The 10 Best Payment Gateways & Solutions For Startups

It's hard to conquer everything by yourself. Taking help from experts could be a lot less burden in tasks like handling payments. 

You can always build your own payment gateway to accept payments but that would take a long time to build and would lead to really high costs and risks. 

Here's a list of best payment gateways, payment processors, and payment solutions for your business to help you in your venture.

paypal financial toolkit


Operating in around 202 countries, Paypal helps 197 million users transfer money all over the world.

Paypal is a powerhouse financial toolkit that isn’t just a payment gateway for your business. It allows you to:

  • Get the benefits of a digital wallet (and a prepaid wallet)
  • Transfer money to and from a bank account or Paypal account
  • Receive payments
  • Get credit
  • Get a working capital loan

The transaction charges are approximately 2.9% plus $0.30 USD (depending upon the country of operation).



If your customer base is from all over the world, 2Checkout could be the best payments processor for you. 2Checkout bills itself as a company which provides seamless and safe reliable payment processing irrespective of where you are on the map.

2Checkout lets you accept payments online as well as on mobile platforms in 87 currencies and 200+ global markets. You can also customize your checkout pages with your own branding and also give your users a better mobile-friendly experience.

The transaction charges are 2.9% plus $0.30 USD in the United States, but it varies according to the country you’re operating in and taking payments from. Pricing may also vary depending on your industry and business model.

dwolla best payment processor


If your conduct business in the United States, DWOLLA could be the perfect payments solution for you. It is a developer-friendly payments tool that gives you full freedom of customizing how you make and receive recurring, bulk or single payments.

The platform offers a free account and charges only 0.5% per transaction (Minimum $0.05, Maximum $5.00). However, it only links to a U.S. bank account or credit union account and is strictly crafted for making payments within the U.S.

braintree best payment gateway


Braintree is your one-stop solution for almost every payment option. It lets you accept payments through all credit and debit cards, Paypal, Venmo, Apple Pay, Google Pay, Visa Checkout, Masterpass, Amex Express Checkout, ACH Direct Debit.

Braintree even started accepting bitcoins but had to depreciate it after few months. Nevertheless, it is still one of the largest payment processors in the world.

Braintree is owned by Paypal and charges similar fees: ~ 2.9% plus $0.30 USD (depending upon the country of operation). There are no extra fees (for refunds, inactivity or failed transactions). You only pay for those transactions you actually carry out. best payments solutions comes with the tools that allow you to accept payments easily and efficiently everywhere – at the storefront, online, or through a variety of mobile devices safely and confidently. also has an impressive round-the-clock support team which helps you with almost anything related to payments.

Other services provided by include automated recurring billing, an advanced (and customizable) fraud detection security settings, recurring payments option, and simple checkout options. It also syncs with Quickbooks.

venmo best payments solution


Venmo isn’t just a payment processor. It is a fusion of Paypal and Facebook. Venmo is a perfect payment solution for you if your target audience comes under the category of social spenders. The payment processor lets your customers to split bills, request money from other friends, and share and see what they and other people are spending money on.

The platform is already trusted by millions of online and offline merchants in the United states. It lets your customers pay using:

  • Venmo Balance (Venmo’s eWallet)
  • U.S. Bank Account
  • Debit Card
  • Credit Card

Since the company is owned by Paypal, the charges levied are similar to the parent company. These are 2.9% plus $0.30 USD.

You can also integrate with Braintree or Paypal and add Venmo as payment option on the checkout page.

Wepay best payment processor


WePay provide integrated payments designed exclusively for commerce platforms. Unlike paypal or credit card processors that take you to a third party website for external verification process and payment processing, Wepay integrates itself into your platform and lets you customize everything in the front end while it does its job in the backend.

Your users also don’t need to login or sign up separately on the third party payment processor.

The company also focuses on providing world-class security features for receiving payments. The other features include acceptance of all major cards, fraud protection, recurring payments, etc.

The company charges 2.9% + $0.30 per transaction for credit card transactions and 1% + $0.30 per transaction for bank transfers. ACH payment processing is 1% + $0.30 per transaction. Chargebacks are $15.

payoneer best payments solution


Payoneer stands out when it comes to mass payments to customers all over the world. The company boasts its 360° solution that empowers you to expand into new geographies and grow your business. The 360° solution includes:

  • Working Capital: offer your payees to receive early payments
  • Fraud Prevention
  • Mass Payouts: send cross-border payments worldwide
  • Tax forms automation service: Payoneer does that for you
  • API: for integrated payments
  • Access to millions of payoneer users

The company operates in more than 200 countries and lets you accept around 150 currencies. The company doesn’t charge anything for opening a Payoneer account but charges a fee upto 3% for receiving payments. It also gives you an option of automatic fund transfer to your bank account at competitive rates.

Stripe best payments gateway


Stripe is specially crafted for internet businesses. The company provides an API which lets you accept payments irrespective of your business model. Whether you’re working on a subscription based service, an on-demand marketplace, an aggregator business model, an ecommerce store, a donationware product/service or a crowdfunding platform, you can use Stripe’s innovative technology to accept payments from your customers.

The company was originally built for developers who form their major customer-base today too, but it can also be used in its basic form. Stripe is used by the bigshots like Lyft, Slack, UNICEF, Kickstarter, etc.

There are no setup fees, monthly fees, or hidden fees for using Stripe. You only pay 2.9% + $0.30 for every successful transaction (credit and debit cards). An additional 1% is levied if you accept payments using international cards.

transferwise payment transfer


TransferWise eliminates the risk of opening different oversees bank accounts. You can create one TransferWise borderless account and get paid from around the world with zero fees. You can hold and convert your money in over 40 currencies and switch them with others at real exchange rates. The company charges a flat 0.5% fee for every transaction and only charges the currency conversion fee when you want to convert it.

Once signed up using your identity proof, you get different bank details for countries around the world (different bank detail for every country). That means you get US account and routing number, a UK account number and sort code, and other local details for every country.