Businesses are increasingly tapping into global markets, making reliable international payment gateways crucial. With the global e-commerce market projected to reach $16.62 trillion by 2028 , businesses are looking for reliable and secure payment gateways to facilitate international transactions.
In fact, a recent study found that 39% of online shoppers prefer to use digital payments.
As a business owner, choosing the right payment gateway can make all the difference in providing a seamless customer experience and expanding your global reach
To help you make an informed decision, we've compiled a list of the 12 best payment gateways for international transactions in 2025, highlighting their features, benefits, and fees.
Why Do You Need a Payment Gateway?
Accepting online payments is crucial for businesses of all sizes. A payment gateway acts as a secure bridge between your website and your customer's bank, ensuring smooth and safe transactions. Without a reliable payment gateway, you risk losing potential sales and customer trust.
Payment gateways handle sensitive financial information, protect against fraud, and provide a seamless checkout experience for your customers. They also enable you to accept various payment methods, including credit cards, debit cards, and digital wallets, serving a wide range of customer preferences. Investing in a robust payment gateway is essential for any business looking to flourish in the competitive transaction perspective.
Top Rated Payment Gateways for International Transactions in 2025
| Payment Gateway | Key Features | Pricing | Ideal For |
|---|---|---|---|
| Stripe | 135+ currencies, fraud protection, mobile SDKs | 2.9% + 30¢ per transaction | Startups and enterprises needing customization |
| PayPal | 200+ countries, buyer & seller protection | 4.4% + fixed fee per transaction | Businesses of all sizes wanting a trusted name |
| Authorize.net | Advanced fraud detection, invoicing, recurring billing | 2.9% + 30¢ per transaction + $25/month | Merchants with a Visa merchant account |
| 2Checkout | 87 currencies, 15 languages, built-in tax tools | 3.5% + 35¢ per transaction | Merchants selling digital goods globally |
| Braintree | 130+ currencies, data encryption, global payouts | 2.9% + 30¢ per transaction | Businesses needing a PayPal alternative |
| Adyen | 150+ currencies, risk management, unified commerce | Pricing varies by region and payment method | High-volume global enterprises |
| Skrill | 40+ currencies, instant onboarding, low fees | 1.9% + 29¢ per transaction | Merchants wanting a digital wallet option |
| Amazon Pay | 170+ countries, A-to-z guarantee, recurring payments | 2.9% + 30¢ per transaction | Businesses leveraging Amazon's trust |
| WorldPay | 120+ currencies, 300+ payment methods, 24/7 support | 2.75% + 10¢ per transaction | Merchants processing high volumes globally |
| Payoneer | 150+ countries, mass payouts, multi-currency accounts | 3% per transaction | Businesses with cross-border payouts |
| Alipay | 110+ countries, 1 billion+ users in China | 2.9% + 30¢ per transaction | Merchants targeting Chinese consumers |
| Klarna | 17 countries, instant approval, pay later options | 2.49% + 30¢ per transaction | Retailers offering flexible payment plans |
1. Stripe
Stripe is an online transactions platform for businesses of all sizes. With its smooth interface and healthy features, Stripe allows companies to accept payments in over 135 currencies across 44 countries. It offers seamless integration options, advanced security measures, and customizable checkout experiences.
Stripe's competitive pricing structure, including a simple 2.9% + 30¢ fee for online transactions, makes it an attractive choice for many businesses. Beyond payment processing, Stripe provides additional tools like invoicing, subscription management, and fraud prevention. Its developer-friendly approach, extensive documentation, and support for various programming languages make it a favourite among tech-savvy entrepreneurs.
Stripe Pros:
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2. PayPal
PayPal is a widely used online payment system that transforms digital transactions. Founded in 1998, it allows individuals and businesses to send and receive money securely across the globe. With PayPal, users can link their bank accounts, credit cards, or debit cards to make payments without sharing financial information with sellers.
PayPal offers buyer protection, easy refunds, and supports transactions in multiple currencies. For businesses, PayPal provides payment gateway services, invoicing tools, and the ability to accept various payment methods. While convenient, users should be aware of transaction fees, especially for international transfers. PayPal's user-friendly interface and mobile app make it accessible for both personal and commercial use, cementing its position as a leader in digital payment solutions.
PayPal Pros:
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3. Authorize.net
Authorize.net is a great payment gateway that allows businesses to accept various payment methods securely. As a subsidiary of Visa, it offers both standalone gateway services and all-in-one payment processing solutions. Authorize.net supports credit cards, debit cards, e-checks, and digital payment options like Apple Pay and PayPal. Its features include fraud protection, recurring billing, invoicing, and customer information management.
The gateway integrates seamlessly with numerous e-commerce platforms and point-of-sale systems, making it suitable for both online and brick-and-mortar businesses. Authorize.net's pricing structure includes monthly fees and per-transaction costs, it provides a robust set of tools to streamline payment processing and enhance the customer experience. For businesses seeking a reliable payment solution, Authorize.net offers a comprehensive package backed by industry expertise.
Authorize.net Pros:
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4. 2Checkout
2Checkout, now part of Verifone, is a best online payment processing platform that authorized businesses to accept payments globally. With support for over 200 countries, 45+ payment methods, and 100+ currencies, it offers a truly international solution. 2Checkout provides flexible options, including hosted and inline checkout experiences, along with extensive integrations with popular e-commerce platforms.
The service caters to various business models, offering plans for one-time sales (2Sell), subscription-based businesses (2Subscribe), and comprehensive monetization solutions (2Monetize). Features like fraud protection, subscription management, and global tax compliance make it a robust choice for businesses of all sizes. Its pricing structure is tiered based on transaction volume, 2Checkout's global reach and diverse feature set make it a compelling option for businesses looking to expand their online presence.
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5. Braintree
Braintree offers a comprehensive solution for businesses looking to process international transactions. As a PayPal service, it combines innovation with extensive experience in the fintech industry. Braintree supports over 130 currencies and provides a seamless integration for accepting credit cards, debit cards, digital wallets like Apple Pay and Google Pay, and PayPal payments.
Braintree advanced features include fraud protection, data encryption, and recurring billing options. Braintree is known for its developer-friendly approach, offering easy-to-use SDKs and APIs. With its global reach and robust security measures, Braintree is an excellent choice for businesses of all sizes, from startups to large enterprises, seeking a reliable and flexible payment gateway for their international transactions.
Braintree Pros:
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6. Adyen
Adyen is a one-stop solution that allows businesses to accept payments online, in-app, and in-store across 135+ currencies. Adyen's unified commerce platform seamlessly connects offline and online payments, providing valuable customer insights and a smooth shopping experience.
With advanced fraud protection, customizable checkout options, and support for various payment methods including credit cards, digital wallets, and local payment options, Adyen caters to businesses of all sizes. Its global reach, coupled with features like recurring payments and real-time reporting, makes it an attractive choice for companies looking to expand internationally. Whether you're a small startup or a large enterprise, Adyen offers the tools and flexibility to streamline your payment processes and drive growth.
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7. Skrill
Skrill is a secure online payment gateway that offers businesses a comprehensive solution for international transactions. With support for over 40 currencies and 100+ local payment methods, Skrill enables merchants to expand their global reach effortlessly. The platform provides a seamless integration process, allowing businesses to start accepting payments quickly through a single API.
Skrill's features include a digital wallet, instant bank transfers, and even cryptocurrency options. With competitive transaction fees and robust fraud protection measures, Skrill ensures both merchants and customers can transact with confidence. The platform's easy to use interface, coupled with its multi-currency account management and detailed reporting tools, makes it an attractive choice for businesses of all sizes looking to streamline their international payment processes.
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8. Amazon Pay
Amazon Pay is a convenient and secure digital payment solution that allows customers to use their Amazon accounts to make purchases on thousands of websites and apps. With Amazon Pay, users can breeze through checkout using the payment and shipping information already stored in their Amazon accounts, eliminating the need to enter details repeatedly.
This service offers benefits like fraud protection, A-to-z Guarantee for eligible purchases, and seamless integration across devices. For businesses, Amazon Pay can potentially increase conversion rates and provide access to millions of Amazon customers. The platform supports multiple currencies and payment methods, including credit cards, debit cards, and bank accounts.
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9. WorldPay
WorldPay is a leading global payment gateway that offers a comprehensive suite of solutions for businesses of all sizes. With the ability to process transactions in over 146 countries and 135 currencies, WorldPay stands out as a versatile choice for international merchants. The platform supports various payment methods, including credit cards, debit cards, and digital wallets, ensuring a seamless checkout experience for customers worldwide.
WorldPay's robust security features, including advanced fraud detection and data encryption, provide peace of mind for both merchants and shoppers. With its user-friendly interface, flexible pricing options, and 24/7 customer support, WorldPay caters to diverse business needs, from small e-commerce stores to large enterprises. Whether you're expanding globally or optimizing local payments, WorldPay offers the tools and expertise to streamline your payment processes.
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10. Payoneer
Payoneer is a flexible online payment platform that licenses businesses and freelancers to send and receive international payments with ease. With support for 150+ countries and 70+ currencies, Payoneer offers a range of services including local bank accounts in multiple currencies, a global payment service, and a prepaid Mastercard. It's particularly popular among e-commerce sellers, freelancers, and digital marketplaces.
Payoneer stands out for its competitive fees, fast transactions, and user-friendly interface. The platform also provides features like mass payouts, billing services, and working capital, making it a comprehensive solution for global financial transactions. Payoneer offers the tools to simplify cross-border payments and manage your global finances efficiently.
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11. Alipay
Alipay, a leading digital payment platform, has transformed the way people in China and beyond handle financial transactions. Launched in 2004 by Alibaba Group, Alipay has grown into a comprehensive financial ecosystem that goes far beyond simple payments. With over 1 billion users, it offers a wide range of services including mobile payments, online shopping, bill payments, and even wealth management.
Alipay's easy-to-set and innovative features, such as QR code payments, have made it an integral part of daily life in China. The platform's recent expansion to support international credit cards has made it more accessible to foreign visitors, further cementing its position as a global fintech leader. Alipay's robust security measures and continuous innovation make it a trusted and convenient choice for millions of users worldwide.
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12. Klarna
Klarna is a skilled payment gateway that's change’s the way customers shop online. Offering a range of flexible payment options, Klarna allows shoppers to pay now, pay later, or split their purchases into installments. This Swedish fintech giant operates in over 17 countries, making it an excellent choice for businesses with an international customer base.
Klarna easy to use interface and seamless integration with popular e-commerce platforms make it attractive for both merchants and consumers. With features like fraud protection, instant credit decisions, and a robust mobile app, Klarna enhances the shopping experience while helping businesses boost sales and customer loyalty.
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How to Choose the Best Payment Gateway for International Transactions?
Choosing the best payment gateway for international transactions involves considering several key factors:
Your International Payment Gateway Questions Answered
How do Payment Gateways handle Currency Conversion?
Most gateways automatically convert currencies using real-time exchange rates, simplifying international transactions for both businesses and customers.
What are the Main types of Payment Gateways Available for Businesses?
The main types include hosted gateways, self-hosted gateways, API-hosted gateways, and local bank integration, each with its own advantages and integration requirements.
Can I use multiple Payment Gateways for my Business?
Absolutely, using multiple gateways can offer flexibility, cater to customer preferences, and provide backup options in case of service disruptions.
What's the Difference Between a Payment Gateway and a Payment Processor?
A payment gateway securely transfers data, while a processor actually handles the transaction between banks.
What Security Features do Payment Gateways Employ to Protect Sensitive Data?
Payment gateways use encryption, tokenization, and secure communication protocols like SSL/TLS to safeguard sensitive payment information during transmission and storage.
Recommended Readings:
Closing Insights on Cross-Border Payments
In today's interconnected world, businesses can no longer afford to limit themselves to domestic markets. With the right payment gateway, you can unlock a world of opportunities and reach customers across the globe.
Our list of the 12 best payment gateways for international transactions in 2025 is designed to help you make an informed decision and take your business to the next level.
But here's the thing – there's no one-size-fits-all solution. It's all about finding the perfect match for your unique business needs and target markets. So, thoroughly evaluate these payment gateways, check the pros and cons, and don't be afraid to mix and match.
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