Struggling with abandoned carts at checkout?
Choosing the right payment gateway can feel like a guessing game, especially with so many options that may or may not be a good fit for your SaaS business.
If you cannot offer the payment methods your customers prefer, you risk higher churn and limited sales reach. Worse yet, high transaction fees or technical glitches can eat away at your profits and frustrate buyers.
Finding ways to minimize payment friction and increase customer conversions is not just smart, it is necessary for survival in today’s digital commerce.
A report from Statista highlights that as much as 18% of cart abandonment is due to a lack of suitable payment options, underscoring how important payment flexibility is to your bottom line.
This is exactly where choosing the best payment gateway services becomes crucial for your growth.
In this article, I’m going to break down what I believe are the best payment gateway services to maximize your sales reach in 2025, so you can make a confident decision for your business.
You’ll discover top-rated platforms that can help you accept more payment types, cut out unnecessary fees, and provide your users with the utmost payment convenience, including tools to help you simplify your tax & compliance.
Let’s get started.
Quick Summary:
| # | Software | Target Users |
|---|---|---|
| 1 | Stripe ↗ | Businesses scaling globally with complex billing needs |
| 2 | PayPal ↗ | Small businesses needing trusted, easy payment tools |
| 3 | Square ↗ | Small businesses seeking all-in-one payment with management |
| 4 | Adyen ↗ | Growing businesses expanding sales with unified payments |
| 5 | 2Checkout ↗ | Small businesses aiming for simplified global sales growth |
1. Stripe
Want to expand your sales globally without hassle?
Stripe tackles the complexity of accepting payments worldwide by supporting over 135 currencies and payment methods while increasing authorization rates and reducing fraud with AI.
I’ve seen many businesses struggle to scale because payments can be a huge headache, especially when dealing with multiple countries or complicated pricing models. Stripe’s modular suite lets you easily manage online and in-person payments, subscription billing, invoicing, and even issuing cards, all from one platform. You don’t need to be a developer to get started since they offer no-code tools like Payment Links and prebuilt Checkout forms.
A big win here is Stripe’s AI-powered fraud prevention with Radar, which helps keep your revenue secure while reducing chargebacks. Plus, the platform handles tax automation, custom reporting, and multiparty payments for marketplaces or platforms, so you can focus on growth instead of paperwork. It’s also designed to fit various business types, from startups to enterprises and across industries like SaaS, ecommerce, marketplaces, and even AI companies.
Did I mention it integrates with over a hundred popular tools?
Stripe’s API-first design offers flexibility and scale, while certified partners and a large ecosystem make custom setups easier. Stripe continuously processes billions annually, with 99.999% uptime, making it reliable for your business.
Key features:
- Supports 135+ currencies and methods: Accept payments globally with local options to boost conversions and reduce payment friction worldwide.
- AI-driven fraud prevention: Radar’s machine learning minimizes fraud risk and improves authorization rates, protecting your revenue.
- Comprehensive billing & payouts: Manage subscriptions, usage-based pricing, marketplaces, and multiparty payouts effortlessly in one platform.
Learn more about Stripe features, pricing, & alternatives →
Verdict:
Stripe stands out among the best payment gateway services if you want a flexible, secure platform that grows with your business. Trusted by companies like Twilio and Amazon, Stripe helped Twilio increase authorization rates by 10%, proving its impact on revenue. It’s perfect if you want to accept payments globally and automate complex billing and fraud protection.
2. PayPal
Want an easy way to expand your sales reach?
PayPal makes accepting payments simple by letting you add online checkout options quickly, so your customers can pay how they want.
You can accept credit cards, PayPal, Venmo, and even offer installment plans like Pay in 4. Plus, with guest checkout, buyers don’t have to create an account, reducing friction and cart abandonment.
You might also be interested in how crypto credit cards software can further expand your payment options for tech-savvy customers.
It’s built for small business owners who need efficient, trusted payment tools without a complicated setup.
PayPal protects your transactions with encrypted payments and fraud protection, keeping both you and your customers safe.
Another cool feature is their invoicing and payment link tools, which let you send bills or payment requests right from your dashboard. These options help speed up cash flow and make payments easier to track.
You also get access to financial services like working capital loans and a PayPal Business Debit Card that pays cash back and helps manage your money better.
If tax invoicing is important for your business, consider exploring the benefits of using GST billing software to simplify your processes as well.
Check it out for yourself!
Key features:
- Flexible payment acceptance: Accept cards, PayPal, Venmo, and installment payments to convert more browsers into buyers with varied payment options.
- Simplified invoicing and payment links: Send invoices or payment requests instantly to speed up payments and improve cash flow management.
- Built-in security and fraud protection: Keeps your transactions safe, protecting revenue and maintaining customer trust without extra hassle.
Learn more about PayPal features, pricing, & alternatives →
Verdict:
PayPal stands out as one of the best payment gateway services for small business owners who want a trusted, comprehensive payment solution. It offers tools that boost conversions with diverse payment options and protects transactions. Their working capital loans and cash-back debit card give added financial flexibility, helping businesses grow with confidence.
3. Square
Looking to streamline your business payments effortlessly?
Square solves this by offering a comprehensive payment gateway tailored to your business needs. It lets you take payments easily whether you run a restaurant, retail, beauty, or service-based business.
You can manage orders, track inventory, and keep customers coming back — all from one place. It helps you stay organized and scale your business without the usual hassles. Square offers hardware like handheld devices, terminals, and registers that work perfectly with its software, so you can accept cash, cards, or contactless payments smoothly.
Square is flexible.
It supports scheduling and paying your team directly inside the platform, which means managing staff doesn’t feel like a separate chore. Plus, it helps you keep an eye on your cash flow to grow smartly and stay financially healthy.
Beyond payments, you get marketing tools to attract and retain clients and an intuitive dashboard to track performance and customer behaviors — useful if you want to drive repeat business and add new revenue streams.
Square’s extensive tools put powerful business management right at your fingertips.
Key features:
- All-in-one payment acceptance across various industries, helping you reduce checkout friction and boost sales effortlessly.
- Integrated team and cash flow management so you can schedule, pay, and grow without juggling multiple tools.
- Robust customer engagement tools that help you attract new clients and build loyalty to keep them coming back.
Learn more about Square features, pricing, & alternatives →
Verdict:
Square stands out among the best payment gateway services for small business owners seeking simplicity and efficiency. With over 4 million businesses trusting its platform, Square combines payment processing with inventory, staff, and customer management. Its all-around approach helps owners overcome operational challenges and scale with confidence.
4. Adyen
Looking to expand your payment reach in 2025?
Adyen lets you accept payments globally with local acquiring to help grow your business everywhere.
It’s a single platform for payments, data, and financial management, so you can control everything from one place. Adyen connects your online and in-store payments, giving you a unified view of your customers’ journeys. This helps you tailor the buying experience and grow sales more effectively.
Its fraud protection works at scale, detecting risks without blocking real sales.
With Adyen, you can process online payments and enhance physical point-of-sale systems by picking terminals that fit your store’s needs.
The platform also offers advanced data insights powered by machine learning to boost approval rates and reduce fraud, helping you make smarter business decisions.
You can even generate virtual or physical payment cards to pay users instantly and automate financial workflows.
Key features:
- Global payment acceptance with local acquiring so you can easily add more payment methods and enter new markets without hassle.
- Unified commerce combining online and offline payments to provide smoother customer experiences using cross-channel insights.
- Advanced fraud management using machine learning that protects revenue while keeping customer checkouts frictionless and secure.
Learn more about Adyen features, pricing, & alternatives →
Verdict:
Adyen ranks high among the best payment gateway services for growing businesses aiming to maximize sales reach in 2025. Its single platform handles payments, fraud, and finance in one spot, helping brands like Lightspeed scale globally while improving approval rates and customer experience. Its unified approach to payments and data really sets it apart.
5. 2Checkout
Are you struggling to reach global customers effectively?
2Checkout’s all-in-one monetization platform helps you expand your business worldwide by accepting payments in multiple currencies and payment methods.
It simplifies global e-commerce for businesses by providing a flexible checkout experience that converts visitors into buyers, no matter where they’re located. The platform’s fraud protection and compliance tools reduce risk and ensure smooth transactions. This means fewer abandoned carts and more completed sales for your business.
Your business gets paid, no matter what.
The platform supports a wide range of payment types—from credit cards to digital wallets—making it easy for customers to buy your products or services.
One standout capability is how 2Checkout handles tax and regulatory compliance automatically, saving your business time and headaches, especially when selling across borders.
It also offers detailed analytics and reporting, so you can understand your sales better and optimize accordingly.
Increase your sales reach easily.
Key features:
- Global payment acceptance in multiple currencies lets you tap into international markets and boost your revenue without manual currency conversions or local payment restrictions.
- Built-in fraud protection and compliance tools help reduce chargebacks and keep your business safe from costly payment risks across regions.
- Automated tax and regulatory handling saves you time and ensures your payments meet local laws, freeing you from complex international compliance hassles.
Learn more about 2Checkout features, pricing, & alternatives →
Verdict:
2Checkout is a solid choice for small business owners aiming for global sales growth. It offers a payment gateway that supports multi-currency transactions alongside robust fraud and tax management. Companies have seen reduced cart abandonment and smoother payment flows thanks to their flexible checkout and secure platform. As one of the best payment gateway services, 2Checkout effectively helps you break international barriers.
6. Braintree
Looking for a payment gateway that powers global sales?
Braintree offers a secure, end-to-end payment platform designed to help you reach new customers worldwide.
Its simple integration unlocks multiple payment methods like PayPal, Venmo, Apple Pay, Google Pay, and local options, which means you can accept payments exactly how your customers prefer. This flexibility is a big win when expanding sales reach without complicating checkout.
You also get a Level 1 PCI DSS compliant service, ensuring your customers’ data is protected while reducing your compliance headaches. This is critical if you want smooth, secure transactions with less risk exposure.
The platform lets you manage payments and share data with other services, so you can easily optimize operations and scale as you grow.
Braintree’s built-in fraud management tools help protect your business from payment threats, improving your risk decisions and reducing chargebacks. If you’re thinking about a more comprehensive strategy, consider looking into best endpoint security software so your business remains safe on all digital fronts.
You can send fast payouts in over 200 markets and 50 currencies, making global commerce convenient for your business without juggling multiple providers.
Key features:
Multi-channel payment support: Accept credit cards, debit cards, PayPal, Venmo, and popular wallets like Apple Pay with one integration to boost conversions.
Robust security and compliance: Level 1 PCI DSS certification and ready-built secure checkout interfaces protect customer data and ease your regulatory burdens.
Global payout and currency support: Send payments to 200+ markets in 50+ currencies, letting you efficiently manage international sales and vendor payouts. If you’re scaling an online business, these tools offer benefits similar to what you’d find in best Uber clone scripts for fast-growing digital platforms.
Learn more about Braintree features, pricing, & alternatives →
Verdict:
Braintree stands out as one of the best payment gateway services for business owners aiming to expand sales reach globally. With $1.53 trillion processed in 2023 and 25 billion transactions annually, its multi-payment method support, strong security, and global payouts ensure your business can grow and compete worldwide.
Conclusion
Is your payment method stalling your sales?
Finding the right payment gateway can be quite the challenge, especially when you want to meet your customers’ preferences without lost revenue. If you’re not offering the payment options they want, you risk higher cart abandonment rates.
In fact, a report from Statista indicates that around 18% of cart abandonment is linked to inadequate payment methods. This statistic truly highlights how critical payment flexibility is for maximizing your sales potential.
So, what’s the answer?
Choosing a top-tier payment gateway can resolve these issues. My recommendation? Stripe. It seamlessly integrates flexible payment methods, reducing friction at checkout and thereby boosting your conversion rates. A standout feature of Stripe is its AI-powered fraud prevention, which keeps your transactions safe while maximizing revenue.
If you’re ready to see significant improvements in your sales process, I encourage you to start a free trial of Stripe.
By taking this step, you’ll benefit from a simplified payment experience that your customers will appreciate, ultimately driving your business forward!
