We all know the relief of a successful online transaction after a brief delay.
As senders, we feel reassured that no extra amount has been deducted from our account. And as receivers, we are relieved that we have received the payment for our product or service.
When choosing your ecommerce payment gateway, it is essential that it caters to the needs of both you and your customers. After all, a customer can abandon their purchase at any time if they find any feature or service unreliable. This makes it essential that you select the best WordPress payment gateways plugin for your e-commerce website.
In this blog guide, we will cover the following topics related with E-commerce Payment gateway
- Why is choosing the right Payment gateway important?
- Key factors to consider when choosing a Payment gateway
- Best Payment Gateways for WordPress 2025
Let’s get started.
Also Read: 10 Must-Have Plugins for Your WordPress Website in 2024
Why is choosing the right Payment Gateway important?
- Enhances Customer Experience & Trust– A secure and reliable e-commerce payment gateway option builds customers trust in the brand, adding to the e-commerce store’s credibility.
- Increases Conversions– Offering familiar and trusted payment gateways reduces customers abandoning their cart and shopping elsewhere. The right payment gateway smooths the payment for them and makes the process seamless.
- Supports Global Expansion– Payment options that cater to international customers enhances global expansion while building trust.
- Ensures Security & Fraud Protection– Customers trust your e-commerce businesses when it offers a payment gateway that comes with built-in fraud detection, encryption and PCI compliance.
- Affects Cash Flow & Transaction Costs– Selecting the right payment gateway helps save money as it cuts down on hidden charges and unnecessary fees.
What is a Payment Gateway?
A payment gateway is a third-party service or tool you integrate into your website to evaluate and process online payments. It is usually included in the final step of a transaction and is a natural part of the customer experience on your website. A payment gateway captures the payment information of your customers and processes their payment through various instruments like credit cards, debit cards, e-wallets, etc.
More often than not, you are required to set up a merchant account linked with the payment gateway that you integrate with your website. All payments processed by the payment gateway are automatically routed to your merchant account, with a processing fee charged for each transaction.
Simply put, a payment gateway offers a platform for your customers to securely pay you for the products and solutions they buy from you. So every purchase on your online store becomes a three-party transaction between your customer, your payment gateway, and you.
Most existing payment gateways like PayPal, Square, Stripe, and Apple Pay have dedicated integration plugins to help you add them to your website. You can also customize payment gateways to suit your business needs.
Not sure if you need a custom plugin solution? Let our WordPress experts help you decide what’s best!
Key Factors to consider when Choosing a Payment Gateway
When choosing payment gateways for your e-commerce business you must use a WordPress payment gateway that allows you to accept payments via various payment methods like credit cards, UPI, donations, etc. Listed below are the key factors to consider:
- Transaction Fees & Costs– Select the right gateway that has transparent pricing with no hidden charges or extra setup costs.
- Global Availability– Payment gateway that your international customers can also use, ensuring reliability and accessibility.
- Ease of Integration– Select a gateway with easy to use APIs and plugins that enable seamless integration with your website or e-commerce platform.
- Security & Fraud Protection– Avoid using cheaper unreliable gateway, instead choose the one that comes with security and fraud protection features to secure transactions.
- Payout Speed– Consider how fast the gateway can deposit funds into your bank account after a successful transaction.
- Payment Methods Supported– Include payment methods that users most commonly use and are familiar with.
If you’re using WooCommerce, you might also want to explore our list of the Top 7 WooCommerce Payment Plugins for a seamless payment experience.
The Best WordPress Payment Gateway Plugins 2025
There are more than 100 payment gateways available on WordPress. Each of them has its own set of benefits and limitations.
However, there are few globally acknowledged and popular payment gateways that businesses of all sizes have adopted and benefited from. Not only do these gateways offer a secure platform for your customers to complete their transactions, but their transaction fees also are transparent, interfaces are user-centric and payment processing is very fast.
The best and most popular WordPress payment gateways are selected by thousands of online businesses across the world, primarily based on their –
-
- Region-wise availability,
-
- Data security,
-
- Awareness in the customer market,
-
- Transaction or processing fees charged,
-
- PCI compliance,
-
- Degree of integration, and customization offered.
So, to help you decide which payment gateway to select for your online store, here is a list of the best eCommerce payment gateways for WordPress, based on these evaluation criteria.
1. PayPal
PayPal operates in 202 countries and makes it possible for you to accept payments in 25 currencies. Thus the likelihood that this WordPress payment gateway is available in your region is very high. Customers are routed to PayPal’s website to complete the payment transaction and thus will have to leave your website to make the purchase. It charges 2.9% + 0.30 cents as fees per transaction.
As a payment partner, PayPal is known for offering 24×7 account monitoring, advanced encryption, and fraud protection. PayPal is also PCI compliant which makes it a payment gateway of choice for your website customers as they feel assured of a smooth and safe transaction.
Woocommerce PayPal Checkout Payment Gateway is presently the most preferred payment gateway integration plugin. Still, you can also explore PayPal Payments Standard or PayPal Pro and choose the plugin that best suits your needs. This gateway can also be integrated with several other plugins, hence in terms of customizability and integration, PayPal can be at the top of your list when you are looking for a suitable WordPress payment gateway.
2. Stripe
If PayPal is the market leader in the payment gateway segment, then Stripe is most definitely a strong challenger.
Stripe is available for business use in 35+ countries and you can accept payments from your customers in more than 135 currencies.
Stripe charges 2.9% plus 30 cents per successful card charge for online transactions on its platform. For international cards, there is an additional 1.5% fee, and a 1% fee is applied if currency conversion is required. Additionally, Stripe charges 2.7% plus 5 cents per successful card charge for in-person transactions. It’s important to note that Stripe does not have setup fees, monthly fees, or hidden charges, offering a transparent pay-as-you-go pricing structure
Furthermore, you don’t have to set up any separate merchant account to receive your money, which can be automatically transferred to your linked account within 2 days. Stripe is PCI compliant and even offers client-side tokenization if you want to keep the customers on your website while completing the payment.
The WooCommerce Stripe Payment gateway is the most popular plugin extension for this option, but Stripe can also be integrated with several other payment plugins. Some of the pre-built integrations offered by Stripe are AmazonPay, ApplePay, and Venmo.
3. PeachPay
Featured in some of the biggest WordPress/WooCommerce publications, including WPLift, Business Bloomer, WPExplorer & more, PeachPay is a frictionless 1-click checkout solution.
PeachPay’s checkout flow is optimized for first-time users and as easy as one click for repeat users (no matter which site PeachPay is used on initially). Supporting 4 payment methods in 20+ languages, this new and advanced payment solution offers the ultimate checkout experience with a fully customizable, sleek, and simplified checkout window instead of a checkout page.
It is fairly easy to set up and is known to supercharge the WooCommerce checkout experience in minutes. Currently, PeachPay integrates with Stripe, PayPal, WooCommerce Apple Pay, and Google Pay with more integrations coming soon!
PeachPay is PCI compliant through Stripe and Paypal and offers a zero-fraud guarantee. Additionally, support is available with a 24/7 live rep. And the greatest part about PeachPay is that it is free and your transaction fee remains the same.
PeachPay also offers a Basic plan with a 1.0% service fee for Stripe, Square, and PayPal transactions, while the Premium plan eliminates this fee for those payment gateways. Additionally, there is no additional charge for using PeachPay’s payment gateways; the platform takes a cut of the transaction fee from the payment processor without charging extra fees to users.
4. Authorize.Net
Authorize.Net is widely popular. This PCI-certified plugin is available for a $25 monthly fee. Authorize.net charges different fees for different types of transactions based on the payment method and transaction type. For a merchant account plus a gateway: 2.9% plus 30 cents per transaction. For a payment gateway only: 10 cents per transaction plus a 10-cent daily batch fee
But Authorize.Net has superior solutions to back this pricing. You can accept payment from a wide range of payment methods and the plugin also offers an anti-fraud detection suite. If many of your customers return to your website and you accept recurring payments or payments via e-checks, then Authorize.net is the payment gateway for you.
Authorize.net integrates easily with other plugins like Shopify, Magento, Moolah, and Quickbooks. You will need a merchant bank account to automatically receive payments from Authorize.net and you can completely customize the design as well as the payment location of the plugin.
If your website runs on WooCommerce, use the Authorize.net integration plugin.
5. 2Checkout (now Verifone)
The fact that 2Checkout can process payments from PayPal along with standard credit card and debit card options, makes it a flexible choice. 2Checkout is level 1 PCI compliant and offers all the standard security as well as anti-fraud arrangements to its users.
A separate merchant account is needed to accept payments through this gateway. Regional availability of 2Checkout is unparalleled with over 200 markets covered, 87 currency options, and the payment gateway interface customizable in 15 different languages.
Verifone charges fees per successful sale, with rates varying depending on the seller’s country, industry, and business model. The transaction fees typically range from 2.4% to 3.9% plus 30 cents to 45 cents per transaction. Additionally, for home currency conversion, an average fee of 2% to 5% is billed on top of the daily bank exchange rate. Users processing over $50,000 monthly may contact Verifone’s sales team for volume-based pricing
The gateway can be integrated with WooCommerce, Zoho, Shopify, and WPecommerce among many others. You can also manage your pricing plan, and billing schedule, and automate payment withdrawals. 2Checkout was recently acquired by Verifone.
6. Square
As one of the more affordable payment gateways out there Square has a free-to-download WordPress payment plugin that charges no monthly fees. The per-transaction fee of 2.9% + 0.30 cents is at par with other top payment gateways, making it a plugin of choice for small businesses as well as online stores with physical outlets.
Square is PCI level 1 compliant and offers anti-fraud and layered security for users making payments through the platform. Square allows you to accept payments from a wide array of methods, which are then automatically transferred to your linked bank account on the next business day.
However, the regional availability of Square is limited and you can only use it if your business is located in the U.S., Australia, Canada, Japan, or the UK. WooCommerce and WP EasyCart are some of the square-supported WordPress plugins.
7. WooCommerce Payments
Since we are discussing the top WordPress payment plugins for your online store, how can we leave out WooCommerce Payments, specially designed for smooth integration with Woo Stores?
Although this plugin can only be used by US-based merchants, it is still among the top preferred payment plugins by thousands of WooStore owners.
It allows users to collect payments, track cash flow, manage recurring revenue, and handle refunds and disputes directly from their store’s dashboard. This payment solution offers a native checkout experience on WooCommerce stores, enhancing the customer checkout process by allowing them to enter payment information directly on the site without the need to create additional accounts with PayPal or Square.
WP Simple Pay charges an additional 3% fee for transactions processed through the Lite (free) version of WP Simple Pay or with an invalid or expired Pro license. However, if you are using WP Simple Pay Pro with a valid license, there are no extra fees or charges beyond Stripe’s standard pricing
Also Read: 8 best WooComerce Point-of-sale (POS) plugins (Free+Premium)
8. WP Simple Pay
WP Simple Pay is a WordPress plugin designed to facilitate payment processing on websites, offering a user-friendly interface and seamless integration with Stripe. WP Simple Pay provides a straightforward and intuitive design, making it easy for both beginners and experienced users to configure and customize payment forms.
The plugin seamlessly integrates with Stripe, ensuring secure and smooth transactions for both website owners and customers. The plugin allows for the collection of custom data through checkboxes, form fields, dropdowns, etc., enhancing flexibility in payment forms.
WP Simple Pay automates tax calculations based on customer location and enables the recovery of processing fees from users to collect the full net amount. WP Simple Pay offers four pricing plans – Personal, Plus, Professional, and Elite – catering to different business needs and budgets.
WP Simple Pay charges additional fees beyond Stripe’s pricing for transactions processed through the Lite (free) version of WP Simple Pay or with an invalid or expired Pro license. Specifically, there is an additional 3% fee for transactions processed under these conditions. However, if you are using WP Simple Pay Pro with a valid license, there are no extra fees or charges beyond Stripe’s standard pricing.
Understanding different integration methods is key to choosing the right solution. Learn more in our guide on 4 Payment Gateway Integration Methods that you Must Know.
Free Payment Gateway for WordPress – Comparison
| Payment Gateway | Transaction Fees | Supported Payment Methods | WordPress Integration | Support | Notable Features | Limitations |
| PayPal Standard | 2.9% + $0.30 per transaction | PayPal, Credit/Debit Cards | Built-in with WooCommerce | Email, Knowledge Base | Well-established brand. No monthly fees. Express Checkout option. | Redirects customers away from your site. Limited customization |
| Stripe (Free Plan) | 2.9% + $0.30 per transaction | Credit/Debit Cards, Apple Pay, Google Pay | Via free plugin | 24/7 Email, Chat | Stays on your site Highly customizable checkout Developer-friendly | Account approval can be strict Setup more complex than PayPal |
| Square (Free Plan) | 2.9% + $0.30 per transaction | Credit/Debit Cards, Apple Pay, Google Pay | Via free plugin | Email, Phone, Knowledge Base | In-person payment options Good inventory management POS integration | Less international support Limited payment methods |
| Razorpay (Free Plan) | 2% + ₹3 per transaction (India) | Credit/Debit Cards, UPI, Wallets, Banking | Via free plugin | Email, Docs | Popular in India. 100+ payment methods. Good subscription support. | Primarily for Indian market. International payments costly. |
| WooCommerce Payments | 2.9% + $0.30 per transaction | Credit/Debit Cards, Apple Pay, Google Pay | Native integration | WooCommerce support | Built directly into WooCommerce. Manage payments in dashboard. No redirect. | Powered by Stripe, similar limitations. Available in limited countries |
| Mollie (Free Plan) | Varies by payment method | Credit/Debit Cards, PayPal, Regional Methods | Via free plugin | Email, Documentation | Popular in Europe. 20+ payment methods. No monthly fees. | Transaction fees vary widely. European focus |
| PayPal Payments (New) | 2.9% + $0.30 per transaction | PayPal, Credit/Debit Cards, Venmo | Via plugin | Email, Knowledge Base | On-site checkout. PayPal Credit options. Better experience than Standard | Similar fee structure to Standard More complex setup |
Final Thoughts: Which WordPress Payment Gateway will you choose?
The best WooCommerce payment gateway depends on your business needs. Here’s a quick recommendation:
- For global reach: Stripe or 2Checkout
- For ease of use: PayPal or Square
- For WooCommerce-first integration: WooCommerce Payments
- For subscription-based businesses: Authorize.Net or Mollie
- For fast checkout experience: PeachPay
Before making a final decision, analyze transaction fees, customer support, and compatibility with your store.
However, if you realize that you may require some minor customization with the WordPress payment gateway of your choice to fit your needs, our WordPress plugin experts know how to help you!
All you need to do is share a few details about your requirements and one of our plugin experts will get on a 1:1 call with you!
Be sure to subscribe to our newsletter or follow us on LinkedIn or Twitter for more WordPress resources
If you have any questions or other recommendations, so leave us a comment! 🙂
I’ll see you in the next article!
Also Read: How to build a WooCommerce custom payment gateway plugin?
FAQs
Does WordPress offer payment processing?
WordPress itself doesn’t offer built-in payment processing but allows the integration of various payment gateways through plugins to facilitate online transactions.
Which Payment Gateway is best for WordPress?
The best payment gateway for WordPress depends on specific needs, with options like WP Simple Pay, PayPal, and Stripe being popular choices due to reliability and global acceptance.
How much does it cost to integrate a payment gateway on WordPress?
The cost of integrating a payment gateway on WordPress varies, with some plugins offering free versions with essential features while advanced features may require a premium version. Transaction fees charged by providers should also be considered.
What are Direct and Redirect Payment Gateways in WordPress?
Direct Payment Gateways allow customers to complete transactions directly on the website, while Redirect Payment Gateways redirect customers to a secure external portal for payments, each offering different levels of security and user experience.
What is the best WordPress Payment Gateway for Indian businesses?
Although not mentioned in the list, the best WordPress payment gateway for Indian businesses is Razorpay.
How do you integrate a payment gateway with WordPress?
This article can help you with integrating payment gateways to WordPress.
One Response
Thanks for sharing which payment gateway is best for indian payments.