# Best Payment Gateways - Page 9 *By [Subhransu Sahu](https://research.g2.com/insights/author/subhransu-sahu)* Payment gateways automate the payment transaction process between shoppers and merchants, securely transmitting transaction information to banks. E-commerce businesses depend on [payment gateways](https://www.g2.com/glossary/payment-gateway-definition) to ensure that payment information is passed securely from the customer to the merchant and payment processor. This type of software is used by e-commerce managers to accept payments on multiple channels and by finance professionals to track payment performance. This type of software should not be confused with [payment processing software](https://www.g2.com/categories/payment-processing), which focuses on business to business (B2B) payments. Payment gateways integrate with [e-commerce platforms](https://www.g2.com/categories/e-commerce-platforms), [shopping cart software](https://www.g2.com/categories/shopping-cart), and [subscription management software](https://www.g2.com/categories/subscription-management) to process payments for the goods and services sold using these solutions. To qualify for inclusion in the Payment Gateways category, a product must: - Accept online payments from credit and debit cards, mobile wallets, or BNPL services - Connect the e-commerce website to a payment processor for online transactions - Transmit payment information securely from buyers to payment processors - Support business to consumer (B2C) and B2B payments - Integrate with financial systems and retail point of sale (POS) solutions - Support multiple use cases such as e-commerce, POS, or cross-border transactions ## How Many Payment Gateways Products Does G2 Track? **Total Products under this Category:** 351 ### Category Stats (May 2026) - **Average Rating**: 4.22/5 (↑0.01 vs Apr 2026) - **New Reviews This Quarter**: 158 - **Buyer Segments**: Small-Business 67% │ Mid-Market 23% │ Enterprise 11% - **Top Trending Product**: PayMart (+0.5) *Last updated: May 31, 2026* ## 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? - **Leader:** [PayPal Payments](https://www.g2.com/products/paypal/reviews) - **Highest Performer:** [NMI Gateway](https://www.g2.com/products/nmi-gateway/reviews) - **Easiest to Use:** [PayPal Payments](https://www.g2.com/products/paypal/reviews) - **Top Trending:** [Borderless AI](https://www.g2.com/products/borderless-ai/reviews) - **Best Free Software:** [HitPay](https://www.g2.com/products/hitpay/reviews) --- **Sponsored** ### Merchanto We help businesses automatically prevent chargebacks and fraud, secure merchant accounts, and recover funds. [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=1392706&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=8a986ac4c7d1f53e80cb8f6c8164663781d4ed5e790ab1f4f0bd09956bfc917d&secure%5Burl%5D=https%3A%2F%2Fmerchanto.org%2F%3Futm_source%3Dg2%26utm_medium%3Dcpc%26utm_campaign%3Dwidget%26utm_id%3D2&secure%5Burl_type%5D=custom_url) --- ## What Are the Top-Rated Payment Gateways Products in 2026? ### 1. [eWay](https://www.g2.com/products/eway-eway/reviews) eWAY is a payment gateway, allowing businesses to accept secure credit card payments 24/7 from customers around the world. **Average Rating:** 3.5/5.0 **Total Reviews:** 1 **Who Is the Company Behind eWay?** - **Seller:** [eWAY](https://www.g2.com/sellers/eway) - **Year Founded:** 1998 - **HQ Location:** Bowen Hills, AU - **LinkedIn® Page:** https://www.linkedin.com/company/eway_2 (65 employees on LinkedIn®) **Who Uses This Product?** - **Company Size:** 100% Small-Business ### 2. [Exactly.com](https://www.g2.com/products/exactly-com/reviews) The main drive of Exactly payment system is to be an ideal financial instrument, focused on exactly your payment needs **Who Is the Company Behind Exactly.com?** - **Seller:** [Exactly](https://www.g2.com/sellers/exactly) - **Year Founded:** 2019 - **HQ Location:** St Albans, GB - **LinkedIn® Page:** https://www.linkedin.com/company/exactlycom (50 employees on LinkedIn®) ### 3. [Exact Payments](https://www.g2.com/products/exact-payments/reviews) Exact Payments is an expert in embedded payment solutions, enabling SaaS businesses to monetize payments through its turnkey PayFac-as-a-Service solution. Exact handles the heavy lifting of payment operations so software businesses can grow their revenue and valuation while improving product stickiness and customer satisfaction. Today the company processes \>1 billion transactions and $130bn+ in annual payment volume for prominent customers, including Fiserv, Ordway, Cineplex, Allianz, Levi’s, and Carfax. Exact’s leadership team is a group of payments industry veterans who came together based on a shared vision for building payment technology which propels digital commerce for clients and partners. At the foundation of our strategy is the belief that payments seamlessly integrated into software platforms enables the creation of new and better customer buying experiences. Starting with our open developer portal, full-stack sandbox environment, and 24/7 technical support team of experienced engineers with deep product knowledge, Exact is committed to delivering fully on each client’s expectations and vision for their own business. Our investors are led by Platform Partners LLC, a private holding company headquartered in Houston, TX. The company completed a recent investment round in November 2020 with Platform taking the lead position. With this latest investment, Rahul Gupta agreed to join the board, serving as its chairman. Rahul is a widely respected leader in financial services technology, having served in senior executive roles throughout his distinguished career, including most recently at RevSpring and Fiserv. **Who Is the Company Behind Exact Payments?** - **Seller:** [Exact Payments](https://www.g2.com/sellers/exact-payments) - **Year Founded:** 1999 - **HQ Location:** Scottsdale, US - **LinkedIn® Page:** https://www.linkedin.com/company/exactpayments (16 employees on LinkedIn®) ### 4. [Fatora](https://www.g2.com/products/fatora/reviews) all-in-one tool to take your business online, it provides you with online store & online payment **Who Is the Company Behind Fatora?** - **Seller:** [Fatora](https://www.g2.com/sellers/fatora) - **Year Founded:** 2017 - **HQ Location:** Doha, QA - **LinkedIn® Page:** https://www.linkedin.com/company/fatoraio (16 employees on LinkedIn®) ### 5. [Finical](https://www.g2.com/products/finical/reviews) Finical, Inc is a leading provider of card processing services and merchant solutions to traditional and online businesses throughout the nation. Finical is registered with Visa and MasterCard and is sponsored by Wells Fargo Bank. In the merchant services industry, there is a wide range of electronic payment systems for businesses to choose from, and Finical proudly provides just about all of them. They include the ability for merchants to accept major credit cards such as Visa, MasterCard, Discover, American Express, JCB, and Debit cards. We are committed to helping our merchants increase their revenue by offering their customers various payment options. Finical also offers gift cards, loyalty cards, short term business loans, and the very popular cash discount and surcharge program, which enables businesses to eliminate up to 100% of their credit card processing fees. Finical’s goal is to always be ahead of its competition by providing not just money saving solutions to its merchants, but also providing services that will help its merchants increase their revenue. **Who Is the Company Behind Finical?** - **Seller:** [Finical](https://www.g2.com/sellers/finical) - **Year Founded:** 2012 - **HQ Location:** Dallas, US - **LinkedIn® Page:** https://www.linkedin.com/company/finicalllc (42 employees on LinkedIn®) ### 6. [Finix](https://www.g2.com/products/finix/reviews) From startups to publicly traded companies, Finix’s end-to-end platform equips you with all the tools you need to process online, in-person and mobile payments. With thousands of payment configurations possible, and 99.999% uptime, Finix is rewriting the payments industry one API at a time to lower barriers to entry, drive competition, and make the ecosystem more equitable and accessible. Engineered to support the most complex payments use cases and be configurable to your unique business needs, innovative companies of all sizes Finix’s our flexible, enterprise-grade technology to deliver seamless payment experiences and drive revenue growth. **Who Is the Company Behind Finix?** - **Seller:** [Finix](https://www.g2.com/sellers/finix-4fe6c8c1-eff9-4be5-8541-f3b47cd33dd2) - **Year Founded:** 2015 - **HQ Location:** San Francisco, US - **LinkedIn® Page:** https://www.linkedin.com/company/finix-payments (295 employees on LinkedIn®) ### 7. [FinOn Payment Solutions](https://www.g2.com/products/finon-payment-solutions/reviews) FinOn is a Dubai-based technology provider specializing in next-generation digital payment solutions and services for Banks, PSPs, Card Processors, and large merchants. We provide White Label Payment Gateway for card and A2A instant payments, 3D Secure Server with iOS and Android SDKs; 3D Secure ACS, and Payment Gateway as a Service. **Who Is the Company Behind FinOn Payment Solutions?** - **Seller:** [FinOn](https://www.g2.com/sellers/finon) - **HQ Location:** Dubai, AE - **LinkedIn® Page:** https://www.linkedin.com/company/finontech (12 employees on LinkedIn®) ### 8. [First Atlantic Commerce](https://www.g2.com/products/first-atlantic-commerce/reviews) cGate SecureRisk consists of a suite of services including North American Address Verification Services (AVS), Card Verification match checks (CVV2/CVC2), AMEX CID match checks, worldwide 3D Secure solutions, IP Geolocation and Geocompliance services and the company's newest product, cGate Validate a unique Card Account Confirmation service that enables banks and businesses to validate the consumer is in possession of both the physical card, and the monthly billing statement, when an online account is established. **Average Rating:** 4.8/5.0 **Total Reviews:** 3 **How Do G2 Users Rate First Atlantic Commerce?** - **Has the product been a good partner in doing business?:** 10.0/10 (Category avg: 8.7/10) - **Online payment portal:** 9.4/10 (Category avg: 8.5/10) - **Level 3:** 9.4/10 (Category avg: 7.9/10) **Who Is the Company Behind First Atlantic Commerce?** - **Seller:** [First Atlantic Commerce](https://www.g2.com/sellers/first-atlantic-commerce) - **Year Founded:** 1998 - **HQ Location:** Hamilton, BM - **Twitter:** @FACBermuda (644 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/powertranzbm/ (20 employees on LinkedIn®) **Who Uses This Product?** - **Company Size:** 100% Small-Business, 33% Mid-Market ### 9. [First Data POLCARD](https://www.g2.com/products/first-data-polcard/reviews) Get to know the First Data Polcard solution and see how easy it is to integrate with us. **Who Is the Company Behind First Data POLCARD?** - **Seller:** [Fiserv](https://www.g2.com/sellers/fiserv) - **Year Founded:** 1984 - **HQ Location:** Milwaukee, US - **Twitter:** @Fiserv (26,431 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/3364/ (33,059 employees on LinkedIn®) - **Ownership:** BMV:FISV ### 10. [FMPay](https://www.g2.com/products/fmpay/reviews) We want to make our services clear and straightforward. That is why FMPay has created an acquiring platform where merchants can sign up quickly and start integration, where everything works perfectly right out of the box. Beneath this, however, you can find a powerful toolkit that allows merchants to adjust almost anything to their needs. You can fine-tune your payment page, set up limits and anti-fraud rules, view detailed descriptions of each declined transaction, as well as generate analytical and accounting reports. **Who Is the Company Behind FMPay?** - **Seller:** [FM FINANCE LTD](https://www.g2.com/sellers/fm-finance-ltd) - **Year Founded:** 2018 - **HQ Location:** Cheltenham, GB - **LinkedIn® Page:** https://www.linkedin.com/company/fmpay (10 employees on LinkedIn®) ### 11. [Fondy](https://www.g2.com/products/fondy/reviews) Fondy is a UK-based financial platform that helps businesses across the UK and Europe manage their finances and accept payments from customers around the world. The platform offers two core products: 1. Business Account An online business account built for global teams. Companies can create unlimited wallets and IBANs in GBP, EUR, and USD to send, receive, and manage money — all in one place. Fondy’s business account supports instant access to funds, fast international payments, and seamless control over multi-currency operations. Trusted under UK financial regulations, it’s designed for safety, speed, and flexibility. 2. Accept Payments Fondy enables businesses to accept payments globally through cards, digital wallets, and local payment methods. With a customizable checkout, support for recurring billing, and advanced fraud protection, companies can easily collect payments online and grow across international markets. Fondy brings together modern infrastructure, regulatory trust, and global reach helping businesses operate efficiently, securely, and without borders. **Who Is the Company Behind Fondy?** - **Seller:** [FONDY](https://www.g2.com/sellers/fondy) - **Year Founded:** 2014 - **HQ Location:** London, GB - **LinkedIn® Page:** https://www.linkedin.com/company/fondy/ (46 employees on LinkedIn®) ### 12. [Fortumo](https://www.g2.com/products/fortumo/reviews) Fortumo is a mobile payment provider enabling apps and game developers to monetize their users through mobile operator billing. **Who Is the Company Behind Fortumo?** - **Seller:** [Fortumo](https://www.g2.com/sellers/fortumo) - **Year Founded:** 2008 - **HQ Location:** San Francisco, California, United States - **LinkedIn® Page:** https://www.linkedin.com/company/boku-inc/ (691 employees on LinkedIn®) ### 13. [Forward](https://www.g2.com/products/forward-2024-06-14/reviews) Payment facilitation software and services platform built by software creators, enabling software creators to 2x-3x their revenue by embedding payments. **Who Is the Company Behind Forward?** - **Seller:** [Forward](https://www.g2.com/sellers/forward-12ab2475-65ba-4ce5-8682-7fa72957c3e6) - **HQ Location:** N/A - **LinkedIn® Page:** https://www.linkedin.com/company/No-Linkedin-Presence-Added-Intentionally-By-DataOps (1 employees on LinkedIn®) ### 14. [Frstpay](https://www.g2.com/products/frstpay/reviews) FrstPay gives easy to use interface and robust UI with the speedy, updated, fin-tech and highly secured payment gateway. Uninterrupted, paced up and innovative solution is what we offer. Our online payment solution provides access to all the payment modes including debit card/credit card, UPI, net banking, wallets and so on. **Who Is the Company Behind Frstpay?** - **Seller:** [FRSTPAY.COM](https://www.g2.com/sellers/frstpay-com) - **Year Founded:** 2020 - **HQ Location:** Gurgaon, IN - **LinkedIn® Page:** https://www.linkedin.com/company/frstpay (2 employees on LinkedIn®) ### 15. [Fusebox](https://www.g2.com/products/elavon-fusebox/reviews) Elavon's robust, secure and scalable processing platform allows for efficient technology and compliance changes and provides advanced domestic, inter-regional and international credit card processing with convenient multi-currency options. **Who Is the Company Behind Fusebox?** - **Seller:** [Elavon](https://www.g2.com/sellers/elavon) - **Year Founded:** 1991 - **HQ Location:** Atlanta, GA - **Twitter:** @elavon (2,636 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/280729/ (4,360 employees on LinkedIn®) - **Ownership:** Public ### 16. [GeoPagos](https://www.g2.com/products/geopagos/reviews) We are the infrastructure for payments acceptance in Latin America, that transform the shopping experience of millions of people, combining the best global technologies with regional knowledge. We are present in 15 countries of Latina America where we facilitate more than 150 million annual transactions with a processed volume of more than USD 5 billion per year. **Who Is the Company Behind GeoPagos?** - **Seller:** [GeoPagos](https://www.g2.com/sellers/geopagos) - **Year Founded:** 2013 - **HQ Location:** Buenos Aires, AR - **LinkedIn® Page:** https://www.linkedin.com/company/2708316 (235 employees on LinkedIn®) ### 17. [Geoswift](https://www.g2.com/products/geoswift-geoswift/reviews) Geoswift is an innovative payment technology company, always at the frontier of connecting payments in and out of China. Comprises the world’s leading payment technology experts that have a deep understanding of the industry, technology, China monetary policy and global regulatory landscape. Geoswift provides clients with customized one-stop cross-border payment solutions to and from China. **Who Is the Company Behind Geoswift?** - **Seller:** [Geoswift](https://www.g2.com/sellers/geoswift) - **Year Founded:** 2010 - **HQ Location:** Kowloon, HK - **Twitter:** @GeoswiftLimited (428 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/geoswift-limited (49 employees on LinkedIn®) ### 18. [GoPayFast](https://www.g2.com/products/gopayfast/reviews) PayFast is a revolutionary digital payment venture signed between Avanza Solutions and Premier Systems. This idea aims to introduce financial technology advancements in the smallest of areas of Pakistan and encourage cashless sustainability across the nation. The world has taken a massive leap in the digitalization of financial matters and we want to align the fortune. The venture has successfully attracted milestones in making daily transactions easier and safer than ever. PayFast intends to leverage hands-on opportunities for entrepreneurs, Small-Medium Enterprises (SMEs), corporates, and common men to maximize their economical outreach through a secure and reliable single payment gateway solution. Our mission is to empower Pakistanis and facilitate their local requirements as per the international compliance standards. To maintain the quality, we have partnered with the best and can ensure satisfaction across all the stages of digital transactions. Our passion lies in making Pakistan a globally competitive fintech landscape by conquering the momentum of endless prospects. Our products/services are listed as follows. PayFast Checkout Designed to be fast, convenient, and secure, our solution offers a variety of payment options so you can cater to the preferences of any customer. You're one step away from growing your business with PayFastCheckout. Payment Links PayFast gives you a hassle-free way to receive payments from your customers without having a website or landing page by creating a unique payment link. PayFast Billing When you don't have a robust payment solution to support your business's demands, managing, distributing, and collecting multiple bills and subscriptions at a large scale can be difficult and even impossible. PayFast gives you the ultimate solution to billing. We accept payments from mobile banking apps, internet banking, ATMs, branch banking, and many locations. PayFast Mobile Payments Powered by UnionPay International, PAyFAst has revolutionized the payments landscape in Pakistan through the introduction of swift and seamless mobile payments. **Who Is the Company Behind GoPayFast?** - **Seller:** [Go Pay Fast](https://www.g2.com/sellers/go-pay-fast) - **HQ Location:** N/A - **LinkedIn® Page:** https://www.linkedin.com/company/No-Linkedin-Presence-Added-Intentionally-By-DataOps (1 employees on LinkedIn®) ### 19. [GPN DATA Gateway](https://www.g2.com/products/gpn-data-gateway/reviews) GPN DATA offers full, online Payment Gateway services and provides eCommerce merchants with a vast array of innovative, highly developed and state-of-the-art tools to ensure their transactions are processed fast and securely. **Who Is the Company Behind GPN DATA Gateway?** - **Seller:** [Gpndata](https://www.g2.com/sellers/gpndata) - **HQ Location:** N/A - **LinkedIn® Page:** https://www.linkedin.com/company/No-Linkedin-Presence-Added-Intentionally-By-DataOps (1 employees on LinkedIn®) ### 20. [Hello Clever](https://www.g2.com/products/hello-clever/reviews) Hello Clever is an Australian fintech company that empowers businesses with a real-time payment platform integrated with instant cashback rewards. Founded in 2021, the company offers a seamless solution that enables customers to checkout and pay instantly, providing businesses with immediate fund settlements 24/7. This approach mitigates fraud risks, eliminates chargebacks, and reduces payment delays, enhancing the overall transaction experience. Key Features and Functionality: - Real-Time Payments: Utilizes PayID and PayTo technologies to facilitate instant transactions, ensuring businesses receive funds immediately. - Instant Cashback Rewards: Offers customers immediate cashback upon purchase, enhancing the shopping experience and encouraging repeat business. - Seamless Integration: Easily integrates with major e-commerce platforms, providing a smooth and rewarding checkout process. - Advanced Fraud Protection: Incorporates real-time fraud detection and transaction monitoring to safeguard against fraudulent activities. - No Chargebacks: Eliminates the risk of chargebacks, ensuring secure and reliable transactions for businesses. Primary Value and Solutions: Hello Clever addresses the need for faster, more secure, and rewarding payment solutions in the e-commerce landscape. By providing real-time payments and instant cashback rewards, it enhances customer satisfaction and loyalty. For businesses, the platform offers immediate access to funds, reduces operational costs associated with chargebacks and fraud, and simplifies reconciliation processes. This comprehensive approach empowers businesses to thrive in the fast-paced real-time payment economy. **Who Is the Company Behind Hello Clever?** - **Seller:** [Hello Clever](https://www.g2.com/sellers/hello-clever) - **HQ Location:** Sydney, AU - **LinkedIn® Page:** https://www.linkedin.com/company/helloclever (77 employees on LinkedIn®) ### 21. [HiTRUSTpay](https://www.g2.com/products/hitrustpay/reviews) HiTRUSTpay is a comprehensive e-commerce payment gateway designed to provide secure, efficient, and user-friendly payment solutions for online merchants. Serving over 3,000 customers in the Greater China region, HiTRUSTpay facilitates seamless transactions between merchants and credit card acquiring banks. The platform supports a wide array of payment methods, including major international credit cards and mobile payment options like Apple Pay, Samsung Pay, and Google Pay Wallet, ensuring a versatile and convenient payment experience for customers. With a strong emphasis on security, HiTRUSTpay is PCI-DSS Level 1 certified and supports EMVCo's 3-D Secure authentication, safeguarding sensitive transaction data and enhancing trust between merchants and their clientele. Key Features and Functionality: - Diverse Payment Methods: Supports various national and international credit cards, debit cards, and mobile payment options, catering to a broad customer base. - Multi-Currency Support: Offers online stores the flexibility to conduct sales and accept payments in multiple currencies, including Taiwan dollars and US dollars. - Advanced Security Measures: Achieved PCI-DSS Level 1 certification and integrates 3-D Secure authentication to ensure the highest standards of payment security. - User-Friendly Backend System: Provides an intuitive administrative interface designed for non-technical users, simplifying transaction management, account checks, and refund requests. - Quick Application Process: Ensures a swift and smooth onboarding process, allowing merchants to integrate the payment gateway without requiring technical expertise. Primary Value and Problem Solved: HiTRUSTpay addresses the critical need for secure and efficient online payment processing in the e-commerce sector. By offering a versatile range of payment options and robust security features, it enables merchants to provide a trustworthy and seamless payment experience to their customers. The platform's user-friendly design and quick integration process reduce operational complexities, allowing businesses to focus on growth and customer satisfaction. Ultimately, HiTRUSTpay enhances transaction security, broadens payment accessibility, and streamlines payment management for online merchants. **Who Is the Company Behind HiTRUSTpay?** - **Seller:** [HiTrust](https://www.g2.com/sellers/hitrust-1152d069-803f-4497-ac00-9a515237a9dd) - **Year Founded:** 1993 - **HQ Location:** Taipei, TW - **LinkedIn® Page:** https://www.linkedin.com/company/hitrust/ (127 employees on LinkedIn®) ### 22. [HyperPay](https://www.g2.com/products/hyperpay/reviews) HyperPay is a leading online payment service provider in the MENA region, offering businesses a comprehensive suite of secure and efficient payment solutions. Since its establishment in 2014, HyperPay has been dedicated to transforming the payments landscape by providing seamless and innovative services tailored to the needs of merchants and consumers alike. Key Features and Functionality: - Diverse Payment Options: HyperPay connects merchants to a consolidated network of global, regional, and local payment methods, ensuring flexibility and convenience for customers. - Recurring Billing: The platform supports recurring payments, enabling businesses to manage subscription-based customers effortlessly. - Data Reporting: HyperPay offers customized data analysis reports, allowing merchants to understand their customer base and make informed decisions. - Mobile App: A dedicated mobile application provides real-time transaction monitoring and management on the go. - Security Compliance: The platform is PCI-DSS compliant and ISO 27001 certified, ensuring the highest standards of data security and fraud prevention. Primary Value and Solutions: HyperPay addresses the critical need for secure, efficient, and versatile payment processing in the rapidly evolving digital economy. By offering a user-friendly platform that integrates with various payment methods and provides advanced features like recurring billing and comprehensive data reporting, HyperPay empowers businesses to streamline their payment processes, enhance customer satisfaction, and drive growth. Its commitment to security and compliance ensures that merchants can operate with confidence, knowing their transactions and customer data are protected. **Who Is the Company Behind HyperPay?** - **Seller:** [HyperPay](https://www.g2.com/sellers/hyperpay) - **Year Founded:** 2010 - **HQ Location:** Riyadh, SA - **LinkedIn® Page:** http://www.linkedin.com/company/hyperpay (127 employees on LinkedIn®) ### 23. [Ikajo](https://www.g2.com/products/ikajo/reviews) Ikajo is a global payment service provider. Ikajo offers international e-commerce merchants its truly global payment services. **Who Is the Company Behind Ikajo?** - **Seller:** [Ikajo](https://www.g2.com/sellers/ikajo) - **Year Founded:** 2013 - **HQ Location:** Amsterdam, NL - **Twitter:** @IkajoInt (269 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/ikajo-com (11 employees on LinkedIn®) ### 24. [Infinicept](https://www.g2.com/products/infinicept/reviews) Infinicept is a fast-growing, Denver-based fintech company that help B2B software companies become payment facilitators. Our industry-leading PayOps™ (payment operations) platform acts as your infrastructure and enables your business to get all the benefits of owning your own payments product without doing it all yourself. Our made-to-order underwriting, back office, and risk monitoring platform simplifies clients’ payment facilitation set-up process to minimize processing costs and focus on what they do best: running a successful business. **Who Is the Company Behind Infinicept?** - **Seller:** [Infinicept](https://www.g2.com/sellers/infinicept) - **Year Founded:** 2015 - **HQ Location:** Denver, US - **Twitter:** @infinicept (222 Twitter followers) - **LinkedIn® Page:** https://www.linkedin.com/company/infinicept (37 employees on LinkedIn®) ### 25. [Intelligent Contacts Payment Portal](https://www.g2.com/products/intelligent-contacts-payment-portal/reviews) Intelligent Contacts’ Intelligent Portal gives businesses the ability to present settlement offers or fixed installment plans OR allow consumers to virtually negotiate their own (according to your client-specific business rules). Dynamic account-level legal disclosures State-specific Mini Miranda disclosures Customizable consumer privacy policies pages Opt-in / opt-out consent tracking and management Mobile-First, Responsive Design Set your own parameters for settlement length, payment frequency, required down payment, and minimum amount accepted. Give consumers the ability to view, print, or download statements or other documents online. Reduce print & mailing costs by encouraging consumers to go paperless! **Who Is the Company Behind Intelligent Contacts Payment Portal?** - **Seller:** [Intelligent Contacts](https://www.g2.com/sellers/intelligent-contacts) - **Year Founded:** 2010 - **HQ Location:** Plano, US - **LinkedIn® Page:** http://www.linkedin.com/company/intelligent-contacts (24 employees on LinkedIn®) ## What Is Payment Gateways? [Payment Software](https://www.g2.com/categories/payment) ## What Software Categories Are Similar to Payment Gateways? - [Billing Software](https://www.g2.com/categories/billing) - [Enterprise Payment Software](https://www.g2.com/categories/enterprise-payment) - [Subscription Billing Software](https://www.g2.com/categories/subscription-billing) - [Payment Processing Software](https://www.g2.com/categories/payment-processing) - [Payments Orchestration Software](https://www.g2.com/categories/payments-orchestration) - [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. --- ## 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.