Payment Gateway Software
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Checkout.com headquartered in London enables businesses with technology designed to make payments seamless. Checkout.com boasts the fastest, most reliable payments in more than 150 currencies, with in-country acquiring, fraud filters and reporting through one API. Checkout.com can…
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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…
iATS Payments is an integrated end-to-end donation processing solutions for nonprofit organizations. The iATS transaction processing services are specially designed to help nonprofit organizations save time and money on fundraising.
Bolt headquartered in San Francisco offers an ecommerce oriented payment gateway featuring in-built fraud protection powered by machine learning as well as ecommerce and mobile checkout optimization.
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Established in Melbourne in 2015, Airwallex is a payments platform that aims to transform the way businesses move and manage money globally. They state their goal is to empower businesses of all sizes to grow without borders, and by doing so, contribute to the global economy. With…
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,…
PayKickstart provides shopping cart and affiliate management for online businesses.The vendor promises to help customers increase metrics such as sales, average customer/transaction value, and monthly recurring revenue with advanced out-of-the-box tools. These include customizable…
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PhonePe is a mobile payments app that allows you to transfer money instantly to anyone, by using just their mobile number.
Razorpay Payment Gateway, from Razorpay in Bangalore, boasts easy integration, completely online onboarding, feature filled checkout and performance.
Exactly.com is a payment gateway for ecommerce projects, supporting payments in 150 currencies for global coverage, and fee-less transactions, designed to smooth interactions between frequent counterparties. Its admin panel allows the user to dive into statistics, KPIs, and opportunities.…
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…
Payline Data is a payment gateway for online merchants, brick-and-mortal purchases, and mobile application purchases acquired by Pineapple Payments in late 2017.
Accelya offers the VIVALDI suite of payment solutions for airlines, supporting card payment processing via VIVALDI CardClear, card and alternate payment resolution, chargeback claims management, and Accelya payment gateway.
MultiPass (formerly DynaPay) is a UK-based Fintech platform providing multi-currency payment accounts for businesses worldwide. The world of cross-border business transactions gets increasingly complex. MultiPass aims to develop a neo-bank solution that will meet the need for reliable…
GCPay simplifies the application for payment processes between general contractors and subcontractors by automating the payment application process. Create and exchange lien waivers, organize and collect compliance documents and improve subcontractor communication. Integrate directly…
TripleA, headquartered in Singapore, helps businesses increase their revenue by enabling crypto payments and payouts, leveraging on the fast-growing 300m+ people using cryptocurrencies. With its white-label, instant confirmation, locked-in exchange rate, real-time fiat conversion,…
WeTravel is a payment platform and booking system for travel organizers. Benefits include:Lower fees: The product allows organizers to collect funds online directly from a client's US bank account. WeTravel charges a 1% processing fee and no monthly fees. Organizers can save on…
Venmo for Business supports touch-free transactions and provides customers a secure and simple way of paying. Businesses can accept payments virtually through the app, and in-person with a unique business QR code. Business's can turn the QR code into an eye-catching point-of-sale…
Autonomous Receivables, from HighRadius headquartered in Houston, is an AI-powered accounts receivable solution. It is designed to reduce DSO and bad debt with the best Accounts Receivable Management Software. The solution connects credit, billing & invoicing, cash application, deductions,…
Biller solutions from Fiserv include the company's electronic bill presentment and payment (EBPP) for business-to-consumer service providers. It offers customers of financial institutions a convenient way to pay bills, and boasts features such as delivery of notifications via email…
Transaction Cloud is a reseller solution for SaaS companies, to handle payments, sales tax/VAT/GST compliance (collection, filing), subscription management, recurring billing, and invoicing, that can be used by companies to simplify their payment, tax, accounting and risk management…
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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:
- 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.
- 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.
- 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?
Who uses payment gateway software?
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: