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Payment Gateway Software

Best Payment Gateway Software

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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

Listings (76-94 of 94)

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Tap2Pay is a platform that accepts online payments for SMB. The vendor touts Tap2Pay's high conversion rate across digital channels: websites, social networks, and popular messengers. Tap2Pay provides a secure buying experience in 2 clicks via the express checkout widget, without any redirection or…

We don't have enough ratings and reviews to provide an overall score.

MANGOPAY is a payment solution for marketplaces, crowdfunding and fintech platforms. MANGOPAY provides its customers with a developer-friendly API and a white-label solution which can be seamlessly integrated in users' designs. It enables platforms to accept multiple currencies and multiple payment …

We don't have enough ratings and reviews to provide an overall score.

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.

We don't have enough ratings and reviews to provide an overall score.

Par Technologies (ParTech) headquartered in New Hartford offers PAR Pay, a payment solution supporting EMV, and near field communications (NFC), options like Paypal, Google Pay, Apple Pay, or Samsung Pay.

We don't have enough ratings and reviews to provide an overall score.

Securus Technologies offers GovPayNet, a payment processing solution for governments and criminal justice agencies, for collection of fines and other debts.

We don't have enough ratings and reviews to provide an overall score.

Sila is an early stage startup headquartered in Portland. The company’s core product is a suite of payments and financial technology APIs that rolls up many frequently used services into a single solution. According to the vendor, this makes developing applications that require banking integration f…

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Flywire headquartered in Boston offers their secure global payment platform to keep money moving around the world. Flywire offers a custom payment solution and collections network, and is designed to streamline payments process from start to finish.

We don't have enough ratings and reviews to provide an overall score.

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.

We don't have enough ratings and reviews to provide an overall score.

RallyPay is an omni-channel payment gateway designed for a variety of purposes as an alternative to Paypal, from fundraising specialist RallyPiryx (Rally.org) headquartered in San Francisco.

We don't have enough ratings and reviews to provide an overall score.

MONEI is an ecommerce payment gateway from microapps headquartered in New York.

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BillMatrix Next from Fiserv gives consumers the flexibility to easily set up payments from their accounts, create and maintain digital wallets and schedule one-time, recurring and automatic payments. Consumers can access accounts from their mobile phones, tablets, and laptops and make payments when …

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Fiserv's Popmoney is a person-to-person payment service from Fiserv that allows consumers to conveniently send, receive and request money with an email address, mobile phone number or account number, eliminating the need for checks and cash.

We don't have enough ratings and reviews to provide an overall score.

SDK.finance offers an out-of-the-box cashless payment solution designed to eliminates on-site cash handling, reduces potential losses and maximizes revenue. Visitors are able to make purchases with a single tap of their NFC device. Adding balance to NFC devices is easy and can be done at designated …

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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.

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Pinnacle Cart is a web store builder application that allows companies to create, manage and market an online store. The vendor says their solution is built from a marketing perspective and is designed to help companies increase visitors, conversions and sales. Pinnacle Cart can be customized to me…

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iPay is a payment gateway software solution offered by ADP.

We don't have enough ratings and reviews to provide an overall score.

BitPay is a payment gateway software solution offered by BitPay.

TrustRadius Top Rated for 2020

2020 Top Rated Payment Gateway Software

There are plenty of options out there, but here's our shortlist of the best Payment Gateway Software. These products won a Top Rated award for having excellent customer satisfaction ratings. The list is based purely on reviews; there is no paid placement, and analyst opinions do not influence the rankings. To qualify, a product must have 10 or more recent reviews and a trScore of 7.5 or higher, indicating above-average satisfaction for business technology. The products with the highest trScores appear first on the list. Read more about the Top Rated criteria.

Stripe

Stripe

103 ratings