Best Woocommerce Payment Gateways

WooCommerce is an open-source ecommerce platform built for online merchants. It is a customizable plugin that integrates with WordPress and helps merchants set up an online storefront quickly and to their taste. It offers countless extensions to help meet almost any online store need — including payment gateways.

Top WooCommerce Payment Gateways

WooCommerce offers a multitude of payment gateway options to help merchants collect their money from many different virtual channels; boasting over 100 different options. This includes the big-name payment gateway providers, as well as some lesser-known competitors. Each is easily integrated with WordPress extensions.

Choosing the Right Payment Gateway

A few important things should be considered before choosing the right payment gateway for your online store — “Eeny, meeny, miny, moe” is never a good method to use. First and foremost, you need to remember that you are serving the customer with a buying experience; it should be a good one. Secondly, you want something that works for you and your business needs. Here are a few things to consider before choosing:

Know your customer: As crazy as it sounds, not all customers prefer a seamless, one-stop-shop buying experience. Some prefer a meticulous regimented approach for ease of mind. Furthermore, you must know what payment options your customers prefer (credit or debit cards, Apple Pay, eCheck, etc.) and where they are located; some gateway options are only available in certain regions. 

Fees, fees, fees: Most payment gateways have credit card rates for online transactions; though most are comparable. Also, some third-party providers require monthly gateway fees.

Ease of integration: We will be looking at payment gateway options for WooCommerce, which means all will integrate with the platform; but not all integration is as seamless as they may appear or tout. 

Security: Perhaps the most important consideration is security. As a business owner, it is your job to ensure that customer information is protected, this includes billing information. It is best to look for payment gateways that require an SSL certificate, which provides website authentication and an encrypted connection. Most, if not all, reputable payment gateways provide this type of security. However, some have extra security features. 

Now, for the top WooCommerce payment gateways.

Amazon Pay

First up to bat is Amazon Pay; brought to you by the ecommerce giant Amazon. The Amazon Pay extension allows you to give your customers a payment option through your existing Amazon account; therefore, no annual or monthly gateway fee is required. Furthermore, there is no need to hassle with a third-party provider. Once your Amazon account information is provided it becomes a seamless bridge between you and your customer. 

Simplicity for all

Set up is easy for business owners as discussed above. Amazon Pay also makes payment transitions easy for you and your customers; they need only to log into their Amazon account and choose a payment method. 

Vast reach

Since Amazon is a global competitor, business owners can take advantage of that worldwide reach. Amazon Pay is available in over fifteen countries — U.S., UK, Germany, Spain, Japan, to name a few. Multi-currency functionality is also available to merchants. 


Amazon Pay requires SSL certification. It also provides fraud protection and other security detection technology to uncover suspicious online activity. 

Other features and fees

Amazon Pay is optimized for mobile use, giving the rising mobile users the experience they’re looking for. Merchants can also set up recurring payments if the need arises. The Amazon Pay credit card rate for online transactions is 2.9% + 30¢.

WooCommerce Payments

Much like Shopify, WooCommerce also offers its own on-site payment gateway option. WooCommerce Payments are only available to merchants in the United States; though that may change at some point in 2021.  

Full integration

WooCommerce Payments are fully integrated to suit any ecommerce store using the WooCommerce plugin. This simplifies your workflow as you do not have to contend with third parties, allowing you to focus on growing your business. 

Convenience for you

WooCommerce Payments allows merchants to collect payments, manage recurring payments, resolve transaction disputes, and manage cash flow right from their store’s dashboard without ever having to log out. Payments from over 135 currencies are accepted. 

Convenience for your customer

Customers need not worry about being redirected to another website during the payment process. They can pay directly in the store with their preferred method. Their details will be saved for the convenience of future use. 

No setup costs or monthly gateway fees

With WooCommerce, merchants can get started for free with no setup costs or monthly gateway fees to worry about. Credit card fees for online transactions are comparable to competitors, 2.9% + 30¢.


Authorize.Net is a household name when it comes to payment gateway providers. It provides payment processing and management aid for merchants of any size. The Authorize.Net extension is one of the most advanced payment gateway integrations offered by WooCommerce; it has an annual price of $79, providing one year of updates and support.

Seamless checkout

The Authorize.Net extension allows merchants to customize their checkout process, tailoring it to customer needs. Checkout is also mobile-friendly. 

Numerous digital payments options

Apple Pay, PayPal, and Visa Checkout are available. In addition, eCheck processing is also available to customers.

Additional features

Authorize.Net allows merchants to create and store customer profiles. Customer management features are available, such as processing refunds, adding recurring payments, customizing billing options, and capturing authorized transaction information. 

Advanced security   

Advanced fraud detection filters help protect customer financial data through monitoring suspicious transactions and IP address activity. Authorize.Net requires an SSL certificate.


Stripe is another free payment gateway plugin for WooCommerce, allowing merchants to accept payments directly from their ecommerce store; no redirects or third-party providers required. Currently, it is available for businesses in over 40 different countries, accepting more than 135 different currencies. Credit card fees for online transactions: 2.9% + 30¢.

Optimized for mobile users

Stripe is primed for your mobile customers, those that want a fast checkout experience from their phone. It accepts digital wallet providers, Apple Pay, Google Pay, and Payment Request API, allowing users to input preferred payment information quickly and conveniently. 

Easy setup

The Stripe plugin is easy to install, no need to hassle with file transfers. Once installed, merchants can simply activate their payment methods and even modify payment requests and data capture.  

Monitoring financial data

Stripe offers built-in features that help merchants keep track of financial data. Monthly reports give insightful data on account activity; payout reports give details on all charges, payment adjustments, and refunds.  

Fraud protection 

Security is a primary concern. Fraud protection tools, like Stripe Radar, help detect and prevent fraudulent activity. An SSL certificate is required to ensure financial data is kept safe. 

PayPal and PayPal Pro

When folks think of payment gateways, PayPal is usually one the first names that come to their minds; for good reason, too. WooCommerce has a variety of options when it comes to PayPal plugins, but two are worth mentioning: PayPal standard and PayPal Pro.

Both are free to sign up

Merchants can sign up with PayPal with an email address, for free. Of course, to get paid, you must provide the necessary business and banking information. Each option requires a standard credit card rate of 2.9% + 30¢ for online transactions.  

The differences

PayPal standard is a free plugin on WooCommerce, however, it lacks two things that you may find important. It is not an on-site payment gateway; it redirects the customer off your site during the payment process. It also lacks the requirement for SSL certification. PayPal Pro allows users to complete the payment process from your store with SSL certification security; but the subscription is $79, billed annually. 

Growing businesses in mind

PayPal is known for its simplicity. But it allows merchants to utilize customer purchasing data and insights to help make better business decisions in the future. Furthermore, its international reach is good news for any merchant looking to expand into the global marketplace.

Expert Support 

The PayPal business resource center is perhaps the biggest advantage for business owners. It offers merchants an opportunity to join other like-minded business owners in community forums as well as hosting a network full of helpful articles for businesses of every stripe and need.

Final Considerations

The goal of most merchants, when choosing a payment gateway, is to give the customer the best purchasing experience; so they return. However, the checkout experience can be confusing at times and one of the biggest reasons for cart abandonment

Fortunately, LiveRecover does provide an option for those merchants tired of dealing with the headaches that come from abandoned carts. LiveRecover uses personalized SMS messages, (with the contact information provided by the customer) and real humans to contact the customers that left abandoned carts; to recover the lost sale for you. Contact LiveRecover today to learn more. 


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