I believe you have a fair conception about payment gateways. This is online payment system used in web applications for money transactions paying for the product or service or receiving the same. In online business, either through websites or other online applications payment transactions are transferred through gateways. This is the system developed identically by different top online finance application developers to boost up online business worldwide helping transferring payments hiding banking details, changing currencies, combining banks and banking systems of different countries.

Below, according to my choice, I have sorted out top 10 online payment gateways with a developers view. Out of a lot, I have chosen only those which are helpful to developers to create easy and comfortable but stable and safe payment carts in eCommerce sites. These are also highly secured, standard and big business bully of their trade worldwide.



PayPal

PayPal is one of the world’s most widely used payment gateway system processing about 10 million payments every day. PayPal has more than 157 million active accounts or digital wallets in 203 markets and allows customers to get paid in more than 100 currencies. This can also withdraw funds to their bank accounts in 57 currencies and hold balances in their PayPal accounts in 26 currencies which make it easy and comfortable to transfer and request payments. Other PayPal perks include accepting checks through a smartphone’s camera, a card swiper, and allowing customers to make a purchase without leaving your site.

Feature:

i)Paypal accepts MasterCard, Visa, Discover, American Express and more.
ii)Paypal accept multiple currencies like US dollars, Canadian dollars, Australian dollars, euros, British pounds, Japanese yen, New Zealand dollars, Swiss francs, Hong Kong dollars, Singapore dollars, Swedish kronor, Danish kroner, Polish zlotys, Norwegian kroner, Hungarian forints, Czech koruny, Israeli new shekels, Brazilian Reals (only for members resident in Brazil), Malaysian Ringgit (only for members resident in Malaysia), Philippine pesos, new Taiwan dollars, Thai baht, TRY for Turkish Lire (only for members resident in Turkey), Russian roubles and Mexican pesos.
iii) Send money to anyone with an email address in 203 countries and regions.
iv)Sandbox: Try out applications (Website Payments, IPN and APIs) in a self-contained testing environment.
You can see all features list here

Pricing:

You can check paypal price value here.

Companies that use paypal:

Walmart, adidas, overstock.com, ebay, SkinStore, BestBuy, ICE, DELL, FTD, eBags, vistaprint and many other big companies use Paypal.
You can check complete list here.

Authorize.Net

It is the most widely used payment gateway on the internet – probably because it’s one of the earliest online money transfer system from 1996. Currently, there are over 375,000 merchants handling more than $88 billion in annual transactions safely through credit cards and e-checks. Authorize.Net also provides a virtual credit card terminal for offline card processing. Authorize.Net Virtual Terminal can simply complete and submit an encrypted electronic form without any credit card machines through the Authorize.Net website with necessary information needs to complete the transaction. With the completion, the merchant receives an authorization number, and the Authorize Net server stores the transaction. Merchants can also check the status of transactions, automatically bill customers for recurring charges or run a variety of reports right from the Authorize.Net Virtual Terminal.

Feature:

i)Authorize.net accept MasterCard, Visa, Discover, American Express and more.
ii)It has multiple currencies support like PayPal
iii)Very good customer support
iv)Accept international transactions from customers worldwide and also has sandbox facility.
You can see all features list here

Pricing:

You can check authorize.net price value here.

Companies that use authorize.net:

Merchant Account Providers, Chase Paymentech, e-onlinedata.com, Merchant Focus, START Merchant Services etc use Authorize.net.
You can check complete list here.

Google Checkout/Google wallet

Google Checkout is Google’s answer to PayPal. Google Checkout allows users to pay for goods and services through an account connected to their Google profile. The major benefit that Google Checkout had over the competition is that millions of Internet users use Google for other services, making a purchase through Checkout a simpler process. Google Checkout was discontinued on November 20, 2013, as Google Wallet superseded Google Checkout as a mobile payment system helping users to store debit cards, credit cards, loyalty cards, and gift cards accessing sales promotions on their mobile phone. If you get Google Wallet, I think the number of your customers will also increase as if the smartphone has become an obvious part of our daily life. Google also announced that it will be releasing a physical card that is connected to users’ accounts so they can utilize this at retail businesses. Google Wallet tops our list of the top 10 online payment solutions.

Feature:

i)Google wallet accept MasterCard, Visa, Discover, American Express
ii) Sign up cost fee
iii) Google Wallet Fraud Protection covers 100% of verified unauthorized Google Wallet transactions in the US. Plus, they have advanced monitoring system checks for fraud 24/7, which means you can shop with confidence.

Pricing:

You can check Google wallet price value here.

Stripe

If you’re a developer, you should already be using Stripe. Developers use Stripe to integrate a payment system into their projects as Stripe has a robust API. Without any business account, it allows you to build your own payment forms that can avoid PCI requirements. Strip API helps to bypass the traditional sign-up process. Stripe acts as a merchant account for its providers, handling all PCI compliance and merchant approvals.

Feature:

i)Accept payments from anyone, anywhere. Stripe currently supports businesses in the US, Canada, UK, Australia, and many European countries. You can instantly accept payments from around the world.
ii) Proven fraud protection: Stripe actively works to protect your business from fraudulent charges and monitors suspicious transactions.
iii) Flexible billing periods Yearly, monthly, weekly, or custom intervals and demo testing account or sandbox account before real transaction.
You can see all features list here

Pricing:

You can check Stripe price value here.

Companies that use Strip:

Xero, shopify, TaskRabbit, TED, MoMA, salesforce, DigitalOcean, reddit etc use Stipe.
You can check complete list here.

Worldpay

Worldpay is one of the world’s leading payment companies with unique online payment gateway systems with several products and services including its own power commerce system across the globe. Worldpay has the robust system with 26 million transactions processed every day with a support of more than 120 currencies. In an average 450 customers are signing up every day with WorldPay in the US. It has a very easy start-up and many additional support systems with security and smooth payment transfer diversity.

Feature:

i) Worldpay accepts MasterCard, Visa, Discover, American Express.
ii) Fraud & Risk Management: Worldpay helps its customers improve profitability by providing tailored, sector-specific advice and leading, customizable fraud management tools.
You can see all features list here

Pricing:

You can check Worldpay price value here.

Companies that use Worldpay :

Alana Interiors, Crab Hotel, Sir Plus, The English Cream Tea Company, Sublime Science, Bunk Campers, Labels4Kids etc use Worldpay
You can check complete list here.

WePay

WePay is a payment processor allowing Internet merchants to accept credit cards and bank account payments online with an incredibly simple process. In fact, you can begin accepting payments on and within a minute. The only negative point is that it’s only available for U.S. citizens though have numbered to 34 million+ payment accounts. WePay is very much dedicated to the individual users. It has recently developed e-store pages to their service to help their customers receive payments (e.g. event tickets, products, donations and so forth) through their service.

Feature:

i) Easier Setup
ii) Very good customer support
iii) Fraud & Risk Management
You can see all features list here

Pricing:

You can check WePay price value here.

Companies that use WePay :

gofundme, care.com, constantContact, Meetup, Giveforward, FUNDLY, crowdrise etc WePay
You can check complete list here.

Skrill (Moneybookers)

Skrill helps online business websites accept credit and debit cards. It’s a very basic payment gateway – a simple solution for small businesses. Skrill is used by over 156,000 merchants with more than 100 payment options and 41 currencies covering 200 countries and territories with over 100 local payment options globally. Skrill payments processes systems help your customers feel secure since they do not provide any personal payment information to the seller. It only allows recipients to register an account, not the sender. Skrill is most trustworthy payment gateway to make your online payments simple, fast and safe.

Feature:

i) Payment options: Skrill has multiple payment options like MasterCard, Visa, Maestro, American Express, Diners, JCB
ii) Chargeback protection: Skrill can provide chargeback protection that covers costs relating to fraudulent chargebacks, as well as all related administration.
You can see all features list here

Pricing:

You can check Skrill (Moneybookers) price value here.

Companies that use Skrill (Moneybookers) :

skype, oDesk, ebay, bet365, instaforex etc use Skrill (Moneybookers).

Amazon Payments

Amazon payment is a service launched in 2007 by Amazon. Amazon, being one of the biggest online retailers, has a very powerful and flexible payment engine allows users already familiar with and trusts the Amazon brand to purchase goods from your website using their Amazon customer ID. This is the most secure result of an association with the prestigious Amazon brand. Amazon provides 2 products for business: Checkout by Amazon (CBA) and Amazon Simple Pay (ASP). You can choose which one best suits your business’ size. Amazon Payments has more than 215 million customers worldwide.

Feature:

i) Payment options: Amazon Payment has multiple payment options like Visa, MasterCard, Discover, American Express, Diners Club, and JCB.
ii) Easy Setup
iii) No set-up fees, No fraud protection fees, No cancellation fees

Pricing:

You can check Amazon Payments price value here.

Companies that use Amazon Payments :

BROOKLYN INDUSTRIES, LD, autoplicity, shoplet.com, TiES.com, Vannis, TROLL and TOAD.com etc use Amazon Payments.
You can check complete list here.

SagePay

SagePay delivers secure and efficient payment services processing millions of payments each month for over 40,000 businesses. Payments are processed securely online and over the phone with integration to your website or e-commerce platform. There are no contracts or hidden fees, however, the merchant account application process can take quite a long time, about 5-10 working days. Sage Pay is Europe’s leading independent payment service provider (PSP) and is one of the most trusted payment brands. Every year Sage Pay processes billions of pounds worth of secure payments for its 50,000 customers and makes the process of accepting payments online, over the phone, or in person simpler, faster, safer and more profitable for businesses.

Feature:

i)MasterCard, Visa, Maestro, Discover, American Express, Diners , JCB, PayPal and more.
ii) Minimise your losses to online fraud
iii) Flexible integration options
You can see all features list here

Pricing:

You can check SagePay price value here.

Companies that use Amazon Payments :

Drupal, Magento, Opencart, LORNA SYSON, Pinstripe & Pearls etc use SagePay.
You can check complete list here.

2checkout

2checkout is a payment processor which is a combination of a merchant account and payment gateway that doesn’t require a Paypal or a Merchant account. Simply register and verify your account and you can start accepting credit card payments, and even PayPal payments. The company also offers international payments, shopping cart stores, and a recurring billing feature.

Feature:

i) Payment options: 2checkout has multiple payment options like Visa, MasterCard, Discover, American Express, Diners Club, and JCB.
ii)Support 15 languages, 20+ currencies, Customizable, Fraud prevention, Responsive design
iii)Live chat support
You can see all features list here

Pricing:

You can check SagePay price value here.

Companies that use Amazon Payments :

3DCart, Bigcommerce, HostBill, Foxy Cart, Drupal Commerce, Magento, Opencart, osCommerce, shopify, WooCommerce etc use 2checkout.
You can check complete list here.

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Top 10 online payment gateways
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  • http://www.paymentz.com Nicole

    One Good Addition is Paymentz Online Payment Gateway

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      Thanks

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  • Jeana Saboo

    Thank you for the post!
    I think in this context Braintree could also be mentioned as they offer some nice features. Also Paysera, which allow to accept payments internationally and is quite flexible and easy to set-up and use. Both options accept online and mobile payments.

  • http://azolux.com/?page_id=104&lang=ro Daryl

    Excellent post. I am facing a few of these issues as well..