Top eCommerce Payment Gateways for Wordpress Stores (2022)

Top eCommerce Payment Gateways for Wordpress Stores (2022)

What is a payment gateway?

A brief introduction to what a payment gateway is, a third-party tool that evaluates and processes customer payments. So instead of a basic contact form that asks customers to fill out information before placing an order - which you then need to do manually at the terminal - the payment gateway will handle it on your behalf.

There are many benefits to using a payment gateway. Saving time is obviously one of them. There is also pCI compliance. Use payment processing tools for flexibility in accepting payment types.

Of course, as with any other third-party system you bring into your Wordpress site, there are a lot of things to consider. Here's what you need to consider:


For most third-party integrations, there is almost always an associated upfront cost. However, you need to double-check the rules of the payment processor because you need to pay for every transaction. Some also charge your customers for payment gateways - nothing screams unexpected fees.

Where to pay

Some payment gateways allow users to add payment gateways directly to the website through the API. This can be a good thing, as it prevents visitors from navigating through different websites to enter their payment information. However, some payment gateway providers are very famous and trustworthy (think paypal). If customers were more confident in submitting payment information through the website rather than their own, the disruption might be less important.

This is what you ultimately need to remember: what your customers will be happier with. Do they want a seamless process that happens entirely on your website, or do they prefer to pay through a reputable provider? You can use A/B testing to check which option will result in a higher conversion rate, or you can consult the client And ask them directly what they like.

Merchant Account

You may come across a lot of payment processors that require you to have a separate business account for deposits, which means you have to take another step to get your online payment system up and running. However, no matter how inconvenient it may seem right now, it's important to note that best payment gateway for ecommerce do not require a merchant account, are willing to deposit funds directly into your account, and are more likely to charge you higher processing fees.


Obviously, this doesn't put too much emphasis on it, because even if you're giving the other person a buying experience, security shouldn't stop. If not more, your payment gateway should be as secure as your own website. This means they need an SSL certificate, extra encryption, and must be pCI compliant.

Countries accepted

The first thing to do before signing a contract with any payment processor is to check your website analytics. This will tell you which countries your visitors are located in, so you can include country-compatible payment methods, currencies, and translations.


If you collect income through your website, you need an easy way to collect proper taxes. While there will be local taxes, you must also be aware of country-specific taxes, such as VAT (Value Added Tax) in the European Union. So if you know you're selling something out of state or country, your payment gateway should be able to calculate the tax for you.

Automatic Payments

For product sales, this may not be something you need to worry about. However, for those who provide recurring services or buy customers frequently, automatic payments are definitely worth considering. One way is to create options for recurring payments. You may also want to create an automatic payment method that saves payment information from previous transactions so customers don't have to re-enter it each time.

Plugin Compatibility

If your website is selling, then you can definitely use an e-commerce or shopping cart plugin. Not every payment gateway will work with the plugin of your choice, so please confirm compatibility before signing up.


Of course, you must also consider the design of the payment gateway. Does it allow for brand personalization to match your website? Is it mobile responsive? Is it intuitive in layout, steps or number of pages? Again, this is still part of your customer experience and you don’t want bad design to ruin it.

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Which kinds of electronic payment methods are necessary for e-commerce?

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