Roqqett Blog

June 14, 2024
Author: Patrick McDill

Top Payment Gateway Providers to Consider for Your Business

Discover the top 10 payment gateway providers for your business, including Shopify Payments, Stripe, and PayPal.

Quick Summary

  • Shopify Payments is ideal for businesses already using Shopify, offering seamless integration and strong security features.
  • Stripe is known for its developer-friendly API and extensive customisation options, making it suitable for tech-savvy businesses.
  • Roqqett is easy to integrate and has instant gross settlement.
  • PayPal is a popular choice for its ease of use and widespread acceptance, especially for online transactions.
  • Adyen supports a wide range of payment methods and currencies, making it a great option for global businesses.
  • offers robust fraud detection and security features, making it a reliable choice for businesses concerned about payment security.


Choosing the right payment gateway provider is crucial for any business that wants to accept payments online or in-person. The right provider can help streamline your operations, enhance the customer experience, and even save you money on transaction fees. In this article, we will explore the top payment gateway providers you should consider for your business.

1. Shopify Payments

Shopify Payments is the default payment processor for Shopify stores, offering a range of subscription options for businesses of various sizes. Take control of your cash flow with Shopify Payments by tracking your orders and payments all in one place. This integration provides a complete view of your finances, allowing you to accept local currencies and various payment types for a smooth checkout experience.


  • No extra software required to process online payments
  • Competitive payment processing fees
  • PCI DSS compliant to protect sensitive financial data
  • Accept multiple payment methods, including credit cards, digital wallets, Shop Pay, buy now, pay later, and PayPal
  • Process international payments in your customer’s local currencies
  • Intuitive financial reporting tools baked into your Shopify dashboard
  • 24/7 customer support available


  • Only available to Shopify merchants
  • Extra fee for transactions made through third-party payment gateways for merchants that are not using Shopify Plus


Shopify's payment processing fees differ depending on your plan. This varies between 2.9% and 2.4%, plus a 30¢ fee per transaction.

Discover Shopify Payments and streamline your ecommerce operations with a unified payment solution.

2. Stripe

Stripe is one of the most popular payment gateways because it’s not tied to a specific ecommerce platform. It allows merchants to accept credit card payments and mobile payments, and is easy to integrate with most websites and mobile apps.

Stripe offers a wide variety of features, including the ability to create invoices, set up subscriptions, and process international payments. It also offers a huge selection of APIs that allow you to customize your payment gateway to best suit your needs.

Stripe's extensive features include subscription management, fraud prevention, customizable checkout, and seamless integration options, making it a popular choice for many businesses.

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).

3. PayPal

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.

PayPal provides payment processing services for e-commerce vendors, auction sites and other commercial entities globally, and allows you to accept credit cards including Amex and Visa. It also offers easy cart integration, plentiful customization options, online invoicing, and facilitates credit card payments over the phone.

PayPal’s payment gateway has no setup fees. The biggest downside is the fact that it’s more expensive than other payment gateways, especially if you’re processing payments at scale.

Monthly Cost

  • $0 for Payflow Link
  • $25 for Payflow Pro

Why We Like It

There’s not much PayPal doesn’t do. It offers in-house payment processing and payment gateway-only options that integrate with third-party shopping carts and payment processors. It’s a leader in developing and accepting payments in innovative ways, including through subsidiary Venmo, QR codes, payment links and buy-now-pay-later financing. It’s tough to find another company that does this much under one roof.

4. Adyen

Adyen is best suited for large online businesses, offering a scalable payment gateway that 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.

Pros of Adyen's Payment Gateway

  • Supports over 250 local payment methods and 200 countries.
  • No monthly fees.
  • Low payment processing rates.
  • Tools for connecting sales data across online, in-person, and app sales.

Payment Processing Fees

Best for Fraud Detection

Adyen offers advanced fraud detection tools, providing peace of mind for merchants. The platform includes gateway, risk management, and front-end processing services, making it a comprehensive solution for e-commerce companies.

Adyen gives us a platform service where we can gather both credit and PayPal payments. Adyen is a good choice for us as it is a global platform.

5. is a comprehensive payment gateway solution, ideal for businesses with more complex payment needs. Owned by Visa, it offers a wide range of services including point-of-sale, e-commerce, mobile, and phone payment options. Additionally, it supports billing, e-checks, and credit card readers.

Key Features

  • Advanced fraud detection
  • Secure customer data
  • Compatibility with Visa merchant accounts
  • Support for high-risk accounts
  • Acceptance of payments from anywhere in the world (for U.S.-based businesses)



  • Flexibility to work with other merchant account providers
  • Powerful fraud detection
  • Support for a wide range of currencies
  • Designed for any business size


  • Costly for smaller businesses
  • Monthly fee
  • Relatively high transaction fee
If you need a payment gateway that is compatible with your Visa merchant account, could be an option. The software is owned and operated by Visa, making it easy to sync your payment gateway with your Visa merchant account.

6. WorldPay

WorldPay is a UK-based payment service provider known for its extensive range of payment services for both online and in-store channels. WorldPay helps online merchants process international payments by connecting with a variety of global banks and partners. This capability makes it an excellent choice for merchants that process international payments, although it is reflected in its transaction fees.

WorldPay has undergone significant changes over the past few years, having been acquired by US rival Vantiv in 2018 and later by US financial services company FIS in 2019.

Pros of WorldPay’s Payment Gateway

  • Suitable for businesses of all sizes
  • Very customizable and flexible
  • Excellent security features, including OmniShield, to protect payment information
  • Accepts over 300 payment methods and multiple currencies
  • Connects with a variety of global banks and payment partners to process international payments
  • 24/7 customer support
  • No monthly subscription fee

Cons of WorldPay’s Payment Gateway

  • Transaction fees can be high, especially for international payments
  • Complex fee structure
  • Customer service can be inconsistent

7. Square

Square is most widely known for allowing merchants to more easily process card payments. Priding itself on enabling sellers of all kinds to grow their business, Square has expanded its offerings to include online payment services and business lending.

What sets Square apart from most competitors is its extra features. Users can take advantage of customer relationship tools to build customer loyalty and employee management tools that help to track hours worked. It also offers inventory management solutions and advanced reporting to help you best manage your business.

Square is best for businesses that want to take advantage of customer loyalty tools, which help create repeat business.


Pros & Cons


  • Versatile in accommodating both physical and digital transaction environments
  • Accepts an array of payment types catering to various customer preferences
  • Employs advanced security measures and ensures PCI DSS compliance


  • Pricing isn’t transparent
  • Navigating the platform might be challenging for businesses new to digital payments

8. GoCardless

GoCardless is a payment gateway designed to make getting paid quick and easy, whether it's for one-off payments, invoices, recurring payments, or subscriptions. It is particularly beneficial for businesses that handle subscription payments and need a reliable way to collect invoice payments automatically.

Key Features

  • Recurring payments: Ideal for subscriptions and invoices.
  • International payments: Collect from 30+ countries.
  • Payment timings: Get paid in as little as 2 days.
  • GoCardless Success+: Reduce payment failures.
  • GoCardless Protect+: Advanced fraud protection for recurring payments.
  • Verified Mandates: Payer authentication you can rely on.

How to Collect Direct Debit Payments with GoCardless

  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.
  3. Track and manage your payments effortlessly through the GoCardless dashboard.

Customer Success

GoCardless has a strong customer-first approach, with numerous case studies showcasing their customers' successes. Customers love the ease with which they can collect payments, whether these payments are one-off, recurring, domestic, or international.

GoCardless makes it easy for businesses to collect payments. Whether these payments are one-off, recurring, domestic, or international; GoCardless makes it easy.

Enterprise Solutions

For larger enterprises, GoCardless offers solutions to reduce churn, lower international barriers, and cut operational costs. Their robust API and partner integrations allow for seamless integration with existing systems, making it a versatile choice for businesses of all sizes.

9. TrustCommerce

TrustCommerce is a robust payment gateway that connects merchants to multiple payment processors, including Chase Paymentech, Elavon, and Vantiv. This versatility makes it a strong contender for businesses looking to diversify their payment processing options.

10. 2Checkout

2Checkout is another payment provider that is commonly used by online merchants, not least because as well as one-off purchases, it's easy to set up subscriptions. This makes it especially useful for online businesses selling digital services such as web hosting or web design companies. It's also commonly available as a plugin for major ecommerce platforms, and can process a wide range of global currencies.

Key Features

  • Easy setup for subscriptions
  • Available as a plugin for major ecommerce platforms
  • Processes a wide range of global currencies

Customer Support

2Checkout is known for its responsive customer support. Replied to 98% of negative reviews and typically replies to negative reviews in less than 2 days.

Use Cases

2Checkout is particularly beneficial for:

  1. Online businesses selling digital services
  2. Web hosting companies
  3. Web design companies
2Checkout's profile and reviews have been merged, making it easier for customers to find consolidated feedback.


Choosing the right payment gateway provider is a crucial decision for any business, as it directly impacts customer experience and profit margins. By considering factors such as cost, features, and supported payment methods, you can find a solution that best fits your business needs. The providers we've discussed, including Shopify Payments, Stripe, PayPal, Adyen,, and WorldPay, each offer unique advantages tailored to different types of businesses. We hope this guide has provided you with valuable insights to make an informed choice. Remember, the best payment gateway for your business is one that aligns with your specific requirements and budget.

Frequently Asked Questions

Which payment gateway provider is right for me?

To choose the best payment gateway for your business needs, it’s important to consider cost, features, and supported payment methods. Compare different providers based on these factors to make an informed decision.

What are the best payment gateways for card-based payments?

The best payment gateways for card-based payments include Shopify Payments, Stripe, PayPal, Adyen,, WorldPay, Square, GoCardless, TrustCommerce, and 2Checkout.

What is Shopify Payments best for?

Shopify Payments is best for Shopify merchants as it allows them to process online and in-person payments through a single platform. It also complies with Payment Card Industry Data Security Standard (PCI DSS) to protect customer data.

How do payment processing fees affect my business?

Payment processing fees can quickly eat into your profit margins. It’s crucial to compare these fees among different payment gateways to choose the most cost-effective option for your business.

Why is choosing the right payment gateway important?

Choosing the right payment gateway is critical as it affects your customer experience and your business's profitability. The right gateway will offer a balance of cost, features, and security.

What factors should I consider when comparing payment gateways?

When comparing payment gateways, consider ease of setup, ease of use, global processing capabilities, pricing plans, mobile payment options, security features, supported currencies, and the types of businesses they are best suited for.

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