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WooCommerce Payment Gateways – The Ultimate Guide to Choose the Best

What are the pros, cons, pricing of top WooCommerce payment gateways? How restricting gateways boost sales? Key points to consider when choosing any gateway.

Last updated on November 15, 2021

Which are the best WooCommerce payment gateways? How you can cut down on costs, frauds? What factors to consider while implementing payment gateways to grow sales? You’ll find in this article. So ready set go!

What is a payment gateway? How payment gateways work?

In simple terms, payment gateway authorizes payments between your customers, their credit card company, and your bank. It allows your customers to enter their payment details and pay for the products you sell on your WooCommerce or any eCommerce store.

Here how payment gateways work

WooCommerce payment gateways infographic
WooCommerce payment gateways infographic
  • Customer places an order and submits their payment details.
  • Payment details are sent from your WooCommerce site to the payment gateway.
  • Payment gateway forwards request to the customer’s lender (bank, credit card, etc.)
  • The lender verifies the availability of funds and authorizes payment through the gateway.
  • Payment gateway deposits funds into your account.

Good payment gateways should be fast, easy to integrate, affordable, and use the latest encryption technology to ensure your customers’ data is secure throughout the entire payment journey.

Why payment gateways are so important for checkout?

Just consider this.
You have a beautiful website. You have great products. Your marketing delivers a solid punch.

But when it comes to the crucial checkout step – entering card details, users abandon your website.

The morsel was in the hand, but you weren’t able to taste it. Same situation. So, all those hours of sweat and money, a waste!


Because of wrong payment gateways.

Look. Payment gateways are the one using which customer will pay you. So if they don’t see trusted or popular gateways, they will abandon.

However not all payment gateways will work for you. Choosing good ones will boost sales. Wrong ones will hurt your sales.

You need to strike an optimum balance that brings the best value at the lowest cost.

So to achieve that optimum balance, these key points below will guide you to choose the best payment gateways for your WooCommerce store.

Ten key points to consider when choosing WooCommerce payment gateways

While the WooCommerce payment gateways page lists down four major points, we added a few more that are worth considering.

Cost and Fees

Now, each payment gateway charges differently. Some have an initial set-up cost while some allow free set-up.

But every gateway will charge you a transaction fee and a fixed cost charged for every sale you make. There are monthly or yearly fees as well.

What’s more? Transaction fees also change depending on where you sell – within the U.S. or outside it.

Generally, if you’re selling high-priced items, you want to lower your percentage transaction costs. And if you’re selling low-priced items, you want to reduce your fixed costs.

In the end, it boils down to choosing a payment gateway that fits your business model.

Frauds, risks, chargebacks

You can’t avoid refunds but you can minimize them.

Certain locations have higher fraud rates. Certain payment gateways make it very easy for customers to raise disputes. As a result, you end up losing more money than you make from that sale.

So disabling such gateways is advisable to lower your risk and worries.


Some payment gateways are only specific to some countries. Local customers feel more comfortable transacting using the local gateway.

So if you sell locally, enabling that gateway seems a bang for the buck. If not, don’t give a thought.

A good thing is WooCommerce provides a country filter in the extensions store so that you can check which payment gateways work in your country.

Trust, Security, PCI Compliance

Obviously, customers won’t purchase from you if a payment gateway is unknown to them or your store isn’t secure.

That’s why most payment gateways require you to have an SSL (Secure Socket Layer) certificate. This ensures that all communications between your site and customers are encrypted and secure.

Additionally, you should also make sure your site is covered by the Payment Card Industry Data Security Standard (PCI-DSS).

These apply to all organizations that handle credit card transactions. Also, check the gateway’s compliance page to find out their PCI Service Provider level.

  • Level 1: Processing > 6 million card transactions per year. This is the most stringent level.
  • Level 2: Processing 1 to 6 million transactions per year.
  • Level 3: Processing 20,000 to 1 million transactions per year.
  • Level 4: Processing < 20,000 transactions per year.

Gateways with the highest security levels will also include 3-D Secure as an extra layer of authentication. This help minimize fraud.


If you’re selling subscription products, you’ll need a payment gateway that supports automatic recurring payments.

But, due to additional security measures associated with storing customer payment information, not all payment gateways support it.

However, major WooCommerce payment gateways like Square, Stripe, PayPal, and Amazon Pay support subscriptions.

WooCommerce users also have the option of using the WooCommerce Subscriptions plugin. It supports both automatic and manual types of recurring payments.

List of payment gateways that supports automatic recurring payments

Integrated vs Hosted

An integrated gateway performs all authorization on your WooCommerce website like (customers won’t get redirected elsewhere…like in case of Stripe)

While a hosted one takes the customer offsite to complete their transaction (such as before sending them back to your site to view a confirmation page.

For some customers, these may be annoying. But hosted sites are also secured (like PayPal Standard).

Most popular payment processors support integration with WooCommerce, so research well.

Volume pricing

For large stores, setting up your own merchant account is a deal-breaker. You can negotiate better transaction fees and volume pricing.

Using one payment processor makes this easier. A gateway with a volume pricing discount will lower your transaction fees as your volume of sales increases.

Merchant account requirements

If you own a retail store, you probably already have a merchant account.

However, Stripe and PayPal no longer require you to open a merchant account. Instead, these “aggregators” use a single merchant account for all of their users, making payment management easier by creating an all-in-one account.

Multi-currency processing

Even if the majority of your customers are local, finding a payment gateway that can handle different currencies will let you eventually expand into foreign markets.

No doubt, a customer feels safer and more comfortable buying from you when they can purchase with their local currency. And some gateways do handle different currencies.

Customers also save time because they don’t need to calculate exchange rates.

Single vs multiple payment gateways

Using only trusted and popular gateways like PayPal is a good option. But that doesn’t mean you shouldn’t expand your gateway selection.

In case of a breakdown, if an alternate option is available, it is a safe bet. Example using both PayPal & Stripe.

But also don’t overload customers with choices. Also, take into consideration where you sell the most. Three to four gateways is a fair option.

When you consider all the above ten points, you’ll gain confidence in selecting the most appropriate payment gateways.

That said, let’s see the best payment gateways you can implement on your websites.

Top WooCommerce payment gateways – pros, cons and pricing

Whether you’re going with single or multiple gateways, you’ll want to choose from those that are already popular among consumers.


With 400+ million customer accounts, availability in over 200 countries, PayPal is the most popular and most widely used WooCommerce payment gateway. Easy to set-up, and the gateway doesn’t require sellers to have a separate merchant account.

PayPal currently has 7 different plugins available on WooCommerce. But we will consider the two most popular ones – Payal Standard and PayPal Payments Pro.

PayPal Standard

PayPal Standard is an affordable solution with no initial set up costs, only transaction costs (this varies per country). It also comes built-in with WooCommerce, so there is no need to install an additional plugin.


  • Customers are redirected PayPal’s secure site to finish the transaction.
  • Multi-currency support
  • Supports recurring payments
  • Paypal fraud detection
  • Supports automatic rebilling for failed subscription payments. This means rebilling can issue another charge at a later date, increasing your chances of winning back lost revenue.


  • Customers getting redirected to PayPal’s secure site is also considered as a limitation, as it could impact the flow of the customer purchasing experience.


PayPal Payments Pro

PayPal Payments Pro lets you accept credit and debit card transactions. It is only available to those having a PayPal Pro Business account.

It has good features but for small WooCommerce stores, the set up and ongoing costs are high.


  • Merchants can directly accept payments for web and mobile.
  • No redirection. Customers stay on your store during checkout.
  • Multi-currency support
  • PCI compliance
  • Paypal fraud detection


  • Only available in the U.S, the UK, Canada and Australia.
  • Expensive
  • Not compatible with subscriptions


  • $79 that includes download cost, 1 year support and updates
  • $30 monthly fees
  • 2.9% + $0.30 per transaction

Instead, you can opt-for PayPal Powered by Braintree. It’s free to install and also supports WooCommerce recurring payments.


Another very popular and rapidly growing payment gateway. Stripe is built with mobile in mind — supporting Apple Pay and Google Pay — as well as other payment gateways around the world. Currently, the service accepts credit and debit cards in more than 135 countries.

Stripe is easy to set up and also supports one-click checkout.

Here’s how to enable one-click checkout for Stripe.


  • Customers stay on your WooCommerce store during checkout. They aren’t redirected elsewhere.
  • Extremely developer friendly
  • PCI-DSS compliant.
  • Process refunds from your WooCommerce Dashboard
  • Support recurring payments and automatic rebilling for failed subscription payments.
  • Multi-currency support


  • Transactions are automatically converted to your local currency. This is a big drawback for businesses wanting to hold multiple currencies and convert them at a later date.


Amazon Pay

Yes. Amazon is also in the payment game. It’s a master at improving checkout experience and Amazon Pay just leverages it.

Customers can log into their Amazon accounts to make a payment without leaving your website, giving you more control over their experience. No need for them to create an account on your store, or check out as a guest.


  • Amazon Pay supports recurring payments through WooCommerce Subscriptions and offers volume pricing options.
  • It also supports automatic rebilling for failed subscription payments.
  • Amazon-proven fraud protection and detection technology.
  • Mobile-optimized widgets for tablets and smartphones.
  • Multi-currency support


  • Only available in 19 countries. USA, UK, Germany, France, Belgium, Cyprus, Sweden, Switzerland, Portugal, Hungary, Denmark, Japan, India, Italy, Ireland, Spain, Luxembourg, Austria and the Netherlands.
  • Like Stripe, while you can charge in multiple currencies, these are automatically converted to your local currency.



WooCommerce team have developed the Square plugin. Like the rest of the payment gateways mentioned, Square also accepts all major debit and credit cards.

Square integrates its inventory management system with WooCommerce. When someone buys an item from you, the inventory is automatically synced between the two.

If you sell products or services in a physical store in addition to your eCommerce store, Square could be a great option as you can integrate your physical and online sales into one central hub.


  • Allows you to accept payments directly on your store for web and mobile.
  • Customers stay on your store during checkout instead of being redirected to an externally hosted checkout page.
  • Chargeback protection and fraud detection.
  • PCI-Compliance with zero fees.


  • No out of the box integration with WooCommerce Subscriptions – you may need to purchase an additional plugin.
  • Only available in 5 countries – the U.S, Canada, Australia, Japan and the UK.


  • 2.9% + 0.30$ per transaction
  • No setup costs and charges on an individual transaction basis
  • 2.5% for UK, 2.2% for AU, and 3.6% for JP for online transactions.
  • In-person transactions are charged at 2.75% (2.65% for CA, 1.75% for UK, 1.9% for AU, and 3.25% for JP).
  • It takes up to two business days to receive the funds.
  • Know more about Square pricing


Authorize.Net is a payment processing platform designed to make transactions as simple and secure as possible. It is a leader in payment security. And also one of the oldest and most trusted payment gateways.


  • It’s Accept.js API is designed to capture a customer’s payment data before it is passed to your server — processing it instead through Authorize.Net. That keeps your customers’ personal data safer.
  • Accepts payments from all major credit cards and digital payment options like Visa Checkout, Apple Pay, and PayPal.
  • Supports WooCommerce subscriptions and pre-orders.


  • Not available in Asia and Africa.
  • Accepts only 7 currencies.



As mentioned above, Braintree is like PayPal Pro except that is supports WooCommerce subscriptions. It also doesn’t have any set-up fees.


  • Accept all types of credit cards, wallets including Android pay, Apple Pay, Google Pay and more.
  • Supports over 130 currencies
  • One-touch payment, support for digital wallets
  • Customization options for failed transaction management, pricing plans, discounts, automatically prorated subscriptions.


  • Does not handle currency conversion, instead your customers are charged in your accounts currency and the customers bank handles the conversion and associated fees.
  • Considered less secured compared to other payment gateways.



The 2Checkout payment gateway is entirely compatible with WooCommerce. By installing this plugin, you can accept payments from clients all over the globe.


  • Includes PayPal direct Checkout. 2Checkout makes checkout easy by letting them skip the billing and shipping steps.
  • The automatic calculation of all taxes like VAT in different countries around the world is very impressive.
  • Support up to 87 different currencies and up to 15 languages.
  • Supports recurring payments
  • Easy to set up and integrate, intuitive, everything’s well documented


  • Not good for high-risk merchants
  • Platform not so flexible, some capabilities missing.
  • Higher rates compared to alternatives


Direct Bank Transfer, COD, Cheque Payments

While card payments account for the vast majority of online purchases, they’re not the only payment method available.

For example, in local markets, COD or Cash on Delivery is preferable while for very high value orders, it’s common for people to use Direct Bank Transfer (BACS) or Cheque Payments.


Just like other payment gateways, Mollie also belongs to the top WooCommerce payment gateways. Mollies support all the major cards including debit and credit cards. Moreover, it gives the choice for selecting the preferred currency and even lets to choose ‘pay on delivery’.

With Mollie, you can access all the major payment methods with just a single contract. It is PCI-DSS level 1 certified and has a dedicated fraud detector. The Dynamic 3D security enabled for Mollie secures all the credit card payments.

Other popular payment gateways – Alipay, SagePay…

Alipay is a mobile payments giant in China. If you want to target Chinese users through your online store, integrating Alipay is a must.

As far as features go, Alipay is up to par with the other payment processors covered so far. Likewise, you can easily integrate it with WooCommerce using extensions such as Alipay Cross Border Payment Gateway.

Like Alipay is for China, SagePay for UK. Powerful, secure, feature-rich.

Phew! That covers almost all the most popular ones used worldwide.

Well, now let’s see how restricting these payment gateways can get you more sales

I guess you now have a fair idea why to show or hide certain payment gateways on your WooCommerce store.

But do you know there’s a very easy way to show/hide a particular payment gateway!

That’s using Conditional Payment Methods for WooCommerce plugin.

The plugin developed by StoreApps can be purchased on

Using this plugin, you can show/hide available payment methods based on customer’s billing or shipping address – country, state/county, city or postcode, or order total. Get full control as to which payment method to be shown / hide for each country.

Conditional Payment Methods for WooCommerce settings

Major benefits of using Conditional Payment Methods for WooCommerce plugin

  • Simple set-up, easy-to-use.
  • No coding or customizations required.
  • Restrict based on products in cart – recurring subscriptions / virtual products, etc. (Coming soon)
  • Conditional rules based on customer’s “geo-location” based on IP address (Coming soon).

Get Conditional Payment Methods for WooCommerce

Pro-tips to grow sales by restricting payment methods

Every country has its own tax rates, fees, billing infrastructure, currencies, preferences for particular payment methods or gateways.

So based on these conditions, enabling or disabling a particular payment method will help you cut down on losses. And customers will select the one they prefer and complete the checkout.

  • If you are selling worldwide, have two major payment gateways – Like PayPal & Stripe or PayPal & Authorize.Net along with other low cost options.
  • Disable gateway like Stripe for non-local customers and enable a specific gateway that is widely used in that country. For example, Alipay in China, CCAvenue in India, etc.
  • Enabling Apple Pay is also a good choice if you have high-end customers and sell worldwide. Apple Pay for WooCommerce is currently enabled via Stripe Payments.
  • If you sell majorly in the United Kingdom, enable SagePay on your store. It is a widely used payment gateway there along with other popular ones.
  • If your maximum paying customers are from Australia, Canada, Japan, UK and the United States, enable Square payment gateway.
  • Payment Gateways like Stripe & Amazon Payments are not used in African countries. Disable them if people from these countries buy your products.
  • Allow Direct Bank Transfer only when the order total is higher. Say above $1000. This will allow you to save on fees and avoid chargeback later.
  • For selling subscriptions, it is advisable to show Square, Stripe, PayPal that supports automatic recurring payments.
  • Not just gateway, customer also prefer to pay in their own currency. So enable gateways like Stripe or PayPal that supports multi-currency.
  • For small order total, enable Cash on Delivery. Similarly if you sell in rural markets or where the majority of transactions are in cash, Cash On Delivery is a good option.
  • Don’t allow credit card payments for some specific countries, cities, and zip codes where chances of frauds are more.


The checkout stage is important. Payment gateways are crucial.

When you restrict payment gateways, it will surely help you win customers’ trust. And more trust means more repeat sales, faster checkout and lowering abandonments.

Oh yeah, don’t forget to use Conditional Payment Methods for WooCommerce plugin. It’s easy, powerful, valuable. And you’ll have great conversions.

Feedback, suggestions, comments? Share your thoughts below!

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