Payment Gateway Software

Best Payment Gateway Software include:

Stripe.

Payment Gateway Software TrustMap

TrustMaps are two-dimensional charts that compare products based on trScore and research frequency by prospective buyers. Products must have 10 or more ratings to appear on this TrustMap.

Payment Gateway Software Overview

What is Payment Gateway Software?

Payment Gateway Software helps connect ecommerce websites to a bank or merchant account in order to process online payments and transfer sensitive credit card information securely.

There are three major methods the payment gateway can utilize, depending on the vendor's approach and the level of security and compliance the business must support:

  • A form filled out on the company's own website, where the data is then sent through the payment gateway

  • A redirect to the payment gateway (on a separate website where the customer can fill out payment information)

  • A form powered by the payment gateway vendor that collects information on the company's website but connects straight into the payment gateway vendor's server

The first option is the least secure but allows for the most consistent branding and customer experience. The second option is the most secure data-wise, but also the most disruptive customer experience, since the customer has to leave the ecommerce site to input their billing information. The third option offers a happy medium, but still requires some security precautions and visual compromises, since the look and feel of the gateway module is likely to be different from the rest of the site.


Some vendors bundle payment gateways with point of sale systems (POS) for physical business locations. Others offer more comprehensive merchant solution tools, such as customer management, invoicing, recurring billing, and more. Buyers should choose a payment gateway that connects easily to their ecommerce platform; most ecommerce providers have a list of the payment gateway connectors/integrations they offer on their websites.

Payment Gateway Features and Capabilities

Most Payment Gateway vendors offer the following important basic and advanced features. The advanced features are generally only available for an additional fee.

Basic Features and Capabilities:

  • Processes multiple types of credit and debit cards

  • Processes ACH Payments and eChecks

  • Secure payment processing

  • Payment analytics and reporting

  • Multi-currency

  • Storage of customer information

  • Third party integrations

  • PCI compliance

Advanced Features and Capabilities:

  • Recurring subscriptions and billing

  • Invoicing

  • Fraud prevention

  • Buyer authentication

  • POS system

Pricing Information

Software that strictly offers payment gateway services charges per transaction, which can run as low as $0.10 per transaction. Some vendors charge a recurring monthly fee in addition to these transaction fees.


More comprehensive products that are considered merchant solutions generally charge per transaction, most often comprised of a percentage plus flat fee (ranging from 2.2% to 2.9% plus $.30). Again, a few vendors will also charge a recurring monthly fee.


High volume enterprise level companies should work with the vendor to obtain custom pricing. Fraud prevention, a POS system, invoicing and other advanced features will typically incur an add-on fee in addition to the charges described above.


Payment Gateway Products

(1-25 of 95) Sorted by Most Reviews

Stripe
104 ratings
47 reviews
Top Rated
Stripe is a payment gateway software solution which supports a range of payment related needs such as subscription management and recurrent billing via Stripe Billing, integration with third party payment services via the Stripe Connect API, assistance starting an Internet business which accepts pa…
PayPal Payments
109 ratings
39 reviews
PayPal Payments is a payment gateway software solution offered by PayPal.
Authorize.Net
26 ratings
11 reviews
Authorize.Net is a payment gateway software solution offered by Visa featuring secure data processing and fraud protection.
Braintree
30 ratings
10 reviews
Braintree, a Paypal service and subsidiary, is a billing platform which stores credit card data directly from the merchant’s systems on secure servers, and it allows for cards to be recharged or refunded . Braintree also supports international payments. Pricing is 2.9% plus a 30c transaction fee.
PaySimple
11 ratings
9 reviews
PaySimple is a payment gateway software solution offered by PaySimple.
Amazon Pay
14 ratings
7 reviews
Amazon Pay is a payment and fraud protection service for ecommerce merchants allowing shoppers to log in with their amazon credentials and make purchases.
WePay
7 ratings
7 reviews
WePay is a payment processing and mobile point-of-sale (mpos) software solution with features such as facilitating payments between buyers & sellers and instantly enabling users to accept donations. WePay was acquired by Chase in 2017.
Coinbase
20 ratings
6 reviews
Coinbase is a point-of-sale software solution with features such as an international digital wallet and bitcoin currency acceptance.
Paytm
9 ratings
5 reviews
Paytm is a mobile payment processing app from Indian company One97 Communications.
Billtrust
11 ratings
5 reviews
Billtrust is a payment cycle management solution, offering invoice delivery, multi-channel payment enablement, and payment posting.
CyberSource
4 ratings
4 reviews
CyberSource is a payment gateway software solution acquired by and supported by Visa since 2010.
Google Pay (formerly Google Wallet)
13 ratings
4 reviews
Google Pay (including Google Pay Send, formerly Google Wallet) is a payment processing solution from Google.
iATS Payments
7 ratings
3 reviews
iATS Payments is a payment gateway software solution offered by IATS, LLC..
BlueSnap
4 ratings
3 reviews
BlueSnap is a global eCommerce platform with flexible integration options and PCI Level 1 security.
2Checkout All-in-one Monetization Platform
13 ratings
3 reviews
2Checkout is designed to address the complexity of online commerce, subscription billing, and global payments for software, SaaS and online services companies. The vendor says that their solution is backed by: a proven cloud platform, unmatched expertise and a depth of digital commerce services. The…
BluePay
4 ratings
3 reviews
BluePay is a payment gateway software solution offered by BluePay Processing, LLC.
Priority Rerun
2 ratings
2 reviews
Rerun allows users to automate recurring payments from customers and clients by credit card or bank transfer (ACH). Set up is minimal: users can create payment streams based on how they want to accept payment for products or services. Payment streams can charge customers one time, or users can se…
Cardknox
2 ratings
2 reviews
Cardknox is an omnichannel payment gateway that can be integrated with POS systems, ERP software, e-commerce, and mobile platforms. The vendor states they offer flexible payment solutions and innovative technology to qualify transactions for the lowest interchange rates. Cardknox further states they…
First Data - ICICI Merchant Services
3 ratings
2 reviews
First Data and ICICI Merchant Services combines a payment gateway and point-of-sale software and hardware solutions with features such as card & check acceptance, and merchant mobile commerce solutions, and ecommerce gateway. First Data merged with Fiserv in July 2019.
Vantiv
2 ratings
2 reviews
Vantiv is an American payment gateway software solution which merged with British payment processing company Worldpay in 2017. The new entity will take the name Worldpay.
TransferWise
5 ratings
2 reviews
TransferWise in London offers their international payments solution to rival Paypal, touting better international rates with their borderless accounts.
Radial Omnichannel Technology (f.k.a. eBay Enterprise Retail Order Management)
2 ratings
1 reviews
eBay Enterprise offers Retail Order Management (or the eBay Enterprise Exchange Platform) presents a complete inventory and order management solution for omnichannel retailers. Via module the module Payments, Tax & Fraud, it can be expanded to include a payment gateway with fraud protection.
FuturePay
1 ratings
1 reviews
FuturePay is a payment gateway software solution offered by FuturePay.
Fiserv Biller Direct
1 ratings
1 reviews
Biller Direct from Fiserv is an electronic bill presentment and payment (EBPP) for business-to-consumer service providers. It includes features like a customizable online payment gateway that matches the look and feel of the user's website, automated delivery of notifications via email or mobile dev…