15 Best E-Commerce Payment Gateways for 2026: A Complete Comparison

• Supports the global and local payment methods your specific customer base actually uses across regions.
• Encrypts sensitive customer data and meets PCI-DSS compliance and global industry standards for data security.
• Delivers seamless integration with your ecommerce platform without added developer cost or configuration overhead.
• Loads fast on mobile app and desktop, protecting the user experience at every checkout step.
• Prevents data breaches through tokenization and end-to-end encryption across every online transaction processed.
• Gives online businesses full visibility into transaction details, chargebacks and settlement status in one dashboard.
• Routes digital payments from the customer's bank to your merchant account securely and in real time.

• D2C Conversion-Focused Checkout Solutions: These are purpose-built for ecommerce brands that need more than payment processing from their checkout infrastructure. Kwik Checkout is a strong example, combining checkout speed, RTO fraud intelligence, and post-purchase recovery in one connected system.
• Hosted Payment Gateways: The shopper completes payment on the gateway provider's page, outside your store entirely. Setup is fast and PCI DSS compliance responsibility sits with the provider, but you surrender full control over the customer experience and brand consistency at the payment step. The Payment Card Industry Data Security Standard (PCI DSS) is a set of global standards designed to protect sensitive customer data and payment information
• Self-Hosted or API-Based Payment Gateways: The payment process runs entirely on your own storefront. You control the full checkout experience and payment data flow, but you need developer resources to build and maintain the integration correctly to meet PCI DSS and data security standards.
• Platform-Integrated Payment Gateways: These are built directly into your ecommerce platform, such as Shopify Payments or WooCommerce Payments. They reduce setup time significantly and eliminate transaction fees charged for third-party processors, but they tie your payment options tightly to one platform ecosystem.

• Comprehensive Payment Method Support: The platform must natively support all global and local payment methods your specific customer base actively uses across different regions.
• Stringent Data Encryption and Compliance: It must securely encrypt sensitive card data to meet strict global PCI-DSS compliance standards and prevent costly data breaches.
• Native Ecommerce Platform Integration: Choosing a gateway that integrates seamlessly with your existing platform eliminates unnecessary configuration overhead and added developer costs.
• Mobile-First Loading Speeds: The checkout interface must load instantly on mobile devices to protect the user experience and keep card-not-present shoppers from closing the tab.
• Reliable Settlement Timelines: The processor needs to route digital payments and settle merchant funds on a predictable timeline that actively protects your day-to-day cash flow.

What are the key features of Stripe?

• Advanced fraud detection tools via Stripe Radar using machine learning models to reduce false declines
• Strong subscription billing and recurring payment processing capabilities for SaaS and memberships

What are the pros and cons of Stripe?

What are the key features of PayPal?

• Buyer protection programs that increase shopper confidence on unfamiliar online stores
• Native BNPL through Pay Later, reducing cart abandonment rates on high-ticket items
• Supports major credit card payments, digital wallets, and PayPal balance in one interface

What are the pros and cons of PayPal?

What are the key features of Adyen?

• Supports 250+ payment methods across 150+ currencies for international payments at enterprise scale
• Dynamic machine learning fraud models that improve authorization rates while reducing false declines

What are the pros and cons of Adyen?

What are the key features of Klarna?

• Pay Later, Pay in 3 and Pay Now options covering the full spectrum of alternative payment methods
• Klarna's brand recognition drives conversion rates for shoppers who actively look for BNPL at checkout

What are the pros and cons of Klarna?

What are the key features of Braintree?

• Accepts PayPal, Venmo, major credit cards and digital wallets in over 200 markets worldwide
• PCI DSS Level 1 compliance with built-in fraud detection and payment data orchestration tools

What are the pros and cons of Braintree?

What are the key features of Amazon Pay?

• One-click checkout using stored Amazon shipping address and payment information for existing users
• Amazon's A-to-Z Guarantee provides buyer protection that builds trust on smaller online stores
• Integrates with Shopify, WooCommerce and Magento with a simple plugin-based setup

What are the pros and cons of Amazon Pay?

What are the key features of PayU?

• Supports 100+ payment methods including UPI, credit cards, debit cards, wallets and cardless EMI
• Dynamic routing that automatically selects the best-performing payment gateway for each transaction
• Built-in fraud detection and risk management tools designed for Indian transaction patterns

What are the pros and cons of PayU?

What are the key features of 2Checkout (Verifone)?

• Accepts credit card payments, debit cards and PayPal across 200+ countries and 100 currencies
• Subscription and recurring billing tools designed specifically for digital goods and SaaS products
• Checkout localization across 15 languages and 26 currencies for international payments conversion

What are the pros and cons of 2Checkout (Verifone)?

What are the key features of Square?

• Unified POS and online payment processing in one platform with synced inventory
• No monthly fees for standard online transactions, with flat-rate transaction fees per sale
• Built-in loyalty tools, appointment scheduling and customer data reporting alongside payments

What are the pros and cons of Square?

What are the key features of Shopify Payments?

• Built-in fraud protection tools and chargeback management within the Shopify dashboard
• Supports Shop Pay, Apple Pay and Google Pay for accelerated checkout process on mobile

What are the pros and cons of Shopify Payments?

What are the key features of WooCommerce Payments?

• Supports major credit card payments, digital wallets and multi-currency online transactions
• Powered by Stripe's infrastructure, providing PCI DSS compliance and built-in fraud protection

What are the pros and cons of WooCommerce Payments?

What are the key features of Pine Labs?

• Unified payment processing across online checkout and physical store POS systems
• Supports cards, UPI, wallets, BNPL and cardless EMI for Indian shoppers
• EMI processing at checkout without requiring pre-approved credit lines from banks

What are the pros and cons of Pine Labs?

What are the key features of Easebuzz?

• Instant settlement option that transfers funds to merchant accounts within minutes of transaction approval
• Supports UPI, cards, wallets, net banking and EMI through a single integration
• No setup fees or annual maintenance charges for standard merchant accounts

What are the pros and cons of Easebuzz?

What are the key features of Authorize.Net?

• Accepts all major credit cards, eChecks and digital wallets through a dedicated merchant account
• Advanced fraud detection tools including IP filtering, velocity controls and card data verification
• Recurring billing and subscription management built directly into the payment processing platform

What are the pros and cons of Authorize.Net?

What are the key features of Worldline?

• PCI DSS Level 1 certified infrastructure with tokenization and end-to-end encryption
• Supports UPI, cards, wallets and international payment methods in a single integration
• Advanced fraud management tools with customizable risk rules and real-time monitoring

What are the pros and cons of Worldline?

• Multi-Gateway Orchestration: Routes every transaction through the highest-performing gateway available, protecting payment processing success rates across all payment modes and reducing failed transactions that trigger abandonment.
• The Network Effect: Recognizes 180M+ shoppers across the GoKwik network and pre-fills verified address data at checkout, eliminating the form friction that causes drop-off after a shopper reaches the checkout page with purchase intent.
• RTO Intelligence: Scores every cash on delivery order for return-to-origin risk in real time using behavioral signals and historical customer data, flagging high-risk orders before confirmation and protecting brand margins without blocking genuine buyers.
• COD-to-Prepaid Conversion: Deploys targeted discount incentives at the payment process step, converting shoppers who arrived with COD intent to prepaid orders and directly improving cash flow alongside reducing RTO exposure.
• Automated Recovery: Integrates with Kwik Engage to send personalized WhatsApp messages to shoppers who abandoned the checkout experience, recovering sessions that standard ecommerce payment gateways have no mechanism to recapture.
• Compatibility: Seamless compatibility across Shopify, WooCommerce and Magento means D2C brands on any major platform can deploy Kwik Checkout without rebuilding their existing ecommerce platforms integration.