94% of first impressions are based on web design. Make a good one.
79% of shoppers judge a brand's credibility by its website. Build brand credibility.
Ecommerce sales are projected to reach $5.5 trillion by 2027. Get ahead of the competition.
Go On Demand
Explore More

Web Design & Development

10 Payment Gateways In The USA For Smooth ECommerce Checkout


Imagine that you’ve made a lovely online store that shows off your products well and captures the essence of your brand.

But when it’s time for customers to click the Buy Now button, are you sure they’ll stay?

Yes, you are thinking right; we are talking about Payment Gateways.

What’s the point? Like you would trust a well-known store owner with your money, online shoppers need to know they can do the same.

Why Your Payment Gateway is More Than Just a Checkout Tool?

Your payment method is the digital handshake that lets them know their transaction is safe. The reassuring click turns people who were looking around into paying buyers.

Choosing the right gateway isn’t just a technical detail; it’s your online store’s credibility card.

In this blog, we’ll learn about factors to consider before choosing a payment platform and how your choice may enhance or wreck your success online.

Ever been to a fancy restaurant with a confusing menu? You know, the kind where you can’t tell a salad from a side dish? That’s how your customers might feel if your payment gateway isn’t crystal clear.

Think of your gateway as a well-labeled menu guiding customers through the payment process. Just like a good waiter can make a meal enjoyable, a good payment method will leave your customers satisfied and eager for more.

Like any other journey, your eCommerce journey requires a map. Your payment method is an important signpost that leads customers from “I’m interested” to “I’m sold.

It’s the link between your products and your customers’ wallets, so it should be as strong and reliable as a suspension bridge swaying in the wind.

From Doubts to Dollars: The Power of Trust

Let’s talk about trust now. When did you last hesitate to give your credit card information online? Your buyers have the same split-second of doubt, that moment of hesitation.

With the right payment gateway, these worries can be put to rest like a calm voice in a storm.

How Do Payment Gateway Works

It’s the difference between a customer who abandons their cart when they see a payment choice they don’t know and one who confidently speeds through checkout because they know their information is safe.

Curious as to which payment gateway will enhance your Shopify eCommerce store the best?

Stay tuned, and we’ll tell you about the top 10 Payment Gateways in the US that work well with Shopify.

Whether you’re just starting as a business owner or you’ve been selling online for years, this process will give you the information you need to make an informed decision that will boost sales, customer trust, and the overall shopping experience.

The right choice isn’t just a business decision but a strategic move that can take your eCommerce business to levels you never thought possible.

Get ready to turn your online store into a place where people love to check out and become lifelong fans.

Factors to Consider Before Choosing a Payment Gateway

Let’s jump right into the factors that we should consider when choosing the most suitable Payment Gateway for your Shopify Store;

Factors to Consider When Choosing a Payment Gateway

Costs: What You Pay

You should know about three types of fees;

Transaction fees are like taking a small cut of each sale of lemonade you make. For example, if you sold a cup of lemonade for $2 and the transaction fee was 2%, you would give your payment partner 4 cents of that $2.

Setup fees are like paying to set up your lemonade stand. Some payment partners will ask you for a small amount when you use their services. It’s like how much it costs to set up your lemonade stand before you start selling it.

Monthly or yearly fees are like paying rent for the place where you set up your lemonade stand. Some payment partners ask for a small amount of money every month or year to keep using their services.

Payment Methods: Giving Customers Choices

When you sell things online, you want to ensure your customers can pay however they like.

Some people like to pay with credit or debit cards like Visa, MasterCard, and American Express; others might use digital wallets like PayPal.

If you offer multiple payment methods, you might miss out on customers who prefer different options.

By providing various payment options, you’re welcoming customers to your online store, ensuring their preferred payment method is available.

Works with Shopify: A Compatible Companion

When a payment gateway works with Shopify, it’s designed to connect to its system seamlessly.

This compatibility is crucial when you use Shopify. Suppose your payment gateway isn’t integrated with Shopify. It’s like trying to fit a puzzle piece from a different set—it won’t match.

It ensures that your customers can easily go from shopping to buying, improving their experience and making it easier for you to run your store.

Customer Support: Your Trusted Lifeline

Finding a payment gateway company with reliable and easy-to-reach customer service is important. It’s also important to support different languages and time zones, especially for eCommerce companies that do business worldwide.

Support available 24/7 and in multiple languages can help ensure that any problems are fixed quickly and easily.

Security: Safeguarding Customer Data

A payment gateway is the system that handles these funds. It needs to be very safe and secure.

There are rules and standards to ensure this guard is good at its job, and level-1 PCI DSS compliance is one of the top levels. It is like a gold standard for security.

So, when you choose a payment gateway, ensure it’s super safe and follows the rules to prevent bad things from happening to your customers and your business.

Mobile-Friendly: Smooth Shopping on Phones

Your payment gateway should ensure that your online store works just as well on your phone as on a computer.

This makes it easy for customers to buy things without any trouble. In the future, it will be more common to pay for things with your phone than with a credit card, even in stores.

The rise of digital mobile wallets like Apple Pay, Google Pay, and Samsung Pay has changed how people pay with their phones, and payment systems are ensuring they work with these digital wallets.

Selling Globally: Welcoming International Customers

A payment gateway should work worldwide or for the countries you offer products. This means you can accept different money, called currencies, as payment.

It’s much simpler for the customers to pay with their own money. Also, find out how much it costs to deal with different currencies.

Changing currencies from one type to another might cost you some money.

User Experience: Streamlined Checkout Process

A user-friendly payment gateway makes the checkout process simple and clear. This makes it easy for people to finish their purchases, just like a well-designed store makes it easy to look around and buy things.

As a merchant that chooses a payment gateway, ensure the steps for checking out are clear and easy to follow.

Many people shop on their phones; the payment method should also work well on mobile phones. So, customers can finish shopping quickly and easily, just like they would in a well-run store.

Waiting Time: Understanding Holding Periods

Think about what it would be like to wait for your money to come after you’ve worked. Some payment partners might hold on to your money for a short time before giving it back to you.

When you know how long you have to wait, you can better plan how to spend your money. It’s like planning when you’ll get paid so you can pay your bills on time.

Even though payments are usually accepted quickly, the money doesn’t appear in your account for a few days.

This is because they want to ensure everything is fine and take care of any problems, such as handling refunds and chargebacks. The waiting time can be 1 to 7 days depending on the payment method.

Hosted or Not: Where Transactions Happen

There are two kinds of payment platforms. In one, customers enter payment information on the site of the payment partner. On the other hand, customers enter information on your site.

Each of these has aspects that are good and could be better. When you use the partner’s site, you don’t have to deal with personal information on your site, which makes it safer.

But it also means users must go to a different site to pay, which can take longer. Customers might give up and not try again if something goes wrong during this longer process.

Because of this, big businesses often prefer the second method, in which users stay on their site and pay for the whole thing.

Some, like PayPal Standard, send customers to their website to finish the payment. Others, like Square, let your customers stay on your website the whole time.

Limitations: Scaling Your Success

Your payment partner should be able to handle more and more customers and the needs of your growing business.

Companies like Stripe and WooCommerce are good at this – they help your business expand smoothly. Some payment gateways have a limit on how many transactions you can do in a month. If your business is small, this might be fine.

But if your business does lots of transactions or sells expensive things, you must know these limits. If you don’t, you could lose customers because you can’t process all their payments.

Recurring Payments: Simplifying Subscription Models

Suppose your online store offers services people can automatically sign up for and pay for. Your payment gateway should be able to handle this.

This means that customers don’t have to pay for their subscriptions each time by hand. Imagine you have a monthly bill that gets paid regularly, like how you pay for Netflix.

Recurring payments make it easy to collect money from people who give often. So, you need a payment partner that allows recurring billing.

Remember to;

  • look at the fees,
  • payment methods,
  • how well they work with your eCommerce platform,
  • how reliable the customer service is,
  • how strong the security is,
  • how well they work on mobile,
  • if they can sell internationally and the currencies involved,
  • how easy it is to check out if they can handle recurring payments, where transactions can be made, and
  • how big they can get.

Each factor works as a guide, pointing you toward the payment partner that best fits your needs and ensuring your online store has a smooth journey.

10 Best Payment Gateways for Online Stores in the USA

We have the top 10 eCommerce Payment Gateways that you can choose from depending on the factors we gathered for you above. Let’s get into it;

Shopify Payments

Shopify Payments Logo

Shopify Payments is a payment processing solution offered by Shopify, a popular eCommerce platform supporting 130+ currencies that enables businesses to create and manage online stores.

Shopify Payments allows merchants to accept payments directly through their Shopify stores, making the checkout process seamless and convenient for customers.

There is less room for hackers and stolen information because customers don’t have to leave your website, and you don’t need to incorporate third-party technologies.

Shopify Payments is available in these 23 countries;

Australia, Austria, Belgium, Canada, Czechia, Denmark, Finland, France, Germany, SAR of Hong Kong, Ireland, Italy, Japan, Netherlands, New Zealand, Portugal, Romania, Singapore, Spain, Sweden, Switzerland, United Kingdom & USA.

But not all types of US businesses are eligible. You can check out the eligibility on the list of prohibited Shopify business types in the US.


Credit card rates are applicable as follows:
For Basic – 2.9% + 30¢ USD Online 2.7% + 0¢ USD in-person credit/debit cards
For Shopify – 2.6% + 30¢ USD Online 2.5% + 0¢ USD in-person credit/debit cards
For Advanced – 2.4% + 30¢ USD Online 2.4% + 0¢ USD in-person credit/debit cards

Security Measures:

  • Fraud Filter: This is a setting built into Shopify that works to prevent fraudulent orders from ever making it to your inbox.
  • PCI-compliant: Shopify’s stores follow the Payment Card Industry Data Security Standard (PCI DSS) security standards. This standard is designed to help reduce fraud related to payment data.
  • SSL certificates: These digital certificates provide an encrypted connection while verifying a website’s identity.

Pros and Cons:

Pros Cons
Easy to Set up Potential 30-day Payout Period.
All-in-One Dashboard Limited availability in select countries and regions
No Additional Fees. Possible Account Issues
Seamless Integration with Shopify Platform. Fee for third-party gateways
Available 24/7 Customer Support


Paypal Logo

PayPal, used in 200+ countries by 346+ million users, is one of Shopify’s default payment gateways. You get a PayPal Express Checkout account when you open a Shopify store.

The account is linked to the same email address used for your Shopify store. You need to set up your PayPal account before you can get paid for orders made through PayPal.

Even if Shopify Payments is enabled, there are fees for all third-party and alternative payment gateways.

If you use Shopify Payments to sell in different currencies, you can also let customers pay in their currency with PayPal. When a customer pays with PayPal, their currency will be shown on the PayPal and Shopify checkout displays. Customers will also get their money back in their currency.

You can check the Multi-Currency-Support-List for more information to understand the currencies better.

For orders that use PayPal and more than one currency, each order needs to be confirmed before it can be considered paid and shipped. The payment receipt from PayPal will have information about exchange rates and any fees charged.

Want More Conversion Rates For Your Store?

Hire Our Experts



Transaction Fees: 2.9% + $ 0.30 flat fee. (If you’re selling in the US) & 4.4% + fixed fee based on the currency in the list. (outside of the US)

Note – Only customers with PayPal accounts in the United States or the United Kingdom can get buyer credit. There is no extra setup needed to let your customers use buyer credit.

Security Measures:

  • PayPal is a secure way to accept payments on your website. They make sure both your information and your customers’ details are safe.
  • They follow PCI standards, like safety rules for handling payment info. This keeps everything secure.
  • PayPal does many things to stay secure, like preventing phishing, using encryption, and smartly detecting fraud.
  • One good thing is their Seller Protection Program. It helps online sellers if they face issues like fraud or wrong claims.

Pros and Cons:

Pros Cons
Globally recognized brand Inconsistent customer service
Available in over 200 merchant countries. Customers are referred to PayPal’s website for checkout.
No setup or monthly expenses. High transaction costs
Accepts a wide variety of currencies. It may decide to close your account one day.
Provides a user-friendly mobile interface Slow dispute resolution process.
Streamlined checkout process.
Strong data security and real-time analysis


Stripe Logo

Stripe is a company supported With 135+ currencies in 25+ countries that helps businesses accept credit and debit cards as forms of payment. It works well for businesses that sell a lot of different items online.

Stripe can also handle payments from mobile wallets and “buy now, pay later” services. Offers extra services, such as helping with billing, making invoices, and automating sales tax calculations.

If you’re creating a Shopify store, you can use Shopify Payments or Stripe as your payment processor. However, Shopify will charge extra to connect any third-party processor—including Stripe.

You can use Stripe Checkout instead of making your payment page from scratch. It’s already set up in a way that makes it more likely that customers will finish paying.


Transaction Fees: 2.9% + 30¢ per successful transaction

For detailed information on the types of payment methods supported, please visit Stripe’s Payment Methods website.

Security Measures:

  • Stripe provides effective security measures to protect your data. They give you access to libraries that let you gather payment information without keeping sensitive data on your servers.
  • Stripe uses innovative encryption methods for data security. They use different infrastructures to control storage, encryption, decryption, and card data transmission. The extra security provided by this division helps to safeguard cardholder data.
  • Stripe satisfies strict safety standards. They have obtained regulatory licenses globally, demonstrating their dedication to abiding by strict regulations and laws.
  • Access to the Stripe Dashboard, where you can manage your payment preferences, is secure. They offer functions like U2F keys, two-step authentication, and granular permissions. These safeguards guarantee that only authorized users can access and change vital account settings.
Stripe supports recurring business models, and it’s great for stores that offer subscription services or other types of automatic payments.

Pros and Cons:

Pros Cons
Simple to set up. Only a few merchant countries are supported.
Transparent and simple flat-rate pricing scheme Somewhat steep learning curve.
No setup, No refund fees or cancellation fees to pay. It can be Complicated sometimes without technical help.
Tight Security. Costs can be high for merchants.
The checkout process is completely configurable.
You have options to select your Payout periods.
Outstanding customer service.
Discounts and coupon codes are available.

Amazon Pay

Amazon Pay logo

Amazon Pay is a convenient and trustworthy method for customers to buy things in your online store. They can use their saved payment and shipping details from their Amazon accounts to make purchases easily.

The good thing is you still have control over your customer interactions. Plus, Amazon doesn’t get access to your detailed product information. This means you’re in charge of the relationship with your customers.

Remember, depending on your Shopify plan and where you’re located; you might have to pay additional fees for transactions made through Amazon Pay.

Amazon Pay is eligible for Shopify in the United States, United Kingdom, Denmark, France, Germany, Hungary, Italy, Japan, Luxembourg, Netherlands, Portugal, Spain, and Sweden and supports only USD, GBP, JPY, and EUR.

You’ll see Amazon Pay as an option in the Payments section of your Shopify admin only if you’re using a currency supported by Amazon Pay


Transaction Fees: 2.2% + $0.30 for Domestic Payments & 3.2% + $0.30 for International Payments

Security Measures:

  • Retrieves access code and sets SHA type.
  • Manage interactions via URL allowlist or server.
  • Automated real-time anti-fraud measures.
  • Tiers: Protect (low risk) and Protect Plus (extra layer).
  • Standard 3D Secure: Auto for enrolled cards.
  • Flex 3D Secure: Merchant-adjusted response.
  • External 3D Secure: External processor option.
  • Standalone 3D Secure: Efficient process.
  • Amazon Payment Services is PCI compliant

Pros and Cons:

Pros Cons
Simple to setup and integrate with Shopify Payment requires an Amazon account.
Globally recognized brand Only a few international currencies are supported.
Customers can pay using their Amazon accounts. PayPal payments are not accepted.
Transactions are protected by fraud detection and merchant protection mechanisms. High possibility that your account will be terminated for violating Amazon’s policies.
No setup or recurring costs.
Saves clients the worry and time associated with entering credit card information.

Shop Pay

Shop Pay Logo

Shop Pay is a fast eCommerce checkout solution that can be enabled. Shop Pay is made to make it easier for customers to check out by letting them save their payment and shipping information safely.

Shop Pay not only speeds up the checkout process, but it also has features like order tracking and the ability to choose nearby pickup or delivery options if they are available.

This can be very helpful for customers who want to pick up their orders in person or have them sent to a certain area.

Shop Pay can be enabled or disabled in Shopify’s settings. It works with Shopify or third-party payment methods and is available for businesses selling on Facebook and Instagram.


Shop Pay doesn’t charge additional fees for its checkout services. However, as mentioned in Shopify Payments, you still need to pay standard processing rates to accept credit and debit cards online.

Security Measures:

  • Fraudulent chargeback protection with Shopify Protect.
  • PCI-compliant servers encrypt customer payment details.
  • Details are shared with the business only upon placing an order.

Pros and Cons:

Pros Cons
Simplified Checkout Process Shop Pay is unavailable in some countries.
Ease of use and integration with Shopify’s other eCommerce tools. Shop Pay is a Shopify product; online sellers or merchants who use other eCommerce platforms cannot use the solution.
Saves payment and shipping information for easy future purchases.
Advanced fraud protection
Better Customer Service like User manuals, documentation, FAQs, Phone & Emails, Live human support, and Online Community.

Verifone (Formerly 2Checkout)

2Checkout by Verifone logo

Verifone, formerly “2CheckOut,” stands out as a flexible payment method supporting 45+ Payment methods with distinctive capabilities for Shopify in 150+ countries. The payment gateway websites are available in 33 languages, enabling accessibility worldwide.

Furthermore, setting it up on your website is simple, cost-free, and needs no developer support.

Unlike many other payment methods, Verifone allows you to choose and pay only for the specific features your business needs, making it a customizable and secure payment gateway option.


Transaction Fees: 2Checkout is essentially free to use. You only get to pay a fee after successfully processing a payment. Varies from time to time.

Security Measures:

  • PCI compliance is maintained by 2Checkout.
  • Regular security audits are conducted.
  • Comprehensive tokenization for enhanced security.
  • SSL encryption for data protection.
  • Advanced fraud prevention system with over 300 fraud detection rules.

Pros and Cons:

Pros Cons
Global presence Reliance on third-party processors
Wide range of Products Charges an extra 2% to process foreign payments on occasion.
Available in 150+ merchant countries and 100 currencies. Its numerous solution packages can be confusing and difficult.
Diverse payment acceptance Costs can add up.
Advanced security features Customer service concerns.


Authorize.net Logo

Authorize.net is well-known for its sophisticated and safe credit card processing technology. It is a dependable alternative for companies in the United States because it is seamlessly linked with Shopify supporting nearly 13 currencies.

Regardless of your experience with Shopify, integrating your payment gateway with Authorize.net is simple and allows credit card payments through your Shopify store safely and securely.

Your business should be based in the United States, Canada, United Kingdom, Europe or Australia to accept international transactions from customers worldwide.


Payment Gateway Only (For owners having Merchant Account)
Monthly gateway: $25
Per transaction: 10¢, daily batch fee 10¢

All-in-One option (For owners not having a Merchant Account) –
Per transaction: 2.9% + 30¢
Monthly gateway fees: $25

Security Measures:

  • ARB and CIM store customer data on secure servers, simplifying PCI-DSS compliance.
  • Advanced fraud detection.
  • SSL encryption

Pros and Cons:

Pros Cons
Accepts International payments globally. Runs in a few locations.
Effective fraud prevention and security features. Shopify store owners may find Shopify’s all-in-one solution confusing.
Outstanding customer service Some store owners may find it too pricey.

Square Payments

Square Payments Logo

Square Payments interacts seamlessly with Square hardware and POS software, giving businesses a versatile payment option that caters to all types of transactions and consumer preferences.

Square Payments provides a wide range of payment alternatives, including credit card payments, invoicing, recurring billing, and eCommerce transactions in a few countries like
Australia, Canada, France, Ireland, Japan, Spain, United Kingdom & United States.

Square Point of Sale does not allow you to bill your clients in other currencies. You cannot change the country of an existing Square account. Still, you can establish a new account and choose any supported country.

The currency symbol and formatting of your Square Point of Sale application will be determined by the country of your account.

As a result, if you offer services in other currencies on your platform account, you must convert such services to USD before billing your clients.


Transaction Fees: 2.9% + 30¢ per transaction.

Custom pricing packages are also available.

Security Measures:

  • Square uses machine learning and data from its ecosystem ($65 billion in 2017) to adapt algorithms and combat emerging fraud trends.
  • Square products are PCI compliant, ensuring data security and saving you additional compliance costs.
  • Square prioritizes security with encrypted payments and secure hardware and software; all managed in-house.
  • Layers of defense prevent unauthorized access, with monitoring to block suspicious logins.
For detailed information on which devices are compatible with Square, you can check out the site for devices including both IOS & Android.

Pros and Cons:

Pros Cons
No monthly fees in Basic Plan Costly add-on services
Feature-rich all-in-one system Risk of having money on hold or the account can be closed
Free swipe card reader Flat-rate pricing can be costly for larger businesses
Free POS app High-risk businesses may not be accepted
Impressive customer support like Live chat, Email support, Phone, and Knowledge base Need to rely on a third-party tool to manage the connectivity between Square Payments and Shopify
Accepts offline payments Supports few countries.
Quick deposits within 2 business days


Worldpay Logo

With thousands of clients, from small businesses to large corporations, WorldPay is the largest payment provider in over 100 countries worldwide.

It was established in 1997 with over 25 years of industry experience as an online multi-currency payment system. Accepting online payments in more than 120 different currencies enables going global.

The main customer service offered by Worldpay is through phone and email; the Contact Center phone line is a primary support channel along with Developer portal documentation for merchants and partners.


Simplicity – POS: 1.50% Transaction fee with Mastercard and Visa Card transactions | £17.50 Card payment terminal

Simplicity – Gateway: 1.50% Transaction fee with Mastercard and Visa Card transactions | £19.95 Online gateway fee

Security Measures:

  • Payments processed via WorldPay are safeguarded with PCI-DSS security measures.
  • Encryption and tokenization enhance data protection.
  • EMV technology adds an extra layer of security.
  • WorldPay’s fraud prevention tools promptly alert against suspicious activities.
  • These measures collectively prevent fraudulent transactions.

Pros and Cons:

Pros Cons
Reliable customer service with many channels Ambiguous pricing structure
Charges based on the number of sales you process Information on its website is not transparent enough
Top-notch fraud protection features Long lead times in account set-up
Available in many countries & currencies


Skrill Logo

Skrill operates in roughly 200 countries throughout the world, tailoring its features and services to the region of the user. Skrill serves users worldwide with 100+ local payment methods, whether sending and receiving money, making payments, or putting funds into platforms.

Skrill was founded in 2001 in London, UK, and has been in business for almost two decades. It accepts personal and commercial accounts and provides enterprises with worldwide access. Skrill has a global footprint, accepting 40 currencies.


Quick Checkout – 1.2 % Credit Cards/Debit Cards* + EUR 0.29, 1% Rapid Transfer + 0.29 EUR
Refund: 0.49 EUR per transaction
Withdrawal: 4.00 EUR per withdrawal

Minimum Fees apply if you pay less than 10 EUR/month in processing fees

Security Measures:

  • The UK’s Financial Conduct Authority (FCA) oversees the legality and regulation of Paysafe, the parent company of Skrill.
  • Like a regular bank, Skrill’s regulatory control assures the security of consumers’ funds
  • Skrill uses strong cybersecurity safeguards, such as Secure Socket Layer (SSL) technology and 128-bit encryption, to protect transactions and stop outside parties from intercepting data.
  • Numerous security measures are in place to reduce unwanted access and stop fraudulent actions.
  • Skrill requires identity verification from all users, which involves uploading official documents to comply with regulations and stop financial fraud and online crime. Additional document verification regularly improves security and is often painless.

Pros and Cons:

Pros Cons
Skrill has Personal and Business Accounts Verification Can Take Time.
It’s Safe. Limited Customer Service
Comes with a Prepaid Card. Skrill’s UI can be slow sometimes and overcomplicated.
Skrill Works on Many Devices Low withdrawal limit.
Rewards can be redeemed as cryptocurrency.
Want More Conversion Rates For Your Store?

Hire Our Experts


Comparison of Payment Gateways for eCommerce Stores in the USA

Payment Gateway Name Transaction Fees Setup Fees Monthly/Annual Fees Payment Methods Integration with Shopify Security Measures Mobile Responsiveness International Transactions Holding Period Recurring Billing
Shopify Payments For Basic – 2.9% + 30c USD Online
2.7% + 0c USD inperson credit/debit cardsFor Shopify – 2.6% + 30c USD Online
2.5% + 0c USD inperson credit/debit cards

For Advanced – 2.4% + 30c USD Online
2.4% + 0c USD inperson credit/debit cards

Debit and credit cards
Digital wallets
Local and international payment methods.
Manual payment methods
Easy Fraud Filtered
SSL certified
Limited 3 Business Days (If in US)
Paypal 2.9% + $ 0.30 flat fee.
(If you’re selling in the US)
4.4% + fixed fee based on the currency in the list.
(outside of the US)
Rewards balances
Credit / Debit cards
Bank Transfers
Buyer credit / PayPal Credit
PayPal account balances
Easy Encryptions
Seller Protection Program
Yes 5-7 Business days
Stripe 2.9% + 30¢ for online transactions.
4.4% + 30¢ for international card transactions.
Bank debits and transfers
Cash-based vouchers
Bank redirects
Buy now, pay later
Subsidiary support
Moderate PCI DSS compliance
Innovative encryption
Strict safety standards
Two-step authentication
Limited 2 to 7 Business days
Amazon pay Web & Mobile – 2.9% + $0.30
Alexa (real-world goods, services) – 4% + $0.302.2% + $0.30 for Domestic Payments
3.2% + $0.30 for International Payments
Credit and debit cards
Amazon.com store card
Easy SHA type Encryption
Automated Real-Time Anti-fraud measures
Protect & Protect Plus Security
3D Secured.
PCI compliance
Limited 3-5 business days
Shop pay Credit / Debit cards Easy Shopify Protect.
PCI-compliance servers
Limited 1 to 3 business days
Verifone Always Varies Credit/Debit Cards
Digital Wallets
Online Banking
Direct Debit
Offline Payments
Moderate EMV compliance
PCI compliance
Regular security audits
Comprehensive tokenization
SSL encryption
Advanced fraud prevention system
Yes 24 to 96 hours
Authorize.net Payment Gateway Only
Per transaction 10¢, daily batch fee 10¢All-in-One option
Per transaction 2.9% + 30¢
$25 Credit cards
Digital eChecks
Digital Wallets: PayPal, Alipay, Apple Pay, Webmoney, WeChat Pay, Skrill Wallet, and Neteller
Easy Advanced fraud detection
SSL encryption
PCI-DSS compliance.
Limited 72 Hours
Square 2.9% + 30¢ Credit / Debits Cards
UnionPay International
Apple Pay / Google Pay
Cash App Pay
Moderate End-to-end encryption
PCI DSS compliance
Machine Learning Security
Layers of Defence
Limited 36 hours or 1-2 business days
World PaY Simplicity – POS
1.50% Transaction fee
£17.50 Card payment terminalSimplicity – Gateway
1.50% Transaction fee
£19.95 Online gateway fee
£19 – £45pm Credit cards.
Debit cards.
Digital and mobile wallets (e.g., Apple Pay, Google Pay).
Electronic checks (ACH transfers).
Gift cards.
Moderate Encryption
PCI-DSS security measures.
Encryption and tokenization
EMV technology
WorldPay’s fraud prevention tools
Yes 2-3 working days
Skrill Quick Checkout
1.2 % Credit Cards/Debit Cards + EUR 0.29, 1% Rapid Transfer + 0.29 EURRefund
0.49 EUR, per transaction

4.00 EUR, per withdrawal

Credit / Debit cards
Instant bank transfers
Cash payments
Easy UK’s Financial Conduct Authority (FCA)
Secure Socket Layer (SSL) technology
128-bit Encryption
Identity verifications
Yes 1 – 5 business days

Disclaimer: Kindly note that the information provided, including pricing and other factors, is current but subject to potential changes over time. We recommend verifying the latest details before making any decisions.

FAQs – Frequently Asked Questions

Q. Why is a payment gateway required for an eCommerce store?

A. A payment gateway is essential for secure online transactions in an eCommerce store, enabling the smooth processing of customer payments.

Q. Can I make use of multiple payment gateways on my Shopify store?

A. Yes, Shopify allows multiple payment gateway integration to offer customers diverse payment options at checkout.

Q. What are the transaction fees associated with payment gateways?

A. Transaction fees vary based on the payment gateway you choose. Shopify also charges transaction fees for using external payment gateways. Still, these can be reduced using Shopify’s built-in payment gateway, Shopify Payments.

Q. Are there any hidden fees while using payment gateways on Shopify?

A. Some payment gateways might have hidden charges; carefully review terms to avoid unexpected fees while using Shopify.

Q. How long does setting up a payment gateway on my Shopify store take?

A. Setup time can depend on the chosen payment gateway and your familiarity with the process. Some gateways offer quick integration, while others might require additional documentation or verification.

Q. What happens if a customer’s payment fails during checkout?

A. Suppose a customer’s payment fails during checkout. In that case, they usually receive an error message and are prompted to retry or choose an alternative payment method.

Q. Are there any restrictions on the types of products I can sell using payment gateways on Shopify?

A. While most products are acceptable, there might be restrictions depending on the payment gateway or local regulations. It’s important to review the terms of service and policies of the chosen gateway.

Q. Do payment gateways offer tools for tracking and analyzing transactions?

A. Yes, payment gateways often provide dashboards and reports that allow you to monitor transaction activity, sales trends, and other insights to help you manage your business.

Which Payment Gateway Is the Most Suitable for You?

Choosing a payment method for your eCommerce store is a very important choice that can have a big impact on the success of your business and how happy your customers are.

There are too many options to choose from. Still, think carefully about what we’ve discussed in this blog. In that case, you can easily choose one that fits your business needs and your customer’s preferences.

Remember that each online business is different, and the payment gateway that works well for one may not be the best choice for another.

Check out your business model, the audience you are targeting, the areas you can reach, your technical skills, and your budget.

By doing this, you’ll determine which features and functions are most important for your business.

Your choice of payment method is a key part of reaching this goal. By making a well-informed choice based on a thorough analysis of your needs, you’ll pave the way for a successful online business and build strong customer relationships.

Rishi Thakker

Rishi Thakker

Rishi Thakker is the founder and CEO of Huptech Web, an eCommerce development and marketing firm that helps companies attract visitors, convert leads, and close customers. His unique writing tips give startups and well-known brands a palpable action plan full of innovation unmatched.

Leave a Reply

Your email address will not be published. Required fields are marked *