The Best Payment Gateways in 2026
The best payment gateways were researched from official websites, including pricing pages, plan tables and product documentation. They are ranked on their core job, value for money and verified features, so buyers can compare payment acceptance, recurring billing, marketplace support and settlement capabilities in the payment gateway category.
Our top picks
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Top ranked
Stripe Payments#1 of 669.3/10Broad payment coverage for businesses selling online, in person, or through marketplaces.
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Runner-up
Adyen#2 of 669.2/10A broad payment platform for businesses managing online, mobile, and marketplace flows.
From $0.13
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Top-ranked free plan
PayPal for Business#3 of 669.1/10A flexible PayPal checkout option with payment tools for online, in-person, and mobile sales.
Free plan
Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.
The full ranking 66 tools, best first · page 1 of 2
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Best forBusinesses needing broad payment coverage
Broad payment coverage for businesses selling online, in person, or through marketplaces.
- Marketplace payments
- Recurring payments
9.3/10★★★★★Visit Stripe -
Best forGlobal enterprises and marketplaces
A broad payment platform for businesses managing online, mobile, and marketplace flows.
- Marketplace payments
- Recurring payments
9.2/10★★★★★Visit Adyen -
Best forBusinesses wanting PayPal checkout across sales channels
A flexible PayPal checkout option with payment tools for online, in-person, and mobile sales.
- Marketplace payments
- Recurring payments
9.1/10★★★★★Visit PayPal -
Best forLarge merchants needing acquiring depth
A broad payments platform for merchants managing acquiring and complex payment flows.
- Marketplace payments
- Recurring payments
9.0/10★★★★☆Visit Checkout.com -
Best forBusinesses wanting PayPal and global reach
Broad payment acceptance with checkout tools, recurring billing, and marketplace support.
- Marketplace payments
- Recurring payments
8.9/10★★★★☆Visit PayPal -
Best forBusinesses wanting PayPal in one integration
A flexible PayPal-owned gateway for businesses integrating online and mobile payments.
- Marketplace payments
- Recurring payments
8.8/10★★★★☆Visit Braintree -
Best forEuropean businesses and marketplaces
A flexible payment gateway for European sellers, marketplaces and recurring payments.
- Marketplace payments
- Recurring payments
8.7/10★★★★☆Visit Mollie -
Best forOmnichannel and multi-processor businesses
A multi-channel gateway for businesses that need processor choice and embedded payment tools.
- Marketplace payments
- Recurring payments
8.6/10★★★★☆Visit NMI -
Best forIndian businesses and marketplaces
A pay-as-you-go gateway for online payments, recurring billing, and marketplace payouts.
- Marketplace payments
- Recurring payments
8.5/10★★★★☆Visit Razorpay -
Best forEnterprise merchants needing processor reach
Broad processor reach and payment options, with pricing handled through sales.
- Marketplace payments
- Recurring payments
8.4/10★★★★☆Visit Cybersource -
Best forEstablished omnichannel merchants
A broad payment platform for merchants that need online and in-person acceptance.
- Marketplace payments
- Recurring payments
8.3/10★★★★☆Try Global Payments -
Best forAfrican businesses and platforms
A multi-channel gateway for African businesses, with APIs, subscriptions and marketplace payments.
- Marketplace payments
- Recurring payments
8.2/10★★★★☆Visit Paystack -
Best forSoutheast Asian platforms and marketplaces
A Southeast Asia-focused gateway combining local payment acceptance, billing, payouts, and marketplace flows.
- Marketplace payments
- Recurring payments
8.1/10★★★★☆Visit Xendit -
Best forIndian businesses needing varied payment methods
Broad payment coverage for Indian businesses, with checkout, billing and marketplace tools.
- Marketplace payments
- Recurring payments
8.0/10★★★★☆Visit PayU -
Best forGlobal subscription and marketplace businesses
A broad payments stack for businesses handling subscriptions, marketplaces and international sales.
- Marketplace payments
- Recurring payments
7.9/10★★★★☆Visit BlueSnap -
Best forIndian businesses using UPI and Paytm channels
A broad payment stack for Indian businesses using UPI, Paytm and multiple checkout channels.
- Marketplace payments
- Recurring payments
7.8/10★★★★☆Visit Paytm -
Best forEstablished merchants needing traditional gateway tools
A broad payment toolkit for established merchants, with a $25 monthly entry price.
- Recurring payments
7.7/10★★★★☆Visit Authorize.net -
Best forDevelopers needing PayPal-backed gateway APIs
A broad PayPal-backed gateway for developers building online and mobile payments.
- Marketplace payments
- Recurring payments
7.6/10★★★★☆Try PayPal Braintree -
Best forEuropean merchants selling online and in person
A flexible gateway for European merchants combining checkout, in-person payments and marketplace tools.
- Marketplace payments
- Recurring payments
7.6/10★★★★☆Visit Viva.com -
Best forSmall businesses taking web and recurring payments
A flexible gateway for businesses taking online, phone, and recurring payments.
- Recurring payments
7.6/10★★★★☆Visit Elavon -
Best forIndian merchants needing local payment breadth
Broad payment coverage with hosted checkout, recurring payments and transaction tools.
- Recurring payments
7.6/10★★★★☆Visit CCAvenue -
Best forBusinesses operating across Southeast Asia
A regional payment platform spanning online, mobile and offline channels.
- Marketplace payments
- Recurring payments
7.5/10★★★★☆Visit 2C2P -
Best forEuropean omnichannel merchants
A broad payment gateway for merchants handling online, mobile and in-person payments.
- Recurring payments
7.4/10★★★★☆Visit Computop -
Best forIndonesian online merchants
Indonesian merchants get local payment options, recurring billing, and fraud controls, with IDR processing.
- Recurring payments
7.3/10★★★★☆Visit Midtrans -
Best forEuropean ecommerce businesses
A configurable payment gateway for European commerce, from hosted checkout to API integrations.
- Marketplace payments
- Recurring payments
7.0/10★★★★☆Visit PAYONE -
Best forLarge merchants routing payments across acquirers
A routing-focused gateway for merchants and intermediaries managing complex payment flows.
- Recurring payments
6.8/10★★★☆☆Contact ACI Sales -
Best forSpanish merchants needing orchestration
A Spanish-focused gateway combining orchestration, local methods, checkout, and marketplace payments.
- Marketplace payments
- Recurring payments
6.7/10★★★☆☆Visit MONEI -
Best forGlobal businesses needing routing and retries
A global gateway with broad payment choice, routing and retries, sold through contact-led pricing.
- Marketplace payments
6.6/10★★★☆☆Contact PayU -
Best forIndian businesses that need fast settlements
A broad payment gateway with fast settlement options and flexible checkout integrations.
- Marketplace payments
- Recurring payments
6.5/10★★★☆☆Visit Cashfree -
Best forTeams needing highly customized checkout UI
A strong fit for teams that need branded, highly tailored payment flows.
- Marketplace payments
- Recurring payments
6.4/10★★★☆☆Try Stripe Elements -
Best forSmaller merchants routing payments through Amex
A focused gateway for merchants accepting Amex, with checkout, routing and recurring payments.
- Recurring payments
6.3/10★★★☆☆Visit site -
Best forIndian businesses needing split settlement and refunds
A flexible gateway for Indian businesses that need refunds and marketplace settlements.
- Marketplace payments
- Recurring payments
6.2/10★★★☆☆Visit Easebuzz -
Best forIndonesian ecommerce and platforms
A payment gateway for Indonesian businesses needing local methods, checkout options, and payouts.
- Marketplace payments
- Recurring payments
6.1/10★★★☆☆Visit DOKU -
Best forMENA merchants needing regional payment methods
A regional gateway with recurring billing, tokenization, mobile SDKs and payout tools.
- Recurring payments
6.0/10★★★☆☆Visit HyperPay -
Best forHong Kong merchants needing local wallets and commerce
A Hong Kong gateway for merchants combining online checkout, payment links and POS acceptance.
5.9/10★★★☆☆Visit Payment Asia -
Best forStartups wanting a free gateway platform
A free gateway platform with checkout, billing, marketplace, and fraud tools.
- Marketplace payments
- Recurring payments
5.8/10★★★☆☆Visit Nummuspay -
Best forMerchants collecting one-off payments by shareable link
A focused way to collect one-off payments through shareable links and QR codes.
5.7/10★★★☆☆Visit PayTabs -
Best forMerchants adding Google Pay as a checkout option
A consumer wallet and payment service, not a broad merchant gateway.
5.6/10★★★☆☆Visit Google Pay -
Best forBusinesses accepting many cryptocurrencies
A crypto-focused gateway for accepting, converting, and distributing digital assets.
- Marketplace payments
- Recurring payments
5.5/10★★★☆☆Visit NOWPayments -
Best forMerchants needing hosted global checkout
A flexible gateway for merchants that need hosted checkout, recurring payments and marketplace payouts.
- Marketplace payments
- Recurring payments
5.4/10★★★☆☆Visit Worldpay -
Best forEuropean merchants needing many payment methods
A broad European payment gateway with strong method coverage and marketplace tools.
- Marketplace payments
- Recurring payments
5.3/10★★★☆☆Visit Unzer -
Best forSmall and midsize Central European merchants
A flexible gateway for Central European merchants, with several checkout modes and local methods.
- Recurring payments
5.2/10★★★☆☆Visit Comgate -
Best forSmall Indian sellers wanting a free starting plan
A free starting point for Indian sellers, with paid tools for stores and integrations.
- Marketplace payments
5.1/10★★★☆☆Visit Instamojo -
Best forAfrican merchants using local payment methods
A multi-channel gateway for African merchants accepting cards, transfers and mobile money.
- Recurring payments
5.0/10★★☆☆☆Visit DPO Pay -
Best forIndian merchants needing UPI and international cards
A payment gateway for Indian merchants combining UPI flows with international card acceptance.
- Recurring payments
4.9/10★★☆☆☆Visit Pay10 -
Best forEuropean users needing transfers and a payment API
A transfer-focused account with SEPA Instant, currency exchange and payment API tools.
4.8/10★★☆☆☆Visit Paysera -
Best forIndian merchants needing basic gateway tools
A transaction-focused gateway for Indian businesses with checkout, links, APIs and plugins.
4.7/10★★☆☆☆Visit PayKun -
Best forIndian businesses collecting international payments
International collections, multi-currency accounts and remittance documentation for Indian businesses.
- Marketplace payments
- Recurring payments
4.6/10★★☆☆☆Visit PayGlocal -
Best forJapanese merchants needing many payment methods
A broad payment-method mix and multiple connection options, with pricing handled through sales.
- Recurring payments
4.5/10★★☆☆☆Contact GMO -
Best forBusinesses needing API-based recurring and marketplace
API-focused gateway for recurring, multi-currency, marketplace, and fraud-managed payments.
- Marketplace payments
- Recurring payments
4.4/10★★☆☆☆Visit TransactWorld
No tools match those filters.
Compare at a glance
| # | Tool | Free plan | Paid from | Payment methods | Supported currencies | Recurring payments | Marketplace payments | Score |
|---|---|---|---|---|---|---|---|---|
| 1 | Stripe Payments | No | Cards, wallets, bank debits, bank transfers, buy now pay later, local payment methods, and stablecoins | 135 | Yes | Yes | 9.3 | |
| 2 | Adyen | No | ACH Direct Debit, Afterpay, Alipay, American Express, Apple Pay, Bancontact, Blik, Carte Bancaire, China UnionPay, Clearpay, Diners, Discover, eftpos Australia, Girocard, Google Pay, iDEAL, JCB, Klarna, Maestro, Mastercard, MB Way, MobilePay, Multibanco, online banking, open banking, PayPal, PayTo, Trustly, TWINT, Vipps, Visa, WeChat Pay | 136 | Yes | Yes | 9.2 | |
| 3 | PayPal for Business | Yes | PayPal, Venmo, Pay Later, credit and debit cards, digital wallets, bank transfers, vouchers, Apple Pay, Google Pay | 130 | Yes | Yes | 9.1 | |
| 4 | Checkout.com | No | major card schemes; direct debit; voucher payment schemes; digital wallets; bank transfers | Yes | Yes | 9.0 | ||
| 5 | PayPal Payments | Yes | PayPal, Venmo, credit and debit cards, digital wallets, bank transfers, vouchers, buy now pay later, cryptocurrency | Yes | Yes | 8.9 | ||
| 6 | Braintree | Cards, PayPal, Venmo, Apple Pay, Google Pay, ACH Direct Debit, local payment methods, bank transfers, vouchers, and buy now, pay later methods | Yes | Yes | 8.8 | |||
| 7 | Mollie | No | €20/mo | Credit/debit cards; BANCOMAT Pay; Bancontact; Belfius Pay Button; Bizum; BLIK; EPS; iDEAL; KBC Payment Button; MB Way; Multibanco; MyBank; Pay by Bank; Przelewy24; Satispay; SEPA Bank Transfer; TWINT; SEPA Direct Debit; Alma; Billie; in3; Klarna; Riverty; gift cards; paysafecard; vouchers; Apple Pay; Google Pay; PayPal; point of sale | 28 | Yes | Yes | 8.7 |
| 8 | NMI | Visa, Mastercard, Discover, American Express, Diners Club, China UnionPay, JCB, Apple Pay, Google Pay, ACH and bank transfers | Yes | Yes | 8.6 | |||
| 9 | Razorpay Payment Gateway | No | Cards; UPI; Cardless EMI; EMI; Netbanking; Wallets; Pay Later; Credit Card on UPI | Yes | Yes | 8.5 | ||
| 10 | Cybersource | Credit cards; debit cards; digital wallets; eWallets; bank transfers; direct debits; installment payments; cash | Yes | Yes | 8.4 | |||
| 11 | Global Payments | No | Credit cards, debit cards, American Express, Discover, Mastercard, Visa, Apple Pay, Google Pay, EFT/ACH, eCheck, alternative and local payment methods | 130 | Yes | Yes | 8.3 | |
| 12 | Paystack | cards, bank accounts, bank transfers, USSD, Apple Pay, Google Pay, Visa QR, mobile money, POS | 6 | Yes | Yes | 8.2 | ||
| 13 | Xendit | Cards, virtual accounts, bank transfers, e-wallets, QR codes, direct debit, retail outlets, online installments | Yes | Yes | 8.1 | |||
| 14 | PayU | No | Cards, UPI, net banking, wallets, EMI, BNPL, QR and payment links | Yes | Yes | 8.0 | ||
| 15 | BlueSnap | No | Cards, Apple Pay, Google Pay, PayPal, ACH/ECP, BECS Direct Debit, Pre-Authorized Debit, SEPA Direct Debit, Splitit | 100 | Yes | Yes | 7.9 | |
| 16 | Paytm Payment Gateway | No | Cards, UPI, net banking, Paytm Bank Wallet, Paytm Postpaid, EMI, bank transfer and gift vouchers | Yes | Yes | 7.8 | ||
| 17 | Authorize.net | No | $25/mo | Visa, Mastercard, Discover, American Express, JCB, Diners Club, eCheck, Apple Pay, Google Pay, PayPal | Yes | 7.7 | ||
| 18 | PayPal Braintree | No | $0.29/unit usage-based | cards, PayPal, Venmo, ACH Direct Debit, Apple Pay, Google Pay, local payment methods | 130 | Yes | Yes | 7.6 |
| 19 | Viva.com | No | £3.99/mo | Cards, digital wallets, local payment methods, direct debit and other payment methods | 8 | Yes | Yes | 7.6 |
| 20 | Elavon Converge | Debit cards, credit cards, electronic checks, PayPal, Apple Pay, Visa Checkout, Masterpass | Yes | 7.6 | ||||
| 21 | CCAvenue | No | Credit cards; debit cards; net banking; UPI; prepaid instruments and wallets; bank EMI; mobile payments; cash cards | 27 | Yes | 7.6 | ||
| 22 | 2C2P | Cards, digital wallets, bank transfers, QR payments, over-the-counter payments, instalments, buy now pay later | Yes | Yes | 7.5 | |||
| 23 | Computop Paygate | Credit and debit cards, PayPal, Apple Pay, Google Pay, Amazon Pay, Klarna, SEPA Direct Debit, iDEAL, girocard, eps, TWINT, Wero, Przelewy24, paysafecard and bank transfers | Yes | 7.4 | ||||
| 24 | Midtrans | No | bank transfer, e-wallets, credit/debit cards, QRIS, over-the-counter, cardless credit, direct debit | 1 | Yes | 7.3 | ||
| 25 | PAYONE | No | Visa, Mastercard, American Express, JCB, eps, iDEAL, Przelewy24, Sofort, PostFinance, PayPal, Alipay, Bancontact, WeChat Pay, SEPA direct debit | Yes | Yes | 7.0 | ||
| 26 | ACI Pay.ON | Cards, digital wallets, alternative payment methods | Yes | 6.8 | ||||
| 27 | MONEI | No | Cards, Click to Pay, Apple Pay, Google Pay, PayPal, Bancontact, Bizum, MB WAY, Multibanco, MONEI Flex | 9 | Yes | Yes | 6.7 | |
| 28 | PayU Global Payment Solutions | No | Hundreds of local and global methods, including cards, bank transfers, digital wallets, and local payment options | 20 | Yes | 6.6 | ||
| 29 | Cashfree Payment Gateway | UPI, cards, net banking, wallets, EMI, BNPL, Pay Later, international cards, PayPal | 140 | Yes | Yes | 6.5 | ||
| 30 | Stripe Elements | No | Cards, ACH Debit, Google Pay, Afterpay/Clearpay, Affirm, iDEAL, Alipay, Klarna, Apple Pay, Konbini, Amazon Pay, BECS Direct Debit, OXXO, Bancontact, Przelewy24, Boleto, SEPA Direct Debit, EPS, Bacs Direct Debit, MobilePay | 135 | Yes | Yes | 6.4 | |
| 31 | American Express Payment Gateway | No | $20/mo | American Express, Mastercard, Visa, Diners Club, Discover, JCB, PayPal, Maestro | 120 | Yes | 6.3 | |
| 32 | Easebuzz Payment Gateway | Cards, UPI, wallets, net banking, EMI, BNPL; international options subject to approval | 30 | Yes | Yes | 6.2 | ||
| 33 | DOKU | No | Cards; bank transfer/virtual account; e-wallets; QR payments; convenience stores; PayLater; direct debit; digital banking; internet banking | 2 | Yes | Yes | 6.1 | |
| 34 | HyperPay | Visa, MasterCard, PayPal, OneCard, CashU, PaySafeCard, AMEX, SADAD | Yes | 6.0 | ||||
| 35 | Payment Asia Online Payment Solution | No | Credit cards (Visa, Mastercard, JCB, UnionPay), Alipay, WeChat Pay, FPS, PayMe, Octopus, Apple Pay, Google Pay, UnionPay QR / BoC Pay+ | 5.9 | ||||
| 36 | Nummuspay | Yes | PayPal, Apple Pay, Visa Checkout, Masterpass, Alipay, Boleto Bancário, Giropay, iDEAL, Paysafecard, SEPA, Skrill, Nets, Sofort, WebMoney, ACH, eCheck, bank transfer, wire transfer, credit and debit cards | Yes | Yes | 5.8 | ||
| 37 | PayTabs Payment Links | No | broad | 5.7 | ||||
| 38 | Google Pay | Yes | Free | 5.6 | ||||
| 39 | NOWPayments | No | Cryptocurrency payments; fiat payments through supported providers, including credit card and bank transfer via Banxa | 350 | Yes | Yes | 5.5 | |
| 40 | Worldpay Online Payments | No | Visa, Mastercard, American Express, Apple Pay, Google Pay, digital wallets, alternative and local payment methods | Yes | Yes | 5.4 | ||
| 41 | Unzer | No | €19/mo | Cards, PayPal, Apple Pay, Google Pay, Alipay, invoice, instalments, SEPA Direct Debit, bank transfer | Yes | Yes | 5.3 | |
| 42 | Comgate | No | Visa, Mastercard, Google Pay, Apple Pay, PayPal, bank transfers, local payment methods, buy now pay later, installment payments | 9 | Yes | 5.2 | ||
| 43 | Instamojo | Yes | ₹4,999/yr | UPI, debit and credit cards, net banking, wallets, EMI, pay later, NEFT and bank transfer | 1 | No | Yes | 5.1 |
| 44 | DPO Pay | Credit cards, debit cards, bank transfers, mobile money, PayPal, M-Pesa, Tigo Pesa, Airtel Money, MTN | Yes | 5.0 | ||||
| 45 | Pay10 Payment Gateway | No | UPI, cards, net banking, Pay10 Wallet, international cards | 100 | Yes | 4.9 | ||
| 46 | Paysera | Yes | 4.8 | |||||
| 47 | PayKun | No | Cards, net banking, UPI, wallets, QR code, EMI | 29 | No | 4.7 | ||
| 48 | PayGlocal | No | Visa, Mastercard, American Express, Apple Pay, UPI, net banking, wallets, and 100+ local/alternate methods | 130 | Yes | Yes | 4.6 | |
| 49 | GMO Payment Gateway PG Multi-Payment Service | Credit cards; convenience-store payments; bank transfers; carrier billing; digital wallets; QR-code payments; buy-now-pay-later; and other methods | 33 | Yes | 4.5 | |||
| 50 | TransactWorld | Credit cards, debit cards, alternative payment methods | Yes | Yes | 4.4 |
Head-to-head All 28 comparisons →
- Stripe Payments vs Adyen
- Stripe Payments vs PayPal for Business
- Stripe Payments vs Checkout.com
- Stripe Payments vs PayPal Payments
- Stripe Payments vs Braintree
- Stripe Payments vs Mollie
- Stripe Payments vs NMI
- Adyen vs PayPal for Business
- Adyen vs Checkout.com
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How we rank payment gateways
Every tool on this page was researched by iTechGuides Editors from its official website — pricing pages, plan tables and product documentation. We rank on how well each one does this category's core job, what the free or entry plan includes, and where it falls short. Where we have enough verified facts, the score out of 10 is a rubric — job fit, value and how much we could verify — shown with its breakdown on every tool's page; a tool we have not verified enough to score yet shows its rank without a number. Scores are re-checked when a product changes its plans. Read the full editorial policy, or submit a tool we missed.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Last updated · How we research and update