Best Online Payment Solutions - Comparison Guide
Dec 6, 2021
Best Online Payment Solutions - Comparison Guide

In this article, you'll learn how to hand-pick online payment software for your business.

Whether you are developing an e-commerce site, SaaS software, a micro-business, or more, collecting payments online has become essential today to build your business correctly.

However, there are many solutions on the market in many areas, and you can quickly get lost not knowing which payment solution to choose.

Top Online Payment Solutions


Established in 1999, eBay acquired PayPal in 2002 and has grown to become one of the most versatile and recognized online payment processors.
Paypal offers customers the option of paying with either PayPal or any other payment vendor, at all competitive rates.

PayPal declares that offering its service as a payment option to customers can increase conversions by 44%.

Adding PayPal as a payment option is super easy. All users need to create an account and add a "Pay with PayPal" button to their website.

If you want to use PayPal's advanced payment and settlement features, you must subscribe to PayPal Payments Pro.

This plan allows users to accept payments by American Express, Visa, Mastercard and integrates with major e-commerce platforms such as Shopify, Squarespace, BigCommerce, and WooCommerce.


Stripe is an online payment solution that allows you to accept and manage online transactions anywhere in the world.

Stripe provides complete solutions for processing online payments and offers features such as management of invoices, subscriptions, single-link payments, easy-to-use payments, SEPA direct debit payments, and more.

Stripe is a robust online payment solution and a significant player globally.
The power of Stripe and offering a large number of payment methods is a valuable tool for preventing fraud.

Stripe also provides an open API that makes it easy to integrate into your business ecosystem whether you run an e-commerce store or not.


GoCardless is an online payment solution specializing in recurring payments.
Designed for subscription platforms and allowing one-off payments, GoCardless is an excellent solution to reduce friction when paying your customers. In addition, Gocardless, unlike other providers (except Stripe), works via SEPA direct debit and not by credit card.

The advantage?
No more fake bank cards and lack of funds on them; with GoCardless, debits are automatic once your customers are subscribed. Of course, GoCardless is a very secure payment platform and can be easily integrated into your flows via API in particular.

Amazon Pay

Amazon Pay is a payment solution designed for Amazon merchants and buyers.
It is an easy, fast and secure payment solution.

Amazon payments come in two forms: login and pay for buyers and payment with Amazon for merchants.

This payment solution is designed to provide a seamless shopping experience for online retailers and sellers.

Amazon pay is loaded with features and tools that attract customers and encourage them to make more purchases, streamline their buying process, and improve customer engagement and retention by recording payment details to speed up the checkout.


MongoPay is an all-in-one online payment gateway for merchants. MongoPay makes it possible to collect payments quickly and securely online. This digital payment solution is developed for marketplaces, e-retailers, crowdfunding platforms, and B2B business networking platforms.

Among the main features of MongoPay are:
Support for payment methods
E-wallet and IBAN-ization
Fraud detection algorithm
White mark

In short, MongoPay is the perfect payment tool if you are creating a connection platform since it supports all the complex logic of an e-wallet.


Braintree is a payment solution that is part of the PayPal network.
Braintree is designed to make the payment process more accessible. Braintree allows many payment methods such as Apple Pay, credit cards, Paypal, and many others to be integrated into its website and streamline the user experience at the checkout level.
Note that Braintree supports both one-off and recurring payments.

Braintree is present in 40 countries around the world. It supports 130 currencies and enjoys the benefits of faster and more secure transactions.

How To Choose A Payment Solution?

As we said before, there are many solutions to collect online payments. This is why it is essential to ensure that your solution meets some critical criteria.

Payment methods accepted
In fact, the easier you make it for customers to buy, the more likely they are. By enabling your site with a payment gateway that integrates a wide variety of payment methods, you expand your sales potential.

The cost
It may sound obvious, but not all online payment solutions have the exact cost. Indeed, some work with a fee for each transaction, others with a monthly subscription and fees for each transaction, etc.
Make sure that the price of your solution is attractive to you.

(Automatic) tax management
Taxes are a real headache for many, primarily if you sell internationally. Although most online payment platforms today intelligently manage taxes based on the country declared by your visitor, ensure that your solution can do this.

Compatibility with your site
Of course, it's essential to consider how your solution will fit into your current website, both technically and visually.

For example, if integrating the solution is not easy with your website, you might want to rethink your choice!

How To Integrate A Payment Solution To Your Website?

We saw previously that the ease of integrating a payment solution is essential when it comes to choosing your answer.

Unfortunately, there is no general explanation for this question of integration. Each solution fits indifferently. However, if you use a known CMS for your website, some integrations can be straightforward and fast.

For example, to integrate a payment solution with WordPress, you can use the many dedicated plug-ins. Then, with a few clicks, your Stripe account or other payment solution is connected, and you are ready to receive payments.

However, if you use a website without a CMS, integrating a payment platform can be more complex: potentially via iframe or directly via API, for example. In this case, ask your developer to get their hands dirty.