It is easy and simple to make and process debit and credit card payments online with the best payment gateways.
Payment gateways allow you to accept card payments online or in-store. This allows for quick and simple credit card payment processing online and offline. The payment gateway systems can also be used with Point-of-Sale (POS) in-store processing.
Payment gateways allow merchants to charge cards. Any fees that are incurred by the merchant or business owner are charged to them. Rates range from 1.4% to 3.5% and sometimes there are no monthly fees.
Processing fees can be reduced if you have merchant accounts. These fees are usually around 0.10%-20% per transaction and come with monthly fees.
RECOMMENDED VIDEOS FOR YOU…
A simple payment gateway is a great way of handling low volume sales. You may find that monthly fees, which can be more costly than processing fees, are less important once your sales volume is high enough to justify paying a monthly fee for merchant processing.
Many of the top payment gateways offer both these options or an equivalent advantage over their competitors. These can be in the form processing fees for specific cards or direct integration into accounting program. This is also true for those who have accounting software requirements in the UK.
Many of the top payment gateways offer both these options or an equivalent advantage over their competitors. These can be in the form processing fees for specific cards or direct integration into accounting program. This is also true for those who have accounting software requirements.
Some of the most popular payment gateway APIs allow developers to interface with their systems in a variety of ways. For example, some APIs allow you to directly send payments through the API, while others provide access to various payment processing tools. Additionally, API providers like Brassica offers support for global transactions as well as regionalized payments.
The best API providers also have robust documentation and customer support resources available. If you require assistance configuring your development environment or troubleshooting any issues, the provider’s team is likely to be able to help.
These payment gateways were compared on many levels, including their ease of setup, ease-of-use, pricing plans and mobile payments. We also reviewed their security features and the currencies they accept, as well as which types of businesses they would be best suited for.
Below are the top payment gateways currently available.
- We also feature the best tax software.
Here are the top 2022 payment gateways
PayPal Make payments easy with the simplicity of PayPal . (Image credit to PayPal)
1. PayPal
The best trusted payment solution
Specifications
Yes, global processing
Rates Variable
POS integration: Yes
Mobile payments: Yes
Today’s Top Deals
VISIT WEBSITE (opens new tab)
There are many reasons to buy
+Easy to set up and use+Many buyers have PayPal accounts+Customization options
Avoidable reasons
You will need a PayPal account.
PayPal is the most popular online payment platform. It was founded in 1998 by Cofinity and allows you to make and receive payments around the globe.
PayPal offers payment processing services to e-commerce sellers, auction sites, and other commercial entities worldwide. It allows you accept Visa and Amex credit cards. PayPal also allows for easy cart integration, many customization options, online billing, and facilitates credit card payment over the telephone.
PayPal is often associated with the online marketplace eBay. However, it is worth noting that PayPal has been discontinued as eBay’s primary payment option since 2020. Adyen was chosen by the company, although PayPal remains an optional payment option. eBay stated last year that it made this move to provide customers with more competitive prices.
The pricing is very competitive with card processing charges at 2.9% per transaction and no monthly fees. This makes it an ideal option for small and new businesses.
PayPal – Fast and simple card processing
PayPal offers regular incentives and deals, just like all the top credit card processing companies. Check out the most recent methods to process credit and debit cards payments including point-of-sale QR codes and many other small-business-friendly options.
See Deal
Developer tools are a must for Merchants (Image credit: Stripe).
2. Stripe
Best developer-first payments technology platform
Specifications
Global processing
Variable rates
POS integration: Yes
Mobile payments: Yes
Today’s Top Deals
VISIT WEBSITE (opens new tab)
There are many reasons to buy
+Built in APIs and Developer Tools +Mobile Payments
Avoidable reasons
Technology understanding is required
Stripe, another payment platform for internet businesses is also available. The company claims to have processed billions of transactions each year. This service is different from many others because it doesn’t come with a pre-designed solution. Instead, you are provided with flexible tools that allow you to tailor your payment process.
It is designed for larger companies and provides a wide range of APIs that enable you to create subscription services, on demand marketplaces, crowdfunding platforms, and other business applications. It supports many languages of development, including Ruby, Python and PHP.
Stripe also supports over 100 currencies and features such as subscription billing, mobile payments and one-click checkout. A dashboard allows users to view transactions. This is clearly a very feature-rich payment gateway. However, Stripe requires a lot more technical knowledge than other providers.
Merchants located in Europe have an advantage with Stripe. The card processing fees for European cards is 1.4% + a small transaction fee. Non-European card processing fees will be charged at 2.9% plus a small transaction fee. It also offers a custom plan that allows for higher volume and discounts.
See our complete Stripe review.
Stripe – Card payment processing made easy with ease
Stripe offers a variety of payment options that make it easy and quick to process card payments. You can use it to manage your card payments. It has a simple, pay as you go pricing system with a 2.9% + 30C per successful card charge. Stripe’s website. current best deals .
” data-widget-type=”deal”>
Stripe – Card payment processing made easy with ease
Stripe offers a variety of payment options that make it easy and quick to process card payments. You can use it to manage your card payments. It has a simple, pay as you go pricing system that charges 2.9% plus 30C per successful card charge. Check out Stripe’s current best deals.
See Deal
Payline offers a hassle-free merchant option (Image credit to Payline).
3. Payline
The best payment gateway to speed up and maximize efficiency
Specifications
Global processing
Rates Variable
POS integration: Yes
Mobile payments: Yes
Today’s Top Deals
VISIT WEBSITE (opens new tab)
There are many reasons to buy
+Built in security and fraud protection +Mobile app integration+Low monthly fee
Avoidable reasons
Transaction costs are not fully transparent
Payline, a Pineapple Payments business, is based in Chicago. It offers solutions for businesses from startups to Fortune 500 companies with a strong focus on the payment experience.
Payline provides gateway payment processing and its web solutions can be integrated with more than 175 online shopping carts. Payline also offers mobile payment solutions that allow you to accept mobile payments. Payline integrates with QuickBooks to make it easy for payroll management and financials.
Payline charges based on service. Payline Start charges a small monthly fee for a swipe. This includes AMEX and a per-transaction fee.
Prices for bricks-and-mortar stores include a monthly fee and a small transaction fee. Online stores have higher transaction and monthly fees.
Phoneline – Small Business Specialist Gateway
Payline offers packages that suit small businesses as well as enterprise options for larger concerns. Swiping In-Person 0.2%, $0.20 per transaction / $20 per month. Credit cards without a plan cost 0.4%, $0.20/transaction / $20 per monthly. Use the cost calculator.
See Deal
Adyen offers a single payment processing system.
4. Adyen
The best out-of-the box solution for payments
Specifications
Global processing
Rates Variable
POS integration: Yes
Mobile payments: Yes
Today’s Top Deals
VISIT WEBSITE (opens new tab)
There are many reasons to buy
+Works on one platform +Used in major companies +Integrated data insights
Avoidable reasons
Pricing structure: Complex
Companies such as Uber and Spotify use Adyen to manage customer and business transactions. You can accept all payments made to your company through one platform. The software also gives you tools to track risk and manage results.
Adyen not only accepts more than 250 payment options and 150 international currencies, but also allows you to analyze transaction data to gain “data-rich insight to learn customer behaviour.”
You can identify buyer patterns and behavior, which will allow you to adjust products and services accordingly. A built-in risk management tool is available that analyzes data and identifies fraud cases.
The processing fees will vary depending on the method of payment. However, Interchange pricing is used by the firm with an additional transaction fee. Interchange pricing is only available to merchant banks that have an account.
Adyen – Your global gateway
All major payment methods are supported by the Adyen payments platform. Many payment methods are also available outside the country of the buyer. The transaction fee includes a processing fee and a payment method fee. There is no setup fee. You have 24/7 access to the platform’s support team as well as full access to all tools.
” data-widget-type=”deal”>
Adyen- The global gateway
All major payment methods are supported by the Adyen payments platform. Many payment methods are also available outside the country of the buyer. The transaction fee includes a processing fee and a payment method fee. There is no setup fee. You have 24/7 access to the platform’s support team as well as full access to all tools.
See Deal
5. Authorize.net
Flexible payments with the best payment gateways
Specifications
Gloabl processing:
Rates Variable
POS integration: Yes
Mobile payments: Yes
Today’s Top Deals
There are many reasons to buy
+Merchant account provider +Support for digital providers and credit cards +Wide range supported+Designed to suit any business
Avoidable reasons
For smaller businesses, it can be more expensive
Authorize.net (from Visa), is a payment solution that streamlines the process. The platform was designed for all types of businesses and offers a variety of plans. It gives you the tools to sell products online and accept payments in person at a shop.
The solution allows you to accept payments via websites quickly and transfer funds into merchant bank accounts. It works with all major credit cards including Visa, MasterCard and American Express as well as Discover, Diner’s Club, Diner’s Club, Diner’s Club, Diner’s Club, and JCB. The platform can also be used with digital payment services like Apple Pay, PayPal, and Visa Checkout.
The software accepts transactions from customers around the globe, but your business must be registered in the USA, UK, Canada or Europe if you wish to use the service.
Authorize.net’s best option is to open a merchant account. Plans start with the Payment Gateway Only offering. This has no setup fee and includes a monthly gateway fee as well as a per transaction fee. There is also a daily batch fee. Enterprise solutions offer tailored pricing to meet the needs of larger businesses.
Advertisement Skip the advert
Authorize.net is fast and simple card processing
Authorize.net has a simple three-step process for processing payments. Select a plan and complete the application to start processing. You have a variety of options, including an All in-One With a transaction rate of 2.9% +30C/ or more Only Package with a daily batch fee of 10C/ and a transaction rate per transaction of 10C/, with no setup fees for either.
” data-widget-type=”deal”>
Authorize.net is fast and simple card processing
Authorize.net has a simple three-step process for processing payments. Select a plan and complete the application to start processing. You can choose from two options: an All in One plan with a transaction rate per transaction of 2.9% + 30C/, or a payment gateway only package with a transaction rate per transaction of 10C/ and a daily batch fee of 10C/. There is no setup fee.
See Deal
There are other payment gateways you might be interested in
We’ve already mentioned the top merchant gateways but there are many others that you should consider. Many can be integrated with existing ecommerce platforms by simply installing a plugin. We’ll also list additional merchant gateways, based on the different needs of online businesses.
2Checkout is another payment option that online merchants often use. This is because subscriptions can be set up easily and you can make one-off purchases. It is especially useful for digital service providers such as web hosting and web design companies. It is also available as an ecommerce plugin and can handle a variety of currencies.
Opayo, which opens in a new tab, offers a merchant gateway and the ability to record all sales and transactions into Sage accounting software. It is especially useful for efficiency, as you can view your income and costs in real time. Opayo offers several plans, but a merchant account is the best for getting the most out of Opayo. This will allow you to reduce transaction fees.
FIS global (opens new tab) is another popular payment gateway. It offers a variety of integrations for most ecommerce platforms. To take advantage of interchange fee discounts on all transactions, you can either set up a monthly service or a merchant account. Worldpay has seen significant changes in the last few years. It was owned by at least two companies. Therefore, it is worth asking about what services are available at what prices.
We also have the top merchant services.
What is a payment portal?
Merchants can use payment gateways to collect payments from their customers.
An online payment gateway, which is cloud-based, allows merchants to receive online payments from their customers. A brick-and-mortar store’s payment gateway uses a point of sale (POS) system or card reader.
How do you choose the right payment gateways?
The size of your company will play a major role in choosing the right payment gateway for you. A powerful payment gateway setup may not be necessary for a small business or sole trader. This is especially true when you consider the flexibility and convenience that PayPal offers.
Customers expect that businesses will be able to accept card payments. Look for companies that are easy to use, cost-effective, and can be linked to POS systems. You may also integrate them into your accounting program.
Pay attention to the terms and conditions as described in the introduction. Fees can vary widely from one payment gateway or another so make sure you factor that into your costings. Interchange fees and processing fees can add up so make sure you allow for them.
You’ll want to choose a more powerful package if your company plans to process larger volumes of sales. However, these packages will always be more expensive.
How do we test the most popular payment gateways
Advertisement Skip the advert
We are always looking for ways to make it easier for businesses when we test payment gateways. Any package should be tailored to the business it targets. Some of the above-mentioned payment gateway options are more suited for smaller, lower volume sales outlets.
However, you will need to use one of the more powerful options in this guide if you are processing large amounts of credit card payments. We compare the cost and fees involved to determine a reasonable balance between the way systems work in the target market.
Companies are always looking to find good value. We make sure that every system we test has all the necessary features without adding unnecessary costs. The buying guides will help you narrow down your search by showing the strengths and weaknesses for each key player.
