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Stripe, Adyen, and 2Checkout are my apical picks for the champion outgo gateway that offers precocious customization, planetary reach, and flexible outgo options.
- Best overall: Stripe
- Best for subscription and recurring billing: Braintree
- Best for ample enterprises: Adyen
- Best for planetary commerce: 2Checkout (now Verifone)
- Best for extended fraud protection: Authorize.net
A outgo gateway handles the authorization and processing of payments betwixt the merchant and the fiscal institutions. It ensures secure, businesslike transactions, integrating straight with systems to facilitate online oregon in-person sales.
Selecting a outgo gateway is captious to ensuring seamless and unafraid outgo processing. For developers and tech-savvy businesses, this means looking for 1 that aligns with your method requirements, offers beardown API capabilities, and provides robust information measures to support against fraud.
Top outgo gateways comparison
The close outgo gateway depends connected your concern needs. For this list, I looked astatine gateways that are known for their flexibility and customization options and I evaluated each 1 based connected their pricing, information features, outgo features, and support.
| Stripe | 4.59 | $0 | Flat-rate, interchange upon request | 24/7 phone, email, chat support | 99.99% | Instant |
| Braintree | 4.49 | $0 | Flat-rate, interchange upon request | 24/7 exigency support | 99.99% | Instant unless further docs are needed |
| Ayden | 4.43 | $0 | Varies | Via enactment ticket | 100.00% | Manual approval |
| 2Checkout (now Verifone) | 4.39 | $0 | Flat-rate | 24/7 merchant support | 99.98% | Manual approval |
| Authorize.net | 4.36 | $25 | Flat-rate | 24/7 telephone and chat support | 99.99% | Manual approval |
Stripe: Best overall
Our rating: 4.59 retired of 5
Image: Stripe
Stripe stands retired arsenic the champion outgo gateway for developers and tech-savvy businesses due to the fact that of its almighty API, extended developer tools, and customizable outgo solutions. It excels successful handling analyzable outgo flows, planetary outgo support, and seamless integrations, which let users to make tailored checkout experiences. Stripe besides offers zero monthly fees, instant approval, and 24/7 support, making it a cost-effective and accessible solution for businesses of each sizes.
Why I chose Stripe
When it comes to API flexibility, SDK availability, and customizability, Stripe is apical of caput among tech-savvy businesses and developers. It holds up good to its developer-friendly estimation — it offers the astir robust and well-documented APIs, SDKs successful immoderate language, and precise progressive developer communities. Less tech-savvy businesses volition inactive find worth successful utilizing Stripe arsenic its outgo gateway due to the fact that of its galore casual third-party integrations that necessitate little coding than afloat customizations. It is besides 1 of the precise fewer outgo gateways that let businesses to instantly commencement accepting payments without immoderate upfront outgo oregon lengthy support times.
Pricing
- Monthly fee: $0
- Payment processing fees:
- In-person transactions: 2.7% + 5 cents per transaction.
- Online transactions: 2.9% + 30 cents per transaction.
- Keyed-in transactions: 3.4% + 30 cents per transaction.
- ACH payments: 0.8%, capped astatine $5 per transaction.
- Add-on fees:
- Invoicing: 0.4% per paid invoice.
- Recurring billing/subscription: 0.7% of billing volume.
- Cross-border fee: 1.5% per transaction.
- Currency conversion: 1% per transaction.
- Custom pricing disposable for high-volume businesses.
Features
- Powerful API and developer tools.
- SDKs successful Ruby, Python, PHP, Java, Node, Go, .NET, HTML, JavaScript, React, iOS, Android, and React Native.
- 24/7 lawsuit support.
- Advanced fraud detection and extortion tools.
- PCI-SSS Level 1 compliant.
- Accepts astir outgo methods.
- Supports 40+ countries and 130+ currencies.
The Stripe Dashboard. Image: StripePros and cons
| Highly customizable with almighty APIs and developer tools. | Add-on fees for billing and invoicing. |
| No monthly fees. | Account stableness issues (sudden holds). |
| Wide country- and currency-support. | Flat-rate processing fees tin beryllium costly for low-volume businesses. |
| Advanced fraud detection and information features. | Does not enactment with different merchant accounts. |
| 24/7 lawsuit support. |
Braintree: Best for subscription and recurring billing
Our rating: 4.49 retired of 5
Image: Braintree
Braintree, a PayPal company, is simply a outgo gateway that offers flexible outgo options, customizable tools, and seamless integration with large platforms. Its robust subscription and billing capabilities marque it an fantabulous prime for businesses focused connected these outgo options, particularly with Braintree’s enactment for aggregate currencies and outgo methods.
Why I chose Braintree
Braintree stands retired for its dedicated absorption connected subscription and recurring billing, providing a wide scope of tools designed to simplify the absorption of these analyzable outgo flows. Its transparent pricing exemplary and precocious features, specified arsenic dynamic power implicit billing intervals, lawsuit management, and casual integration with integer wallets, marque it perfect for subscription-based businesses.
Braintree’s fraud extortion and elaborate analytics springiness businesses the insights they request to optimize their billing processes and heighten lawsuit experience, mounting it isolated from different gateways that whitethorn necessitate much analyzable configurations for akin capabilities.
Pricing
- Monthly fee: $0
- Processing fees:
- Cards and integer wallets: 2.59% + 49 cents per transaction.
- Venmo: 3.49% + 49 cents per transaction.
- ACH payments: 0.75%, capped astatine $5 per transaction.
- Add-on fees:
- Cross-border fee: 1% per transaction.
- Currency conversion: 1% per transaction.
- Custom pricing disposable for high-volume businesses.
Features
- Robust subscription and billing tools.
- Accepts PayPal and Venmo.
- SDKs successful Ruby, Python, PHP, Java, Node, Go, .NET, JavaScript, iOS, Android, and React Native.
- Wide assortment of casual third-party integrations.
- Advanced fraud protection.
- Supports 40+ countries and 130+ currencies.
- Data portability for those switching from different gateways.
- Sandbox situation for testing.
The Braintree dashboard. Image: BraintreePros and cons
| Accepts PayPal and Venmo. | Higher modular flat-rate fees. |
| Robust subscription and billing tools. | Limited enactment for modular lawsuit service. |
| White-glove enactment for endeavor businesses. | Account support whitethorn beryllium much stringent and lengthy. |
| Works with different merchant accounts. |
Adyen: Best for ample enterprises
Our rating: 4.43 retired of 5
Image: Ayden
Adyen is highly suitable for ample enterprises that request a scalable solution with its wide scope of outgo methods and currencies. It is known for its robust, all-in-one platform, ample planetary presence, precocious fraud protection, and real-time reporting. It uses an interchange positive processing interest operation wherever each transaction is charged the outgo method interest positive a fixed add-on Adyen processing fee.
Why I chose Adyen
With its availability successful 100+ countries and enactment for 180+ currencies, Adyen is known for its quality to grip the analyzable needs of ample enterprises, peculiarly those with a planetary footprint. It allows merchants operating crossed aggregate regions to connection their customers assorted outgo methods wrong a azygous streamlined solution. Adyen’s precocious fraud extortion and real-time analytics besides supply enterprises with captious insights and security, enhancing wide efficiency.
Additionally, it is besides the lone outgo gateway connected this database that offers modular interchange-plus pricing–the different providers, similar Stripe and Braintree, whitethorn connection interchange-plus pricing but lone upon request.
Pricing
- Monthly fee: $0
- Payment processing fees: Payment method interest + 13 cents per transaction.
- May necessitate reserves.
Features
- Global outgo processing.
- SDKs successful C#, Go, Java, Node, PHP, Ruby, Python, .NET, HTML, React, iOS, Android, and React Native.
- Supports 100+ countries and 180+ currencies.
- A unified level that integrates acquiring, processing, and settlement.
- Real-time analytics and reporting.
- Scalable infrastructure.
- Advanced fraud extortion tools.
- Sandbox situation for testing.
Pros and cons
| Easily scalable for ample enterprises. | May necessitate reserves. |
| Extensive planetary outgo options. | Less suitable for tiny businesses. |
| Interchange-plus pricing. | Does not enactment with different merchant accounts. |
2Checkout (now Verifone): Best for planetary commerce
Our rating: 4.39 retired of 5
Image: 2Checkout
2Checkout, present rebranded arsenic Verifone, is an fantabulous outgo gateway for businesses focused connected planetary commerce due to the fact that of its extended planetary scope and enactment for aggregate currencies and outgo methods. It offers customizable checkout options, built-in taxation and compliance management, robust fraud protection, and merchant of grounds services.
Why I chose 2Checkout
2Checkout stands retired for its quality to enactment planetary businesses with localized outgo options. It supports 230+ countries, 30+ languages, and 100+ currencies — much than immoderate different outgo gateways connected this database — and has built-in taxation and compliance absorption tools that simplify cross-border transactions.
Unlike different gateways, 2Checkout besides acts arsenic the merchant of record, which means it takes connected the liabilities to the customers, handles compliance, and handles taxes, refunds, and chargebacks. This, on with its robust fraud extortion and customizable checkout options, makes it a beardown prime for businesses looking to grow internationally with minimal hassle.
Pricing
- Monthly fee: $0
- Processing fees:
- 2Sell Plan: 3.5% + 35 cents per transaction.
- 2Subscribe Plan: 4.5% + 45 cents per transaction.
- 2Monetize Plan: Tailored pricing.
Features
- Supports 230+ countries, 30+ languages, and 100+ currencies.
- Merchant of grounds services.
- Advanced fraud protection.
- Integrated taxation management.
- Detailed reporting and analytics.
The 2Checkout dashboard. Image: 2CheckoutPros and cons
| Extensive planetary scope and support. | High transaction fees. |
| Merchant of grounds services. | Account holds without anterior notice. |
| Localized checkout experience. | Subscription absorption has add-on fees successful the lowest plan. |
| Does not enactment with different merchant accounts. |
Authorize.net: Best for extended fraud protection
Our rating: 4.36 retired of 5
Image: Authorize.net
Authorize.net is 1 of the astir fashionable outgo gateways that is perfect for businesses that prioritize extended information and fraud prevention. It has a user-friendly interface, a wide scope of integrations, and aggregate outgo options. This is the lone outgo gateway connected this database that allows merchants to usage their existing merchant account, if they already person one.
Why I chose Authorize.net
Its exceptional absorption connected information makes Authorize.net a apical prime for merchants looking for a highly reputable, reliable, and unafraid platform. Its Advanced Fraud Detection Suite provides implicit a twelve customizable fraud filters, which assistance support from suspicious transactions. Additionally, Authorize.net’s flexibility successful allowing businesses to usage their existing merchant accounts makes it a suitable prime for high-risk merchants oregon different merchants with unsocial concern models.
Pricing
- Monthly fee: $25.
- Processing fee:
- All-in-one plan: 2.9% + 30 cents per transaction.
- Payment gateway+eCheck plan:
- Credit paper transactions: 10 cents per transaction + 10 cents regular batch fee.
- eCheck: 0.75%.
- Payment gateway plan: 10 cents per transaction + 10 cents regular batch fee.
Features
- Comprehensive fraud protection.
- Customer accusation manager.
- Invoicing and recurring payments.
- Allows usage of your ain merchant account.
- Detailed reporting tools.
- 24/7 lawsuit support.
The Authorize.net dashboard. Image: Authorize.netPros and cons
| Works with existing merchant accounts. | Monthly fees marque it costly for tiny businesses. |
| Robust fraud prevention tools with customizable filters. | Only disposable for merchants successful the US and Canada. |
| 24/7 lawsuit support. |
How bash I take the champion outgo gateway for my business?
Choosing the champion outgo gateway depends connected your unsocial concern needs, industry, and plans for growth. For tech-savvy merchants oregon developers looking for a outgo gateway for their projects, look for outgo gateways with robust API capabilities, wide SDK connection availability, and broad developer documentation.
If your concern values customization and integration flexibility, Stripe’s almighty API and developer tools marque it a apical choice. For ample enterprises with planetary reach, Adyen stands retired with its extended planetary enactment and interchange-plus pricing model. Meanwhile, 2Checkout is perfect for companies targeting planetary markets, acknowledgment to its broad planetary scope and built-in compliance management.
For businesses focused connected subscriptions oregon recurring billing, Braintree provides robust tools that marque managing analyzable outgo models straightforward and efficient. If information is your apical priority, Authorize.net offers precocious fraud prevention tools that supply bid of mind, on with the flexibility to usage your existing merchant account.
Ultimately, the close outgo gateway volition align with your concern model, manufacture requirements, and maturation ambitions — prioritize 1 that offers the circumstantial features, pricing, and enactment your concern needs to thrive.
Methodology
I evaluated respective outgo gateways that connection APIs and developer tools based connected respective criteria: information and compliance, integration and API capabilities, outgo features and planetary reach, show and reliability, pricing and contract, and idiosyncratic acquisition and support. My probe for this nonfiction progressive in-depth investigation of merchandise pages and documentation, reappraisal of idiosyncratic feedback, and instauration of trial accounts, if available.
This nonfiction and methodology were reviewed by our retail expert, Meaghan Brophy.
English (US) ·