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The Best Payment Gateways for Ecommerce Businesses

payment gateway

The Best Payment Gateways for Ecommerce Businesses

If you’re an ecommerce business owner, you know that choosing the right payment gateway is essential to your success. But with so many options available, how do you know which one is right for you? In this article, we’ll explore the best payment gateways for ecommerce businesses and help you decide which one is right for you.

What is a Payment Gateway?

A payment gateway is a service that enables merchants to accept payments over the Internet. There are many different payment gateways, some of which are better suited for certain types of businesses than others. For example, if you have a business that sells physical goods and only accepts card payments, you would need an ecommerce payment gateway.

If your business sells digital products or services, you would need a different payment gateway – one that can process online credit card transactions and other forms of online payments such as PayPal.

A merchant can choose from a range of payment gateways depending on their needs and wants. This article highlights some of the best payment gateways for e-commerce businesses in 2022.

What are The Most Popular & Reliable Payment Gateways?

Payment gateways are a vital component of the e-commerce industry. They allow merchants to accept payments from customers and process them through their bank accounts.

shopping on laptop and mobile banking using credit card and mobile phone app
Image Credit: Shutterstock

The most popular and reliable payment gateways in the year 2022 are:

1. PayPal


  • Easy transactions.
  • Simple and quick setup.
  • An utterly safe payment environment.
  • It has a wide variety of payment plans.

PayPal is the most popular payment gateway across the world. If you are a frequent buyer or seller on e-commerce sites, you’ll know about PayPal.

This software is a top-tier payment gateway option with a reputation for its service and security. The ease of use means you don’t have to worry about learning any other new process for managing your transactions.

PayPal is a popular payment solution, and many of your customers may already use it. It’s more secure than some other systems, so there is less chance of fraud or data theft.

It accepts Credit cards, debit cards, PayPal Credit, and Venmo – meaning you’ll have a ton of possibilities for accepting payment. Your website will have a higher conversion rate of 82% if users can use the PayPal checkout option.

With this deal, you’ll be able to accept international payments with a straightforward procedure. The fee for any ecommerce sales in the US is only 2.9% + $0.30 per transaction, which is a great price! Unlike international payments, which tend to be more expensive, costing up to 4.4%.

PayPal is easy to use and comes with detailed, affordable pricing. Sellers can receive payment via this one quickly, and buyers have the same easy access to purchase what they want.

2. Stripe


  • Accepts both credit and debit card payment
  • The convenient interface of mobile to customer
  • Checkouts are embeddable
  • Allows multicurrency payouts

Stripe is a payment gateway that has been operating since 2010. Stripe is one of the most popular payment processors globally, with over 2 billion dollars processed annually.

Stripe was founded in 2010 by John and Patrick Collison, two Irish brothers who were inspired to create a more efficient credit card payment system. They were both educated at MIT and started their company right after graduating.

This platform is designed to make it easier for businesses to accept credit cards online, which can be integrated into an ecommerce website or used as a standalone service. The card processing service offered by Stripe is free for transactions under $1,000 per month and charges 2.9% plus 30 cents per transaction after that.

3.  Amazon Pay


  • Automated Payment option.
  • Checkouts are Online.
  • It integrates Merchant Websites.
  • Safety features that protect from fraud.

Amazon Pay is a payment gateway that enables Amazon customers to use the information they have stored in their Amazon account, such as name and email address, to complete a purchase.

Amazon Pay is a payment gateway that enables Amazon customers to use the information they have stored in their Amazon account, such as name and email address, to complete a purchase.

In addition, this payment gateway allows Amazon customers to purchase products and services on third-party websites. It was introduced in 2007, and as of 2018, it has been integrated into around 400 partner sites.

It is one of the best payment gateways for ecommerce businesses. It has many features that make it an attractive option for buyers and sellers.

4. Payment Depot


  • Affordable membership fee
  • No cancellation fee
  • Low processing fee
  • Allows transactions using major credit cards

If you’re looking for a payment gateway, Payment Depot offers the right option with the best low pricing. Different membership options come with the convenience of credit card processing.

With the low processing fee of $0.05 a month for an unlimited membership, you’re getting much more value than if you just paid per transaction. The one-time payment may seem costly at first, but it’s pretty affordable and unleashes a lot of savings over time.

Fixed rates allow for greater flexibility and vary from $0.05- to $0.15 per order depending on the company’s size and quality of service. As a large business, this fee is a significant saving for you!

One slight downside to the Payment Depot is that it will cost you a hefty upfront fee. However, if you opt for the annual membership, various discounts and two monthly money-back guarantees offset that fee.

5. Google Pay


  • Quick and safe transactions
  • Easy to use and get started
  • Compatible with the Shopify
  • Has a Full API access

Google Pay is a popular digital wallet payment option that’s trusted worldwide. For this reason, most people use it for their transactions, which are done quickly and efficiently.

If you’re looking to start an ecommerce website for the coming year, switching to Google Pay is likely a good decision.

Adding a convenient payment gateway like Google Pay will help your customer enjoy their shopping experience. You will much appreciate the service’s ease and security.

Google Pay was made for ecommerce shoppers and mobile app use. It’s an offshoot of Google which adds to its reputation and makes you feel secure.

Google Pay API is an easy way to accept credit cards on your website. Leading companies like StubHub have seen a 600% increase in sales since it launched, and their visitors seem to like Google Pay best. You can integrate the API into your ecommerce platform with ease regardless of the size of your business.

To enable Google Pay on your site, the first thing you will want to do is gain access to the API. It is also compatible with most leading ecommerce sites that have gained momentum in the world market.

7. Apple Pay


  • It’s simple, fast, and easy to use.
  • Accept payments from customers with just a touch of their finger on the Touch ID sensor.
  • Accept credit card payments on your iOS device.
  • The devices need to be running on iOS 8 or higher, and the retailer needs to support NFC payments.

Apple Pay is a payment gateway that allows merchants to accept credit card payments on their iOS devices.

This is one of the most popular mobile payment systems in 2022. It has been around for years, and it continues to be a leading contender in the industry.

Apple Pay works with iPhone 6, iPhone 6 Plus, iPad Air 2, and iPad mini 3. The devices need to be running on iOS 8 or higher. Apple Pay also requires an NFC-enabled point-of-sale terminal, which you can find at most retailers today.

8. ProMerchant


  • Setting up a shopping cart is easy
  • Allows monthly contracts
  • Efficiently processes online credit and debit
  • Includes a virtual terminal

ProMerchant has merchants covered for all of their hosting and payment needs. With their virtual terminal, you get all the services without investing in expensive equipment.

You can easily accept credit card payments on any text or voice transaction by either email, text, or phone. You can also use the buy now button on your website.

This software is a leading payment gateway. They can sign up for your website through and thus get your business access to various payment options such as credit cards, PayPal, Apple Pay, etc. Customers can then quickly pay for their products or services right on your site.

ProMerchant’s virtual terminal adds flexibility to how you can accept payment. You could use the mail, email, or phone to facilitate payments – you choose what suits your customer best. This enables them to pay smoothly with less effort.

This payment software has two pricing plans- Interchange Plus Flat Monthly Fee and Interchange Plus Fixed Rate.

9. 2Checkout


  • Its modules are scalable
  • You can quickly sell in over 200 countries
  • No startup fee
  • Allows subscription billing, among other features

Your business is constantly growing, and you’ll need to make sure that payment processing is reliable. As you’re trying to expand into new markets or launch into a global business, this detail should already be taken care of by a company like 2Checkout.

2Checkout is a modular solution that saves you time and money. You can also plug in the modules you need, and you can be up and running with less hassle.

These payment features are great options for anyone with ecommerce needs. You can get things set up to your personal preferences and then move forward in phases if you want to add more automation later.

2Checkout offers a range of features that you don’t get with most payment gateways, such as international credit card processing. This is done via e-commerce methods such as debit or credit cards and PayPal.

One of the most incredible things about 2Checkout is its integration with over 200 countries. Additionally, if you use their 2Monetize platform, they’ll take on all the heavy work (VAT and regulatory compliance).

You have to pay as soon as you make a sale with any of 2Checkout’s solutions. They offer several different services that are entirely free to use until they’re ready to purchase anything, which is excellent for people who want to feel confident with their decision before starting the software.

Once you start selling, you pay 2Sell’s small transaction fee: 3.5% + $0.35 for each transaction. Its base-level plan is relatively inexpensive.

10. PaymentCloud


  • It collaborates with major ecommerce businesses.
  • It does not require cancellation and setup fees.
  • It has an inbuilt shopping cart.
  • It allows credit, debit, and e-checks

PaymentCloud is one of the best choices on the market, providing you with a fast and easy way for customers to make payments and boasting top-of-the-line security. It offers fraud protection and chargeback protection to keep your business safe.

What makes them unique from other merchant solutions is that they can work with a broader range of clients. They have systems to accommodate risks outside those typically accepted by other merchant solutions and can offer payment options for high-risk businesses, such as adult products.

The payment gateway provides invoices, subscriptions management, and safe transactions at both ends. All payment information goes through a secure SSL connection or the PaymentCloud servers.

When integrating a shopping cart with PaymentCloud, you get the same level of convenience and security as for payments. The integration process is seamless.

man using his computer laptop and holding credit card intent to shopping online concept
Image Credit: Shutterstock

5 Reasons Why You Need a Payment Gateway To Grow Your Ecommerce Business

As mentioned above, a payment gateway is a third-party service that handles the processing of payments for an ecommerce website.

It’s essential to have a payment gateway to accept payments from your customers.

The following are five reasons why you need a payment gateway to grow your ecommerce business:

  1. Customer satisfaction- With a payment gateway, you can process transactions and provide your customer with an easy way to pay for their order.
  2. Expanding internationally- A customer from another country will be more likely to buy from your store if they can pay in their currency.
  3. Payment security- They provide a secure way to process online payments and are necessary for any business that sells products or services online.
  4. Payment flexibility- Payment gateways allow you to offer different payment options, making it easier for customers to purchase from your site.
  5. International Shipping- A payment gateway is also necessary when you want to sell your products outside of your country. For example, if you live in the United States and want to sell products in India, you need a payment gateway that will allow Indian Rupees (INR) transactions.


Payment gateways can take care of all the payments from your customers, making it easier for you to manage and process them. They also allow you to accept different payments from different countries, which is an excellent way to expand your customer base.

Lastly, they provide security to your customers by encrypting their sensitive information and protecting it from any malicious attacks. So join the trend and equip your business with any of these payment gateways options.

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