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Mobile Payment Gateway

7 Best mobile payment gateways in the market today.

18 SEP 2020

Mobile Payment Gateway

There are plenty of mobile payment gateways available in the market today to integrate with your mobile or web applications, so it is hard to choose the best payment gateway solution that best fits your business needs.

For the businesses to carry out secured online transactions, In-app payments, credit/debit card payments, and even for off-line store payments it is necessary to adopt a payment platform that builds trust in customers who are willing to pay and gives security while processing online transactions.

Here is the list of comparatively best and top-rated payment gateways that can be integrated into your business applications to achieve hassle-free and secured money transactions.

  • PayPal
  • Amazon Pay
  • 2CheckOut
  • Brain tree
  • Stripe
  • WePay
  • TransferWise
  • Razor Pay


PayPal is one of the best mobile payment gateway that offers app payment service to its merchants at a low-cost rate, though it doesn’t charge for the purchase transactions for personal users it may charge around 1% of the total transaction balance for instant transactions. And since it has acquired Braintree payment gateway in 2013 there will be no difference between choosing PayPal payment gateway or Braintree as they serve similar services.

For business transactions, PayPal may charge their merchants at a rate of 2.9% (Maximum) for their transactions without any setup and per-transaction fees, hence it will be a good choice to opt for lower-level businesses to start with this to avoid additional charges for their business transactions.

Easy and secure ways of setting up a PayPal account at the customer end, worldwide transaction facilities have increased the user base for this mobile application payment system gateway. Which also offers credit card services for their customers through their partner bank networks that provide online payment solutions.


Authorize.Net payment gateway solution accepts all credit and debit card payments along with eChecks provides users a function to save their credit card detail in their mobile apps or websites through single login credentials for faster and easier transactions (10 credit card limits for a customer).

Authorize.Net can accept online business transactions throughout the world, but your business must be registered in any of the countries likely America, Canada, Australia, UK, or Europe. Along with the facility to accept transactions from different credit cards—Visa, MasterCard, American Express, Dinner, etc., — it also accepts payments from Apple Pay, Visa checkout, etc., Authorize.Net offers their merchants a setup fee of 49$ and a monthly payment gateway fee of $25 along with batch fee and the transaction fee of $0.10 each.

Automated billing, automated confirmed or canceled transaction messages of Authorize.Net payment gateway have increased credibility in their customer transactions. If you are planning for a web application with an international Payment gateway, then could be one of your choices.

Amazon Pay

Amazon Pay is one of the best payment gateway that can be integrated with mobile applications, as it allows the Amazon Pay customers to make payments on third party websites using their existing Amazon pay account or E-wallet without giving any credit/debit card details.

Amazon Pay offers their merchants the same price of 2.9% + 0.30 per transaction as many of the Payment gateways are offering with the same structure, but Amazon offers no setup fee or hidden fee merchant account currently. Hence, considered and suggested for e-commerce gateway from many users.

Amazon Pay’s (Alexa) featured voice booking, Simple steps in adopting Amazon pay widget on the mobile app, faster and secured amazon transactions with Amazon’s A-Z guarantee helps in lessening cart abandonment which will be the main reasons for many e-commerce merchants to go with Amazon Pay mobile application payment services.


2CheckOut gateway accepts all major types of credit and debit card transactions with E-wallet transactions. By accepting transactions from all major countries throughout the world.

2CheckOut charges differ from 2.4% to 3.9% per day charges and 0.3$ to 0.45$ per transaction depending on the seller’s country and business without any additional fee.

Along with mobile app payment gateway integration and 24*7 support, 2CheckOut charges its merchants only for successful transactions which are more suitable for the startup or small e-commerce businesses to accept payments from the iOS app, android apps, and mobile websites.

Brain tree

A Brain tree is a division of PayPal and offers its customers all the features and services offered by PayPal.

Brain tree charges their merchants a rate of 2.9% on total daily transactions and 0.3$ on each transaction without any additional fees.


Stripe is the fast-growing payment gateway provider in many of the major countries around the world. Stripe Payment gateway accepts all major debit/ credit card transactions, with E-Wallets and store visit transactions.

Stripe payment gateway charges 2.9%+ 0.30$ for domestic transactions without any setup or additional fee, with a 1% increase in charges for international business transactions.

Access to integrate payment gateway API into the IOS or android mobile app, Customizable payment process, access to build own subscription models, a reminder system, no refund fee, and many more are the best key features for the businesses to opt for Stripe mobile app payment solutions.


WePay payment gateway offers its services only in America, Canada, and the United Kingdom. And accepts all credit/debit cards, E-wallets, and ACH payments from its customers.

WePay is the best payment gateway for small businesses to adopt because of its no setup, no monthly, and no hidden fees. WePay payment gateway charges its merchants a standard 2.9%+0.3$ for transactions along with 25$ as a research fee.

WePay provides payment gateway integration API for mobile apps to increase credibility in customer transactions along with low-cost, 24*7 support, secured transactions are the benefits to have WePay app payment gateway.

Above listed are some of the best-performing top rated payment gateway solutions. Excluding these top 7 mobile payment gateways you can still consider to integrate your mobile or web application to handle hassle-free transactions internationally.

Razor Pay

Razor Pay payment gateway will be the future payment gateway to conduct hassle-free domestic as well as international transactions, as it offers a low-cost gateway having the ability to conduct bank transactions, check transactions, UPI, Credit card, debit card transactions, etc.,

This gateway offers its service with no setup fee and zeroes annual maintenance cost. Razor Pay charges its merchants 1.8% of the overall transaction amount for every successful transaction and an additional 1% for international transactions.

Implementing razor pay gateway in your website provides a simple and smooth business transaction and its transparency with its merchants helped them increase their foot globally. These gateways can be deployed on Mac, Windows, cloud apps, cloud applications, IOS, and android, ETC., they also provide in-person and online training along with 24/7 live representatives.


Integrating Transfer wise to your mobile or web applications provides better and much cheaper transaction rates when compared to PayPal, this does support international transactions (US, UK, Euro, Australia, New Zeeland), TransferWise exchanges, and transfer currencies to the international receiver. By allowing you to keep different currencies in your account.

As TransferWise allows international currency conversion and transactions it charges normally 3.75% – 4% as exchange rates and an additional 0.5% for international transactions, with a fixed 1.99 EUR for the USA, Canada, and Europe.

Its features of transfer fee calculator, tools for generating invoices, bulk amount transactions, ability to keep multi-currency, able to automate much payment process through gateway API, etc., are the feature enables its users to ease their work of payment transaction online.

Growth in global buyers and online transactions resulted in an increased number of security breaches, hacked card details, and malfunctioning during transactions caused due to bad gateway implementation. Choose the best app payment gateway that fits your business needs with proper guidance. Contact us to implement the best fit solution for your business.

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