Best Payment Gateways for WooCommerce: Top 10 Picks

When starting an online store, one of the most crucial decisions you’ll have to make is which WooCommerce payment gateway to use.

Do you choose Stripe or PayPal despite their fees and limitations? Do you choose an alternative that has a narrower scope or a smaller audience?

Or do you use all of them?

If you’re asking yourself these questions, we’ve got your cover.

In this article, we’ll look at 10 of the best payment gateways for WooCommerce, including their fee, payment methods, and other features to help you make an informed decision.

So let’s get started!

What is a WooCommerce Payment Gateway?

A WooCommerce payment gateway manages transactions for your online store, allowing customers to make purchases securely and seamlessly.

Acting as a middleware between your WooCommerce store and financial institutions, it ensures that transactions are processed swiftly and with maximum security.

When a customer reaches the checkout page and proceeds with a purchase, the payment gateway safely gathers their payment details, verifies the transaction, and transfers the funds from the customer’s account to your store’s account.

Here is How WooCommerce Payment Gateway Works

• Customer initiates payment – They choose a product, proceed to checkout, and submit their order.
• Payment details are sent securely – The payment gateway encrypts and transmits the customer’s payment information.
• Transaction authorization – The gateway verifies and approves the transaction.
• Bank processes the payment – The gateway communicates with the customer’s bank to facilitate the payment.
• Funds are transferred – Once authorized, the money moves from the customer’s account to the store.
• Payment confirmation – Both the customer and the store get a confirmation of the successful transaction.

Now, look at why you need to add a perfect payment gateway to your store.

Why Adding Payment Gateways to Your WooCommerce Store?

A reliable payment gateway isn’t just a convenience—it’s essential. Ensuring a secure payment solution means putting your customers first.

With a secure, flexible, and efficient payment system, customers gain confidence in your store. When they feel safe making purchases, they’re far more likely to complete their orders.

However, the built-in payment options in WooCommerce are quite limited, offering only bank transfers, check payments, and cash on delivery.

Thankfully, you can expand your payment options by integrating third-party WooCommerce payment gateways, allowing you to offer a broader range of payment opportunities, such as:

• Accept payments from major card providers like Visa, Mastercard, American Express, and Discover.
• Supports one-time and recurring payments.
• Enable payments through PayPal, Apple Pay, Google Pay, and Amazon Pay for a seamless checkout experience.
• Offer flexible payment solutions like Klarna, Afterpay, and Affirm to boost conversions.
• Accept Bitcoin, Ethereum, and other digital currencies via crypto-friendly gateways.

How to Choose WooCommerce Payment Gateways

The following are some key factors to consider when choosing a WooCommerce payment gateway.

• Transaction Fees – Are there any setup costs, monthly fees, or per-transaction charges that could impact your profit margins? The lower, the better.
• Support Multiple Payment Methods – Can customers pay via credit/debit cards, PayPal, Apple Pay, Google Pay, or Buy Now Pay Later (BNPL) options?
• Security Measures – Does it have encryption, fraud detection, and secure authentication to protect transactions?
• Support International Payment – Can customers pay in different currencies, and does it support global transactions?
• Payout – Does the gateway offer instant or same-day payouts, or will you have to wait several days to receive your funds?
• Checkout Experience – Does it offer a smooth, mobile-optimized, and hassle-free checkout process to reduce cart abandonment?
• Customer Support – Is there 24/7 support, live chat, or a dedicated account manager in case issues arise?
• Recurring Payments – If you sell subscriptions or memberships, does the gateway support automatic recurring billing?
• WooCommerce Compatibility – Does the payment gateway seamlessly integrate with WooCommerce and its extensions?

10 Best Payment Gateways for WooCommerce

Here are some of the best payment gateways you can use with WooCommerce:

1. Stripe

Stripe is the popular payment gateway for collecting credit card payments on your website. WooCommerce includes built-in support for Stripe as a payment gateway.

It supports all popular credit and debit cards. Your customers can also make payments with Apple Pay, Google Pay, and Alipay.

Furthermore, Stripe is available in over 47 countries and supports 135 different currencies. Stripe does not have any setup or annual fees. However, it does charge 2.9% + 30¢ each transaction.

It also offers a more convenient checkout experience. Your customers stay on your site during the checkout process, and it runs seamlessly on both mobile and desktop devices.

In addition, Stripe also offers recurring payments and is compatible with all subscription and WordPress membership plugins.

Instead of using WooCommerce’s default Stripe addon, we recommended installing the free Stripe Payment Gateway for WooCommerce plugin. This plugin offers additional features such as an easy onboarding process, quick checkout using Google and Apple Pay, and more.

Transaction Fees

2.9% + $0.30 per successful transaction. The international per-transaction fee is 1.5%.

Payment Methods

Stripe supports over 100+ payment methods, including credit and debit cards, Apple Pay, Visa, Google Pay, and others.

2. PayPal

After Stripe, PayPal is one of the world’s most popular and trusted online payment services.

When you integrate PayPal with your WooCommerce store, customers can pay with their PayPal balance, linked bank accounts, or credit/debit cards. Even more, if you have your customers in Europe and Latin America, they can also pay through iDeal and Mercado Pago.

It’s a go-to option for many online businesses because of its simple process and payment options. It supports 200+ countries and 25+ currencies and even offers local payment options for many regions.

Furthermore, through its PayPal.Me features, you can create a personalized payment link and share it with your clients via text message, social networks, or any other tool, and receive payment instantly.

By offering PayPal as a payment gateway on your WooCommerce site, you can reach a broad audience, including those who prefer using PayPal for online purchases.

Remember that PayPal’s fees may be greater than those of other payment gateways. Make sure to investigate this aspect and determine whether the additional cost adds value to your store.

Transaction Fees

2.9% + $0.30 per transaction made with a PayPal debit or credit card, with an extra 1.5% for international transactions.

Payment Methods

PayPal accepts payments from your bank account, Visa, MasterCard, Discover, American Express, and PayPal Cash. Overall, there are more than 21 methods.

3. Square

Square is another good payment gateway for WooCommerce stores, particularly those that offer physical locations, delivery, and other selling options. That is because they also sell terminals and credit card readers, which allow you to take payments in person.

Currently, Square is available in the US, UK, Canada, Australia, and Japan. The transaction cost varies by country but offers a fixed transaction rate.

The WooCommerce Square Extension synchronizes products between your website and your Square account. You can also upload products to your Square account, which will then be linked to your WooCommerce store.

Furthermore, it also supports recurring payments when combined with the WooCommerce Subscriptions extension.

Transaction Fees

2.6% + $0.10 per in-person transaction. 2.9% + $0.30 per online transaction.

Payment Methods

Square supports debit and credit cards, Apple Pay, Android Pay, Google Pay, Samsung Pay, ACH payments, Cash App Pay, Square gift cards, checks, and other payment types.

4. Authorize.net

Authorize.Net is a popular payment gateway that is slightly more enterprise-friendly than alternatives like PayPal and Square. It allows you to take credit card payments and PayPal through your website.

The main disadvantage of using Authorize.Net is the $25 monthly cost on top of the standard 2.9% + $0.30 per transaction. It isn’t much, but it’s something to consider. However, for your money, you have access to one of the strongest anti-fraud systems around – which could be worthwhile if you process a lot of sales.

The gateway also supports recurring payments for WooCommerce subscriptions. It is easy to use and allows users to save and reuse their payment methods.

Ultimately, Authorize.Net can be a good alternative to PayPal if you don’t want to use it directly. Additionally, it allows users to pay via PayPal without leaving your website.

In our experience, integrating Authorize.Net with WooCommerce is rather simple. You only need an Authorize.Net account and the correct extension to get started.

Transaction Fees

$25 monthly gateway fee + 2.9% + $0.30 per transaction.

Payment Methods

Authorize.net accepts Visa, MasterCard, Discover, American Express, JCB, PayPal, Apple Pay, eCheck, and many other payment types.

5. Apple Pay

Apple Pay is a fast, secure, and easy-to-use payment option for WooCommerce stores. It’s designed for iPhone, iPad, Mac, and Apple Watch users, allowing them to make purchases with just one tap or Face ID instead of manually entering card details. This smooth checkout process helps reduce abandoned carts, making it a great choice for online stores that want to increase sales.

One of the biggest benefits of Apple Pay is its strong security. It uses encryption technology to protect payment details, so customer card information is never stored or shared. Apple Pay also supports multiple currencies, making it a great option for WooCommerce stores that sell to customers worldwide.

Setting up Apple Pay in WooCommerce is simple, especially when using plugins like WooCommerce Payments, Stripe, or Square, which have built-in support for it. Aside from the usual processing charges from your payment provider, there are also no extra fees, making it a budget-friendly option.

Apple Pay is especially useful for mobile-friendly businesses because it allows quick, one-click payments on iPhones and other Apple devices. As more people shop on their phones, adding Apple Pay can speed up checkout, improve security, and make shopping easier for your customers.

Transaction Fees

No fees other than what card companies charge

Payment Methods

Most debit and credit cards are accepted. You can also accept in-person cash with Apple Cash (US only).

6. Amazon Pay

Next on our list of the best payment gateways for WooCommerce is Amazon Pay. It is a payment mechanism provided by the world’s largest online retailer, Amazon.

With Amazon Pay, you can give your customers a payment option through your Amazon account. Usually, account validation requires only your email address and password. At the same time, you must have an active Amazon account; there are no further requirements.

The main benefit is that you do not have to enter payment information on the third-party website. Amazon serves as a vital link between a customer and an online store. The end user is not charged to create or use his account.

Payment can be made by credit card or direct debit to your Amazon account, depending on how you set it up.

Aside from that, this payment gateway is a good choice for multi-currency stores. Additionally, it allows customers to check out without leaving the page.

When it comes to WooCommerce integration, things are straightforward. There is an official Amazon Pay extension available, and as long as you already have an account there, the setup process is simple.

Transaction Fees

2.9% + $0.30 per domestic transaction

Payment Methods

Amazon Pay accepts credit and debit cards. Accepted credit cards include Visa, Mastercard, Discover, American Express, Diners Club, and JCB.

7. Razorpay

If you’re running an eCommerce business in India, Razorpay is a top option for payment gatway. It is used by many big names such as Reliance, Nykaa, Swiggy, FirstCry, Zomato, and others.

It’s an established payment gateway for online payments that allows all kinds of businesses to accept, process & disburse payments with its wide range of product suites.

Along with a payment gateway, Razaorpay also provides payment links & payment pages that enable small businesses & freelancers to get paid quickly.

To integrate RazorPay with WooCommerce, you can use the official Razorpay payment gateway plugin for WooCommerce.

At the moment, Razorpay is certainly the best WooCommerce payment gateway in India.

Transaction Fees

Flat 2% fee for all transactions

Payment Methods

Razorpay supports over 100 different payment modes, including all major credit and debit cards, UPI payments, 70+ net banking options, and mobile wallets such as Amazon Pay, Phonepe, JioMoney, Freecharge, MobiKwik, and Airtel Money.

Along with domestic payments, Razorpay supports international payments in over 100 foreign currencies, with real-time currency conversion. All settlements are in INR.

8. Braintree

Braintree, a payment gateway owned by PayPal, is a great option for WooCommerce store owners who need a secure, flexible, and easy-to-integrate payment solution. It provides a smooth checkout experience and supports multiple payment methods, including credit and debit cards, PayPal, and more. One of its biggest benefits is its global payment support, allowing businesses to accept payments in over 130 currencies across 45+ countries—making it an excellent choice for international online stores.

Braintree also prioritizes security, offering features like fraud protection, PCI compliance, and tokenization to keep transactions safe. WooCommerce users can easily integrate Braintree using its official plugin, which enables real-time payment processing and built-in support for recurring payments—perfect for businesses offering subscriptions or memberships.

However, Braintree is best suited for businesses with some technical know-how, as it provides advanced tools for customizing the checkout process. While small businesses can still use it, larger and growing eCommerce brands may benefit the most from its developer-friendly features.

Transaction Fees

2.9% + $0.30 per transaction

Payment Methods

Braintree supports a number of payment modes, including credit cards, debit cards, PayPal, Apple Pay, Google Pay, Venmo, and ACH direct debit.

9. Skrill

Skrill combines a payment gateway and an online wallet, allowing business owners to accept payments via several methods, including cryptocurrency.

It has been around for a while and has earned a reputation for dependability that few other solutions can match. It does not have the same profile as Stripe but is just as effective.

For store owners, Skrill provides a hosted payment gateway that processes all transactions. Put the payment button on your checkout page, and Skrill will handle the rest.

To integrate Skrill with WooCommerce, you can use their official payment plugin – this only requires you to have a Skrill account before you can start.

Transaction Fees

1% fee for card payments, 0% for bank payments

Payment Methods

Direct payments, credit and debit cards, crypto, Skrill wallet, and dozens of local payment methods depending on region.

10. WooPayments

WooPayments is a payment system offered by the people behind WooCommerce. It provides a better checkout experience and a fully integrated payment gateway for your store.

WooPayments is currently supported in 38 countries. Plus, you can accept payments in 135+ currencies.

It charges 2.9% + $0.30 every transaction for U.S.-issued cards. There is an additional 1% fee for cards issued outside of the United States. This makes it a little more expensive than other solutions.

It’s worth noting that this solution is basically a white-label version of Stripe, but it’s easier and simpler to set up.

Furthermore, by incorporating WooCommerce Subscriptions into the mix, you can boost your bottom line and use the power of recurring revenue.

Whether you’re selling memberships, accepting installments, or making it easier for customers to reorder their favorite products, WooPayments’ integrated dashboard simplifies subscription payment management.

Transaction Fees

2.90% + $0.30 per local transaction for US-issued cards

Payment Methods

WooPayments supports a number of payment options, including credit and debit cards, express checkout, local payment, tap-to-pay payment methods, and more.

Final Thoughts

In most cases, customers who shop at your online store will have a preferred payment method. If you do not support it, customers can decide to shop elsewhere.

As a result, choosing the right WooCommerce payment gateway is important. This is also why, in most cases, we recommended integrating more than one option.

As for the best payment gateway for WooCommerce, here are our top five picks:

• Stripe: This developer-friendly option allows you to take credit cards, mobile payments, and more.
• PayPal: If you’re only going to use a single payment gateway, this should be it.
• Square: With Square, you can accept credit cards and mobile payments.
• Authorize.Net: Authorize.net allows you to accept credit cards and PayPal, but there is a small monthly cost.
• Amazon Pay: This payment gateway supports credit cards as well as Amazon Pay.

With these top options narrowed down, you can now confidently select the WooCommerce payment gateway that best meets your online store needs.

We hope this article helped you find the best payment gateway for your WooCommerce store.

For more, check out these other helpful resources:

• How to Start an Online Store (Beginners Guide)
• 25 Best WooCommerce Plugins for Your eCommerce Store
• 19 Best Free WooCommerce Themes For Your Online Store
• Top 8 WordPress eCommerce Plugins for Your Online Store
• 12 Best WordPress Payment Plugins For Easy Online Transactions

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