Best Ecommerce Payment Gateways in 2025 & How They Work

Without cash, you need a way to get the money and process payments.

Cashless transactions have become convenient for retailers as customers/buyers are more interested in online shopping. They expect seamless security and an easy, quick payment process. It’s a great opportunity for e-commerce businesses as this improves the customer experience and opens up new paths for revenue generation.

With the right eCommerce SEO strategies, you can sell your product across the globe without having any location or working hours limitations.

Choose the payment gateway options that provide detailed analytics and should have multiple layers of security to keep the confidential information of customers and businesses secure. The right choice will also reduce the card abandonment rates. In this blog we will help you explore the best payment gateway option for eCommerce businesses in 2025.

What is an eCommerce Payment Gateway?

It’s a technology that handles the online transactions. It acts as mediator or bridge which collects, transfers, and authorizes the payment details of customers in real time to a merchant’s bank to process the transaction. It makes sure that all the data, including sensitive data like credit and debit card details is completely encrypted, and protected.

This payment gateway technology has enabled businesses to accept various payment methods across the eCommerce website, mobile apps, and even physical stores for secure, smooth, and efficient transactions.

Functions of a payment gateway:

Preventing fraud
Processing and confirming payments
Managing multiple payment options
Authorizing transactions
Easily Converting currencies

How Payment Gateways Work?

Here are the steps of how payment gateways work:

Purchase: The customer chooses the products and goes to the checkout to choose the payment method and fills in the payment details.
Encryption: For card details, the payment gateway encrypts and transmits the data to the card network to keep it secure. The payment information for non card transactions is shared with the related networks like (ACH network and ACH payments) for further verification.
Authorization: The transaction data is sent to the payment processor team, which further passes it to the customer’s bank for authorization.
Approval or Rejection of Transaction: The bank that issued the card then approves or rejects the transaction on the basis of security checks and the customer’s funds.
Communication: On the basis of customer funds and security checks, the payment gateway informs the merchant about, whether the transaction was approved or declined.
Transaction Complete: The customer receives confirmation once the transaction is approved; it will get transferred to the merchant account. And if the transaction is declined, then the customer is notified.

The Best eCommerce Payment Gateways

We have listed some of the best eCommerce payment gateways for your store:

1. Authorize.net

Authorize.net is owned and operated by Visa, it has the ability to accept credit card and electronic check payments through websites and IP. Authorize.net is operated in 33 countries, you can process transactions online, in-person, and manually. It has features like fraud prevention, recurring billing, and customer information management. There are no setup charges, and there is a monthly gateway fee of $25.00, a $0.30 + 2.9% or $0.10 per-transaction fee (for the two last plans), and a daily batch fee of $0.10. It is also one of best payment method for shopify.

You can make contactless payments, eChecks, credit cards, and digital wallets.

2. Stripe

Stripe is used for online payments, in-person payments using a POS system. Retailers, subscription businesses, and marketplaces can easily use this system. You can integrate it with different online shopping carts like Shopify, WordPress, WooCommerce, and Adobe Commerce. Stripe operates in 45+ countries and accepts 135+ currencies, making global sales super easy.

It features “Radar” which is an advanced machine learning fraud system, adding a layer of security. The payment

Subscription fee: It has a pay as you go pricing model with a transaction fee for most of the transactions. The transaction fees are 2.9% + $0.30 on each successful transaction for domestic cards in the USA. And 1.5% for international cards as an additional charge.

The payments can be accepted through bank transfers, debit cards, buy now pay later (BNPL), credit cards, digital wallets, real-time payments, and cash-based vouchers.

3. Square

Square payment processing platform is for both online and offline (in-person) transactions. With Square, you get APIs and e-commerce tools that allow businesses to accept payments on websites and mobile applications. Card readers and terminals are provided by Square to accept the payments offline (in person).

Its user-friendly system, easy setup, and transparent pricing, perfect for businesses that are not so tech-expert.

For in-person payments, it charges 2.6% + $0.10 per transaction, for online payments, it charges 2.9% + $0.30 per transaction, for manual payments, it costs 3.5% + $0.15 per transaction (via Virtual Terminal) and for invoices paid online, it charges 3.3% + $0.30 per transaction.

4. PayPal

PayPal is one of the most used payment platforms, it operates in 203 countries and has 435 million accounts. It has processed more than 22 billion in transactions. Businesses of all sizes, be they startups, small businesses, or large enterprises, can utilize PayPal. It supports different options like credit cards, debit cards (Visa, American Express), linked bank accounts, and PayPal balances. For some areas it supports buy now, pay later services. It’s simple to use and can be set up easily.

PayPal has different pricing structures according to location and type of transaction. For domestic transactions, it charges 2.9% + $0.30, and for international transactions, it can cost around 4.4% + fixed fees, depending on the country.

5. Braintree

Braintree is a full-stack payment platform, it’s easy to use and provides multiple payment options. Vault is a feature that secures customer payment information for future payments, and the drop-in UI makes the setup process easy for customers, this further enhances the overall checkout experience. Braintree is owned by PayPal. It features data encryption and fraud protection. For retailers who are planning to sell to an international audience, it has one of the best currency conversion capabilities.

Braintree operates in 45+ countries and in more than 130 currencies. It provides a dedicated merchant account and free recurring billing. You can create custom pricing plans, discounts, free trials, add-ons, set up promotions, and subscriptions for your customers.

It charges 2.59% + $.49 per transaction when using cards and digital wallets. With an ACH direct debit card you will be charged 0.75% per transaction, and 3.49% + $.49 for Venmo.

6. Skrill

For low-cost international transactions, Skrill is one of the best payment gateways for ecommerce. It provides instant deposits and payouts for retailers who are always worried about cash flow management. Skrill supports 40+ currencies, which helps businesses to accept money from multiple countries. You can use Skrill for cryptocurrency trading, transfers, withdrawals, deposits, and more.

It features two factor authentication and Secure Socket Layer (SSL) protocol, which is 128-bit encryption with high security Verisign certification. It provides transaction security and prevents fraud risks.

It has no subscription fee, and 3.99% is payment processing fees (foreign exchange fee). The accepted payment methods are cards, cash payments, instant bank transfers, wallets, and more.

7. Worldpay

Worldpay operates in 150 countries and supports 120+ currencies, which makes it easy to accept payments from customers globally. It’s a secure, integrated payment option that helps you process payments through websites and applications.

You can integrate with third-party apps so you can process all kinds of payments and get more international business.

For pricing you will need to get in touch with Worldpay as they have subscription packages. They accept almost all the credit cards, debit cards, digital wallets, and cryptocurrency.

8. Adyen

Adyen features dynamic card validation and real-time analytics and provides insights into customer behavior. It offers a smooth payment experience for online and offline merchants. It takes 180+ currencies and accepts payment from 100+ countries using 200 different electronic payment methods.

It has a fixed payment processing fee of €0.11 + a fee determined by the payment method. No subscription fee and payment is accepted through credit cards, debit cards, digital wallets, and BNPL.

9. Amazon Pay

Amazon Pay is also one of the most utilized payment services introduced and owned by Amazon only. It has processed 2.5 billion transactions worldwide. Including the USA, the UK, and Germany, Amazon Pay operates in 18+ countries.

Amazon Pay supports mobile payments as well as different payment methods, including credit cards, debit cards, bank transfers, and Amazon Pay Balance. It’s super secure and features voice transactions via Alexa, one-click checkout, recurring payments, and support for international transactions with multiple currencies. It is one of the international payment gateways.

The charges are applicable on a per-transaction basis. There are no setup charge fees, monthly fees, annual fees, or termination fees. For the USA, the standard charges are 2.9% + $0.30/transaction.

Choose the Payment Gateway That Goes Well with Your Ecommerce Store!

What is working for other businesses might not just work for your business. So plan smartly when adding a payment gateway to your e-commerce store. Check all the options, understand your target audience, geographical area, business model, nature of products or services, and transaction volume. All these factors will directly impact your business revenue, customer experience, and business operations.

Add a payment gateway through which global transactions are easy. Your customers should be able to process online and offline (in-person) payments through a single, secure, and PCI-compliant platform.

We know some decisions are tough to make; don’t worry, just connect with our experts, and they will help you with your e-commerce business. Drop us an email at: info@expertvillagemedia.com, and our team will get back to you!