Complete List of Payment Gateways for Your Online Business in 2025

In the fast-evolving world of e-commerce, choosing the right payment gateway is crucial for ensuring seamless, secure, and efficient transactions. A payment gateway acts as a digital cashier, securely transferring customer payment information to the merchant’s bank for authorization. With global online payment transactions projected to grow significantly by 2033, selecting a reliable payment gateway tailored to your business needs is more important than ever. This blog provides a comprehensive list of payment gateways for your online business in 2025, highlighting their key features, fees, and suitability to help you make an informed decision.

What Is a Payment Gateway?

A payment gateway is a technology that facilitates online transactions by securely transmitting payment data between customers, merchants, and banks. It encrypts sensitive information, such as credit card details, to ensure safe processing while supporting various payment methods like credit/debit cards, digital wallets, UPI, and even cryptocurrencies. Key factors to consider when choosing a payment gateway include security, integration ease, transaction fees, supported currencies, and customer experience.

Why Choosing the Right Payment Gateway Matters

Security: Protects sensitive customer data and builds trust.
Customer Experience: A seamless checkout process reduces cart abandonment.
Global Reach: Multi-currency and local payment support expand your market.
Cost Efficiency: Transparent pricing helps manage expenses.
Scalability: Handles high transaction volumes during peak periods.

With these factors in mind, let’s explore the complete list of payment gateways for your online business in 2025.

Complete List of Payment Gateways for 2025

1. Stripe

Overview: A developer-friendly, global payment gateway known for its scalability and customization options.
Key Features: Supports 135+ currencies, one-click checkout, subscription billing, and AI-powered fraud detection.
Fees: 2.9% + $0.30 per transaction (US cards); custom pricing for high-volume businesses.
Best For: E-commerce businesses, startups, and enterprises needing robust integrations.
Pros: Easy API integration, supports Buy Now Pay Later (BNPL), and extensive customization.
Cons: Requires technical expertise for advanced setups.
Website: stripe.com

2. PayPal

Overview: A widely recognized payment gateway with 431 million users, ideal for small to medium-sized businesses.
Key Features: Supports 40+ currencies, PayPal wallet, Venmo, QR codes, and invoicing tools.
Fees: 1.2% + fixed fee for card-funded payments without PayPal accounts; varies by transaction type.
Best For: Small businesses and freelancers seeking simplicity and trust.
Pros: Easy setup, trusted brand, and supports multiple payment methods.
Cons: Account suspension issues and complex fee structure.
Website: paypal.com

3. Square

Overview: Popular among small businesses for its user-friendly interface and POS integration.
Key Features: Supports Apple Pay, Google Pay, and in-person/online payments with minimal setup.
Fees: 2.9% + $0.30 per online transaction; varies for in-person payments.
Best For: Small retailers and businesses with both online and offline sales.
Pros: No monthly fees, intuitive app, and competitive pricing.
Cons: Limited advanced features for complex payment needs.
Website: squareup.com

4. Paytm

Overview: A leading payment gateway in India, trusted by over 300 million users and 20 million businesses.
Key Features: Supports 100+ payment methods, including UPI, credit/debit cards, and digital wallets.
Fees: 1.99% platform fee (excluding certain cards) + 18% GST; custom enterprise plans available.
Best For: Indian businesses, e-commerce, and local vendors.
Pros: High payment success rate, instant onboarding, and seamless wallet integration.
Cons: Limited international support and some payment methods require approval.
Website: paytm.com

5. Razorpay

Overview: A comprehensive payment solution for Indian businesses with low-code integration.
Key Features: 100+ payment modes, real-time analytics, and automated recurring payments.
Fees: 2% + 18% GST for domestic transactions; no setup fees.
Best For: SMEs and e-commerce platforms in India.
Pros: Quick setup (30 minutes), high success rates, and no maintenance fees.
Cons: Limited multi-currency support and slow international card approvals.
Website: razorpay.com

6. PayU

Overview: Trusted by over 500,000 businesses, PayU offers advanced payment solutions globally.
Key Features: 150+ payment methods, Native OTP, BNPL, and multi-currency support.
Fees: 2% + 18% GST for domestic transactions; varies by method.
Best For: Businesses targeting India and global markets.
Pros: Industry-leading success rates, customizable checkout, and robust APIs.
Cons: Customer support can be slow during peak times.
Website: payu.in

7. Instamojo

Overview: A user-friendly payment gateway serving over 2 million Indian businesses.
Key Features: Custom checkout pages, pay buttons, and 100+ payment options.
Fees: Free gateway; transaction fees can be passed to customers.
Best For: Small businesses and freelancers in India.
Pros: Instant onboarding, no setup fees, and high-speed checkout.
Cons: Limited to INR and no international payment support.
Website: instamojo.com

8. Adyen

Overview: A global payment gateway used by large enterprises like Uber and Spotify.
Key Features: Supports 30+ currencies, AI fraud detection, and smart payment routing.
Fees: Fixed processing fee + payment method fee; no setup or monthly fees.
Best For: Tech-savvy businesses and international retailers.
Pros: High success rates, global reach, and customizable experiences.
Cons: Complex for small businesses with limited technical resources.
Website: adyen.com

9. BlueSnap

Overview: A fast-growing U.S.-based gateway with strong fraud protection and global capabilities.
Key Features: Supports Apple Pay, Google Pay, and intelligent payment routing.
Fees: 2.9% to 3.9% + $0.30 per transaction.
Best For: E-commerce and subscription-based businesses.
Pros: Easy integration, innovative features, and global payment support.
Cons: Limited market share compared to competitors.
Website: bluesnap.com

10. Authorize.Net

Overview: A veteran in payment processing since 1996, known for iron-clad security.
Key Features: Advanced Fraud Detection Suite, e-checks, and credit card processing.
Fees: $0.10 per transaction + $0.10 batch fee; 0.75% for e-checks.
Best For: Businesses prioritizing security and reliability.
Pros: Robust fraud tools, trusted reputation, and scalable plans.
Cons: Additional fees for merchant accounts can add up.
Website: authorize.net

11. Amazon Pay

Overview: A trusted payment solution leveraging Amazon’s A-to-Z guarantee.
Key Features: Supports BNPL, multi-payment methods, and secure checkout.
Fees: 2% per transaction; 3% for international cards.
Best For: E-commerce businesses integrated with Amazon’s ecosystem.
Pros: Boosts conversions, seamless integration, and customer trust.
Cons: Requires Amazon account and no PayPal support.
Website: pay.amazon.com

12. Cashfree Payments

Overview: A versatile Indian payment gateway with 120+ payment modes.
Key Features: Supports PayPal, NEFT, IMPS, and Auto Collect for franchises.
Fees: Custom pricing for high-volume businesses; standard fees apply.
Best For: Indian e-commerce and multi-department businesses.
Pros: Wide payment support and seamless integration.
Cons: Annual fees can be high compared to competitors.
Website: cashfree.com

13. CCAvenue

Overview: A popular Indian gateway supporting multiple payment options and languages.
Key Features: 27 currencies, 18 languages, and six credit card types.
Fees: Varies by plan; typically 2% per transaction.
Best For: Businesses targeting diverse Indian and international markets.
Pros: Multi-currency support and free storefront for non-website businesses.
Cons: Weekly settlements only above ₹1000.
Website: ccavenue.com

Emerging Trends in Payment Gateways for 2025

To stay competitive, businesses should align with the latest payment gateway trends:

AI-Powered Fraud Detection: Reduces fraudulent transactions by 40% with real-time pattern analysis.
Contactless and QR-Based Payments: UPI transactions in India are projected to hit 25 billion by 2025.
Cryptocurrency and Blockchain: Offers lower fees and transparency for international payments.
Real-Time Payments: Instant fund transfers improve cash flow and customer satisfaction.

How to Choose the Right Payment Gateway

Assess Business Needs: Consider your target market, transaction volume, and product type (digital or physical).
Prioritize Security: Look for PCI DSS compliance, encryption, and fraud detection tools.
Check Integration: Ensure compatibility with your website, CMS (e.g., Shopify, WooCommerce), or app.
Evaluate Fees: Compare transaction, setup, and maintenance costs against your budget.
Support Global Payments: Opt for multi-currency and local payment methods for international customers.
Test Customer Experience: Choose gateways with fast, non-hosted checkouts to reduce cart abandonment.

Conclusion

Selecting the right payment gateway in 2025 is a strategic decision that impacts your business’s growth, customer trust, and operational efficiency. From global players like Stripe and PayPal to India-focused solutions like Paytm and Razorpay, this complete list of payment gateways offers options for every business size and market. Evaluate each gateway based on security, fees, integration, and scalability to find the perfect fit. Stay ahead by adopting trends like AI fraud detection and contactless payments to enhance your checkout experience.

Stay ahead in the financial technology landscape with expert insights and advice. For further information, check out TheFinRate for extensive fintech resources and reviews!