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, 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.

Page 3 | Best Payment Gateways: User Reviews from September 2026

Skrill

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: 8.5/10)
Performance and Reliability: 7.6/10 (Category avg: 8.8/10)
Self Service 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
Year Founded: 1996
HQ Location: London, United Kingdom
Twitter: @Paysafe
12,530 Twitter followers
LinkedIn® Page: www.linkedin.com
3,537 employees on LinkedIn®
Ownership: LON:PAYS

Who Uses This Product?

Top Industries: Internet, Information Technology and Services
Company Size: 68% Small, 24% Large

What Do G2 Reviewers Say About Skrill?

AI-generated summary from verified user reviews

Pros

Users love the efficiency of Skrill, finding it the best money application they've ever used.

Cons

Users report frustrations with Skrill, highlighting account blocking and withdrawal issues as significant barriers to access and trust.
Users report financial mismanagement with Skrill, including unauthorized money theft and inaccessible accounts, leading to frustration.
Users express frustration with Skrill's poor customer support, reporting difficulties in accessing accounts and resolving issues.

What Are Recent G2 Reviews of Skrill?

"skill is good for currency exchange"

Rating: 5.0/5.0 stars

— tsiloane m.

Best Payment Gateways - Page 3

How Many Payment Gateways Products Does G2 Track?

Category Stats (Sep 2026)

How Does G2 Rank Payment Gateways Products?

G2 Grid® for Payment Gateways

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