The Best Payment Gateways That Accept Credit Card Payments For Your Online Store


A payment gateway is a service provided by a third party that allows you to accept payments online from customers. One of the most popular methods of online payment is through the use of credit cards. Most customers prefer to buy through their credit cards, as they can spend money now and pay it back later.

Your online store must accept credit card payments, as it is one of the top payment methods preferred by customers. If you were looking for a payment gateway for your online store, then make sure it allows credit card payments. In this article, we list out the top payment gateways that allow customers to buy using their credit cards.

Credit cards are one of the most popular payment methods online

Gateways That Accept Credit Card Payments

While setting up a payment gateway for your online store, you must make sure you include all the popular payment options. Payment through credit card is essential for any online store. If you own an online store and want to allow credit card payments, then you need to keep the following in mind:

  • When you set up a payment gateway for your online store, you will be charged a fee from the gateway service provider. This fee may include one or more of the following – initial setup fees, monthly charges, and charges for each transaction carried out.
  • Most providers charge you 2.9% of the transaction amount as a fee, along with 30c per transaction.
  • Some providers reduce the fee as your number of transactions or sales increases.
  • Providers offer various pricing plans that have a monthly fee to be paid. Such plans would charge lower transaction fees.
  • It is important that you compare the fees and services charged by different gateways before signing up with one.
  • Before making a decision, you must consider how many transactions take place every month, as it will help you decide if the plan offered is feasible.

Given below are three different payment gateways that accept credit card payments.

Shopify Payments

Shopify allows multiple payment options, including credit cards

Shopify Payments is a payment gateway offered by Shopify’s online store. If you have an online store that you have set up through Shopify, then you will find the Shopify payment gateway available by default.

The gateway is powered by Stripe and is the best way to accept credit card payments for your Shopify store. Do note that this option can be used only for a Shopify store. It does not redirect you to another website while making the payment.

There is no monthly fee payable for using this service. The standard fee of 2.9% transaction fee, plus 30c is the only fee to be paid. This service is the best option for anyone having a Shopify online store, or for those starting a new one.


Stripe is one of the popular payment gateways used by online stores. This gateway allows payment through credit cards. It has a simple per-transaction fee of 2.9% plus 30c extra. There are no other fees to be paid to use this gateway.

It is a secure gateway and has a number of attractive features. Stripe is easy to set up and use in your online store. If you deal with a large number of transactions, Stripe also can offer you discounts. There are country-specific rates, so you can contact them to know which plan suits you best.  


Stripe’s popular payment gateway accepts payment by credit card.


The leader in payment gateways with a market share of almost 60%, PayPal is a market leader that allows credit card payment on its gateway. It has two options for customers, Paypal Standard and Paypal Pro. 

PayPal Standard

In this option, there are no monthly fees to be paid, and all types of payments are accepted. Also, a standard fee of 2.9% per transaction plus 30c is applicable. On clicking the PayPal button, the customer is directed to PayPal’s website to complete the payment checkout. This option is ideal for small businesses and start-ups.

PayPal Pro

It has all the features that the standard option offers. However, there is a monthly fee of $30 to be paid. Control overpayments will remain with the merchants, and the customer will remain on your online store during payment and not get redirected. It offers a virtual payment option to accept credit card payments through email and phone.

PayPal is the leading payment gateway that accepts credit card payments


Leave A Reply