10 Best Payment Gateways for WooCommerce: A Detailed Review
Picking the right payment gateway for WooCommerce is like finding the perfect key for a lock—it opens up smoother transactions and happier customers.
In this article, we’ll explore the top 10 payment gateways, breaking down their features and benefits, you’ll get the lowdown on choosing the best one for your needs and tips on optimizing your payment setup.
Whether you’re new to e-commerce or fine-tuning your store, this guide will help you make smart choices for your WooCommerce setup. Let’s get started and find the perfect payment gateway for your WooCommerce store!
Why Choosing the Right Payment Gateway is Essential?
Choosing the right payment gateway for your WooCommerce store isn’t just about processing payments; it’s about enhancing the entire shopping experience. 🛒
A good payment gateway ensures transactions are smooth, secure, and quick, which keeps your customers happy and coming back for more. Plus, it can save you money on fees and provide better security features. Let’s dive into the details!
Criteria for Choosing a Payment Gateway
When picking a payment gateway for your WooCommerce store, several key factors come into play.
➡ Here’s what you need to consider:
1. Transaction Fees 🔄
Look at the cost per transaction, high fees can eat into your profits! 💸 especially with high-volume sales.
2. Security Features 🛡️
Ensure the gateway offers strong security measures to protect your customers’ data, and look for features like encryption and fraud detection.
3. Ease of Integration ⚙️
The payment gateway should seamlessly integrate with your WooCommerce store without complicated setup processes.
4. Customer Support 💬
Reliable customer support is crucial, you want quick assistance if something goes wrong!
5. Global Reach 🌎
If you have international customers, choose a gateway that supports multiple currencies and countries.
6. Monthly Fees 🗓️
Some gateways charge a monthly fee in addition to transaction fees. Factor this into your budget.
7. Payment Methods 💳
Offer various payment options to cater to different customer preferences, like credit cards, PayPal, and local payment methods.
10 best Payment Gateways for WooCommerce
1. PayPal
PayPal is one of the most popular payment gateways for WooCommerce, and for good reason. It’s widely recognized and trusted by customers all over the world.
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Transaction Fees:
Domestic transactions typically have a standard rate of 2.9% + $0.30 per transaction.
International transactions can have higher fees, often around 4.4% + a fixed fee based on the currency received.
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Key Features:
✔ Buyer and seller protection.
✔ Advanced fraud detection and security.
✔ One-touch payments for faster checkout.
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Payment Methods:
PayPal accepts payments from various sources, including bank accounts, Visa, MasterCard, Discover, American Express, and PayPal Cash. In total, there are over 16 payment methods available.
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Supported Currencies:
PayPal supports over 25 currencies, making it versatile for global transactions.
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Supported Regions:
Available in over 200 countries and regions worldwide.
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Pros:
✅ Integration with WooCommerce is straightforward, making it easy to set up and start accepting payments quickly.
✅ PayPal offers strong security features, including buyer protection and fraud detection, ensuring safe transactions.
✅ Supports multiple currencies and is available in many countries, making it ideal for international stores.
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Cons:
❌ PayPal’s fees can be higher than other gateways, especially for international transactions.
❌ Some users report that PayPal’s customer support can be slow or unhelpful at times.
2. Stripe
Stripe is another popular payment gateway for WooCommerce, known for its flexibility and developer-friendly features.
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Transaction Fees:
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- Standard fee is 2.9% + $0.30 per transaction for domestic payments.
- International transactions may incur additional fees.
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Key Features:
✔ Real-time fee reporting and analytics.
✔ Supports recurring billing and subscriptions.
✔ Developer-friendly API for customization.
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Payment Methods:
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- Credit and debit cards
- Apple Pay
- Google Pay
- AliPay
- Bank transfers, and others.
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Supported Currencies:
Supports over 135 currencies, making it highly versatile for international business.
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Supported Regions:
Available in over 40 countries, with plans to expand further.
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Pros:
✅ Simple to set up and integrates smoothly with WooCommerce.
✅ Offers robust security measures, including encryption and fraud prevention tools.
✅ Supports multiple currencies and is available in many countries.
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Cons:
❌ Complexity! Some users find its extensive features overwhelming.
❌ While generally good, some users report occasional delays in customer support.
Learn: How to Add Payment Gateway in WooCommerce
3. Square
Square is a versatile payment gateway that works well for both online and offline sales, making it a great choice for WooCommerce store owners.
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Transaction Fees:
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- Domestic transactions typically have a fee of 2.9% + $0.30 per transaction.
- Custom rates may be available for high-volume businesses.
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Key Features:
✔ Seamless integration with WooCommerce.
✔ Real-time sales tracking and reporting.
✔ Supports in-person payments with Square’s hardware.
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Payment Methods:
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- Credit and debit cards
- Apple Pay
- Google Pay
- Square Cash
- invoices
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Supported Currencies:
Primarily supports USD, with limited support for other currencies.
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Supported Regions:
Available in the US, Canada, Japan, Australia, UK, Spain, France, and the Republic of Ireland.
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Pros:
✅ Simple integration with WooCommerce and user-friendly interface.
✅ Omnichannel Support, perfect for businesses that sell both online and in physical stores.
✅ Provides robust security features, including PCI compliance and fraud detection.
✅ Supports subscriptions
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Cons:
❌ Slightly higher fees for some transactions compared to other gateways.
❌ Not as widely available internationally as some competitors.
4. Authorize.Net
Authorize.Net is a reliable and feature-rich payment gateway, perfect for WooCommerce store owners looking for a robust solution.
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Transaction Fees:
Typically charges 2.9% + $0.30 per transaction, along with a $25 monthly fee.
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Key Features:
✔ Advanced fraud detection suite.
✔ Recurring billing and subscription management.
✔ Detailed transaction and sales reports.
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Payment Methods:
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- Credit and debit cards
- eChecks
- Discover
- Apple Pay
- PayPal
- American Express
- SRC
- JCB, and many others.
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Supported Currencies:
Primarily supports USD, with limited support for other currencies through international merchant accounts.
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Supported Regions:
Available primarily in the United States, Canada, Europe, and Australia.
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Pros:
✅ Offers advanced fraud detection and secure data encryption, ensuring safe transactions.
✅ Simple setup process with WooCommerce and detailed documentation for support.
✅ Comprehensive Features, includes recurring billing, invoicing, and detailed transaction reporting.
✅ Lower fees for higher transaction volumes
✅ Options for point-of-sale and in-person payments
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Cons:
❌ Charges a monthly fee in addition to transaction fees, which might be a drawback for smaller businesses.
❌ Some users find the extensive features and options a bit overwhelming.
5. WooCommerce Payments
WooCommerce Payments is the native payment gateway for WooCommerce, offering seamless integration and a host of useful features.
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Transaction Fees:
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- Domestic transactions are typically 2.9% + $0.30 per transaction.
- International transactions may incur additional fees.
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Key Features:
✔ Customers can quickly check out by saving their credit card details.
✔ Full integration with WooCommerce.
✔ Real-time financial reporting and analytics.
✔ Use Tap to Pay for contactless in-person payments with your iPhone or Android.
✔ Support for recurring billing and subscriptions.
✔ Transfer funds to your bank account on a schedule you set or whenever you need.
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Payment Methods:
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- Credit and debit cards
- Apple Pay
- Google Pay
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Supported Currencies:
Supports multiple currencies, ideal for international businesses.
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Supported Regions:
Available in the US, Canada, UK, Australia, New Zealand, and a few other regions.
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Pros:
✅ Built specifically for WooCommerce, ensuring a smooth setup and user experience.
✅ Unified Dashboard, manage all your transactions directly from your WooCommerce dashboard.
✅ Strong security features with built-in fraud detection.
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Cons:
❌ To enable recurring payments, you’ll need to purchase the Woo Subscriptions extension, which costs $19.92 per month.
❌ The service isn’t available worldwide and currently does not support users in Africa, Asia, and most APAC countries.
❌ Standard transaction fees apply, which may be higher for international payments.
You may be interested in:
Best 10 WooCommerce Shipping Plugins to Boost Your Store
6. Amazon Pay
Amazon Pay is a reliable payment gateway that leverages Amazon’s trusted platform, making it a great option for WooCommerce store owners.
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Transaction Fees:
Typically 2.9% + $0.30 per transaction for domestic payments.
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Key Features:
✔ Seamless integration with WooCommerce.
✔ Use of Amazon’s secure payment infrastructure.
✔ Access to Amazon’s fraud protection services.
✔ Integrated with Alexa for voice-activated ordering.
✔ Customers can use their Amazon account to make payments.
✔ Supports multiple currencies for global transactions.
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Payment Methods:
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- Credit and debit cards
- Amazon Pay balance
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Supported Currencies:
Primarily supports USD, with 12 currencies
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Supported Regions:
Available in the US, UK, Germany, and Japan, among others.
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Pros:
✅ Many customers already trust and use Amazon, making them more likely to complete a purchase.
✅ Simple integration with WooCommerce and easy for customers to use.
✅ Benefits from Amazon’s robust security measures, including fraud protection.
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Cons:
❌ Amazon Pay has certain restrictions on the types of items and services it supports.
❌ Not available in all countries, which might be a drawback for international businesses.
❌ Using Amazon Pay means Amazon retains more customer data compared to your own payment method.
7. Apple Pay
Apple Pay is a popular payment gateway known for its ease of use and security, making it a great addition to your WooCommerce store.
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Transaction Fees:
Only the standard card company fees apply.
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Key Features:
✔ Fast and secure transactions using Apple devices.
✔ Supports one-touch payments with Face ID or Touch ID.
✔ Apple Pay Later allows splitting purchases into four interest-free installments over six weeks.
✔ Integrates with WooCommerce through Stripe.
✔ Enhanced privacy as Apple doesn’t store or share card details.
✔ Enabled by NFC
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Payment Methods:
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- Credit and debit cards stored in Apple Wallet
- In-person transactions with Apple Cash (available in the US only).
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Supported Currencies:
Supports multiple currencies, making it ideal for international transactions.
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Supported Regions:
Available in many countries, including the US, UK, Canada, Australia, and more.
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Pros:
✅ Customers can quickly pay with their Apple devices, providing a seamless checkout experience.
✅ Utilizes advanced security features like Face ID, Touch ID, and encryption.
✅ Speeds up the checkout process with one-touch payments.
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Cons:
❌ Only available to customers with Apple devices.
❌ Requires integration with compatible payment processors.
8. Alipay
Alipay is a widely used payment gateway, especially popular in China, making it a valuable addition for WooCommerce stores looking to reach Chinese customers.
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Transaction Fees:
Fees depend on the payment processor, typically around 3% per transaction.
The plugin is priced at $6.59 per month.
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Key Features:
✔ Supports a variety of payment methods, including QR code payments.
✔ Strong security and fraud protection measures.
✔ Allows direct payments from Alipay accounts.
✔ The escrow system ensures the legitimacy of all transactions.
✔ Seamless integration with WooCommerce via payment processors.
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Payment Methods:
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- Credit and debit cards
- Alipay Wallet
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Supported Currencies:
Supports multiple currencies, primarily RMB (Chinese Yuan).
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Supported Regions:
Widely used in China, with growing acceptance in other regions.
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Pros:
✅ Widely accessible but mainly popular in China.
✅ Simple for customers to make payments, enhancing the checkout experience.
✅ Strong security features and fraud protection.
✅ Ideal for accessing the Chinese market.
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Cons:
❌ Primarily used in China and less common in other regions.
❌ Most resources and support materials are available in Chinese.
❌ Requires integration with compatible payment processors.
9. Skrill
Skrill is a versatile payment gateway that caters to both international and local transactions, making it a great option for WooCommerce store owners.
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Transaction Fees:
1% fee for card transactions, no fee for bank transfers.
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Key Features:
✔ Supports over 40 currencies.
✔ Instant global money transfers.
✔ Integration with WooCommerce is straightforward.
✔ Supports cryptocurrency transactions.
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Payment Methods:
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- Credit and debit cards
- Bank transfers
- Crypto
- Skrill Wallet
- A variety of local payment methods are available depending on the region.
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Supported Currencies:
Over 40 currencies, facilitating global transactions.
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Supported Regions:
Available in over 200 countries.
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Pros:
✅ Global Reach, supports transactions in over 200 countries.
✅ Accepts a wide range of payment methods.
✅ Offers its own Mastercard.
✅ Offers strong security features, including fraud prevention and encryption.
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Cons:
❌ Some users report slow response times from support.
10. RazorPay
RazorPay is a popular payment gateway in India, known for its comprehensive features and ease of use, making it an excellent choice for WooCommerce store owners.
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Transaction Fees:
Typically around 2% per transaction for domestic payments, with additional fees for international transactions.
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Key Features:
✔ Supports a variety of payment methods, including credit and debit cards, UPI, and digital wallets.
✔ Real-time transaction monitoring and analytics.
✔ Easy integration with WooCommerce.
✔ Supports recurring payments.
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Payment Methods:
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- Credit and debit cards
- UPI (Unified Payments Interface)
- Digital wallets
- Net banking
- PayLater
- Cardless payments
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Supported Currencies:
Primarily supports INR, with additional support for other major currencies.
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Supported Regions:
Primarily available in India, with growing support in other regions.
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Pros:
✅ Offers a wide range of payment options and advanced features.
✅ Simple integration with WooCommerce and user-friendly interface.
✅ Robust security measures, including PCI DSS compliance and fraud detection.
✅ No setup or ongoing fees.
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Cons:
❌ Standard fees apply, which might be higher for certain payment methods.
❌ Primarily focused on the Indian market.
❌ Certain features are exclusive to India.
Our Recommendations
With so many payment gateway options, it’s easy to feel overwhelmed! 🙄 Choosing the right one can be tricky because each business or store has its own specific needs and requirements. What’s perfect for one store might not be the best for another.
Our advice?
Take a step back and evaluate your needs. Consider your transaction volume, customer preferences, and the regions you serve. Use this evaluation to guide your choice.
✔ Transaction Volume
✔ Customer Preferences
✔ Regions Served
✔ Integration Ease
✔ Security Features
✔ Customer Support
In general, the 10 payment gateways we’ve reviewed are all solid options. It’s up to you to determine which fits best with your store’s unique requirements and goals.
Choosing the best payment gateway is not enough!
So, you’ve chosen a payment gateway. Great! But to truly enhance your customer’s payment experience, it’s not just about picking a best gateway. You also need to streamline and optimize the payment process itself.
One effective way to do this is by customizing payment options based on specific products, categories, or customer locations. “Payment Methods by Product & Country for WooCommerce” plugin is a fantastic tool for this🤩
The plugin allows you to enable or disable payment gateways for individual products, categories, and even based on the customer’s country. This means you can offer the most relevant payment options to your customers, improving their shopping experience and increasing the likelihood of completing a purchase.
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Why Customize?
Customizing payment methods ensures your customers see the most relevant and convenient options, reducing cart abandonment and improving satisfaction.
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Benefits for WooCommerce Stores
- Adjust payment options to match the needs of different products and customer locations.
- Avoid high transaction fees by disabling expensive payment methods for low-margin products.
- Offer payment methods that customers trust and prefer, reducing cart abandonment.
Learn more about how to control the payment methods available for each product, category, and even customer country.
Final words
Choosing the best payment gateway for your WooCommerce store is crucial for providing a seamless and secure checkout experience for your customers.
We’ve explored the top 10 payment gateways for WooCommerce, highlighting their features, pros, and cons.
Remember:
The right choice depends on your specific needs, including transaction volume, customer preferences, and regional requirements.
Evaluate your options carefully, and don’t forget to consider additional tools like plugins to customize payment methods further.
Ultimately:
The best payment gateway is one that fits your business model and enhances your customers’ shopping experience. Wishing you successful transactions!💵