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Which Online Payment Gateway is Right for You?

Collecting payments with online forms is easy, but first, you have to choose the right payment gateway. Browse the providers in our gateway credit card processing comparison chart to find the best option for your business. Then sign up for Formstack, customize your payment forms, and start collecting profits in minutes.

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Online Payment Gateway Comparison

NOTE: These amounts reflect the monthly subscription for the payment provider.
Formstack does not charge a fee to integrate with any of our payment partners.

 

  • Features
  • Monthly Fees
  • Transaction Fees
  • Countries
  • Currencies
  • Card Types
  • Limits
  • Form Payments
  • Recurring Billing
  • Mobile Payments
  • PSD2 Compliant

ProPay

  •  
  • Authorize.Net
  • $25 Monthly Fees Setup fee $49
  • $2.9% + 30¢ Transaction Fees 30¢ per transaction
  • 5 Countries USA, Canada, United Kingdom, Europe, Australia
  • 11 Currencies USD, CAD, CHF, DKK, EUR, GBP, NOK, PLN, SEK, AUD, NZD
  • 6 Card Types Visa, MasterCard, American Express, Discover, Diner's Club, JCB
  • None Limits
  • On-Form Payments
  • Recurring Billing
  • Mobile Payments
  • PSD2 Compliant
  •  
  • Bambora
  • $25 Monthly Fees Setup fee $49. May differ depending on partner providers.
  • $2.9% + 30¢ Transaction Fees 30¢ per transaction. May differ depending on partner providers.
  • 8 Countries USA, Australia, Canada, Denmark, Finland, New Zealand, Norway, Sweden
  • 2 Currencies USD, CAD
  • 13 Card Types Credit Cards: Visa, MasterCard, American Express, Discover, JCB | Debit Cards: Interac Online, Visa Debit, MasterCard Debit | Wallets: Apple Pay, Visa Checkout, MasterCard MasterPass | Direct Payments: EFT, ACH
  • None Limits
  • On-Form Payments
  • Recurring Billing
  • Mobile Payments
  • PSD2 Compliant
  •  
  • Chargify
  • $149+ Monthly Fees
  • N/A Transaction Fees
  • Based on payment gateway Countries Merchant (you), must be located in one of the countries where there's a payment gateway provider that's compatible with Chargify.
  • 23 Currencies USD, GBP, AUD, NZD, CAD, SGD, ZAR, EUR, DKK, SEK, NOK, HKD, MYR, JPY, CHF, INR, PLN, CZK, RUB, BRL, PHP, RON, MXN
  • Based on payment gateway Card Types
  • Based on payment gateway Limits
  • On-Form Payments
  • Recurring Billing
  •  Mobile Payments
  • PSD2 Compliant
  •  
  • First Data
  • Contact
    First Data Monthly Fees Fees are based on individual monthly volume. It would be necessary for the Merchant who needs services to call in to speak with an account executive for those rates.
  • Contact
    First Data Transaction Fees Transaction fees are based on the merchants individual volume and product type. It would be necessary for the Merchant who needs services to call in to speak with an account executive for those rates.
  • 50+ Countries Visit www.firstdata.com/global-selector.html to see a list.
  • 140 Currencies See: https://www.firstdata.com/en_us/products/merchants/ecommerce/international-currency-solutions.html
  • 5 Card Types MasterCard, Diners, Visa, American Express, Discover
  • None Limits
  • On-Form Payments
  • Recurring Billing
  • Mobile Payments
  • PSD2 Compliant
  •  
  • PayPal
  • $0 Monthly Fees
  • $2.9% + 30¢ Transaction Fees
  • 203 Countries See https://www.paypal.com/us/cgi-bin/webscr?cmd=_display-country-functionality-outside
  • 25 Currencies Canadian Dollars, Euros, British Pounds, U.S. Dollars, Japanese Yen, Australian Dollars, New Zealand Dollars, Swiss Francs, Hong Kong Dollars, Singapore Dollars, Swedish Kronor, Danish Kroner, Polish Zlotys, Norwegian Kroner, Hungarian Forints, Czech Koruny, Israeli Shekels, Mexican Pesos, Brazilian Real (only for Brazilian members), Malaysian Ringgits (only for Malaysian members), Philippine Pesos, New Taiwan Dollars, Thai Baht, TRY for Turkish Liras (only for Turkish members), Russian Ruble
  • 9 Card Types PayPal, Visa, American Express, MasterCard, PayPal Credit, Discover, JCB, Diner’s Club, EnRoute
  • $10,000 Limits This amount can vary depending on your currency.
  •  On-Form Payments
  • Recurring Billing
  • Mobile Payments
  • PSD2 Compliant
  •  
  • PayPal Pro
  • $25 Monthly Fees Setup fee $99
  • $2.9% + 30¢ Transaction Fees
  • 3 Countries USA, UK, Canada
  • 23 Currencies
  • 9 Card Types PayPal, Visa, American Express, MasterCard, PayPal Credit, Discover, JCB, Diner’s Club, EnRoute
  • None Limits
  • On-Form Payments
  • Recurring Billing
  • Mobile Payments
  • PSD2 Compliant
  •  
  • PayPal Payflow
  • $0-$25 Monthly Fees Dependant on plan
  • 10¢ Transaction Fees
  • 4 Countries USA, Canada, Australia, New Zealand
  • 25 Currencies
  • 5 Card Types PayPal Accounts, Visa, MasterCard, Discover, American Express
  • None Limits
  • On-Form Payments
  • Recurring Billing
  • Mobile Payments
  • PSD2 Compliant
  •  
  • Stripe
  • $0 Monthly Fees
  • $2.9% + 30¢ Transaction Fees
  • 25 Countries Australia, Canada, Denmark, Finland, France, Ireland, Japan, Norway, Singapore, Spain, Sweden, United Kingdom, United States, Austria, Belgium, Germany, Hong Kong, Italy, Luxembourg, Netherlands, Portugal, Switzerland, Brazil, Mexico, New Zealand
  • 135+ Currencies Depends on country
  • 6 Card Types Visa, MasterCard, American Express, JCB, Discover, Diners Club
  • None Limits
  • On-Form Payments
  • Recurring Billing
  • Mobile Payments
  • PSD2 Compliant
  •  
  • WePay
  • $0 Monthly Fees
  • $2.9% + 30¢ Transaction Fees
  • USA Countries
  • 1 Currencies USD
  • 4 Card Types Discover, MasterCard, Visa, American Express
  • None Limits
  •  On-Form Payments
  • Recurring Billing
  • Mobile Payments
  • PSD2 Compliant
  •  
  • ProPay
  • $4 Monthly Fees Setup fee $5
  • $2.6% + 30¢ Transaction Fees
  • USA Countries
  • 1 Currencies USD
  • 4 Card Types Discover, MasterCard, Visa, American Express
  • $500 per
    transaction Limits $3,000 monthly
  • On-Form Payments
  •  Recurring Billing
  • Mobile Payments
  • PSD2 Compliant

1 This comparative information is based on an average for these providers. Many of these payment processors have fluctuating pricing structures and fees according to volume.

2 This table also compares the capabilities of the Formstack integration and does not necessarily reflect the full capabilities of the payment processor.

Choosing An Online Payment Gateway: 4 Major Factors

When choosing a payment gateway, there are four major factors you need to consider: transaction fees, card types, on-form payments, and recurring billing. These factors will vary by processor, so make sure you choose one that meets your needs and budget.

Payment gateway fees

Transaction Fees

When processing a payment, some payment gateways keep a small part of the charge for letting you use their app. You'll either pay a flat processing fee per transaction, an established percentage from each purchase, or a combination of both charges.

Gateway credit card processing

Card Types

It's important to know what types of credit or debit cards (or other payment methods) are accepted by your chosen online payment gateway. Additionally, some processors require users to link their bank accounts rather than entering a card.

Best payment gateway for on-form payments

On-Form Payments

If you use a pre-built form integrated with a payment gateway to collect your funds, pay attention to this factor. Some gateways will collect the payment right on the form, while others will direct users to another page to complete the purchase.

Online payment gateway recurring billing

Recurring Billing

Recurring billing gives you the ability to set up a payment that reoccurs over a set period of time. Examples of companies that might need this feature include subscription-based companies or nonprofits who have repeat donors.

 

Are you looking for a user-friendly form solution to do the heavy lifting? Tim is here to say you've landed in the right place.

Payment Gateway Comparison: Know Your Fees

Different payment gateways have different cost structures, but you will encounter a few standard charges during your research. Read on to learn about the different charges you must account for.

Gateway credit card processing transaction fees

Transaction Fees

Some payment gateways keep a small part of the charge for letting you use their app. You will either pay a flat fee per each transaction, an established percentage from each purchase, or a combination of both charges.

Payment gateway monthly fees

Monthly Fees

Some payment gateways will charge a subscription fee to let you collect money with their app. This monthly charge might vary based on the volume of payments being processed or the number of bank accounts where the payments are going.

Payment gateway setup fees

Setup Fees

Setup fees include any costs that might be associated with setting up your payment gateway account. Unlike transaction fees and monthly fees, you will only need to pay this fee once.

Merchant Account vs. Payment Gateway

Merchant accounts and payment gateways both provide ways to collect money from your customers, but they do it in very different ways. It's important to know the difference between the two as you assess the ways to manage your company's funds.

Payment Gateways

For every credit card transaction online and in-store, a service must communicate with the customer's credit card company to check for sufficient funds. In-store, typically, a POS (point of sale) machine performs this action. For online transactions, a payment gateway verifies the funds.

Payment Gateways Graphic

Merchant Accounts

A merchant account is a lot like a bank account, but its purpose is to collect funds from credit card payments until they are transferred to a normal business bank account.

Merchant Accounts Graphic
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Authorize.Net

A leading provider of payment gateway services, Authorize.Net offers customers a reliable and secure processing system. This provider easily integrates with many online apps and offers phone, email, and live chat support.

* Integrates with Formstack

Visit Authorize.Net
Bambora

Bambora's payment gateway is compatible with 150 currencies in over 200 countries. Users can pay with several major credit or debit cards, and you can easily access your balance on Bambora's online account tool.

* Integrates with Formstack

Visit Bambora
Chargify

Specializing in Web 2.0 and SaaS companies, Chargify offers an easy solution for recurring or subscription-based billing. Their scalable pricing plans, starting at $65/month, will grow with your small business.

* Integrates with Formstack

Visit Chargify
First Data

First Data is committed to providing customers an integrated payment processing experience, making it easy to collect funds in-store, online and via mobile devices.

* Integrates with Formstack

Visit First Data
PayPal

Collect payments securely with one of the most popular payment gateways. With PayPal, you can set up single, multiple, or recurring payments. PayPal also gives users the ability to pay through their bank accounts, in addition to credit or debit cards.

* Integrates with Formstack

Visit PayPal
PayPal Pro

Use PayPal Website Payments Pro to collect recurring or subscription payments. PayPal Pro also gives you the ability to process payments on-form instead of redirecting to an external page.

* Integrates with Formstack

Visit PayPal Pro
PayPal Payflow

Need to keep costs low? PayPal Payflow's 10-cent transaction fee is great for retailers who process large volumes of transactions.

* Integrates with Formstack

Visit PayPal Payflow
Stripe

Advertised as the payment gateway for developers, Stripe markets open APIs and no hidden costs. The only fee you can expect with Stripe is their low transaction fee. Formstack's Stripe integration allows users to be PCI compliant. For more details, please visit our Support page.

* Integrates with Formstack

Visit Stripe
WePay

WePay allows you to collect secure payments, set up recurring and subscription billing, and easy create invoices. WePay is a great option for organizations that need to collect money from large groups of people.

* Integrates with Formstack

Visit WePay