Best Payment Gateways of 2021

Need a performant yet affordable payment gateway for your business?

Have no fear!

This is how we found the best gateways in 2021:

  1. We analyzed the market.
  2. We hands-on tested the most popular gateways.
  3. We evaluated each solution’s overall value for money.

You’ll find the top picks below.

Best Payment Gateways

1. Authorize.net

Authorize.net packs superb quality in simple, all-inclusive payment gateway plans. No flashy marketing here either. This provider has been around since the 90s and remains one of the most reputable gateway options. You can count on Authorize.net to process transactions correctly, prevent fraud, and store information efficiently, making your life easier (and your customers happier). FULL REVIEW

  • Short-term contracts
  • No early cancellation penalty
  • Multiple shopping cart integrations
Try Now

Show More

Authorize.net packs superb quality in simple, all-inclusive payment gateway plans. No flashy marketing here either. This provider has been around since the 90s and remains one of the most reputable gateway options. You can count on Authorize.net to process transactions correctly, prevent fraud, and store information efficiently, making your life easier (and your customers happier). FULL REVIEW

Free trial

No

Credit card fee

2.9% + $0.30

Dropshipping

Yes

POS

Yes

Mobile payments

Yes

Recurring payments

Yes

Fraud protection

Great

Reporting

Great

2. Square

Credit card processing has never been easier—and neither have online payments. With no monthly or setup fees and flat fees for all card types, it’s an easy-access option for small businesses. And there are tons of handy add-ons, too—from recurring payments to invoicing and even marketing. FULL REVIEW

  • No gateway fees
  • Flat rates for all cards
  • User-friendly layout
Try Now

Show More

Credit card processing has never been easier—and neither have online payments. With no monthly or setup fees and flat fees for all card types, it’s an easy-access option for small businesses. And there are tons of handy add-ons, too—from recurring payments to invoicing and even marketing. FULL REVIEW

Free trial

Free plan

Credit card fee

2.6% +$0.10 to 2.9% + $0.30

Dropshipping

No

POS

Yes

Mobile payments

Yes

Recurring payments

Yes

Fraud protection

Great

Reporting

Great

3. 2Checkout

2Checkout is a safe and scalable solution for selling internationally. With a PCI Level 1 certification and multiple currencies available, it’s an excellent tool to use across industries and countries. But that’s not all—with its top-notch client support and lack of monthly fees, you can try the service completely risk-free. FULL REVIEW

  • Free account
  • Set transaction rates
  • Multi-currency support
Try Now

Show More

2Checkout is a safe and scalable solution for selling internationally. With a PCI Level 1 certification and multiple currencies available, it’s an excellent tool to use across industries and countries. But that’s not all—with its top-notch client support and lack of monthly fees, you can try the service completely risk-free. FULL REVIEW

Free trial

Completely free

Credit card fee

3.5% +$0.35

Dropshipping

Yes

POS

Yes

Mobile payments

Yes

Recurring payments

Yes

Fraud protection

Great

Reporting

Great

4. Google Pay

Google Pay is one of the easiest payment methods you can offer to Android users. It has great brand recognition, it’s faster than most providers, and cards get declined less often. With its speedy transactions and high security, your sales grow and your clients are happier. Did we mention it’s also free? FULL REVIEW

  • Online, in-person, and person-to-person payments
  • Low time-to-buy
  • Conversion boost
Try Now

Show More

Google Pay is one of the easiest payment methods you can offer to Android users. It has great brand recognition, it’s faster than most providers, and cards get declined less often. With its speedy transactions and high security, your sales grow and your clients are happier. Did we mention it’s also free? FULL REVIEW

Free trial

Completely free

Credit card fee

None

Dropshipping

Yes

POS

Yes

Mobile payments

Yes

Recurring payments

Yes

Fraud protection

Great

Reporting

Fair

5. Apple Pay

iOS users love Apple Pay and it’s time to capitalize on that. Apple’s own payment method stores card details and contact details. It transfers money without sharing sensitive information and doesn’t cost extra to merchants or clients. Time-to-buy drops and your sales go up. Did we mention it also comes with a liability shift in case of fraud? FULL REVIEW

  • Both in-store and online payments
  • Fast and secure processing
  • Works offline
Try Now

Show More

iOS users love Apple Pay and it’s time to capitalize on that. Apple’s own payment method stores card details and contact details. It transfers money without sharing sensitive information and doesn’t cost extra to merchants or clients. Time-to-buy drops and your sales go up. Did we mention it also comes with a liability shift in case of fraud? FULL REVIEW

Free trial

Completely free

Credit card fee

No extra fees

Dropshipping

Yes

POS

Yes

Mobile payments

Yes

Recurring payments

Yes

Fraud protection

Great

Reporting

Fair

6. Skrill

Skrill is the international seller’s best friend. Manage 40+ different currencies from a single account, get advanced analytics, and enjoy enhanced fraud protection. Skrill also has some of the lowest payment fees on the market—the fast, secure, and reliable service is really a bang for your buck. FULL REVIEW

  • 40+ currencies in a single account
  • Secure and PCI-compliant
  • Cheap card payments and bank transfers
Try Now

Show More

Skrill is the international seller’s best friend. Manage 40+ different currencies from a single account, get advanced analytics, and enjoy enhanced fraud protection. Skrill also has some of the lowest payment fees on the market—the fast, secure, and reliable service is really a bang for your buck. FULL REVIEW

Free trial

Completely free

Credit card fee

0.9%

Dropshipping

Yes

POS

No

Mobile payments

Yes

Recurring payments

Yes

Fraud protection

Great

Reporting

Great

7. Neteller

Neteller is easily one of the safest payment solutions out there. Receive payments from 200+ countries around the world with peace of mind. With near-perfect chargeback prevention and anti-fraud measures, this is one of the most merchant-friendly providers on our list. FULL REVIEW

  • Security-first payment gateway
  • International transfers
  • Chargeback protection
Try Now

Show More

Neteller is easily one of the safest payment solutions out there. Receive payments from 200+ countries around the world with peace of mind. With near-perfect chargeback prevention and anti-fraud measures, this is one of the most merchant-friendly providers on our list. FULL REVIEW

Free trial

No

Credit card fee

Contact sales

Dropshipping

Yes

POS

No

Mobile payments

Yes

Recurring payments

Yes

Fraud protection

Great

Reporting

Good

8. Melio

Melio will revolutionize your B2B payments. Set up a free account and pay from a centralized platform—with free bank transfer and check payments and no monthly fees. Designed with small businesses in mind, Melio is a simple, affordable, and feature-rich solution that has all the tools you need—even a bookkeeping integration and 1099 forms. FULL REVIEW

  • No monthly fee
  • No contracts
  • Free bank transfer and check payments
Try Now

Show More

Melio will revolutionize your B2B payments. Set up a free account and pay from a centralized platform—with free bank transfer and check payments and no monthly fees. Designed with small businesses in mind, Melio is a simple, affordable, and feature-rich solution that has all the tools you need—even a bookkeeping integration and 1099 forms. FULL REVIEW

Free trial

Completely free

Credit card fee

2.9%

Dropshipping

No

POS

No

Mobile payments

Yes

Recurring payments

Yes

Fraud protection

Good

Reporting

Great

9. Fondy

Fondy is the simplest (and possibly the cheapest) way for EU vendors to accept payments. With stellar integrations and smooth currency conversion, it’s an easy and effective choice. Plus, Fondy offers a solution for all business models—whether you’re a traditional ecommerce store, an Instagram vendor, or a subscription-based service. FULL REVIEW

  • 100+ currencies
  • 300+ payment methods
  • Low fees
Try Now

Show More

Fondy is the simplest (and possibly the cheapest) way for EU vendors to accept payments. With stellar integrations and smooth currency conversion, it’s an easy and effective choice. Plus, Fondy offers a solution for all business models—whether you’re a traditional ecommerce store, an Instagram vendor, or a subscription-based service. FULL REVIEW

Free trial

Completely free

Credit card fee

Varies

Dropshipping

Yes

POS

No

Mobile payments

Yes

Recurring payments

Yes

Fraud protection

Good

Reporting

Good

10. Bluesnap

Bluesnap is the perfect solution for enhanced safety and efficiency-boosting automation. Its full-featured compliance toolset helps you with GDPR, 3D securing, taxes, and more. Bluesnap is also an analytics champion, offering detailed insights into your business’ finances and performance through the Bluesnap Reporting API. FULL REVIEW

  • Robust feature offer
  • 100+ shopping cart integrations
  • Hundreds of payment methods
Try Now

Show More

Bluesnap is the perfect solution for enhanced safety and efficiency-boosting automation. Its full-featured compliance toolset helps you with GDPR, 3D securing, taxes, and more. Bluesnap is also an analytics champion, offering detailed insights into your business’ finances and performance through the Bluesnap Reporting API. FULL REVIEW

Free trial

Free for one month

Credit card fee

2.75% + $0.30

Dropshipping

Yes

POS

Yes

Mobile payments

Yes

Recurring payments

Yes

Fraud protection

Great

Reporting

Great

The Best Payment Gateways – Reviews & Comparisons

Are you selling online?

Then you need quality payment processing.

But how do you choose the most suitable provider for your needs?

The best payment gateway will not only keep your money safe—it’ll also help prevent chargebacks and even boost your sales.

In this article, we’re looking at the best options for businesses in 2021—read on to find yours!

Best Payment Gateways - 2021 Reviews

Authorize.net
Authorize.net

BEST FOR MIDRANGE BUSINESSES WITH MERCHANT ACCOUNT

Starting at
$ 25 /mo
  • Free trial No
  • Credit card fee 2.9% + $0.30
  • Dropshipping Yes
  • POS Yes
  • Mobile payments Yes
  • Recurring payments Yes
  • Fraud protection Great
  • Reporting Great
  • Short-term contracts
  • No early cancellation penalty
  • Multiple shopping cart integrations
  • Simple checkout
  • Customer information manager
  • Optional account updater to boost retention
  • Recurring billing support
  • High transaction fees for all-in-one accounts
  • eCheck processing costs extra
  • Over-enthusiastic fraud protection

Over 440k merchants are using this US payment gateway. Are they onto something?

What Is Authorize.Net?

Authorize.net is an ecommerce payment gateway for processing card and electronic checks. Founded in 1996, this is one of the oldest and best-known merchant gateway providers.

But Authorize.net isn’t just a reliable way to capture and validate card information.

You can use Authorize.net with Shopify and Woocommerce, as well as multiple shopping carts. You can also add a one-stop “Buy Now” button with the simple checkout function.

Plus, you get recurring billing support, a customer information manager, and browser-based VPOS that turns your computer into a virtual terminal.

Pricing

Authorize.net is primarily an internet payment gateway, but they also offer merchant accounts. So you have two options when you’re getting started:

All-in-One Option

If you don’t have a merchant account, Authorize.net will set you up with one. This plan costs $25/month with a transaction fee of 2.9% + $0.30.

Payment Gateway Option

If you already have a merchant account with your bank, you can integrate it with the  Authorize.net online payment platform. You will be charged $25/month, plus a $0.10 transaction fee and a daily $0.10 batch fee.

Add-Ons

With Authorize.net, you get almost all-inclusive online payment services with two exceptions:

  • Account updater to check and renew card information monthly, increasing customer retention and preventing failed payments. This is billed on a per-update basis, so the price will depend on the changes that month.
  • eCheck processing will set you back 0.75% of the transaction price, billed separately from your monthly gateway fee.

Finally, if you process more than $500k per year, contact the Authorize.net sales team for a personalized quote. Large companies get additional perks like help with data migration or the Interchange-plus pricing model.

Authorize.Net Best Features

Authorize.net is one of the most reliable payment gateway providers. Here’s everything we at HostingTribunal love about it:

  • All-in-one or gateway-only option
  • Virtual terminal function
  • Recurring billing support
  • Tons of shopping cart integrations
  • Simple checkout option
  • Pay-as-you-go plans
  • No early cancellation fees
  • Customer information manager

What We Disliked

Although Authorize.net is one of the most trusted (and trustworthy) online payment gateways, it’s not the cheapest. The optional merchant account setup comes with high transaction fees and they add up quickly if you take a lot of smaller payments.

The Payment Gateway Only option doesn’t have that issue, so you can get a merchant account elsewhere and integrate with Authorize.net for the best value.

Authorize.Net User Reviews

Authorize.net is well-liked and well-respected across industries and company sizes. Clients praise the versatility, ease of use, and iron-clad security features with near-unbreakable fraud protection.

In fact, one of the complaints people have is that the fraud protection service is sometimes too robust and blocks legitimate transactions. Perhaps additional settings could help solve this—but I’d take overperforming fraud protection over a lax one any day.

We Recommend Authorize.Net For…

Authorize.net is one of the best payment gateways for ecommerce, whether you’re just launching your store or already have an established business. Price-wise, medium-sized companies get the best deal. Make sure to link your own merchant account too. It saves so much on transaction fees!

Square
Square

BEST FOR SMALL BUSINESSES

Starting at
2.9%+$0.30
  • Free trial Free plan
  • Credit card fee 2.6% + $0.10 to 2.9% + $0.30
  • Dropshipping No
  • POS Yes
  • Mobile payments Yes
  • Recurring payments Yes
  • Fraud protection Great
  • Reporting Great
  • No gateway fees
  • Flat rates for all cards
  • User-friendly layout
  • Free online store
  • Free Square reader
  • Multiple service upgrades
  • High(ish) transaction fees
  • Frequent fund freezing

Jack Dorsey’s credit card reading brainchild has grown. Now Square offers a comprehensive ecommerce payment system. Does it live up to the expectations?

What Is Square?

Square started out as a credit card processor you can plug into your phone’s audio jack.

Dorsey got the idea when his friend (later, Square co-founder) James McKelvey couldn’t complete a glass faucet sale. McKelvey only accepted cash at his studio and the clients who didn’t have that were usually lost forever.

When Square launched, it was a cheap and easy credit card payment platform for brick-and-mortar businesses. Now it offers payment gateway solutions for online stores and physical locations alike.

With Square, you get flat-rate processing fees no matter the card type.

You’re only paying for transactions—no setup, monthly, or other fees whatsoever. Plus, the application takes minutes and you get a free mobile app and a credit card swiper.

Overall, it’s an easy and secure payment gateway for small businesses. Since there are no monthly fees or contracts, Square is perfect even for micro-businesses and artisans like McKelvey, who originally inspired the product.

Pricing

Let’s be honest—pricing is one of Square’s main perks.

You don’t have to deal with payment gateway fees and you get the same flat rate regardless of the card type.

Debit, credit, rewards, or corporate cards—it makes no difference. This is great news if your clients tend to pay with rewards cards, which usually come with higher fees on other processors.

Card-Present Transactions

If you accept the card through a Square Reader, Square Register, Square Stand, Square Terminal, or Square for Restaurant, transactions set you back 2.6% + $0.10.

Square for Retail and Square Appointments payments are slightly cheaper at 2.5% + $0.10.

Card-Not-Present Transactions

Website payment processing, invoices, and recurring payments cost:

  • 2.9% + $0.30 through the Square Online Store or Square Invoice
  • 2.6% + $0.30 if you get the Square Online Store Premium Plan
  • 3.5% + $0.15 with the virtual terminal, the point-of-sale app, or recurring payments
Square Online Store

If you just need online payment gateway services, Square Online Store is perfect for you.

You can launch for free, paying only the 2.9% + $0.30 card-not-present fee. But there are also Premium plan options (all billed annually).

  • Professional for $12/month with a free custom domain for the first year and no Square ads
  • Performance for $26/month with review-posting, discounted shipping labels, and abandoned cart emails
  • Premium for $72/month with lower transaction fees, real-time shipping rate calculator, and the highest shipping discounts

Square Best Features

Here is what makes Square one of our favorite online payment service providers:

  • No monthly or setup fees
  • Flat-rate transactions across cards
  • Easy setup and use
  • Free online store launch
  • First Square reader free
  • Handy add-on services—appointments, invoicing, loyalty, etc.

What We Disliked

Even without monthly fees, Square is not the cheapest payment gateway. The transaction fees are on the upper end of the spectrum for online payments, only dropping with the paid Premium plan.

Square User Reviews

Square is an extremely popular choice for small businesses—they consider it one of the best payment gateways in the USA.

The no-fee policy and flat rate for transactions can save a lot of money, depending on how your clients choose to pay. Conversely, if you do a lot of smaller transactions, especially through an online store, Square is not ideal.

Fund freezing is another fairly frequent complaint. This is common with credit card gateway providers for mobile. If Square suspects anything fishy, it won’t hesitate to freeze your account.

We don’t really have a perfect solution for this one, but you should read through the terms and conditions and follow the rules. And if it happens to you, be patient—the customer support will fix it eventually.

We Recommend Square For…

Square is the best zero-fee gateway for credit cards. It offers flat fees for all cards, comprehensive functionality, and, of course, the flagship mobile credit card processor. We highly recommend it for small businesses and merchants, especially if you also need processing for your brick-and-mortar location.

2Checkout
2Checkout

BEST INTERNATIONAL SCALING

Starting at
3.5%+$0.35
  • Free trial Completely free
  • Credit card fee 3.5% + $0.35
  • Dropshipping Yes
  • POS Yes
  • Mobile payments Yes
  • Recurring payments Yes
  • Fraud protection Great
  • Reporting Great
  • Free account
  • Set transaction rates
  • Multi-currency support
  • 100+ shopping cart integrations
  • PCI Level 1 certification
  • Stellar customer service
  • High transaction fees
  • Frozen funds complaints

2Checkout is easily the most popular international payment gateway. Here’s everything you need to know about it:

What Is 2Checkout?

2Checkout is an online payment gateway that allows you to accept credit, debit, and PayPal payments from around the world.

You can receive money from any country except North Korea, Cuba, Iran, Sudan, Syria, and Myanmar, making 2Checkout the best payment processor if you operate internationally.

There are no monthly fees and the transaction fee is flat across payment methods. Pricing is all inclusive with no hidden fees. You can trust 2Checkout to collect payment information safely, preventing fraud. The processor is PCI Level 1 certified, which is the highest level an online payment gateway company can achieve.

Pricing

2Checkout has three main plans tailored for different business models:

  • 2Sell Plan for international sellers with transaction fees of 3.5% + $0.35 per sale
  • 2Subscribe Plan for selling subscriptions—4.5% + $0.45
  • 2Monetize Plan for digital product merchants—6% + $0.60

All plans include the international selling functionality and access to recurring billing.

2Subscribe adds subscription management features to cover the customer lifecycle, including retention tools and in-depth analytics. And if you’re looking for software that specializes in that specifically, check out our list of the best subscription management solutions.

2Monetize is an all-in-one solution for digital selling with tax compliance, invoice management, and conversion rate optimization tools. This plan also includes 45+ different payment methods and allows shopping cart customization.

2Checkout Best Features

Here’s why 2Checkout made it to the best online payment gateway list:

  • No monthly fees
  • Flat transaction rates
  • Supports nearly every country around the world
  • Integrates with 100+ shopping carts
  • PCI Level 1 certification
  • Great customer support

What We Disliked

Though 2Checkout is the best payment processor for ecommerce businesses that operate internationally, it does have a flaw—its transaction fees.

They’re not out-of-this-world high, but they’re definitely on the pricier side. If you want additional features like invoicing and tax compliance, you’re looking at the highest membership tier6% + $0.60.

2Checkout User Reviews

2Checkout isn’t the most universally liked payment gateway software, but most users are still pleased with the service. Common praise points include the all-in-one pricing, the multi-currency, multi-country functionality, and the wealth of integrations.

But as with other ecommerce payment solutions, there are complaints about frozen funds and even account blocks. To prevent this issue, take your time to understand the company policy about what you can and cannot sell.

We Recommend 2Checkout For…

2Checkout is the best online payment processor if you plan on selling and scaling internationally. It works around the world, accepts multiple currencies and payment methods, and it’s available in different languages too.

This is also the best payment gateway for Shopify since it integrates smoothly and helps you sell around the world. Dropshippers, hey!

Google Pay
Google Pay

FAST & EASY CHECKOUT

Starting at
Free
  • Free trial Completely free
  • Credit card fee None
  • Dropshipping Yes
  • POS Yes
  • Mobile payments Yes
  • Recurring payments Yes
  • Fraud protection Great
  • Reporting Fair
  • Online, in-person, and person-to-person payments
  • Low time-to-buy
  • Conversion boost
  • Brand recognition and trust
  • Zero fees
  • Secure and fraud-protected
  • Rewards program management
  • Mainly for Android users
  • No buyer protection
  • Data privacy concerns

Android users around the world love Google’s payment app. Should you trust this payment gateway?

What Is Google Pay?

Google Pay is a free digital wallet and payment platform for Android users. Well-designed and feature-rich, the app supports store, online, and person-to-person transactions.

Clients love the smooth, fast, and secure checkout experience. Businesses will like that too. Google Pay stores payment information without oversharing and implements strict security standards and identity controls for fraud detection.

Google Pay transactions are declined less often than those of other providers. Plus, brand loyalty and recognition make this one of the most trusted online payment platforms. Customers get a fast and safe payment option—and they trust you for offering it to them.

To start using Google Pay for business, all you have to do is activate the option. Implementation usually takes a couple of days—from reviewing the developer documents to getting the API and integrating.

Pricing

Google’s internet payment gateway is completely free. It doesn’t charge customers for transactions, nor does it collect a commission on your money.

Google Pay Best Features

Google Pay is one of the most-liked online payment providers and here is why:

  • Fast transactions, boosting sales
  • Well-recognized and trusted by customers
  • No fees
  • Comprehensive security and fraud protection
  • Online, in-person, and person-to-person solutions
  • Loyalty and reward programs management

What We Disliked

Google Pay is one of the most easy-to-love payment handlers. That said, it still has some downsides, the main one being it’s pretty much only for Android. While iOS devices are supported in some countries, most iPhone users aren’t using Google Pay.

Secondly, some users have data privacy concerns when it comes to mobile payments. Finally, there’s also no buyer protection whenever you’re using Google Pay. Consider adding peace-of-mind guarantees or offering another payment method that does offer it.

Google Pay User Reviews

Google Pay has found its way to virtually every top payment gateway list and with good reason.

Business owners love the speed and security boost, which reduce the purchase time and increase sales. Google is one of the most well-recognized brands and that comes with a few perks too. Clients trust it, so they also trust you.

Other common points of praise are the sleek, easy-to-navigate app layout and the friendly customer support, ready to solve any issues.

There isn’t a lot that people dislike about Google’s online gateway payment services. Obviously, if you want to use Google Pay in person, you and your client both need an internet connection, so don’t vow off POS terminals just yet.

If you’re not tech-savvy, it might take a bit to implement the app, but there are guides and help available.

We Recommend Google Pay For…

Google Pay is one of the best payment platforms for any business. It’s free, safe, and people trust it. Plus, the fast transactions boost conversions—the lower your time-to-buy is, the more you sell!

We highly recommend setting up Google Pay as one of your payment methods—it’s a great tool for small businesses and major retailers alike.

Apple Pay
Apple Pay

BEST FOR SELLING TO iOS USERS

Starting at
Free
  • Free trial Completely free
  • Credit card fee No extra fees
  • Dropshipping Yes
  • POS Yes
  • Mobile payments Yes
  • Recurring payments Yes
  • Fraud protection Great
  • Reporting Fair
  • Both in-store and online payments
  • Fast and secure processing
  • Works offline
  • Inline payment option
  • Liability shift for card-not-present transactions
  • No extra fees
  • Rewards program support
  • Only for Apple devices
  • Additional costs for in-store usage

Apple’s digital wallet is a fast and convenient way for iOS users to make payments. But is it worth getting it for your business?

What Is Apple Pay?

Apple Pay is an internet payment gateway that allows iOS users to make contactless payments in online stores and brick-and-mortar businesses. It stores payment, shipping, and contact information and sends it out in a single click (or double-tap if you’re using an Apple Watch).

Apple Pay is easily the best payment method for iOS devices—it guarantees a secure and simple process for the end-user. Plus, with it, merchants don’t handle sensitive information—this protects you from fraud and keeps clients safe from data theft.

When you activate Apple Pay, customers who already have a card saved on the system can use the one-tap pay function. There is also an inline setup option, allowing users to set up the service without leaving the page.

Just like Google Pay, Apple Pay doesn’t charge you extra for this service.

For card-not-present transactions (in online stores), you might also get some liability perks. In some of these cases, the responsibility for fraud shifts to the card issuer.

Finally, even though it is an online payment engine, Apple Pay works without an internet connection too. This is great news for users—they’re not dependent on data and they won’t pay astronomical roaming charges when they’re out-of-town.

Pricing

Apple Pay doesn’t charge you for offering the payment method. You will get the standard credit card fees for card-present (in-store) and card-not-present transactions (online shopping).

Apple Pay Best Features

  • In-store and online payment solutions
  • Secure payment processing
  • Liability shift for fraud protection
  • Inline payments available
  • No extra fees
  • Works offline
  • Supports rewards systems

What We Disliked

Apple Pay’s biggest con is also the most obvious:

It’s only available for iOS.

Since some of your clients will surely use Android, Apple Pay can’t be the only payment option you offer.

If you want to use Apple Pay in-store, you need an NFC terminal to accept the payment.

The device itself, in addition to staff training expenses, might be unnecessarily costly, so it’s worth considering if your clients really need this. The answer varies from business to business—but, as with any investment, think about your options before splurging.

Apple Pay User Reviews

Apple Pay is one of the most popular payment platforms—mainly because so many people are using iOS devices.

Clients love the fast and secure transactions, while merchants like the short time-to-buy and improved conversions.

Just like with Google Pay, the main thing that businesses appreciate is the boost in revenue. When people have a quick, convenient, and trustworthy way to pay, they’re more likely to buy a product.

We Recommend Apple Pay For…

We highly recommend Apple Pay as a website payment solution for any business that sells to iOS users. It’s quick, safe, and people trust it. And, since there are no extra fees for you, there is no reason not to use it.

Skrill
Skrill

BEST MULTI-CURRENCY PAYMENTS

Starting at
0.9%
  • Free trial Completely free
  • Credit card fee 0.9%
  • Dropshipping Yes
  • POS No
  • Mobile payments Yes
  • Recurring payments Yes
  • Fraud protection Great
  • Reporting Great
  • 40+ currencies in a single account
  • Secure and PCI-compliant
  • Cheap card payments and bank transfers
  • Chargeback prevention
  • Multi-layer fraud protection
  • Frozen funds issues
  • Less-than-ideal customer support

Skrill is an easy payment gateway that helps you manage 40+ currencies and avoid chargebacks too. Here’s everything you need to know about it:

What Is Skrill?

Skrill is an international payment processing service—a PayPal-like platform with almost double the currencies. It’s easily the best payment gateway for selling around the world. You can create a merchant account that supports all 40+ currencies and customer support is multilingual.

For repeat customers, Skrill is available as a one-tap payment option. It has advanced fraud protection controls and it’s fully PCI-compliant.

Overall, this is one of the most security-heavy payment providers. That’s great news for some merchants, but others have complained about frozen funds due to the rigid fraud-protection policy.

Pricing

Skrill has significantly lower fees compared to other top payment gateways. Currently, it’s running a special offer for online stores:

  • 0.9% on debit card, prepaid card, and credit card (VISA, Mastercard, Maestro) transactions
  • 0.5% fees on Rapid Transfer transactions

Rapid Transfer is an instant bank transfer solution that supports 3,000+ banks around the world.

Skrill Best Features

  • Cost-effective ecommerce payment system
  • PCI-compliant and super-secure
  • Card payment and instant bank transfers
  • Enhanced fraud protection
  • Chargeback prevention
  • Single multi-currency account

What We Disliked

Skrill is one of the online payment sites with the highest levels of security.

But this also means hypervigilant fraud protection for some businesses. Depending on your industry, there is a real risk of getting your funds frozen for an indefinite amount of time.

To add insult to injury, it seems like customer support isn’t overly helpful when it comes to finding a solution.

Skrill User Reviews

Skrill is a well-liked payment gateway for ecommerce with thousands of happy customers. Small to mid-size businesses love it for the low fees and fast processing, while larger companies enjoy the multi-currency support and advanced analytics.

However, frozen funds issues seem to be relatively common, so make sure you read the Terms of Use carefully before setting up your account.

We Recommend Skrill For…

Skrill is one of the best payment gateways for budget-conscious businesses, as well as international merchants that need to manage multiple currencies.

Neteller
Neteller

BEST SECURE INTERNATIONAL PAYMENTS

Starting at
1.45%
  • Free trial No
  • Credit card fee Contact sales
  • Dropshipping Yes
  • POS No
  • Mobile payments Yes
  • Recurring payments Yes
  • Fraud protection Great
  • Reporting Good
  • Security-first payment gateway
  • International transfers
  • Chargeback protection
  • Recurring payment support
  • Merchant offer promotion
  • High fees for user accounts
  • Subpar mobile app

Security champion Neteller is possibly the best payment gateway for safe international transfers. But is there a catch?

What Is Neteller?

Neteller is a virtual wallet and payment service for safe, tax-compliant processing around the world. You can receive payments from 200+ different countries and get help in 15 different languages.

It’s one of the most security-heavy website payment gateways and it’s also fully chargeback protected. This might be a downside for clients, but it’s definitely a perk for merchants, as it keeps you safe from Karen-type buyers.

Pricing

Neteller is secure, chargeback-protected, and easy-to-use. The fees are the biggest catch.

This is one of the priciest ecommerce payment gateways for customers. They charge 1.45% for sending money. If the client has never deposited money in their account, or they’ve only used Skrill, Paysafecard, Neosurf, Qiwi, or BitPay, you’re looking at 4.49%.

Payments to merchants are free, but considering the high fees for other transfers, it’s no wonder some people steer clear.

What about business account pricing? Neteller hasn’t published any details—contact sales to get a personalized offer.

Neteller Best Features

  • Top-notch security
  • Chargeback prevention
  • International payments
  • Merchant showcase and special offers
  • Recurring payment solution

What We Disliked

Unfortunately, while Neteller is a highly secure and convenient ecommerce payment gateway, it’s pricey for regular users. As a result, a lot of clients go for cheaper options like Skrill or even PayPal.

We also aren’t too thrilled about the mobile app. It has relatively low ratings on the Play Store and App Store and seems to be clunky and unreliable.

Neteller User Reviews 

Neteller is well-loved as a secure digital payment gateway. Their safety-first approach guarantees payments will always reach you no matter where they come from.

On the flip side, it also means higher fees—high-level security comes at a price. Neteller is one of the most expensive digital wallets, which is why so many people choose their moderately-priced competitors.

We Recommend Neteller For…

Neteller is one of the best ecommerce payment solutions if security is your top priority. It’s great for receiving international payments—especially from high-risk areas.

Melio
Melio

BEST B2B PAYMENTS

Starting at
2.9%
  • Free trial Completely free
  • Credit card fee 2.9%
  • Dropshipping No
  • POS No
  • Mobile payments Yes
  • Recurring payments Yes
  • Fraud protection Good
  • Reporting Great
  • No monthly fee
  • No contracts
  • Free bank transfer and check payments
  • No fees for receiving payments
  • Credit card payments, even if the vendor doesn’t support them
  • Cash flow management functions
  • Live client support
  • Clunky new vendor workflow
  • Not international

The best B2B payment system, hands-down. Here is why:

What Is Melio?

Melio is secure payment gateway software for Business-to-Business transactions. It is advertised as the simplest way to pay merchants and vendors—and sure delivers.

Melio simplifies accounts payable and receivable. It allows you to pay other businesses with a card or bank transfer even if that payment method is usually not available.

And you can set up your own payment page too. It only takes a couple of minutes and ensures your B2B clients will have the easiest payment experience.

Additional Melio features include a QuickBooks Online integration, payment tracking, 1099 form, and approval workflows—all designed to optimize your small business cash flow management without compromising quality.

Pricing

Melio doesn’t charge monthly or setup fees.

Senders pay a 2.9% processing fee for credit card payments while receiving money doesn’t cost anything. Sending and receiving checks, as well as bank transfers, are completely free.

Melio Best Features

Melio is the best payment gateway for small business contractors and merchant payments. Here’s why:

  • Free account
  • No contract
  • No fees for receiving payments
  • Cash flow management tools
  • Pay by card (even if it’s not usually an option)
  • Live customer support

What We Disliked

Even though Melio is marketed as a time-saving tool, the process of adding new vendors can definitely be improved. Right now, it is a bit time-consuming, just like its QuickBooks integration.

Melio User Reviews

Most users agree it’s the best payment gateway for accounts payable and receivable. It’s a simple no-fee and no-contract solution that saves time and does exactly what it promises.

That said, there are some complaints, though most issues are minor. Melio still doesn’t work for international vendors, which is a major drawback. Some clients also report minor payment delays.

Other than that, though, users still consider Melio a simple, time-saving solution.

We Recommend Melio For…

Melio is the best payment gateway for B2B payments.

Since it costs $0 and doesn’t require a contract, we don’t see any reason not to try it—it’s quick, convenient, and saves a lot of time.

Fondy
Fondy

BEST FOR EU SMBs

Starting at
1.8%+€0.2
  • Free trial Completely free
  • Credit card fee Varies
  • Dropshipping Yes
  • POS No
  • Mobile payments Yes
  • Recurring payments Yes
  • Fraud protection Good
  • Reporting Good
  • 100+ currencies
  • 300+ payment methods
  • Low fees
  • Multiple checkout options
  • Perfect for social media selling
  • One-time and recurring payment options
  • Higher fees for non-EU customers
  • Frequent declined card issues

Simple and well-integrated, Fondy is the best payment solution for accepting online payments without breaking the bank on fees.

What Is Fondy?

Fondy is an e-wallet and credit card processing gateway that helps you receive payments in 100+ different currencies. It offers both one-time payments and recurring billing and works smoothly for European and non-European customers alike.

If you own a subscription-based business, you might be better off choosing one of our top picks of recurring billing software solutions. These can help you handle not only recurring payments but discounts, invoices, free trials, etc.

Fondy’s ecommerce payment solutions include one-click checkout, in-app payments, and payment page design, customizable with CSS, your own logo, and translation in 14 different languages.

You can also create redirect checkout pages hosted on Fondy’s secure payment page. This is a great option for selling on social media—you don’t need your own ecommerce site, but you can still offer fast and secure payments.

Pricing

Fondy pricing depends on the number of card transactions, as well as the location of the buyer. They’re among the most affordable fees for website gateways—especially for a small volume of EU transactions.

For transactions up to 10,000 EUR/month, the following charges apply:

  • Card payments—1.8% + 0.2EUR
  • For non-European cards—3.2% + 0.2EUR
  • Bank transfers—1.4% + 0.2EUR

If the payments exceed 30,000 EUR/month, the fees are a little lower:

  • Card payments—1.6% + 0.2EUR
  • For non-European cards—3.2% + 0.2EUR
  • Bank transfers—1.2% + 0.2EUR

For sums above 30,000 EUR/month, contact the sales team to get a quote.

Fondy Best Features

Here’s what we liked the most about this online payment gateway:

  • Affordable payment processing
  • One-time and recurring payments
  • Multiple payment page and button options
  • Great for social media stores
  • 300+ payment methods
  • 100+ currencies

What We Disliked

Fondy was designed for international payments and currency conversion. However, it’s most affordable for EU-centric vendors since non-EU payment fees are way higher.

Fondy User Reviews

Fondy might not be as huge as Authorize.net or Skrill, but it’s one of the most unproblematic payment processors on this list. Users love the comprehensive payment gateway solutions and affordable international payment fees.

The most frequent complaints in Fondy reviews are about declined cards. It might be overactive fraud prevention or a system flaw—either way, Fondy, it’s time to step up your game!

We Recommend Fondy For…

Fondy is the best payment gateway for small business owners in the EU—it’s fast, well-integrated, and has some of the lowest fees for international payments.

BlueSnap
BlueSnap

BEST FOR MIDRANGE & LARGE COMPANIES

Starting at
2.75%+$0.30
  • Free trial Free over $2,500/month
  • Credit card fee 2.75% + $0.30
  • Dropshipping Yes
  • POS Yes
  • Mobile payments Yes
  • Recurring payments Yes
  • Fraud protection Great
  • Reporting Great
  • Robust feature offer
  • 100+ shopping cart integrations
  • Hundreds of payment methods
  • Automated workflows
  • Comprehensive safety and compliance
  • Detailed reporting and analytics API
  • No monthly fee over the $2,500/month transaction volume
  • Expensive for small businesses
  • Withheld funds complaints

Secure, fast, and global—BlueSnap is the ultimate growth-oriented payment platform. But who is it right for?

What Is BlueSnap?

BlueSnap is an online payment platform that integrates 100+ shopping carts and shopper currencies. It offers one of the most comprehensive, feature-rich payment gateway solutions we’ve seen.

It includes tools to automate:

  • Accounts receivable with QuickBooks, Xero, and more
  • Fraud and chargebacks through Visa, VMPI, the Chargeback Company, etc.
  • Regulation and tax compliance with Avalara, GDPR-friendly solutions, 3D securing, and more

BlueSnap is also a reporting champion that helps you unpack payment data and speed up reconciliation (your accountant will love you).

Pricing

BlueSnap’s Quick Start Pricing will set you back 2.75% + $0.30 per successful card transaction with no monthly fees for the first year.

If you’re processing more than $2,500/month, you’re also exempted from membership payments. Small businesses that don’t go over that number, though, will pay $75/month for maintenance.

Alternatively, you can go to sales and receive a personalized quote—if you’re processing a larger volume of transactions, this is a great way to negotiate a lower fee.

BlueSnap Best Features

  • Full-featured online payment platform
  • 100+ shopping carts and payment methods
  • Enhanced security and compliance
  • Automated workflow solutions
  • Comprehensive analytics
  • Over $2,500/month—no monthly fee

What We Disliked

While BlueSnap is a solid option for mid-range businesses, it’s not the best payment gateway for a small business. If you process less than $2,500/month, you’ll be paying a monthly fee along with the not-so-low transaction fees.

BlueSnap User Reviews

BlueSnap is a relatively popular payment service provider because it gives business owners everything they need—all in one neat package.

You can accept payments from all around the world, automate everything from compliance to bookkeeping, and get in-depth insights into your business transactions and performance. You can also get all these benefits with bookkeeping software.

The most frequent issues that users expressed were poor customer support and withheld funds. The latter seems to be a frequent complaint with all payment gateway companies—we wonder if it’s just people who never read the Terms & Conditions.

We Recommend BlueSnap For…

BlueSnap is an excellent all-in-one solution for mid-size and larger companies. It’s comprehensive and works well—but because of its monthly fee, it’s not the best payment gateway for small business owners.

Great Payment Gateways That Didn’t Make the Cut

There are tons of payment processing services. Some are up to par but still not good enough to make it to the top list. Hence, this honorable mentions list.

First comes PayPal Payments Pro—PayPal’s own ecommerce payment system.

It accepts 26 currencies, features a virtual terminal option, and even helps you with PCI compliance. But it’s also one of the pricier options—$30/month, plus 2.9% + $0.30 per transaction.

G2A is another good option—that’s right, the games marketplace. It offers a payment processing solution with 200+ integrated methods and slick integrations! And best of all, G2A payment fees are 0% if you hold a wallet with them.

Unfortunately, for the time being, it’s still a relatively rudimentary service, which is why it didn’t make it to our top list.

How We Ranked the Best Payment Gateways

With so many options, how did we pick the best payment gateways for 2021? Here’s our step-by-step review process:

Popular Choices

First, we looked at what businesses are actually using.

Popularity isn’t the best measure of quality, sure. But it’s still a good place to start the research.

We want to give you reputable, well-liked providers—not shady, all-promises-no-results ones. Knowing that established businesses use and love particular online payment providers is reason enough to test them out for you.

Useful Features

Next, we went to the payment processors and tried them out.

We checked what kind of tools they are offering—in terms of easier payment, integrations, automation, analytics, etc.

The more comprehensive a service offer, the better, right? Yes and no.

We also made sure the apps were easy to use and light—the last thing you want is your payment processor to crash.

Security

When it comes to gateway websites, security is key. Payment information is sensitive data and you want to make sure it’s well-protected. If you’ve read the scary hacking statistics reporting on stolen credit card information, you know you can’t be too cautious.

That’s why we looked at fraud protection, PCI compliance and certification, as well as chargeback prevention, which is especially important for ecommerce businesses.

Pricing

The best online payments services aren’t always the priciest. In fact, we found several high-quality budget-friendly providers—excellent options for smaller businesses and price-conscious entrepreneurs.

Target Users

Throughout the research, we kept this at the back of our minds.

Who is this product for?

Large international companies will benefit from certain things, while small up-and-coming ecommerce stores have completely different needs.

Pricing is a key factor here, but features and multi-currency coverage also matter. We tried to include an option for everyone rather than focusing on a specific target user.

Reviews & Ratings

Finally, we went through online ratings and reviews very carefully. We wanted to know what actual customers were saying about the products—as well as what the business owners thought.

And sure, the best payment gateway according to Reddit won’t necessarily be the best one for you—but it’s still a good reference point.

How to Choose the Best Payment Gateways

Now you know how we picked the best payment gateways. What else should you consider before making a choice?

  • Security and fraud protection—this should always be your #1 priority. If you’re not sure you’ll even get your money, all the other features become pointless.
  • Trust and usability—some gateways might be super functional, but if your clients don’t trust them, they’re useless. On the flipside, services like Google and Apple Pay are renowned and customers recognize them as reliable.
  • Time-to-buy—when in doubt, pick the faster option. The quicker a customer can check out, the higher your sales. That’s why tools like Google Pay actually boost sales—the short time-to-buy boosts conversions immensely.
  • Pricing—the payment gateway cost isn’t everything, but it’s important nonetheless. Consider the transaction fees and calculate which providers you can afford without sacrificing revenue.
  • Range of solutions—explore the different shopping carts, buttons, and integrated solutions the provider offers. Make sure they have the one you need—e.g., hosted checkout pages or a one-tap payment option.
  • Chargeback protection and liability—chargebacks and refunds are inevitable, but that doesn’t mean they’re good for business. Some payment providers have excellent chargeback-prevention systems—Apple Pay might even reduce your liability for certain frauds.

These are just some of the factors affecting how well a certain tool will work for you.

And, of course, there is no one-size-fits-all solution. But there are plenty of great payment portals out there—just look around a bit and you will find your own.

Wrap Up

Picking a payment processor for your business is no easy feat. You want an affordable solution, but also one you can trust and that fits your clients’ needs as well.

We hope our best payment gateways selection will serve as a starting point for your research. Make sure to shop around for the best option—it will surely pay off.

FAQ

What Is a Payment Gateway?

Payment gateways are the intermediary between the merchant and the client’s bank account.

They capture the customer’s card details, validate and encrypt them. This way, the payment can travel safely from one account to the other.

What Are the Best Payment Gateways?

Some of the best-known payment gateway providers include Skrill, Google Pay, and Apple Pay. Other high-quality options are 2checkout, BlueSnap, and Melio (which is the best B2B provider).

Ultimately, the best payment platform depends on what you need.

Check out our list of favorites—it’s a great starting point to help you find the right gateway for your business!

What Is the Most Secure Payment Gateway?

All reputable payment processing providers have solid safety protocols. That said, our top picks in terms of security include 2checkout, Skrill, and Authorize.net.

Which Payment Gateway Is Best in UAE?

2checkout is the best payment gateway for the UAE. It supports ten different payment methods, including all major cards, as well as PayPal and Skrill. The gateway fee is 4.5% + $0.45.

Which Payment Gateway Is Best in the UK?

The top payment gateway options for UK merchants include Neteller, Square, and BlueSnap. That said, virtually all top online payment platforms are available in the UK—just pick the one that best fits your business.