May 27, 2024

10 Best Payment Gateway Integrations [+Guide]

Alena Arsionava

Technology Evangelist


10 Best Payment Gateway Integrations for Your Online Store

Alena Arsionava

Technology Evangelist


10 Best Payment Gateway Integrations for Your Online Store

Today’s e-commerce businesses are doing their best to make online shopping easy. Fast page loading, easy product browsing, and frictionless checkout — we, customers, don’t settle for less. Convenient and secure payments are a piece of the puzzle. 

In our post, we’ll guide you on the payment gateway integration in your store. You will gain insights into the best payment gateway solutions every online business should keep on their radar. Learn what payment gateways are, their types, and integration methods to see which solution fits you best.

Key Takeaways

  • Best payment gateways for ecommerce stores are Stripe, PayPal, Square, Authorize.Net, and Shopify Payments.
  • Multiple payment gateway integration is a feasible solution for large stores selling globally. It enables customers to choose their preferred payment method no matter their location or financial institution.
  • The most common payment gateway integration method is via API. Other methods include hosted payment pages, mobile payment integration, and payment gateway plugins. 
  • Custom payment integration services are best-fit for businesses with complex payment processing flows, such as marketplaces, large enterprises, or companies with specialized domains.

What is a Payment Gateway?

A payment gateway is like a digital cashier in an e-commerce store. It does literally what its name stands for — it provides a secure path to process payment online by connecting the merchant's website or app with the customer's bank or credit card network.  

Among ecommerce integrations, payment gateway is one of the most important ones. It enhances the checkout process within your store by enabling diverse, secure, and convenient payment options for your customers. So, let's see how the process looks under the hood.

How Does Payment Gateway Work?

Payment gateway work scheme

The payment gateway operation represents a structured data exchange flow between the merchant's site and the financial institution (bank). Basically, the process looks as follows.

  1. When customers proceed to the checkout, ready to pay for their cart, they enter their payment information — card details and sum.
  2. The payment gateway receives an input of the customer's information and encrypts it.
  3. It sends it to the designated financial institutions via a payment processor to authorize the transaction. 
  4. Once the transaction is verified, the institution sends a response back to the payment processor through the credit card network. 
  5. The payment processor further connects to the payment gateway on the merchant's side. If the transaction is successful, the customer's order is confirmed and processed to fulfillment.
  6. Then, it transfers the money to the merchant's account, which may take a few business days.

This is a general concept of payment gateway operation. However, the process may look different for end customers depending on the types of payment gateways. Let's see what they are and how each one works.

Types of Payment Gateways 

Payment gateways vary based on their functionality and integration method. The choice of a particular type of payment gateway depends on the use case scenario and business needs.

Hosted Payments

With hosted payment gateways, your customers are redirected to a separate page where the provider processes and completes their payments. Hosted payment gateways are secure — all the customer data is encrypted. They are quick to set up and require minimal development effort on the merchant's end. 

While hosted payment gateways are generally easy to set up, they also have their drawbacks. The redirecting process can be confusing for customers, and the checkout process may take longer, potentially leading to cart abandonment. 

Examples: PayPal Standard, 2Checkout (now Verifone), and PayU.

Integrated Payments

With integrated payment gateways, you can accept payments right on your website. This method is convenient for customers, as they stay on the same page, and the checkout is usually smooth and fast. Plus, APIs give you more freedom with customization — you can build checkout experiences that match your needs. 

Among the cons, it has higher security risks, as you handle and store sensitive payment data on your website. With integrated payment gateways, adhering to strict security standards, such as PCI DSS (Payment Card Industry Data Security Standard), is a must. Besides, its implementation requires technical expertise. 

Examples: Stripe, Authorize.Net.

Mobile Payments

Mobile payment gateways are made specifically for mobile apps. The integration is handled via SDKs (Software Development Kits). If you want to let your users make purchases through the app and allow for in-app payments, mobile payment SDK is the way to go. The use cases are commonly e-commerce apps or gaming where you can purchase digital content.

Examples: Braintree Mobile SDK, Stripe Mobile SDK, Square SDK.

Multiple Payment Gateways

Many global stores incorporate multiple payment gateway integration. By using more than one integration solution on a website, you can offer your customers various payment options and increase payment success rates. For example, a European customer might prefer to use PayPal, while a customer from the United States might opt for Stripe.

Payment Gateway Integration Methods

Payment gateway integration methods

As payment gateways differ by type, so does their integration process. You can integrate payment gateways either via API, by adding a hosted page, or with direct POS integration. In some cases, the integration methods are combined and involve writing custom code. Below, we describe the common ones with real-life examples of sites using different methods.

Payment Gateway API Integration (Mobile + Web)

The most common method. The API sets up the serve-to-serve connection between the gateway and your website to process payments. 

The payment gateway API integration process may be as easy as adding a few lines of code. Most providers have documentation to help you out. If you need a high level of customization and implementing security measures, NEKLO provides payment gateway integration services end-to-end. 

Case in Point:

  • Uber: Uber integrates payment gateway APIs such as Braintree and Adyen to process transactions within their mobile app securely. Users pay without leaving the app.
  • Airbnb: Airbnb utilizes payment gateway API integration with Stripe to handle transactions between hosts and guests.

Hosted Payment Page

First, to integrate a Hosted Payment Page on your site, obtain the necessary API credentials from your payment gateway provider. Then, embed the provided HTML code snippet within your website's checkout page, ensuring it's configured to redirect users to the hosted payment page when purchasing.

Case in Point:

  • Eventbrite: Eventbrite sends users to a hosted payment page to complete their ticket purchase.
  • GoDaddy Online: GoDaddy's online store platform does the same, allowing merchants to accept payments through various payment gateways, such as PayPal and Stripe.

Direct Post Integration

Direct post integration method, also known as silent post or server-to-server integration, involves posting payment data directly from the merchant's server to the payment gateway's server. The customer completes the form on the merchant's website. Once submitted, the data goes to the payment gateway for processing.

Case in Point:

  • Shopify: Shopify integrates with various payment gateways like Stripe and PayPal using direct post integration. Its payments are made on the site with no redirects.
  • BigCommerce: BigCommerce uses direct post integration with Square and Authorize.Net. The checkout process for users looks the same — one page.

JavaScript Integration

You can embed payment gateway functionality into your site using JavaScript code. The payment fields are dynamically generated and displayed on the website without requiring page reloads. The method is often combined with API integration at large global sites for a seamless checkout experience.

Case in point:

  • Netflix: Netflix employs JavaScript integration to handle subscription payments securely on their platform. They utilize JavaScript libraries provided by Stripe to enable payment processing within their user interface.
  • Fiverr: Fiverr, a freelance marketplace, utilizes JavaScript to handle payments between freelancers and clients, along with API integrations (PayPal and Payoneer).

Each integration method has pros and potential pitfalls. So, how do you choose one that will work best for your store? Consider factors such as the level of customization required, security considerations, development resources, and the business's specific needs.

Custom Payment Gateway Integration 

If DIY is not an option, consider a trusted E-commerce Software Development Company for payment gateway integration services. 

When do I need a payment gateway integration service? 

If you have unique checkout flows, sell specific products, or need advanced features, custom payment integration is the way to go. The scope of service varies. It may include direct API integration or writing custom code. We help you handle multi-currency and multi-language integrations, sync it with other backend systems (ERP, CRM), or enable advanced analytics. 

Best For: medium to large enterprises, retailers or marketplaces with complex structure, legacy systems or specific compliance requirements.

Platform-specific Integration

We work with all popular e-commerce platforms. Magento, Shopify, WooCommerce, and BigCommerce are our comfort zones. If you don’t have an in-house team to integrate payment modules or have a tricky question on how to do it right, no worries. We’ll ensure seamless integration with your platforms.

Best For: small to medium businesses with no/limited technical expertise.

Multi-channel Integration

Selling multiple channels? We can connect your online store, mobile app, and social media platform and integrate POS (Point of Sale) systems. Thus, wherever your customers are, you will be able to seamlessly accept their payments.

Best For: businesses with diverse sales channels, online stores, brick-and-mortar locations, marketplaces.

The payment gateway integration service may cost a few hundred to several thousand dollars. It all depends on the complexity level and customization requirements. To keep it transparent, we estimate work hours and cooperate using the most client-friendly model, providing you with a dedicated team or developer. Ongoing maintenance and support are included.

Now that we’ve defined the common types of payment gateways and their integration methods, it’s time to examine the best payment gateway solutions on the market. 

Best Payment Gateways For Ecommerce Stores

Payment Gateway Type Pricing
PayPal Hosted Transaction fees: 2.9% + $0.30 per transaction
Stripe Integrated Transaction fees: 2.9% + $0.30 per transaction
Square Integrated Transaction fees: 2.6% + $0.10 per transaction
Authorize.Net Integrated Transaction fees: 2.9% + $0.30 per transaction
2Checkout Hosted Transaction fees: 3.5% + $0.35 per transaction
Worldpay Integrated Custom pricing
Braintree Integrated Transaction fees: 2.9% + $0.30 per transaction
Adyen Integrated Custom pricing
Amazon Pay Hosted Transaction fees: 2.9% + $0.30 per transaction
Shopify Payments Integrated Transaction fees: 2.9% + $0.30 per transaction


Stripe supports online payments and handles everything from subscriptions to complex payment scenarios. One of its key advantages is its user-friendly interface and extensive documentation. As a business owner,  you can relatively integrate it as it is. Customization, however, requires technical expertise. Additionally, Stripe provides features such as real-time data analytics and fraud prevention tools.


A widely recognized payment gateway, PayPal offers easy integration, supports multiple currencies, and provides buyer protection services. Among its advantages is its wide acceptance. For merchants selling globally, PayPal lets you enable multiple payment options in your store — credit cards, bank transfers, and PayPal balance. Rigid buyer and seller protection policies are in place, too.


Authorize.Net is a secure payment gateway that supports credit card and eCheck (ACH) transactions, with features for fraud prevention and recurring billing. The solution is quite popular among e-commerce businesses, online retailers, subscription services and nonprofits.


Square provides a range of payment solutions for ecommerce, including an API for online payments, in-person payments, and point-of-sale systems. It’s also a feasible choice for the retail, hospitality, and service industries, particularly those focusing on in-person transactions.


Owned by PayPal, Braintree offers a payment SDK with support for credit/debit cards, PayPal, Venmo, and other digital wallets. It’s the top choice for businesses with a high priority for mobile in-app payments and mobile commerce.


2Checkout (now Verifone) is a global payment gateway that supports multiple payment methods, including credit/debit cards and alternative payment options. It stands out with its extensive support for international payments, letting you accept payments in multiple currencies and languages.


Worldpay offers a variety of payment processing solutions for e-commerce, including online payments, in-store payments, and omnichannel payment integration. You will find advanced fraud detection and prevention tools, PCI compliance, and secure payment processing infrastructure.


Adyen is a global payment company that provides a unified platform for accepting payments across online, mobile, and in-store channels. A wide range of payment methods is supported, too. Among its advanced features are revenue optimization tools, dynamic routing, and risk management. You can optimize payment acceptance rates, reduce processing costs, and mitigate fraud risks. 

Amazon Pay

Amazon Pay is a payment gateway integration provided by Amazon, allowing customers to use their existing Amazon accounts to make purchases on third-party websites and applications. 

Shopify Payments

Shopify Payments is a built-in payment gateway for Shopify users. It provides built-in fraud detection tools, PCI compliance, and secure payment processing infrastructure.

How Do I Choose the Best Payment Gateway?

Choosing payment gateway, consider security, transaction fees, support, integration method, scalability, user experience and compatibility.

Choosing the best payment gateway for your store requires some homework. The basic principle involves understanding your business needs, technical infrastructure, and priorities. Here's a quick checklist to help you get started. 

  1. Define your business model, target market, and sales volume. 
  2. Determine the types of payments you'll be accepting (e.g., credit cards, digital wallets, international payments).
  3. List any specific features you need (e.g., recurring billing, subscription management, fraud protection).
  4. Prioritize factors such as transaction fees, setup costs, and contract terms.
  5. Research solutions and check compatibility with your e-commerce platform or POS system.
  6. Evaluate security and compliance: encryption, tokenization, and PCI compliance. Best payment gateways provide it, yet double-checking never hurts.
  7. Asses features and if customization is needed: one-click payments, guest checkout options, and mobile responsiveness.
  8. Assess integration: DIY or payment gateway integration service from an e-commerce development provider. The last option is a common choice for businesses having no technical team or if customization is required. 
  9. Test the payment gateway's functionality, performance, and reliability. Free trials or demos are the go-to choice. 
  10.  Plan for scalability and choose a payment gateway that can scale with your business as it grows.

Why Payment Gateway Integration Matters

In today’s digital world, it’s almost impossible to imagine a non-physical payment alternative. The entire concept of e-commerce builds on online product discovery and payment, too. With global e-commerce sales reaching $5.8 trillion in 2023 (Statista reports), safe and reliable online transactions become more important than ever before.

Market size of payment gateways worldwide shows continuous growth and expected to reach $161 billion in 2032.
Global Payment Gateway Market Expected Revenue. Source

Consumers favor online payments, leaving traditional cash and cards behind. In 2023, mobile wallets accounted for roughly half of global e-commerce payment transactions, meaning the digital wallet is the top choice for paying online. For businesses, ignoring this demand is like losing every second of your customer. So, what are the practical benefits of payment gateway integrations? Basically it all goes to increased sales and better customer service.

For customers, it’s the ability to pay quickly and conveniently when shopping online. For businesses, payment gateways provide an opportunity to 

  • sell more
  • expand customer reach
  • enter global markets 
  • reduce abandoned carts and incomplete purchases ratio
  • streamline financial operations.  

Summing up

Payment gateways allow you to cater to the diverse payment preferences of your customers, whether they use a credit/debit card, digital wallet, bank transfer, or an alternative method. This not only boosts your conversion rates but also significantly reduces the instances of incomplete purchases and abandoned carts, leading to improved business performance.

If you sell globally, with payment gateway integrations, your customers can choose among multiple currencies and payment methods. With payment gateway integrations, you can strengthen your presence in the global markets and make your product or service accessible to more customers.

Integrating a payment gateway into your business strategy is a smart move. Consider NEKLO, as a trusted ecommerce software development provider for adding payment gateways to your store.