Developer-first payments infrastructure for internet businesses.
2.9% + $0.30
online rate
$0
monthly fee
2-day
payout
Developers
SaaS
Marketplaces
E-commerce Payment Processors
Accept online card payments with checkout, APIs, and fraud tools.
The right e-commerce processor balances transparent per-transaction pricing with the checkout experience, payment methods, and fraud tooling your store needs. Compare online card rates, supported wallets, and platform integrations below.
37 processors
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Rated 4.5 out of 5 from 4 reviews.
India's developer-friendly payments and business banking suite.
2%
online rate
â‚ą0
monthly fee
T+2
payout
India
Developers
UPI
Enterprise-grade global payments on a single platform.
Interchange + 0.60% + $0.13
online rate
$0
monthly fee
T+2
payout
Enterprise
Global
Omnichannel
Transparent interchange-plus pricing with automatic volume discounts.
Interchange + 0.50% + $0.25
online rate
$0
monthly fee
Next day
payout
Growing SMBs
Transparent pricing
Omnichannel
A PayPal company offering developer-friendly online payments.
2.89% + $0.29
online rate
$0
monthly fee
2-day
payout
Developers
SaaS
PayPal users
The widely recognised wallet and checkout button merchants trust.
2.99% + $0.49
online rate
$0
monthly fee
Instant
payout
Small business
Cross-border
Quick setup
Emerging-market payments across more than 50 markets and local methods.
2% to 3% (by market)
online rate
Varies
monthly fee
Varies
payout
Emerging markets
Cross-border
High-risk
A long-established payment gateway for online and MOTO payments.
2.9% + $0.30
online rate
$25
monthly fee
Varies
payout
Traditional businesses
MOTO
Virtual terminal
Publishes its exact interchange-plus markup by industry rather than quoting it, and prices nonprofits lower still.
IC + 0.20% + $0.11
online rate
$20, $15 nonprofit
monthly fee
Varies
payout
Nonprofits
Small Business
Retail Storefronts
+1
Stripe-owned African payment platform serving 200,000+ businesses in Nigeria, Ghana, Kenya, South Africa and Cote d'Ivoire.
1.5% + NGN 100, capped
online rate
None
monthly fee
Next day
payout
African ecommerce
Mobile money acceptance
Developer integrations
+1
Merchant of record for software companies: one 5% + $0.50 fee covers payments, global sales tax, billing, fraud and chargeback liability.
5% + $0.50
online rate
None
monthly fee
Varies
payout
SaaS
Consumer software
Game developers
+1
European payment service provider with published per-transaction pricing, deep local method coverage and no monthly fee for online payments.
1.8% + EUR 0.25
online rate
EUR 0 online
monthly fee
Varies
payout
European ecommerce
Small business
Marketplaces
+1Ecommerce Payment Processing Buyers Guide
Updated August 2026
For online stores the processor is part of the checkout experience, not just a back-office cost. This guide covers the APIs, fraud tools, and conversion features that separate ecommerce-first providers from general processors.
Key takeaways
- Checkout UX and hosted-page quality directly affect conversion.
- Built-in fraud tooling reduces chargebacks without blocking good customers.
- Native platform integrations (Shopify, WooCommerce) cut integration time.
What is ecommerce payment processing?
Ecommerce payment processing handles card and wallet payments made on your website or app. Beyond moving the money, an ecommerce processor provides the checkout components (hosted pages, embeddable fields, or full APIs) plus the fraud and tokenization tools online sales depend on.
What are the benefits for an online store?
- Optimized checkout that reduces cart abandonment.
- Support for wallets like Apple Pay and Google Pay out of the box.
- Tokenized card storage for subscriptions and one-click reorders.
- Fraud scoring that adapts to your order patterns.
What to consider before buying
Weigh the integration effort against your platform: a native Shopify or WooCommerce plugin can save weeks versus a raw API. Confirm the fraud tools, chargeback handling, and whether recurring billing is supported natively if you sell subscriptions.
Trends in online checkout
One-click and wallet-based checkout are now table stakes, and network tokenization is improving authorization rates on repeat customers. Expect processors to keep bundling fraud, tax, and subscription features that used to require separate vendors.
Frequently asked questions
- What do ecommerce payment processing companies charge for online sales?
- Online transactions typically run 2.6% to 3.5% depending on the provider, with some offering lower rates for higher monthly volume.
- What's the difference between digital payment processing companies and in-person processors?
- Digital-first processors focus on checkout APIs, hosted pages, and fraud tools for online sales, while in-person processors are built around card readers and POS hardware.
- Which ecommerce payment processing companies integrate with Shopify?
- Several processors on this list offer native Shopify integrations; filter by the Shopify integration tag to see them side by side.