# Best Payment Gateways for Small Business - Page 2

*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, small business features, pricing, setup, and installation differ from businesses of other sizes, which is why we match buyers to the right Small 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 Small Business Payment Gateways category.

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





## Top Payment Gateways at a Glance
| # | Product | Rating | Best For | What Users Say |
|---|---------|--------|----------|----------------|
| 1 | [PayPal Payments](https://www.g2.com/products/paypal/reviews) | 4.4/5.0 (2,687 reviews) | Global checkout with buyer trust and currency flexibility | "[Convenient for Transfers, But High Fees](https://www.g2.com/survey_responses/paypal-payments-review-12786911)" |
| 2 | [Adyen Payments](https://www.g2.com/products/adyen-payments/reviews) | 4.0/5.0 (40 reviews) | Omnichannel payment reconciliation with fraud auto-defense | "[Comprehensive and Efficient Payment Solution](https://www.g2.com/survey_responses/adyen-payments-review-12978203)" |
| 3 | [Apple Pay for merchants](https://www.g2.com/products/apple-pay-for-merchants/reviews) | 4.7/5.0 (135 reviews) | Contactless checkout with tokenized card security | "[One of top best wallets to have on your iPhone](https://www.g2.com/survey_responses/apple-pay-for-merchants-review-11124701)" |
| 4 | [checkout.com](https://www.g2.com/products/checkout-com/reviews) | 4.6/5.0 (70 reviews) | Multi-region card acceptance with high authorization rates | "[The best tool to check on transaction statuses internationally](https://www.g2.com/survey_responses/checkout-com-review-11709452)" |
| 5 | [Razorpay](https://www.g2.com/products/razorpay/reviews) | 4.2/5.0 (116 reviews) | — | "[Best payment success rate among all gateways i tested, justifies the 2 percent easily](https://www.g2.com/survey_responses/razorpay-review-12677416)" |
| 6 | [Paytm Business](https://www.g2.com/products/paytm-business/reviews) | 4.5/5.0 (273 reviews) | Voice-confirmed QR payments with instant settlement | "[A Game-Changer for Small Teams, Needs Faster Support](https://www.g2.com/survey_responses/paytm-business-review-12718502)" |
| 7 | [EBizCharge](https://www.g2.com/products/ebizcharge/reviews) | 4.8/5.0 (96 reviews) | ERP-integrated payment processing with QuickBooks and Acumatica | "[Flawless NetSuite Integration, Strong Support, and Real Savings with eBizCharge](https://www.g2.com/survey_responses/ebizcharge-review-12934412)" |
| 8 | [Square Payments](https://www.g2.com/products/square-payments/reviews) | 4.5/5.0 (168 reviews) | Mobile invoicing with in-person payment flexibility | "[Fast, Easy Payments and All-in-One Tracking That Keeps My Business Organized](https://www.g2.com/survey_responses/square-payments-review-12724459)" |
| 9 | [NMI Gateway](https://www.g2.com/products/nmi-gateway/reviews) | 4.6/5.0 (104 reviews) | Reseller-managed gateways with multi-MID processor flexibility | "[Proactive Support and Seamless Integrations](https://www.g2.com/survey_responses/nmi-gateway-review-12121375)" |
| 10 | [Stripe Connect](https://www.g2.com/products/stripe-connect/reviews) | 4.3/5.0 (247 reviews) | Marketplace payment splitting and multi-party payouts | "[Stripe Makes Payment Collection Simple and Seamless](https://www.g2.com/survey_responses/stripe-connect-review-12709079)" |

---
## What Are the Most Common Questions About Payment Gateways?
*AI-generated · Last updated: May 26, 2026*
### Which tool supports recurring billing through payment gateways?
Based on G2 reviews, Razorpay stands out for recurring billing support in this Payment Gateways category. According to verified users, its subscription product helps manage mandates, retry logic, and dunning, which reduced manual work and helped teams avoid building those flows internally. G2 reviewers also mention PayPal Payments for automatic subscription renewals and recurring charges, while Usio is noted for recurring billing tied to donation pages and hosted payment pages. Overall, reviewers point to recurring billing value when a platform combines payment collection with invoicing, subscription handling, and easier reconciliation for ongoing customer payments.


### Which payment gateway offers the lowest transaction fees?
Based on G2 reviews, there is no single lowest-fee answer across all Payment Gateways use cases, but recent reviewers most often describe Razorpay as a cost-effective choice. According to verified users, they value its zero setup and annual maintenance costs, and several mention that total cost can compare favorably even when headline transaction rates seem higher. G2 reviewers also mention competitive pricing for Authorize.net, lower-cost options with RapidCents, and affordable international payment handling with some PayPal Payments experiences. Fee outcomes vary by transaction type, geography, and volume, so buyers should compare recent reviewer feedback alongside their own payment mix and settlement needs.

**Here are some of the top-rated products on G2:**

- [Razorpay](https://www.g2.com/products/razorpay/reviews) – often cited for zero setup or annual maintenance costs and strong value for subscriptions and growing businesses
- [Authorize.net](https://www.g2.com/products/authorize-net/reviews) – reviewers mention reasonable or competitive costs for online payments and CRM-connected billing
- [RapidCents](https://www.g2.com/products/rapidcents/reviews) – praised for transparent pricing, invoicing, and recurring billing support for small businesses


### Which vendor provides the most secure payment processing?
Based on G2 reviews, PayPal Payments appears most frequently in feedback focused on security in the Payment Gateways category. According to verified users, reviewers consistently mention buyer and seller protection, fraud monitoring, encryption, and the ability to transact without sharing bank or card details broadly. G2 reviewers also describe confidence in its global checkout experience and dispute protection, though some note account reviews or holds can be frustrating. Other products such as Trustpair, Authorize.net, and PhonePe Payment Gateway are also praised for fraud prevention and secure transaction handling, but PayPal Payments has the broadest recent review volume highlighting security-related trust and protection.


### Which vendor offers the fastest payment settlement times?
Based on G2 reviews, there is no universal fastest settlement winner across all Payment Gateways scenarios, but recent reviewers frequently highlight Razorpay, Cashfree, and Square Payments for timely fund movement. According to verified users, Razorpay is praised for on-time settlements and predictable disbursement timing, while Cashfree reviewers mention fast onboarding, instant payouts, and quick settlements. G2 reviewers also mention Square Payments for funds reaching accounts quickly and PayPal Payments for smooth transfers in some use cases, though other PayPal reviewers report delays. Settlement speed appears highly dependent on onboarding status, geography, bank timing, and payment method, so recent feedback suggests matching vendor strengths to your operating region.


### What is the top-rated payment gateway for enterprises?
Based on G2 reviews, PayPal Payments is the most visible recent enterprise-friendly option in this dataset because it has the strongest recent review presence and broad buyer use across invoicing, international payments, subscriptions, and checkout. According to verified users, buyers value its wide acceptance, simple setup, multi-currency support, payment tracking, and familiar experience for clients and customers. G2 reviewers mention that it supports both business and cross-border use cases well, though some note fees, verification friction, and occasional holds. For enterprise teams that prioritize global reach, trusted checkout, and broad usability over niche specialization, recent reviews most often point to PayPal Payments as the top-rated choice.

**Here are some of the top-rated products on G2:**

- [PayPal Payments](https://www.g2.com/products/paypal/reviews) – widely used for invoicing, global payments, subscriptions, and secure checkout across many business scenarios
- [Razorpay](https://www.g2.com/products/razorpay/reviews) – strong fit for high-volume online payments, subscriptions, and settlement visibility with broad payment options
- [Authorize.net](https://www.g2.com/products/authorize-net/reviews) – often used for reliable payment processing, fraud screening, and integrations with websites and CRMs


### What platform provides advanced fraud detection features?
Based on G2 reviews, PayPal Payments is one of the most frequently cited platforms for fraud-related protection in the Payment Gateways category. According to verified users, reviewers mention fraud monitoring, encryption, buyer and seller protection, and security checks that help reduce transaction risk. G2 reviewers also point to Trustpair for bank account ownership validation and fraud prevention in payment workflows, while Authorize.net is noted for fraud screening and risk management on website transactions. For buyers focused on fraud prevention, recent reviews suggest choosing between broad transaction protection from payment platforms like PayPal Payments and more verification-focused tools like Trustpair depending on the payment workflow.


### What is the best payment gateway for global transactions?
Based on G2 reviews, PayPal Payments is the best-supported answer for global transactions in this Payment Gateways dataset. According to verified users, reviewers repeatedly describe it as widely accepted across countries, useful for freelancers and businesses receiving international payments, and convenient for currency conversion and cross-border checkout. G2 reviewers mention that it helps simplify payments from global clients and marketplaces while improving trust during online transactions. Some reviews also note drawbacks such as cross-border fees, conversion costs, and occasional transfer or verification delays. Even with those tradeoffs, recent review volume most strongly supports PayPal Payments for broad international payment reach.

**Here are some of the top-rated products on G2:**

- [PayPal Payments](https://www.g2.com/products/paypal/reviews) – frequently used for international client payments, currency conversion, and globally accepted checkout
- [Payoneer](https://www.g2.com/products/payoneer/reviews) – often used for receiving cross-border payments and withdrawing to local bank accounts
- [cashfree](https://www.g2.com/products/cashfree/reviews) – reviewers mention collecting in many currencies while settling locally for international expansion


### What platform integrates payment gateways with e-commerce stores?
Based on G2 reviews, several products in the Payment Gateways category are used to integrate payments with e-commerce and online selling workflows. According to verified users, PayPal Payments is commonly connected with websites, online marketplaces, and digital service platforms, while Cashfree is specifically praised for Shopify support and tools that help manage ecommerce payment performance. G2 reviewers also mention Authorize.net for website forms, online stores, and CRM-linked billing, and EBizCharge for integration into ERP and application workflows. For buyers prioritizing ecommerce connectivity, recent reviews suggest focusing on the platform that best matches your storefront, reporting needs, and desired checkout experience.


### Which solution supports multiple currencies and payment methods?
Based on G2 reviews, PayPal Payments is the clearest recent answer for supporting multiple currencies and payment flexibility in the Payment Gateways category. According to verified users, reviewers regularly mention receiving and sending money across countries, handling currency conversion, and using the platform with a wide range of websites and online services. G2 reviewers also note that Razorpay supports multiple payment options such as UPI, cards, wallets, and net banking, while BlueSnap and Cashfree are recognized for broad currency and payment method coverage. If your priority is cross-border flexibility plus widely familiar checkout, recent review evidence most strongly supports PayPal Payments.


### What is the most affordable payment gateway for small businesses?
Based on G2 reviews, affordability for small businesses most often comes down to overall operating cost rather than headline rates alone. According to verified users, Razorpay is frequently described as budget-friendly because reviewers mention zero setup or annual maintenance costs and strong value for growing merchants. G2 reviewers also mention RapidCents for transparent pricing and lower-cost billing tools, while Square Payments is praised for accessible invoicing and simple setup for smaller operations. Some reviewers also describe PayPal Payments as affordable in certain use cases, but fees are a recurring concern. Recent review patterns suggest small businesses should prioritize total cost, setup effort, and payment reliability together.

**Here are some of the top-rated products on G2:**

- [Razorpay](https://www.g2.com/products/razorpay/reviews) – often chosen for low fixed costs, easy setup, and broad payment options for smaller merchants
- [RapidCents](https://www.g2.com/products/rapidcents/reviews) – reviewers highlight transparent pricing, invoicing, and straightforward payment tracking
- [Square Payments](https://www.g2.com/products/square-payments/reviews) – valued for easy invoicing, simple setup, and approachable tools for small business payments




## G2 Grid® for Payment Gateways
![G2 Grid® for Payment Gateways plotting products by satisfaction and market presence](https://www.g2.com/categories/payment-gateways/grids.png?focus%5B%5D=1222&focus%5B%5D=100478&focus%5B%5D=83740&focus%5B%5D=92718&focus%5B%5D=83067&focus%5B%5D=61707&focus%5B%5D=1184933&focus%5B%5D=5446)
Highlighted products: PayPal Payments, Apple Pay for merchants, Razorpay, Square Payments, Paytm Business, Stripe Connect, NMI Gateway, and EBizCharge.
Underlying data: [Grid® JSON](https://www.g2.com/categories/payment-gateways/grids.json?focus%5B%5D=paypal&focus%5B%5D=apple-pay-for-merchants&focus%5B%5D=razorpay&focus%5B%5D=square-payments&focus%5B%5D=paytm-business&focus%5B%5D=stripe-connect&focus%5B%5D=nmi-gateway&focus%5B%5D=ebizcharge&segment=small-business)


## How Many Payment Gateways Products Does G2 Track?
**Total Products under this Category:** 353

### Category Stats (Jul 2026)
- **Average Rating**: 4.21/5 (↓0.01 vs Jun 2026) The average rating of products in this category, based on all submitted ratings
- **Top Trending Product**: Adyen Payments (+2.82%) - Among all products in this category, Adyen Payments recorded the largest rating increase compared to last month
*Last updated: July 14, 2026*


## How Does G2 Rank Payment Gateways Products?

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

- 30 Analysts and Data Experts
- 6,900+ Authentic Reviews
- 353+ 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)


---

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---

## What Are the Top-Rated Payment Gateways Products in 2026?
### 1. [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:** 363
**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 (90,750 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/56101/ (3,246 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, 24% Mid-Market


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

**Pros:**

- Ease of Use (27 reviews)
- Easy Payments (16 reviews)
- International Payments (15 reviews)
- Payment Processing (13 reviews)
- Payment Ease (10 reviews)

**Cons:**

- High Fees (20 reviews)
- Poor Customer Support (20 reviews)
- Excessive Fees (18 reviews)
- Payment Issues (14 reviews)
- Account Blocking (10 reviews)


### What Do G2 Reviewers Say About Payoneer?
*AI-generated summary from verified user reviews*

**Pros:**

- Users appreciate the **ease of use** of Payoneer, highlighting fast transfers and convenient account management.
- Users appreciate the **easy payment process** with Payoneer, enjoying fast transactions and low fees for seamless transactions.
- Users value the **reliable international payments** of Payoneer, benefiting from quick withdrawals and local receiving accounts.
- Users appreciate the **easy payment processing** of Payoneer, enjoying quick transfers and convenience for global transactions.
- Users appreciate the **ease of receiving payments** with Payoneer, finding it fast, secure, and user-friendly.

**Cons:**

- Users criticize the **high fees** associated with Payoneer, impacting their overall satisfaction with the platform.
- Users experience **poor customer support** from Payoneer, facing unresolved issues and long wait times for responses.
- Users are frustrated by the **excessive fees** associated with Payoneer, impacting their overall experience with the service.
- Users experience **payment issues** with Payoneer, citing high fees and account closures as major concerns.
- Users experience **account blocking issues** , facing frustration with support responses and restrictive payment conditions.

#### What Are Recent G2 Reviews of Payoneer?

**"[Easy Setup but High Fees](https://www.g2.com/survey_responses/payoneer-review-13038784)"**

**Rating:** 4.0/5.0 stars
*— Ayabonga Zimkhitha N.*

[Read full review](https://www.g2.com/survey_responses/payoneer-review-13038784)

---

**"[Payoneer Makes International Payments Simple, Reliable, and Easy to Manage](https://www.g2.com/survey_responses/payoneer-review-12281413)"**

**Rating:** 5.0/5.0 stars
*— Muzammil M.*

[Read full review](https://www.g2.com/survey_responses/payoneer-review-12281413)

---


#### What Are G2 Users Discussing About Payoneer?

- [What is Payoneer used for?](https://www.g2.com/discussions/payoneer-what-is-payoneer-used-for) - 2 comments
- [How can I use my Payoneer MasterCard for free?](https://www.g2.com/discussions/how-can-i-use-my-payoneer-mastercard-for-free) - 2 comments
- [What is Payoneer used for?](https://www.g2.com/discussions/what-is-payoneer-used-for) - 2 comments, 1 upvote
- [What is Payoneer and how it works?](https://www.g2.com/discussions/what-is-payoneer-and-how-it-works) - 2 comments, 2 upvotes
- [Which countries can use Payoneer?](https://www.g2.com/discussions/which-countries-can-use-payoneer) - 1 comment, 1 upvote

### 2. [Sila](https://www.g2.com/products/sila-inc-sila/reviews)
Sila’s banking-as-a-service platform offers payment APIs and digital wallets for financial products, fintech, Web3, and crypto projects. Sila’s platform processes ACH payments and supports KYC/KYB, banking operations, compliance, storing funds, and ledgering. We are the end-to-end payment platform that makes money programmable.


**Average Rating:** 4.5/5.0
**Total Reviews:** 17
**How Do G2 Users Rate Sila?**

- **Has the product been a good partner in doing business?:** 9.7/10 (Category avg: 8.7/10)
- **Performance and Reliability:** 7.1/10 (Category avg: 8.8/10)
- **Online payment portal:** 0.8/10 (Category avg: 8.5/10)
- **Level 3:** 6.7/10 (Category avg: 7.9/10)

**Who Is the Company Behind Sila?**

- **Seller:** [Sila](https://www.g2.com/sellers/sila-cf1ca13d-68b9-46f0-9cf2-8470257c4017)
- **Year Founded:** 2018
- **HQ Location:** Portland, US
- **Twitter:** @SilaMoney (3,285 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/18837430/ (56 employees on LinkedIn®)

**Who Uses This Product?**
- **Top Industries:** Financial Services
- **Company Size:** 94% Small-Business, 6% Mid-Market



#### What Are Recent G2 Reviews of Sila?

**"[The best B2B experience I've had](https://www.g2.com/survey_responses/sila-review-9576742)"**

**Rating:** 5.0/5.0 stars
*— David W.*

[Read full review](https://www.g2.com/survey_responses/sila-review-9576742)

---

**"[Fantastic Team and Essential Services](https://www.g2.com/survey_responses/sila-review-5282860)"**

**Rating:** 5.0/5.0 stars
*— Seni T.*

[Read full review](https://www.g2.com/survey_responses/sila-review-5282860)

---


#### What Are G2 Users Discussing About Sila?

- [What is Sila used for?](https://www.g2.com/discussions/what-is-sila-used-for)

### 3. [WePay](https://www.g2.com/products/wepay/reviews)
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 company’s mobile point of sale (mPOS) solution allows platforms to seamlessly handle in-person payments in addition to online payments. WePay also offers a wide range of add-ons to support platforms’ specific needs.


**Average Rating:** 3.6/5.0
**Total Reviews:** 62
**How Do G2 Users Rate WePay?**

- **Has the product been a good partner in doing business?:** 7.9/10 (Category avg: 8.7/10)
- **Performance and Reliability:** 8.6/10 (Category avg: 8.8/10)
- **Online payment portal:** 6.3/10 (Category avg: 8.5/10)
- **Level 3:** 5.0/10 (Category avg: 7.9/10)

**Who Is the Company Behind WePay?**

- **Seller:** [JPMorgan Chase](https://www.g2.com/sellers/jpmorgan-chase)
- **HQ Location:** New York, NY
- **Twitter:** @jpmorgan (848,388 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/1068/ (230,372 employees on LinkedIn®)
- **Ownership:** NYSE:JPM
- **Total Revenue (USD mm):** $115,627

**Who Uses This Product?**
- **Top Industries:** Computer Software, Internet
- **Company Size:** 63% Small-Business, 26% Mid-Market



#### What Are Recent G2 Reviews of WePay?

**"[WePay review](https://www.g2.com/survey_responses/wepay-review-7836765)"**

**Rating:** 4.0/5.0 stars
*— Wendy W.*

[Read full review](https://www.g2.com/survey_responses/wepay-review-7836765)

---

**"[Super-fast payment processing system for our global customers](https://www.g2.com/survey_responses/wepay-review-9443820)"**

**Rating:** 5.0/5.0 stars
*— Sid. H B.*

[Read full review](https://www.g2.com/survey_responses/wepay-review-9443820)

---


#### What Are G2 Users Discussing About WePay?

- [What is WePay used for?](https://www.g2.com/discussions/what-is-wepay-used-for) - 3 comments
- [Is WePay a payment gateway?](https://www.g2.com/discussions/is-wepay-a-payment-gateway) - 1 comment
- [Who uses WePay?](https://www.g2.com/discussions/who-uses-wepay) - 1 comment
- [Is WePay safe to use?](https://www.g2.com/discussions/is-wepay-safe-to-use) - 2 comments
- [What is WePay?](https://www.g2.com/discussions/what-is-wepay)

### 4. [MONEI](https://www.g2.com/products/monei/reviews)
MONEI’s payment gateway solution is the choice of many European-based e-commerce companies. Its architecture won Amazon’s AWS Startup Architecture of the Year Program (Iberia region). MONEI simplifies digital payments so online businesses can accept all major and alternative payment methods in a single platform. Its serverless payments solution allows e-commerce merchants to scale and process a high volume of transactions. MONEI’s dynamic pricing model helps users save money. As merchants sell more, their transaction fees decrease. MONEI’s smart routing engine allows for multiple acquirers, decreasing the likelihood of declined transactions and lost sales. Online store owners can quickly and easily plug-in with Shopify, WooCommerce, Wix, and other popular e-commerce platforms or use MONEI’s API and dev documentation to integrate with their custom website. Here's how we help e-commerce businesses: ✅Online payments ✅Customer preferred payment methods — credit cards, digital wallets, and Bizum ✅Multiple acquirers and processors ✅Payment security — PCI DSS compliant, 3D Secure, and tokenization ✅Verified merchants enjoy 1-day payment settlements ✅Easy integration with e-commerce platforms and custom websites with MONEI’s API ✅Real-time sales analytics via your customer dashboard ✅Merchant support for all available MONEI payment methods ✅In-person Bizum payments with MONEI QR


**Average Rating:** 4.5/5.0
**Total Reviews:** 15
**How Do G2 Users Rate MONEI?**

- **Has the product been a good partner in doing business?:** 8.6/10 (Category avg: 8.7/10)
- **Performance and Reliability:** 8.8/10 (Category avg: 8.8/10)
- **Online payment portal:** 8.3/10 (Category avg: 8.5/10)
- **Level 3:** 8.3/10 (Category avg: 7.9/10)

**Who Is the Company Behind MONEI?**

- **Seller:** [MONEI](https://www.g2.com/sellers/monei-cb129a4d-9a39-4bf1-b8c6-bb59fcadd188)
- **Year Founded:** 2015
- **HQ Location:** Barcelona, ES
- **LinkedIn® Page:** https://www.linkedin.com/company/monei-digital-payments/ (23 employees on LinkedIn®)

**Who Uses This Product?**
- **Company Size:** 80% Small-Business, 20% Mid-Market



#### What Are Recent G2 Reviews of MONEI?

**"[Improve Conversion](https://www.g2.com/survey_responses/monei-review-9542388)"**

**Rating:** 5.0/5.0 stars
*— Ricardo M.*

[Read full review](https://www.g2.com/survey_responses/monei-review-9542388)

---

**"[The best payment platform by far](https://www.g2.com/survey_responses/monei-review-6495043)"**

**Rating:** 5.0/5.0 stars
*— Marc M.*

[Read full review](https://www.g2.com/survey_responses/monei-review-6495043)

---



### 5. [REPAY](https://www.g2.com/products/repay-repay/reviews)
REPAY is your full-service payments provider for making and collecting payments. Through our secure all-in-one payments platform trusted by tens of thousands of clients, you can process customer and AR payments, automate outbound AP supplier payments and reduce risk without changing current processes. Our comprehensive payments platform enables clients to benefit from integrated omni-channel payment capabilities to increase cash flow, streamline workflows and reduce time spent by support staff and AP and AR teams. Securely accept customer payments from within your preferred management software 24/7/365, featuring online portal, text pay, mobile app and interactive voice response (IVR) capabilities. Without requiring assistance from you, customers can pay using credit or debit cards, ACH, eCash and digital wallets for a simplified payment experience. If you are collecting AR payments from business customers, take advantage of EMV chip functionality, multi-currency capabilities and Level 3 processing to help lower transaction costs. Additionally, we offer solutions to automate outbound payments to vendors and suppliers to reduce manual effort for AP teams, eliminate paper checks and streamline back-office processes. Featuring end-to-end visibility into the entire AP process, you know the moment a payment is made and when one is collected, all while managing vendor enrollment on your behalf. REPAY is seamlessly integrated with multiple leading business applications. If a prebuilt integration is not available, an API is available to develop a custom integration. Combining payment acceptance and AP automation solutions provides a single source for all reporting so you can spend less time managing and reconciling payments and more time growing your business. Reimagine payments and rediscover efficiency with REPAY. Anytime, Anywhere, Any Way Payments for Businesses and Customers: -Seamless omni-channel payment integrations -Card, ACH/EFT, eCash and Digital Wallets Payments -Tokenized and securely stored card data -PCI-DSS and Vertical-Specific Compliance -Instant Funds Disbursements -Phone/IVR, Mobile App, Text and Online Portal Payments -Rebate-Earning Virtual Cards for AP Payments -EMV chip functionality -Multi-currency capable -Level 3 Processing for B2B transactions-24/7 live US-based support


**Average Rating:** 4.7/5.0
**Total Reviews:** 34
**How Do G2 Users Rate REPAY?**

- **Has the product been a good partner in doing business?:** 9.6/10 (Category avg: 8.7/10)
- **Performance and Reliability:** 8.7/10 (Category avg: 8.8/10)
- **Online payment portal:** 8.6/10 (Category avg: 8.5/10)
- **Level 3:** 9.8/10 (Category avg: 7.9/10)

**Who Is the Company Behind REPAY?**

- **Seller:** [Repay](https://www.g2.com/sellers/repay)
- **HQ Location:** Atlanta, US
- **LinkedIn® Page:** https://www.linkedin.com/company/repay---realtime-electronic-payments/ (545 employees on LinkedIn®)
- **Ownership:** NASDAQ: RPAY

**Who Uses This Product?**
- **Top Industries:** Financial Services
- **Company Size:** 63% Small-Business, 34% Mid-Market


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

**Pros:**

- Detailed Information (1 reviews)
- Documentation (1 reviews)
- Ease of Use (1 reviews)
- Helpful (1 reviews)

**Cons:**

- Payment Issues (1 reviews)
- Poor Customer Support (1 reviews)


### What Do G2 Reviewers Say About REPAY?
*AI-generated summary from verified user reviews*

**Pros:**

- Users find REPAY **easy to understand** and appreciate having all the necessary information readily available.
- Users find the **documentation easy to understand** and always informative, meeting their needs effectively.
- Users appreciate the **ease of use** of REPAY, finding it informative and easy to understand at all times.
- Users appreciate the **helpful information** provided by REPAY, ensuring clarity and accessibility whenever needed.

**Cons:**

- Users seek faster updates from customer service regarding **payment issues** , including the inability to cancel scheduled payments.
- Users are frustrated by **poor customer support** , particularly in receiving timely updates and managing payment changes.

#### What Are Recent G2 Reviews of REPAY?

**"[Good system, can improve](https://www.g2.com/survey_responses/repay-review-11718632)"**

**Rating:** 4.5/5.0 stars
*— Javier G.*

[Read full review](https://www.g2.com/survey_responses/repay-review-11718632)

---

**"[The best service you can get in processing](https://www.g2.com/survey_responses/repay-review-7024509)"**

**Rating:** 5.0/5.0 stars
*— Verified User in Banking*

[Read full review](https://www.g2.com/survey_responses/repay-review-7024509)

---



### 6. [Zaakpay](https://www.g2.com/products/zaakpay/reviews)
Instantly start accepting payments for your online business


**Average Rating:** 3.8/5.0
**Total Reviews:** 17
**How Do G2 Users Rate Zaakpay?**

- **Has the product been a good partner in doing business?:** 9.2/10 (Category avg: 8.7/10)
- **Performance and Reliability:** 7.4/10 (Category avg: 8.8/10)
- **Online payment portal:** 8.5/10 (Category avg: 8.5/10)
- **Level 3:** 6.7/10 (Category avg: 7.9/10)

**Who Is the Company Behind Zaakpay?**

- **Seller:** [MobiKwik System Pvt](https://www.g2.com/sellers/mobikwik-system-pvt)
- **Year Founded:** 2009
- **HQ Location:** Gurugram, Haryana
- **LinkedIn® Page:** https://www.linkedin.com/company/mobikwik (1,550 employees on LinkedIn®)

**Who Uses This Product?**
- **Top Industries:** Financial Services
- **Company Size:** 71% Small-Business, 24% Mid-Market



#### What Are Recent G2 Reviews of Zaakpay?

**"[One of the best secure & fastest growing paymnet gateway provider in India](https://www.g2.com/survey_responses/zaakpay-review-6516740)"**

**Rating:** 4.5/5.0 stars
*— Tejas H.*

[Read full review](https://www.g2.com/survey_responses/zaakpay-review-6516740)

---

**"[Simplified & Secure Payment gateway.](https://www.g2.com/survey_responses/zaakpay-review-7482140)"**

**Rating:** 4.5/5.0 stars
*— Divyansh S.*

[Read full review](https://www.g2.com/survey_responses/zaakpay-review-7482140)

---


#### What Are G2 Users Discussing About Zaakpay?

- [What is meant by Zaakpay?](https://www.g2.com/discussions/what-is-meant-by-zaakpay)
- [Is Zaakpay and MobiKwik same?](https://www.g2.com/discussions/is-zaakpay-and-mobikwik-same)
- [Is Zaakpay safe?](https://www.g2.com/discussions/is-zaakpay-safe)

### 7. [Worldpay](https://www.g2.com/products/worldpay/reviews)
Worldpay unleashes the potential of every business. We do this through our ability to power global commerce by providing exceptional payments technology and expertise to our clients everywhere. Our processing solutions allow businesses of all sizes to take, make and manage payments in-person and online all over the world. Annually, we process over 50 billion transactions worth more than $2.3 trillion across 146 countries and in 135 currencies. To learn more about us, visit worldpay.com


**Average Rating:** 2.9/5.0
**Total Reviews:** 42
**How Do G2 Users Rate Worldpay?**

- **Has the product been a good partner in doing business?:** 6.5/10 (Category avg: 8.7/10)
- **Performance and Reliability:** 7.6/10 (Category avg: 8.8/10)
- **Online payment portal:** 1.4/10 (Category avg: 8.5/10)
- **Level 3:** 1.9/10 (Category avg: 7.9/10)

**Who Is the Company Behind Worldpay?**

- **Seller:** [Global Payments](https://www.g2.com/sellers/global-payments)
- **Year Founded:** 1967
- **HQ Location:** Atlanta, US
- **Twitter:** @GlobalPayInc (6,042 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/global-payments/ (25,141 employees on LinkedIn®)
- **Ownership:** NYSE:GPN

**Who Uses This Product?**
- **Company Size:** 74% Small-Business, 14% Mid-Market


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

**Pros:**

- Payment Processing (2 reviews)
- Ease of Use (1 reviews)
- Easy Payments (1 reviews)
- Features (1 reviews)
- Reliability (1 reviews)

**Cons:**

- Account Blocking (3 reviews)
- Billing Issues (3 reviews)
- Poor Customer Support (3 reviews)
- Excessive Fees (2 reviews)
- Funds Holding (2 reviews)


### What Do G2 Reviewers Say About Worldpay?
*AI-generated summary from verified user reviews*

**Pros:**

- Users appreciate the **reliable payment processing** of Worldpay, benefiting from straightforward terminal hardware and timely settlements.
- Users appreciate the **ease of use** of Worldpay, finding payments easy to search by date and time.
- Users appreciate the **easy payments** feature in Worldpay, allowing seamless searching by date and time.
- Users appreciate the **easy payment search** feature of Worldpay, thanks to its date and time display.
- Users note the **consistent reliability** of Worldpay for routine operations, despite challenges in crisis situations.

**Cons:**

- Users express frustration over **account blocking** , citing withheld funds and unresponsive customer support during critical situations.
- Users report **billing issues** with Worldpay, citing hidden fees and poor customer service responses.
- Users consistently report **poor customer support** , with ignored emails and unhelpful responses during crucial situations.
- Users are frustrated by the **excessive fees** charged by Worldpay, which often exceed initial processing rates.
- Users warn of **funds withholding** and lack of accountability from Worldpay, leading to a frustrating and untrustworthy experience.

#### What Are Recent G2 Reviews of Worldpay?

**"[Easy to use](https://www.g2.com/survey_responses/worldpay-review-10900644)"**

**Rating:** 4.5/5.0 stars
*— Cardi G.*

[Read full review](https://www.g2.com/survey_responses/worldpay-review-10900644)

---

**"[very happy with integrations](https://www.g2.com/survey_responses/worldpay-review-5443236)"**

**Rating:** 5.0/5.0 stars
*— Verified User in Hospital & Health Care*

[Read full review](https://www.g2.com/survey_responses/worldpay-review-5443236)

---


#### What Are G2 Users Discussing About Worldpay?

- [What is Worldpay from FIS used for?](https://www.g2.com/discussions/what-is-worldpay-from-fis-used-for)

### 8. [PayPay](https://www.g2.com/products/paypay/reviews)
A PayPay é uma instituição de pagamentos autorizada e registada no Banco de Portugal sob o nº 8710. Permite facilitar ao máximo a forma como as empresas emitem e recebem os pagamentos dos seus clientes, que podem ser processados por Cartão de crédito/débito, Multibanco e MB WAY. Pretendemos disponibilizar as ferramentas certas para emitir e gerir pagamentos, ao tornar todo o processo mais simples e rápido, não esquecendo a experiência de compra que é obtida pelos seus clientes. Queremos que todos os empresários e empreendedores reconheçam na PayPay um intermediário essencial ao seu plano estratégico, adaptado aos desafios digitais e impulsionador de desenvolvimento económico.


**Average Rating:** 4.5/5.0
**Total Reviews:** 47
**How Do G2 Users Rate PayPay?**

- **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:** 8.8/10 (Category avg: 8.5/10)
- **Level 3:** 7.9/10 (Category avg: 7.9/10)

**Who Is the Company Behind PayPay?**

- **Seller:** [ACIN _ iCloud Solutions](https://www.g2.com/sellers/acin-_-icloud-solutions)
- **Year Founded:** 1994
- **HQ Location:** Ribeira Brava, PT
- **LinkedIn® Page:** https://linkedin.com/company/acin (232 employees on LinkedIn®)

**Who Uses This Product?**
- **Top Industries:** Accounting, Information Technology and Services
- **Company Size:** 77% Small-Business, 15% Mid-Market


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

**Pros:**

- Convenience (1 reviews)
- Ease of Use (1 reviews)
- Payment Ease (1 reviews)
- Setup Ease (1 reviews)
- Speed (1 reviews)

**Cons:**

- Poor Usability (1 reviews)
- Slow Verification (1 reviews)


### What Do G2 Reviewers Say About PayPay?
*AI-generated summary from verified user reviews*

**Pros:**

- Users praise the **convenience** of PayPay for effortless everyday payments and its wide acceptance at many stores.
- Users find PayPay to be **extremely convenient and easy to use** , enhancing everyday payment experiences effortlessly.
- Users appreciate the **payment ease** of PayPay, highlighting its quick setup and wide acceptance for smooth transactions.
- Users find **PayPay's setup ease** exceptional, enjoying its quick app setup and user-friendly interface for payments.
- Users appreciate the **fast payment processing** of PayPay, finding it convenient for everyday transactions.

**Cons:**

- Users find the **poor usability** of PayPay frustrating due to overwhelming features and unclear guidance during verifications.
- Users find the **slow verification** process frustrating, wishing for quicker and clearer guidance during account checks.

#### What Are Recent G2 Reviews of PayPay?

**"[paypay](https://www.g2.com/survey_responses/paypay-review-9860808)"**

**Rating:** 5.0/5.0 stars
*— Ushmitha R.*

[Read full review](https://www.g2.com/survey_responses/paypay-review-9860808)

---

**"[Fast, convenient, and secure cashless payments for everyday use](https://www.g2.com/survey_responses/paypay-review-12229618)"**

**Rating:** 4.5/5.0 stars
*— A.H K.*

[Read full review](https://www.g2.com/survey_responses/paypay-review-12229618)

---



### 9. [BlueSnap](https://www.g2.com/products/bluesnap/reviews)
BlueSnap is a Global Payment Orchestration Platform designed to help businesses accept payments seamlessly across the globe. This comprehensive solution simplifies the complexities associated with payment processing, enabling companies to manage the entire payment lifecycle from initiation to completion. By streamlining this process, BlueSnap aims to enhance revenue generation while simultaneously reducing operational costs. The platform caters to a diverse range of businesses, including e-commerce retailers, subscription services, and marketplaces, as well as those requiring manual order processing through a virtual terminal. With support for multiple sales channels—such as online and mobile sales—BlueSnap allows businesses to adapt to the evolving landscape of buyer preferences. Organizations seeking to integrate payments directly into their platforms can benefit from BlueSnap's white-labeled solutions, which include automated underwriting and onboarding. One of the standout features of BlueSnap is its capability to facilitate global sales through a single integration and contract. This functionality empowers businesses to sell worldwide with local card acquiring in 50 countries, offering various global currencies and payment types that cater to customer preferences, including popular eWallets. This flexibility ensures that businesses can meet the diverse needs of buyers across different regions. Additionally, BlueSnap incorporates automated accounts receivable, robust fraud protection, and chargeback management, enabling businesses to operate securely and efficiently while minimizing risks. Beyond payment processing, BlueSnap also addresses regulatory and tax compliance needs, which can be particularly challenging for businesses operating in multiple jurisdictions. The platform provides unified global reporting, allowing businesses to gain valuable insights into their payment performance and make informed decisions to drive growth. With headquarters in Waltham, MA, and Dublin, Ireland, BlueSnap is supported by prominent private equity investors, ensuring a strong foundation for continued innovation and service excellence. This combination of features and support positions BlueSnap as a comprehensive solution for businesses looking to navigate the complexities of global payment processing.


**Average Rating:** 4.1/5.0
**Total Reviews:** 103
**How Do G2 Users Rate BlueSnap?**

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

**Who Is the Company Behind BlueSnap?**

- **Seller:** [BlueSnap](https://www.g2.com/sellers/bluesnap)
- **Company Website:** https://www.bluesnap.com/
- **Year Founded:** 2001
- **HQ Location:** Boston, MA
- **Twitter:** @BlueSnapInc (2,163 Twitter followers)
- **LinkedIn® Page:** https://www.linkedin.com/company/52768/ (157 employees on LinkedIn®)

**Who Uses This Product?**
- **Who Uses This:** CEO
- **Top Industries:** Computer Software, Information Technology and Services
- **Company Size:** 57% Small-Business, 38% Mid-Market


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

**Pros:**

- Customer Support (3 reviews)
- Ease of Use (3 reviews)
- Reliability (3 reviews)
- Reporting (3 reviews)
- International Payments (2 reviews)

**Cons:**

- Limited International Support (2 reviews)
- Slow Performance (2 reviews)
- Access Limitations (1 reviews)
- Complex Implementation (1 reviews)
- Currency Exchange Issues (1 reviews)


### What Do G2 Reviewers Say About BlueSnap?
*AI-generated summary from verified user reviews*

**Pros:**

- Users value the **dedicated account management and responsive technical support** from BlueSnap, enhancing overall service quality.
- Users find BlueSnap's **user-friendly interface** and robust support enhance their overall experience significantly.
- Users praise BlueSnap for its **reliable payments** and excellent support, making it a strong choice for businesses.
- Users value the **excellent reporting and tracking** features of BlueSnap, enhancing their ability to manage payments effectively.
- Users value the **extensive international payment support** from BlueSnap, ensuring seamless transactions across multiple currencies and methods.

**Cons:**

- Users face **limited international support** with BlueSnap, facing restrictions on markets and currency payouts.
- Users report **slow performance** of BlueSnap, noting it hinders their overall experience and efficiency.
- Users face **access limitations** on payouts in different currencies, wishing for more flexibility without transaction volume restrictions.
- Users find the **complex implementation** challenging, especially those lacking technical expertise or e-commerce experience.
- Users face **currency exchange issues** , as payout restrictions complicate receiving funds in the original transaction currency.

#### What Are Recent G2 Reviews of BlueSnap?

**"[A solid Shortcut for Global Payments and Subscriptions](https://www.g2.com/survey_responses/bluesnap-review-11908262)"**

**Rating:** 4.5/5.0 stars
*— Saurav G.*

[Read full review](https://www.g2.com/survey_responses/bluesnap-review-11908262)

---

**"[Above & Beyond Comprehensive Service & Support](https://www.g2.com/survey_responses/bluesnap-review-10467394)"**

**Rating:** 5.0/5.0 stars
*— Verified User in Legal Services*

[Read full review](https://www.g2.com/survey_responses/bluesnap-review-10467394)

---


#### What Are G2 Users Discussing About BlueSnap?

- [What are the benefits and drawbacks of using BlueSnap for global payment processing?](https://www.g2.com/discussions/what-are-the-benefits-and-drawbacks-of-using-bluesnap-for-global-payment-processing)
- [What is BlueSnap used for?](https://www.g2.com/discussions/what-is-bluesnap-used-for)
- [What is BlueSnap charge?](https://www.g2.com/discussions/what-is-bluesnap-charge)
- [Who uses BlueSnap?](https://www.g2.com/discussions/who-uses-bluesnap)
- [Is BlueSnap legitimate?](https://www.g2.com/discussions/is-bluesnap-legitimate) - 1 comment

### 10. [Shift Payment](https://www.g2.com/products/shift-4/reviews)
Shift4 (NYSE: FOUR) is boldly redefining commerce by simplifying complex payments ecosystems across the world. As the leader in commerce-enabling technology, Shift4 powers billions of transactions annually for hundreds of thousands of businesses in virtually every industry.


**Average Rating:** 3.2/5.0
**Total Reviews:** 22
**How Do G2 Users Rate Shift Payment?**

- **Has the product been a good partner in doing business?:** 5.9/10 (Category avg: 8.7/10)
- **Performance and Reliability:** 7.7/10 (Category avg: 8.8/10)
- **Online payment portal:** 6.0/10 (Category avg: 8.5/10)
- **Level 3:** 3.3/10 (Category avg: 7.9/10)

**Who Is the Company Behind Shift Payment?**

- **Seller:** [Shift4](https://www.g2.com/sellers/shift4-7215f5c3-556d-4243-9e79-393ef57309d2)
- **HQ Location:** Center Valley, Pennsylvania
- **LinkedIn® Page:** https://www.linkedin.com/company/shift4/ (2,520 employees on LinkedIn®)

**Who Uses This Product?**
- **Company Size:** 65% Small-Business, 35% Mid-Market


#### What Are Shift Payment's Pros and Cons?

**Pros:**

- Affordable (1 reviews)

**Cons:**

- Excessive Fees (1 reviews)
- High Fees (1 reviews)


### What Do G2 Reviewers Say About Shift Payment?
*AI-generated summary from verified user reviews*

**Pros:**

- Users appreciate the **affordable rates** of Shift Payment, making it an attractive option for cost-conscious individuals.

**Cons:**

- Users report facing **excessive cancellation fees** due to undisclosed contracts, leading to frustration with Shift Payment.
- Users express frustration over **high fees** associated with early termination, feeling misled about contract terms upon cancellation.

#### What Are Recent G2 Reviews of Shift Payment?

**"[Great Service, saved our business after Stripe deactivated us.](https://www.g2.com/survey_responses/shift-payment-review-4675560)"**

**Rating:** 5.0/5.0 stars
*— Verified User in Information Technology and Services*

[Read full review](https://www.g2.com/survey_responses/shift-payment-review-4675560)

---

**"[Great professionals](https://www.g2.com/survey_responses/shift-payment-review-5323921)"**

**Rating:** 4.0/5.0 stars
*— Verified User in Computer Software*

[Read full review](https://www.g2.com/survey_responses/shift-payment-review-5323921)

---


#### What Are G2 Users Discussing About Shift Payment?

- [Is Shift4 a good company?](https://www.g2.com/discussions/is-shift4-a-good-company)
- [Is Shift4 a gateway or processor?](https://www.g2.com/discussions/is-shift4-a-gateway-or-processor)
- [Is Shift4 a payment gateway?](https://www.g2.com/discussions/is-shift4-a-payment-gateway)
- [What does the company Shift4 do?](https://www.g2.com/discussions/what-does-the-company-shift4-do)


## 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.