15 Popular Payment Gateway Solutions: Which One Is the Best?

What is the best payment gateway solution?

The best payment gateway solution is Melio because this payment gateway enables small businesses in the US to make and receive payments with ease. With it, you can make payments via credit card or bank transfer and the vendor or contractor receives the payment his/her way (either by paper check or bank transfer).

If you are an ecommerce vendor looking for a suitable payment gateway solution, you have come to the right place. Now there are a lot of payment gateway providers out there. If you want to make sure that you’re choosing the right one, this piece on legit gateway providers in the USA should prove helpful.

In this article, we provide detailed reviews of the top payment gateway software in this category from which you can make an informed choice for your business needs.

Top Payment Gateway Solutions

One of the industries COVID-19 has driven to grow exponentially is ecommerce. In March 2020, the volume of transactions from online retail stores worldwide has grown around 74% compared to the number of transactions recorded during the same month of the previous year. This growth, however, comes with its own set of challenges. These include the increase in the demand for smooth, accurate, and secure contactless payment processing with digital platforms such as payment gateways.

As the enabling channels between an ecommerce website and the bank to processes a customer’s credit card payment, payment gateways are crucial to ecommerce. The best ones securely transmit the consumer’s confidential credit/debit card and bank account data to the issuing bank and get a reply from it about whether the transaction is accepted or declined.

growth rate of global retail transactions

Technology has changed the way ecommerce companies accept and process payments. The most prominent of these are payment gateway systems, which have been steadily growing in popularity. However, it is but one of the payment trends that are seen to change the way we pay.

15 Popular Payment Gateway Solutions

1. Melio

growth rate of global retail transactions

Melio is a simple payment gateway solution that allows small businesses in the US to pay and get paid for invoices with ease. It’s a robust solution that puts an end to the tedious bill-paying methods that impede your cash flow and clutter your schedule. When successfully implemented the app ably functions as the heart to the money-in-money-out processes.

For the money out, Melio lets you pay all bills including advertising, utilities, rent, insurance, and payments to other businesses for products and services. To make the payment process as easy as possible, it allows you to pay through bank transfer or credit card regardless of the payment method accepted by the vendor.



Try out Melio with their free trial

The best part is you don’t have to do it all alone. With the payment approval workflows, you can set up roles and permissions for other users in your company. This way, you can assign tasks such as scheduling payments and approvals, all without losing control of your cash flow. This is because Melio allows you to set real-time notifications and stay informed when a payment is scheduled or processed.

For the money in, Melio makes it easy to accept payments online. All you need to do is create a pay-link and share it with the respective client. With the link, the customer can pay you in only a few clicks, either via credit card or bank transfer without having to sign up. Another benefit of Melio payment is that, with the pay-link, you can track the payment as they arrive to your bank account.

Detailed Melio Review

2. BlueSnap

BlueSnap is an integrated global payment management and affiliate marketing solution. Businesses can use this platform to accept payments from international and local clients. The main feature of this solution is its fraud prevention system which significantly reduces fraudulent payments.

BlueSnap offers a global network of acquiring banks in its Powered Buy Platform. The advantage is merchants can get the highest payment conversion rates and thus enhance their revenues. Another important element is BlueSnap’s innovative subscription billing engine which generates accurate invoices. Other key features include payment API, hosted solutions, payment processor, merchant account, virtual terminals, and third party plugins.

Detailed BlueSnap Review

3. 2CheckOut

2CheckOut is a global payment gateway launched in 2006. Trusted by businesses of all sizes, this platform simplifies modern digital commerce processes by making transactions more convenient for both buyers and sellers. It is designed to accommodate various payment methods and payment setups through online and mobile channels. Whether your customers are paying via Visa, Discover, MasterCard, JCB, PayPal, or other credit/debit cards, this gateway can process them with ease. Moreover, it can support multiple currencies for easier payments.

Another nifty thing about 2CheckOut is that it can integrate with a large selection of shopping carts and invoicing systems. It also comes with open API capabilities so you can connect it with your existing business systems without hassle.What’s more is this platform is PCI Level 1 compliant so you can make sure that your transactions and confidential financial information are secure at all times.

Detailed 2Checkout Review

4. Stripe

Stripe enables internet businesses to accept payments and manage transactions online. It provides a complete toolkit for businesses operating on the web whether it’s an e-commerce store, a crowdfunding platform, a subscription service, or an on-demand marketplace.

The platform uses a cloud-based infrastructure to allow scalability and to tighten security. It removes the complexity of financial operations in online commerce by leveraging the platform to work with financial institutions, banks, payment networks, regulators, and consumer wallets in place of your business.

It has a service for marketplaces and payments platforms to use in accepting money and paying out to third-party systems. This makes it possible for Stripe to work for any business model as mentioned through its simplified infrastructure with pre-made UI components and an API-first approach for customization.

Detailed Stripe Review

5. SecurionPay

Next on our list is online and mobile payment solution SecurionPay, an all-in-one solution that is designed to help businesses with their paid subscription and online payment needs. The software is highly-versatile, able to support systems running on Mac, Windows, Linux, iOS and Android.

SecurionPay’s highly-secure payment gateway sports an advanced checkout functionality that allows users to accelerate the transaction process, improving conversion rates. The vendor has leveraged years of banking, IT development and payment processing experience to create the most powerful and dependable payment gateway software out in the market today.

Security is not a problem with SecurionPay as it utilizes popular anti-fraud protocols, which constantly screen payments for fraud. Additional security features include blacklisting rules, PCI level 1, a non-invasive 3D Secure tool and tokenization, which further reinforce transaction security. It comes with a native API, allowing it to quickly integrate with third-party applications. The product also has plugins for eCommerce apps such as WooCommerce and Magento.

Securion Pay is available in a transparent and straight pricing plan of 2.95% of transaction value + $0.29. For those who want to try out the service first, a free trial is also available.

Detailed SecurionPay Review

6. PayU

PayU is a popular payment gateway that offers fast and simple payment processes for vendors and buyers. It matches merchants’ requirements with customers’ shopping and payments behavior. Plus, it provides local expertise, a single integration, and innovative tools for business needs.

PayU offers more than 250 secure and fast payment methods. You can use them on any internet-connected computer, e-wallet, mobile device, and even offline. Businesses in geographies such as Africa, the Middle East, Latin America, Central and Eastern Europe, and Asia can tailor the solution to meet the demands of their local markets.

Top features of PayU include mobile integration, recurring payment, express payment, tokenization, Web checkout, alternative payments, and multi-currency support. The vendor provides quote-based pricing that is customized for the features your company uses. Plus, you can depend on reliable phone and email support to resolve any issues.

Detailed PayU Review

7. PayPal Payments Pro

PayPal Payments Pro is a payment processing system designed on PayPal’s technology. It can be used by online businesses to accept credit card payments as well as process retail and mobile credit cards. Plus, you can create and host your own checkout pages for complete control.

PayPal Payments Pro charges a flat rate of 2.90% along with a $0.30 per-transaction fee, which is helpful for enterprises with large tickets. The flat fee remains the same for credit, debit, rewards, and corporate cards. You don’t need a PayPal account to purchase using this solution. On top of accepting online payments, merchants can also process credit card payments through fax, phone, and mail (Virtual Terminal).

Detailed PayPal Payments Pro Review

8. Braintree

Braintree is an online payment gateway that makes payments easier. This application offers global commerce tools that can be used to accept payments and build businesses. It allows enterprises to develop their own experiences and expand their businesses around the world.

Why is Braintree in this list of popular payment gateways? For one, merchants in greater than 40 nations use Braintree to enable and accept payments in more than 130 currencies. Plus, this solution is part of the PayPal network, which gives more options to users for online payments. On top of that, the provider offers simple processes, innovative concepts, and excellent support. Top features include Braintree vault, dynamic control panel, easy repeat billing, 2-day payout, and global coverage.

Detailed Braintree Review

9. Skrill


Skrill stands out in a market where there are numerous low-quality money transfer and payment processing services. This payment service enables you to provide efficient support to your customers and not worry about late payments.

Skrill was launched in 2001 and today is a top global brand. It is used by many leading companies that are impressed by its innovative facilities and solutions. This provider has won many prestigious awards including the EGP B2B Award and the Deloitte Technology Fast 50 Award for its impeccable product. Key features include free account, fast access, credit card transactions, email transactions, and one place data.

Detailed Skrill Review

10. Adyen

Adyen is an ideal payment technology service for modern companies. This solution was launched in 2006 by talented payment technology specialists and it makes payment and money transfer procedures efficient and simple.

Businesses need to attract new customers and they can do so by using Adyen which enables consumers to pay easily online through mobile devices. You can replace complex payment methods with this smooth and seamless payment gateway. For this reason, the solution is favored by many global companies. Top features include one-click recurring payments, remote store management, data driving, and risk management.

Detailed Adyen Review

11. Amazon Payments

Amazon Payments is designed for both Amazon merchants and customers. It is a fast and reliable payment solution that is used by millions of Amazon users. The app consists of two packages:  Pay with Amazon (merchants) and Log In and Pay (shoppers).

Pay with Amazon helps online retailers to provide a smooth shopping experience for their customers. It offers essential features designed to attract new consumers and convert them into repeat buyers, smooth their shopping process, and boost customer loyalty using customizable recurring payments and other methods.

Log In and Pay allows Amazon customers to experience speedy checkout on thousands of apps and sites. This package stores seller information safely and it can be accessed in apps and websites where you buy frequently.

Detailed Amazon Payments Review

12. Authorize.Net

Authorize.Net is a payment gateway solution that offers the required infrastructure and security for fast and reliable transaction data transmission. You don’t need to install any software as this solution manages online transaction routing just like a conventional card swipe machine.

Over 370,000 merchants use Authorize.Net to accept payments securely. This solution provides a range of value-added services to protect businesses from fraud and to enable them to scale their offerings to meet demand. Merchants can generate reports, look at account statements, configure account setting, and manage transactions easily using this platform.

Detailed Authorize.Net Review

13. CyberSource

CyberSource offers a complete portfolio of payment management services that automate and simplify payment operations. Currently, more than 400,000 businesses are using this platform for secure online payment transactions and to manage fraud effectively.

CyberSource was founded in 1994 which makes it one of the earliest payment gateway solutions. The company strengthened its market share in 2007 by acquiring Authorize.Net. In 2010, it became a subsidiary of Visa Inc. Main features of this platform include export compliance, managed risk services, decision manager, secure acceptance via Web/mobile, global tax calculation, bank transfers and direct debit, payment cards, and cross-channel payments.

Detailed CyberSource Review

14. CardinalCommerce


CardinalCommerce is a payment gateway provider that enables secure transactions and authenticated payments, and offers alternative payment brands for both mobile commerce and online eCommerce. This platform offers payment brands for thousands of global merchants.

CardinalCommerce has utilized years of feedback and experience to design suitable payment processing solutions for financial institutions and merchants. Its range of products is used by merchants in more than 200 countries and in greater than 180 currencies. Main features include universal wallet, universal PIN debit service, tokenization, mobile marketing, mobile banking, hosted payments, digital gift cards, and consumer authentication.

Detailed CardinalCommerce Review

15. Payza

Payza (formerly AlertPay) can be used by businesses and individuals to securely send and accept money anywhere in the world. Individuals can open a personal Payza account while enterprises can make use of business accounts for their larger needs. This solution performs conventional online payment processing and is similar to other payment gateways.

Payza is available in 22 currencies and is used in 190 countries. This service is especially popular in developing countries where merchants use it to send and receive money on a global scale. Top features of this solution include shopping cart integration, centralized management, payment buttons, local payment options, request funds, send funds, and secure online payments.

Detailed Payza Review

And that’s about it, our list of the 15 popular gateway solutions. But don’t dive right away into a deal, take time to consider what you really need in such a platform.

Of course, if you’re still undecided, we highly recommend you first try out Melio. Offering comprehensive tools, this platform will surely help you in streamlining your bill payments process.

If you still have doubts about the products mentioned, check out this guide on the top 20 payment gateway providers, which will tell you more about some of the most popular tools in the category.

Shaun Baker

By Shaun Baker

With 5 years of experience in digital marketing and retail strategy under his belt, Shaun Baker is the resident eCommerce expert at FinancesOnline. A contributor to Entrepreneur, The Atlantic, and other business portals, he has spoken and written about various eCommerce subjects, from AI and headless commerce to the economics of Black Mirror’s “Fifteen Million Credits”. His (highly) opinionated pieces on the ebbs and flows of eCommerce as an industry remain both a dynamic resource of talking points and entertainment in itself.

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