Payment Gateway Software

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1 headquartered in London enables businesses with technology designed to make payments seamless. boasts the fastest, most reliable payments in more than 150 currencies, with in-country acquiring, fraud filters and reporting through one API. can…

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Stripe Payments

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…

PayPal Payments Pro

PayPal Payments Pro is an enterprise-class ecommerce payment solution, that provides payment processing security to build a professional-grade ecommerce site. It can be configured to meet business needs and works across devices. Users can tap into over 390 million active customer…

3 headquartered in London enables businesses with technology designed to make payments seamless. boasts the fastest, most reliable payments in more than 150 currencies, with in-country acquiring, fraud filters and reporting through one API. can…

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Payoneer headquartered in New York offers a global payment solution enabling business to manage international payments, bill or request payments from clients, receive payments through popular marketplaces, and pay freelance workers no matter where they are.

5 is a payment gateway software solution offered by Visa featuring secure data processing and fraud protection.

Amazon Pay

Amazon Pay is a payment and fraud protection service for ecommerce merchants allowing shoppers to log in with their amazon credentials and make purchases.

Xoom, a PayPal Service

Xoom, a PayPal Service, is an online money transfer service for quickly sending money internationally.

Google Pay

Google Pay (including Google Pay Send, formerly Google Wallet) is a payment processing solution from Google.

Apple Pay

Apple Pay is a payment gateway the vendor states gives customers an easy, secure, and private way to pay in stores, within apps, on the web, and in Business Chat.


Paytm is a mobile payment processing app from Indian company One97 Communications.


Adyen is a payment gateway software solution offered by Adyen.

Braintree, a PayPal service

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…


PaySimple is a payment gateway software solution offered by PaySimple.

Visa Acceptance Solutions (CyberSource)

CyberSource, acquired by Visa in 2010 and now part of Visa Acceptance Solutions, is payment technology, and includes offerings with flexible payment solutions that work across the globe.


BlueSnap is a global eCommerce platform with flexible integration options and PCI Level 1 security. Additional capabilities include BlueSnap’s AR Automation Software (formerly Armatic, acquired October 2019) which streamlines the entire quote-to-cash process, and its Subscription…


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.


Skrill is a payment gateway software solution offered by Skrill USA, Inc..


GoCardless, from the company of the same name in San Francisco, is a recurring payments platform that integrates with the applications businesses use every day, to give businesses more visibility over payments and saving the time on tasks like payment reconciliation. The vendor states…


Thryv is an all-in-one small business marketing solution providing CRM, marketing automation, calendaring and appointment reminders, directory listings, and other features.

Fiserv (First Data) - ICICI Merchant Services

Fiserv (formerly First Data) and ICICI Merchant Services combined 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…

2Checkout from Verifone

The 2Checkout Monetization Platform, now from Verifone (acquired September 2020) 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:…

Worldpay from FIS

Worldpay, now from FIS (acquired July, 2019) is a solution designed to simplify payment acceptance and improve the user's bottom line by accepting traditional and alternative payment types anywhere, any time, on any device and across channels. Worldpay from FIS also guides crypto…


London-based Paddle offers an ecommerce and subscription management solution for software companies seeking a streamlined demonstration of their services and centralized management of their different service levels and cloud-based offerings.

Opayo by Elavon

Opayo is the name for the former Sage Pay, an online payment and invoicing solution formerly from Sage, acquired by Elavon in 2019.

TSYS Payment Gateway

TSYS headquartered in Columbus, Georgia offers as part of the company's merchant services a payment gateway, as well as other ancillary services.

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.

Learn More About Payment Gateway Software

What is Payment Gateway Software?

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

There are three major methods the payment gateway software 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 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. Many users also frequently integrate payment gateway software with blogging software, if they’re in the process of converting their blog to an online store.

Payment Gateway Features

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

  • Recurring subscriptions and billing
  • Invoicing
  • Fraud prevention
  • Buyer authentication
  • POS system

Payment Gateway Software Comparison

Before deciding to invest in a payment gateway solution and link it to your bank account, consider the following key points:

  1. Customer preference: What is your customers’ preferred online payment method? Do they typically pay with credit cards, Apple Pay, PayPay, or other online payment system? Consider which method of payments the majority of your customers will be using before choosing a new payment gateway provider.
  2. Customer support: What level of customer support does the payment gateway provider offer? For example, do they respond to issues promptly? Are any bugs you or your users experience resolved quickly? Some payment gateway providers have higher customer support rating scores than others. Click the ‘product details’ tab on TrustRadius to view a product’s customer support rating.
  3. Price model: What type of pricing model does the product have? Will it continue to be cost-effective as your online business grows, or will the fee percentages increase as your revenue increases? If you’re planning to scale up your business quickly, make sure to pick a product that won’t penalize you for rapid revenue growth.

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, which are most often composed 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.

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Frequently Asked Questions

What does payment gateway software do?

Payment gateway software is an interface that connects an online merchant’s website to a customer’s bank account. It allows customers to make purchases directly on the online seller’s website and have the funds drawn out of their account. Importantly, they also provide online businesses with a secure way to process payments and sensitive information (e.g. credit card numbers).

Who uses payment gateway software?

Payment gateway software is commonly used by B2C companies, especially eCommerce businesses. No matter the size of your business, if you plan on selling products online, you’ll need a payment gateway system. Nonprofit organizations also commonly use payment gateway software as a way to collect donations.

What is the best payment gateway software?

Some of the most popular payment gateway software products on TrustRadius, based on the number of end-user verified reviews they have, are:

How much does payment gateway software cost?

Payment gateway software providers typically charge between 2.20%-2.90% per transaction, sometimes plus an additional flat fee of between 20-30 cents. Some vendors also charge a monthly subscription fee, which can range from $10-$25 per month.