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5 Best Online Payment Systems for Your Ecommerce Website

5 Best Online Payment Systems for Your Ecommerce Website


Online business owners are often caught up in the ‘busyness’ of providing amazing experience for their customers that they tend to neglect what is perhaps the glue holding it all together: payment.


Don’t get us wrong. As an ecommerce entrepreneur, it is in your best interest to optimize for quality of service and provide a superb user interface. But what we have seen is that many entrepreneurs failed to see their payment process as part of the overall user experience. To some, payment integration is what you do only when your shop is setup and ready to go.


Thanks in part to the proliferation of payment gateways and solutions providers, entrepreneurs often make the mistake of thinking that “how” they receive payment is no longer a problem worth their sweat; that they can just grab the next available payment system and be open for business. Well, nothing could be further from the ideal.


Payment is a key cog in the wheels of your enterprise and it deserves equal attention just like the rest of the system. If you don’t see it that way, you end up losing money every time your potential buyer abandons your product in the cart due to payment related issues.


Bearing all that in mind, if you are at the point where you need to choose a payment system and you have little to no time for random sampling, then this article is for you.

We believe that online payment systems are not born equal, and in this article, we present to you the 5 best online payment systems for your ecommerce website that you can plug-in to your store right now.


  1. Paypal

Since the turn of the century, PayPal has remained the go-to payment  solutions provider for ecommerce businesses of different size and scale.  Powering over 17 million online stores in 203 global markets, PayPal has the experience, the know-how and everything you need to start collecting payments without hassle. Secured, affordable and with a promise speedy integration, Paypal is among your best options out there at the moment. What type of payments are you interested in? Recurring billing or on-site checkout? PayPal has you covered.


If you are an international business, one of your major concerns is internationalization and currency conversion. With PayPal, you can start receiving payments or donations in many currencies of the world without having to deal with the unstable and the back and forth headaches of currency conversions. What’s more, PayPal will offer your customers several payment options including Credit Card, Debit Card, PayPal Wallets, PayPal Credits etc. 


Pricing: There are no setup, gateway or monthly fees. You only pay 30 cent plus 3.4% per every processed order via PayPal.


Integration: You hardly need a developer to help you integrate your store with PayPal. The checkout process is comfortable and you can customize to your heart’s content.

If your store was built with Woocommerce, then you might use this plugin: Paypal Checkout .

If you are on Joomla, then you might be interested in this or this. If your store was built with custom code, then you will need to take a look at the api integration doc, which is straightforward and easy to consume.


  1. Stripe

Stripe is uniquely positioned as an alternative to PayPal. It boasts of clear fee structure and it is more developer-friendly. That does not mean you necessarily need to be a developer to be able to integrate Stripe into your store. On the contrary. It means without being a developer, you can go the DIY route,  especially if your platform does not support it out of the box. Apart from this, Stripe makes it very easy to customize and fine-tune the payment interface in a way that makes it blend with the rest of your store. Stripe also offers your buyers with a range of payment options: credit cards, digital wallets, ACH transfers, etc..With Stripe you can handle one-off payments, crowd-funding campaigns or  bill your customers on a recurring basis. You can even set up a market-place quite easily and let Stripe deal with the hassle of handling payment processing for each of your in-house merchants. Stripe is available in over 30 countries and it serves 135 currencies.


Pricing:  Stripe charges you 2.9% (and $0.30) of every card transaction (.8% for ACH payments and 1% for international transaction). There is no setup or maintenance fee.

Integration: Stripe works with a huge number of third-party tools and platforms, which means it like has a plugin for your e-commerce platform. And as stated above, even if some reason it does not or if you are building your own store from the ground-up, then integration is a bliss. Your store can go live with just a single (simple)  line of Javascript. Plus, you can have a 24/7 technical support via email, chat or over the phone.


  1. Apple Pay

Apple Pay makes the list (ranks high even)despite its young age simply because it offers something more unique than all others: simplicity. As the name indicates, Apple Pay is a payment system rolled out in the summer of 2014 by the global computer company: Apple.


It’s a seamless payment solution for users of Apple product which in the United States is about 64% of the population. But even if your users don’t have an iPhone, iPad or any Apple device, they can still make payment if they are using Safari browser. Granted, that might be a bit of a bummer if your target market is not predominantly based in the United States, but, why not, it can be added as an option for your Apple users.


So, if your next question is, what makes Apple Pay so special in the first place?


First of all, Apple Pay works as a mobile wallet for when your users are out and about. It’s a secured one-click payment solution that makes it easy for users to checkout with just a touch.

Yes, you read it right. No complication, no 16 digit card crap. With just a Touch, Face ID, or a swoosh on Apple Watches, you can get paid and your users can get on about their business.

It does not get easier than that. Secondly, remember the conversion rates mentioned earlier? It has been confirmed that every layer of process that potential buyers go through in the checkout phase increases the number of those who abandon the process altogether. You don’t want that.

Once a customer likes your product and makes the decision to pay you for it, your job is to get out of their way as fast as possible. With Apple Pay, you significantly reduce that barrier.


Fees: There is no setup fee. 3% if  transaction is funded by a credit card and $0 if purchase is made via debit card or in-app balance.

Integration: You might need to consult your app developer for the integration.


  1. Square

While Square is mostly known as an in-person point-of-sale (POS) provider, they also offer ecommerce options that you might take a look at. Among other things, one of the things that make them unique is that aside the usual credit/debit cards, Square can also offer your users options such as Google Pay and Apple Pay. Which means, if you are interested in Apple Pay for example but you are not excited by the fact that it is only available on Apple products, then you can go for a multi-purpose provider like Square to get the best of both worlds.

More options and variety is always a good thing, and your customers will appreciate and reward you for it.

 Fee: Just like every other payment solution, Square charges you 2.9% and $0.30 per transaction.

Integration:  Square offers an aggressive approach to integration. It is a straightforward process if you are using any of the popular platforms like Wix, BigCommerce, Woocommerce (WordPress), Magento , Ecwid, Shoppify, etc. If you are rolling up your own party, then getting  assistance is a easy as requesting a sales call or via web chat.



Founded in 1994, is the oldest payment processor  in our list but it earned its spot. When compared with the others, Authorize is not the cheapest option, but it well make up for it in features, prestige and solid customer experience. Like many others, it offers an option for on-site (one-time) transaction and also recurring billing. It accepts all major debit/credit cards and wait for it…it also accepts Paypal and Apple Pay. Which means, with just one account opened with, you give your customers a huge amount of impressive options.

Talk about hitting three birds with just one shot. Savvy.


Fees: For their All-In-One-Option, you pay a gateway fee of $25 per month and 2.9% (and $0.30) per transaction. With Payment Gateway Only option, you still pay $25 per month but with $0.10 per transaction and $0.10 per day (batch fees).

Integration: It’s been around for 25 years. At this point it is safe to assume that there is always going to be an implementation of its gateway in just about any platform out there.

And if not, with the amount you are paying, expect a first class help from their tech support.

Blake Crawford

Blake is the Creative Director here at Greenstone Media. He helps companies tell the story their customers need to hear. When he isn't working, Blake enjoys hiking, playing guitar, and writing songs.