Owing to the rapidly increasing competition in the eCommerce industry, it is now more critical than ever for online businesses to provide a seamless user experience to their clients.

When it comes to online shopping, one of the most important factors that determine customers’ satisfaction levels, and ultimately loyalty, is ‘payment transactions.’

For contemporary eCommerce sites, it is paramount to provide a stable, safe and secure checkout experience for maintaining customer satisfaction and attracting new customers. An appropriate eCommerce Payment Gateway can help businesses achieve all the goals mentioned above.

Payment gateway for magento 2 ecommerce web development

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However, choosing the proper payment infrastructure is no cakewalk. There are several factors to be considered when framing a payment network and selecting the perfect payment gateway for your Magento site.

The simplest way to ensure maximum results from every aspect of your eCommerce site, including payment gateways integration, is to Hire Magento Developers with ample experience in the industry.

On the other hand, if you wish to choose a payment infrastructure independently, we have done all the heavy lifting for you and listed down the best payment gateways for Magento sites in the USA, UK & India.

Before delving into the specifics, let us help you understand what a payment gateway is and how it works.

This comprehensive guide on Magento Payment options covers the following topics –

What Is A Payment Gateway?

A payment gateway acts as an intermediary between an eCommerce merchant and a financial institution. It collects payment information, processes the transaction, and later delivers the money to an affiliated bank account.

The primary functions of a gateway are –

  • Recording transactions.
  • Encryption of payments.
  • Identifying false details and detecting theft.
  • Transfer of payment.

How Does An E-Commerce Payment Gateway Work?

The payment transaction commences once the customer confirms their order. They are redirected to the final checkout page from the cart, where they enter their card details.

Once the information is recorded, your payment gateway will encode the transaction, and the details will be delivered to the bank for authentication. Following this, a response regarding acceptance/rejection of the transaction is issued back to the payment processor and is displayed on the customer’s screen.

The money received from the customer’s bank account will then be transferred directly to the merchant account through a secure network of your payment gateway. The funds can be obtained in a day or take up to 21 days.

How To Integrate a Payment Gateway With Your E-Commerce Website?

One of the primary reasons for Magento’s sweeping success is that it offers flexibility in all the spheres of the eCommerce business. With Magento’s excellent extensions, you can easily integrate your preferred payment gateway on your site.

Payment gateway in Ecommerce Website

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However, if you already use a payment gateway not supported by Magento’s extensions, you may need to Hire Magento Developers to build a custom code.

Before deciding upon a Payment Gateway, we recommend conducting thorough research of your market. One can even take consumer surveys to ascertain which payment options are best suitable for them.

Choosing the ideal payment gateway to enhance your Magento site’s shopping experience depends exponentially on your consumer demographics, business types, and other subjective factors.

We have compiled a list of the best money gateways in the UK, USA & India to supplement your research & make your job hassle-free.

Top Payment Gateway Providers For Magento Businesses In UK, USA & India

Best Payment Gateways For United Kingdom

1. Stripe

Owing to the colossal range of APIs it offers, Stripe is one of the most preferred eCommerce Payment Gateway in the UK. It can be easily integrated with ERP & other systems like shopping carts, analytics tools, etc.

Stripe is a highly popular payment gateway recommended by several eCommerce entrepreneurs for creating a superior shopping experience for your customers.


  • Free setup
  • No monthly fee
  • Transaction fees for European cards – 1.4% + 20p
  • Transaction fees on international cards – 2.9% + 20p


  • Hassle-free customization & multiple integration options
  • No monthly fees
  • Transparent pricing
  • Visually pleasing outlook for both mobile and desktop screens

2. Opayo (SagePay)

Formerly recognized as Sagepay, Opayo is one of the UK’s oldest and most trusted payment intermediaries. It offers two payment models for businesses; one is designed for small & medium scale businesses and comparatively larger organizations.

With Opayo, customers can make payments with both debit and credit cards. The framework facilitates transactions in over 25 distinct currencies, making it supremely convenient for your international clients. .


  • No setup fees
  • Multiple packages for different transaction requirements


  • Efficient customization
  • No limitations on the number of transactions. The fees, however, are different depending on the volume of transactions
  • Great functionality to make online shopping better for your clients

3. Worldpay

Worldpay is yet another massively used payment gateway in the European market. Around 250,000 UK businesses prefer using this versatile payment infrastructure for its excellent functionalities.

The only downside of wordpay is that it sometimes gets challenging to manage the data in case of technical issues due to its vast information storage base. Worldpay possesses many advanced functionalities that make it a top player in Magento 2 Payment Gateways.


  • Zero set-ups & installation fee
  • Monthly fees- 2.75% for credit card transactions and 0.75% for debit card transactions


  • Ultra-secure payment transactions
  • Global tech support
  • Flexible payment and pricing options

Best Payment Gateways For USA

1. Amazon Pay

One of the fastest-growing global payment gateways, Amazon Pay is a widely used network in the American eCommerce industry. Developed by the tech-giant Amazon, this gateway offers a user-friendly, visually pleasing, and tech-savvy interface.

Despite the advanced functions, the payment processes are simpler in Amazon Pay compared to its alternatives.

Its extraordinary features make it one of the best platforms for both merchants and customers across the USA. Moreover, this dynamic framework is also best suited for all kinds of businesses regardless of their size.


  • No setup & hidden fees
  • 2.9% transaction fees inside the USA
  • 3.9% transaction fees outside the USA


  • Ultra-secure payments
  • Regular technological upgrades
  • Amazon’s custom fraud detection system

2. PayPal

Paypal is the most popular payment gateway in the USA and perhaps worldwide, with an extensive pool of active users.

Co-founded by the tech-visionary Elon Musk, Paypal is one of the oldest and renowned gateway providers in the eCommerce industry, even years after its foundation.

It supports more than 100 currencies and offers state-of-the-art functions like an express check, barcode scanning, credit card reading, mobile card reading, and a lot more.


  • Zero Setup or monthly fees
  • Diverse transaction fees for payment modes like cards and e-wallets


  • Unparalleled security features
  • Smooth & quick integration process
  • 24/7 customer support

3. PaySimple

Unlike the above two platforms, PaySimple is a relatively new payment gateway provider in the USA. It is a platform designed to strengthen small & medium eCommerce businesses.

This modern Payment platform facilitates quick and seamless transactions, which positively impacts the customer experience. It is equipped with several innovative features like recurring billing, mobile app integration, customer profile management, etc.

The only limitation of PaySimple is that it is only for businesses established in the USA. Hence, this platform does not support multiple currencies.


  • No setup fees
  • Credit card transactions fee – 2.49%+ 29 cents
  • Multiple pricing options available


  • Easy to use and efficient user interface
  • Solid customer support
  • Excellent recurring payment systems

Moving forward, let us have a look at some of the best payment gateways in India.

Best Payment Gateways For India

1. Razorpay

Since its launch in 2014, Razorpay has been growing continuously and has marked its position as one of India’s top eCommerce Payment Gateway.

It facilitates secure transactions through a wide array of payment modes, including Debit cards, credit cards, net banking, UPI, and e-wallets.

Industry mammoths like Udemy, Urbanclap (now Urban Company), Bookmyshow, etc., have shown their trust in Razorpay’s superlative performance & security.

It offers a router API that allows your Magento developers to integrate the payment gateway with your site seamlessly.


  • It has a 2% to 3% transaction fee depending upon the payment mode
  • It offers 100+ payment options with the UPI auto-pay system


  • Instant activation & Ultra easy integration with Magento sites
  • Simple pricing & 100+ payment modes
  • Top-notch customer support

2. Paytm

Due to Covid-19’s induced expansive digitalization in India, there has been a substantial increase in Paytm app users. But, did you know that apart from its payment application, Paytm also offers a robust gateway for businesses, i.e.,Paytm Gateway?.

“This flexible framework accepts payment from diverse sources, domestic and international credit & debit cards, UPI, net banking, and of course, the merchant’s very own Paytm wallet.”

Integration of Paytm Gateway is a straightforward process that can be made even easier when you Hire Magento Developers with appropriate experience.


  • No setup or integration fees
  • Transaction fees – UPI – 0%, Paytm wallets- 1.55%,Credit Card- 1.85%, Debit Card- 0.4%


  • It supports more than 72 currencies allowing seamless global transactions
  • Real-Time Bank Settlements
  • It provides both online and offline transaction support

3. CC Avenue

Founded in 2001, CCAvenue is one of the most time-honored and widely utilized payment gateways in India. Its comprehensive interface can manage millions of transactions securely and efficiently.

It accepts payment through all the significant sources and in 27 international currencies, allowing merchants to transact with their global customers flawlessly.

It also offers multilingual tech support and checkout experience in nearly 20 regional and international languages. This dynamic software also offers revolutionary features like payment invoice, responsive design, faster activation, live monitoring, and Magento integration.


  • 1200rs monthly cost for maintenance
  • 2% transaction cost for debit cards
  • 3% transaction cost for credit cards


  • Robust fraud detection system & ultra-safe payments
  • Fast & easy installation
  • Recurring payment option

Wrap Up

The payment gateway selection depends on your business’ needs and the fees involved. With so many Magento 2 Payment Gateways to choose from, your selection process might get overwhelming. This detailed guide will help you understand the features offered by the best Gateways in India, the UK, and the USA. Ultimately it will help you narrow down your options & make the process simpler for you.

If you have any questions about Magento payment gateways or if you’re interested in Magento deployment in general, extension integration, custom development, contact the experts of ZealousWeb today.