Top 10 Payment Gateways to Consider For Your eCommerce Success

Top 10 Payment Gateways

Owning a payment gateway can be a valuable tool for your ecommerce business. It should be designed according to your needs. It enables you to offer a single, integrated solution for point of sale (POS) and payment processing which can be offered to merchants as a substitution of the present payment gateway.

To ensure that merchants do not compromise with their current provider, your payment gateway must be secure to lessen the risk of charge backs, and have a more extensive scope of alternatives for making payments. It even offers focused expenses, end-to-end client support, faster settlement, and excellent reporting.

How Payment Gateways work?

How Payment Gateways work?

The motto behind payment gateways is to make payment-processing effective, secure, and hassle-free. Below are the steps showing how payment gateways work:

  1. It starts working the moment customer places an order on an eCommerce website and fills their credit card essentials.
  2. The web browser encodes the data to be sent between it and the merchant’s web server.
  3. Next, the gateway sends the transaction data to the payment processor used by the merchant’s acquiring bank.
  4. The payment processor sends the transaction data to a card affiliation.
  5. The credit card’s issuing bank sees the approval request and “approves” or “denies.”
  6. The processor then forwards an approval related to the merchant and customer to the payment gateway.
  7. Once the gateway acquires this reaction, it transmits it to the site/interface to process the payment.
  8. Clearing Transactions is activated once the merchant has completed the transaction.
  9. The issuing bank changes the “auth-hold” to a debit, permitting a “settlement” with the vendor’s securing bank.

Factors to Consider

Before you make a decision to choose any one out of above given payment gateways 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 payment 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 accompanies multi-currency support.
  • To know which products (digital or physical) you can sell, look at the terms and conditions of the payment gateways. This is because some may just permit offering physical goods.
  • Look at whether your payment gateway accepts MasterCard, Credit card, or PayPal payments.
  • Ensure that the payment gateway does not require your clients to fill unnecessary fields.

Payment gateway solutions achieve many important tasks in online buying and transaction management. Instead of transmitting payments, payment gateway approves the funds that is 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.

While choosing your payment gateways, ensure it meets all the requirements of your business, and depends on experts’ suggestion 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 merchant’s online site. It offers a secured checkout experience to customers, thus encouraging them to return to the website. It is an ideal gateway for companies looking to process payments proficiently and enhance their order management.

It is now ready to grow into traditional eCommerce sites that allows exchange of products or services. It offers an online payment gateway to new and developing organizations that empowers them to speak to organizations that may not have the capacity to manage the payment structure.


PayU Money

PayU, a product of an Indian payment-processing corporation, is the easiest payment solution 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‘ API’s and SDKs helps connect this platform to any website, application, or associated third-party systems.

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. It even stores all credit vault information, so that neither the merchant nor their customers would need to key it more than once.

Amazon Payments

Amazon Payments

Amazon 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. 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 offers no additional charges for its A-to-Z Guarantee, which makes the transaction 100% secure. As it is with most payment gateways, customers are charged a fixed percentage of the amount they are transferring. Amazon payments can be made in several languages and support all leading currencies in order to reach out to international audiences.



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.

Merchants deal with their account 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.



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 payment gateway does not require any setup expenses, gateway fees, or monthly charges.

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 into 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.



Skrill is a very effective UK-based 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 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.

There are no charges on creating an account on Skrill, but there are a fixed percentage of charges on what they are sending or receiving. On the sender’s side, this charge is as little as 1% of the transaction’s value, which makes Skrill an ideal choice to many other costly platforms and gateways around the world. Skrill is simple to connect to any bank account globally, and takes good care of the security of your payment data.



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 gateway allows merchants to agree on mobile and online payments from buyers globally delays or security issues.

It supports different languages with different currencies with a sandbox feature that connects you to the marketplaces. Keeping your business in mind, it customizes the every single detail of your checkout to guarantee how personalization can deliver a great customer experience.



Set up in 2010, Stripe provides payment-processing services 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 enable you to customize the platform as per your necessities. It goes with a prevailing productivity software family that comes with a set of open API to support you connect it to the rest of your business ecosystem.

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 take 7 days to process your payment and has no hidden expenses.



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

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. Payment options are adaptable to suit different industry standards, thus making it a perfect choice for handling FOREX market companies, freelancers, and so on.



A dedicated payment processor for merchants and retailers, BlueSnap allows payments for eCommerce, mobile, and web development. 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.

The platform helps you enhance your eCommerce business by supporting payment types with different languages and currencies. 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.


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 payment 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 rely on quality standards and policies, and secures the available sensitive data.

For more information on payment gateways and processing solutions, or any other digital assistance, email us at [email protected] or write in the comments section.

Shaveta Wadhwa

About the Author

Shaveta Wadhwa is currently working as a Tech Lead in PHP at Net Solutions. She has over 8 years of experience in PHP, working on ecommerce platform like Magento, CMS like Wordpress and Drupal, and frameworks like CakePHP and CodeIgniter. She is a Magento Certified developer who loves debugging codes and finds herself always up for problem solving. She strongly believes that a developer must be skilled in unit testing too and should take full responsibility in identifying and fixing the errors and bugs in the code. In her free time , she loves to try out new recipes.

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..