Top 8 WooCommerce Payment Gateways to Boost Your Online Store

Choosing the right WooCommerce payment gateway is essential for your online store’s success. It ensures secure transactions and enhances customer satisfaction.

Why Payment Gateways Matter for Your WooCommerce Store

Starting an online store requires a platform that supports eCommerce features, allowing you to design the sales process and manage transactions. Integrating your website with a payment gateway is particularly vital for accepting payments. This integration helps automate customer purchases, reduce the risk of fraud, and comply with industry standards.

If you’re using WordPress, consider installing the WooCommerce plugin. This powerful tool offers a wide range of features tailored to eCommerce needs and supports various payment gateways through extensions and manual integrations.

Top 8 WooCommerce Payment Gateways

We’ve reviewed the eight best WooCommerce payment gateways, covering their payment models, fees, and key features to help you make an informed decision:

WooCommerce Payments
Stripe
Square
Authorize.net
PayPal
Amazon Pay
Apple Pay
Alipay

1. WooCommerce Payments

Service Stats:
Transaction Fee: 2.90% + $0.30 per local transaction for US-issued cards
Supported Currencies: 135+ currencies
Supported Regions: 38 countries

WooCommerce Payments, or WooPayments, is a built-in payment gateway that accepts major credit and debit cards and local payment methods with no setup or monthly fees. It supports popular payment services like Google Pay and Apple Pay. Additionally, buy now, pay later (BNPL) options are available in selected regions.

As a native payment solution, this WooCommerce payment plugin offers ease of use and seamless integration with your WooCommerce store. You can collect payments, track cash flow, and handle disputes directly from your store’s dashboard. For a detailed guide on setting up WooPayments on your WooCommerce store, check our resources.

Key Features:

Custom deposit schedule: Transfer funds into your bank account within your desired interval or on demand.
Tap to Pay payment method: Accept in-person contactless payments on your iPhone or Android device.
Quick Checkout: Customers can save their credit card info for faster checkouts.

Drawbacks:

No built-in support for recurring revenue models. To accept recurring payments, you need to buy the Woo Subscriptions extension for $19.92/month.
Not available internationally. It lacks support for users in Africa, Asia, and most APAC countries.

2. Stripe

Service Stats:
Transaction Fee: 2.90% + $0.30 per card or digital wallet transaction
Supported Currencies: 135+ currencies
Supported Regions: 46 countries

The WooCommerce Stripe payment gateway extension easily integrates with this popular payment processing platform. It allows you to accept transactions from major credit and debit cards as well as local payment methods like Alipay, iDEAL, and SEPA Direct Debit.

Like WooPayments, this payment processor uses a pay-as-you-go pricing model and charges no setup fees. With its integrated suite, you can accept one-time and recurring payments, do efficient invoicing, automate tax calculations, and more.

Key Features:

Payment Links: Customers can save their preferred payment methods to their account for one-click checkouts.
Stripe Elements: These building blocks let you collect payment details while maintaining PCI compliance.
Stripe Radar: This fraud prevention feature detects and blocks fraud using machine learning.

Drawbacks:

Complex functionality requires API knowledge. Consider hiring a developer if you can’t configure it yourself.
Steep fees for extra services. For example, using a custom domain to host your checkout page costs $10/month.

3. Square

Service Stats:
Transaction Fee: 2.90% + $0.30 per transaction for Free and Plus users
Supported Currencies: Based on the supported countries
Supported Regions: US, Canada, Australia, Japan, the United Kingdom, the Republic of Ireland, France, and Spain

Square is one of the most popular WooCommerce payment gateways for small to medium-sized businesses. Its mobile point-of-sale solution allows merchants to accept debit and credit card payments on mobile devices. It also supports various payment options for in-person and online transactions.

Though Square’s international availability isn’t as vast as other payment gateways, its business plans make it ideal for restaurants, retail sites, and appointment-based businesses.

Key Features:

Virtual terminal: The web-based payment processor allows you to process debit and credit cards remotely or in person.
PCI compliance: Square offers secure, PCI-compliant payment processing with end-to-end encryption.
No chargeback fees: There are no extra fees for receiving a payment dispute on your Square account.

Drawbacks:

Limited free tools: Many add-ons charge monthly fees per location, which can become costly over time.
Subscription-based plans: Vital features like phone support are only available in Plus and Premium plans, which start at $29/month.

4. Authorize.net

Service Stats:
Transaction Fee: 2.90% + $0.30 per credit card transaction
Supported Currencies: 12 currencies
Supported Regions: United States, Canada, United Kingdom, Europe, and Australia

Authorize.net is a robust payment method that accepts payments online at retail locations or via mobile devices. It supports major credit cards, eChecks, and popular payment services like Apple Pay and PayPal.

This WooCommerce payment gateway solution offers All-in-One and Payment Gateway Only plans. The former includes a merchant account setup to accept credit card payments and recurring payments.

Key Features:

Customer Information Manager: Include multiple payment methods and shipping locations in one profile for higher conversions.
Advanced Fraud Detection Suite: Prevent fraudulent transactions with configurable fraud filters.
eCheck payments: Allow customers to pay using electronic checks.

Drawbacks:

Monthly gateway fee: Merchants enrolled in both plans must pay a monthly fee of $25.
Limited international availability: Most of its tools and integrations cater to domestic businesses.

5. PayPal

Service Stats:
Transaction Fee: 2.99% + fixed fee per card transaction
Supported Currencies: 25 currencies
Supported Regions: 200+ countries

PayPal is the best payment gateway for WooCommerce stores with an international customer base, supporting merchants in over 200 countries. This popular gateway allows you to accept payments through various methods, including digital wallets.

PayPal does not charge monthly or setup costs. Furthermore, you can apply for discounted rates based on your sales volume.

Key Features:

PayPal.Me: Request payments without logging into your PayPal account.
PayPal Invoices: Allow customers to make online payments in full or installments.
Seller Protection: Offers fraud protection and dispute resolution.

Drawbacks:

International transaction fees: PayPal charges extra fees for international transactions.
Lack of customization: Customizing advanced features may require coding knowledge.

6. Amazon Pay

Service Stats:
Transaction Fee: 2.90% + $0.30 per domestic transaction
Supported Currencies: 80+ currencies
Supported Regions: 18 countries

Amazon Pay simplifies the checkout process by allowing customers to use their Amazon account information. This feature helps reduce cart abandonment rates.

Key Features:

A-to-Z Guarantee: Fraud detection capabilities and chargeback controls.
Multi-currency integration: Customers can make purchases using their preferred currency.
Buy with Prime: Integration with Prime member data enhances convenience.

Drawbacks:

Strict Acceptable Use Policy: Specific limitations on supported items.
Mandatory signup: Customers need an Amazon account to make a payment.

7. Apple Pay

Service Stats:
Transaction Fee: Free for domestic transactions
Supported Currencies: 80+ currencies
Supported Regions: 83 countries

If your WooCommerce store has a physical location, integrating Apple Pay can enhance the customer experience. This mobile payment system uses NFC technology for transactions.

Key Features:

Apple Pay Later: Split purchases into installments.
Tap to Pay: Enable secure contactless payments.
Multi-layered security: Protects customer information with tokenization.

Drawbacks:

Total reliance on Apple devices: Consider other solutions if your customer base is primarily Android users.
Small user base: Apple Pay accounts for 9% of global mobile wallet users.

8. Alipay

Service Stats:
Transaction Fee: 3% per card transaction
Supported Currencies: 27 currencies
Supported Regions: 110+ countries

Alipay is a top payment service in Chinese marketplaces, making it ideal for merchants targeting the East Asian market.

Key Features:

QR code payment: Allow customers to scan QR codes for payments.
Scan to Bind: Authorize payments on multiple devices.
User-Presented Mode Payment: Generate a payment code for merchants to scan.

Drawbacks:

Not FDIC-insured: Your funds are at risk if the platform fails.
China-oriented platform: Some features may be limited for international transactions.

How to Pick the Best WooCommerce Payment Gateway

The payment industry offers various solutions to accept online payments and facilitate in-person transactions. Here are some tips to help you choose the right one:

Understand Your Target Market

To provide a seamless payment experience for customers, consider a gateway that supports multiple currencies and languages. For instance, PayPal excels in serving the US market, while Alipay dominates the Chinese market.

Compare the Transaction Fees

Each payment gateway has its fee structure. Choose one that aligns with your business model and revenue stream.

Make Sure the Payment Gateway Is Secure

Your payment gateway’s security is crucial. Verify that it adheres to PCI compliance standards and offers built-in fraud protection features.

Look for Additional Features

Consider features that can enhance your store’s functionality, such as recurring billing, easy integration, and mobile transaction support.

Conclusion

Integrating the right payment gateway is crucial for setting up a successful online store with WooCommerce. Among the top payment gateways we reviewed, here are our top choices:

PayPal: Known for its trusted reputation and buyer protection.
Stripe: Offers powerful APIs for advanced customizations.
Square: Ideal for stores with a physical presence.

With these top choices narrowed down, you are now equipped to confidently choose the WooCommerce payment gateway that suits your business needs.

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WooCommerce Payment Gateways FAQ

What Is a WooCommerce Payment Gateway?

A WooCommerce payment gateway is a service that handles different payment types directly on your eCommerce store. It ensures secure transfers of customer payment data.

Does WooCommerce Have Its Own Payment Gateway?

WooCommerce has an in-house payment gateway called WooPayments, which simplifies payments and manages transactions from your store’s dashboard.

What Are the Most Popular WooCommerce Payment Gateways?

The most popular gateways are PayPal, Stripe, and Square, known for their reliability and support for various payment options.

Why Is It Important to Choose the Right WooCommerce Payment Gateway?

The ideal gateway aligns with customer payment preferences, offers reliable support, and maintains reasonable transaction fees, significantly impacting your store’s conversion rates and success.

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