Best Payment Gateway Software

Stripe is a payment processing platform that lets businesses accept credit cards, debit cards, and dozens of other payment methods online, in person, and across borders through a single API. It is used by companies ranging from small online stores to large public companies, combining a checkout and billing product suite with tools for fraud prevention, tax calculation, and marketplace payouts.

Beyond core payments, Stripe offers Connect for platforms and marketplaces, Radar for machine learning fraud detection, Terminal for in-person card readers, and Billing for subscription management. Pricing is pay as you go with no monthly fee for standard accounts, and large businesses can negotiate custom volume-based rates.

Authorize.Net is a payment gateway that lets businesses accept credit cards, debit cards, and eChecks online, over the phone, and in person through a virtual terminal. It is one of the longer-established gateways in the US market and is commonly paired with a separate merchant account or bundled with one through its All-in-One plan.

Authorize.Net charges a flat monthly gateway fee plus per-transaction fees that vary by plan, and offers recurring billing, a Customer Information Manager for storing payment profiles, digital invoicing, and an Advanced Fraud Detection Suite with more than 200 configurable rules. It integrates with many shopping carts and ecommerce platforms and provides 24/7 support.

Worldpay is a global payment processing provider that handles card, ACH, mobile, and in-store transactions across more than 140 countries and over 300 local payment methods. It serves small businesses through enterprise merchants with tools for accepting payments, fraud protection, payout and multi-currency management, and embedding payments into software platforms and marketplaces.

As of January 2026, ownership of Worldpay changed: Global Payments completed its acquisition of Worldpay, while FIS sold its stake in Worldpay and instead acquired Global Payments' issuer solutions business. Worldpay no longer publishes standard pricing; rates are quoted per merchant based on volume, industry, and risk, typically using interchange-plus pricing.

Adyen is a global payments platform built for large and fast-growing enterprises that need to accept payments across online, in-store, and mobile channels through a single unified system. It supports more than 100 payment methods worldwide, including cards, digital wallets, bank transfers, and buy now pay later options, with local acquiring in dozens of countries.

Adyen uses transparent interchange-plus pricing rather than flat blended rates, charging a small fixed processing fee plus the underlying card scheme costs and its own markup, with no published flat-rate plans. The platform also includes Adyen for Platforms for marketplaces, real-time risk and fraud management, and unified reporting that connects online and in-person sales data.

2Checkout, now operating under Verifone, is a merchant of record platform that lets businesses sell physical and digital goods, subscriptions, and SaaS products in over 200 countries. It handles global tax and VAT compliance, fraud protection, and supports 45+ payment methods and 100+ currencies with checkout available in 30+ languages.

The platform is offered in tiered packages: 2Sell for basic global payments, 2Subscribe which adds subscription billing and churn management, and 2Monetize which includes tax compliance and advanced analytics for digital goods, plus a custom Enterprise tier. Pricing is transaction-based with no credit card required to start, making it geared toward SaaS, software, and digital commerce businesses of varying sizes.

Razorpay is an Indian payment gateway and financial services platform that lets businesses accept payments through more than 100 methods, including UPI, cards, netbanking, wallets, and EMI. Its Standard plan has no setup or maintenance fees and charges a 2% platform fee on domestic transactions, while an Enterprise plan offers custom pricing with a dedicated account manager for large-volume businesses.

Beyond the payment gateway, Razorpay offers RazorpayX for business banking and payouts, RazorpayX Payroll, and tools like Payment Links, Route for split payments, and Smart Collect. It targets startups, SMEs, and enterprises in India needing an all-in-one payments and banking stack, with additional products for international payments and virtual multi-currency accounts.

Braintree is a payment gateway owned by PayPal that gives developers a single integration to accept credit and debit cards, PayPal, Venmo, and other digital wallets across web and mobile apps. It is aimed at established businesses and enterprises that need flexible, developer-friendly payment infrastructure with strong fraud tools.

Standard Braintree transactions are priced per transaction with no monthly fee, and separate rates apply to Venmo payments and ACH direct debit. The platform includes recurring billing for subscriptions, Kount-powered fraud protection, support for over 130 currencies, and SDKs for major mobile and web frameworks, and is PCI DSS Level 1 compliant.

Checkout.com is a global payments platform for digital businesses that provides card and alternative payment method processing, local acquiring in more than 50 countries, and support for over 150 currencies. It is aimed at mid-sized and large online businesses, marketplaces, and platforms that need direct access to card networks.

Checkout.com does not publish flat pricing tiers; instead it negotiates fully flat-rate or interchange-plus pricing per merchant based on business profile and risk, with no setup or monthly account fees. The platform includes Flow, a customizable embedded checkout UI, and Intelligent Acceptance, an AI-driven system designed to improve payment approval rates, and it offers free processing to registered charities.