7 Best Payment Gateways for Websites

Best payment gateways

A payment gateway is a money transaction processing technology. There are many payment gateways available for websites, you can choose the best payment gateway for your website.

What is a Payment Gateway?     

 A payment gateway is a money transaction processing technology; it is one of the several ways to make online payments. Every commercial or non-commercial person uses this method to save time and energy.

There are many payment gateways available for websites. In addition, a multi-currency payment gateway is also available for currency trading, such as forex and crypto. According to the Grand View Report, the global market size of payment gateway was valued at $22.09 billion in 2021, and its value is expected to increase at a compound annual growth rate (CAGR) of 22.1% from 2022 to 2030. 

How does a Payment Gateway work?

How does Payment Gateway work

  • Customers purchase products and services on a merchant’s website, such as Forex VPS.
  • The merchant’s website redirects customers to the payment gateway’s secure website.
  • The customer enters their payment information – credit card number, expiration date, and security code into the payment gateway’s website.
  • The payment gateway verifies the customer’s payment information and checks for fraud.
  • If the payment information is valid and no fraud is detected, the payment gateway sends a request to the customer’s bank to authorize the payment.
  • The customer’s bank responds to the payment gateway indicating whether the payment has been authorized.
  • If the payment is authorized, the payment gateway sends a notification to the merchant’s website indicating that the payment was successful.
  • The merchant’s website processes the order, and the customer receives confirmation of their purchase.

How to implement a payment gateway to your website?

To implement a payment gateway to your website, you will need to follow these steps – 
(These are the general steps to implement a payment gateway to the website)

  • Choose a payment gateway provider and create an account. Some popular providers include PayPal, Stripe, and Square.
  • Integrate the payment gateway API into your website.
  • This typically involves adding a code to the website’s checkout page to handle the payment information processing.
  • Test the integration to ensure it is working correctly.
  • Make sure your website is PCI-compliant. It is a vital step to avoid security breaches and the theft of credit card information.
  • Deploy the changes to your live website
  • Go live with the payment gateway.

And you will have implemented a payment gateway to the website following these steps.


  • The steps may vary depending on the specific payment gateway provider you choose and the programming language or framework you use to build your website. 
  • Consult the payment gateway provider’s documentation and support resources.

What is the use of Payment Gateways, and why do we need them?

 A payment gateway is used for cashless and cardless monetary transactions by merchants and people. When an individual purchases any service or product online or offline, they transfer the money to the merchant’s account utilizing a payment gateway such as Paytm, PayPal, BlueSnap, etc.

Sometimes making cash payments or physical monetary transactions is not possible. For example, the customer must pay via payment gateway if they purchase a service like Forex VPS server. 

So, the major perks of using a payment gateway include the following – 

  • Payment gateways make your work easy and seamless and take less time. 
  • Transactions between customers and merchants are safe.
  • Whether you set up an online store, subscription site, or online education website, you need a payment gateway for easy conversion of payments and a straightforward process. 

Highly Rated Payment Gateway

Many payment gateways are available for websites, and the best one for your website or business will depend on your needs. 

We have compiled a list of seven highly popular payment gateways for websites – 

1. PayPal


PayPal is a financial service company that enables people and businesses to make and receive payments online. It was founded in 1998 and is now one of the largest online payment gateways in the world; it is available in more than 200 countries and supports over 25 currencies.

With PayPal, users can send and receive payments and transfer money to other users. In addition, PayPal offers financial services such as credit and debit cards and mobile banking. 

How to create a PayPal Account?

  1. Go to www.paypal.com
  2. Click on Sign Up and select your account type – Individual Account or Business Account.
  3. Enter your email address.
  4. Create a strong password. 
  5. Add your business details and click on Agree and Continue.
  6. You will see a dialog box – Describe your business – select your business type.
  7. Enter your business and personal details. 
  8. You must fill up the required details to access your account.

Pros of PayPal

  • Easy to use with specific features.
  • It provides high security and keeps your money safe.
  • It keeps your bank information and other data safe.
  • Let’s send money to family and friends without any charges.
  • PayPal provides Digital wallets to its users.

Cons of PayPal

  • There are charges on transactions if you use PayPal for business transactions.
  • If you want instant access to money, you have to pay 1% of your transaction amount as fees; free bank transfers may take some days.
  • PayPal can freeze your account. In addition, they can withhold your amount if you have done anything wrong.
Best for –

PayPal has the “e-commerce veteran” status; it is a widely accepted digital payment method for North Americans.

2. Stripe


Stripe is another payment processing platform that enables businesses to accept payments online and through mobile apps. In addition, it allows merchants to process credit card transactions and payments made using other payment methods such as ACH bank transfers, Apple Pay, Google Pay, and more. 

Stripe is a popular choice for businesses of all sizes, as it offers a variety of features such as recurring billing, fraud protection, and the ability to accept multiple payment types. Additionally, Stripe deals with 135+ currencies. 

How to create a Stripe account?

  1. Go t.o Stripe.com
  2. Sign up – enter your email id, and full name, select your country, and create a strong password.
  3. You will get a verification email.
  4. Once you verify the email, you will need to fill up the required details to start making payments.

Pros of Stripe

  • Its features are easy to use and understand.
  • Multiple support options and 24*7 service.
  • Live chat support for complex issues.

Cons of Stripe

  • Stripe is not as user-friendly as PayPal.
  • Available in only a few countries.
  • It takes too much time to access your money.

Highlights of Stripe

Stripe offers a variety of features for businesses, including the ability to create custom checkout pages, subscriptions, invoicing, and more. It also provides tools for managing and analyzing transactions, fraud prevention, and customer support.

Best for – 

Stripe is best for receiving payments with advanced features.

3. Square


Square is the payment gateway that is used widely for international monetary transfers. It offers easy integration and a variety of features, such as invoicing and inventory management. Even some small businesses use Square for payments.

How to create a Square account?

  1. Go to Square.com
  2. Click on Get Started.
  3. Enter your email address and create a password; select the locale.
  4. Select your business type and enter your details.
  5. Click on Continue.
  6. Enter other required details.

You can make payments by completing these steps.

Pros of Square

  • No monthly or annual fees
  • Account creation and verification are not time-consuming
  • No hidden fees.
  • Easy to manage payment disputes.
  • Your payments are secure. 
  • Easy to use and user-friendly interface.
  • Free swipe card reader
  • No contract to use Square service for your business.

Cons of Square:

  • Customer support is not good.
  • Expensive add-on service.
  • Predictable fixed-rate 2.6% + $0.10 per swipe, which can be increased for more significant business.
Best for –

Square is best for new and occasional sellers.

4. PayU

PayU is a payment gateway by a fin-tech company in the Netherlands that offers online payment services. It works in 17 countries allowing over 100 currencies, and has more than 100 payment methods, including net banking, EMI, UPI, and Buy Now, Pay Later.

PayU has an easy and beautiful user interface. It also allows merchants to integrate their website and mobile app.

How to create a PayU account?

  1. Go to PayU.in
  2. Click on Sign Up and enter your personal and business details.
  3. The PayU team will contact you for account verification.

Once your account is set up, you can start making/ receiving payments.

Pros of PayU

  • It tracks your earnings on the dashboard.
  • You get more than 100 payment method options. 
  • 24*7 customer support service.
  • The success rate of PayU is higher, and transaction speed is faster.
  • PayU offers you a customized checkout page. 
  • You don’t have to pay any setup costs since it’s free. However, you have to pay 2% + GST on your transactions.

Cons of PayU:

  • Sometimes, verifying your account and making the transaction confirmation takes too much time.
  • Customer service is inefficient and takes too much time to solve your problem.
  • PayU also fails about 40% of the time.
  • Netflix, Airbnb, and Dream11 have been leveraging the PayU payment gateway.
Best for –

PayU is best for big and small businesses.

5. Authorize.net


Authorize.net is the best global payment gateway for your website if your business has complex payment needs. It’s an electronic check payment system that accepts payments from other bank accounts through the website or the Authorize.net virtual terminal.   

Authorize.net is owned by Visa and gives businesses flexibility while providing vital infrastructure and security. In addition, your translation of payment is speedy and secure with Authorize.net.  

Authorize.net has over 370,000 merchants. 

How to Create an Authorize.Net Account?

  1. Go to www.authorize.net
  2. Go to Pricing and click on Get Started.
  3. Choose the plan that fits your requirements.
  4. Enter the required details.  
  5. Review and accept the Terms and Conditions.
  6. Click on the Submit button.
  7. Follow the prompts to set up and activate your account.

After this, you can access your account and set up your payment processing options.

Pros of Authorize.net

  • Transparent and fixed-rate pricing.
  • Provides 24*7 customer support.
  • No charges for early termination.
  • Easy to use.

Cons of Authorize.net

  • You have to pay a $25 monthly fee, even if you don’t use it.
  • It doesn’t have a robust point-of-sale system for in-person transactions.
  • Outdated user interface.
  • They offer their service in just 3 locations – the UK, Australia, USA.


Authorize.net is a payment gateway popular with e-commerce businesses, as it offers a variety of features such as recurring billing and fraud protection.

Best for –

Authorize.net is best for small-to-medium-sized businesses.

6. Skrill


Skrill is another well-known payment gateway that offers multiple online payments and money transfer services. It was launched in 2001 and now many top companies are Skrill’s customers. 

Skrill is one of the most successful payment gateways in the UK; it supports more than 30 currencies all over the world.

How to create a Skrill account?

  1. Go to Skrill.com
  2. Click on Register.
  3. Enter your details and create a password. 
  4. Enter other required information.

Now, you can start accepting payments with Skrill.

Pros of Skrill

  • Users can transfer money by using an email address or phone number.
  • Skrill is straightforward and fast to use.
  • It is one digital wallet payment gateway awarded by many well-known companies.
  • You can create an account in Skrill without any charges.

Cons of Skrill:

  • Skrill’s verification process takes a little long time.
  • It provides limited customer service.
Best for –

Skrill is best for global money transfers.

7. BlueSnap


BlueSnap is a global payment gateway designed to help businesses with online payments. It provides all-in-one payment platforms. BlueSnap serves 180 countries, accepts 100 currencies, and is available in 29 different languages. BlueSnap is a highly secure payment gateway with a fraud prevention system. In addition, BlueSnap connects with 30+ global acquiring banks, making international transfers faster.

How to create a BlueSnap account?

  1. Go to BlueSnap.com
  2. Click on Create an account.
  3. Enter your business email address and create a password
  4. You will get verification mail; you need to resend the mail for cross-verification.

Pros of BlueSnap

  • Faster payment procedure.
  • BlueSnap can manage bill payments, subscriptions, multi-currency translation, etc.
  • Impressive documentation.
  • BlueSnap offers risk service management.
  • BlueSnap offers an embedded checkout feature.

Cons of BlueSnap

  • BlueSnap has a complex dashboard.
  • Sometimes BlueSnap takes time to solve customers’ complaints.
  • The automatic report generation option is unavailable; you must create a report manually.
  • BlueSnap does not provide 24*7 customer support.
Best for – 

BlueSnap is best for accepting all kinds of payments such as e-commerce transactions, subscription billing models, and other online payments for different business needs.


The best payment gateway for your website depends on your specific needs and circumstances. Therefore, it is essential to carefully consider your options and choose a payment gateway that meets your business and customers’ needs.

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