How do payment gateways work technically?

What are the best online payment gateways?

APayment gateways is an online service that authorizes and processes payments for online businesses. It is the glue between the customer and the dealer.

If you dig a little deeper, you will find that there are two parts to completing an online transaction.

You need a payment gateway and a merchant account.

“To make credit or debit card payments through your website, you effectively need bothPayment gateways (to accept the payment details and connect to the payment networks) and aMerchant account (to get the money). ”[Source]

  • Examples of payment gateways: PayPal, Stripe, WorldPay.
  • Examples of merchant account providers: First Data Merchant Services, WorldPay, UTP.

Some service providers like PayPal and Stripe combine the two services. These are cheaper and quicker to set up for small businesses.

On the other hand, it may be cheaper for larger companies to have separate service providers.

Who are the leading payment gateway service providers?

In this test, we will focus on the leading service providers that offer oneAll-in-one payment gateway Solution:PayPal, Stripe,, 2Checkout and Amazon payments.

1. PayPal payment standard

PayPal is a popular household name.

For many, it is synonymous with the popular online auction site eBay. But in 2015 it became an independent company valued at $ 46.6 billion.

PayPal is a great payment gateway because it's instantly recognizable and your customers feel instantly secure. PayPal is likely to offer customers more protection than sellers.

From a retailer's perspective, you know where you stand. There are no startup fees or ongoing monthly fees. The current rates are 2.9% + $ 0.30 per transaction.

> You only pay when you get paid.

It's easy to set that up PayPal payment standard. Just add the PayPal button to your website. PayPal takes care of the rest including authorization and security.

The only possible downside is that it will take customers from your website to the PayPal website to complete the purchase process. If that's a problem then you should think about itPayPal Payments Pro.


  • Just get started
  • No setup or termination fees
  • Detailed transaction dashboard
  • Accept credit cards and PayPal on your website
  • Accept 26 currencies from over 200 countries and markets

More details

2. PayPal Payments Pro

Let's stay with PayPal and move up a gear.

PayPal Payments Pro has the added benefit of keeping the buyer on your website. You can customize the look and feel of the entire checkout to match your branding and design.

The downside is that you have to pay a monthly fee of $ 30 on top of the transaction fees. (Current prices are the same as above: 2.9% + $ 0.30 per transaction.)

With PayPal Payments Pro you also get:

  • Virtual terminal - your customers can also pay by phone
  • PayPal Credit (US only) - Your customers can "buy now" and "pay later" with special funding, but you get paid instantly

Note:PayPal Pro is only available to merchants in the US, UK, and Canada.


  • Accept credit cards, PayPal credit, and PayPal
  • Keep your buyer through checkout on your website
  • Fully customizable with easy cart integration and APIs
  • Telephone credit card payments and online invoicing
  • Accept 26 currencies from over 200 countries and markets

More details


WhileStripes hasn't been around as long as PayPal, it is certainly one of the most popular online payment gateways out there.

And one of the main reasons for this is that the buyer stays on your website for free.

Yes that's right. No monthly fee like PayPal Pro. Only your transaction fees, which are currently the same as PayPal (2.9% + $ 0.30).

However, it's not quite as easy to set up as it is with PayPal. Implementing Stripe requires more web development skills. So if you are not tech savvy, you may need to hire a developer.

The main idea behind Stripe is that they get it all done. You collect payments from your customers and send them straight to your bank. The first transfers can take up to seven days. However, after that you can set them up for two days, or weekly or monthly if you prefer.

Note: Stripe is only available to dealers in the US, Canada, Australia, the UK and many European countries.


  • Transactions processed on site
  • No setup costs or monthly fees
  • Customers can pay with any major credit card
  • The money received will be transferred to your bank on a rolling basis for two days
  • Accept payments from all over the world

More details

In contrast to PayPal and charges an initial setup fee ($ 49) and an ongoing monthly fee ($ 25) in addition to the transaction fees (2.9% + $ 0.30).

So what makes it an attractive alternative?

Well, you get the checkout process on-site so your customers aren't redirected to another location to complete their purchase. And accepts all major credit cards as well as other digital payment solutions such as Apple Pay and PayPal.

Also included in your fees are an Advanced Fraud Detection Suite, an award-winning online support team, and synchronization for QuickBooks to automatically update your accounts.

Note: is only available to resellers in the US, Canada, UK, Europe, or Australia.


  • Transactions processed on site
  • Excellent security and support
  • Accept payments from all over the world
  • Customers can pay with any major credit card, PayPal or Apple Pay
  • The money received will be transferred to your bank on a rolling basis for two days

More details

Amazon payments

Amazon, like PayPal, is one of the most trusted names on the web. And withAmazon payments, You get all the benefits of Amazon while your customers stay on your website.

There are no monthly fees, just the same transaction prices as with the other service providers (2.9% + $ 0.30).

Amazon Payments is focused on providing customers with the same checkout experience that is available on At the checkout customers simply 'Register and pay with Amazon', choose your delivery address and payment method.

From the retailer's point of view, you have the additional credibility of the Amazon logo as well as Amazon's tried and tested fraud protection in the background.

Amazon Payments provides a library of standardized payment buttons (and associated snippets of HTML code) that you can add to your website.

Note: Amazon Payments is only available to merchants in the US, UK, Germany, the Netherlands, Luxembourg, Sweden, Portugal, Hungary, or Denmark.


  • No setup, cancellation or monthly fees
  • Consistent brand experience with inline checkout
  • Protect your company with the tried and tested fraud protection from Amazon
  • Accept payments using any method supported by Amazon
  • Integration of the dealer website with standard Amazon buttons

More details

2 Check

The final payment gateway provider in this review is this2 Check.

There are some similarities to standard PayPal payments:

>> Global reach - Currently, 2Checkout is available to merchants in over 211 countries. It offers 87 currencies and supports 15 languages ​​for a great customer experience.

>> fees- Guess what the transaction fees are? Yes, you have it: 2.9% + $ 0.30 ...

2Checkout now offers a selection of registers:

  • default - This is the external processing option
  • In line - This is the on-site option

Aside from these features, 2Checkout is a very robust platform that uses over 300 fraud protection rules.


  • No setup, cancellation or monthly fees
  • Advanced fraud protection
  • Accepts 87 currencies and 15 languages ​​in over 211 countries
  • Accept major payment methods such as credit cards, debit cards, and PayPal
  • Easy website integration and great support

More details


Take payments online and in person with Square

Get the Square extension for WooCommerce for free and start accepting payments instantly. With Square + WooCommerce you can easily sync sales, inventory and customer data, manage all your channels from one central platform and use one payment solution for everyone.

It's easy to get started withplace within minutes. There are no long-term commitments, hidden fees, or surprises. With Square, you only pay when you make a sale.


Square helps all types of businesses start, run, and grow with intuitive, powerful tools.

  • Accept payments anywhere, anytime: Take payments online, in person, or on the go with Square and never miss a sale. Square accepts all major debit and credit cards. (Available in the US, Canada, Australia, the UK, and Japan.)
  • Clear pricing: Pay 2.75% (2.65% for CA, 1.9% for AU, 1.75% for UK and 3.25% for JP) per in-person transaction and 2.9% + $ .30 (2, 9% + $ .30 for CA, 2.2% for AU, 2.5% for UK and 3.6% for JP) for online transactions.Custom pricing is available for some businesses with annual sales over $ 250K and average ticket sizes over $ 15. Get in touch.
  • Fast deposits: See how your money was deposited in one to two business days.
  • PCI compliance: Square offers end-to-end encryption and PCI-DSS compliant payment processing with no PCI or security fees.

PayFast Payment Gateway

PayFast is a payment processing service for South African and South African websites. We enable easy, secure, and instant money transfer between online buyers and sellers.


No setup fees or monthly subscriptions

There is only one fee per transaction. Register in minutes and start accepting payments through PayFast if you are an individual, registered business, or charity.

Accept credit card payments: Visa & MasterCard

The most widely used online payment solution. We process local and international credit cards with a variety of fraud protection mechanisms to protect you from chargebacks.


Easily accept credit cards with initial dates

Let your customers check out easily and seamlessly on your website with First Data. Capture more sales and reduce the number of shopping carts by using First DataTransArmor credit card tokenizationThis allows customers to keep their cards safe and secure for future purchase transactions. Take advantage of tons of great features like advanced checkout forms, subscription support, registration fees and much more!

You can now choose to show your customers detailed rejection messages. No more error messages occurred.

This First Data plug-in supports three gateway modes available from First Data:

  • Payeezy Gateway: Payeezy Gateway (formerly GGe4, will soon be known as Clover Gateway), allows you to accept credit card payments via First Data directly on your website and supports TransArmor tokenization.
  • Payeezy (API): Payeezy Gateway merchants can upgrade to Payeezy (ask your First Data representative!) To take advantage of the Payeezy.js library while keeping the features they love. Payeezy supports all functions of Payeezy Gateway, but also symbolizes the card information on the client side before it is sent away from your site in order to increase security and reduce the PCI compliance burden.
  • Global gateway (Formerly Linkpoint): This older First Data solution is also supported for processing credit card transactions for merchants who are not yet able to update their First Data accounts.

Exceptional properties

  • Accept all major credit cards - Visa®, MasterCard®, American Express®, Discover®, Diner's Club, JCB
  • Uses an advanced payment form with Retina symbols that automatically detects and formats the card type
  • Adds aCell phone-friendly checkout with numeric entries for card type and security codeNEW
  • Customers can securely save their payment method to their account for easy checkout *
  • processautomatic refund from WooCommerce *
  • Record fees for pre-authorized transactions directly in WooCommerceNEW*
  • Enforce fees on virtual item-only orders instead of authorizing themNEW
  • Cancel pre-authorized transactions to cancel orders within WooCommerce *.
  • Full support for WooCommerce subscriptions *
  • Full support for WooCommerce pre-orders *
  • showdetailed rejection messages at the checkout to help customers complete transactionsNEW*
  • SupportedTeleCheck for eCheck processingNEW*
  • Legacy Global Gateway support
  • Supports Payeezy API / Payeezy.js for improved security and PCI compliance
  • Support for soft descriptors (multiple websites on one merchant account) *

* Not supported by Global Gateway

Sage Pay


Simple pricing plans. For every business.

You deserve the best payment provider that works for your business. That's why our pricing plans are easier than ever.

Flex 1Up to 20 transactions per month£ 9.95 per month + VATMandatory dealer services required. Set up by Sage Pay
Flex 2Up to 100 transactions per month£ 14.95 per month + VATMandatory dealer services required. Set up by Sage Pay

Why choose Sage Pay?

Security at its core.

Our payment gateway is the safest &reliable in the industry with 99.91 TP1T availability and industry leading scam tools at no additional cost. Because peace of mind shouldn't be a premium.

Focus on customers.

Sage Pay is known and trusted by businesses and consumers alike. We pride ourselves on providing the best customer service and that's why we're the only payment provider with one5*Trustpilot score.

Growth in the head.

Get money in your commercial bank account within2 workdays Instead of the usual 7+ days with some of our competitors, this is how you get cash flow and more opportunities to grow.

Your business, your way.

Sage Pay is an independent gateway. This means you can use your existing merchant account or an alternative that best suits your needs. It's your decision.

* Mandatory merchant services are set up by Sage Pay for customers.


Take payments through Worldpay

The Worldpay Gateway plugin allows you to accept credit card payments through a secure, hosted payment page. Since Worldpay handles the payment process for you, no SSL certificate is required on your website.

With Worldpay's affordable online payment gateway, your business can accept all major payment methods, as well as credit and debit cards, including Diners, MasterCard, Visa, Amex, Maestro and JCB.

When an order is placed by a customer in your store, the customer is taken to Worldpay for secure payment. After the customer completes their payment, the order will be confirmed and the user will be redirected to the thank you page on your website. All of this is done in one tab for a seamless user journey.

Intuit Payments Gateway

Accept credit cards easily and securely via Intuit

The Intuit Payment Gateway extension provides advanced payment integration for WooCommerce while providing the security and reliability that come with using Intuit for payment processing.This extension supports merchants who use an Intuit Payments account for ecommerce processing.

Intuit Payments provides increased security for payment processing as the customer's credit card information is tokened prior to being sent through your server to meet the PCI SAQ A-EP lower level compliance level. The customer doesn't see a difference in the ordering process, but the payment details are more secure behind the scenes.

Klarna checkout


  • Klarna Checkout works for merchants who sell in Sweden, Finland, Norway, Germany, Austria, the Netherlands, Great Britain and the USA.
  • An SSL certificate is required.
  • This plugin can be integrated into the newest platform from Klarnas. You need an agreement with Klarna that is specific to the new platform in order to use this plugin.

Klarna is one of the largest banks and payment providers in Europe and currently connects 60 million consumers with 100,000 merchants in 14 countries.

Klarna delivers

- Klarna is globally compliant.
- Klarna assumes all credit and fraud risks.
- Klarna is widely supported across Europe.

You benefit

- You will see an increase in conversions and order value. - You reach a new audience.
- You always get paid.

With Klarna Checkout you can offer your customers a really smooth shopping experience.

Our checkout is a seamless and mobile-optimized solution that encompasses all of our payment methods through a single integration. Klarna improves your checkout experience with direct payments, post-delivery options, and installment payment plans that consumers can use to pay at any time and as they please. It identifies the customer and enables repeat purchases with one click via the Klarna dealer network, which leads to an increased average order value and higher conversion rates. You have an agreement, a contact person, a billing file and a payout.

  • Mobile-optimized online checkout.
  • Manage all transactions including card and APMs.
  • Repeat purchases with one click.

Elavon Converge Payment Gateway


  • Elavon Converge was formerly known as Elavon VM (Virtual Merchant).
  • Elavon Converge is only available in the US and Canada
  • An SSL certificate is required to ensure that your credit card information is secure

Accept credit card payments with Elavon, the fourth largest merchant acquirer in North America. Elavon Converge for WooCommerce is a gateway plugin that allows you to make credit card and eCheck payments directly in your WooCommerce shop. Customers never leave your website during the checkout process, which results in a seamless checkout process. Includesfull support for WooCommerce subscriptions andWooCommerce pre-orders!

Rewritten for version 2.0 to add lots of great payment processing tools!

ASSL certificate is required for PCI compliance due to direct checkout to ensure your customers' payment information is secure. With direct checkout, you can keep the customer on your website throughout the process, increasing control over the checkout so you can test and implement the most effective experience for your store.

With this Elavon Converge payment gateway connector you can use various functions of Elavon, e.g. B. Refunds, Card Tokenization and eCheck Processing.

Moneris Gateway


  • Moneris is only available to dealers in Canada.
  • An SSL certificate is required to ensure that your credit card information is secure.

Accept online payments with Moneris

Why accept payments with just anyone when you can use one of Canada's leading payment processors to get them? Moneris processes more than3 billion Credit and debit card transactions per year for over 350,000 merchant locations across North America. This extension gives you quality service and workmanship for Canada WooCommerce store.

The Moneris extension allows you to keep the customer on your website for the checkout process, thereby increasing control over the checkout experience so that you can test and implement the most effective experience for your business. ASSL certificate is required for PCI compliance due to direct checkout to ensure your customers' credit card information is secure.

Global Payments HPP


  • A Global Payments merchant account
  • PHP 5.6+
  • SSL certificate recommended
  • Global Payments HPP supports Strong Customer Authentication (SCA), which is required for transactions within the European Economic Area (EEA).

Global Payments E-Commerce processes over 11 billion transactions each year and 2.5 million businesses use their secure, seamless and reliable solutions for online, phone and personal card processing.

As one of the world's largest payment processing companies, Global Payments processes all major cards and offers an unmatched range of solutions and services to grow your business and increase your sales.

This HPP extension for global payments (formerly known as "Realex HPP") enables your WooCommerce shop to accept payments via the Global Payments Hosted Payment Page (HPP). The HPP is a PCI DSS v3.2 compatible redirection solution. You can use it to process payments easily and at the same time reduce the significant PCI compliance effort for collecting card data. Merchants using HPP can confirm their PCI compliance by completing the short PCI DSS Self-Assessment Questionnaire (SAQ) A.

WooCommerce Mollie


  • Mollie account is required
  • The business currency must be in euros
  • The iDEAL method is available for banks in the Netherlands
  • Mister Cash can be used with Belgian bank accounts

Accept multiple payment methods with WooCommerce Mollie

Process secure iDEAL, credit card, Mister Cash, bank transfer, PayPal, Belfius Direct Net, Paysafecard and SOFORT payments with WooCommerce Mollie. The new Mollie has been rewritten to take advantage of the benefits All payment processing services offered from Mollie and still contains the popular iDEAL payment method for banks in the Netherlands.

Because Mollie handles the payment for you,no SSL certificate is required on your site and you don't have to worry about PCI compliance. Customers select their preferred payment method at checkout and are directed to Mollie or their bank's website to complete the payment process. You benefit from simple,to back up Payment processing andImprove customer satisfaction by offering multiple payment methods.

Why should you choose WooCommerce Mollie?

  • Improve sales by offering their customers their preferred payment method
  • iDEAL works with ten major banks in NL
  • processCredit cards about Mollie
  • To useMr. Cash, the popular Belgian payment method
  • Let customers check out with youPayPal
  • Receive bank transfers within the SEPA zone via MollieNEW
  • Accept Paysafecard prepaid cards for online payments (popular with parents buying for children)
  • Accept payments via SOFORT for 11 countries
  • Accept payments through Belfius Direct NetNEW
  • Take advantage of Mollie's great fraud detection services
  • No security burden on your website for payment processing

Immediately payment gateway


  • Only supports the following currencies: EUR, GBP, CHF, PLN

Online transfer via SOFORT transfer is one of the best known online banking payment providers in Europe. Customers can transfer cash via their online banking account via or, a payment provider known in Europe.

SOFORT is available for these countries:

  • Austria
  • Belgium
  • Czech Republic
  • France
  • Germany
  • Hungary
  • Italy
  • Netherlands
  • Poland
  • Slovakia
  • Spain
  • Switzerland
  • United Kingdom