Top 10 Payment Gateways to Consider For Your eCommerce Success

Top 10 payment gateways for eCommerce platform

In today’s digital era, online payments are becoming ubiquitous, and businesses are finding ways to deliver seamless eCommerce customer experience through payments. According to Accenture, with an expansion in the payments universe, customer experience is becoming the prime competitive differentiator.

Thus, integrating a payment gateway to an eCommerce platform is becoming an indispensable way to increase sales for every eCommerce store. For instance, an ideal content + headless CMS integration delivers an excellent customer experience by removing barriers to checkout.

Research has suggested that 86 percent of customers do online shopping using credit or debit cards.

What is an eCommerce Payment Gateway?

A payment gateway is a software application that enables the secure transfer of credit card information from a website to the credit card payment network for eCommerce payment processing. Then it returns transaction details and responses from the payment network back to the website.

Although online transactions appear to be quick and straightforward on the plain surface, in reality, a number of processes work together at the backend to move funds seamlessly and securely from buyer to seller.

The Javelin Strategy & Research, 2018 monitored and evaluated the consumers’ payment preferences, which indicates the need to integrate an eCommerce payment system to any online site.

2019 Consumers habits on payment gateways

How does an eCommerce Payment Gateway Work?

The motto behind payment gateways is to make payment-processing effective, secure, and hassle-free. Instead of transmitting payments, payment gateway approves the funds that are transferred to the seller, and do as such in a safe and secure way for the buyer.

Payment gateways even observe PCI compliance standards, introducing myriad security techniques as expected, to prevent fraud. Below are the steps showing how payment gateway for eCommerce works:

Step 1: The process starts as soon as a customer places an order on an eCommerce website and fills their credit card essentials.

Step 2: The web browser encodes the data to be sent between it and the merchants’ web server.

Step 3: Next, the gateway sends the transaction data to the payment processor used by the merchants’ acquiring bank.

Step 4: The payment processor sends the transaction data to a card affiliation.

Step 5: The credit cards’ issuing bank sees the approval request and “approves” or “denies.”

Step 6: The processor then forwards an approval related to the merchant and customer to the gateway.

Step 7: Once the gateway acquires this reaction, it transmits it to the site/interface to process the payment.

Step 8: ‘Clearing Transactions’ is activated once the merchant has completed the transaction.

Step 9: The issuing bank changes the “auth-hold” to a debit, permitting a “settlement” with the vendors’ securing bank.

working of ecommerce payment gateway v1

Factors to Consider When Choosing a Payment Gateway

Before you make a decision to choose an eCommerce payment gateway, depending upon your business and functional requirements for your eCommerce business, given below are the factors you need to consider:

  • Check out the transition fee related to the payment gateway; ensure that it falls within your budget.
  • Avoid gateways where you need to go through a sign-up procedure repeatedly.
  • If you want to be a successful eCommerce leader, you need to increase your eCommerce business worldwide. Look for payment gateways that accompany multi-currency support.
  • To know which products (digital or physical) you can sell, look at the terms and conditions of the top payment gateways. This is because some may just permit offering physical goods.
  • Look at whether your gateway accepts MasterCard, Credit card, or PayPal payments.
  • Ensure that the eCommerce payment gateway does not require your clients to fill unnecessary fields.

Top 10 Payment Gateways for Your eCommerce Business

While choosing your payment gateways, ensure it meets all the requirements of your business and depends on experts’ suggestions based on reviews or feedbacks. Here are the top 10 payment gateways that we recommend to suit your business needs:


Established in the year 2012, Braintree presently tops the mobile payment gateway platform. Financed by venture capitalists and enthusiastic investors, Braintree is different in its programming and the code can be set specifically into a merchants’ online site.

Braintree v1

As a PayPal service, it offers a secure checkout experience to customers, thus encouraging them to return to the website. It is an ideal payment gateway for eCommerce businesses looking to process payments proficiently and enhance their order management.

Braintree Processing Fees: Standard 2.9% + $0.30 fee for every transaction you process through it.

Top Brands Using Braintree Payment Gateway: Uber, Dropbox, GitHub, and Yelp

Pros of Braintree Payment Gateway:

  • Predictable flat-rate pricing
  • Availability of extensive integrations
  • Multi-currency options

Cons of Braintree Payment Gateway:

  • Businesses without developer resources can’t use Braintree’s API
  • No integrated online and offline solution
  • Long setup times for account


PayU, a product of an Indian payment-processing corporation, is one of the easiest eCommerce payment solutions designed to fill in the gaps left by complex service providers. PayU is favored because of its best conversion rates and acceptance over several other payment methods. The PayuBiz‘ APIs and SDKs help connect this platform to any website, application, or associated third-party systems.

PayU payment gateway

PayU allows payment with just a single tap. It made an important technological breakthrough by allowing second-time/repeat customers to skip keying-in their CVV repeatedly. The platform even allows reading and submitting OTP on behalf of the customers, and conforms to the highest PCI and DSS standards to ensure payment information.

PayU Processing Fees: 2.9% with an additional $0.30 per transaction

Top Brands Using PayU Payment Gateway: Netflix, Airbnb, and Bookmyshow

Pros of PayU Payment Gateway:

  • Tokenization allows you to store your customer’s credit card data safely
  • Go live within minutes and start accepting payments in less than 5 minutes

Cons of PayU Payment Gateway:

  • High frequency of crashes and lags
  • Frequent changes in business model

Amazon Payments

Amazon is an eCommerce payment gateway that provides a secure and simplified payment service for customers. To facilitate their online buying, the service is available to both merchants as well as customers. It completely works on the data that is already inserted by the customer in their Amazon account to complete check-ins and checkouts.

Amazon pay top payment gay

With the help of a single login, the customer is instantly recognized and allowed to complete the transaction through either a web or a mobile. Amazon payments can be made in several languages and support all leading currencies in order to reach out to international audiences.

Amazon Payments Processing Fees: 2.9% on domestic transactions with an additional $0.30 per transaction. International fees escalate to 3.9%.

Top Brands Using PayU Amazon Payments: Lootcrate, Rothys, and MVMT Watches

Pros of Amazon Payments Gateway:

  • Amazon offers no additional charges for its A-to-Z Guarantee, which makes the transaction 100% secure.
  • Easy to customize Amazon Payments into the existing look and feel of your site.

Cons of Amazon Payments Gateway:

  • Expensive for high-volume merchants
  • Not recommended for businesses looking for one processor to handle both in-person and online transactions


Established in 1996, it is considered as one of the popular payment gateways for the eCommerce business. About 400,000 merchants use Authorize.Net payment gateway through credit cards and electronic checks. 83% of Authorize.Net customers are in the United States payment gateway

Merchants deal with their accounts via Authorize. Net’s Merchant Interface. They can set up several accounts of a user to control access for every user. With an extra feature, is an easy win to maintain your online business. Experts even consider it to be a good match for Magento stores and eCommerce.

Authorize.Net Processing Fees: 2.9% on transactions with an additional $0.30 per transaction for their “all-in-one” payment provider option.

Pros of Authorize.Net Payment Gateway:

  • Wide range of currencies supported
  • Robust security and anti-fraud features
  • No long-term contracts

Cons of Authorize.Net Payment Gateway:

  • High flat-rate pricing for an optional merchant account
  • The all-in-one option may confuse customers


Founded in 1999, both MasterCard and credit card payments can acknowledge it, and is free for buyers, while merchants need to pay transition fees while using PayPal for Visa payments. This eCommerce payment gateway does not require any setup expenses, gateway fees, or monthly charges.

Recently, PayPal has completed the acquisition of Honey Science Corp. (a digital shopping and rewards platform) for about $4 billion in cash.

PayPal gateway

The advantage is that merchants do not have to pay once the sale is done. While using PayPal Standard, customers may leave the site to checkout and sign in to their PayPal account or they can pay via credit card or Visa without signing up. PayPal Pro enables merchants to have and modify their entire check out process so that consumers do not have to leave the site. It also accepts credit cards via fax, mail, or phone.

PayPal Processing Fees: 2.9% per transaction, with no monthly fees

Top Brands Using PayPal Payment Gateway: Adidas, Disney, ASOS, and Etsy

Pros of PayPal Payment Gateway:

  • Ideal for low-volume merchants
  • Predictable flat-rate pricing
  • All-in-one payments system

Cons of PayPal Payment Gateway:

  • Not suitable for high-risk industries
  • Inconsistent customer support

Here’s How We Launched a Unique Fashion Brand Using Magento eCommerce

Olah Inc. approached Net Solutions for the development of an e-store named The Style Library LLC. designed to serve an exclusive class of customers. The major requirements of the client were:

  • Exclusivity on the site (to ensure that they work with and maintain top-notch clientele.)
  • Maintaining the inventory of the store, along with sending regular reminders to customers who have items on loan
  • Integrating easy payment options to make the experience pleasant and seamless for customers

Read the case study to understand how we built a personalized Magento eCommerce website for our client, integrated with PayPal Pro payment gateway for secure payment processing.

How Net Solutions Launched a Unique Fashion Brand Using Magento eCommerce


Skrill is a UK-based eCommerce payment gateway designed for both businesses as well as consumers. With the help of Skrill, you can make international transactions, pay for products and services wherever you are with the help of a dedicated mobile app. Active users can submit a request for a prepaid Master card, and use it to pull back assets/buy products wherever they might be.

Skrill eCommerce payment gateway

Skrill is simple to connect to any bank account globally and takes good care of the security of your payment data. There are no charges on creating an account on Skrill, but there is a fixed percentage of charges on what they are sending or receiving.

Skrill Processing Fees: 1.9% transaction fee

Pros of Skrill Payment Gateway:

  • Supports in-app payments
  • Integrates with third-party shopping carts
  • Hosted payment page

Cons of Skrill Payment Gateway:

  • Expensive fees (Convenience comes at a price, with lots of fees, including a currency conversion fee of 3.99%)
  • Account stability issues


If you are looking for instant payments, there is nothing better than 2CheckOut. It is a fully-featured payment processing solution that appears on all similar top lists and classifications. This prominent US-based top payment gateway enables your business to be a global moneymaker with 15 different languages and 87 currencies.

It supports different languages with different currencies with a sandbox feature that connects you to the marketplaces. Keeping your business in mind, it customizes every single detail of your checkout, thereby delivering a personalized user experience to your customers.

2CheckOut Processing Fees: 2.9% + $0.30 per domestic transaction

Top Brands Using 2CheckOut Payment Gateway: Bitdefender, Advisera, and myFICO

Pros of 2CheckOut Payment Gateway:

  • Accessible documentation resources make customization onto your site simple and easy
  • Ideal for international merchants
  • Excellent website & advertising

Cons of 2CheckOut Payment Gateway:

  • Not suitable for card-present merchants
  • Not good for high-risk merchants


Set up in 2010, Stripe is one of the top payment gateways that provide payment processing solutions to merchants. Their wide developing tools set them apart from other payment processing suppliers. Stripe has an important commitment to your eCommerce as a capable and adaptable API, which enables you to customize the platform as per your necessities.

Stripe is a top payment gateway

It counts several incorporated applications: this means that you are not required to be an expert in coding: you can begin using it instantly. This online payment takes 7 days to process your payment and has no hidden expenses.

Stripe Processing Fees: 2.9% + $0.30 per domestic transaction

Top Brands Using Stripe Payment Gateway: Slack, Shopify, GitHub, and Spotify

Pros of Stripe Payment Gateway:

  • Accessible documentation resources make customization onto your site simple and easy
  • Ideal for international merchants
  • Excellent website & advertising

Cons of Stripe Payment Gateway:

  • Not suitable for high-risk industries
  • Account stability issues


Orangepay is one of the top payment gateways. It is known for assisting difficult tasks, as it can offer you comfort and reduce risks by guaranteeing consistency with laws while offering assurance from fake transactions through various highly secured tools. Orangepay reduces the risk of rebelliousness for different approaches. Likewise, it includes SSL-encryption and 3D security to secure your private information.

Orangepay payment gateway

This payment gateway solution provides great comfort to users by supporting a vast selection of popular payment channels including VISA or MasterCard, Bitcoin, Qiwi, PayPal, and Krill, etc. In 2018, it received the ‘Great User Experience’ award by FinancesOnline. Payment options are adaptable to suit different industry standards, thus making it a perfect choice for handling FOREX market companies, freelancers, and so on.

Pros of Stripe Payment Gateway:

  • Anti-DDoS
  • Chargeback Control
  • Remote Account Opening

Cons of Stripe Payment Gateway:

  • Not suitable for high-risk industries
  • Inconsistent customer support


A dedicated payment processor for merchants and retailers, BlueSnap helps you enhance your eCommerce business by supporting payment types with different languages and currencies. One can coordinate it with all top marketplaces and shopping cart platforms with direct payments. One can even make use of it to create exclusive desktop and mobile applications for SaaS, gaming, invoicing, and so on.

Bluesnap ecommerce payment gateway

It is completely operable as well as active and interfaces naturally to a worldwide network of procuring banks to guarantee the best conversion rates for every client. It is even notable for its Subscription Billing Engine, and clients can pay without the inconvenience of entering MasterCard or credit/debit card data.

BlueSnap Processing Fees: 3.9% + $0.30 per domestic transaction

Top Brands Using BlueSnap Payment Gateway: Vodafone, Semrush, Cakemail, and Autodesk

Pros of BlueSnap Payment Gateway:

  • Month-to-month contracts with no early termination fee
  • Fully-featured payment gateway

Cons of BlueSnap Payment Gateway:

  • Flat-rate pricing is expensive for medium or larger-sized businesses
  • $75 per month account maintenance fee for merchants processing less than $2,500


Payment Gateways are the future of B2B eCommerce business. They build a secure link between the website/browser, and the payment processor, thus encrypting payment data for every credit/debit card transaction.

The top 10 payment gateways that we shared offer easy, quick, seamless, and secure transactions. So, with the varied gateway options that we have shared, we hope now it will be easy for you to decide which one to pick for your eCommerce platform. Therefore, make an appropriate choice for your online store that relies on quality standards and policies, and secures the available sensitive data.

Build an eCommerce store with Net Solutions

Shaveta Wadhwa

About the Author

Shaveta Wadhwa works as a Tech Lead (PHP) at Net Solutions. She has over eight years of experience in PHP and has worked on eCommerce platforms such as Magento, CMS, such as Wordpress and Drupal, and frameworks like CakePHP and CodeIgniter. Shaveta is a Magento Certified developer who loves debugging codes and finds herself always up for problem-solving.

Leave a Comment


6:16 PM, Sep 18, 2019

Nice comparision: I also checked recently g2a pay because I was encouraged free access for 30 days and to be honest that for me the payment gateway worked even better. The big advantage is the service of over 200 payment methods, and it makes an impression!

alisha james

5:57 PM, Apr 02, 2019

The blog is very in-depth, good job


11:02 PM, Mar 11, 2019

Any scope of payment gateways i want to make a career in payments gateways


11:25 PM, Nov 06, 2018

well detailed post.. thanks alot.. i was researching a payment gateway i could use for my online store when i came across your post.. i am based in ghana but i run an international ecommerce store.. for my local customers, i am able to use a mobile money wallet system to help them make purchases on my store but for the international clients, its a different story.. thus why i am on your page..

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