Check out our list of free Payment Gateways. Products featured on this list are the ones that offer a free trial version. As with most free versions, there are limitations, typically time or features.
If you'd like to see more products and to evaluate additional feature options, compare all Payment Gateways to ensure you get the right product.
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
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
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.
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.
PayLane is an online payment service provider (payment gateway) operating globally with over 160 currencies. Apart from specializing in offering local specific online payments, PayLane (acquired by Polskie ePłatności - Polish ePayments in March 2018) has an offer of POS terminals and regional coverage. PayLane offers payment methods such as: Apple Pay, Visa, MasterCard, GiroPay, iDeal, CartaSi, Dankort, Sofort, SEPA, JCB, Diners Club, American Express, PayPal, Carte Bleue, Discover and more
UniPayGateway is web-based, modular payment gateway solution for cards processing, customer accounts management, recurring billing process automation. Unique, enterprise-level processor agnostic gateway with support for numerous processors (FirstData, Tsys, Paymentech, Global, Elavon, etc). Integrated prospecting, paperless sales, recurring billing, account management and collections functionality for management of the entire payment cycle. Both binary and source code licenses available.
FONDY — international, universal payment platform, the purpose of which is to combine all payment methods and destroy the barriers for e-commerce business . The company processes payments from more than 200 countries, accepts payments in more than 150 currencies, integrated with more than 40 payment methods. With an easy connection, FONDY can accept payments on websites, online stores, Android, iOS, Windows Phone, SmartTV, Unity3D. Currently, the platform can be integrated with more than 50 C
Forte Payment Systems, a CSG Company offers merchants and partners a broad range of payment solutions, including credit card processing, ACH/eCheck origination, check verification, fraud prevention, and much more. Through superior customer service and a modern payments stack, Forte is dedicated to helping organizations of all sizes reduce transaction costs, mitigate risk, and increase efficiencies.
MANGOPAY provides an end-to-end payment solution to manage third-party transactions, designed for marketplaces, crowdfunding platforms and fintechs. Thanks to its white-label API, clients can set up custom payment flows to optimise their business model, in full security and with flexibility over users, e-wallets and commissions. Serving the specialist entrepreneurial needs of European markets, MANGOPAY handles various currencies and specific payment methods, escrows funds indefinitely, and verif
Bolt connects your SaaS business to industry leading payment gateways, so that you can offer the choice to your customers. SaaS platforms of all sizes make use of Bolt to scale more efficiently and affordably while avoiding the need to manage compliance in-house. Within a week, Bolt can help make your business accessible to more markets, and by extension, more customers.
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
“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.
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 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.
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.
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.