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Digital payment solutions are fundamental tools in eCommerce businesses because they offer security and confidence to online transactions. They function as virtual POS, which authorize credit card payments from web or mobile applications. In other words, they are platforms that facilitate online payment via the Internet.

We have already told you which are the best hosting services for eCommerce, now it is the turn of the best payment solutions.

Why payment solutions for your eCommerce are so important

From another perspective, payment solutions are eCommerce services that verify and accept (or, failing that, reject) the transfer of funds between buyers and sellers through various payment methods, such as bank transfer or card payment. They are not to be confused with wallets (such as Apple Pay or Google Pay), which merely allow the management of payments between individuals or companies.

They are important because in addition to providing a great payment experience for customers, they can help to significantly reduce credit card fraud within eCommerce. In particular, payment solutions act as intermediaries that ensure that customer data is encrypted and secure.

A ranking of the best payment solutions prepared by experts

As in 2022, this year we have carried out an evaluation of ecommtech tools with the help of several specialists in different areas of marketing and eCommerce (this time there were 35 jurors, two more than in the previous edition).

This voting process was carried out for our Ecommtech Guide 2023, which you can download for free. There you will find the best tools from 25 different verticals and the names of the jurors.

Download it for free 😉

In this way, in each top we will determine two lists: the top 10 (or less) tools best rated by experts and other tools that you should also consider, or at least have identified on the map. Therefore, the first list will be in voting order and the second will be in alphabetical order.

That said, let’s get down to business😉

The 10 best payment solutions for eCommerce:

Other tools to consider:

Paycomet (Recommended🥇)

This tool operates with all banks in the European Union, can be integrated with the most popular alternative payment methods such as Amazon Pay, Apple Pay, Google Pay, Bizum, Klarna, etc., and is an official Prestashop partner.

It has an advanced fraud scoring or fraud management module, which helps automate fraud management and integrates with external fraud managers.

With Pay by Link you can generate payment links from a simple control panel and share them with the customer through any channel -email, sms or social networks- allowing online payment even without having your own eCommerce.

Acquired by Banco Sabadell in 2018, Paycomet was the first payment gateway in Spain to obtain PCI DSS Level 1 certification, the highest level of the industry’s data security standard. Its clients include Vocento, Eroski Viajes, Yelmo Cines, Interflora or GoldCar, among others.

Try Paycomet
  • Year founded: 2010
  • Country: Spain

Amazon Pay

Created in 2007 and with more than 300 million users worldwide, Amazon Pay has its own payment gateway -similar to PayPal-, which can be integrated with popular eCommerce solutions such as Magento, Prestashop, Woocommerce or Shopify.

Customers can pay via the web, with their mobile device or with Alexa Skills and choose between several types of transactions: immediate charge, deferred payment, recurring payment, simultaneous purchases and returns. In addition, their purchase is protected by Amazon Pay’s A to Z guarantee, which guarantees product condition and on-time delivery.

  • Year founded: 2007
  • Country: USA

Worldline

Since joining Ingenico at the end of 2020, Worldline has established its position as one of the leaders in global payment systems, with more than 250,000 customers worldwide.

It offers local online payment solutions, cross border, and omni-channel commerce solutions giving its customers the ability to get an integrated and seamless payment experience, regardless of channel or location. Its unified platform allows you to manage all your transaction data in one place.

It accepts more than 200 online payment methods in 175 countries and across 140 currencies, has “plug and play” integrations and covers key needs such as fraud prevention, data analysis, security and compliance with local and international regulations. No matter the size of your company, Worldline designs customized payment solutions.

  • Year founded: 1974
  • Country: France

Worldpay

In addition to being a state-of-the-art gateway, Worldpay from FIS has its own payment processing license as an acquiring bank in 60 countries on all continents. This enables merchants to improve user experience, increase conversion and optimize costs.

It provides access to 300 domestic payment methods, fraud control and optimization services such as exception management for PSD2 in Europe. It has a specialized level of support, supporting merchants with knowledge of the latest trends, technologies and regulations in the financial industry. In fact, it focuses its support model by verticals, understanding that each sector has its own dynamics and ways of receiving and issuing payments.

  • Year founded: 1997
  • Country: United Kingdom

Stripe

Stripe is one of the preferred payment gateways for startups due to its reputation and the competitive rates they maintain for each transaction. It is characterized by its philosophy of constant innovation and works with millions of companies from almost all sectors in more than 100 countries. It has an easy to implement and highly adaptable API, which facilitates the creation of different products, such as subscription services, marketplaces on demand, online stores or crowdfunding platforms.

  • Year founded: 2010
  • Country: USA

Paypal 

Paypal is the most widely used payment platform in eCommerce worldwide with more than 325 million users who can make transactions in more than 100 currencies without any contact and pay in up to 3 interest-free installments.

In addition to being fast and easy to use, it can be linked to cards and bank accounts, integrate with multiple platforms and control all transactions made from a single PayPal account.

It uses advanced encryption systems to protect users’ information 24/7 and offers a money-back guarantee.

  • Year founded: 1998
  • Country: USA

Redsys 

Redsys is a well-known Spanish payment gateway that has been operating for many years in our country and was born from the merger of the payment systems Sermepa and Redy.

It is mainly used to manage payments for companies with bank accounts in Spain and its brand is usually associated with secure payment on the Internet. It allows integration with both national and international cards of the main brands and with systems such as Bizum, Masterpass, Paypal, GooglePay and ApplePay.

It is multi-language, multi-currency and integrates quickly through modules with sites built with Prestashop, Woocommerce, Opencart, Virtuemart and Zen Cart.

  • Year founded: 1981
  • Country: Spain

Adyen

This tool allows you to pay anywhere and through any device thanks to the multiple integration options with its online payment APIs.

It has a proprietary technology that allows you to use it with the main CMSs, create an interface, redirect the customer to another channel or insert a payment user interface on the website or app.

With its vision of “unified commerce” it creates an optimal multi-platform experience that can be managed from a single place, and offers a loyalty program with which it is possible to add up to 89 payment methods in case of opening new markets.

  • Year founded: 2006
  • Country: The Netherlands

Shopify Payments

It allows you to create and customize an online store, sell on multiple sites (websites, mobile devices, social networks, etc.) and manage products, inventory, payments and shipping. Being fully cloud-based and cloud-hosted, worries about web servers and updates disappear.

It has a 14-day free trial in which once those two weeks have passed you can enjoy selected plans for $1 your first month. It has three plans: Basic ($36/month), Shopify ($105/month) and Advanced ($384/month).

  • Year founded: 2006
  • Country: Canada

Checkout.com

Checkout.com is the payment provider for many large European e-commerce companies such as Mango, Farfetch, Glovo or Klarna and bases its proposition on offering fast and secure payments in over 150 countries, with in-country acquiring, world-class anti-fraud filters and reporting – all through a single API. It accepts all major international credit and debit cards, as well as the most popular local and alternative payment methods.

It is currently the second most valuable startup in Europe and has a team of 1,100 people in 18 offices around the world providing local expertise where it is needed. In May 2021 it opened its new office in Barcelona, which acts as the company’s headquarters in Southern Europe, serving Spain, Portugal, Italy and Greece. In May 2022 acquired French startup Ubble which provides remote identity verification.

  • Year founded: 2012
  • Country: England

ConnectPay (Recommended🥇)

ConnectPay is a cutting-edge financial tool designed for seamless mobile integration, optimized for ease of use across a multitude of devices. With compatibility across 68 major marketplaces including Shopify, Woocommerce, and Prestashop, integration is a breeze via iframe, redirect, or lightbox – all without the need to store card data.

It supports over 15 languages and offering multi-currency services, ensuring a global reach while safeguarding against fraud with over 30 customizable rules to detect and prevent suspicious transactions. ConnectPay accepts all major cards such as Visa, MasterCard, and AMEX, along with alternative payment methods like Sofort, Giropay, and PayPal, providing a comprehensive solution for businesses of all sizes.

  • Year founded: 2015
  • Country: Lithuania

Addon Payments

It is a tool optimized for use on mobile devices and is easily integrated via iframe, redirect or lightbox without the need to store card data with 68 of the main marketplaces (Shopify, Woocommerce, Prestashop, etc.).

It adapts to more than 15 languages, has multi-currency service and prevents fraud through more than 30 customizable rules to block or cancel suspicious transactions. Accepts all major cards (Visa, MasterCard and AMEX) and alternative payment methods (Sofort, Giropay, PayPal).

  • Year founded: 2010
  • Country: Spain

Braintree

Braintree is an online payment solution from PayPal that has been active in the market since 2013. It is present in 50 countries and handles more than 130 currencies, so its offer is aimed especially at businesses that want to open internationally. Likewise, its greatest advantage is that it specializes, above all, in payments from mobile devices (iOS, Android and Windows Phone). It supports cryptocurrencies such as Bitcoin – in addition to accepting card payments or PayPal itself.

  • Year founded: 2007
  • Country: USA

Kevin

Kevin. provides businesses with a web-ready payment infrastructure. This solution is card-agnostic, allowing consumers to make fast, simple and secure payments directly from their bank accounts. They define themselves as a white label solution, which eliminates the complex and time-consuming problems associated with payment processing for their customers. It is present in 27 European markets and works with more than 350 million consumers.

  • Year founded: 2018
  • Country: Lithuania

Kushki

This Peruvian platform was born in 2017 with the aim of “supporting and promoting the development of new technologies from Latin America“, as announced on its website. Among its services, they manage collections, payments, reconciliations, bank transfers, develop technology and accompany clients in their specific technological needs.

They offer solutions adapted to different service areas, including eCommerce. It has plugins for Woocommerce, Prestashop and Adobe Commerce, and allows sending payment links without the need for a website. Rates are only available for Chile, Colombia, Ecuador, Mexico and Peru.

  • Year founded: 2017
  • Country: Peru

Lyra Network

Lyra has established itself as a leader in the local and international payment industry. Due to the deep knowledge of the market expectations they already have integrated 150 payment methods such as: Bizum, Alipay, Apple pay, Google pay, among many others.

Their services have crossed borders to support international customers, offering a global offer and guaranteeing their proximity since they have 10 subsidiaries in Europe, Asia and South America with more than 450 employees.

Its purpose is to meet the needs generated by technological changes with all the requirements of quality, reliability and availability at all times to develop and integrate payment methods adapted to each eCommerce regardless of the channel.

Its easy-to-integrate API allows a quick adaptation to new consumer trends, thus becoming its added value since, as they explain to us, “the conversion rate of their customers increases between 8 and 12%“. In other words, Lyra reduces the number of abandoned carts by creating a fast, transparent, secure and frictionless payment experience with its own technology (3DS 2.0).

  • Year founded: 2001
  • Country: France

MangoPay

Another payment gateway (also of French origin) to highlight is MangoPay. This time we are talking about a payment solution specialized in marketplaces, crowdfunding platforms and collaborative consumption websites. MangoPay is an ideal option for accepting payments and managing eWallets in different currencies. It makes it easy for users to pay by allowing them to pay in multiple currencies and with various payment methods. It also makes it possible to automate all payment flows and commissions in a single contract.

  • Year founded: 2013
  • Country: France

Monei

This tool stands out for the simplicity of its integrations and the security of transactions. Customers can pay by card, direct debit, e-wallet or digital wallet, in installments or with bitcoins and your company will receive the money within 24 hours.

It integrates with any online store or website and allows tokenization (a process that protects sensitive data by replacing it with non-sensitive equivalents, known as tokens).

  • Year founded: 2015
  • Country: Spain

Multisafepay

This Dutch tool supports more than 30 local and international payment methods. It integrates with the most popular e-commerce platforms, such as Adobe Commerce, WooCommerce, PrestaShop and Shopify, and smaller ones, such as Craft Commerce or Lightspeed. It also has an API that allows you to integrate online payments into your business as you prefer. You can easily adjust and customize it to your liking.

It has embedded forms and secure hosted payment pages, which you can aesthetically adapt to your brand values and elements.

The company currently has offices in the Netherlands, Spain and Germany.

  • Year founded: 2005
  • Country: The Netherlands

Neteller

The Neteller tool defines itself as an excellent platform for a faster and safer way to send and receive money online. It allows you to register easily and in a few steps through a free account and deposit money in your own Neteller account and then you can use it at any time.

  • Year of foundation: 1999
  • Country: Canada

Paylands

Developed by the Spanish fintech Paynopain, Paylands is an easy-to-integrate solution with a highly intuitive interface. Likewise, it unifies all sales channels (online, mobile and in-store payments) in its single tool. Since March 2019, it has gone a step further in its expansion process and already accepts payment with cryptocurrencies, of course depending on the country and area (which they collect on their website).

  • Year of foundation: 2011
  • Country: Spain

PayRetailers

PayRetailers is a payment gateway designed to handle mass online payments in Latin America. The gateway combines local market expertise with its state-of-the-art flexible payment technology that enables global merchants to successfully expand their business in emerging markets.

The company works with all types of sectors (financial services, eCommerce, tourism and airlines, SaaS and digital services, online gaming, e-learning) and each of its products and services is tailored to each client’s specifications, increasing conversion and reducing operational complexities of cross-border payment management. The company offers a fully localized payment solution with more than 250 payment methods including: cash payments, QR codes, bank transfers, local cards and e-wallets and a presence in 12 countries in the Latin American region. All with a single service provider and a single API.

With a unique integration process, the gateway offers agreed transactions with predefined payment methods and flexible schedules, making the shopping experience intuitive, flexible and modern, adapted to the local currency and preferences of each customer according to their country. It has offices in Barcelona, Malta, Colombia, Chile, Argentina, Brazil and Mexico.

  • Year founded: 2017
  • Country: Spain

Payxpert

PayXpert is a complete payment platform that offers merchants, ISO’s and acquiring banks a range of payment processing solutions including transaction processing for eCommerce and physical POS, POS software development and Card Scheme certifications. It has a large portfolio of clients, including global brands such as Carolina Herrera, Clarins, Four Seasons, Gucci and Lladró.

The company has a strong focus on providing value-added services, such as additional tools to optimize sales and conversion, business intelligence and anti-fraud tools, and exclusive alternative payment services for international clients. It currently supports more than 250 payment methods and processes in more than 187 currencies. It also facilitates access to the Chinese market through Alipay and WechatPay.

  • Year founded: 2009
  • Country: France

Shift 4 (ex SecurionPay)

Now the Swiss company SecurionPay has joined forces with Shift4, a New York-based company founded in 1994. This union has not entailed major changes in services or equipment. The big advantage is that this has allowed them to expand into other markets such as the United States. It is an online payment system whose mission is to make online transactions easier for buyers and sellers. It is a very secure platform and compatible with most software. It provides users with an easy to implement and fully customizable pop-up payment window that helps increase conversion and sales. It also allows users to save their card information for future use, wherever and whenever they want.

  • Year founded: 1994
  • Country: United States

SiPay

This Spanish platform defines itself as a company specialized in developing intelligent payment solutions for commerce, adapted to each sector and each business, both at the point of sale and in eCommerce. It has 20 certified products and more than 25 years of experience developing payment solutions. To minimize shopping cart abandonment, SiPay has developed the easy-to-integrate functionality, FastPay, which allows payments to be processed in just 3 simple, fast and intuitive steps.

  • Year founded: 1994
  • Country: Spain

Sprinque

Sprinque is a very flexible B2B payment platform that provides Europe-wide coverage. It allows your online store’s customers to pay in 7, 15, 30, 45, 60 or 90 days, while Sprinque takes care of giving them a credit line in real time and managing collections, receiving payment instantly.

It provides up-to-date risk assessments. They have their own API and plugins fully integrable and adaptable to any ecosystem, for example, Prestashop or Woocommerce, among others.

  • Year founded: 2021
  • Country: The Netherlands

Storeden

The French telecommunications and electronic payments operator Afone Group created, in 2018, Papam Ecommerce: a payment technology that brought together the services needed in an eCommerce, the collection of payment from customers via credit or debit cards and the execution of payment to suppliers or employees through transfers. Now, Papam Ecommerce has been acquired by Storeden, the company owned by Team System.

It has 3 subscription plans: Start ($29/month), Professional ($69/month) and Business ($199/month). It offers different features but coincides in that the amount of products to sell in your online store is unlimited in all plans offered.

  • Year of foundation: 2012
  • Country: Italy

Swipe

Another of the payment gateway tools that we want to mention in our list is Swipe: an Internet payment gateway that brings together all means of payment and processes them securely on behalf of the merchant where you want to make the purchase; textual words that they collect on their own website. The purchase made by the user in the eCommerce will appear in the bank report as a purchase made in Haulmer SWIPE; so it is easily identifiable. Its user interface and configuration, on the other hand, are totally intuitive and simple.

  • Year founded: 2009
  • Country: Chile

UniversalPay 

This payment institution is regulated by the Bank of Spain and is the Spanish subsidiary of EVO Payments International, a company founded in New York in 1989. Since then it has positioned itself as one of the world’s largest payment solutions service providers. UniversalPay accepts currencies from dozens of countries and settles in any bank account. Moreover, it accepts payments in-store, online via mobile devices or with MOTO.

  • Year founded: 1989
  • Country: Spain

Imagen: Depositphotos

 

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