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Top Payment Gateway Providers for Your Online Business

Explore top payment gateway providers like Stripe, PayPal, and Square to find the best fit for your online business.

Quick Summary


Choosing the right payment gateway provider is crucial for the success of your online business. Payment gateways not only facilitate smooth and secure transactions but also affect your profit margins due to varying processing fees. This article compares the top payment gateway providers to help you make an informed decision.

Key Takeaways

  • Stripe offers robust features and is excellent for businesses of all sizes.
  • PayPal is well-known and trusted, making it a popular choice for online transactions.
  • Square provides comprehensive solutions, including point-of-sale systems for in-person payments.
  • Payoneer is ideal for international businesses with its global payment solutions.
  • Adyen supports multiple payment methods and currencies, making it suitable for global e-commerce.


Stripe is a fintech company that offers payment management solutions. It serves both brick-and-mortar and online businesses. Stripe Payments lets you accept credit cards, debit cards, and mobile wallets around the world.

Stripe has a bottomless pit of extras—there are so many things to explore, and for all levels of expertise too. I'll tease you the main ones: subscription features that support cross-selling, tax automation, incorporation of your own startup via Atlas, and native integrations with a range of website builders and eCommerce platforms.

Stripe offers a global payment system that can accept more than 135 currencies with transparent pricing and discounts for high-volume merchants. Most merchants find it particularly useful for international payments.

Stripe is a good choice for businesses with their own apps or existing websites wanting to integrate payment processing. Stripe features developer-friendly payment solutions that plug into many different marketplaces and online payment solutions using application program interfaces (APIs). If you use a sales platform optimized for Stripe, linking your app or website is as simple as copying and pasting a code from Stripe into your app.


PayPal distinguishes itself through its unmatched versatility and global recognition. A payment solution that caters to a variety of business requirements, PayPal ensures secure transactions for both online and in-person sales. It’s easy to implement, with compatibility on all major ecommerce platforms, simplifying the process of connecting an online store to a PayPal Business account. This ease extends to financial services too, with applications for business loans, credit cards, and debit cards.

Key Features

  • Versatility: PayPal supports multiple forms of payment, including Venmo, PayPal, and cryptocurrency.
  • Global Recognition: A recognizable name that customers trust.
  • E-commerce Features: Multiple features tailored for e-commerce, such as payment links and QR codes.


Additional Services

PayPal has some interesting extras to offer. You can create your profile page, which gives you a searchable profile, and generate individual payment links that you can share via email or in a text message. And if you're running a subscription-based business, there's also a lot of customization there, including setting up trial periods, one-time setup fees, and billing cycle length.

PayPal is a leader in developing and accepting payments in innovative ways, including through subsidiary Venmo, QR codes, payment links, and buy-now-pay-later financing.


Square is a payment processing and point-of-sale (POS) platform used by businesses of all sizes, from brand-new startups to large multistore operations. Square has become a top competitor in the payments gateway market by enabling sellers of all kinds to grow their business. The platform has expanded its offerings to include online payment services and business lending.

Key Features

  • Easy-to-use software and a convenient app for receiving payments.
  • Supports both in-person and online payments with minimal effort or startup costs.
  • Customer relationship tools to build customer loyalty.
  • Employee management tools to track hours worked.
  • Inventory management solutions and advanced reporting.


Best For

Square is best for businesses that want to take advantage of customer loyalty tools, which help create repeat business. It is particularly useful for small businesses due to its no setup fee and no monthly fee structure.

Square allows business owners to set up for both in-person and online payments with minimal effort or startup costs. However, it might not be as suitable for entrepreneurs wanting more complex payment options.


Payoneer is an online financial services platform that many top companies like Airbnb and Google use. The platform supports worldwide transactions in more than 200 countries and 150 local currencies. You can use Payoneer to send payment requests that customers can pay via credit card, ACH direct debit, and direct bank transfer.


  • No setup fee
  • No monthly fee
  • 2.9% + 30¢ per transaction
  • $0.50 per delivery order
  • Free to set up and send/receive payments between Payoneer accounts
  • 3% fee for credit card payments from non-Payoneer customers
  • 1% for ACH direct debit

Useful for

  • Setting up in-store and online payments free of charge
  • Receiving international transactions
One consideration of Payoneer is that the fees can add up compared to other services if you regularly receive card payments from non-Payoneer customers.


Adyen offers e-commerce companies a payment platform that includes gateway, risk management, and front-end processing services. Much like Braintree, Adyen is a full-stack gateway and counts prominent merchants like Microsoft and Spotify as clients. The company has attracted merchants with a single platform that can support payments in any channel over 250 local payment methods and 200 countries.

Adyen is a popular option for doing business on an international scale. Adyen comes with no set up or monthly fees, and you can choose when and in which currency you want to settle. Adyen charges a fixed processing fee + a fee determined by the payment method.

Adyen is built for both point-of-sale and online purchases, accepting a broad range of payments from major credit cards and providers like Apple Pay. Adyen has proven its ability to handle large volumes of transactions with partnerships with brands such as Uber, LinkedIn and Microsoft.

Adyen’s payment gateway is scalable and supports omnichannel selling. Adyen is a global payment gateway that allows merchants to process payments in various currencies and countries. It’s a good option to consider if subscriptions and international payments are important to you.


  • No setup fees
  • No monthly fees
  • Fixed processing fee + a fee determined by the payment method, e.g. ACH Direct Debit: $0.13 + $0.27

Supported Payment Methods

Adyen supports payments across many payment channels. Examples include:

  • Ordering in-app and picking up in person
  • Self scan and pay
  • Buying in store and shipping to home
  • QR code payments
  • Self-service kiosks

Prominent Clients

Adyen counts prominent merchants like Microsoft, Spotify, Uber, and LinkedIn as clients. This highlights its ability to handle large volumes of transactions efficiently.

Adyen is the financial technology platform of choice for leading companies. By providing end-to-end payments capabilities, data-driven insights, and a seamless user experience, Adyen stands out as a top payment gateway provider.


2Checkout, now known as Verifone, is a versatile payment gateway that supports a wide range of payment methods and currencies. It is particularly popular among international businesses due to its extensive global reach.

Key Features

  • Supports multiple payment methods including credit cards, PayPal, and more.
  • Offers a customizable checkout experience.
  • Provides advanced fraud protection tools.


2Checkout's pricing is competitive and varies based on the transaction type and volume. Here is a quick overview:

Customer Support

2Checkout is known for its responsive customer support. They have replied to 98% of negative reviews and typically reply to negative reviews in less than 2 days.

2Checkout's commitment to customer satisfaction is evident in their proactive approach to handling feedback.


2Checkout offers seamless integration with various eCommerce platforms, making it a flexible choice for online businesses of all sizes.


Braintree, a PayPal-owned gateway, supports payments for both in-store and online merchants. It is particularly beneficial for mobile-centric businesses, thanks to its strategic focus on mobile commerce. Braintree has secured the business of some of the world’s largest digital merchants, such as Uber and Airbnb.

Key Features

  • Digital Wallet Integrations: Braintree allows customers to pay with PayPal, Venmo, Apple Pay, Google Pay, and other major digital wallets.
  • Developer-Friendly SDK: Provides developers with a robust SDK featuring multiple functionalities.
  • No Monthly Fees: There are no monthly or annual fees for using Braintree.

Payment Processing Fees

Customer Reviews

Join the 258 people who've already reviewed Braintree. Your experience can help others make better choices.


Braintree is a versatile payment gateway that offers a simple service accepting all popular payment methods. Its sleek interface and comprehensive digital wallet integrations make it a strong contender for any online business.


GoCardless offers an ACH Debit service that is more reliable, secure, and affordable than accepting card payments. The merchant dashboard allows you to easily automate payment collection, reducing the burden of financial admin and delivering significant time savings to your team. One thing to be aware of is that ACH is not an instant payment and is therefore not suitable for use-cases that require immediate payment.

Key Features

  • Automated Payment Collection: GoCardless helps you automate payment collection and bank reconciliation, cutting down the amount of financial admin your team needs to deal with.
  • Versatile Payment Options: GoCardless makes getting paid, from one-off payments and invoices to recurring payments and subscriptions and international payments, quick and easy.

How to Get Started

  1. Create your free GoCardless account, access your user-friendly payments dashboard & connect your accounting software (if you use one).
  2. Easily set up & schedule Direct Debit payments via payment pages on your website checkout or secure payment links.

Case Study

PremierePC used to collect over 85% of their payments via credit cards, which meant hefty processing fees. By switching to GoCardless, they save over $14K annually.

Important Information

GoCardless Inc. (a Delaware Corporation, NMLS ID 2123932), is a FinCEN-registered money services business, registration number 31000261158426, and a licensed money transmitter in certain US states. You can find further information about GoCardless Inc.'s U.S. licenses and regulators' contact information on their website. is a robust payment gateway solution that has been around since 1996. It supports both credit card and digital payments, with a wide selection of plans on hand to suit different business sizes and industries.

Fraud Prevention excels at fraud prevention thanks in part to its Advanced Fraud Detection Suite (AFDS). Leveraging data from years of transaction processing experience, this suite comprises 13 fraud filters that can be personalized according to business needs. With these, businesses can set minimum transaction thresholds, payment velocity settings, geographic limitations, and more.

Payment Flexibility makes it possible to accept payments through a wide variety of processors and platforms, giving retailers the ability to accept PayPal payments, Apple Pay, and most major credit cards.

Comprehensive Services

This Visa solution offers numerous services including point-of-sale, e-commerce, mobile and phone payment options, billing, e-checks, and credit card readers. Its premium features include advanced fraud detection and secure customer data to let sellers accept payments quickly and safely. is best for more complex payment needs, providing a versatile and secure solution for businesses looking to manage a variety of payment methods and prevent fraud effectively.


TrustCommerce is a robust payment gateway that connects merchants to multiple payment processors. It’s compatible with Chase Paymentech, Elavon, Vantiv, and others. This flexibility allows businesses to choose the best processor for their needs.


TrustCommerce offers a variety of solutions tailored to different use cases and industries:

  • By use case:
    • Multi-Storefront
    • Headless Commerce
    • B2B
    • Wholesale
    • Omnichannel
    • International
    • Commerce-as-a-Service
    • Crypto
    • Data & Personalization
  • By industry:
    • Fashion & Apparel
    • Health & Beauty
    • Food & Beverage
    • Manufacturing
    • Automotive
    • CBD
    • Home & Garden


TrustCommerce has a diverse customer base, including various case studies and customer examples that highlight its effectiveness in different scenarios.


To support its users, TrustCommerce provides a wealth of resources:

  • Overview
  • Articles
  • Guides & White Papers
  • Webinars
  • Podcast
  • Reports
  • Events
  • Ecommerce Blog
  • Developer Blog
  • Free Tools
In a noteworthy case, Bradley Sanger v. Trust Commerce Technology, the plaintiff sued the payment processor for failing to deliver promised services.

Use Case Solutions

TrustCommerce's solutions are designed to meet the needs of various business models:

  • Multi-Storefront
  • Headless Commerce
  • B2B
  • Wholesale
  • Omnichannel
  • International
  • Commerce-as-a-Service
  • Emerging Brands
  • Small Business
  • Enterprise
  • Crypto
  • Migration

Industry Solutions

TrustCommerce also offers specialized solutions for different industries:

  • Fashion & Apparel
  • Health & Beauty
  • Food & Beverage
  • Manufacturing
  • Automotive
  • CBD
  • Home & Garden


Choosing the right payment gateway provider is a crucial decision for any online business. With options like Stripe, PayPal, Square, Payoneer, Adyen, 2Checkout, and Braintree, each offering unique features and pricing structures, it's essential to evaluate your specific needs and future growth plans. Consider factors such as transaction fees, security measures, and customer support when making your choice. By selecting a payment gateway that aligns with your business requirements, you can ensure smooth, secure, and efficient transactions, ultimately enhancing your customer experience and boosting your profitability.

Frequently Asked Questions

Which payment gateway provider is right for me?

Choosing the right payment gateway provider depends on your business needs, including cost, features, and supported payment methods. Consider factors such as transaction fees, security, customer support, and integration with your existing systems.

What are the top payment gateway providers?

The top payment gateway providers include Stripe, PayPal, Square, Payoneer, Adyen, 2Checkout, Braintree, GoCardless,, and TrustCommerce. Each offers unique features and benefits for different types of businesses.

Do payment gateway providers offer in-person payment solutions?

Yes, many payment gateway providers offer point-of-sale systems for in-person transactions, multiple-location support, and other related services. It's important to choose a provider that can address all your current and future payment needs.

What are the key features to look for in a payment gateway provider?

Key features to look for include security measures, ease of integration, transaction fees, supported payment methods, customer support, and additional services such as fraud detection and reporting tools.

How do payment gateways ensure the security of transactions?

Payment gateways ensure the security of transactions by using encryption, tokenization, and compliance with Payment Card Industry Data Security Standard (PCI DSS). These measures protect sensitive customer data during the payment process.

Can I use multiple payment gateway providers for my business?

Yes, you can use multiple payment gateway providers to cater to different payment methods or to have a backup in case one provider experiences downtime. However, managing multiple providers may increase complexity and costs.

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