Top 5 International Payment Gateways www.deekpay.com

Payment Gatewayis a financial product that enables businesses to collect payments via debit or credit cards. In today's day and age, where many customers shop online and don't carry cash in their wallets, finding an easy-to-use payment gateway is crucial for businesses to sell their products to consumers. And a good payment gateway provides an easy way to accept and process credit and debit card payments online.

The Payment Gateway offers the flexibility of online or in-store card payments. It allows credit card payments to be processed quickly and easily both online and offline. The Payment Gateway system can also be used with in-store point-of-sale (POS) processing.

In short, payment gateways provide a way to charge the card and subsequently charge the business owner or merchant for any fees, with rates typically ranging from 1.4% to 3.5%, and often no monthly fees either.

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PayPal

PayPal is the most recognised brand in the world of online payments and one of the most widely used online payment platforms. Founded in 1998, Cofinity allows users to make and receive payments from anywhere in the world.

PayPal provides payment processing services for e-commerce vendors, auction sites, and other commercial entities around the world, and allows users to accept credit cards including Amex and Visa. It also offers simple shopping cart integration, extensive customisation options, online invoicing, and the convenience of making credit card payments over the phone.

PayPal is usually associated with online marketplace eBay, but it's worth noting that it's no longer eBay's primary payment option as of 2020 (as the company moves to Adyen, though PayPal is still offered as an optional payment service). In a statement last year, eBay said the move was an attempt to offer more competitive pricing to customers.

PayPal's competitive pricing of 2.99% (+ fixed fees) per debit/credit card transaction processed, with no monthly fees, is ideal for start-ups and small businesses.

Stripe

Stripe is another powerful payment platform designed for internet businesses, and the company claims to process billions of dollars worth of transactions every year. The main difference between this service and many others is that it is not an out-of-the-box solution. Instead, users are provided with a range of flexible tools to customise their own payment processes.

Designed for large companies, it offers a number of APIs that allow users to create their own subscription services, on-demand marketplaces or crowdfunding platforms. It supports a wide range of development languages, including Ruby, Python, PHP and Java.

In addition, Stripe supports more than a hundred currencies and offers features such as mobile payments, subscription billing, and one-click checkout. Users also have access to a dashboard where they can visualise transactions. Clearly, this is a feature-rich payment gateway, although Stripe does require users to have more technical knowledge than most providers.

Stripe charges 2.9% (+30 cents) for US cards. It also has a custom plan with volume discounts for larger volume needs.

Payline

Payline is a Pineapple payments company headquartered in Chicago, Illinois. It provides solutions for businesses from startups to Fortune 500 companies, with a focus on the payments experience.

Payline offers gateway payment processing with web solutions designed to integrate with over 175 online shopping carts. The company also offers mobile solutions designed to accept payments through mobile applications. Payline's payment processing gateway also integrates with QuickBooks to facilitate payroll and general corporate financial management.

Payline offers pricing based on service. Card swipes are part of Payline Start and are subject to a monthly fee and a small additional fee per transaction, including American Express cards, which are subject to an additional fee per transaction.

Pricing for brick and mortar shops includes a $10 monthly fee and a $0.4% (+$0.10) per transaction fee. For online shops, the monthly fee and transaction fee is $20, which includes a fee of 0.75% ($0.20) per transaction.

Adyen

Companies such as Uber, Spotify, Microsoft and eBay use Adyen to handle business and customer transactions. The software allows users to accept every payment made to the company through a single platform and gives them the tools to manage risk and track results.

Adyen not only accepts more than 250 payment methods and 150 global currencies, but also allows users to analyse transaction data and benefit from "rich data insights into customer behaviour".

For example, users are able to identify buyer behaviours and patterns, thus enabling them to tailor products and services appropriately. There is also an in-built risk management tool that sifts through data to identify and combat cases of fraud.

Processing fees vary depending on the payment method, but the company uses interchange pricing with additional transaction fees. However, users need a merchant bank account to take advantage of interchange pricing.

Authorize.net

The main goal of these solutions is to simplify the payment process, and Authorize.net (from Visa) does just that. The platform was developed with companies of all sizes in mind and offers a wide selection of plans that provide users with the tools to sell goods and make payments online or in person at a shop.

With this solution, users can accept payments from the website and quickly transfer funds to the merchant's bank account. It supports all major credit cards, including Visa, MasterCard, American Express, Discover, Diner's Club and JCB. In addition, the platform is compatible with digital payment services such as Apple Pay, PayPal and Visa Checkout.

While all payment gateways offer some tools to support fraud detection/prevention, Authorize.net takes it to the next level. The Advanced Fraud Detection Suite (AFDS) gives users peace of mind by identifying, managing and preventing suspicious transactions.

Although the software can accept transactions made by customers from all over the world, the user's business must be registered in the United States, United Kingdom, Canada, Europe, or Australia if the user wishes to use the service.

Entry-level "All-in-One" accounts cost $25 per month, with no sign-up fee and a transaction fee of 2.9% (+30 cents).

Atpay - we are a professional provider of payment solutions and have been deeply involved for many years inIndia PaymentsWe have successfully provided payment functions for countless customers at home and abroad. We are fully confident in payment integration and high-risk payment processing, and welcome inquiries and exchanges.