No matter how great your products or website are, you won’t make sales if customers can’t pay you easily and securely. That’s why choosing the right payment gateway is crucial for any e-commerce business.
In this blog, we’ll explore the best e-commerce payment gateways for different countries, based on fees, availability, ease of integration, and customer trust.
What Is a Payment Gateway?
A payment gateway is a service that lets your online store accept credit cards, debit cards, and digital wallets like Apple Pay or Google Pay.
It acts as the middleman between your customer and your bank, making transactions fast, encrypted, and secure.
United States:
- Shopify Payments: Built-in for Shopify users, no transaction fees if used directly.
- Stripe: Developer-friendly, supports subscriptions, great reporting tools.
- PayPal: Popular and trusted by millions of U.S. buyers.
United Kingdom:
- Worldpay: Excellent for diverse payment methods and fraud protection.
- Opayo: Strong customer support, customizable checkout.
- Stripe: Popular among UK startups and tech businesses.
Canada:
- Shopify Payments: Fast deposits, no external gateway needed.
- Stripe Canada: Supports recurring payments, global sales.
- PayPal Canada: Adds buyer confidence, especially for digital goods.
Australia:
- eWAY: Local gateway with great support and fraud tools.
- PayPal: Popular for cross-border transactions.
- Stripe: Flexible APIs and global reach.
India:
- Razorpay: Full-stack solution with subscriptions and payouts.
- Paytm: Popular for mobile payments and local reach.
- Cashfree: Great for bulk payouts and API flexibility.
Pakistan:
- JazzCash & Easypaisa: Best for local transactions and mobile payments.
- Payoneer: Ideal for freelancers and international sellers.
European Union:
- Mollie (Netherlands-based): Easy to set up, supports SEPA, iDEAL, Bancontact.
- Stripe: Works across the EU with multi-currency support.
- PayPal Europe: A must-have for European e-commerce stores.
Philippines:
- PayMongo: Made for Filipino businesses, supports GCash, Maya, GrabPay.
- DragonPay: Widely accepted for local bank and over-the-counter payments.
- PayPal Philippines: Still relevant for digital goods and freelancers.
🌐 Universal Payment Gateways (Available in Multiple Countries)
- Stripe: Available in 40+ countries, easy to set up, supports subscriptions and multi-currency
- PayPal: Trusted worldwide, supports 200+ markets
- Shopify Payments: No third-party integration required if using Shopify (limited countries)
- 2Checkout (now Verifone): Global option for selling digital and physical goods
- Authorize.Net: Trusted in the U.S. and Canada, but used by international merchants via resellers