Online payments are a central feature of online business. When transaction information is processed, it’s routed through payment gateways. These act as an interface between your online business and the provider. In simple terms, this means that any successful eCommerce site depends on a payment gateway that handles purchases with speed, security, and convenience. Plus, they must provide features that make them accessible to your clients.

According to Statista, in March 2017, preferred methods of online payment were e-payments, credit cards, and debit cards. Add in mobile purchases and the percentage climbs above 90%. Successful online businesses rely on the right tools to process these payments. Here are all the details you’ll need to know about how to choose the best payment gateway for Magento® 2 platform.

How to Choose Magento 2 Payment Gateway

To choose the best Magento 2 payment gateway for your site, consider four requirements: convenience, capability, security, and pricing. Keep your clients happy and their information safe, and you’ll have more conversions and a higher profit. Look up for our recommendations below.

Which Edition of Magento Store Do You Have?

Magento Commerce (previously known as Magento Enterprise) is a paid product which costs 22,000$ per year. Magento Open Source (previously called Magento Community) is a free platform. Magento Commerce requires a bit of an investment at the outset, but over time, it will give you more options and a greater ease of access.

The edition of your store is not only the one factor when choosing your store functionality including payment options. We will consider several points: which payment options are available for customers, security standards, your business type, etc. Let’s move on to the details.

How Customers Will Perform Payments on Your Site?

Specific payment options are offered by each payment gateway. Most customers will prefer credit card options. Other popular payment options include online wallets like PayPal and mobile payments. It is important to understand your customers’ preferences. This lets you equip your convenient and simple options. This ensures satisfied customers and prevents lost sales. Customers also want to be safe when entering payment details, so choose payment form options carefully.

There are several options to process the purchase and they differ by security level and steps to complete the purchase. These are payment form with details form your server or straight from the browser or redirect.

Payment Form (Details on Your Server)

The payment form makes it easy and fast for clients to enter their payment data. It is inputted on your site where it will then be routed to the processor. However, security can be challenging with this option. Compliance with PCI standards requires serious and costly security precautions. The payment form is only cost-effective for large companies.

Payment Form (Details Straight from the Browser)

A third alternative is a payment form which gathers data and sends it directly to the processor. The details never enter your site, and this lowers the security demands. However, you retain a measure of responsibility for your payment client details. It will be important to understand standards for PCI data security to ensure you are in conformance.


The redirect is the highest security option. A checkout form can be inserted into a secure iFrame on the website. Alternately, you can redirect clients to a purchasing page hosted by a secure purchaser. However, the form may not fit the formatting of the remainder of the website. This option is suitable for all companies, large or small. The processor is then entirely responsible for the security of your client’s information.

What Is The Contract Duration with Providers?

In considering providers, look into contract details. Some try to lock your customers in for two or more years after signing. Customers are often turned off by the need of a lengthy contract and wish to use them monthly instead. To keep your clients happy, familiarize yourself with contract options before including a provider on your platform.

Will You Offer PayPal?

Given the convenience and widespread use of PayPal, it’s a good idea to include it as a payment option on your site. Not every customer will be able to use it, but thankfully Magento allows you to offer two or several payment options. This means that you may want to use PayPal as a secondary payment option. It’s secure and widely trusted by consumers. An added benefit is that it can work as a backup if issues arise with merchant accounts or primary payment gateways.

Are You In ‘Hi-risk’ Business Category?

If the niche falls into a category of high-risk, then you may be limited in the choice of providers. Many prefer not to accommodate companies engaged in credit repair, diet programs, e-cigarettes, ebooks, debt collection, tobacco, travel, gambling, and adult content. If your business specializes in these niches, then you’ll need to find a payment provider willing to accommodate you.

Which Payment Methods Are Used by Your Target Audience?

Take into consideration your clients preferences, match this up with the online payment methods offered by your provider, and you’re good to go. It’s best to make sure that your providers have options to process debit card and credit cards. They will also need services for mobile payments and electronic transfer. Also, make sure to work with providers that are accessible to your clients’ countries.

How Many Payment Gateways Available for Magento?

Magento 2 payment gateway integration makes virtually all payment gateways accessible. Magento 2 users can make use of WorldPay, Paybox Direct, CyberSource, First Data, DIBS Payment Services,, Ogone, PSiGate, and eWay Direct, among others.

Popular Payment Gateways for Magento 2

When you use Magento 2, it comes equipped with three default options of payment gateways. These are Braintree, PayPal, and Gateway integration can be used to incorporate additional payment options. Here are reviews for the highest-rated gateways:

Paypal Payment Gateway Review

PayPal offers customized invoices and processes debit and credit cards. It is simple, quick, and safe, and authorization happens almost instantly. Plus, it offers currency conversion and is available in over 200 countries. However, PayPal can freeze an account without notice, and fees can be imposing for large sales volumes.

Magento Braintree Payment Gateway

Braintree is well designed and has no monthly fees, charging you only as per your use. It supports 3D secure and is accepted by 44 countries and using more than 130 currencies. It also offers optimized acceptance rates. The only real downside is that it doesn’t offer return fees for partial refunds.

You can configure PayPal and Braintree right from your admin panel. Just go to the Stores > Configuration > Sales Payment methods and then you will see all the available settings.

Paypal and Braintree Payments Configuration on Magento Admin Page.


Stripe works with debit card and credit card options. It also provides mobile payment and Bitcoin. The set-up is free and Stripe has no monthly or hidden fees. You can customize stripe with advanced reporting and unlimited plan options. However, it is not 3D secure, and you will be charged more if you customize gateway functionalities.

Google Checkout

One excellent payment gateway is Google Checkout. It offers fraud protection, simplicity, convenience, and extremely low fees. The fees begin as low as PayPal and become lower as sales increase over $3000 per month. However, clients must make their purchases through a Google account.

Amazon Payments

Amazon Payments are protected, simple, and quick, and they charge minimum transaction fees. An Amazon customer may use the data in their account to make purchases. It offers state of the art fraud detection and low transaction fees. Unfortunately, Amazon payments cannot be used outside the UK and the US. is an excellent solution, offering a free mobile app and 24/7 support. It accepts a wide variety of debit and credit cards and has fraud-fighting tools. It also securely stores client data so purchases are as easy as the click on a button. The downside is that it requires a fee of 25$ a month and the set-up of a merchant account.

Sage Pay

Sage Pay has the highest level of security and can accept all payment types, including PayPal. It also works with more than 25 currencies. It offers quick payments and a simple, easy to use interface. The downside is that it has a monthly charge, from $30-60 per month depending on the volume of sales.

Do You Need Custom Magento 2 Payment Gateway Integration?

PayPal, Braintree, and are offered with default Magento 2 integration. Custom payment gateway integration is needed for other providers. Compliance with PCI standards requires that no payment data is stored.

How to Add New Payment Method

With Magento 2, you can incorporate additional methods of payment with some additional steps. This requires the configuration of four elements: payment action, general payment method module options, payment method options, payment method facade. Methods of payment may be selected in the storefront or in the Admin, and they may be configured differently depending on the region. You can apply a method and behavior with keynotes.


The success of your online business depends on the selection of the best payment gateway for Magento. Consider the needs of your clients when choosing your provider. This will have a bearing on the features needed in your provider as well as on the currencies and countries it should support. Also think about the gateway capabilities, fees, and security. The smoother the purchase process is for your client, the higher conversions and higher profits for your company you can get. If you are looking to use various integrations or to customize store features and sections we are ready to help you with Custom Magento Development.
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