Day 27: Six Safe & Simple Payment Gateways

Home/Day 27: Six Safe & Simple Payment Gateways

Day 28: Handy List of eCommerce Tools and Resources

Yesterday, we looked at the step by step process of how to start selling products and services online.  Today we’ll be discussing about payment gateways that allow you to sell products on your website.  The payment gateway takes care of the shopping cart and the payment processing, but redirects the customer back to your website for product delivery.

Here is a diagram that explains the role of payment gateways in product sales.  This is the same as “Option 3” in selling products on your website, as mentioned in yesterday’s article.

Website Payment - Option Three

I’ve compiled a list of payment gateways that provide the services depicted in the image above.

List of Payment Gateways



PayPal is the most preferred method of receiving payments on the internet.  They claim to be the “faster, safer way to pay and get paid online, via a mobile device and in store”.  If you use PayPal as your payment gateway, it provides your customers the ability to pay without sharing financial information.  Customers also have the added flexibility of paying using their PayPal account balances, bank accounts or credit cards.

It is free to sign up and there are no monthly charges.  But to receive a commercial payment within the US, sellers need to pay a transaction fee of 2.9% on the total sale amount, plus a fixed fee of $0.30 per transaction.  PayPal supports 25 currencies in over 200 countries worldwide but additional fees may apply for currency conversions.



2CheckOut is another popular payment gateway that simplifies the checkout process on your website by bundling the merchant account and payment gateway.  They also pride themselves on maintaining the highest level of security and fraud protection.  They also support 87 currencies in over 200 countries worldwide.  Customers can also choose from any of 15 languages to get a personalized and familiar checkout experience.

There are no sign up fees or monthly charges to use this service.  Businesses based in the US are required to pay 2.9% of the sale amount plus an additional 30¢ as fees for each transaction.  The rate for international sellers varies based on the country.

Google Pay

Google Pay

Google Pay is a free service that allows online businesses to process payments easily.  This service lets customers pass their payment details, shipping address, and other information stored within their Google account to the website’s existing payment processor.  Google Pay does not charge the seller anything to use this,  but they will still have to pay the standard processing charges as with regular credit card transactions.

The advantage of this service is that customers who use Google Pay don’t have to re-enter their payment information every time they shop.  Also customers are retained on your site and not redirected to another website for the payment to be completed.  This service is customized for mobile users as well.



Skrill is one of the world’s largest online payment providers currently being used by millions worldwide.  They offer more than 100 payment options in 40 currencies, and cover about 200 countries and territories worldwide.  Their service is simple and easy to integrate and offers fast, real-time payment settlement. They provide a high level of security on all transactions and their service comes at a competitive price. is a service that lets your business website accept credit cards and electronic checks securely and easily from your website.  You can accept international transactions from customers worldwide.  However, your business must be based in the United States, Canada, United Kingdom, Europe or Australia. There is no setup fee but their charges include a monthly gateway fee of $25 apart from the transaction fee.

Amazon Pay

Amazon Pay

Amazon Pay is a payment solution offered by the one of the most popular online retailers in the world.  If you choose to go with them, you are basically letting Amazon customers pay for your product or service through their Amazon account.  This is beneficial for your business because a lot of people trust Amazon as they are well-known worldwide.

There are no setup fees or monthly payments required if you decide to go with Amazon Pay as your payment gateway.  You only need to pay a processing fee of 2.9% and an authorization fee of $0.30 for each domestic transaction.

These are just a few popular payment services that take care of the payment processing when it is set up on your website.  You can take a look at the features each service provides, and choose one that works best for the product/service you are planning to sell.  Tomorrow’s article will be a compilation of various eCommerce tools and resources for your business website.

Today’s Action Step: Choose a payment gateway that best suits your online business requirements.

Click here to catch up on all the posts in this series.

About the Author:

School teacher turned internet marketing consultant, Sunu Philip is a Certified SEO Specialist. She founded “Clothed in Scarlet” to help women discover their unique God-given strengths and turn their talents into profits online. She offers subscribers a Free Online Business Startup Kit to help them start their online business from scratch.

Leave A Comment