Top 20 Payment Gateway Providers of 2017

We could discuss it for days, and still not appreciate enough the vital role of payment gateways in the eCommerce transactions world. Before online payments were enabled, there was no reliable way to transfer key payment information between payment portals, and purchases and orders took much more time to complete than they do today.

Payment gateway solutions accomplish several crucial tasks in online purchasing & transaction management. Rather than transmitting payments (this is the role of dedicated payment processors), payment gateway  solutions authorize the funds being transferred to the seller, and do so in a secure and convenient manner for the buyer. They are delivered to users both independently and as integrated modules in larger financial suites, where they also assume responsibility of processing money, verifying client accounts, performing AVS checks, analyze velocity patterns, and calculating tax amounts. Depending on where you’re located, payment gateways also have to adhere to PCI compliance standards, and introduce as many security methods as needed to prevent fraud. Some payment gateway technologies are also open to modification, and invite developers to build custom payment pages and embed those on their website.

In a 2016 Forbes article on the future of B2B eCommerce, introducing payment gateway-enabled storefronts is discussed as a leading strategy for decreasing  TCO (Total Cost of Ownership). According to the author, companies are shifting towards a unified, global view of all channel selling activities, and that view can’t possibly be complete without a reliable gateway solution. This doesn’t come as a surprise, knowing that payment gateways simplify and accelerate transactions, and help companies earn the trust of their consumers by streamlining their checkout journey.

Such opinion was confirmed in a late 2016 BusinessInsider report, which predicts that the US online processing market will be worth incredible $10.7 billion by the end of the year. Another useful takeaway from their report is that modern gateways are the predecessors of a total online-to-offline (O2O), where the only manner of payment is the digital one, as it is with Airbnb and Uber.

With so many powerful and popular payment gateways around, how does one know he’s chosen the right one? The decision of whom to entrust your sensitive payment information is always a tough one, which is why we invite you to check our comparison of the top 20 payment gateway providers for 2017:

  1. PayPal Payments Pro
  2. Amazon Payments
  3. Adyen
  4. Skrill
  5. Stripe Subscriptions
  6. PayU
  7. 2CheckOut
  8. Authorize.Net
  9. Payza
  10. WePay
  11. BlueSnap
  12. BitPay
  13. SagePay
  14. Braintree
  15. Cardinal Commerce
  16. EPX
  17. PaySimple
  18. Zoho Checkout
  19. Worldpay
  20. Orbital Payment Gateway
  21. Dwolla

1. PayPal Payments Pro

Payments Pro is PayPal’s ultimately successful attempt to introduce a payment processing service for eCommerce users that don’t necessarily posses a PayPal account. The current leader of our Top 20 Payment Gateway Providers list is fully devoted to streamlining business transactions, and backed by today’s strongest and best-reputed payment gateway. Thus, Payments Pro is certainly a reasonable choice when deciding whom to entrust your money transfers.

The end-to-end platform supports credit cards (Visa, Master, DISCOVER, American Express_, as well as PayPal and PayPal credit payments, and relies on an open API infrastructure to relate easily to any shopping cart/marketplace solution. It also allows phone-based credit card payments, and gives users a handy invoicing kit to charge consumers right away. At the same time, it is flexible enough to be used by small businesses and market leaders, in response of which it can praise with over 184 million customer accounts (so far!).

As expected, Payments Pro is also a role-model of secure checkout, be it that you’re transmitting money from your local or mobile device. It offers a variety of options for users to simplify PCI compliance, and adheres to all leading encryption standards to keep payment credentials guarded. It is also the most international payment gateway at the moment, as it accepts 26 leading currencies, and it is available to use on over 200 markets.

What is unique about PayPal Payments Pro?

  1. A PayPal solution that doesn’t require payers to have a PayPal account. PayPal Payments Pro was developed to support eCommerce users, and allow them to accept credit card and debit card payments and rewards from users without a PayPal account.
  2. Custom checkout. As an enterprise-grade platform, PayPal Payments Pro lets the user customize checkout as he needs it, and create a positive checkout experience for his customers. This means that you can can integrate all the layout and colors that match your company’s theme and brand.
  3. Fast mobile payments. With PayPal Payments Pro, receiving money is not limited to office desks and computers. You can easily turn your mobile devices into moneymaking machines, without undergoing complex logging procedures, and sending recurrent invoices.
  4. Access to your money within minutes. Once a payment is sent and processes, PayPal Payments Pro takes literally minutes to make it available to you. As usual, you are offered the option to keep money on your PayPal account, or transfer them to your credit card.
  5. Truly integrated payment gateway. PayPal Payments Pro works seamlessly with all leading eCommerce solutions, CRM and sales management tools, and best accounting systems.At the same time, it connects to all major shopping carts in the market right off the bat.

2. Amazon Payments

Amazon also offers a secure and streamlined payment service for its clients, with a reputation similar to the one of PayPal Payments Pro. The service is available to both merchants and shoppers to facilitate their online purchases, as it works with information you’ve already inserted in your Amazon account to complete check-ins and check outs.

With a single log in, the customer is immediately identified and enabled to complete a transaction, a possibility that is also available on mobile devices.  Amazon’s A-to-z Guarantee makes these transactions 100% secure, and charges no additional fees to do so. As it is with most payment gateways, clients are only charged a fixed percentage of the amount they are transferring.

Within their Amazon Payments package, merchants will also find a fully-featured eCommerce suite that will help them promote, sell, and manage products and orders. In such way, Amazon Payments optimizes their marketplace activities, and converts them into reliable vendors with a great reputation. To help reach out to international audiences, Amazon Payments operates in several different languages, and supports all leading currencies.

What is unique about Amazon Payments?

  1. Streamlined purchasing process. Amazon Payments enables users to easily access their information from the merchant’s site, thus streamlining the purchasing process as they no longer have to enter their information such as name, shipping address, and credit card details among others.
  2. Retail-first. Amazon Payments is designed specifically for online retailers and sellers who want to provide a smooth shopping experience for their buyers. The package is loaded with tools and features that are built to attract new customers and turn them into repeat shoppers, streamline their shopping process, and improve customer loyalty via customizable recurring payments among others.
  3. A-Z guarantee and Protection plan. Amazon is known for implementing very strict protocols when it comes to information security.  Its system boasts of a vaunted security setup that also includes fraud detection and merchant protection.
  4. Improved conversion rates. Amazon Payments helps merchants streamline their customers’ checkout experience, as a result of which there is less cart abandonment, and more visitors become loyal shoppers. Shopping is simplified both on local and mobile devices, and makes it easy to easy to browse through shopping sites, pick what you want, and pay without having to go through the hassles of carts and checkouts.
  5. Transaction-based fees. With Amazon Payments, there are no monthly subscriptions and licenses to worry about. All fees are transaction-based and have a processing and authorization component. The transaction fee is composed of a domestic processing fee of 2.9% and an authorization fee of $0.30, plus tax charged when the purchase is successfully authorized and processed.

3. Adyen

Adyen is a popular, open source payment solution whose infrastructure meets the highest standards of security, integrity and stability. At the same time, the platform’s redundant and stateless service-oriented architecture (SOA) ensures maximal uptime, and enables users to accept payments on several physical hosting locations. Another unique point are the special SLA reports that will help you keep your transactions under control

Adyen supports all popular payment methods, including Visa, MasterCard, DISCOVER, American Express, Interac, JCB, UnionPay, AliPay, and many more. To ensure a standardized and transparent experience for all users, Adyen enables online payment via local and mobile devices, and guarantees that your money will arrive in time regardless of the location of your buyers.

Another reason why we often refer to Adyen as a business-first payment technology is it being able to connect to various productivity tools and business applications. At the moment, Adyen’s functionality is synchronized with platforms such as Salesforce, Ebizmarts, Navitaire, Cegid, Hybris, and many more.

What is unique about Adyen?

  1. Support for all popular payment methods. Adyen supports a variety of payment methods to cater to the needs of users from different geographies. This means that you can use it in synergy with Visa, MasterCard, PayPal, DISCOVER, American Express, Interac, Cartes Bancaires, SEPA, Giropay, AliPay, iDEAL, CashBased, Yandex, Elo, Boleto, POLi, UnionPay, and many other providers.
  2. End-to-end eCommerce functionality. Adyen uses rich data to drive revenue, and offers a full range of mobile payment functionalities to make your service more attractive. These include, among other, all major card schemes and mobile wallets such as Apple Pay and Android Pay. You also get the Revenue Accelerate feature to increase card approval rates.
  3. POS payments. Adyen is also a reliable partner for managing point-of-sale payments in US and Europe. Using it, you can forget about checkout queues and lost sales, as all Adyen terminals are NFC enabled, and support contactless payments. Adyen will provide you with a centralized view of all relevant stores and markets, and integrate with all leading POS solutions to ensure a seamless customer journey.
  4. Risk management. Adyen also streamlines payment processes with a special Revenue Protect feature, which will grant interested shoppers undisturbed access, and yet keep fraudsters away. All devices are PCI-DCC enabled, and fully certified for EMV Chip & PIN, EMV Chip & Sign, magnetic swipe credit, and debit transactions.
  5. SLA reports. On Adyen’s standard real-time reporting dashboard, you will also find ready-to-use SLA reporting templates, and be enabled to handle large volume including comprehensive fraud screening.

4. Skrill

Skrill is a relatively new, yet very successful UK-based payment service designed both for businesses and individuals. Using it, you can make international transactions and pay for products and services wherever you are in the world, and from the comfort of your very own mobile device with a dedicated application. Within Europe, active users can also submit a request for a prepaid Master card, and use it to withdraw funds/purchase goods wherever they may be.

Creating an account on Skrill is free, and users are only charged a fixed percentage of what they’re sending/receiving. On the sender’s side, this fee is as low as 1% of the transaction’s value, which makes Skrill a preferable option to many more expensive platforms and gateways in the world. Skrill is also easy to link to any bank account worldwide, and takes excellent care of the security of your payment information.

What is unique about Skrill?

  1. Multiple transaction methods. Skrill enables several payment transaction options such as credit cards, cash and email- transactions. All you need to do is sign up at the web and avail the services.
  2. Targeting buyers worldwide. At the moment, Skrill supports over 30 different currencies, and makes it possible to target buyers for your products and services all around the globe.
  3. Ultimate safety and transparency. With Skrill, you get the ultimate security that safely transfers high value money to your account. Your passwords and critical information is kept confidential to make sure there are no chances of any mishaps. With anti-fraud screening features, each and every transaction to and from your account is monitored which ensures high security.
  4. Mobile accounts and ATM service. Your account works on mobiles devices too which lets you make transactions and payments from almost anywhere. A great possibility enabled by this service is to get a MasterCard, and withdraw cash from ATMs worldwide.
  5. POS addition. Skrill is quite a handy tool for POS businesses and online stores. You can pay for stuff online with your account. This is a valuable addition because many customers abandon the idea of purchase because of inability to pay instantly. With Skrill being as easy as it is, customers will enjoy their shopping experience.

5. Stripe Subscriptions

Stripe Subscriptions was designed to facilitate recurring billing, but also supports and processes online money transactions to act as a fully-equipped finance management tool for any business. It also belongs to a popular productivity software family, and comes with a set of open API to help you connect it to the rest of your business ecosystem.

Stripe is often regarded as the billing autopilot, which makes absolute sense counting its ability to streamline and automate payment operations. The customer will still be able to retain control over payments, observing at the same time how Stripe is doing the math – for instance, if a customer canceled his subscription mid-month, he is immediately billed the amount he owns for the past period. Metered billing is also provided for those businesses where payments and prices vary each month. With Stripe Subscriptions, you can set up plans in even 139 currencies, and accept credit cards, Bitcoin, Alipay, and ACH transfers.

What is unique about Stripe Subscriptions?

  1. Mettered recurring billing solution. Subscriptions makes it easy for businesses to adjust when a customer changes their minds in the middle of the month. Once a subscription is abruptly terminated, the system automatically calculates how much they owe. Users no longer have to pull the details and the figures and crunch the numbers manually to get an accurate amount.
  2. Handles unique subscription structures. Stripe Subscriptions meshes well even with the most complex and tricky subscription structures. Whether you prefer to bill your clients via metered billing, per-seat pricing or even , the software is designed to handle anything and everything.
  3. Organized and stored customer information. Stripe Subscriptions keeps all your customer information on file, making it easy for you to renew subscriptions or upgrade a member’s plan without worrying about compliance with PCI standards and policies.
  4. Stripe API. With Stripe’s open API, you can build powerful connections to leading marketplaces and third-party software, reach out to new audiences, and maximize renewal. Stripe also lets you build and incorporate trial periods in your plans, or give coupons to help you devise and refine your strategies.
  5. Migration assistance & dedicated support. To optimize the potential of this system and make it work for your specific needs, you can always rely on Stripe’s knowledgeable team. Experts will be there 24/7 to assist with data migration, or to provide dedicated support and answer your questions.

6. PayU

PayU is the product of an Indian payment processing corporation, and one of the simplest payment solutions that was designed to fill in the gaps left by complex service providers. The expert community is also fond of PayU because of its best conversion rates (acclaimed 12%), acceptance for over 45 payment methods (Net-Banking, 8+ bank EMI’s, 6 Wallets, Amex, Rupay, International Cards), and the PayuBiz’ API’s & SDKs which help connect this platform to any website, application, or related third-party system.

Recently, PayU became one of the very few providers of this kind that allow OneTap payments, and made a major technological breakthrough by allowing second-time users to skip entering their CVV again. The platform also reads and submits OTP on behalf of the user, and complies with the highest PCI and DSS standards to protect payment data. It also stores all credit vault data, so that neither you nor your customers would have to enter it repeatedly.

What is unique about PayU?

  1. A single integration solution for all local payments. PayU offers a single integration solution that lets users start receiving local payments in all locations where it operates. International merchants can use it as their payment service provider and start receiving payments in all 16 markets, reaching a potential of over 2.2 billion consumers.
  2. A large number of payment methods. PayU offers more than 250 local payment methods and multiple currency options, allowing its users to reach all customers, even those without credit cards, and being able to manage complexities of the local markets whilst benefiting from them.
  3. Direct connection to local acquirers. PayU also provides a direct connection to local acquirers, so its clients’ approval rates tend to be higher than the rest, while an in-house anti-fraud system has years of data providing an efficient fraud management program, taking care of matters relating to site security so that users will not have to worry about it. Security is further enhanced with tokenization.
  4. Extendable functionality. PayU can be customized and expanded even without coding knowledge, thanks to its APIs, payments encryption, and Software Development Kits.
  5. Quote-based payment. PayU’s pricing quotes depend on the size of the transaction, and users particular needs and demands. For more details, contact the company’s sales team.

7. 2CheckOut

2CheckOut is another fully-featured payment processing solution that appears on all similar top lists and classifications. Reasons for that don’t lack, as the prominent US-based gateway enables merchants to accept mobile and online payments from buyers worldwide, and without any concern on delays and security. If you wish to get paid instantly, look no further than 2CheckOut.

For the 16 years  it has been on the market, 2CheckOut served over 50k merchants, built over 300 unique fraud prevention rules, and reached Level 1 PCI compliance. It supports 8 different payment types, 87 different currencies, 15 languages, and operates on more than 200 global markets. Its sandbox testing feature doesn’t only ensure that you will be able to connect it to  all necessary marketplaces, but also that you will get to brand the payment gateway in line with your business specifications, and customize every single detail of your checkout to ensure a more personalized experience for customers.

What is unique about 2CheckOut?

  1. Support for all leading payment methods. 2Checkout is best known for supporting all leading payment methods and gateway services, among which MasterCard, Visa, Discover, American Express, Diner’s Club, JCB, debit card, and even PayPal.
  2. Global availability. 2Checkout allows you to operate in 211 markets provides localized options, allowing merchants to customize the platform as needed to sell in the customer’s language and currency, as well as to provide localized payment options that are offered in that market. If your business has recurring transactions, the platform offers recurring billing which ensure smoother transactions.
  3. 2 checkout options to choose from. 2CheckOut enhances customers’ buying experience with 2 different checkout methods: Standard, which displays the checkout page depending to the customer’s device, and Inline, which shows as if the Checkout page is part of the merchant’s site while providing all the benefits of a hosted checkout solution. In addition, you can create customized subscription plans for its customers based on your eCommerce needs.
  4. PCI Security standards. Any transaction entered in 2Checkout is guaranteed to be secure thanks to the platform’s Payment Card Industry (PCI) Data Security Standard. Its PCI security is Level 1 certified, the highest certification possible that guarantees total protection for both merchant and customer from possible fraud.
  5. Integration to 100+ shopping carts and accounting systems.  offers integration with more than 100 online shopping carts and invoicing systems, which includes Shopify, Magento, and WP e-Commerce, among others. A suite of open API is also available that will enable your site to be integrated with 2Checkout’s powerful payment platform.

8. Authorize.Net

Authorize.Net is most needed in retail and service environments looking for a flexible gateway solution that works alike their order management practices. It was developed to help merchants sell more in both local and online stores, which is how it covers for the work of a full-time staff, stores and organizes data, and helps you fight fraud without making constant checks and reviews.

Being one of the pioneer performers in this industry, Authorize.Net earned the trust of small and medium businesses by providing them an affordable and secure payment solution, delivered as a package that includes a free mobile POS app for Android/iOS, a free website payment seal, and a free kit of fraud prevention tools. What you will also appreciate about this platform is the 24/7 free support provided by knowledgeable professionals who will also assist you when building custom connections. On their website, you will also find an array of tutorials and training materials, so that you can optimize the potential of the platform.

What is unique about Authorize.Net?

  1. Robust online payment system. Authorize’s online payment system accepts credit cards and electronic checks from websites and deposit funds automatically into your merchant bank account, saving time and money for small- to medium-sized businesses.
  2. VPOS. In a retail setting, you can use Authorize.Net as a personalized virtual point of sale system (VPOS). In case you already have a good POS in place, this platform will be easy to integrate with it.
  3. A virtual terminal for manual transactions. Authorize.Net also has a virtual terminal that allows users who take mail and phone orders from their customers to submit transactions manually. Mobile transactions are also accepted via its free mobile app or a third-party solution that would accept credit card payments securely over a mobile device.
  4. Check payments. For check payments, Authorize.Net offers an exclusive, fully integrated electronic check payment method accepts and processes payments from bank accounts directly through the user’s website or the Authorize.Net Virtual Terminal.
  5. Customer integration manager (CIM). The platform’s Customer Information Manager (CIM) enables users to tokenize and store their customers’ sensitive payment information on Authorize.Net’s secure servers, simplifying the PCI DSS compliance as well as the payments process for returning customers and recurring transactions.

9. Payza

Payza is one of world’s fastest and simplest online money transfer solutions designed for private and professional usage. You can use it to send and receive payments worldwide, enable secure money transfers from mobile devices, and get some robust protection for the payment data of your customers. You can  receive transfers from credit cards, bank accounts, and BitCoin accounts, process payments directly on your eCommerce websites, and shop online with the finances stored in your Payza wallet. To facilitate this process even more, Payza offers a dedicated card you can use to withdraw money or pay on spot.

At the moment, Payza supports 25 currencies, and it enables hassle free and fast exchanges. You can also use your Payza credit to pay bills online, send remittances or make orders, and to calculate conversion rates before you’ve opted for exchange in your local one. As a user, you will also be entitled to a dedicated Dispute Resolution Center, and have all issues raised with another Payza user solved by experts and professionals.

What is unique about Payza?

  1. Suitable for freelancers. Payza is a very convenient and safe solution for businesses and professionals to send and accept money from any location in the world. Accounts are available for those who want to use Payza for personal use as well as business accounts for bigger and complex requirements.
  2. All-in-one payment processing platform. Payza can help you complete all sorts of  payment-related transactions, as it enables you to accept payments via ACH transfers, bank wires, cashier’s checks, bitcoin money orders, or credit and debit cards.
  3. International service. Payza management also guarantees to keep the platform as simple, international, versatile, and secure as possible. The service now caters to over 9 million users worldwide and that figure keeps on growing.
  4. 21+ currencies. Available in 21 different currencies, Payza provides users flexibility when it comes to accepting payments. Users also enjoy tons of options when withdrawing their funds – bank wire, bank transfer, Payza prepaid card or check (U.S. members only).
  5. Open connectivity options. With its open API infrastructure, Payza allows experienced developers to build all custom connections to third-party software they need. For the purpose, they will get detailed instructions and support from the Payza Developers’ Community.

10. WePay

WePay is an integrated payment solution you can easily connect to your SaaS platform, eCommerce website, or application. Basicall, WePay allows you to build up your own custom payment terminal, craft checkout processes to the exact needs of your customers, and have these pages available on all locations where customers usually shop.

The platform comes with an integrated payment protection & fraud prevention technology (PCI compliance + tokenization), which means you can register new users, charge credit cards, and settle funds in your own app without worrying whether they are well secured. Creative developers were also considered in this process, which is how WePay offers RESTful API for them to build connections and empower multi-party payments. KYC collection and risk management are also part of the package, to make the platform useful regardless of where money may come from.

WePay also puts in place a number of risk management tools, and enables transaction-level reporting to give you a clear picture of your progress.

What is unique about WePay?

  1. Customizable payment technology. WePay’s payment technologies have been designed to meet the unique payment needs of each business, no matter how complex or risky these are. Users have control over the experience, including customization options for sign-up, checkout, and email communications, as well as the opportunity to white-label the buyer and seller experience.
  2. Advanced risk management tools. Its advanced risk tools allow the system to safely accept the merchants’ other processors may have problems serving. The software handles all matters related to overhead operations, which means less worries and stress for the business.
  3. Transaction-level reporting. Transaction-level reporting gives users granular data about how money is moving through their platform. Every transaction is backed by WePay’s innovative risk management technology, which is effective in stopping fraud and identity theft that can cost money and user experience.
  4. Compliance with all relevant protocols and regulations. With WePay, you can have the peace of mind that all your transactions comply with relevant  government, bank, and card network requirements, including PCI, OFAC, and other regulations.
  5. A trusted partner of leading accounting service providers. WePay is a trusted partner for more than a thousand top platforms, helping make their payments as seamless, simple, and safe as possible. It provides much functionality for everything the platform needs that is related to payments in a manner that is easy and free of risk as well.

11. BlueSnap

BlueSnap enables payments for eCommerce, mobile and website development, and a dedicated payment processor for merchants and retailers. This means that you can integrate it with all leading marketplaces and shopping cart platforms and enable direct payments, or make use of it to build unique desktop and mobile applications for SaaS, invoicing, gaming, and more. Such combination of retailer and developer-friendly tools is unique in this industry.

How does BlueSnap work? The platform helps you expand your eCommerce business by supporting even 110 payment types, in 100 currencies and 29 different languages. It is fully operable and active in 180 countries, and connects automatically to a global network of acquiring banks (Powered Buy Platform) to ensure the best conversion rates for each user. It is also well-known for its Subscription Billing Engine, thanks to which users can customize their recurring billing models, reach out to more people worldwide, and let them pay without the trouble of entering credit card data.

What is unique about BlueSnap?

  1. A robust payment management suite. BlueSnap inorporates a payment processor, gateway, and merchant account into a compact, unified platform. This particular setup helps businesses take credit card payments via online gateways, provide mobile wallets to their customers, and reconcile and pull comprehensive reports in no time.
  2. Multiple payment options. The system integrates with PayPal, ApplePay, VISA, MassterCard, Discover and many more, giving shoppers tons of payment choices and enabling businesses to accept more payments from domestic and international customers, thus significantly increasing their income.
  3. Built-in virtual terminal in every console. BlueSnap comes with a built-in virtual terminal in every console, enabling users to accept payments over the phone. On top of that, users can opt to deliver specialized emails to their clients detailing the products and services that that intend to buy. They can place their payment details on their own, and complete the transaction on any device.
  4. International eCommerce-friendly system. The platform was designed to cater to cross-border eCommerce, thus the integration with acquiring banks around the globe. This means users are able to enjoy automatic transaction routing to the acquiring bank that is is just right for your shopper, plus fail-overs and subscription retries to ensure maximum success rate.
  5. Powerful analytic components. Analytics is an essential component for any business and BlueSnap delivers a string of payment analytics tools for greater transparency and insight. With BlueSnap, users are able to generate real-time sales, affiliate, and revenue reports, study all facets of conversion performance, compare and optimize order pages, and many more.

12. BitPay

We may be pro/against bitcoin payments, but we can’t disagree with the fact that they are the future of secure payments and transactions. BitPay owns a unique, leading position among gateways that enable such payments, being the founder and supporter of a whole new payment processing method. If you belong to the ever-growing poll of businesses accepting bitcoin payments, you should definitely give it a look.

In short, BitPay lets you accept and send bitcoins, store and spend your bitcoin funds in a secure manner, or turn them into dollars using your unique BitPay card. To make sure you can do this wherever you’re located in the world, Bit Pay adopted a mobile-first logic, and will now offer all the retail, eCommerce, billing, and donation tools you need to operate internationally. You can even resolve bitcoin disputes and receive settlement in your own currency, with the peace of mind that there will be no risk or price volatility while doing so. The BitPay Card even lets you load dollars using any bitcoin wallet and spend them around, without any fees at all.

What is unique about BitPay?

  1. Designed for sellers and e-merchants. With BitPay, online sellers and merchants can sell anything and everything and accept bitcoin as payment. BitPay speeds up transactions as it comes with a fast and easy setup designed for online payments.
  2. The lowest processing fee per transaction. While most credit card-enabled transaction processing systems impose rates and fees between 2 and 3 %, BitPay takes this rate down to fixed 1% for all users.
  3. Streamlined integrations. Integrating BitPay to any existing system is easy via the software’s cryptographically secure API. On top of that, users enjoy massive customization options for their security and confirmation speed.
  4. Support for 40 languages. BitPay enables invoicing in even 40 languages, which means your business can go global and cater to international customers. At the same time, it accepts payments in 8 different currencies, including bitcoins and mixed structures.
  5. Anti-fraud risk and identity management. As BitPay is built on bitcoin, users and customers are shielded from chargeback fraud and identity theft. Bitcoin transactions do not require parties to divulge sensitive business and personal information, making every bitcoin transaction safe and secure.

13. SagePay

Sage Pay is crafted for businesses looking to work with multiple payment methods and cover mobile and online payment trends, streamlining in such way the checkout experience of their end customers. To stay ahead of the game, Sage pay adopts a unique face-to-face payment methodology (mobile, wireless, and contactless) to complement the array of online payment tools, invoice payments, and phone payments tools.

What makes Sage Pay an end-to-end solution is that it accepts all payment types, including PayPal transactions in over 25 different currencies. All payment pages can be tailored and customized to meet branding specifications, and protected with advanced fraud prevention mechanisms at no additional costs. Funds are usually transferred to bank accounts within 2 working days, and data is automatically saved for distribution on your other Sage accounts. The platform also offers a cloud reporting tool (MySagePay), that helps you get a clear overview on the current state of all your payments.

What is unique about Sage Pay?

  1. Admirable reputation. With more of 15 years of active market participation, the once small UK-based startup grew out to be one of the world’s most reliable payment & finance processing service provider.
  2. Part of a large and integrated accounting suite. If you’re already a Sage product user, Pay will be even more convenient. The company brings viable solutions that meet your business needs with top class security, including Sage One, Sage 50, Sage 100ERP, Sage HRMS, and many more.
  3. Card terminals. Sage Pay allows you to collect face to face payments through card terminals, which makes it a handy tool for stores and businesses that use POS systems. You get a highly interactive touch screen system with clear and simple display making your job not only easy but fun too.
  4. Web-based terminals for collecting phone payments. Sage Pay offers also a web based virtual terminal which allows you to collect payments over the phone. Processing mail orders becomes easier because there is lesser or no paperwork involved.
  5. Automated invoicing. Automated mechanisms for invoice payments along with comprehensive customer support makes Sage Pay a much safer and preferable option ahead of other payment processing services in the region.

14. Braintree

Braintree is an all-in-one payment processing partner for businesses from all scales and industries. It allows clients to accept, send, process, and split payments maximize their business opportunities and increase their revenue, backed by Braintree’s loyal partnership with PayPal. What Braintree is best known for is the seamless checkout experience it provides, creating an overall feeling of safety and confidence that inspires customers to return. At the same time, Braintree equips you with sophisticated fraud tools can help you manage risk and fight current and next-gen fraudsters.

To ensure that all businesses will find what they need, Braintree offers four separate modules: Braintree Direct for merchants and donation collectors; Braintree Marketplace for businesses looking to process payments more efficiently and to improve order management; Braintree Auth for providers looking to connect with merchants and act on their behalf; and Contextual Commerce for modern businesses looking to build partnerships and use revenue opportunities.

What is unique about Braintree?

  1. Global market reach. With Braintree’s integrations, users have access to a global market with over 40 countries covered and more than 130 currencies supported while enjoying other benefits such as settlement and fraud protection. Best of all, there won’t be any foreign exchange or cross-border fees involved.7
  2. Friendly drop-in UI. Using Braintree’s srop-in UI, users get to start accepting payments almost as quickly as that next great idea comes up. This UI is a sleek, ready-made payment UI for accepting cards, or even PayPal in the app or website. Once completed, the client code obtains a payment method nonce for use on your server.
  3. Customizable checkout flows. With Braintree, users get to tailor their checkout flows any way they would like while remaining compliant with PCI SAQ A through Braintree’s easy-to-use payment APIs for app or web that provides unrestricted potential and an adaptive and more secure system that complies with the standards.
  4. Hosted Fields. Hosted Fields are Braintree’s unique security features that let the users maintain control over their web checkout while creating the necessary iframes to alleviate security concerns brought about by PCI requirements.
  5. Braintree Vault. Through Braintree Vault, they can keep sensitive data stored on a secure system the platform provides so the business can stay PCI-compliant. It also offers the benefit of reducing hassle of re-entering payment information of their customers each time they want to make a purchase.

15. CardinalCommerce

CardinalCommerce is a consumer authentication, mobile commerce and payment processing platform that is unique in many ways. To start with, its rules-based payment authentication technology helps prevent chargebacks, reduce fraud, and give customers the possibility to use a variety of leading alternative payment brands. Cardinal will also be a faithful partner while building a successful selling strategy, as its experts help you choose the best online marketplaces, enable mobile payment technology and secure setups. Expert advice and entrepreneurial support is offered in particular to newcomers that have little to no experience on handling startup pitfalls, social marketing, blogging, websites, growth, or shipping. Upon need, Cardinal experts can also help you choose the best banking services for your business.

What is unique about CardinalCommerce?

  1. Cardinal Consumer Authentication. With CardinalCommerce, merchants and financial institutions have total control over their authentication strategy through its Cardinal Consumer Authentication. Its authentication feature offers increased sales and margins and helps enhance consumer experience overall. the merchant can control which transactions are authenticated via our rules engine.
  2. Adhering to your own rules. With CardinalCommerce, users can set up their own rules based on factors such as amount of transaction, IP or device used, or shipping address, among many others.
  3. Universal Wallet. CardinalCommerce is best known for its Universal Wallet, a feature which provides access to multiple digital wallets with a single integration, such as PayPal, Amazon Payments, MasterCard MasterPass, and Visa CheckOut. This is beneficial to consumers who can now pay safely and securely with just a few keystrokes or clicks.
  4. 3D Security Technology. CardinalCommerce also offers innovative technologies such as 3-D Secure that helps users get into the complex authentication landscape in an easy set-up process and prevent online fraud without months of development and integration.
  5. Mobile Marketing. CardinalCommerce is fully equipped for mobile marketing usage, meaning that users can easily produce and send customized mobile messages about new product releases, special offers, or other promotions.

16. EPX

EPX (Electronic Payment Exchange) is a fully-integrated and secure payment platform for large and international businesses. It assists retailers, merchants, and bankers as their loyal processor, acquirer, and backend service partner, and delivers a single point of integration for building a genuinely secure and simple money transfer hub.

EPX utilizesEMV, tokenization, and encryption technology to protect payment data, which makes it the most solid international payment platform in this aspect. Customers are also satisfied with its reliability, as EPX eliminates the need to maintain multiple vendor relationships and reduces failure points with minimal intervention. Best of all, a single and moderately priced EPX account combines the functionality of a payment gateway, back-end and front-end payment processor, ISO, and merchant acquirer, so that the user can hadle all payment-related matters on a single dashboard.

What is unique about EPX?

  1. Fast credit card payment processing. EPX is fully enabled to handle credit, debit card, and electronic check processing for all types of businesses, from hotel chains and restaurants to beauty professionals and retail stores.
  2. Secure eCommerce (MOTO). For online retailers and consumers purchasing items on the web, EPX puts in place a secure, convenient, and easy data exchange experience. It enhances security, eliminates fraud, and complies end to end with PayPage and PCI standards.
  3. Virtual terminal. The EPX Virtual Terminal imposes no integration or hardware costs, but yet guarantees all the functionality of a PC-based point-of-sale (POS) terminal. It offers several different modes to process POS swipe transactions, MOTO transactions, POS PIN debit transactions, and other eCommerce transactions.
  4. Mobile payments. In order to help you conduct sales ‘outdoors’, and reach customers wherever they may be, EPX accepts mobile payments from all locations worldwide. All on-the-go payments are secured with encryption and tokenization.
  5. Reporting. EPX comes with a unique report creation model, as it assembles all data on a single WebSuite interface, and let you use only those chunks you need. You will also get access to a wide range of customized and standard reports already prepared in WebSuite.

17. PaySimple

What if the way you accept payments is the key condition for retaining customers? Would you strive to perfect it and to make it easier? All of PaySimple functionality revolves around this belief, and it is most probably what makes the platform so successful.

To start with, PaySimple reinvents the way you place and promote products, and market services, so that you can generate more registrations and appointments using your own website or social media profile. Next, it becomes the most flexible payment acceptance platform you’ve ever used, credit card and e-check payments online, over-the-phone, in person with desktop or mobile Point-of-Sale. Recurring billing and invoicing will also be a part of this package.

PaySimple also puts in place powerful sales & order reporting, so that you can have transaction, customer, and custom data available at any point of time. You can choose from a variety of premade templates, or use the platform’s intuitive builder to draft reports of your own.

What is unique about PaySimple?

  1. Online billing & invoicing. PaySimple is an online billing and invoicing solution that is extremely user-friendly. The dashboard offers users a quick overview of aspects of their business’s billing including paid, overdue, and pending invoices. You can monitor your customers and all of their pertinent details, such as their saved credit card and banking information to help accelerate future transactions.
  2. Preferred mode of payment. With PaySimple, users can accept credit cards, debit cards, and ACH e-checks, making it easy and convenient for their clients to choose their preferred mode of payment. To speed up the payment process, customers can choose to log in to a simple portal that comes with the email you send them and settle their payments with you.
  3. Advanced booking. Booking is another feature that makes PaySimple an awesome payment and collection software. With its online booking tool, you can generate more business and find more opportunities by showcasing your staff and services.
  4. Calendar application. he Calendar application is a useful tool that helps you manage your time effectively. You can view all the appointments for yourself and your staff in one calendar, block personal time, and set lead times. You can also send your clients automatic follow-ups and reminders with the option to click to cancel or reschedule their appointments.
  5. Easy setup. PaySimple is hosted entirely in cloud, and requires no set up or installation works. All you need to do is to sign up for an account, and you can run the system immediately.

18. Zoho Checkout

Checkout is Zoho’s flagship one-time and recurring payment processing system, and one of world’s leader when it comes to processing innovations. It won’t only help you streamline the purchasing experience of your customers, but also transform payment pages into personalized terminals customers know and trust.

Coding is not necessary to build a checkout page with Zoho. Hosting is also handled on behalf of the provider, and all you have to do is to choose between one-time and recurring payments (or both), and configure the intervals, dates, and duration for each of them. Zoho Checkout will even allow you to choose a collection amount (or let the customer handle that), and offer a variety of professional and ready-to-use templates to save you the trouble of creating a new page. You can customize almost everything on them, including tailor labels, colors, fonts, and background images, and make sure that your message is clearly conveyed. The payment page can then be shared on your website, social media account, or sent by email, and then be automatically connected to the customer’s preferred gateway for easier money collection. The platform can process credit card payments from Visa, MasterCard and Amex, and resolve failed recurring transactions by cards that were declined.

What is unique about Zoho Checkout?

  1. Building your own payment page. With Zoho Checkout, you can build your own personalized and secure payment pages, and start accepting money since day one. The system is cloud-hosted and very intuitive, and requires no coding experience to adapt it to your needs. Nevertheless, an array of ready-to-use templates will be there to shorten the process.
  2. Handles both one-time and recurring payments. Zoho Checkout lets you choose between one-time and recurring payments, and configure all intervals, dates, and duration for each of them. You can either enter the collection amount independently, or let your customers decide about it.
  3. Customization. There is nothing you can’t customize in Zoho Checkout – the platform lets you custom fonts, colors, and background images, work around marketing and brand awareness, tailor labels and fields based on your industry, and see all changes in a live preview before anybody else does.
  4. Easy collection of payments. Zoho Checkout lets you share your payment page on your website, in an email, or on your social media accounts. This way, customers can connect with a payment gateway easily, and you can receive your payments right away. The platform processes credit card payments from Visa, MasterCard and Amex.
  5. Resolving failed transactions. Zoho Checkout is also unique because of its capacity to resolve failed recurring transactions by automatically retrying declined cards.

19. Worldpay

Worldpay simplifies online, in-store, and mobile payments and helps depict and use partnership opportunities. Modern businesses resort to it for simplified transaction processing, be it that they belong to the retail, restaurant, healthcare, education, nonprofit, government, or professional service sector. A separate service (Total Mobile) is offered to sole professionals looking to accelerate mobile payment processing.

Payments facilitated with WorldPay payment solutions are protected with exceptional security options like PCI DSS assessment tools, encryption and tokenization, and EMV chip card acceptance., ensuring businesses that their customer data is secure and safe. Worldpay is also well-known for providing expert customer support, and working side by side with customers to ensure a more successful payment processing strategy. All of this results in a very smooth and positive experience for shoppers, from the first click to the last checkout.

What is unique about Worldpay?

  1. Caters to your shoppers’ preferences. WorldPay simplifies payment processing for both businesses and customers. With WorldPay, users can choose payment processing options that suit their requirements perfectly as well as address the preferences of their shoppers.
  2. Versatility. WorldPay is built on versatility that allows businesses to accept payments via multiple channels and means. Their payment processing solutions are designed to be configurable and complement each other to suit the way customers pay.
  3. Exceptional security. Payments facilitated with WorldPay payment solutions are protected with exceptional security options like PCI DSS assessment tools, encryption and tokenization, and EMV chip card acceptance., ensuring businesses that their customer data is secure and safe.
  4. Hosted payment pages. With WorldPay, you can create your own hosted payment pages, and collect in such way valuable customer information.
  5. Professional guidance from finance experts. With WorldPay, users receive expert guidance from experienced professionals who have extensive enterprise payment platform knowledge to help them with their payment needs as their businesses grow and their customers’ needs shift.

20. Dwolla

Dwolla is another new-generation asset for building facilitating business apps. It specializes in crafting bank transfer and credit card acceptance technology, or even tools that are simply dedicated to managing and organizing customers, and verifying their accounts. This is why Dwolla has such a diverse customer landscape, where you can find all types of users from sole accountants to high-tier international banks.

While launching and integrating Dwolla with your payment application, you will be offered expert assistance on all matters. The platform is flexible enough to take into consideration the complexity of your your payment requirements, including the specific customer and bank verification rules you have to adhere to. On their website, you can freely browse for documentation and development resources, so that you will know how to customize your ideal payment solution.

What is unique about Dwolla?

  1. Bank transfer processing tool with focus on the US market. Dwolla is an online payment solution specifically designed for bank transfers. It consists of a flexible and easy-to-use suite of products that work with all US banks and credit unions, making it easy to build applications that facilitate bank transfers, manage customers, and instantly verify bank accounts.
  2. Automated clearing house (ACH) functions. Dwolla provides everything users need in an API for automated clearing house (ACH) functions. Users can send, receive, or transfer funds between customers while verification gets to be completed in an instant. This robust API lets them get up and running with a minimum of four endpoints, making integration easy to implement.
  3. White Label integrations. Dwolla’s dashboard unlocks data generated by the API and presents the information users will need to operate a successful business. There is also a customizable integration script that can be integrated into the system and quickly verify bank accounts, with easy to use tools that help manage single or bulk bank transfers on demand.
  4. MassPay feature. Dwolla’s popular MassPay feature processes the disbursement of thousands of payments at once with a single API request or CSV upload.
  5. In-time transfers. With Dwolla, transfers can be completed in just one business day with Expedited Transfers, while On-Demand Transfers collects variable payments from a payer’s bank account upon authorization. It is quick to implement and easy to customize and verify bank accounts in a matter of seconds.
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