Top Payment Gateways To Power Your eCommerce Business Startup

A payment gateway is an e-commerce application that authorizes credit cards, debit cards and other online payment types for e-businesses, online retailers, bricks and clicks, and also for traditional brick and mortar stores. It facilitates the transfer of information between a payment portal (such as an eCommerce website, app, mobile phone or interactive voice response service) and the Front End Processor or acquiring bank.

If you are planning to startup an eCommerce website or marketplace, you will need to setup a payment gateway (until you use COD i.e. cash on delivery as only payment method) in order to enable transactions on your website and accept payment from your customers.

Unlike to Quick Shopping Cart at that comes bundled with payment gateway and all online store functions, other applications such as Open Cart, PrestaShop, TomatoCart, ZenCart, Magento and CMSs require integration of some third party payment gateways.

A good payment gateway provides easy yet powerful integration on a website, takes less time and effort to setup, has a user-friendly interface, provides multiple payment options such as all major credit cards, debit cards, net-banking, online wallets etc.

Keeping these qualities in mind we have handpicked some of the best, reliable payment gateway methods you may use to startup your eCommerce website and start earning online.

Best International Payment Gateways

In this age of Internet, the majority of payment processing gateways and systems provide support for international payments processing. And your selection for a payment gateway should depend on your present processing volume, prior processing history, your location on planet earth and the nature of business.


There are tons of Payment Gateway options available for International use. Most popular ones are Stripe, PayPal, 2Checkout,, Braintree, Paymill and still there are even more.

If your processing volume is not very high then payment mechanism such as Stripe or PayPal would be the best for you.  But if you are processing high volume then you must go for a flexible payment solution i.e. a payment gateway.

All payment gateway solutions comes bundled with different models to serve you and your customers online. They provides you various features to manage your customers with ease, manage finance, accounts, connect your bank account and receive the payouts etc.

Best Payment Gateways In India; Fastest Growing eCommerce Market


It is the leading payment gateway that provides multiple currency processing to enable you to go global, deliver localized buying experience and avoid conversion disputes. It has maximum payment options including:

  1. 9 Bank EMI
  2. 6 ATM Cards
  3. 6 Credit Cards
  4. 44 Bank’s IMPS
  5. 98+ Debit Cards
  6. 53+ Net Banking
  7. 12 Prepaid Instruments

Pricing: It allows you to choose a pricing plan that suits your business. You may either go for its Startup Pro plan that has zero setup fees or use privilege plan costing Rs. 30,000 INR setup fees. Transaction fees starts from (1.99% to 2.99%) + Rs.3.00.


Don’t get confused between PayUBiz and PayUMoney. They are two different products from the same company. Here we are discussing about PayUbiz that focuses on enterprises and is used by many popular online stores and marketplaces such as pepperfry, snapdeal etc whereas PayUMoney provides wallet services for online consumers, its setup and maintenance fee is zero and charges 2% transaction fee.

Pricing: PayUBiz plans starts from Rs. 4900 INR to Rs. 29000 INR whereas transaction fees is taken on the basis of subscribed plan which floats between 2.20% to 3.90%.


It also provides solution both for merchants and consumers. It is growing aggressively in India and despite being a new born startup, it has acquired a strong user base of 800 million. However some of its users have reported a few issues with the company such as their response rate is slow, they charge high maintenance fee, documentation is not easy for non-technical users to understand but the sources say they have significantly updated their system and it is much better now.

Pricing: Their setup fee is zero but charges Rs. 4900 INR as maintenance fee. Transaction fee ranges from 1.99% + Rs.3.

Best Payment Gateways In USA


Authorize.Net is a payment gateway service provider in US allowing merchants to accept credit card and electronic check payments through their website and over an IP (Internet Protocol) connection. It was was founded in 1996, in Utah, by Jeff Knowles.

Now it is being used by 400,000+ merchants worldwide for accepting online payments through credit cards and electronic checks. It charges $49 as setup fees and $29 as monthly gateway fees. It can be easily integrated with various shopping carts and is considered as a good match for Magento and similar online store applications.

First Data Corporation

First Data Corporation is a global payment technology solutions company headquartered in Atlanta, Georgia, United States. The company’s STAR interbank network offers PIN-secured debit acceptance at ATM and retail locations.

First Data has a global footprint of 6 million merchants, the largest in the payments industry. The company handles 45% of all US credit and debit transactions, including handling prepaid gift card processing for many US brands such as Starbucks. It processes over $1 trillion in card transactions annually, with an 80% market share in gas and groceries. First Data has also provided shopping metrics for national news networks such as USA Today, ESPN, The New York Times and Vox.

It is providing transaction processing services since 1998 in US and global markets. Includes authorization for credit card, debit card, gift card, and other prepaid card offerings. However, the payment gateway has a pretty transition fees, so good only for those who are ready to invest.

Another popular international payment platform allowing enterprises to accept online and mobile payments from buyers worldwide using localized payment options. Capabilities include a pre-integrated payments gateway, merchant account, PCI compliance, international fraud prevention, and integration with more than 100 shopping carts.

They asks you to pay only 2.9% + 30¢ per successful transaction, there are no monthly charges and setup fee. offers online shopping cart and electronic check services, accepts mobile payments and more charging .25%-1% + $0.25 per transaction. You should know that for terminating your services you will have to pay $400, prior to the expiration of your services by service agreement with this payment gateway provider.


BluePay is a successful provider of technology-enabled payment processing for merchants and suppliers of any size in the United States and Canada. Through physical POS, online, and mobile interfaces, as well as CRM and ERP software integrations.

It processes both business-to-consumer and business-to-business payments while providing real-time settlement, reporting, and reconciliation, along with robust security features such as tokenization and point-to-point encryption; charging $15 monthly service fees.


Provider of small business merchant accounts, mobile payments, electronic payments, and ACH processing services. The basic plan starts from $34.95/month.

FastCharge Payment Gateway

FastCharge Payment Gateway offers Credit Card Processing and Mobile Payment Processing. It also has a recurring billing module, the feature is free and works with thousands of eCommerce shopping carts. It doesn’t asks you to pay any setup fee, what it only requires is a nominal $10 as monthly gateway fee.


An ideal payment gateway solution for merchants, accepting payments from bank cards such like American Express and VISA etc. It provides free connection of its payment gateway to your eCommerce web-service and takes commissions based on your monthly turnover.


PayPal Holdings, Inc. is an American company operating a worldwide online payments system. It is one of the world’s largest Internet payment companies, operates as an acquirer, performing payment processing for online vendors, auction sites and other commercial users, for which it charges some fee.

Although it is free to use for buyers but store owners requires to pay some transition fees of 3.4% + $0.30 USD, when using PayPal for credit card payments. It does not require any setup fees, gateway fees, or any monthly charges.

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