# Best Payment Gateways with B2B Capabilities ## How Many Payment Gateways Products Does G2 Track? **Total Products under this Category:** 354 ### Category Stats (Jul 2026) - **Average Rating:** 4.19/5 (↓0.02 vs Jun 2026) The average rating of products in this category, based on all submitted ratings - **Top Trending Product:** Accertify (+10.73%) - Among all products in this category, Accertify recorded the largest rating increase compared to last month _Last updated: July 26, 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 - 354+ 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. ## 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=4311&focus%5B%5D=100478&focus%5B%5D=14788&focus%5B%5D=83740&focus%5B%5D=83067&focus%5B%5D=5446&focus%5B%5D=92718) Highlighted products: PayPal Payments, Adyen Payments, Apple Pay for merchants, checkout.com, Razorpay, Paytm Business, EBizCharge, and Square Payments. Underlying data: [Grid® JSON](https://www.g2.com/categories/payment-gateways/grids.json?focus%5B%5D=paypal&focus%5B%5D=adyen-payments&focus%5B%5D=apple-pay-for-merchants&focus%5B%5D=checkout-com&focus%5B%5D=razorpay&focus%5B%5D=paytm-business&focus%5B%5D=ebizcharge&focus%5B%5D=square-payments) **Sponsored** ### Trolley Trolley is a global payouts platform that helps businesses onboard, verify, and pay recipients around the world. Designed for marketplaces, creator platforms, fintechs, affiliate networks, music companies, and businesses that pay freelancers, contractors, suppliers, or sellers, it brings recipient management, tax compliance, and payment operations together in a single platform. By replacing manual processes and disconnected systems, organizations can automate the entire payout lifecycle while improving visibility and reducing administrative work. Key capabilities include: - Global payouts to 210+ countries and territories - Recipient onboarding and self-service collection of banking and tax information - Tax form collection and compliance - Identity verification (KYC) and fraud prevention - Payment approvals, reconciliation, and reporting - APIs and integrations for embedding payout workflows into existing systems Finance, operations, compliance, product, and engineering teams use Trolley to manage high-volume domestic and international payouts from one place. Whether paying hundreds or millions of recipients, Trolley helps organizations standardize payout operations, reduce manual effort, maintain compliance, and deliver a best-in-class recipient payment experience. [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%5Bchosen_at%5D=2026-07-28T08%3A22%3A22Z&secure%5Bdisplayable_resource_id%5D=1007376&secure%5Bdisplayable_resource_type%5D=Category&secure%5Bmedium%5D=sponsored&secure%5Bplacement_reason%5D=neighbor_category&secure%5Bplacement_resource_ids%5D%5B%5D=1007376&secure%5Bprioritized%5D=false&secure%5Bproduct_id%5D=101098&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%2Ff%2Fb2b%3Fopen_modal_url%3D%252Fproducts%252Fpaylane%252Fwishlists%253Fhost_path%253D%25252Fcategories%25252Fpayment-gateways%25252Ff%25252Fb2b%2526source%253Dcategory&secure%5Btoken%5D=50ca7456b464a12beb2bce447a895c607790dfb6af5b53f6b202e6c2148076b2&secure%5Burl%5D=https%3A%2F%2Ftrolley.com%2Fbook-demo%2F%3Futm_source%3Dg2%26utm_medium%3Dmarketplace%26utm_campaign%3Dppc-campaign-core&secure%5Burl_type%5D=custom_url) [ PayPal Payments ](https://www.g2.com/products/paypal/reviews) By [PayPal](https://www.g2.com/sellers/paypal) [ 4.4/5(2,744) ](https://www.g2.com/products/paypal/reviews) What do users say? Users consistently praise the ease of use and security of PayPal Payments, highlighting its ability to facilitate quick and reliable international transactions without sharing sensitive bank details. Pros and Cons [ Ease of Use (474) ](https://www.g2.com/products/paypal/reviews?qs=pros-and-cons)[ High Fees (234) ](https://www.g2.com/products/paypal/reviews?qs=pros-and-cons) [ Razorpay ](https://www.g2.com/products/razorpay/reviews) By [Razorpay](https://www.g2.com/sellers/razorpay) [ 4.2/5(121) ](https://www.g2.com/products/razorpay/reviews) What do users say? Users consistently praise Razorpay for its ease of use and seamless integration with various platforms, making it a preferred choice for online payment processing. The diverse payment options and user Pros and Cons [ Ease of Use (6) ](https://www.g2.com/products/razorpay/reviews?qs=pros-and-cons)[ Expensive (2) ](https://www.g2.com/products/razorpay/reviews?qs=pros-and-cons) [ Stripe Connect ](https://www.g2.com/products/stripe-connect/reviews) By [Stripe](https://www.g2.com/sellers/stripe) [ 4.3/5(248) ](https://www.g2.com/products/stripe-connect/reviews) What do users say? Users consistently praise the ease of use and seamless integration of Stripe Connect, highlighting its ability to simplify complex payment processes for marketplaces and e-commerce. Many appreciate th Pros and Cons [ Ease of Use (6) ](https://www.g2.com/products/stripe-connect/reviews?qs=pros-and-cons)[ Poor Customer Support (4) ](https://www.g2.com/products/stripe-connect/reviews?qs=pros-and-cons) [ Amazon Payment Services ](https://www.g2.com/products/amazon-payment-services/reviews) By [Amazon](https://www.g2.com/sellers/amazon) [ 4.5/5(22) ](https://www.g2.com/products/amazon-payment-services/reviews) What do users say? Users consistently praise the product for its ease of use and fast transactions, highlighting its user-friendly interface and secure payment processing. Many appreciate the ability to handle various p [ GoCardless ](https://www.g2.com/products/gocardless/reviews) By [GoCardless](https://www.g2.com/sellers/gocardless) [ 4.6/5(321) ](https://www.g2.com/products/gocardless/reviews) What do users say? Users consistently praise the ease of use and automation of payments with GoCardless, highlighting how it simplifies the management of recurring transactions and reduces administrative burdens. Many a Pros and Cons [ Convenience (8) ](https://www.g2.com/products/gocardless/reviews?qs=pros-and-cons)[ Payment Issues (6) ](https://www.g2.com/products/gocardless/reviews?qs=pros-and-cons) [ CSG Forte ](https://www.g2.com/products/csg-forte/reviews) By [CSG](https://www.g2.com/sellers/csg-54a1fc60-dace-4629-a6aa-10ab3e6c149f) [ 4.2/5(18) ](https://www.g2.com/products/csg-forte/reviews) What do users say? Users consistently praise CSG Forte for its reliable payment processing and strong security features, which streamline transaction management and enhance compliance. The platform's ability to integrat Pros and Cons [ Ease of Use (3) ](https://www.g2.com/products/csg-forte/reviews?qs=pros-and-cons)[ Delays (2) ](https://www.g2.com/products/csg-forte/reviews?qs=pros-and-cons) [ VirtualMerchant ](https://www.g2.com/products/myvirtualmerchant/reviews) By [Elavon](https://www.g2.com/sellers/elavon) [ 4.4/5(13) ](https://www.g2.com/products/myvirtualmerchant/reviews) What do users say? Users consistently praise the ease of use and user-friendly interface of MyVirtualMerchant, highlighting how it simplifies payment processing and enhances efficiency for businesses. Many appreciate th [ REPAY ](https://www.g2.com/products/repay-repay/reviews) By [Repay](https://www.g2.com/sellers/repay) [ 4.7/5(35) ](https://www.g2.com/products/repay-repay/reviews) What do users say? Users consistently praise the product for its ease of use and responsive customer support, highlighting how it simplifies payment processing and integrates well with existing systems. Many appreciate Pros and Cons [ Detailed Information (1) ](https://www.g2.com/products/repay-repay/reviews?qs=pros-and-cons)[ Payment Issues (1) ](https://www.g2.com/products/repay-repay/reviews?qs=pros-and-cons) [ WePay ](https://www.g2.com/products/wepay/reviews) By [JPMorgan Chase](https://www.g2.com/sellers/jpmorgan-chase) [ 3.6/5(68) ](https://www.g2.com/products/wepay/reviews) What do users say? Users consistently praise the product for its ease of use and fast payment processing, making it a reliable choice for businesses needing quick transactions. Many appreciate the straightforward setup [ Dwolla ](https://www.g2.com/products/dwolla/reviews) By [NMI](https://www.g2.com/sellers/nmi) [ 4.3/5(35) ](https://www.g2.com/products/dwolla/reviews) What do users say? Users consistently praise the product for its ease of use and responsive customer support, highlighting how intuitive the platform is for managing ACH payments. Many appreciate the straightforward int Pros and Cons [ Ease of Use (3) ](https://www.g2.com/products/dwolla/reviews?qs=pros-and-cons)[ Limited Global Availability (2) ](https://www.g2.com/products/dwolla/reviews?qs=pros-and-cons) [ Payoneer ](https://www.g2.com/products/payoneer/reviews) By [Payoneer](https://www.g2.com/sellers/payoneer) [ 3.2/5(371) ](https://www.g2.com/products/payoneer/reviews) What do users say? Users consistently praise the ease of use and fast payment processing of Payoneer, highlighting its effectiveness for receiving international payments. Many appreciate the platform's ability to facili Pros and Cons [ Ease of Use (27) ](https://www.g2.com/products/payoneer/reviews?qs=pros-and-cons)[ High Fees (20) ](https://www.g2.com/products/payoneer/reviews?qs=pros-and-cons) [ BlueSnap ](https://www.g2.com/products/bluesnap/reviews) By [BlueSnap](https://www.g2.com/sellers/bluesnap) [ 4.1/5(107) ](https://www.g2.com/products/bluesnap/reviews) What do users say? Users consistently praise the customer support and ease of integration with BlueSnap, highlighting the responsive team that assists with onboarding and technical issues. Many appreciate the platform's Pros and Cons [ Customer Support (3) ](https://www.g2.com/products/bluesnap/reviews?qs=pros-and-cons)[ Limited International Support (2) ](https://www.g2.com/products/bluesnap/reviews?qs=pros-and-cons) [ PaySimple ](https://www.g2.com/products/paysimple/reviews) By [PaySimple](https://www.g2.com/sellers/paysimple) [ 4.3/5(79) ](https://www.g2.com/products/paysimple/reviews) What do users say? Users consistently praise the product for its ease of use and excellent customer service, highlighting how it simplifies payment processing and invoicing. Many appreciate the ability to set up recurri [ NETELLER ](https://www.g2.com/products/neteller/reviews) By [Paysafe Group](https://www.g2.com/sellers/paysafe-group) [ 3.8/5(15) ](https://www.g2.com/products/neteller/reviews) What do users say? Users consistently praise the security of their money with Neteller, highlighting its robust verification processes and ease of use for transactions. Many appreciate the instant payments and the conve [ Moneris Gateway ](https://www.g2.com/products/moneris-gateway/reviews) By [Moneris](https://www.g2.com/sellers/moneris) [ 3.5/5(12) ](https://www.g2.com/products/moneris-gateway/reviews) What do users say? Users consistently praise the ease of use and quick setup of the Moneris Gateway, highlighting its straightforward integration and reliable payment processing. Many appreciate the platform's accessibi - ‹ Prev‹ Prev - 1 - [2](/categories/payment-gateways/f/b2b?filters%5BUse+Case%5D%5B%5D=442&open_modal_url=%2Fproducts%2Fpaylane%2Fwishlists%3Fhost_path%3D%252Fcategories%252Fpayment-gateways%252Ff%252Fb2b%26source%3Dcategory&order=g2_score&page=2#product-list) - [3](/categories/payment-gateways/f/b2b?filters%5BUse+Case%5D%5B%5D=442&open_modal_url=%2Fproducts%2Fpaylane%2Fwishlists%3Fhost_path%3D%252Fcategories%252Fpayment-gateways%252Ff%252Fb2b%26source%3Dcategory&order=g2_score&page=3#product-list) - [4](/categories/payment-gateways/f/b2b?filters%5BUse+Case%5D%5B%5D=442&open_modal_url=%2Fproducts%2Fpaylane%2Fwishlists%3Fhost_path%3D%252Fcategories%252Fpayment-gateways%252Ff%252Fb2b%26source%3Dcategory&order=g2_score&page=4#product-list) - [5](/categories/payment-gateways/f/b2b?filters%5BUse+Case%5D%5B%5D=442&open_modal_url=%2Fproducts%2Fpaylane%2Fwishlists%3Fhost_path%3D%252Fcategories%252Fpayment-gateways%252Ff%252Fb2b%26source%3Dcategory&order=g2_score&page=5#product-list) - [Next ›Next ›](/categories/payment-gateways/f/b2b?filters%5BUse+Case%5D%5B%5D=442&open_modal_url=%2Fproducts%2Fpaylane%2Fwishlists%3Fhost_path%3D%252Fcategories%252Fpayment-gateways%252Ff%252Fb2b%26source%3Dcategory&order=g2_score&page=2#product-list) Spotlight Categories [Network Monitoring Software](https://www.g2.com/categories/network-monitoring) [Customer Data Platforms (CDP)](https://www.g2.com/categories/customer-data-platform-cdp) [Sales Training and Onboarding Software](https://www.g2.com/categories/sales-training-and-onboarding) [Social Media Listening Tools](https://www.g2.com/categories/social-media-listening-tools) [Security Awareness Training Software](https://www.g2.com/categories/security-awareness-training) Similar Categories - [Embedded Payments](/categories/embedded-payments) - [Failed Payment Recovery](/categories/failed-payment-recovery) - [Installment Payment and Buy Now Pay Later (BNPL)](/categories/installment-payment-and-buy-now-pay-later-bnpl) - [Payment Analytics](/categories/payment-analytics) - [Payment Card Issuance](/categories/payment-card-issuance) - [Payment Processing](/categories/payment-processing) - [Payments Orchestration](/categories/payments-orchestration) [Browse Payment Gateways Themes](/categories/payment-gateways/themes) Below are the top-rated Payment Gateways with B2B capabilities, as verified by G2’s Research team. Real users have identified B2B as an important function of Payment Gateways. Compare different products that offer this feature so you can decide which is best for your business needs. Top Tools at a Glance | | Global checkout with buyer trust and currency flexibility | User Review "Convenient for Transfers, But High Fees" | | | Omnichannel payment reconciliation with fraud auto-defense | User Review "Comprehensive and Efficient Payment Solution" | | | Contactless checkout with tokenized card security | User Review "One of top best wallets to have on your iPhone" | | | Multi-region card acceptance with high authorization rates | User Review "The best tool to check on transaction statuses internationally" | | | Voice-confirmed QR payments with instant settlement | User Review "A Game-Changer for Small Teams, Needs Faster Support" | | | ERP-integrated payment processing with QuickBooks and Acumatica | User Review "Flawless NetSuite Integration, Strong Support, and Real Savings with eBizCharge" | | | Mobile invoicing with in-person payment flexibility | User Review "Fast, Easy Payments and All-in-One Tracking That Keeps My Business Organized" | | | Reseller-managed gateways with multi-MID processor flexibility | User Review "Proactive Support and Seamless Integrations" | | | Marketplace payment splitting and multi-party payouts | User Review "Stripe Makes Payment Collection Simple and Seamless" | * * * Show More * * * ## 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.