# Best Enterprise Payment Gateways

  *By [Subhransu Sahu](https://research.g2.com/insights/author/subhransu-sahu)*

   Products classified in the overall Payment Gateways category are similar in many regards and help companies of all sizes solve their business problems. However, enterprise business features, pricing, setup, and installation differ from businesses of other sizes, which is why we match buyers to the right Enterprise Business Payment Gateways to fit their needs. Compare product ratings based on reviews from enterprise users or connect with one of G2's buying advisors to find the right solutions within the Enterprise Business Payment Gateways category.

In addition to qualifying for inclusion in the Payment Gateways category, to qualify for inclusion in the Enterprise Business Payment Gateways category, a product must have at least 10 reviews left by a reviewer from an enterprise business.




  ## How Many Payment Gateways Products Does G2 Track?
**Total Products under this Category:** 351

  
## How Does G2 Rank Payment Gateways Products?

**Why You Can Trust G2's Software Rankings:**

- 30 Analysts and Data Experts
- 6,800+ Authentic Reviews
- 351+ Products
- Unbiased Rankings

G2's software rankings are built on verified user reviews, rigorous moderation, and a consistent research methodology maintained by a team of analysts and data experts. Each product is measured using the same transparent criteria, with no paid placement or vendor influence. While reviews reflect real user experiences, which can be subjective, they offer valuable insight into how software performs in the hands of professionals. Together, these inputs power the G2 Score, a standardized way to compare tools within every category.

  
## Which Payment Gateways Is Best for Your Use Case?

- **Best for Small Businesses:** [PayPal Payments](https://www.g2.com/products/paypal/reviews)
- **Best for Mid-Market:** [PayPal Payments](https://www.g2.com/products/paypal/reviews)
- **Best for Enterprise:** [PayPal Payments](https://www.g2.com/products/paypal/reviews)
- **Highest User Satisfaction:** [PayPal Payments](https://www.g2.com/products/paypal/reviews)
- **Best Free Software:** [HitPay](https://www.g2.com/products/hitpay/reviews)

  
---

**Sponsored**

### Paysafe

Paysafe is a global payments platform delivering high‑performance infrastructure for growing businesses. With over 30 years of experience, Paysafe enables secure, seamless transactions across card payments, digital wallets, local payment methods, and e-cash solutions. Our flexible, scalable platform connects digital and physical commerce, helping businesses operate confidently across markets, currencies and risk profiles. By adapting around your business, Paysafe lifts performance, resilience, and reliability, supporting growth where it matters most.



[Visit website](https://www.g2.com/external_clickthroughs/record?secure%5Bad_program%5D=ppc&secure%5Bad_slot%5D=category_product_list&secure%5Bcategory_id%5D=95&secure%5Bdisplayable_resource_id%5D=95&secure%5Bdisplayable_resource_type%5D=Category&secure%5Bmedium%5D=sponsored&secure%5Bplacement_reason%5D=page_category&secure%5Bplacement_resource_ids%5D%5B%5D=95&secure%5Bprioritized%5D=false&secure%5Bproduct_id%5D=16798&secure%5Bresource_id%5D=95&secure%5Bresource_type%5D=Category&secure%5Bsource_type%5D=category_page&secure%5Bsource_url%5D=https%3A%2F%2Fwww.g2.com%2Fcategories%2Fpayment-gateways&secure%5Btoken%5D=fbf7a1c4944e664658b89c3e5ff6ca52795d9aaf754910ce5a661d55c80fc2dc&secure%5Burl%5D=https%3A%2F%2Fwww.paysafe.com%2Fen%2Fenterprise%2Fg2-contact-sales%2Fpaid%2F%3Futm_source%3Dg2%26utm_medium%3Ddisplay%26utm_campaign%3D2026-ent-clicks%26utm_content%3Dcategory&secure%5Burl_type%5D=custom_url)

---

  ## What Are the Top-Rated Payment Gateways Products in 2026?
### 1. [PayPal Payments](https://www.g2.com/products/paypal/reviews)
  PayPal Payments is a comprehensive payment processing solution designed to empower businesses of all sizes to accept payments seamlessly from customers worldwide. By integrating PayPal Payments, merchants can offer a variety of payment options, enhancing the checkout experience and potentially increasing conversion rates. Key Features and Functionality: - Global Payment Acceptance: Supports transactions in over 200 markets and 140 currencies, enabling businesses to cater to a diverse customer base. - Multiple Payment Methods: Allows customers to pay using credit and debit cards, PayPal balances, and other local payment methods, providing flexibility and convenience. - Seamless Integration: Compatible with major eCommerce platforms, facilitating easy integration into existing online stores. - Advanced Security Measures: Incorporates robust fraud protection tools and compliance features to safeguard both merchants and customers. - Financial Services: Offers access to business loans and working capital, assisting merchants in managing and expanding their operations. Primary Value and Solutions Provided: PayPal Payments addresses the critical need for businesses to offer secure, efficient, and versatile payment options to their customers. By leveraging PayPal's extensive network and trusted reputation, merchants can enhance customer trust, streamline payment processes, and expand their reach to international markets. The platform's comprehensive suite of tools not only facilitates payment acceptance but also supports business growth through financial services and operational insights.


  **Average Rating:** 4.4/5.0
  **Total Reviews:** 2,675
**How Do G2 Users Rate PayPal Payments?**

- **Has the product been a good partner in doing business?:** 8.1/10 (Category avg: 8.7/10)
- **Performance and Reliability:** 8.9/10 (Category avg: 8.8/10)
- **Online payment portal:** 9.1/10 (Category avg: 8.5/10)
- **Level 3:** 8.4/10 (Category avg: 7.9/10)

**Who Is the Company Behind PayPal Payments?**

- **Seller:** [PayPal](https://www.g2.com/sellers/paypal)
- **Company Website:** https://www.paypal.com/
- **Year Founded:** 1998
- **HQ Location:** San Jose, CA
- **Twitter:** @PayPal (1,111,917 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/1482/ (36,575 employees on LinkedIn®)

**Who Uses This Product?**
  - **Who Uses This:** Owner, Manager
  - **Top Industries:** Information Technology and Services, Computer Software
  - **Company Size:** 62% Small-Business, 23% Mid-Market


#### What Are PayPal Payments's Pros and Cons?

**Pros:**

- Ease of Use (474 reviews)
- Easy Payments (326 reviews)
- Convenience (237 reviews)
- Security (237 reviews)
- Speed (226 reviews)

**Cons:**

- High Fees (234 reviews)
- Expensive (196 reviews)
- Poor Customer Support (109 reviews)
- Excessive Fees (106 reviews)
- High Transaction Fees (102 reviews)

### 2. [Adyen Payments](https://www.g2.com/products/adyen-payments/reviews)
  Adyen is the financial technology platform of choice for top brands like Facebook, Uber, H&M, eBay, and Prada. It offers seamless payments across online, mobile, and in-person channels—all in a single platform. This means higher conversion, better customer experiences, and streamlined operations. Key capabilities include: • Over 150 currencies and payment methods. • Cross-channel reporting and real time insights. • AI technology to optimize payments and drive conversion. • A wide range of fully-certified and customizable POS solutions. • Built-in fraud detection, prevention, and management. • Seamless, connected payments for online, in-app, and in-store. With more than 30 offices worldwide, Adyen helps ambitious enterprises grow. To learn more, talk to the team: https://www.adyen.com/contact/sales


  **Average Rating:** 3.8/5.0
  **Total Reviews:** 33
**How Do G2 Users Rate Adyen Payments?**

- **Has the product been a good partner in doing business?:** 9.0/10 (Category avg: 8.7/10)
- **Performance and Reliability:** 8.7/10 (Category avg: 8.8/10)
- **Online payment portal:** 9.7/10 (Category avg: 8.5/10)
- **Level 3:** 10.0/10 (Category avg: 7.9/10)

**Who Is the Company Behind Adyen Payments?**

- **Seller:** [Adyen](https://www.g2.com/sellers/adyen)
- **Year Founded:** 2006
- **HQ Location:** Amsterdam
- **Twitter:** @Adyen (21,656 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/adyen/ (5,356 employees on LinkedIn®)
- **Ownership:** AMS: ADYEN

**Who Uses This Product?**
  - **Company Size:** 36% Mid-Market, 33% Small-Business


#### What Are Adyen Payments's Pros and Cons?

**Pros:**

- Ease of Use (8 reviews)
- Efficiency (3 reviews)
- Intuitive (3 reviews)
- Reliability (3 reviews)
- Features (2 reviews)

**Cons:**

- Technical Issues (3 reviews)
- Excessive Fees (2 reviews)
- Software Bugs (2 reviews)
- Authentication Issues (1 reviews)
- Billing Issues (1 reviews)

### 3. [Paytm Business](https://www.g2.com/products/paytm-business/reviews)
  More than 17 million Payment Partners use Paytm for Business - India's most trusted payments platform.The easiest way to accept payments everywhere. At Paytm we try to enable all sellers and merchants to go cashless! We offer a variety of payment solutions for all businesses from a local teashop to large international organizations, everyone can use Paytm!


  **Average Rating:** 4.5/5.0
  **Total Reviews:** 274
**How Do G2 Users Rate Paytm Business?**

- **Has the product been a good partner in doing business?:** 8.9/10 (Category avg: 8.7/10)
- **Performance and Reliability:** 8.8/10 (Category avg: 8.8/10)
- **Online payment portal:** 9.0/10 (Category avg: 8.5/10)
- **Level 3:** 8.6/10 (Category avg: 7.9/10)

**Who Is the Company Behind Paytm Business?**

- **Seller:** [Paytm](https://www.g2.com/sellers/paytm)
- **Year Founded:** 2009
- **HQ Location:** Noida, Uttar Pradesh, India
- **Twitter:** @Paytm (1,308,644 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/2340144/ (29,078 employees on LinkedIn®)

**Who Uses This Product?**
  - **Who Uses This:** Student, Software Engineer
  - **Top Industries:** Information Technology and Services, Computer Software
  - **Company Size:** 56% Small-Business, 34% Mid-Market


#### What Are Paytm Business's Pros and Cons?

**Pros:**

- Ease of Use (4 reviews)
- Convenience (3 reviews)
- Payment Ease (3 reviews)
- Setup Ease (3 reviews)
- Speed (3 reviews)

**Cons:**

- Poor Customer Support (3 reviews)
- Extra Charges (2 reviews)
- Transaction Issues (2 reviews)
- Excessive Fees (1 reviews)
- Expensive (1 reviews)

### 4. [checkout.com](https://www.g2.com/products/checkout-com/reviews)
  Checkout.com is a cloud-based payments platform – and their mission is to enable businesses and their communities to thrive in the digital economy. Checkout.com’s modular technology allows businesses to add features, manage risk while protecting conversion – and add new payment methods to power growth in new markets. Their local teams in multiple countries offer on-the-ground support to help merchants improve payments performance, navigate regulation and switch on new business models with ease. Checkout.com boasts fast, reliable payments and payouts in more than 150+ currencies, with in-country acquiring, fraud filters and reporting through one API. Checkout.com can accept all major international credit and debit cards, as well as popular alternative and local payment methods. Headquartered in London, Checkout.com currently has 19 offices spread across North America, South America, Europe, MENA and Asia Pacific.


  **Average Rating:** 4.6/5.0
  **Total Reviews:** 69
**How Do G2 Users Rate checkout.com?**

- **Has the product been a good partner in doing business?:** 9.2/10 (Category avg: 8.7/10)
- **Performance and Reliability:** 9.3/10 (Category avg: 8.8/10)
- **Online payment portal:** 8.8/10 (Category avg: 8.5/10)
- **Level 3:** 8.5/10 (Category avg: 7.9/10)

**Who Is the Company Behind checkout.com?**

- **Seller:** [Checkout.com](https://www.g2.com/sellers/checkout-com)
- **Company Website:** https://checkout.com/
- **Year Founded:** 2012
- **HQ Location:** London, United Kingdom
- **Twitter:** @Checkout (9,724 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/3110635 (2,261 employees on LinkedIn®)

**Who Uses This Product?**
  - **Top Industries:** Financial Services, Retail
  - **Company Size:** 41% Mid-Market, 34% Small-Business


#### What Are checkout.com's Pros and Cons?

**Pros:**

- Customer Support (19 reviews)
- Ease of Use (19 reviews)
- Helpful (10 reviews)
- Easy Payments (9 reviews)
- Reliability (9 reviews)

**Cons:**

- Limited Features (6 reviews)
- Missing Features (5 reviews)
- Expensive (4 reviews)
- Poor Customer Support (4 reviews)
- Delays (3 reviews)

### 5. [Trustpair](https://www.g2.com/products/trustpair/reviews)
  Trustpair is the leading Account Validation Platform helping large organizations secure their vendor payments and eliminate vendor fraud. The Enterprise-grade platform delivers real-time bank account ownerships verification in 190 contries, continuous vendor master file monitoring, and payment files checks. Trustpair key features include: - Automated, global bank account ownership verification - Deep P2P tools integrations (SAP, Oracle, Coupa, Kyriba) - Continuous monitoring throughout the P2P (PMS, ERPs) - Audit-ready Reporting and Traceability for Nacha & SOX Compliance - Up to 1million liability Finance, procurement, and compliance teams in 500+ companies use Trustpair to prevent vendor fraud, reduce manual workload on account validation by 90%, and ensure every payment goes to the right beneficiary.


  **Average Rating:** 4.8/5.0
  **Total Reviews:** 21
**How Do G2 Users Rate Trustpair?**

- **Has the product been a good partner in doing business?:** 9.7/10 (Category avg: 8.7/10)
- **Performance and Reliability:** 10.0/10 (Category avg: 8.8/10)
- **Online payment portal:** 8.0/10 (Category avg: 8.5/10)
- **Level 3:** 6.7/10 (Category avg: 7.9/10)

**Who Is the Company Behind Trustpair?**

- **Seller:** [Trustpair](https://www.g2.com/sellers/trustpair)
- **Company Website:** https://trustpair.com/
- **Year Founded:** 2017
- **HQ Location:** Paris, FR
- **Twitter:** @trustpair (391 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/trustpair (112 employees on LinkedIn®)

**Who Uses This Product?**
  - **Company Size:** 57% Enterprise, 24% Mid-Market


#### What Are Trustpair's Pros and Cons?

**Pros:**

- Ease of Use (6 reviews)
- Customer Support (3 reviews)
- Efficiency (3 reviews)
- Fraud Prevention (3 reviews)
- Automation (2 reviews)

**Cons:**

- False Alarms (1 reviews)
- Inadequate Reporting (1 reviews)
- Integration Issues (1 reviews)
- Poor Analytics (1 reviews)
- Security Issues (1 reviews)

### 6. [Apple Pay for merchants](https://www.g2.com/products/apple-pay-for-merchants/reviews)
  Apple Pay for merchants is a secure and convenient payment solution that enables businesses to accept contactless payments using Apple devices. With Apple Pay, merchants can offer customers a seamless checkout experience, whether in-store, online, or within apps. This service supports a wide range of payment methods, including credit and debit cards, Apple Cash, and other digital wallets, facilitating quick and efficient transactions. Key Features and Functionality: - Contactless Payments: Accept payments from customers using iPhone, Apple Watch, or other contactless-enabled devices, enhancing the speed and convenience of transactions. - Tap to Pay on iPhone: Merchants can use their iPhone to accept contactless payments without additional hardware. By leveraging the Tap to Pay feature, businesses can process payments directly through their device, simplifying the point-of-sale setup. - Integration with Payment Platforms: Apple Pay integrates with various payment platforms and apps, allowing merchants to incorporate it into their existing payment systems seamlessly. - Enhanced Security: Utilizing advanced security features like Face ID, Touch ID, and device-specific numbers, Apple Pay ensures that each transaction is secure and that customer payment information remains private. - Broad Acceptance: Apple Pay is accepted at a vast number of retail locations, apps, and websites, providing merchants with a versatile payment solution that meets the needs of a diverse customer base. Primary Value and Solutions Provided: Apple Pay addresses the need for a fast, secure, and user-friendly payment method in today's digital economy. For merchants, it simplifies the payment process by eliminating the need for physical cards and reducing transaction times. The integration of Tap to Pay on iPhone allows businesses to accept payments without investing in additional hardware, making it an ideal solution for small to medium-sized enterprises seeking cost-effective payment options. Furthermore, Apple Pay's robust security measures protect both merchants and customers from potential fraud, fostering trust and reliability in every transaction.


  **Average Rating:** 4.7/5.0
  **Total Reviews:** 135
**How Do G2 Users Rate Apple Pay for merchants?**

- **Has the product been a good partner in doing business?:** 8.5/10 (Category avg: 8.7/10)
- **Performance and Reliability:** 9.4/10 (Category avg: 8.8/10)
- **Online payment portal:** 8.1/10 (Category avg: 8.5/10)
- **Level 3:** 8.5/10 (Category avg: 7.9/10)

**Who Is the Company Behind Apple Pay for merchants?**

- **Seller:** [Apple](https://www.g2.com/sellers/apple)
- **Year Founded:** 1976
- **HQ Location:** Cupertino, CA
- **Twitter:** @Apple (9,941,952 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/162479/ (180,534 employees on LinkedIn®)
- **Ownership:** NASDAQ:AAPL

**Who Uses This Product?**
  - **Top Industries:** Retail, Food & Beverages
  - **Company Size:** 63% Small-Business, 20% Mid-Market


#### What Are Apple Pay for merchants's Pros and Cons?

**Pros:**

- Convenience (2 reviews)
- Security (2 reviews)
- Ease of Use (1 reviews)
- Fees (1 reviews)
- Speed (1 reviews)

**Cons:**

- Limited Usability (1 reviews)

### 7. [TSYS](https://www.g2.com/products/tsys/reviews)
  Credit card processing company.


  **Average Rating:** 4.6/5.0
  **Total Reviews:** 19
**How Do G2 Users Rate TSYS?**

- **Has the product been a good partner in doing business?:** 8.6/10 (Category avg: 8.7/10)
- **Performance and Reliability:** 9.4/10 (Category avg: 8.8/10)
- **Online payment portal:** 9.4/10 (Category avg: 8.5/10)
- **Level 3:** 9.6/10 (Category avg: 7.9/10)

**Who Is the Company Behind TSYS?**

- **Seller:** [Global Payments](https://www.g2.com/sellers/global-payments)
- **Year Founded:** 1967
- **HQ Location:** Atlanta, US
- **Twitter:** @GlobalPayInc (6,008 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/global-payments/ (24,709 employees on LinkedIn®)
- **Ownership:** NYSE:GPN

**Who Uses This Product?**
  - **Top Industries:** Banking
  - **Company Size:** 63% Enterprise, 25% Mid-Market


### 8. [Payoneer](https://www.g2.com/products/payoneer/reviews)
  Payoneer is the financial technology company empowering the world’s small and medium-sized businesses to transact, do business, and grow globally. Payoneer was founded in 2005 with the belief that talent is equally distributed, but opportunity is not. It is our mission to enable any entrepreneur and business anywhere to participate and succeed in an increasingly digital global economy. Since our founding, we have built a global financial stack that removes barriers and simplifies cross-border commerce. We make it easier for millions of SMBs, particularly in emerging markets, to connect to the global economy, pay and get paid, manage their funds across multiple currencies, and grow their businesses.


  **Average Rating:** 3.2/5.0
  **Total Reviews:** 359
**How Do G2 Users Rate Payoneer?**

- **Has the product been a good partner in doing business?:** 5.1/10 (Category avg: 8.7/10)
- **Performance and Reliability:** 7.4/10 (Category avg: 8.8/10)
- **Online payment portal:** 7.1/10 (Category avg: 8.5/10)
- **Level 3:** 6.5/10 (Category avg: 7.9/10)

**Who Is the Company Behind Payoneer?**

- **Seller:** [Payoneer](https://www.g2.com/sellers/payoneer)
- **Year Founded:** 2005
- **HQ Location:** New York
- **Twitter:** @Payoneer (90,354 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/56101/ (3,132 employees on LinkedIn®)
- **Ownership:** NASDAQ: PAYO

**Who Uses This Product?**
  - **Who Uses This:** Professional Freelancer, Founder
  - **Top Industries:** Information Technology and Services, Internet
  - **Company Size:** 58% Small-Business, 23% Mid-Market


#### What Are Payoneer's Pros and Cons?

**Pros:**

- Ease of Use (28 reviews)
- Easy Payments (18 reviews)
- International Payments (17 reviews)
- Payment Processing (15 reviews)
- Reliability (11 reviews)

**Cons:**

- High Fees (22 reviews)
- Poor Customer Support (21 reviews)
- Excessive Fees (20 reviews)
- Payment Issues (15 reviews)
- Account Blocking (11 reviews)

### 9. [Stripe Connect](https://www.g2.com/products/stripe-connect/reviews)
  The world’s most successful platforms and marketplaces, including Shopify and DoorDash, use Stripe Connect to embed payments into their products. Connect offers instant onboarding, embedded components, global payouts, and more—go live in weeks instead of quarters, build a profitable payment business, and scale with ease. Learn more at stripe.com/connect.


  **Average Rating:** 4.4/5.0
  **Total Reviews:** 247
**How Do G2 Users Rate Stripe Connect?**

- **Has the product been a good partner in doing business?:** 8.7/10 (Category avg: 8.7/10)
- **Performance and Reliability:** 9.3/10 (Category avg: 8.8/10)
- **Online payment portal:** 8.3/10 (Category avg: 8.5/10)
- **Level 3:** 6.5/10 (Category avg: 7.9/10)

**Who Is the Company Behind Stripe Connect?**

- **Seller:** [Stripe](https://www.g2.com/sellers/stripe)
- **Year Founded:** 2010
- **HQ Location:** San Francisco, CA
- **Twitter:** @stripe (283,854 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/2135371/ (14,491 employees on LinkedIn®)

**Who Uses This Product?**
  - **Who Uses This:** Founder, Owner
  - **Top Industries:** Computer Software, Internet
  - **Company Size:** 74% Small-Business, 19% Mid-Market


#### What Are Stripe Connect's Pros and Cons?

**Pros:**

- Ease of Use (6 reviews)
- Easy Integrations (5 reviews)
- Payment Ease (4 reviews)
- Payment Processing (4 reviews)
- Speed (4 reviews)

**Cons:**

- Poor Customer Support (4 reviews)
- Excessive Fees (3 reviews)
- High Fees (3 reviews)
- Slow Payments (3 reviews)
- Complex Implementation (2 reviews)

### 10. [Skrill](https://www.g2.com/products/skrill/reviews)
  Skrill is a digital multi‑currency wallet under the Paysafe umbrella. It enables secure, fast online payments and transfers using just your email and password, offering flexibility with cards, bank transfers, and local payment options. Skrill operates in over 100 countries, supports more than 40 currencies, and allows users to pay merchants, send money, or even hold and convert funds to cryptocurrency.


  **Average Rating:** 3.4/5.0
  **Total Reviews:** 63
**How Do G2 Users Rate Skrill?**

- **Has the product been a good partner in doing business?:** 8.0/10 (Category avg: 8.7/10)
- **Performance and Reliability:** 7.6/10 (Category avg: 8.8/10)
- **Online payment portal:** 6.4/10 (Category avg: 8.5/10)
- **Level 3:** 6.1/10 (Category avg: 7.9/10)

**Who Is the Company Behind Skrill?**

- **Seller:** [Paysafe Group](https://www.g2.com/sellers/paysafe-group)
- **Year Founded:** 1996
- **HQ Location:** London, United Kingdom
- **Twitter:** @Paysafe (12,522 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/paysafegroup/ (3,515 employees on LinkedIn®)
- **Ownership:** LON:PAYS

**Who Uses This Product?**
  - **Top Industries:** Internet, Information Technology and Services
  - **Company Size:** 68% Small-Business, 24% Enterprise


#### What Are Skrill's Pros and Cons?

**Pros:**

- Efficiency (1 reviews)

**Cons:**

- Account Blocking (1 reviews)
- Financial Mismanagement (1 reviews)
- Poor Customer Support (1 reviews)


    ## What Is Payment Gateways?
  [Payment Software](https://www.g2.com/categories/payment)
  ## What Software Categories Are Similar to Payment Gateways?
    - [Enterprise Payment Software](https://www.g2.com/categories/enterprise-payment)
    - [Payment Processing Software](https://www.g2.com/categories/payment-processing)
    - [Embedded Payments Software](https://www.g2.com/categories/embedded-payments)

  
---

## How Do You Choose the Right Payment Gateways?

### What You Should Know About Payment Gateways

### What are Payment Gateways?

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 Gateways

- 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 Gateways?

“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](https://www.g2.com/categories/payment-gateways/f/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 Gateways?

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 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](https://www.g2.com/categories/payment-gateways/f/international) 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](https://www.g2.com/categories/payment-gateways/f/e-commerce) 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.

Other Features of Payment Gateways: [B2B](https://www.g2.com/categories/payment-gateways/f/b2b), [Mobile](https://www.g2.com/categories/payment-gateways/f/mobile), [Retail](https://www.g2.com/categories/payment-gateways/f/retail)

### Trends Related to Payment Gateways

**Mobile integrations —** More and more consumers are using their phones to shop, so more and more businesses are seeking to integrate mobile technology into their e-commerce strategies. By making it easy for consumers to make secure payments on their phones, it becomes easier to expand into m-commerce.

**Blockchain —** With the rise of blockchain as a secure means of transferring funds and data online, payment gateways are adopting the technology for their own platforms more and more. Some even allow payment in Bitcoin and other cryptocurrencies.

### Potential Issues with Payment Gateways

**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.

### Software and Services Related to Payment Gateways

[**E-commerce platforms**](https://www.g2.com/categories/e-commerce-platforms) **—** E-commerce platforms are one of the main tools used alongside payment gateways, since many payment gateways are already integrated with most e-commerce platforms. This makes it easy for customers to make purchases online right away and makes it much easier for merchants to create an online store. Since online payments must be done with a credit card or other digital payment method, payment gateways are a necessity.

[**Shopping cart software**](https://www.g2.com/categories/shopping-cart) **—** Shopping cart software allows customers to buy multiple items at once in a single online transaction. This cart then interacts with the payment gateway by allowing the customer to pay for all the items at once without having to pay for each item individually.

[**Subscription management**](https://www.g2.com/categories/subscription-management) **—** Subscription management software allows merchants to create subscriptions that customers pay for at regular intervals. By integrating with payment gateway software, subscription management tools allow consumers to pay for their subscriptions online or set up automatic, recurring payments.



    
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## What Are the Most Common Questions About Payment Gateways?

### How do payment gateways differ in terms of international transaction support?

Payment gateways vary significantly in international transaction support. PayPal is widely recognized for its extensive global reach, supporting transactions in over 100 currencies, while Stripe offers robust international capabilities with features like automatic currency conversion. Square, however, has limited international support, primarily focusing on the U.S., Canada, Australia, Japan, and the U.K. Adyen stands out for its comprehensive international payment solutions, catering to a wide range of currencies and payment methods. Finally, Authorize.Net provides basic international support but is less versatile compared to its competitors.



### How do payment gateways ensure compliance with PCI DSS standards?

Payment gateways ensure compliance with PCI DSS standards by implementing robust security measures such as encryption, tokenization, and secure data storage. They regularly undergo security assessments and audits to maintain compliance. User reviews highlight that top products like Stripe, PayPal, and Square emphasize their commitment to PCI compliance, with features like fraud detection and secure payment processing. Additionally, many users appreciate the ease of integration with existing systems, which helps maintain compliance without extensive overhead.



### How do payment gateways handle chargebacks and disputes?

Payment gateways typically manage chargebacks and disputes by providing tools for merchants to respond to claims, including detailed transaction records and evidence submission features. For instance, platforms like Stripe and PayPal offer automated chargeback management systems that help streamline the process. Users frequently highlight the importance of these features, noting that effective dispute resolution can significantly impact their business operations. Additionally, many gateways provide educational resources to help merchants understand chargeback reasons and prevention strategies, enhancing overall transaction security.



### How do payment gateways handle recurring billing and subscriptions?

Payment gateways typically manage recurring billing and subscriptions by offering automated billing cycles, customizable subscription plans, and integrated invoicing features. For instance, Stripe allows users to set up various billing intervals and provides detailed analytics on subscription metrics. PayPal supports subscription management with options for trial periods and automatic renewals. Square offers tools for managing recurring payments and customer subscriptions, while Authorize.Net provides features for automated billing and customer management. These functionalities enhance user experience and streamline payment processes for businesses.



### How scalable are payment gateways for growing businesses?

Payment gateways are generally scalable for growing businesses, with many solutions offering features that support increased transaction volumes and user bases. For instance, products like Stripe and PayPal are noted for their robust APIs and flexible pricing models, allowing businesses to scale without significant upfront costs. Additionally, Square is praised for its ease of integration and ability to handle varying transaction sizes, making it suitable for businesses of all sizes. Overall, user feedback highlights that these gateways effectively accommodate growth while maintaining performance.



### What are the average transaction fees for payment gateways in this category?

The average transaction fees for payment gateways typically range from 2.9% to 3.5% per transaction, with some providers offering flat fees around $0.30 per transaction. For instance, PayPal charges approximately 2.9% + $0.30, while Stripe has similar rates. Square also follows this model, with fees around 2.6% + $0.10 for in-person transactions. These fees can vary based on transaction volume and specific agreements with the providers.



### What are the most common user experience issues with payment gateways?

Common user experience issues with payment gateways include slow transaction processing times, which can lead to cart abandonment, as noted by users of PayPal and Stripe. Additionally, complex user interfaces and lack of customization options are frequently mentioned pain points, particularly with Square and Authorize.Net. Users also report difficulties with integration into existing systems, especially with gateways like Braintree and Adyen, which can hinder overall user satisfaction.



### What are the typical setup and monthly fees for payment gateways?

Typical setup fees for payment gateways range from $0 to $500, while monthly fees generally vary from $0 to $30. For instance, PayPal offers no monthly fee, whereas Authorize.Net charges around $25 monthly. Square has no setup fee and charges a flat rate per transaction, while Stripe also has no monthly fee but takes a percentage of each transaction. These variations depend on the specific features and services offered by each provider.



### What customer support options are available with payment gateways?

Payment gateways typically offer a variety of customer support options, including 24/7 live chat, email support, and phone support. For instance, PayPal is noted for its extensive customer service availability, while Square provides robust online resources and community forums. Stripe users often highlight the effectiveness of their email support, although response times can vary. Authorize.Net offers dedicated support teams for merchants, ensuring personalized assistance. Overall, the level of support can vary significantly across different providers, with many users emphasizing the importance of responsive and accessible customer service.



### What integrations do payment gateways support with e-commerce platforms?

Payment gateways commonly integrate with various e-commerce platforms to facilitate transactions. For instance, Stripe integrates with Shopify, WooCommerce, and Magento, while PayPal supports integrations with platforms like BigCommerce and Wix. Square is compatible with platforms such as WooCommerce and Shopify, and Authorize.Net connects with Magento and PrestaShop. These integrations enable seamless payment processing, enhancing user experience and operational efficiency across different e-commerce environments.



### What reporting and analytics features do payment gateways provide?

Payment gateways typically offer a range of reporting and analytics features, including transaction history tracking, sales performance metrics, and customer insights. For instance, PayPal provides detailed transaction reports and analytics dashboards, while Stripe offers real-time reporting and customizable data exports. Square includes sales reports and customer engagement analytics, and Authorize.Net features transaction summaries and fraud detection reports. These tools help businesses monitor performance, optimize sales strategies, and enhance customer experience.



### What security features should I look for in a payment gateway?

When selecting a payment gateway, prioritize security features such as PCI DSS compliance, which is essential for protecting cardholder data. Look for tokenization to replace sensitive data with unique identifiers, and end-to-end encryption to secure transactions. Additionally, features like fraud detection tools and chargeback management can enhance security. User reviews highlight that platforms like Stripe, PayPal, and Square excel in these areas, with Stripe noted for its robust fraud prevention tools and PayPal for its comprehensive security measures.