For those keen to make the leap from physical store to online, we’ve created a handy guide to the Top Online Payment Gateways to help you on your way.

With the giant boom in online shopping this past year, more businesses than ever before are looking to switch to digital stores. We’ve had many queries regarding the Top Online Payment Gateways, so decided it was time to consolidate the information and put it out there for everyone to benefit.

Paypal Payflow Pro

Paypal is a household name, having established itself as one of the leading payment gateways. This is in part thanks to its connection with eBay. Paypal Payflow Pro is PayPal’s open, secure payment gateway that allows merchants to process payments via debit and credit card, PayPal, PayPal Credit, authorisations, captures, and credit voids.

For businesses looking to step up their payment game, Paypal Payments Pro is available. It provides the same features as Payflow Pro, but uses PayPal as their credit card processor instead of their financial institution (which is the case with Payflow).

There are also extra features that allow merchants to take complete control by hosting their own checkout pages, or to have PayPal host the checkout pages and manage security for transactions.


With Square, you can choose in-person payments using a physical terminal (or reader), or digital and phone payments using their Virtual Terminal.

Square Terminal is an all-in-one credit and eftpos machine that processes payments and receipts. Every tap or payment attracts a 1.6% transaction fee, with funds being received in 1-2 business days. The terminal is portable and works for contactless cards and devices, as well as chip cards, Apple Pay and Google Pay. The Square team also handle all payment disputes on your behalf.

Square Reader is a tap-and-go credit card reader that connects to your phone via Bluetooth. Chip and contactless cards, Apple and Google Pay are all accepted, and every tap or insert has one flat rate of 1.9%.

Square Virtual Terminal lets you process payments from your computer and take card-not-present transactions and over-the-phone payments. Your account has customisable permissions, so you get to set up personalised access controls for individual team members. Virtual Terminal payments attract a 2.2% transaction fee.


Payson is a Swedish based company, and the gateway is growing in popularity. With no setup, management or account fees, it is another attractive choice for online businesses. Transaction fees vary depending on membership level, so it is advised to contact the company for a complete breakdown of choices and transaction fees.


Stripe is proving to be a powerful payment gateway that offers more than just transactions. It is an integrated suite of payment-related products, giving merchants the ability to process online and in-person payments, send payments, and manage subscriptions and invoicing. These are not the only functions, however, with a terminal for POS transactions, connection to major online sellers and platforms such as Shopify, Sqaurespace, Magento and Airtasker, and even card issuing and fraud management.

As with Square and many other gateways, there are no setup or monthly fees. With Stripe’s Integrated package, transaction fees for domestic payments are 1.75%+0.30c, while for international payments they are 2.9%+0.30c. There is also an option to customise a package for your business.


The eWAY team is ticking boxes all over Australia, and businesses have started really taking notice. Over 250 shopping cart and software integrations, it is said to be easy to connect to online stores.

Primarily processing credit card and Apply Pay payments, there is a flat rate of 1.5%+0.25c per transaction for domestic and international credit cards.

With eWAY, pricing is simple, support is 24/7, and fraud protection is free. It is well worth a look if the payment facilities fit your business’ needs.

To tie up the main points for comparison with each of these top online payment gateways, we’ve created a handy table!

Top Online Payment Gateways

Whatever industry you’re in, having a reliable, portable, and cost-effective payment gateway is vital. Choosing the right product can help your business grow to new heights, migrate from physical to online operation smoothly, and expand your customer base beyond your wildest dreams.

For more information about the top online payment gateways and how to integrate them into your business website and digital marketing solution, contact the Web Marketing Angels crew today.

Top Online Payment Gateways
Web Marketing Angels - Top Online Payment Gateways