Payment Gateway Comparison: Top Providers Analyzed for 2025

Many of the payment gateway providers on payment service provider our list do not publicly advertise their rates. Instead, they offer different rates depending on your processing volumes and other factors. Receiving quotes from multiple payment providers is one of the best ways to find the cheapest credit card processing.

• For online stores, the monthly and transaction fees are $20 and include a 0.75% ($0.20) fee per transaction.
• Check for regular updates to developer resources and proactive communication about API changes or new features.
• This gateway works with many merchant accounts, processors, and shopping carts.
• Authorize.net is one of the most popular payment gateways, seamlessly integrating with most of the industry’s payment processors, merchant service providers, and point-of-sale (POS) systems.
• Payment gateway integration involves several key technical aspects that can significantly impact implementation ease and functionality.
• Check for any region-specific requirements or limitations that may affect your integration plans.

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• That said, we were able to reach an actual person when we called (after following a series of automated prompts).
• As a subscription payment service, it allows merchants to accept recurring payments effortlessly, providing a secure payment gateway that ensures customer transactions are safe and reliable.
• Clover makes it easier to nurture those positive connections with customers.
• By providing a seamless experience, it allows customers to easily make the payment for their subscriptions without hassle.
• Some payment gateways now also support cryptocurrency payments.

Its Stripe Terminal integrates with your in-person payment system, allowing you to accept payments from a variety of sources. Stripe Terminal is ideal for businesses that want to create a custom payment solution or need to accept payments in person. Choose a good payment gateway provider and you’ll be able to accept nearly any payment type, integrate with any ecommerce platform, and manage all transactions with ease. On the flip side, a bad payment gateway provider will create numerous roadblocks (and headaches) when it comes to processing payments online.

Supported payment methods

• We did find a phone number for customer support but it required a merchant ID to proceed, so we couldn’t test it out for ourselves.
• Again, some providers might have better pricing, features or services (or all three) to support the payment methodology that your customers like.
• Investments in securities are Not FDIC insured, Not Bank Guaranteed, and May Lose Value.
• On top of that, some PSPs provide detailed payment reports and analytics, giving you insights that can help you make informed decisions.
• This article will explore some of the top payment gateway providers to help you find the best fit for your needs.

One drawback is the selection of POS terminals, which is limited compared to the range of hardware that some other providers offer. Square also integrates with a lot of business tools you may already be using, which allows you to get the most out of the technology. Some of the most popular apps that Square users integrate include Wix, WooCommerce, QuickBooks Online and Acuity Scheduling. https://www.bookstime.com/articles/internal-vs-external-audit The prebuilt user interface is designed to streamline the customer experience.

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Square may freeze accounts if they suspect fraud, which can disrupt cash flow. Their customer support QuickBooks also gets mixed reviews from some merchants. PayPal’s fees can be higher than other options for some businesses.

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Using Dwolla, merchants can create a white-label payment service for their business. Use cases include real estate investors who want a way to electronically receive rent payments from tenants, utility providers, wealth management businesses, and reimbursement services. The cost to use Authorize.Net as your payment gateway is $0.10 per transaction and a $25 monthly subscription fee. You can also sign up for an all-in-one plan, featuring an integrated merchant account from TSYS or Dharma Merchant Services. Authorize.Net also offers month-to-month contracts, and no setup or early-termination fees. To get a payment gateway, you will have to fill out an application and provide financial background information.