

(114)4.8 out of 5
Optimized for quick response

GoCardless is Made for Recurring Payments. We’re the global leader in recurring payments and the world's largest bank to bank direct debit platform helping businesses accept payments in over 30 of the world’s largest economies. GoCardless takes the pain out of getting paid for more than 55K businesses worldwide, from enterprise to small businesses. Our clients range from small businesses to household names such as DocuSign, TripAdvisor and The Guardian. Our focus is on collecting payments for

(39)4.7 out of 5

Bolt is on a mission to perfect the checkout experience for online retailers and make sure nothing gets in the way when shoppers decide to buy. Bolt’s mobile-optimized checkout is coupled with a unique approach to fraud detection that approves more good orders. By converting more shoppers into customers Bolt has become the proven choice of customer-obsessed retailers.

(52)4.8 out of 5

The leader in integrated B2B Payments. Payment gateway capable of processing payments inside your CRM/ERP, accounting system or online shopping carts such as QuickBooks, Microsoft Dynamics, SAP, Acumatica, Oracle, Netsuite, Epicor, Sage, Magento, WooCommerce and more. EBizCharge also offers fully PCI compliant mobile and tablet solutions. EBizCharge is developed and supported by Century Business Solutions

(12)4.4 out of 5

(105)4.0 out of 5
Entry Level Price:$25 Monthly Gateway

Authorize.Net enables merchants to accept and manage credit card and electronic check transactions via websites, retail stores, mail order/telephone order (MOTO) call centers and mobile devices.

(26)4.6 out of 5
Entry Level Price:$99 1

Squareup Payment Method by CedCommerce allows the admin to accept payments in his Magento 2 store using the Square payment method, one of the leading payment processors. The details of the customer are accepted via a secure form provided by Squareup. These details are sent to the Squareup server in return to which a response is received.

(77)4.0 out of 5
Optimized for quick response

Digital River's MyCommerce offering is a cloud SaaS ecommerce solution that provides complete payments, subscriptions and recurring billing, with full-feature merchandising and a great checkout experience for your shoppers. Built for global, but designed for self-service and simplicity, MyCommerce empowers clients to grow their digital business with enterprise capabilities and developer agility. Digital River has a full suite of ecommerce solutions to meet your business needs and take the comp

(14)4.4 out of 5

We offer a range of comprehensive payment solutions to help you grow your business faster in all confidence.

(76)4.0 out of 5
Optimized for quick response

BlueSnap provides an All-in-One Payment Platform designed to accelerate commerce for B2B and B2C businesses. Our Platform supports online and mobile sales, marketplaces, subscriptions, invoice payments and manual orders through a virtual terminal. With a single-integration to our Platform you can accept any payment with ease. The Platform includes access to 100 payment types, including popular e-wallets, built-in world class fraud prevention to protect your sales and detailed analytics to help y

(16)4.6 out of 5

Paytm Business offers payment solutions for online businesses.

(11)4.9 out of 5

APS Payments, a REPAY company, offers omni-channel B2C and B2B integrated payment solutions for every business. APS Payments is a gateway and processor that is trusted by thousands of merchants daily to process payments and works diligently to offer the lowest credit card processing rates, reduce risk, and provide the best payment solutions for customers. With payment integrations to many leading ERP and eCommerce platforms like Acumatica, AccountMate, Adagio, Sage, SAP Business One, Magento,

(22)4.3 out of 5

Payworks provides payment providers with Pulse - a next generation payment gateway technology that makes card acceptance at the modern-day Point of Sale quick, easy and cost-efficient.

(15)4.9 out of 5
Optimized for quick response

PayMotion® is a World Leading Subscription-Management Software, White-labeled Payments, for your SaaS, Subscription Box, IoT, Digital Goods, Gaming, or eCommerce business: • Subscription Mgmt; Semi-Automation Chargeback Mgmt; Your Branding; Real-time Reports; • Ready-to-Run; Secure Payments, Flexible & Supported (Fully-Hosted, & Dev-API available); • Get our Team! +End-to-End Services, to Easily Accept Payments; Anytime, Any-device! PayMotion® is a comprehensive, fully-optimized payme

(54)4.0 out of 5
Optimized for quick response

WePay helps online platforms increase revenue through integrated payments processing. The company has uniquely enabled more than 1,000 platforms including Constant Contact, GoFundMe, and Meetup to incorporate payments so their users can start getting paid in minutes, all without compromising on their user experience or taking on risk and regulatory exposure. In a mobile world, WePay’s integrations with Apple Pay and Android Pay for the Web help ensure high transaction conversions, while the comp

(15)3.8 out of 5

Adyen is the payments platform of choice for many of the world’s leading companies, providing a modern end-to-end infrastructure connecting directly to Visa, Mastercard, and consumers' globally preferred payment methods. Adyen delivers frictionless payments across online, mobile, and in-store channels. With offices across the world, Adyen serves customers including Facebook, Uber, Spotify and Brompton. Here's how we help medium and big brands: ✅Online, in-app and in-person payments ✅Preferred

(22)4.5 out of 5

Credit card processing company.

(10)4.3 out of 5

Zoho Checkout is designed with you in mind. Build a custom, branded payment page in a matter of minutes and start accepting payments right away.

(71)4.3 out of 5

Businesses come to PaySimple with a simple, but important need – a better way to accept payments. Developed for the unique needs of service-based businesses, PaySimple delivers flexible payment and billing solutions that are preferred by over 20,000 businesses each day. Unlike our competitors, PaySimple is committed to personalized service. Our customers receive unmatched, personal support with our dedicated customer success and care teams. With a robust API, PaySimple is a trusted technology

(14)3.8 out of 5

Shop securely, transfer money anywhere in the United States of America, access your funds instantly

(42)3.8 out of 5

Pay online safely, securely and easily with Skrill.

(12)4.7 out of 5

allpago has deeply internalized that merchants seeking for a payment solution for Latin America want to focus on leveraging sales and reaching the digital buyers, while their single partner for the region takes care of processing payments. allpago provides merchants with the most relevant payment methods, legal and taxes know-how, local advice and an operation with the highest security standard in the industry, the Level One PCI DSS.

(19)4.1 out of 5

Dwolla, Inc. is a FinTech company that is changing the way innovative businesses move money. Since 2008, Dwolla’s infrastructure has powered billions in payments for millions of end users. Today’s most innovative companies are programming their payments with Dwolla—or they should be.

(28)3.8 out of 5

Worldpay is a leading global payments technology and services company that seamlessly integrates payments processing and inventory management, backed by detailed business analytics that help businesses make informed decisions to grow. The company offers services across the entire payments value chain in any environment: in-store, online and via mobile devices.

(14)4.0 out of 5

Our flagship offering gives you the best of both worlds: full payment processing with merchant services AND our secure payment gateway. Merchants and ISVs can save time and money by getting all their payment processing services directly from Shift4.

(8)4.8 out of 5
Entry Level Price:$200 per month

Spreedly is the last payments API you'll ever need. Connect once to our complete payments infrastructure via a single API. Use vaulted, tokenized card data to transact with multiple payment APIs and payment gateways worldwide. With Spreedly, you complete more transactions, in more markets, with more partners. All while keeping your business flexible -- and card data secure and PCI compliant. See the complete list of hundreds of payment end-points and payment gateways that we connect with.

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Check out the G2 Grid® for the top Payment Gateways products. G2 scores products and sellers based on reviews gathered from our user community, as well as data aggregated from online sources and social networks. Together, these scores are mapped on our proprietary G2 Grid®, which you can use to compare products, streamline the buying process, and quickly identify the best products based on the experiences of your peers.
High Performers
Digital River MyCommerce
Zoho Checkout
Stripe Connect
Paytm Business
Apple Pay
APS Payments
Shift4 Payments
Market Presence

Learn More About Payment Gateways

What is Payment Gateway Software?

Most major e-commerce platforms and payment gateways have plug-ins and extensions to make integrations easier. Conversely, less popular solutions in this space will require more work to integrate with one another. Fortunately, almost every major e-commerce platform makes it clear which payment gateways can be integrated with their software. Businesses using open source e-commerce platforms can leverage the developer community for specialized extensions and plug-ins for payment gateway integrations.

Often, payment gateways come in two flavors: hosted and integrated. Hosted payment gateways are easy to set up and require little maintenance on the part of the e-commerce store owner. Additionally, PCI compliance and data security become the responsibility of the payment gateway with hosted products, saving e-commerce businesses time and money. However, hosted options redirect customers away from the business’ website and to a payment processing page. This can be confusing for customers and as well as negatively affect conversion rates.

Integrated payment gateways require more time to implement but lead to higher conversion rates, as customers never leave the e-commerce site to complete a purchase. Integrated payment gateways can be limited by which e-commerce tools their API integrates with. Furthermore, integrated payment gateways will often require the e-commerce store to have a merchant account to accept credit card payments.

One major business problem solved is payment collection, a necessary element of an e-commerce website. In addition, payment gateways provide deep insights into granular transaction management, another common business problem.

Key Benefits of Payment Gateway Software

  • Accept online payments through your e-commerce business
  • Accept multiple currencies and payment methods
  • Process payments securely without risking the security of payment information
  • Prevent unauthorized payments with fraud protection mechanisms
  • Quickly handle customer returns and refunds

Why Use Payment Gateway Software?

“How can I easily and securely collect payments from customers on my e-commerce website?" This is the primary problem that payment gateway software resolves. Many businesses are familiar with the difficulties and cost of setting up custom payment solutions to collect and process credit card information. Payment gateway software resolves those frustrations with easy setup at a relatively low cost. Additionally, some payment gateway products allow users to upload their own branding onto the gateway. This ensures visitors aren’t redirected to a third-party website.

Additionally, an important feature of payment gateway software is its ability to detect, identify, and react to fraudulent activity. Payment gateways help ensure the safety and encryption of their customers’ sensitive information and the compliance of their e-commerce business to payment card industry (PCI) regulations.

Payment gateway software also allows users to rectify any outstanding errors and complete refunds based on the product’s database of transaction information. The database of customer transactions is crucial for users to keep track of invoices, reports, and cash flow, helping e-commerce businesses with forecasting. In addition to the database, some payment gateways also provide analytics and insights about transactions, enhancing business forecasting and improving things like customer profiles and the ability for the e-commerce company to accurately upsell or cross-sell.

Minimizing fraud — Payment gateways allow payments to be encrypted to ensure the security of the payer’s information as well as verifying payments to avoid fraud. Unauthorized payments will result in a notification, allowing the user to reject the payment before it goes through. Fraud protection filters may include high-risk countries, email service provider risk, high risk BIN, account number velocity, high item number, shipping/billing mismatch, AVS failure, CSC failure, and others.

Receiving payments in multiple ways — Users can set up recurring payments, subscriptions, split payments, and one-time payments as necessary. Users can also create peer-to-peer payments as needed. This flexibility allows users to fit their payment structure to their business model or customer needs.

Scalability — As a business grows, so do its payment needs. Payment gateway software makes it easy to scale by adding features as needed and integration with multiple e-commerce stores.

Who Uses Payment Gateway Software?

E-commerce businesses of all sizes depend on easy-to-use payment gateways to seamlessly guide a website visitor from browsing to buying. Businesses turn to payment gateway software to automate payment transactions and ensure the security and encryption of those transactions. In turn, payment gateways integrate with e-commerce platforms and tools like subscription management software.

E-commerce businesses — E-commerce businesses are both the most common and most obvious use for payment gateways. These businesses need a way to collect payments online in a way that is convenient for themselves and their customers. With payment gateways, payments are instantaneous and protected for both parties.

Charities and nonprofits — The ability to instantaneously make donations online is hugely important for charities and other nonprofits who are held to strict reporting and taxation standards. From a nonregulatory standpoint, donors are also more likely to donate to a charity or nonprofit if it is fast and convenient to do so.

Individual consumers — Peer-to-peer features of payment gateways make it easy for individual users to make fast, easy payments to their friends, family, and individual contractors. Using a smartphone, anyone can make a payment to another user of the same software quickly and securely. No need to hound your friends for pizza money, you can simply send a request or single-time invoice with the exact amount they owe you.

Payment Gateway Software Features

Payment gateways primarily provide payment processing tools that allow users to send and receive credit card payments as well as online payments directly from a bank account. Given the variety of payment options available, as well as the myriad ways that payments can be structured, there can be a lot of variety among online payment systems. Some may even integrate with a physical credit card terminal, providing businesses that operate both in-person and online with a means to accept payments using one tool. However, payment gateways include a variety of features to help businesses run smoothly both on- and offline.

Reporting — Data should be every business’ best friend, and payment gateways provide crucial data on each transaction made through the platform. This can make it easy to track how and where money is entering and leaving the business, helping better predict future performance. This also provides an added security measure of visibility into where money is going and whether it was an authorized transaction.

This data can also provide crucial demographic information so businesses can be more aware of who and where their customer base is.

Manual payment entry — Manual payment entry allows a business the option to take down payment information provided over the phone or in person and put it into the payment gateway, creating a larger amount of flexibility. This can also help businesses facilitate returns or refunds requested over the phone.

PCI compliance — Payment card industry (PCI) regulations ensure the security of credit card users online by enforcing strict security requirements. These include protecting cardholder data, maintaining a vulnerability management program, implementing strong access control measures, regularly monitoring and testing networks, and maintaining an information security policy. Luckily, most payment gateways have this already baked in, making it easy for users.

Fraud protection — Fraud can be a huge concern when buying and selling online, and most payment gateways already have safeguards in place to protect their users. Many payment gateways use a variety of fraud prevention tools, ensuring 360-degree protection for all users.

Two-factor authentication — Two-factor authentication is a method that enables users to keep their account extra secure. After signing into the platform using a browser, the second form of authentication will either email or text the user a code that they can then input to ensure that they are the owner of the account. This way, users can prevent unauthorized access to their account.

Internationalization — International support can come in the form of both language and foreign currency support. By supporting multiple languages and currencies, businesses can receive payments from around the world and make their business truly global. By having this built into the payment gateway, businesses can avoid dealing with foreign banks and other entities that they may not be equipped to do business with.

Additional Payment Gateway Features

E-commerce software integration — Integration with your business’ e-commerce solution can make it much easier for both you and your customers. Customers can easily make a purchase without leaving your store, making it less likely that you will lose customers due to inconvenience. But the main advantage is data integration, which makes it easy to process payments and track each transaction. This can help with inventory management, accounting, and more in the long run.

Accounting software integration — Integration with your accounting software makes it easy to track incoming and outgoing finances, as well as track invoices and other financial data.

Recurring billing — Many payment gateways allow users to set up recurring payments of invoices for ongoing services. By having this information within the payment gateway itself, it gives customers the option to set up automatic payments.

Accepted credit and debit cards — Payment gateways often have a variety of credit cards and payment methods they accept. Merchants can often choose from that list of accepted payment options which methods they will accept, giving them control.

Potential Issues with Payment Gateway Software

Integrations — While your e-commerce platform may be one of the biggest deciding factors when choosing a payment gateway, there are other software integrations to keep in mind as well. Subscription management tools are often paired with payment gateways to manage recurring payments from customers. Additionally, shopping cart tools will need to be considered, as they allow customers to select items for purchase and generate a total amount to be charged through the payment gateway.

Currencies and payment type — Payment gateways are limited by the countries and currencies they support. This often requires e-commerce businesses to use more than one payment gateway to cater to more customers. Additionally, tools in this category are limited by the payment methods they accept: credit cards, ACH payments, split payments, etc. It’s important to understand where your customers are and the payment methods they use before integrating a new payment gateway with your e-commerce store.

Transaction fees — Most payment gateways will charge a small processing fee for each transaction. This fee can be either a flat rate or a small percentage and is often determined by the number of transactions your e-commerce business processes each month. Small businesses usually pay a lower rate than enterprise-level e-commerce businesses. Monthly and initiation fees are also common for most payment gateways.