Best Payment Gateway Software

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.

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.

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.

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.

Cybersource is a payment platform and fraud management service owned by Visa, providing global payment processing, tokenisation and risk decisioning for merchants operating across multiple markets.

Pairing payments with fraud management in one platform is the structural position and it reflects how the two are actually connected. A fraud decision is made in the moment a transaction is authorised, and a system that sees both the payment and the risk signal can decline, challenge or accept in one step. Merchants running separate processing and fraud vendors have to pass data between them within the authorisation window, which constrains how sophisticated the decision can be.

Visa ownership matters for a reason that is easy to overlook. Fraud detection improves with the breadth of data behind it, and a card network sees transaction patterns across an enormous merchant population rather than only within one merchant's own history. A first-time customer at one retailer is not a first-time card user globally, and that difference is precisely what separates a good risk model from a naive one.

Global reach is the other reason large merchants choose a platform of this type. Selling across markets means local acquiring, local payment methods, multiple currencies and different regulatory regimes for strong customer authentication, and consolidating that onto one platform avoids running a separate integration per country. Cybersource publishes developer material for direct integration. Pricing is not published and is negotiated per merchant on volume, geography and services.

PayU is a payment gateway for Indian businesses, offering an all-in-one solution for checkout, payments and return-to-origin handling, with products aimed at direct-to-consumer and ecommerce sellers and a startup programme for early-stage founders.

Return to origin is a distinctly Indian problem and its prominence in the product tells you a great deal about the market. Cash on delivery remains a large share of Indian ecommerce, and an order placed without payment can be refused at the door, sending the parcel back at the seller's cost with the goods out of stock for the round trip. RTO prediction attempts to score which orders are likely to be refused so a seller can require prepayment, offer an incentive, or decline the order.

WhatsApp commerce is the other market-specific capability. WhatsApp is the default communication channel for Indian consumers and small businesses alike, so collecting payment inside a WhatsApp conversation removes the step where a customer must be moved to a website they may abandon.

The breadth of Indian payment methods is what a domestic gateway provides over an international one. UPI, netbanking across a long tail of banks, domestic card networks, wallets and EMI options all matter, and a checkout missing the method a customer prefers loses the sale outright. PayU positions itself as more than a payments partner, adding money management, business insights and easy integration, with a startup programme supporting founders. Pricing is not published and follows the usual gateway pattern of per-transaction rates negotiated by volume and method.