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Best payment gateway | A payment gateway is part of the “magic” that happens in the background when a web transaction takes place. By
securely sending information between the website and the payment processor, and then passing the transaction details back to the website,
this is an essential component that enables e-commerce stores to function.
If you have ane-commercewebsite and are interested in accepting online credit card payments, you will need
a payment gateway. It effectively acts as the bridge between product sales and the customer.
What is a payment gateway?
The payment gateway is the intermediary between your online store and the payment processor that receives payment from your customer.
In other words, once the customer enters their payment details on your site, the payment gateway handles sending
that data securely to the payment processor.
The payment gateway takes care of the payment order and ensures that the entered data is sufficient to complete the payment process. The gateway protects
credit card details by encrypting all sensitive information it holds. This process ensures that
personal data is passed securely between the customer and the merchant.
Payment gateways allow you to accept card payments online or in-store, meaning they can provide
online and offline credit card payment processing, as well as working with in-store Point of Sale (
(POS) processing.
Some payment gateways are simply a means to charge cards, typically charging the merchant anywhere
between 1.4% - 3.5%, with no monthly fees. However, if you have a merchant account, the processing fee is reduced
to around the interchange fee, which is typically about 0.10% - 0.20% per transaction, and comes with a monthly fee.
For low-volume sales, a simple payment gateway will be the most cost-effective option in the short term,
as monthly fees can eat into income more than processing fees. However, once sales volume reaches
a critical threshold, it becomes cheaper to pay a monthly fee for merchant processing with interchange fees.
You will find that a number of the best payment gateways offer both options, or some other features on top. This can be
anything from reduced processing fees for specific cards, to direct integration into accounting software.
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Do electronic payment gateways affect your business?
Choosing the right electronic payment gateway is crucial when it comes to the success of an e-commerce store.
Payment gateways act as a bridge between the buyer and the seller. They allow funds to be transferred directly to the seller, while ensuring the security and convenience of the buyer.
According to a survey by the Baymard Institute, 6% of customers abandoned their cart due to a lack of available payment methods.
In addition, most users these days prefer mobile payment options because they are fast and easy.
Therefore, it is essential that you choose a payment gateway taking these points into consideration:
- Secure
- Popular
- Easy to use
What are the best payment gateways for 2021?
1. payline
Payline and The payment gateway has been in business for some time now. It offers clear, useful fees. Interchange-Plus Pricing Model.
If you’ll mainly be accepting credit cards, this may be the best solution for you. With this model,
you’re charged based on the transaction fees associated with each card, plus the processor’s fee.
That said, you’ll need a separate merchant account to work with Payline making the setup process more complex and potentially less
user-friendly if you’re just getting started with a new e-commerce store.
Payline is more than just a payment gateway and hands-on training, which means you’re responsible for setting up things like recurring payments
or other non-standard payment systems. In other words, implementing a specific solution may be more complex and therefore
better suited to established businesses.
الاسعار:
Because of the interchange-plus pricing model, you pay the cost of the specific credit card you process, plus 0.3% of the
transaction amount (you can negotiate the fee down to 0.2% if your volume is high enough).
There is also a separate $10 monthly fee to keep your account enabled.
.
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2. Strip
ستريب وكان واحدة من بوابات الدفع الأكثر شعبية في السوق لبضع سنوات جيدة. كان هيكل الرسوم الواضح
and strong integrations with all major e-commerce platforms, along with its easy-to-use interface, have been major factors in helping
Stripe to build a happy customer base.
Stripe is arguably the most developer-focused payment gateway. That may sound intimidating to some, but what
it really means is that you can tailor Stripe to serve your business exactly the way you want.
Stripe lets you process one-time payments, bill customers on a recurring basis, set up a marketplace, or even
handle in-person payments.
Stripe also keeps transactions secure and safely stores all credit card numbers and transaction details.
(using strong AES-256 encryption keys).
علاوة على ذلك:
- Stripe is PCI DSS Level 1 certified
- Issues SSAE 18 / SOC 1 Reports 1 and 2
- Holds money transmitter licenses across the United States, an AFSL in Australia, and an e-money license in Europe,
and is a registered MSB in Canada
- Complies with PSD2 and Strong Customer Authentication (SCA) in the EU
Works with 135+ currencies
-حاليا Available in 30+ countries
-يعمل مع عدد كبير من أدوات ومنصات الطرف الثالث – اقرأ: ستعمل مع مزود التجارة الإلكترونية الخاص بك
بالتأكيد
On top of all that, 24/7 support is available by email, chat, and phone.
الأسعار:
2.9% + 30 amount per U.S. credit card transaction
+1% for accepting international cards
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3. Authorize.Net
Authorize.Net It is one of the best-known and oldest online payment gateways. It has been
around since 1996 and lets businesses of all kinds accept payments online and in person.
Authorize.Net lets you accept credit cards, contactless payments, and e-checks.
It also offers advanced fraud detection, which can protect your business from unauthorized payments and other
payment-related issues.
It’s also worth noting that Authorize.Net securely stores your customers’ data and lets you tokenize all the information
الحساسة.
Depending on your business needs, you can use Authorize.Net to issue invoices and set up recurring payments
and offer a streamlined checkout process.
التسعير:
- All-in-One Option: For businesses without a merchant account; $25 per month and 2.9% + 30¢ per transaction
- Payment Gateway Only: For businesses that already have a merchant account; $25 per month and 10¢ per transaction
- Enterprise solutions for businesses processing more than $500K annually
4. PayPal
Paypal Are among the best-known payment processors / payment solutions / payment gateways.
PayPal is already more than just a gateway business owners can integrate with their ecommerce stores.
In fact, many everyday users have their own PayPal accounts and use the service to handle
casual payments online or even split a bill with their friends.
All this makes PayPal an essential payment gateway for your ecommerce store, because it’s the only solution that
ensures you’ll be able to sell your products to everyone.
From a business owner’s perspective, there are different versions of PayPal to consider:
-PayPal Payments Standard
PayPal Express Checkout
-PayPal Payments Pro
The differences between the three may seem minor, but they can be significant depending on the types of products you sell.
PayPal Payments Standard and PayPal Express Checkout work in much the same way. The only difference is that
With Standard, the customer places an order on your website → customizes it → and is then redirected to PayPal to pay.
With PayPal Express, the customer is redirected to PayPal to authorize the charge, but does not complete checkout there.
Instead, they can return to your website, customize the order, and then be charged in the background without leaving your site.
With PayPal Payments Pro, you can fully customize the checkout process, and customers stay on your website throughout.
Currently, PayPal Payments Pro is available in only a handful of countries.
Some of the most important details about PayPal as a payment gateway:
- You don't need a merchant account to use PayPal
- You get advanced fraud protection
- You can issue invoices
- You can quickly withdraw funds to a bank account in your local currency
التسعير:
-PayPal Payments Standard: 2.9% + 30¢ per transaction; volume discounts are available if you
process a lot of payments
-PayPal Express Checkout: 2.9% + 30¢ per transaction
-PayPal Payments Pro: 2.9% + 30¢ per transaction; plus $30 per month
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5. 2Checkout
2Checkout Established in 2006, it now offers services in more than 180 countries.
It provides you with a complete online payment processing solution, giving you access to an advanced platform where
You can manage your business finances and e-commerce operations.
One of the unique things about 2Checkout is that, in addition to integrating its payment gateway with all
popular e-commerce platforms, you can also access a hosted shopping cart designed with
best practices in mind and optimized to maximize conversions. This option lets you work with 2Checkout
on its own, without needing an external e-commerce solution. This can be an appealing option for businesses that don’t yet have an
e-commerce setup.
Other important details about the 2Checkout offer:
- Supports 29 languages and 100 currencies
- Translated checkout for supported countries
- Integrates with more than 120 e-commerce tools
- Lets you accept all major credit cards and PayPal payments
-توفر الوظيفة الإضافية “2Comply” معالجة وامتثالًا متقدمًا للضرائب وضريبة القيمة المضافة
التسعير:
-“2Sell”: طريقة سهلة وبسيطة للبيع على مستوى العالم ؛ 3.5٪ + 30 ¢ لكل معاملة
-“2Subscribe”: للاشتراك في الأعمال ؛ 4.5٪ + 40 ¢ لكل معاملة
-“2Monetize”: حل شامل لبيع السلع الرقمية عالميًا ؛ 6٪ + 50 لكل معاملة
This pricing may seem more expensive overall than the other options on the list, but especially with the last two plans, you can
get a range of additional features beyond simply functioning as a payment gateway.
Ultimately, all of them will let you collect payments from your customers just as effectively. The real difference lies in the
extra features they offer and the overall experience of using the gateway and integrating it into your ecommerce store.
