Best Payment Gateways for Online Stores in 2025. In 2025, online stores need secure, fast, and reliable payment gateways to process transactions smoothly. The right payment gateway ensures customer trust, reduces cart abandonment, and improves the overall shopping experience.
If you’re running an e-commerce business, choosing the best payment gateway is crucial for success. In this article, we’ll cover the top payment gateways, their features, fees, and how to pick the right one for your business.
What is a Payment Gateway?
A payment gateway is a technology that allows online businesses to accept payments securely. It acts as a bridge between the customer, the business, and the bank to process transactions efficiently.
How to Choose the Best Payment Gateway?
When selecting a payment gateway for your online store, consider these factors:
- Transaction Fees – Some gateways charge a flat fee per transaction, while others have percentage-based pricing.
- Payment Methods – Ensure it supports credit/debit cards, digital wallets (Apple Pay, Google Pay), and international payments.
- Security – Look for PCI DSS compliance, SSL encryption, and fraud protection.
- Integration – Choose a gateway that integrates with Shopify, WooCommerce, Magento, or your e-commerce platform.
- Payout Speed – Fast payouts ensure smooth cash flow for your business.
Top 7 Best Payment Gateways for Online Stores in 2025
Here are the best payment gateways that offer security, speed, and global reach for e-commerce businesses.
1. PayPal – Best for Global Transactions
Features:
Supports credit cards, debit cards, PayPal balance, and digital wallets Easy checkout integration for Shopify, WooCommerce, and BigCommerce Seller protection & fraud detection
Transaction Fees:
3.9% + fixed fee (for international transactions)
2.9% + $0.30 per transaction (for U.S. payments)
2. Stripe – Best for Developers & Custom Integrations
Features: Supports over 135 currencies and multiple payment methods Customizable API for seamless checkout experiences Built-in fraud protection & AI-driven risk analysis
Transaction Fees:
- 2.9% + $0.30 per transaction (standard pricing)
- Additional fees for currency conversion & international payments
3. Square – Best for Small Businesses & In-Person Sales
Features: Omnichannel payment support (online + POS system) Free online store builder for businesses Instant deposits for faster cash flow
Transaction Fees:
- 2.6% + $0.10 per transaction
- No monthly fees for basic plans
4. Authorize.Net – Best for Established Businesses
Features: Supports recurring billing & subscription models Advanced fraud prevention tools Accepts credit cards, e-checks, and contactless payments
Transaction Fees:
- 2.9% + $0.30 per transaction
- $25 monthly gateway fee
5. Razorpay – Best for Indian E-commerce Stores
Features: Supports UPI, Net Banking, Credit/Debit Cards, and Wallets Instant settlements & easy refunds No setup fees for small businesses
Transaction Fees:
- 2% per transaction (domestic)
- 3% per transaction (international)
6. 2Checkout (now Verifone) – Best for Global Digital Products
Features: Accepts payments in over 200 countries Subscription billing & automated tax compliance Supports multiple payment methods & currencies
Transaction Fees:
- 3.5% + $0.35 per transaction
7. Adyen – Best for Large Enterprises & Global Brands
Features: Unified payments for online, in-app, and in-store transactions AI-powered fraud detection & risk management Supports global currencies & local payment methods
Transaction Fees:
- Varies based on volume & payment method
- Typically 1.5% – 3.5% per transaction
Comparison Table – Best Payment Gateways for 2025
| Payment Gateway | Best For | Transaction Fees | Supported Currencies |
| PayPal | Global transactions | 2.9% + $0.30 | 100+ currencies |
| Stripe | Developers & customization | 2.9% + $0.30 | 135+ currencies |
| Square | Small businesses | 2.6% + $0.10 | Limited |
| Authorize.Net | Established businesses | 2.9% + $0.30 + $25 monthly fee | Multiple |
| Razorpay | Indian e-commerce | 2% – 3% | INR, international currencies |
| 2Checkout (Verifone) | Digital products | 3.5% + $0.35 | 200+ countries |
| Adyen | Large enterprises | 1.5% – 3.5% | Global |
Conclusion – Which Payment Gateway is Best for You?
Choosing the right payment gateway depends on your business needs.
- For small businesses → Square or Razorpay
- For global transactions → PayPal or 2Checkout
- For developers & customization → Stripe
- For enterprises & scalability → Adyen or Authorize.Net
Each of these best payment gateways for online stores in 2025 provides a secure, fast, and seamless checkout experience. Pick the one that fits your budget, location, and customer preferences.
FAQs – Best Payment Gateways for Online Stores
Q1: Which payment gateway has the lowest transaction fees?
Razorpay and Square offer some of the lowest fees for small businesses.
Q2: Which payment gateway is best for international transactions? PayPal, Stripe, and 2Checkout support multiple currencies and international payments.
Q3: Can I use multiple payment gateways in my store? Yes! Many online stores combine PayPal, Stripe, and a local payment gateway for better customer experience.
Final Thoughts
By choosing the best payment gateway for your online store, you can improve conversion rates, reduce cart abandonment, and ensure a smooth payment experience for customers. Make sure to compare fees, security, and integration options before finalizing your choice.
If you found this guide helpful, share it with other e-commerce store owners!