In 2025, running a business is no longer limited by borders. Whether you’re a small Shopify store owner in Asia, a SaaS startup in Europe, or a global marketplace seller in the United States, your customers expect one thing: fast, secure, and seamless international payments. This is where choosing the right international payment gateway becomes crucial.
With the rapid rise of global eCommerce and digital trade, cross-border transactions are at an all-time high. More consumers are shopping internationally, freelancers are getting paid from overseas clients, and enterprises are expanding into new regions. The wrong payment gateway can result in high fees, failed transactions, and lost customers, while the right one ensures trust, convenience, and scalability.
But with so many providers, what makes a payment gateway the “best” and “most reliable”? The answer lies in a combination of security, compliance, multi-currency support, cost efficiency, platform integration, speed, and customer support. In this guide, we’ll break down the key factors you should look for before choosing a payment gateway in 2025 and why they matter for your business success.
What to Look for in an International Payment Gateway
Choosing a payment gateway is not just about who has the lowest fees—it’s about ensuring your business can grow without barriers. Below are the most important features to evaluate when selecting the best international payment gateway for your business.
Security & Compliance
Trust is everything in digital payments. A single security breach can destroy your brand reputation. That’s why the best international payment gateways in 2025 prioritize enterprise-grade security standards.
Key elements include:
- PCI DSS compliance – ensures cardholder data is handled safely.
- Data encryption & tokenization – protects sensitive customer information during transactions.
- Fraud detection & AI monitoring – reduces chargebacks by spotting unusual payment behavior in real-time.
For example, gateways like Stripe and Adyen now use machine learning fraud detection to block suspicious activity before it happens. Businesses that prioritize secure gateways not only protect customers but also increase conversion rates by building trust.
Multi-Currency and Cross-Border Capabilities
In a globalized market, your gateway should be able to handle multiple currencies and payment methods without hassle. This ensures customers can pay in their local currency while you receive payments in your preferred settlement currency.
Benefits include:
- Multi-currency processing (USD, EUR, GBP, JPY, INR, etc.).
- Automatic currency conversion with competitive exchange rates.
- Support for local payment methods (e.g., Alipay in China, UPI in India, SEPA in Europe).
A reliable payment gateway with cross-border capabilities helps reduce cart abandonment since customers are more likely to complete transactions when they see familiar currencies and local payment options.
Fees, Transaction Costs, and Hidden Charges
Every business wants to maximize profit margins, and transaction costs can make or break your bottom line. In 2025, most payment gateways operate on a pay-as-you-go model or offer custom enterprise pricing.
Key cost considerations:
- Per-transaction fees – usually 2.5% to 3.5% + $0.30 per transaction.
- Cross-border fees – extra 1% to 2% when processing international cards.
- Currency conversion charges – usually between 1% to 3%.
- Hidden fees – setup costs, chargeback fees, or monthly minimums.
For example, PayPal is widely accepted but is often criticized for higher cross-border fees, while providers like Wise (formerly TransferWise) are praised for low, transparent exchange rates.
Here’s a quick comparison of fee structures:
| Payment Gateway | Avg. Transaction Fee | Cross-Border Fee | Notes |
|---|---|---|---|
| Stripe | 2.9% + $0.30 | +1% | Great for SaaS & startups |
| PayPal | 3.4% + $0.30 | +1.5–2% | High fees, wide global adoption |
| Wise | Variable (low) | Minimal | Best for freelancers & payouts |
| Adyen | Custom pricing | Custom | Enterprise-level scalability |
Integration with Platforms
Your payment gateway should integrate seamlessly with your business platforms, whether you’re running an online store, mobile app, or SaaS service.
- eCommerce Platforms – Shopify, WooCommerce, Magento, BigCommerce.
- Marketplaces – Amazon, eBay, Etsy.
- SaaS & Subscription Models – recurring billing support.
- Mobile Apps – SDKs for iOS and Android integration.
The best gateways in 2025 also support API-first architectures, making it easier for developers to build custom payment flows. Stripe and Braintree are popular among startups for this reason, while Payoneer and Adyen are often preferred by global marketplaces.
Speed of Settlements & Reliability
Cash flow is critical, especially for small businesses and freelancers. Waiting too long for payments can hurt operations. Reliable international payment gateways offer fast settlements, typically within 1–3 business days, while some (like Wise and Payoneer) even allow near-instant payouts in certain regions.
Things to consider:
- Settlement speed – How quickly funds reach your bank account.
- Processing reliability – Uptime of 99.9% or higher ensures transactions don’t fail during peak hours.
- Payout options – Bank transfers, e-wallets, debit cards, and prepaid cards.
For example, Payoneer is widely used by freelancers on platforms like Upwork and Fiverr because it offers fast, low-cost international payouts compared to traditional banks.
Customer Support and Regional Availability
When money is on the line, responsive customer support is non-negotiable. The best international payment gateways provide 24/7 multilingual support via chat, email, and phone.
Additionally, regional availability matters. Some gateways like PayPal and Stripe are available in 200+ countries, while others may be limited to certain regions. Before committing, check:
- Does the gateway support your target countries?
- Is local language and currency support available?
- How responsive is the customer support team in case of disputes or chargebacks?
Reliable customer support ensures that technical issues or transaction disputes don’t stall your business.
Top 27 Best and Most Reliable International Payment Gateway
Expanding your business to a global market requires more than just great products—it demands a seamless, secure, and trustworthy way to accept payments from customers worldwide. Choosing the right international payment gateway can make or break your ability to scale efficiently, reduce transaction costs, and build customer trust. In this guide, we’ll highlight the 27 best and most reliable payment gateways that empower businesses to accept cross-border payments with ease, ensuring smooth transactions and long-term growth.
1. PayPal
PayPal is one of the most recognized online payment gateways globally, founded in 1998. It enables businesses and individuals to send and receive money securely across borders. For beginners, PayPal acts as both a digital wallet and a payment processing platform, allowing customers to pay using their PayPal balance, linked bank accounts, or credit/debit cards. It has become a standard for e-commerce, freelancing, and international transactions.
The platform is user-friendly and offers multiple account types for businesses and personal use. Setting up a merchant account is straightforward, and PayPal provides tools like invoicing, recurring billing, and payment buttons for websites. Its wide adoption means customers often trust it more than other gateways, boosting conversion rates.
Unique Features for International Payments:
- Multi-currency support for over 25 currencies.
- International money transfers with competitive conversion rates.
- Automatic currency conversion at checkout.
- Fraud detection and buyer protection.
- Cross-border seller protection programs.
- Localized checkout experiences in multiple languages.
- Integration with global marketplaces like eBay and Etsy.
Why PayPal is Suitable for International Use:
PayPal’s global presence in more than 200 countries and territories makes it ideal for businesses targeting international customers. Its platform manages currency conversion, international fees, and compliance regulations automatically.
Supported Payment Methods:
- PayPal balance
- Credit and debit cards (Visa, Mastercard, American Express)
- Bank transfers
- PayPal Credit
Integrations:
- E-commerce platforms like Shopify, WooCommerce, Magento
- Invoicing tools
- Mobile apps via SDKs
- Marketplaces such as eBay and Etsy
Website/URL:
2. Stripe
Stripe is a developer-friendly payment gateway founded in 2010, primarily targeting online businesses. It is highly customizable and allows businesses to integrate payment processing directly into their websites or apps without redirecting customers to an external page. Beginners may find the technical setup slightly challenging, but Stripe provides extensive documentation, APIs, and libraries for almost every programming language.
Stripe has grown rapidly because of its versatility, supporting both traditional card payments and emerging methods like digital wallets and Buy Now, Pay Later services. The platform is designed to scale with businesses, from startups to multinational enterprises, offering advanced features like subscription management, marketplace payments, and real-time reporting.
Unique Features for International Payments:
- Support for over 135 currencies.
- Automatic currency conversion with transparent fees.
- Local payment methods like SEPA, iDEAL, and Alipay.
- Global card network compatibility.
- Advanced fraud protection with machine learning.
- Multi-country merchant accounts under a single Stripe account.
- International tax and compliance tools.
Why Stripe is Suitable for International Use:
Stripe’s multi-currency and multi-country capabilities allow businesses to sell globally while managing complex regulatory requirements seamlessly. Its platform automatically calculates cross-border fees and taxes, making it easy for companies to expand internationally.
Supported Payment Methods:
- Major credit/debit cards (Visa, Mastercard, AMEX)
- Digital wallets (Apple Pay, Google Pay)
- Bank debits and transfers
- Regional payment options (SEPA, iDEAL, Alipay, WeChat Pay)
Integrations:
- Shopify, WooCommerce, Wix, Squarespace
- Mobile apps through SDKs
- Accounting software like Xero and QuickBooks
- Custom-built websites via APIs
Website/URL:
3. Square
Square, established in 2009, started with a focus on small business point-of-sale (POS) solutions and has since expanded to a complete payment gateway service. Beginners will find Square’s ecosystem highly approachable, with plug-and-play POS hardware and intuitive software for accepting payments both in-person and online.
Square differentiates itself with a combination of hardware and software, allowing businesses to accept card payments, send invoices, and manage inventory from a single dashboard. Its pricing is transparent, making it attractive for small businesses aiming to expand internationally without complicated fee structures.
Unique Features for International Payments:
- Multi-currency payment acceptance for online stores.
- Real-time currency conversion for cross-border transactions.
- International card processing with dynamic currency conversion.
- Secure online invoicing and payment links.
- Built-in fraud prevention tools.
- Mobile POS for travel-based businesses.
- Integration with global e-commerce marketplaces.
Why Square is Suitable for International Use:
Square enables global businesses to process payments in multiple currencies without needing separate accounts in each country. Its cloud-based POS and online payment tools ensure consistency across borders, ideal for franchises and remote sellers.
Supported Payment Methods:
- Credit and debit cards (Visa, Mastercard, AMEX, Discover)
- Mobile wallets (Apple Pay, Google Pay)
- Gift cards and store credits
- Invoices and online payment links
Integrations:
- WooCommerce, Wix, BigCommerce
- Square POS and mobile apps
- Accounting tools like QuickBooks
- E-commerce marketplaces
Website/URL:
4. Adyen
Adyen, a Netherlands-based gateway founded in 2006, serves some of the world’s largest enterprises like Netflix, Spotify, and eBay. Beginners can rely on Adyen for a streamlined payment experience that supports online, in-app, and in-store payments. The platform combines payment processing, risk management, and analytics in one dashboard.
Adyen’s global reach and enterprise-grade solutions make it highly suitable for businesses planning international expansion. Its technology stack is designed for scalability, offering features like instant settlement, recurring billing, and smart payment routing to reduce costs and increase authorization rates.
Unique Features for International Payments:
- Supports 200+ countries and 150+ currencies.
- Local acquiring and multi-currency settlement.
- Smart payment routing to optimize authorization.
- Unified platform for online, in-app, and in-store payments.
- Real-time fraud detection with machine learning.
- Global compliance and anti-money laundering tools.
- Seamless cross-border invoicing and reporting.
Why Adyen is Suitable for International Use:
Adyen’s unified approach allows businesses to process international payments efficiently without multiple accounts. It ensures local payment preferences are met, increasing conversion rates in different regions.
Supported Payment Methods:
- Major credit/debit cards (Visa, Mastercard, AMEX)
- Digital wallets (Apple Pay, Google Pay, PayPal)
- Local payment methods like iDEAL, Alipay, and SEPA
- Bank transfers
Integrations:
- E-commerce platforms: Shopify, Magento, WooCommerce
- Mobile SDKs for iOS and Android
- ERP and accounting systems
- Marketplaces like eBay
Website/URL:
5. Worldpay
Worldpay, founded in 1997 and now part of FIS, is a global leader in payment processing solutions. For beginners, Worldpay is a secure and reliable gateway that allows businesses of all sizes to accept online, in-store, and mobile payments. It’s especially popular among large enterprises due to its robust infrastructure and international reach.
Worldpay supports a wide variety of businesses, from e-commerce stores to subscription-based services. It offers advanced reporting tools, fraud protection, and the ability to manage multiple currencies and payment methods from a single dashboard. Its global footprint ensures high transaction approval rates and compliance with local regulations.
Unique Features for International Payments
- Supports over 120 currencies.
- Cross-border payment optimization for better approval rates.
- Multi-currency settlement accounts.
- Global fraud detection and risk management.
- Local payment methods for major regions.
- PCI-compliant secure payment processing.
- Recurring and subscription billing management.
Why Worldpay is Suitable for International Use
Worldpay’s multi-currency capabilities and local acquiring options make it ideal for businesses selling globally. Its platform ensures that international transactions are fast, secure, and compliant with regional regulations.
Supported Payment Methods
- Credit and debit cards (Visa, Mastercard, AMEX)
- PayPal and digital wallets
- Local payment methods like Alipay, iDEAL, and SEPA
- Recurring billing
Integrations
- Shopify, WooCommerce, Magento
- ERP and accounting systems
- Mobile apps and POS systems
Website/URL
6. Airwallex
Airwallex, founded in 2015, is a modern fintech payment platform focused on international business payments. Beginners will appreciate Airwallex for its simplicity in sending and receiving cross-border payments with low fees and real-time exchange rates. The platform also offers virtual accounts, helping companies manage multiple currencies easily.
Airwallex is designed for startups, SMEs, and enterprises looking to optimize global transactions. Its platform provides transparency, fast settlements, and multi-currency wallets, making it a standout option for international commerce.
Unique Features for International Payments
- Supports over 50 currencies.
- Real-time FX conversion with competitive rates.
- Multi-currency virtual accounts for business operations.
- Cross-border payments in multiple regions.
- Bulk payment processing for payroll or supplier payments.
- Global card issuance for employees and suppliers.
- API integration for automated international payments.
Why Airwallex is Suitable for International Use
Airwallex enables seamless cross-border transactions with minimal fees and real-time currency conversion. Its multi-currency wallets and global banking infrastructure make international expansion easier for businesses.
Supported Payment Methods
- International bank transfers
- Credit/debit cards
- Virtual cards
- Local payment methods (depending on region)
Integrations
- Shopify, WooCommerce
- Accounting software like Xero and QuickBooks
- Custom platforms via API
- Payment links for invoices
Website/URL
7. Braintree
Braintree, a PayPal-owned company founded in 2007, is a full-stack payment platform widely used for online and mobile payments. For beginners, Braintree offers a simple way to accept payments while providing advanced customization options for developers. It is trusted by large-scale apps like Uber, Airbnb, and GitHub.
Braintree stands out for its flexibility and global reach. Businesses can manage multiple currencies, subscriptions, and digital wallets under one account. Its fraud detection tools and seamless integration with PayPal make it a preferred choice for international e-commerce.
Unique Features for International Payments
- Supports over 130 currencies.
- Multi-currency transactions under a single merchant account.
- Integration with PayPal for global reach.
- Local payment methods like SEPA, iDEAL, and Alipay.
- Mobile-first payment processing.
- Recurring billing and subscription management.
- Advanced fraud protection with machine learning.
Why Braintree is Suitable for International Use
Braintree allows businesses to accept payments globally while handling currency conversion and compliance automatically. Its support for local payment methods enhances the user experience for international customers.
Supported Payment Methods
- Credit and debit cards (Visa, Mastercard, AMEX)
- PayPal
- Digital wallets (Apple Pay, Google Pay)
- Local payment methods like SEPA, iDEAL
Integrations
- E-commerce platforms: Shopify, WooCommerce, Magento
- Mobile apps via SDKs
- Subscription platforms
- Custom websites via API
Website/URL
8. 2Checkout
2Checkout, now part of Verifone, is a global payment gateway established in 2000. For beginners, 2Checkout offers an easy setup for accepting online payments internationally, including subscriptions and one-time payments. Its cloud-based platform allows businesses to manage multiple currencies and payment methods without complex banking arrangements.
The platform emphasizes flexibility and compliance. Businesses can customize checkout experiences, automate recurring billing, and use real-time reporting for insights. 2Checkout’s global reach simplifies selling to customers in over 200 countries.
Unique Features for International Payments
- Supports over 100 currencies.
- Multiple localized checkout options.
- Subscription billing with recurring payments.
- Fraud protection and PCI compliance.
- Tax and VAT handling for global sales.
- International payout options for merchants.
- Integration with marketplaces and SaaS platforms.
Why 2Checkout is Suitable for International Use
2Checkout allows businesses to expand globally without worrying about local banking, compliance, or currency conversion. Its platform simplifies cross-border transactions while providing a seamless experience for customers.
Supported Payment Methods
- Credit/debit cards (Visa, Mastercard, AMEX)
- PayPal
- Digital wallets (Apple Pay, Google Pay)
- Local payment methods depending on region
Integrations
- Shopify, WooCommerce, Magento
- SaaS subscription platforms
- Mobile apps via API
- Accounting software
Website/URL
9. Payoneer
Payoneer, founded in 2005, is a global payment platform that focuses on cross-border transactions and freelancer payments. For beginners, Payoneer acts as both a digital wallet and an international bank account, allowing businesses and individuals to send and receive money in multiple currencies. It is widely used by freelancers, online sellers, and service providers to manage international payments efficiently.
Payoneer stands out because it offers local receiving accounts in USD, EUR, GBP, and other currencies, making it easy to get paid like a local. Businesses can also withdraw funds directly to local bank accounts or use a Payoneer prepaid Mastercard for purchases worldwide.
Unique Features for International Payments:
- Multi-currency receiving accounts (USD, EUR, GBP, JPY, etc.)
- Fast cross-border transfers with competitive FX rates
- Prepaid Mastercard for global payments
- Integration with marketplaces like Amazon, Fiverr, and Upwork
- Mass payout capabilities for vendors and employees
- Fraud monitoring and security for international transactions
- Real-time transaction tracking and reporting
Why Payoneer is Suitable for International Use:
Payoneer simplifies global payments for businesses by providing local accounts in multiple currencies. It eliminates the need for multiple banking relationships and supports both business-to-business (B2B) and freelancer payments internationally.
Supported Payment Methods:
- Bank transfers
- Credit/debit cards via Mastercard
- Mass payouts to other Payoneer accounts
- Marketplace payments
Integrations:
- Marketplaces: Amazon, Fiverr, Upwork, Airbnb
- Payment platforms for SaaS and freelance platforms
- Custom APIs for automated payouts
Website/URL:
10. Authorize.net
Authorize.net, a subsidiary of Visa founded in 1996, is a trusted payment gateway for businesses of all sizes. Beginners will find it easy to use for accepting online and in-person payments, with strong support for international transactions. Its reputation for reliability and fraud prevention makes it a top choice for merchants entering global markets.
The platform offers tools for recurring billing, invoicing, and secure payment processing. It also provides advanced fraud detection features and the ability to manage multiple payment methods, making it a versatile option for businesses with diverse international customers.
Unique Features for International Payments:
- Multi-currency payment support
- Fraud detection suite for international transactions
- Recurring billing for global subscriptions
- Customer information manager for cross-border accounts
- eCheck payments for select countries
- Virtual terminal for phone or mail orders
- PCI DSS compliance for secure international payments
Why Authorize.net is Suitable for International Use:
Authorize.net supports multiple currencies and international cards, making it easy to sell globally. Its advanced fraud detection ensures safe transactions, while recurring billing simplifies subscription management for international clients.
Supported Payment Methods:
- Credit/debit cards (Visa, Mastercard, AMEX)
- eChecks and ACH
- Digital wallets (Apple Pay, Visa Checkout)
- Recurring billing
Integrations:
- E-commerce platforms like Shopify, WooCommerce, BigCommerce
- Accounting tools such as QuickBooks
- POS systems and mobile apps
- Custom websites via API
Website/URL:
11. Sage Pay (Now Opayo)
Sage Pay, rebranded as Opayo, is a UK-based payment gateway known for secure and simple online payments. For beginners, Opayo provides a straightforward way to accept payments online, in-store, or via phone, with a strong focus on small to medium-sized businesses.
The platform ensures PCI-compliant transactions and supports multiple payment types. Its dashboard offers easy reporting, fraud protection, and seamless integration with websites, making it a reliable choice for international businesses expanding into Europe and beyond.
Unique Features for International Payments:
- Supports multiple currencies, including GBP, EUR, USD
- Strong fraud screening tools for cross-border transactions
- Tokenization for secure repeat payments
- Recurring billing for subscriptions
- Multi-channel payments: online, in-store, phone
- Real-time transaction reporting
- PCI DSS Level 1 compliance
Why Sage Pay is Suitable for International Use:
Opayo’s multi-currency support and fraud prevention tools make it ideal for businesses targeting European and international markets. Its secure payment infrastructure ensures customer trust and smooth cross-border transactions.
Supported Payment Methods:
- Credit/debit cards (Visa, Mastercard, AMEX, Maestro)
- PayPal
- Direct debit and recurring payments
- Apple Pay and other digital wallets
Integrations:
- E-commerce platforms like Magento, WooCommerce, Shopify
- Accounting software and ERP systems
- Mobile apps and POS terminals
Website/URL:
12. Razorpay
Razorpay, founded in 2014 in India, is a comprehensive payment gateway focused on online and mobile payments. Beginners benefit from its intuitive dashboard, easy integration, and extensive support for Indian and international payment methods. Razorpay is especially popular with startups, SMEs, and digital platforms in India, expanding globally.
Razorpay provides features for subscriptions, invoices, and marketplaces. Its platform emphasizes security, compliance, and multi-currency acceptance, enabling businesses to manage both domestic and international payments seamlessly.
Unique Features for International Payments:
- Accepts payments in over 100 currencies
- International credit/debit card processing
- Multi-currency settlement accounts
- Subscription and recurring billing management
- Payment links for cross-border clients
- Fraud prevention and risk management tools
- API-driven integration for automated payments
Why Razorpay is Suitable for International Use:
Razorpay enables businesses in India and globally to process cross-border payments efficiently. Its multi-currency support and secure API-based system make international transactions easy and reliable.
Supported Payment Methods:
- Credit/debit cards (Visa, Mastercard, AMEX)
- UPI, net banking (India-specific)
- International digital wallets
- Payment links and recurring billing
Integrations:
- E-commerce: Shopify, WooCommerce, Magento
- Accounting software
- Mobile apps via SDKs
- Custom websites via API
Website/URL:
13. PayU
PayU is a global fintech company founded in 2002, specializing in online payments across emerging markets. For beginners, PayU offers a simple way to accept payments via multiple methods and currencies. It is widely used in Asia, Latin America, and Eastern Europe, making it ideal for businesses targeting fast-growing markets.
PayU provides robust tools for subscriptions, marketplaces, and one-time payments. Its dashboard includes analytics, fraud prevention, and reconciliation features, helping businesses manage international operations efficiently.
Unique Features for International Payments
- Supports over 150 currencies.
- Localized payment methods in emerging markets.
- Multi-currency settlement accounts.
- Smart fraud detection and risk management.
- Recurring and subscription billing.
- Mobile-friendly payment pages for global customers.
- Real-time reporting and analytics for cross-border transactions.
Why PayU is Suitable for International Use
PayU’s focus on emerging markets and multi-currency processing makes it ideal for businesses expanding globally. It simplifies compliance with local regulations and offers localized payment options to improve conversion rates.
Supported Payment Methods
- Credit/debit cards (Visa, Mastercard, AMEX)
- Bank transfers and e-wallets
- Local payment methods (Boleto, UPI, etc.)
- Recurring billing
Integrations
- Shopify, WooCommerce, Magento
- Mobile apps via SDKs
- Custom websites via API
- Marketplaces
Website/URL
14. Elavon
Elavon, founded in 1991 and now a subsidiary of U.S. Bancorp, provides secure payment processing solutions for global businesses. Beginners will find its platform reliable for online, in-store, and mobile payments, with strong support for international transactions.
Elavon offers a robust suite of features including multi-currency processing, fraud prevention, and advanced reporting. Its platform is designed for scalability, making it ideal for small businesses and large enterprises alike.
Unique Features for International Payments
- Supports payments in 150+ currencies.
- Multi-country merchant accounts under one platform.
- PCI-compliant fraud protection.
- Recurring billing and subscription management.
- Real-time transaction analytics for cross-border payments.
- EMV and contactless card support internationally.
- Integration with global marketplaces and POS systems.
Why Elavon is Suitable for International Use
Elavon’s multi-currency support, international card processing, and fraud protection make it ideal for businesses selling globally. It simplifies compliance and ensures fast, secure payment processing worldwide.
Supported Payment Methods
- Credit/debit cards (Visa, Mastercard, AMEX, Discover)
- Digital wallets (Apple Pay, Google Pay)
- ACH and SEPA transfers
- Recurring billing
Integrations
- Shopify, Magento, WooCommerce
- POS systems and mobile apps
- Accounting and ERP platforms
- Marketplaces
Website/URL
15. BlueSnap
BlueSnap, founded in 2001, is a global payment gateway designed for e-commerce and SaaS businesses. For beginners, it provides a unified platform to manage online, mobile, and in-store payments with minimal setup. BlueSnap is known for its international reach and support for multiple currencies and payment methods.
BlueSnap’s Smart Payment Routing feature optimizes authorization rates globally, while its integrated fraud prevention tools ensure secure transactions. The platform also offers subscription billing and marketplaces solutions.
Unique Features for International Payments
- Supports 100+ currencies and 200+ countries.
- Smart Payment Routing for higher approval rates.
- Multi-currency settlement accounts.
- Fraud prevention tools and PCI compliance.
- Recurring billing and subscription management.
- Integrated marketplace payment solutions.
- Mobile and online payment optimization.
Why BlueSnap is Suitable for International Use
BlueSnap simplifies global expansion by offering multi-currency acceptance, localized payment methods, and seamless compliance with international regulations. Its unified platform ensures smooth payment processing worldwide.
Supported Payment Methods
- Credit/debit cards (Visa, Mastercard, AMEX)
- PayPal and digital wallets
- Bank transfers
- Recurring billing and subscription payments
Integrations
- Shopify, WooCommerce, Magento
- Mobile apps via SDKs
- ERP and accounting systems
- Marketplaces and SaaS platforms
Website/URL
16. Paytm
Paytm, founded in 2010 in India, is a popular digital wallet and payment gateway for online and mobile payments. Beginners will find it extremely user-friendly for domestic and international transactions. Paytm has expanded its services to include UPI, credit/debit cards, and cross-border merchant solutions.
Paytm supports businesses of all sizes, offering tools for invoicing, recurring billing, and e-commerce integration. It is particularly beneficial for Indian merchants looking to sell globally while accepting payments in multiple currencies.
Unique Features for International Payments
- Multi-currency payment acceptance.
- Supports UPI, wallets, and international cards.
- Recurring billing and subscription management.
- Fraud detection and secure payment processing.
- Payment links for cross-border clients.
- Mobile-first platform for ease of use.
- Integration with marketplaces and e-commerce platforms.
Why Paytm is Suitable for International Use
Paytm enables Indian businesses to accept international payments efficiently. Its support for multiple payment methods and currencies helps merchants expand globally while maintaining a seamless checkout experience.
Supported Payment Methods
- Credit/debit cards (Visa, Mastercard, AMEX)
- UPI, Paytm Wallet
- Digital wallets and bank transfers
- Recurring payments
Integrations
- Shopify, WooCommerce, Magento
- Mobile apps and SDKs
- Marketplaces
- Accounting software
Website/URL
17. Instamojo
Instamojo, founded in 2012 in India, is a simple online payment gateway catering to small businesses, startups, and digital entrepreneurs. For beginners, it provides an intuitive dashboard to create payment links, sell products online, and receive payments without complex setup.
The platform supports a variety of payment methods and has become especially popular for Indian businesses expanding into global markets. It also includes features like invoicing, recurring payments, and online store creation, making it a one-stop solution for small-scale international sellers.
Unique Features for International Payments:
- Multi-currency payment support
- Easy creation of payment links for international clients
- Recurring billing and subscription management
- Integration with global marketplaces
- Fraud detection and secure transactions
- Mobile-friendly dashboard for global payments
- Real-time payment tracking and reporting
Why Instamojo is Suitable for International Use:
Instamojo enables small businesses to accept international payments easily with minimal technical knowledge. Its multi-currency support and payment links simplify cross-border transactions for freelancers and SMEs.
Supported Payment Methods:
- Credit/debit cards (Visa, Mastercard, AMEX)
- UPI and bank transfers
- Digital wallets (Paytm, Mobikwik)
- Recurring payments
Integrations:
- Shopify, WooCommerce
- Custom websites via API
- Mobile apps and invoicing tools
- Marketplaces
Website/URL:
18. CCAvenue
CCAvenue, founded in 2001 in India, is one of the largest payment gateways in South Asia. For beginners, it provides a robust platform to accept online payments globally, with a focus on e-commerce, subscriptions, and multi-currency processing.
CCAvenue offers extensive customization, fraud protection, and real-time reporting tools. Its multi-currency checkout option and support for local payment methods make it a preferred choice for merchants targeting both domestic and international markets.
Unique Features for International Payments:
- Supports 27+ currencies for global transactions
- Multi-language and multi-currency checkout pages
- Recurring billing and subscription support
- Advanced fraud detection and PCI compliance
- Integration with global marketplaces
- Payment links for international clients
- Real-time analytics for cross-border sales
Why CCAvenue is Suitable for International Use:
CCAvenue’s multi-currency and localized payment solutions simplify global sales for businesses. Its fraud prevention measures and flexible settlement options make it safe and reliable for international operations.
Supported Payment Methods:
- Credit/debit cards (Visa, Mastercard, AMEX)
- Net banking and UPI
- International digital wallets
- Recurring and subscription payments
Integrations:
- Shopify, WooCommerce, Magento
- Mobile apps via SDK
- Accounting and ERP software
- Marketplaces
Website/URL:
19. ANZ eGate
ANZ eGate, launched by Australia and New Zealand Banking Group, is a secure online payment gateway for businesses in the Asia-Pacific region and beyond. Beginners will find it straightforward to set up and manage transactions with multi-currency support and advanced fraud protection.
The platform supports both online and in-person payments and is widely used by businesses aiming to expand globally. Its reporting and reconciliation tools simplify international accounting processes.
Unique Features for International Payments:
- Multi-currency processing for global clients
- Secure fraud detection and PCI compliance
- Recurring billing and subscription management
- Integration with e-commerce platforms and marketplaces
- Multi-channel payments: online, mobile, POS
- Detailed reporting for cross-border transactions
- Localized checkout experience in multiple currencies
Why ANZ eGate is Suitable for International Use:
ANZ eGate’s multi-currency support and robust security features make it ideal for businesses targeting Asia-Pacific and global markets. It ensures safe, efficient, and compliant cross-border transactions.
Supported Payment Methods:
- Credit/debit cards (Visa, Mastercard, AMEX)
- Bank transfers and direct debit
- Recurring payments
- POS and mobile payment options
Integrations:
- Shopify, WooCommerce, Magento
- Accounting platforms
- Mobile apps and POS systems
- Marketplaces
Website/URL:
20. Sokin
Sokin, founded in 2019, is a fintech platform that focuses on global money transfers and multi-currency payments for businesses. For beginners, it acts as both a payment gateway and a cross-border transaction platform, providing instant settlement and transparent fees.
Sokin’s key advantage is its real-time international transfers with competitive foreign exchange rates, making it ideal for businesses managing multiple markets and suppliers globally.
Unique Features for International Payments:
- Multi-currency wallets for businesses
- Real-time cross-border payments
- Competitive FX conversion rates
- Bulk payment processing for vendors
- Integration with accounting and ERP systems
- Secure and compliant global payment platform
- Payment tracking and analytics
Why Sokin is Suitable for International Use:
Sokin simplifies global transactions with fast and low-cost cross-border payments. Its multi-currency accounts and bulk payment capabilities make it ideal for international businesses.
Supported Payment Methods:
- Bank transfers in multiple currencies
- Credit/debit cards
- Digital wallets
- Bulk international payments
Integrations:
- Accounting software
- ERP systems
- Payment links and APIs for websites
- Marketplaces and mobile apps
Website/URL:
21. FastSpring
FastSpring, founded in 2005, is a full-service e-commerce platform designed for software, SaaS, and digital product businesses. For beginners, it provides a straightforward way to sell online internationally, handling payments, subscriptions, and taxes in multiple regions.
The platform offers a hosted checkout, global tax management, and subscription management tools. Its strength lies in supporting digital businesses with international reach, automating currency conversion, and compliance with global regulations.
Unique Features for International Payments
- Supports 150+ currencies
- Automated currency conversion at checkout
- Subscription and recurring billing management
- Global tax and VAT handling
- Fraud protection and PCI compliance
- Multi-language checkout pages
- Detailed reporting for international sales
Why FastSpring is Suitable for International Use
FastSpring enables businesses to sell digital products worldwide without needing multiple merchant accounts. Its multi-currency support, tax automation, and secure payment processing make cross-border transactions simple.
Supported Payment Methods
- Credit/debit cards (Visa, Mastercard, AMEX)
- PayPal
- Wire transfers
- Recurring billing and subscriptions
Integrations
- SaaS platforms
- Custom websites via API
- Mobile apps
- Marketplaces
Website/URL
22. Payline
Payline, founded in 2004, is a U.S.-based payment gateway offering solutions for online, in-store, and mobile payments. Beginners find it user-friendly, with a focus on small to medium-sized businesses looking to accept international payments.
Payline provides competitive rates, robust fraud protection, and flexible integration options. Its international capabilities include multi-currency processing and secure cross-border transactions.
Unique Features for International Payments
- Multi-currency support for global customers
- Secure fraud prevention tools
- Recurring billing for subscriptions
- PCI-compliant processing
- Mobile and online payment acceptance
- Real-time transaction reporting
- Payment gateway API for global integration
Why Payline is Suitable for International Use
Payline simplifies international payments for small and medium businesses, supporting multiple currencies and secure global transactions without complex setups.
Supported Payment Methods
- Credit/debit cards (Visa, Mastercard, AMEX, Discover)
- ACH payments
- Digital wallets
- Recurring billing
Integrations
- E-commerce platforms: Shopify, WooCommerce, Magento
- Mobile apps
- Accounting software
- Custom websites via API
Website/URL
23. Helcim
Helcim, founded in 2006 in Canada, is a payment gateway and merchant account provider known for transparent pricing and strong international features. Beginners appreciate its simple setup, competitive fees, and real-time reporting dashboard.
Helcim is popular among SMEs looking to expand globally, offering multi-currency support, recurring billing, and online invoicing. Its transparent pricing model makes it easier for businesses to manage international sales without hidden fees.
Unique Features for International Payments
- Supports 25+ currencies for international transactions
- Multi-currency pricing for products
- Recurring billing and subscription management
- Fraud protection and PCI compliance
- Online invoicing with multi-currency support
- Transparent interchange-plus pricing
- Integration with marketplaces and e-commerce platforms
Why Helcim is Suitable for International Use
Helcim simplifies cross-border transactions with multi-currency support, automated invoicing, and secure payment processing. Its clear pricing and international capabilities make it ideal for growing businesses.
Supported Payment Methods
- Credit/debit cards (Visa, Mastercard, AMEX, Discover)
- ACH payments
- Recurring billing
- Online invoicing
Integrations
- Shopify, WooCommerce, Magento
- Accounting software
- Mobile apps
- Custom websites via API
Website/URL
24. AlliedWallet
AlliedWallet, founded in 2003, is a global payment processor that focuses on e-commerce, gaming, and travel industries. For beginners, it offers a versatile platform with international payment processing, fraud protection, and multiple currency support.
The platform provides merchant accounts, payment links, and mobile integration, making it suitable for businesses looking to operate worldwide. Its global payout options and multi-currency capabilities make international operations seamless.
Unique Features for International Payments
- Supports 18+ currencies for global payments
- Multi-currency settlement accounts
- Recurring billing and subscription management
- Fraud protection and PCI compliance
- Mobile and online payment processing
- Payment links for cross-border clients
- Global payout options for merchants
Why AlliedWallet is Suitable for International Use
AlliedWallet makes it easy for businesses to manage global payments with multi-currency accounts and secure cross-border transactions. Its platform is ideal for e-commerce, travel, and gaming industries.
Supported Payment Methods
- Credit/debit cards (Visa, Mastercard, AMEX, Discover)
- PayPal
- ACH and wire transfers
- Recurring billing
Integrations
- Shopify, WooCommerce, Magento
- Mobile apps
- Custom websites via API
- Marketplaces
Website/URL
25. SecurePay
SecurePay, founded in 1996 and based in Australia, is a reliable payment gateway for online, in-store, and recurring payments. For beginners, it provides an easy-to-use platform with strong security features and multi-currency support, making it suitable for businesses targeting both domestic and international customers.
SecurePay offers a range of solutions including hosted payment pages, direct API integration, and subscription management. Its robust fraud protection and compliance tools ensure safe transactions across borders.
Unique Features for International Payments:
- Supports multi-currency transactions
- Secure online payments with PCI compliance
- Recurring billing and subscription support
- Fraud detection and prevention tools
- Multi-channel payments: online, mobile, POS
- Real-time reporting for cross-border transactions
- Integration with e-commerce platforms and marketplaces
Why SecurePay is Suitable for International Use:
SecurePay simplifies global payments with multi-currency support, secure transactions, and subscription management. It is ideal for businesses looking to sell internationally with confidence.
Supported Payment Methods:
- Credit/debit cards (Visa, Mastercard, AMEX)
- Digital wallets
- Recurring billing
- Direct bank transfers
Integrations:
- Shopify, WooCommerce, Magento
- Mobile apps and POS systems
- Accounting software
- Custom websites via API
Website/URL:
26. HDFC SmartGateway
HDFC SmartGateway, developed by HDFC Bank in India, is a secure online payment gateway tailored for both domestic and international transactions. Beginners can easily set up the platform to accept payments online with features like recurring billing and multi-currency processing.
HDFC SmartGateway is widely used by Indian businesses selling internationally. It provides advanced fraud protection, PCI compliance, and seamless integration with websites and mobile apps.
Unique Features for International Payments:
- Multi-currency support for global clients
- Secure online payment processing
- Recurring billing and subscription management
- Fraud detection and PCI compliance
- Payment links for cross-border transactions
- Integration with mobile apps and e-commerce platforms
- Real-time reporting for international sales
Why HDFC SmartGateway is Suitable for International Use:
HDFC SmartGateway enables Indian merchants to sell globally with secure multi-currency transactions. Its platform handles international card payments and provides tools to simplify cross-border compliance.
Supported Payment Methods:
- Credit/debit cards (Visa, Mastercard, AMEX)
- Net banking
- Digital wallets
- Recurring payments
Integrations:
- Shopify, WooCommerce, Magento
- Mobile apps and POS systems
- Accounting software
- Custom websites via API
Website/URL:
27. Zen
Zen, founded in 2013, is a modern payment gateway focused on providing simple and secure global payment solutions for businesses of all sizes. For beginners, Zen offers an intuitive interface to manage online and mobile payments, with multi-currency support and international settlements.
Zen emphasizes fast onboarding, fraud prevention, and seamless integration with e-commerce and mobile platforms. Its platform is designed to help businesses expand globally with ease.
Unique Features for International Payments:
- Multi-currency payment acceptance
- Secure online transactions with PCI compliance
- Recurring billing and subscription management
- Fraud detection and risk management
- Global payout options
- Integration with e-commerce platforms and marketplaces
- Real-time reporting and analytics for cross-border sales
Why Zen is Suitable for International Use:
Zen simplifies cross-border payments by offering multi-currency support, secure processing, and easy integration with global platforms. It is ideal for businesses looking to sell internationally with confidence.
Supported Payment Methods:
- Credit/debit cards (Visa, Mastercard, AMEX)
- Digital wallets
- Bank transfers
- Recurring billing
Integrations:
- Shopify, WooCommerce, Magento
- Mobile apps and POS systems
- Accounting and ERP software
- Custom websites via API
Website/URL:
My Experience With Payment Gateways
Personal story of testing multiple gateways for an eCommerce store
I ran a cross-border DTC store (AOV ~$48) selling in the U.S., EU, and India. We piloted Stripe, PayPal, Adyen, BlueSnap, Airwallex, Razorpay, and PayU in waves to balance acceptance, costs, and engineering time.
- Phase 1 (fast launch): Stripe (cards) + PayPal (wallet). Time-to-live was under a week with webhooks and a basic fraud ruleset.
- Phase 2 (cost optimization): We added Airwallex for better FX on EUR/GBP settlements and Razorpay for India domestic rails.
- Phase 3 (scale): For seasonal peaks in the EU, we tested Adyen to lift authorization rates via local acquiring.
Challenges with hidden fees, settlement times, and integrations
- Hidden cross-border costs: The biggest surprise wasn’t headline MDR; it was FX margins (0.5%–2.0%) and extra cross-border adders (+0.5%–1%).
- Chargeback overhead: Fees ($15–$25) were one thing; the real cost was operations time gathering evidence and updating dispute playbooks.
- Settlement predictability: Payout calendars matter when you scale marketing. T+2 vs. T+5 can be the difference between capturing a trend and missing it.
- Integration drag: Subscription logic, retries, and tax compliance (esp. EU digital services) took more time than the initial card charge integration.
Which gateway provided the best balance of cost and convenience
For our stack, Stripe hit the best overall balance: fast to build, reliable webhooks, solid risk tooling, and easy expansion to additional methods when needed. Pairing PayPal improved checkout conversion in key markets, while Airwallex reduced FX slippage. In India, Razorpay won on local acceptance and smooth settlements.
The Data and Statistics Behind Payment Gateways in 2025
Global eCommerce transaction volumes
- Retail eCommerce sales are projected around $7.2–$7.6 trillion in 2025 globally (expert estimate).
- Card-not-present (CNP) now accounts for the majority of online volume, with mobile originating ~65–70% of transactions.
- Cross-border eCommerce continues to outpace domestic growth (CAGR ~12–15%), putting pressure on FX and fraud controls.
Market share of top providers
Market share is fragmented and varies by metric (installed base, checkout share, processed volume). A reasonable 2025 global online gateway/acquirer presence view (expert estimate):
| Provider | Relative Presence (Online) | Notes |
|---|---|---|
| PayPal | ~22% | Checkout ubiquity; strong consumer preference |
| Stripe | ~18% | High SME/scale-up penetration; developer-led growth |
| Adyen | ~11% | Enterprise, multi-region acquiring strength |
| Worldpay | ~9% | Broad enterprise footprint across verticals |
| Square | ~5% | Omnichannel SMB lead (strong in supported countries) |
| Others (incl. the remaining 22 in this list) | ~35% | Local champions and specialist players |
(Presence approximates share of active online merchants/volume exposure, not a regulatory report.)
Average fees across providers
- Domestic cards: 1.5%–3.5% + fixed fee (country and risk driven).
- Cross-border adders: +0.5%–2.5%.
- Currency conversion (FX) margin: 0.3%–2.0%.
- Chargeback fee: $15–$25 (higher for high-risk).
- Instant payouts: 0.5%–1.5% of payout (when available).
- Monthly fees/gateway fee: $0–$30+ (gateway-only setups often add per-transaction gateway fees).
Trends: crypto acceptance, AI-driven fraud detection, instant payouts
- Selective crypto acceptance: A growing number of gateways offer on-ramp/off-ramp options or settlement in stable value instruments in specific corridors; adoption is measured, not universal, and often merchant-category dependent.
- AI-driven fraud: Machine-learning risk models (behavioral signals, device intelligence, real-time rules) are reducing fraud and lifting authorization rates by ~0.5–2.0 percentage points when tuned.
- Instant payouts & faster funds: Same-day or instant push-to-card/bank options are expanding; by late 2025, instant payout coverage is common in many major markets (fees apply).
- Network tokenization & smart retries: Wider tokenization use and adaptive retry logic are raising successful captures while lowering interchange downgrades.
- Localization wins: Adding local rails in India and selected APAC/LatAm markets continues to lift checkout conversion by 3–8% compared with cards-only flows.
How to choose (actionable framework)
- Map your mix: Countries, currencies, average ticket, subscription vs. one-off, expected disputes.
- Model total cost: Include FX, cross-border adders, chargebacks, and payout fees—not just headline MDR.
- Prioritize acceptance: If you’re enterprise/multi-region, consider Adyen/Worldpay. For dev speed and modularity, Stripe + PayPal is a strong default. For FX-heavy flows, add Airwallex. For India, shortlist Razorpay, PayU, Paytm, CCAvenue, HDFC SmartGateway, Instamojo based on your size.
- Pilot and A/B: Run parallel gateways for a subset of traffic to compare auth rates, chargebacks, and net margin.
- Lock ops early: Define dispute playbooks, payout calendars, and tax handling before scaling ad spend.
Common Pitfalls and What to Avoid
While the gateways above are reliable, businesses often face challenges when expanding globally.
-
Ignoring hidden costs (conversion fees, withdrawal fees)
Many gateways advertise low transaction fees but add currency conversion and withdrawal charges. Always compare total costs, not just headline fees. -
Choosing a gateway not supported in your customers’ region
A gateway may work perfectly in the U.S. but not support local methods in Asia, Africa, or South America. Align your choice with where most customers are located. -
Overlooking settlement times and cash flow delays
Some providers take 3–7 days to release funds. This can impact businesses with tight cash flow. Check settlement cycles before committing. -
Not testing customer support responsiveness
In 2025, customers expect 24/7 uptime. Poor support during disputes or system downtime can cost sales. Test a provider’s support before full-scale adoption.
Frequently Asked Questions
Stripe and Adyen lead the market due to scalability, multi-currency support, and robust fraud protection. For smaller businesses, Payoneer and PayPal remain reliable choices.
Wise Business and Airwallex consistently offer the lowest FX and transfer fees. Paysera is also competitive for European businesses.
Yes. Many companies use a primary gateway (e.g., Stripe) and a secondary one (e.g., PayPal) to ensure redundancy, wider payment method coverage, and customer flexibility.
Some, like Stripe, PayPal, and Checkout.com, have integrated cryptocurrency support. However, adoption varies by region, and regulatory frameworks are still evolving in 2025.
What Our Readers Are Saying
"Stripe’s API made scaling my SaaS effortless."Taro Mori (Osaka, Japan)
"PayPal is still my go-to, especially for quick client payments."Inês Duarte (Porto, Portugal)
"Payoneer changed the way I get paid by overseas clients."Kwame Obeng (Accra, Ghana)
"SecurePay integrates smoothly with my Shopify store."Amelia Hart (Auckland, New Zealand)
"Adyen’s global support gave me peace of mind."Mateo RÃos (Buenos Aires, Argentina)
"I switched to Airwallex and saved a fortune on FX fees."Lena Fischer (Munich, Germany)
Comprehensive Comparison Table of 27 International Payment Gateways (2025)
| # | Payment Gateway | Multi-Currency Support | Key International Features | Payment Methods Supported | Popular Integrations | Website |
|---|---|---|---|---|---|---|
| 1 | PayPal | 100+ | Global brand recognition, Cross-border payments, Fraud protection | Cards, PayPal wallet, Digital wallets | Shopify, WooCommerce, Magento | paypal.com |
| 2 | Stripe | 135+ | Multi-currency checkout, International cards, API flexibility | Cards, Digital wallets, ACH, SEPA | Shopify, WooCommerce, Custom APIs | stripe.com |
| 3 | Square | 100+ | International POS, Multi-currency, Fraud protection | Cards, Digital wallets | Shopify, WooCommerce, POS | squareup.com |
| 4 | Adyen | 150+ | Multi-channel, Risk management, Local payment methods | Cards, Digital wallets, Bank transfers | Shopify, Magento, Custom API | adyen.com |
| 5 | Worldpay | 120+ | Multi-currency accounts, Local acquiring, Cross-border optimization | Cards, PayPal, Local payment methods, Recurring | Shopify, WooCommerce, POS | worldpay.com |
| 6 | Airwallex | 50+ | FX conversion, Virtual accounts, Bulk payments | Bank transfers, Cards, Local payments, Virtual cards | Shopify, WooCommerce, Accounting API | airwallex.com |
| 7 | Braintree | 130+ | PayPal integration, Mobile payments, Multi-currency | Cards, PayPal, Digital wallets, Local payments | Shopify, WooCommerce, Custom APIs | braintreepayments.com |
| 8 | 2Checkout | 100+ | Localized checkout, Subscription billing, Global payout | Cards, PayPal, Digital wallets, Recurring | Shopify, WooCommerce, Mobile SDK | 2checkout.com |
| 9 | Payoneer | 150+ | Multi-currency accounts, Marketplace payouts, Global card | Bank transfers, Cards, Marketplace payouts | Amazon, Fiverr, Upwork | payoneer.com |
| 10 | Authorize.net | Multi-currency | Recurring billing, Fraud detection, Virtual terminal | Cards, eCheck, Digital wallets, Recurring | Shopify, WooCommerce, POS | authorize.net |
| 11 | Sage Pay / Opayo | Multi-currency | Tokenization, Multi-channel, PCI compliance | Cards, PayPal, Direct debit, Digital wallets | Shopify, WooCommerce, Magento | opayo.co.uk |
| 12 | Razorpay | 100+ | Multi-currency, Payment links, API-driven | Cards, UPI, Wallets, Recurring | Shopify, WooCommerce, Mobile SDK | razorpay.com |
| 13 | PayU | 150+ | Emerging market focus, Multi-currency, Fraud prevention | Cards, Bank transfers, Local payments, Recurring | Shopify, WooCommerce, Magento | payu.com |
| 14 | Elavon | 150+ | Multi-country accounts, Multi-currency, POS and online | Cards, Digital wallets, ACH, Recurring | Shopify, WooCommerce, POS | elavon.com |
| 15 | BlueSnap | 100+ | Smart Payment Routing, Marketplace support, Subscription billing | Cards, PayPal, Bank transfers, Recurring | Shopify, WooCommerce, Magento | bluesnap.com |
| 16 | Paytm | Multi-currency | UPI, Mobile-first, International card support | Cards, UPI, Wallets, Recurring | Shopify, WooCommerce, Magento | business.paytm.com |
| 17 | Instamojo | Multi-currency | Payment links, Recurring billing, Mobile-first | Cards, UPI, Wallets, Recurring | Shopify, WooCommerce, Custom APIs | instamojo.com |
| 18 | CCAvenue | 27+ | Multi-language, Multi-currency, Local payment options | Cards, Net banking, Wallets, Recurring | Shopify, WooCommerce, Magento | ccavenue.com |
| 19 | ANZ eGate | Multi-currency | Multi-channel, Fraud protection, Multi-currency checkout | Cards, Bank transfers, Recurring, POS | Shopify, WooCommerce, Magento | anz.com |
| 20 | Sokin | Multi-currency | Multi-currency wallets, Real-time FX, Bulk payments | Bank transfers, Cards, Digital wallets, Bulk payments | Accounting software, ERP, APIs | sokin.com |
| 21 | FastSpring | 150+ | Subscription management, Tax/VAT handling, Multi-language | Cards, PayPal, Wire transfers, Recurring | SaaS platforms, Custom API | fastspring.com |
| 22 | Payline | Multi-currency | Multi-currency, Fraud prevention, API access | Cards, ACH, Digital wallets, Recurring | Shopify, WooCommerce, Magento | payline.com |
| 23 | Helcim | 25+ | Transparent pricing, Multi-currency, Recurring billing | Cards, ACH, Recurring, Online invoicing | Shopify, WooCommerce, Magento | helcim.com |
| 24 | AlliedWallet | 18+ | Global payouts, Multi-currency, Payment links | Cards, PayPal, ACH, Recurring | Shopify, WooCommerce, Magento | alliedwallet.com |
| 25 | SecurePay | Multi-currency | Multi-channel, Fraud protection, Recurring billing | Cards, Wallets, Bank transfers, Recurring | Shopify, WooCommerce, Magento | securepay.com.au |
| 26 | HDFC SmartGateway | Multi-currency | Multi-currency, Recurring billing, Fraud detection | Cards, Net banking, Wallets, Recurring | Shopify, WooCommerce, Magento | hdfcbank.com |
| 27 | Zen | Multi-currency | Multi-currency, Fraud protection, Recurring billing | Cards, Wallets, Bank transfers, Recurring | Shopify, WooCommerce, Magento | zen.com |
Conclusion
In 2025, the global payments landscape offers a wide variety of reliable international payment gateways, each with unique advantages tailored to different business needs.
For startups and SMEs, platforms like Instamojo, Razorpay, and FastSpring offer simplicity, payment links, and multi-currency support.
For large enterprises, Worldpay, Adyen, Braintree, and Stripe provide robust infrastructure, global compliance, and advanced API integrations.
For marketplace sellers and freelancers, Payoneer, PayPal, and AlliedWallet excel in multi-currency payouts and integration with international marketplaces.
For Indian businesses expanding globally, Paytm, CCAvenue, and HDFC SmartGateway provide localized solutions combined with international reach.
Key factors to consider when choosing a payment gateway include:
- Multi-currency support – ensures smooth international transactions.
- Fraud protection – essential for global trust.
- Integration options – compatibility with e-commerce, mobile, and accounting platforms.
- Recurring billing and subscriptions – important for SaaS and digital products.
- Ease of use and support – critical for beginners and international operations.
By evaluating these factors against your business size, market, and customer base, you can select the most suitable payment gateway to grow your global presence efficiently and securely.