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Best 20 International Payment Gateway For Online Business In 2021

An international payment gateway is a middleman between your online store and the payment processor that receives the payment from your customer. In other words, once a customer enters their payment details on your site, the payment gateway takes care of sending that data securely to the payment processor.

An international payment gateway takes care of authorizing the payment and ensuring that the data entered is enough to finalize the payment. The gateway protects the details of the credit card by encrypting all sensitive information it holds. This process ensures that personal private details are passed securely between the customer and the merchant.

 

Why We Use Payment Gateway For Online Business

Using an international payment gateway can help decrease the frequency and severity of credit card fraud within the e-commerce business. A payment gateway allows the merchants to process credit, debit, and other alternative online payments. The payment gateway acts as the go-between to make sure that customer data is encrypted and secure. There are some reasons for using an international payment gateway.

Setting up an international payment gateway is very easy for a merchant who already has an account and website. It also requires little maintenance. Since most online retailers use an international payment gateway, it will be easy for merchants because most online shoppers are already familiar with the technology.

Using a payment gateway also allows the customers to stay at merchants’ sites without the trouble of popping up to new pages. Merchants can control and customize their checkout pages which is an advantage for them.

 

How Does A Payment Gateway Work

  • Hosted payment page

A hosted payment page is an out-of-the-box payment page where customers are redirected when they are ready to checkout. The international payment gateway securely receives the transaction data before it passes it to the acquirer. A hosted payment page reduces the PCI burden for online merchants if you don’t collect and store the cardholder data on your server.

  • Server-to-server integration

A server to server integration is also known as a direct integration as it enables the communication between two servers; the merchant’s server with the payment gateway’s server. By requesting the card details on the payment page, a direct transaction can be initiated. Customers can finalize a card payment without being redirected to the payment page of the payment gateway, resulting in faster checkout, a more consistent user experience, and more control over the look and feel of the payment page from the merchant’s perspective. A server-to-server integration is suitable for collecting and storing the payment data before sending them to the an international payment gateway for processing.

  • Client-side encryption

Client-side encryption, also known as encryption-at-source, refers to encrypting sensitive on the client-side device before sending it to the merchant’s server. It enables the merchant to simplify your PCI compliance requirements. In a nutshell, it enables you to accept payments on your website while encrypting card data in your browser, using the an international payment gateway encryption library.

 

What Is A Merchant Account

A merchant account is a specific bank account required for card payments / online trading. Not to be confused with the business bank account, though. Payment gateways, payment service providers (PSPs), acquirers, payment processors, independent sales organizations, or high street banks can provide you with a merchant account. Once your application for a merchant account is approved, you will be assigned a merchant identification number.

 

Payment Gateway vs. Merchant Account

You need to have a merchant account to accept card payments and use an international payment gateway to transmit online payment data. You’re PSP, an international payment gateway, or any other financial institution that processes your payments, as previously mentioned, can issue your merchant account. The bottom line is, you can’t accept online payments without having a merchant account.

 

Here Are The 20 Best Payment Gateways for 2021

1. Authorize.Net

Authorize.Net is a United States-based payment gateway service provider, allowing merchants to accept credit card and electronic check payments through their website and over an Internet Protocol connection. Authorize.Net is now a subsidiary of Visa Inc. As we said, Authorize.Net only provides an international payment gateway. They offer an all-in-one plan to connect your payment gateway with a third-party merchant account and payment processor.

Pricing:

  • Monthly fee: $25
  • Card-present processing fee: 2.9% + 30¢ per transaction or 10¢ per transaction and 10¢ batch fee
  • ACH/e-check processing fee: 0.75% per transaction
  • Chargeback fee: $0
  • POS system: $0
  • Virtual Terminal: $0
  • Card readers: $65
  • Terminals: 3rd party

 

2. Stripe

Stripe is a terrific an international payment gateway for businesses, from startups to Fortune 500 firms. Its vast integrations make it a great choice for online, international, and B2B payment processing. However, it made our list here because of its programmability. Stripe’s API and SDK tools are some of the best on the market, making it a great choice for a business that wants to incorporate Stripe payments into its software or mobile app.

Pricing:

  • Monthly fee: $0
  • In-person processing fee: 2.7% + 5¢ per transaction
  • International cards processing fee: 3.3% + 5¢ per transaction
  • Online processing fee: 2.9% + 30¢ per transaction
  • Discounts for volume sales, multi-products, interchange plus
  • Chargeback fee: $15
  • Virtual Terminal: $0
  • Card readers: $59
  • POS: $2,499

 

3. Square

Square is a favorite among reviewers at Fit Small Business because it can do so much and does it well. This easy-to-use system makes our lists for best POS system for small businesses, POS for restaurants, best credit card readers, best salon POS, and more. It’s also a top-ranking merchant service, so it makes sense that it ranks high for an international payment gateway.

It works for mobile, desktop, tablet, or POS systems. It has the lowest score in the support category of all the products on our list. However, it overcame that deficiency by scoring high for price, features, and overall customer satisfaction. All told, it earned 4.53 out of 5.

Pricing:

  • Monthly fee: $0
  • Card-present processing fee: 2.6% + 10¢ per transaction
  • Keyed-in processing fee: 3.5% + 15¢ per transaction
  • Online/ecommerce rate: 2.9% + 30¢
  • ACH processing fee: 1% with $1 minimum
  • Rapid Pay fee: 1%
  • Chargeback fee: $25
  • POS system: $60/month
  • Virtual Terminal: $0
  • Card readers: From $49
  • Terminals: From $299
  • 30-day free trial

 

4. 2Checkout

2Checkout made our list of payment gateways because of its international scope. It’s also a highly Integra table with over 120 e-commerce integrations. However, it is especially good for global sales because it can act as the merchant of record, taking care of payment processing and sales tax management and compliance.

Pricing:

  • Monthly fee: $0
  • Processing fee: 3.5% + 35¢ to 6% + 60¢
  • Chargeback fee: Varies
  • Hardware sold by third parties

 

5. PayPal

PayPal is indeed much more than just a gateway that business owners can integrate with their e-commerce stores. Many casual users have PayPal accounts and use the service to handle casual payments on the web or even split a bill with their friends. All this makes PayPal the must-have an international payment gateway for your e-commerce store, purely because it’s the one solution that guarantees you’ll be able to sell your products to everyone.

Pricing:

  • PayPal Payments Standard: 2.9% + 30¢ per transaction; there are volume discounts if you process a lot of payments
  • PayPal Express Checkout: 2.9% + 30¢ per transaction
  • PayPal Payments Pro: 2.9% + 30¢ per transaction; plus $30 per month.

 

6. Amazon Pay

Amazon Pay is a service offered to Amazon customers. You are enabled to use it wherever you see it, whether that is clicking the Amazon Pay button when checking out on your favorite online stores, managing your payment methods in your account on Amazon.com, or using Amazon Pay on Alexa.

Amazon Pay is an online payments processing service owned by Amazon. Launched in 2007, Amazon Pay uses the consumer base of Amazon.com and focuses on giving users the option to pay with their Amazon accounts on external merchant websites.

Pricing:

  • Online processing fee: 2.9% + 30¢ per transaction
  • Alexa processing fee: 4% + 30¢ per transaction
  • Cross-border: 3.9% + 30¢ (online), 5% + 30¢ (Alexa)
  • Chargeback fee: $20

 

7. Chase Merchant Services

Chase Merchant Services, formerly known as Chase Paymentech, is the credit card processing branch of Chase Bank. It has provided payment processing services since 1985 and is one of the largest credit card processors in the world, processing more than $1 trillion annually.

Chase is a popular payment processor for businesses of all sizes, from international corporations to mom-and-pop shops, and across many industries, including retail, restaurants, and professional services. It also resells its processing services through ISO/MSPs and merchant aggregators.

Pricing:

  • Monthly fee: $15 (for checking account)
  • Card-present processing fee: 2.6% + 10¢ per transaction
  • Keyed-in processing fee: 3.5% + 10¢ per transaction
  • Rapid Pay fee: $0
  • Chargeback fee: starting at $5
  • POS system: $0
  • Virtual Terminal: $0
  • Card readers: Custom

 

8. Shopify Payment

As well as providing an international payment gateway, Shopify is a popular complete eCommerce system in the UK, offering everything you need to start selling online. Just bear in mind that if you choose to move away from Shopify Payments and integrate a third-party an international payment gateway provider into your Shopify website, payment gateway fees will be less favorable!

Pricing:

  • Transaction fees: 2.2% plus (with the basic package)
  • Monthly fee: £23 (basic), £234 (advanced)
  • Fee use an external gateway: 2% (basic), .5% (advanced)

 

9. SecurionPay

SecurionPay is next on our list of best international payment gateways. It offers hassle-free online payment solutions. SecurionPay is an expert in processing credit card payments done online. They build the most agile, fast, and versatile API to support every payment scenario.

Pricing:

  • Zero setup cost
  • No monthly or yearly charges
  • 95% +0.25 Euro per transaction

 

10. Braintree

Next on our list of international payment gateways is Braintree, owned by PayPal. Founded in 2007, Braintree was acquired by PayPal in 2013. And since then, it has expanded to over 45 countries and regions. Along with payments, Braintree can accept payments through Bitcoin in partnership with Coinbase.

Pricing:

  • No setup, monthly, or hidden fees
  • 9% + $0.3 per transaction for all major credit/debit cards and digital wallets.
  • 75% maximum of $5 for ACH direct debit.

 

11. Helcim

Helcim is our pick as the best payment processor for established small businesses in 2021. It has competitive rates and uses the interchange-plus pricing model. Helcim provides, at no extra cost, extra features like basic point-of-sale software, a hosted online store, a virtual terminal, invoicing, recurring payments, and more.

We chose Helcim as the best credit card processor for established small businesses specifically, those that regularly process more than $5,000 per month and want better rates and more features than what they can get from a flat-rate plan.

Pricing:

  • Monthly fees: $0 
  • Setup fees: $0 
  • Cancellation fees: $0 
  • Deposit Fees: $0
  • PCI fees: $0 
  • User fees: $0

 

12. Payline

Payline has been in the payment gateway business for a while now. They offer clear fees and a beneficial interchange-plus pricing model. If you’re going to be accepting mainly credit cards, this might be the best solution for you. In this model, you’re charged based on each card’s associated transaction fees plus the operator’s fee.

Youwill need a separate merchant account to work with Payline, making the setup process more complex and perhaps less friendly if you’re just getting started with a new e-commerce store.

Pricing:

  • Due to the interchange-plus pricing model, you’re charged the cost of the specific credit card you’re processing + 0.3% of the transaction amount.
  • There’s also a separate $10 per month fee to keep your account enabled.

 

13. Payza

Payza is a convenient, fast, and secure payment gateway solution for businesses and people to accept and send money worldwide. There are multiple account types for different customers, like personal accounts for personal use and business accounts for more complex requirements.

Payza payment gateway is available in 190 countries and supports 22 different currencies. It is one of the best payment gateway solutions available in many countries, bridging the global gap in sending and receiving payments.

Pricing:

  • Fee: $0
  • Receiving funds in BTC:1.2% of the amount
  • Receiving funds: 2.90% + $0.30
  • Adding funds bank wire: $8
  • Adding funds credit card: 3.50% of the amount
  • Adding funds bank transfer: $2/transaction
  • Withdrawing funds bank transfer: $0.50

 

14. BitPay

Founded in 2011, BitPay is a payment service for accepting Bitcoin as payment means. It provides Bitcoin and Bitcoin cash payment services to merchants. It started as a mobile checkout providing company to other businesses who wanted to accept Bitcoin as a payment. BitPay is the most used Bitcoin wallet service.

BitPay processes on average 99,505 transactions per month in 2020. They have also introduced the BitPay card for dollars converted through cryptocurrencies. In 2014, BitPay had garnered over 12,000 merchants, and since then, it has grown innumerably and ranked 1519 on 2020 Inc. 5000. The best thing about this is that it has the lowest transaction rates.

Pricing:

  • No hidden fees
  • 1% per transaction fee

 

15. WorldPay

Next on our list of best payment gateway worldwide is WorldPay. WorldPay was the biggest payment provider in the UK, which Vantec later acquired in 2017 and changed its name to Worldpay. Later in 2019, WorldPay was acquired by the FIS. World Pay’s international payment gateway provides solutions for large enterprises, B2B, B2C, and small to medium businesses.

WorldPay has access to 126 currencies to process payments across 146 countries. They offer flexible integration options such as a hosted pay page and an integrated payment page. In the former option, you get the payment page hosted by WorldPay to accept payments. And in the latter option, the payment page is integrated with your checkout for customers to complete payments without redirection.

Pricing:

  • WorldPay offers two pricing options. One is Gateway Standard which starts at £19 per month and includes a 350 transaction limit, no setup fee, and other Visa, PayPal, and digital payment checkouts.
  • Another option is Advanced Gateway which starts at £45 and includes 850 transactions with additional support for international and other payment options.

 

16. Payoneer

Payoneer is an intuitive international payment gateway that allows small businesses and freelancers to participate worldwide. Payoneer helps businesses pay their contractors or remote workers easily from any place they operate through its innovative mass payout platform.

Pricing:

  • By another Payoneer customer: Free
  • Directly by your clients: 3% Credit Card (all currencies)
  • Via Receiving Accounts: Free
  • Directly from your Payoneer balance: Free

 

17. Skrill

Skrill is one of the well-known payment gateways around the world. Skrill understands modern payment demands when it comes to payment processing and money transferring. Skrill started in the year 2001. Now, Skrill has many top companies as their customers using their innovative solutions in their businesses.

Skrill is recognized and awarded by many top companies such as Deloitte Technology Fast 50 Award, B2B EGP Award, and others. It is one of the successful UK-based payment gateways that support over 30 different currencies that enable customers to purchase products and services worldwide.

Pricing:

  • Deposit Funds: Free
  • Withdraw: $2 (depends on account)
  • Send or receive money: Free

 

18. Zoho Checkout 

Zoho Checkout is Zoho’s flagship one-time and recurring payment processing system and one of the world’s leaders regarding processing innovations. It won’t only help you streamline your customers’ purchasing experience but also transform payment pages into personalized terminals customers know and trust. Coding is not necessary to build a checkout page with Zoho.

Pricing:

  • Free Plan: Free
  • Standard Plan: $11/organization/month
  • Professional Plan: $33/organization/month

 

19. BlueSnap

BlueSnap is the global payment gateway designed to help businesses to accept payments easily. This gateway enables businesses to scale globally and accept payments from local to international customers. This platform is highly secure and built with a fraud prevention system to minimize risks.

Bluesnap has a network of over 30+ acquiring banks; this ensures customer trust, increases conversion rate, and improves revenues. It operates in 180 countries and connects automatically with acquiring banks globally. It supports 110 different payment types, 100 currencies, and 29 different languages.

Pricing:

  • No setup fees: Free
  • No cancellation fees: Free
  • No additional fees for wallets: Free

 

20. ECOMMPAY

ECOMMPAY is an online payment service provider catering to businesses of all sizes globally. Companies trust online retail, education, hospitality, gaming, and other industries to facilitate reliable and secure transactions. 

The scalable and user-friendly platform is equipped with robust transaction management and supports different payment channels plus over a hundred alternative payment methods. What is more, it has a payment routing system that leverages artificial intelligence to ensure the success rate of all transactions.

Price:

  • Free Trial: Not available
  • Quote-based Plan Contact: Vendor