Top 33 Online Payment Processing Services

With lot of businesses thriving on internet, there has been a question of sending and receiving money online. There is a great chance of being conned on internet and lot other problems associated such as sending money fast and securely. This problem has been solved by many online payment processing sites which provide great options as well as provide security and reliability to their customers.

Note: This article lists online payment solutions. You can check our list of Global money transfer services if you’re looking to send money to your relatives.

Following are some of the best online payment processing and merchant account services.

1. PayPal

Paypal – an eBay subsidiary is a great way to send and receive money online as well as online shopping and very popular among buyers and sellers due to level of safety and trust they has to offer. It has been leading in online payment since inception. Paypal provides a secure path for your online transactions without letting your sensitive credit details to any third party. Creating an account in Paypal is FREE and there is no charge for sending and receiving money online for personal transactions. There is however a charge of for receiving business related payments and it varies depending on type of account you have. It offer personal account with certain limitations, premier and business accounts. Also Paypal comes with protection features for its buyers and hence provide a hassle free online transaction experience. Buyers can make payment to sellers without sharing critical financial information like credit card or bank account.

2. Google Wallet

Google wallet is offering payment processing services since june 2006, earlier it was known as Google checkout but transitioned into Google wallet lately. Although it is not accepting international merchants but buyers from many countries can open account to make payments. It provides fraud protection service with every transaction. The rates depend on average monthly transaction which starts from 2.9%+$0.30 can go as low as 1.9%+0.30 for merchants with monthly sales volume of $1,00,000+

3. Payza

Earlier known as Alertpay, Payza is a great place to send and receive money online. The company is acquired by UK-based “MH Pillars Ltd” One can send money to more than 190 countries worldwide and receive money instantly. It works similar to PayPal. Payza is a FREE to use service and one can use the Payza ewallet to shop and pay bills online. Users have options to open personal starter, personal pro and business accounts.

4. Moneybookers

Earlier known as Moneybookers and now Skrill is a great place to send and receive payments. You can receive payment in various currencies. It comes with various features such as safe and secure payment as well as instant withdraw facilities. Skrill comes with the digital wallet feature which one can use for online shopping as well. Skrill is absolutely FREE for online transactions.

5. Amazon Payments

Amazon webpay or payments launched in 2007 and provides easy and fast online transaction services. Just enter the registered email address or mobile number of the recipient and enter the amount and you are all set to send money to the person. Amazon payments is accepted at some of the most famous ecommerce sites and services. Amazon payment is FREE to use.

6. is in business since 1996. It is a part of CyberSource Corporation which is a Subsidiary company of VISA. provide easy to integrate payment gateways. The service is only available through its resellers and Independent Sales Organizations. It claims to have more than 300000 users.

7. CCBill

Online since 1998 with main office in Tempe, AZ. According to their website, they process more than a billion dollar transactions every year. Merchant can process credit cards, debit cards, eChecks, Europian debit cards/direct pay and telephone payments. It also offers subscription billing services. It has received many awards for excellence in offering state-of-the art billing services.

8. 2CheckOut

Offer hosted payment solution and online since 2000. They also offer fraud protection, PCI Compliance and affiliate marketing tools. 2Checkout, also known as 2CO is often criticised for their high fee rates and payment reserve policy. They charge $5.5%++0.45 per transaction which is so high compared to many competitors. They also hold 10% amount for certain period and require $49 one time sign up fees. Each 2CO account can be used only for one website. Each additional account require a $30 one time opening fee.

9. WorldPay

WorldPay is probably first internet company to offer payment processing services online. Launched in 1994 and then acquired by leading swiss bank (RBS) and then renamed as RBS WorldPay. In August 2010, it again acquired by another company and named as WorldPay.

10. Intuit Payment

Intuit requires a monthly fee to create and maintain account and accept credit cards online. They also offer a FREE card reader with options like USB and mobile. Although they seem to offer only limited no. of eCommerce stores like Godaddy,, Ultracart and their own company Homestead.

11. SagePay

Sagepay offers competitive pricing. They charge £25 per month for up to 1000 transactions, for more transactions, they charge 10p per transaction rate. There are no other fees. Payment options includes PayPal, leading credit and debit cards.

12. Neteller

Neteller provides great online shopping and money transfer option across the globe. It is a great way to accept online payments and send money too. It comes with great online shopping features such as FREE prepaid cards which allow you to send money faster and secure. Also with the net plus prepaid card, one can shop in any site where mastercard is accepted. Netteller is FREE to use.

13. CCAvenue

An Indian company and only accepting merchants from India. Users can open accounts in local currency or USD. In business since 2001. It accepts local bank transfers, local credit cards, debit cards and international credit cards processing.

14. Adyen

Adyen is a Netherlands-based company and offers online payment solutions since 2006. Adyen offers various tools like single click checkout, A/B testing of payment pages, Single click checkouts, API, Subscription payments, mobile payments and with over 100 payment methods.

15. Paxum

A canadian company offering e-Wallet account similar to PayPal. They also offer pre-paid debit card to all users for one time fee. Paxum is offered in almost every countries. It offeres two types of accounts. Personal account holder can only transfer money to another account, Business account holder can accept payments directly to website.

16. ClickandBuy

Cologne, Germany based company and online since 1999, Lately they established business in London and currently their headquarter is in London. The website claims that around 16,000 registered online shops are using them including clients like iTunes, T-Online, Napster, MSN among many other. They already have integration modules ready to download for many leading shopping carts and offers merchant API. They are infamous for their high fees and high cancelled transaction fees.

17. Stripe

A California based company offering single payment and recurring payment solutions mostly for developers. It charges 2.9% + $0.30. It currently offers users from US only with valid US address and SSN and process major credit cards from all across globe.

18. FirstData

Offers online and offline payment solutions, telephone payments, and mobile commerce solutions. Their e-Commerce solution offers safer transactions experience and variety of payment options.

19. WePay

Wepay founded in 2008 and only accepts merchants from US. They offer tools like online invoices, WePay pages (for those who has no website but want to accept payment or donations) and payment buttons. Offers competitive fees 2.9%+$0.30 for credit card payments and 1% + $0.30 for bank payments.

20. AliPay

Alipay is payment solution from Alibaba group who is leading b2b online marketplace. Although Alipay users can accept payment in CNY (chinese Yuan), alibaba has offers more than 65 different payment options (majority of them are chinese) including VISA and Mastercard. Their website claims that as of today Alipay is used by 5,00,000+ chinese and international merchants and facilitates around 8.5 million transactions every day.

21. CyberSource

Offers fast and reliable payment processing for multiple currencies (upto 150 currencies supported). Offers leading credit cards from Visa, MasterCard, American Express, Diners, JCB as well as many regional cards and eCheck. Cybersource can be integrated with variety of options such as Hosted Order Page, Order API, Virtual Terminal etc. They also offer Fraud Management and Payment Security features.

22. Chargify

In business since 2009, offers billing and subscription payment solutions. It is currently being used by 900+ customers. They offer some smart tools like customer engagement and coupons. They claim to have some big clients like Get Satisfaction and Scribd.

23. eWay

eWay has ready to go payment modules available for 180+ shopping carts. Currently offered in Australia, New Zealand and UK. It is leading payment gateway solution in Australia. Offers 3 different plan depending on transaction volume and offers best pricing for payment processing online.

24. Bean Stream

Can offer payment processing for USD and CAD. Accepts all major credit cards including chinese union pay and many private label cards. Many leading shopping cards offers payment modules to integrate beanstream with their shopping cart. They also offer tools like Quickstart form (which they call better than traditional buy now payment buttons) and Beanstream carts with can offer customized design and domain option.

25. CCNow

A digital river company offers payment processing with International Currency Support and Risk and Fraud Management service. Accepts all major cards. They require $9.95 sign up with plus 4.49%+$0.50 per transaction. Many leading shopping carts already offer CCNow payment modules.

26. NetBilling

Offers payment processing with competitive rates (1.5%+15 cents) and allow accepting major credit cards, eChecks and toll free phone payments. All leading shopping carts offers payment integration modules for netbilling. They also offer third party affiliate tracking software integration. They claims that more than 25000 business are using their services.

27. PaySimple

Offers payment processing for all major credit cards and ACH eCheck processing. Payment methods includes online payment, by Mail and phone payments and mobile payments. It also offers tools like Click-to-Pay Email Invoicing and recurring billing solutions. Company is in business since 2005.

28. BrainTreePayments

BraintreePayments is in business since 2007 and currently a payment processor for some leading online brands including AirBnB, Angrybirds, OpenTable, 37 Signal and They offer merchant account with recurring billing and credit card payment processing services. Currently accept merchants and busineses from US, Canada and EU. Payment can be accepted in more than 130 currencies.

29. Payment Express

Part of DPS (Direct Payment Solutions), an Auckland based company and in business since 1997. Website claims that more than 15000 merchants are using PaymentExpress. Payment can be accepted by DPS hosted or Merchant’s website hosted payment pages. Their pricing structure is a bit complicated and depends on monthly sales volume. Many leading carts like Magento and Opencart offers integration module already.

30. PayPoint

Paypoint don’t charge per transaction fees. They have two plans where they charge monthly fees and offer 350 to 500 free transactions and 10p for subsequent transaction. The company only accepts businesses incorporated in UK and EU. As of now, all leading carts offers paypoint module to integrate with their cart.

Note: The below three are more than just payment processing services. They accepts major payment options but only allow digital products selling and don’t accept physical products.

31. ClickBank

Clickbank is not a payment processor but it is a digital products retailer that allow selling digital goods like eBooks, courses and software and accept payments for them with affiliate program. Payments can be accepted by major credit cards and PayPal. Clickbank although require that all their users offer 60 days moneyback guarantee. Offers subscription payment solution as well.

32. FastSpring

Mostly used by software companies, Fastspring is much similar to Clickbank. Allow selling SaaS, desktop software, games, e-books or various digital products online. They process payments for them with multi-currency & translated payment page. Offers Recurring billing, cross selling, mobile friendly payment pages, split testing, and ad tracking tools. Similar to Clickbank, no physical products accepted here.

33. Plimus

Plimus allows selling digital products AND service with built-in affiliate program. Offer many payment options like credit and debit cards, ACH, Wire transfer, bank transfer etc. Pricing vary depending on transaction amount and range from 15% to 8%. It is used for selling Software, SaaS & Services, Games, Videos and Music.

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