In order to understand how efficiently an e-commerce store is being operated, it is important to gauge customer satisfaction pertaining to the support that they receive throughout their journey. In the last step of the overall process, one way to ensure a good customer experience is by facilitating a seamless smooth check-out manipulation. To enable an optimal check-out experience, a company must set up an effective payment gateway that facilitates smooth transactions for the retailers, as well as clients. It was deduced by a few survey analytics that the final purchase decisions of customers are influenced by the payment types involved. Needless to say, one primary challenge that e-commerce store owners face involves choosing the ideal payment gateway integration that aligns well with their stores from a host of options available on the market. It is important for stores to engage in thorough and holistic consideration regarding different aspects of the process, before choosing the best Magento 2 payment gateways from the available alternatives.

What is a payment gateway?

An e-commerce payment gateway is essentially a merchant service that facilitates payments via credit cards in the existing software of an online store. The transactions are processed directly from e-commerce businesses or online stores to the payment processor, and the latter will obtain the amount from the customers later. The customers’ banks may provide them with a payment gateway. However, it is also possible for certified financial service providers to do so as a part of their service. When a payment gateway is integrated, it becomes easier for customers to submit their credit card data in a secure environment. This financial data could be shifted from the payment portal of the merchant to the acquiring bank.

A short reminder: how do payment gateways work?

Essentially, with a payment gateway, customers remain protected against identity theft. This is achieved through the encryption of their credit card numbers. One can imagine this entity to be a middleman present between the merchant and the bank. Simply put, the payment gateway ensures that the credit cards are safely processed between the customer and the merchant, as well as the merchant and the payment processor.

How to evaluate a payment gateway?

The success of Magento stores in terms of satisfying their customers largely relies on the process of selection of the appropriate payment gateway for the e-Commerce business. In order to optimize the core functions, the payment gateway that is selected has to be qualified and must adapt to the strategic directions as well as goals of a business. Furthermore, it must also meet the basic criteria in terms of security features, convenience, capabilities, and expenses. When a business is looking for an effective payment gateway to serve their Magento store, it is important for businesses to consider four crucial parameters:

  1. Security – Related to the effectiveness of the protective features incorporated to secure the payment process, the transaction details, and the data of the customers. It is also crucial to prevent payment fraud.
  2. Convenience – Associated with the ease of integrating the system to ensure functionality.
  3. Capabilities – Answers questions regarding the kinds of payments that are accepted as well as the various alternatives that are available.
  4. Cost – It is crucial to understand the monthly fees (if any) or the fees charged per each transaction during payment processing.

There are several other aspects that must be taken into account when payment gateway integration is being set up for Magento online stores. To begin with, it is crucial for the chosen payment gateway to be able to tweak the business size since the Magento platform will consistently evolve and grow. There are two different editions of the Magento platform – enterprise and community editions. The primary difference is that the Magento community encompasses small or start-up e-Commerce businesses, and alternatively, Magento enterprise includes a host of small, as well as established businesses. Hence, it is important to select a Magento payment processor that is capable of backing up for both editions, since typically, Magento payment gateways do not integrate with the enterprise edition. Furthermore, to ensure optimal customer engagement, it is important for stores to offer common credit cards that can be used by their customers to make purchases. However, do note that customers would prefer it if you provide different payment alternatives so they can make a choice. In such a scenario, the optimal solution for Magento stores would involve applying a range of diverse payment gateways.

Top payment gateways for Magento 2


Today, there are more than 7 million businesses that use PayPal, and the reason is its simplicity. This tool can be used anytime and with the help of any device. It enables fast checkout, and international payments are accepted by it.


  1. Permits the use of credit cards for website payment
  2. Enables users to create and email personalized invoices
  3. It is very simple to use
  4. No setup fees or monthly charges are incurred
  5. For each transaction, the fee charged is 2.9% +$0.30
  6. Can be used in 200 countries
  7. If currency conversions are required, leverages an exchange rate for such transactions

In recent times, a primary disadvantage that was brought to light regarding PayPal is that its commission rates are relatively high. When it comes to business transactions, a lot of money may be charged by PayPal. If you are considering looking for a different payment system, it is important to understand its pros and cons.


  1. It can be used in various ways, instead of merely making payments through your PayPal account
  2. It is possible to process credit and debit card payments
  3. The setup process is very easy
  4. The process of authorization of the account is instantaneous
  5. It’s fast and secure


  1. Since the process of setting up an account is easy, it is often vulnerable to fraudulent sellers
  2. It can take very long to unlock your account
  3. Customer support services are unsatisfactory
  4. Your account may be frozen by PayPal without prior information
  5. You may incur high transaction fees (in the case of a rise in the monthly sales volume)


When it comes to the payment gateway, another big name that is contending with PayPal is Stripe. Established in 2011, Stripe is a payment company based in Australia. Since its launch, it has grown into a renowned name associated with the delivery of optimal payment services capable of supporting several currencies from over 100 different countries. Furthermore, it does not require the setting up of distinct merchant facilities. Several amazing features are offered by this gateway, making it one of the market leaders. One important advantage that it offers is that during payment, users can stay on-site instead of being directed to various sites. Furthermore, Stripe does not charge extra fees in integration, and everything, including monthly fees, set up fees, minimum charges, or card storage fees, are made very easy. Magento business stores are required to pay 2.9 percent + 0.30 USD per authorization for this extension. This is a global platform that is fully integrated and has resulted in the onset of a new level of convenience when it comes to payments, enabling simple payments setup that is recurring and subscription-based, rebill on customers although credit card information is not stored, along with charges pro-rata availability to ensure that the checkout experience is seamless. Thus, all of these reasons have resulted in the Magento 2 Stripe extension being the top recommendation by Mageplaza for global Magento 2 sellers and merchants for their e-commerce stores. – AIM version

Authorize.Net has more than 440,000 merchants, customers, and thousands of business partners. Since its establishment in 1996, it has functioned as a trusted payment gateway partner. The regular payment gateway and the integration that is common under is the AIM version. But do note that it does not permit recurring payments, and the credit card information is not saved. Thus, it can be used only as a one-time payment. Each time customers make a purchase; they must enter their credit card details.


  1. Gateway fee is $25 per month
  2. For each transaction, 2.9% + $0,30 is charged
  3. For online purchases, optimal solutions are provided, which is also the case for face to face transactions
  4. A free mobile app is available
  5. There are several free tools are available for protection against fraud
  6. Free 24×7 support is available


  1. Customer information is stored in a way that is simple to find
  2. The customer support team is very helpful
  3. Both online and mobile payments are enabled
  4. A host of cards are accepted
  5. Assists in preventing fraud by securely storing data


  1. The mobile apps are not properly developed
  2. Apart from the gateway, you are required to create a merchant account


In the Italian market, CartaSi offers optimal payment services to financial or institutional companies, as well as e-commerce stores. When it comes to electronic money, CartaSi is considered to be among the best, boasting of 2 billion transactions and 13 million credit cards in circulation. CataSI managed to persuade more than 17 million Italian customers to use its services for online purchases.  With the integration of CartaSi payment to Magento 2 stores, an array of benefits are offered to the customers as well as store administrators. It offers a host of advantages, including the availability of refund and chargebacks mitigating the 3D Secure feature. Moreover, the primary focus of the extension involves the qualification of CartaSi payment on the basis of the conditions related to the order amount. Essentially, it is possible for store admins to determine the minimum and maximum numbers of orders that are allowed for the customers. As soon as the overall number of orders touches this limit, they will be suggested to use a new CatarSi payment method. It is important for businesses in the Italian market to assess the significance of CartaSi, before considering the integration of the CartaSi payment extension. It can be found in Mageplaza.


Braintree offers several outlines, settlement currencies, fraud protection on a global level, and local payment proficiency within the same integration. This payment gateway is used by Airbnb and LivingSocial, due to its effective tools and the seamless checkout for websites and apps. Currently, Braintree is available to use in 44 countries and features over 130 currencies.


  1. Per transaction, the fees are 2.9% + $0.30
  2. No monthly fees are charged
  3. Offers different pricing options such as flat rate and interchange plus
  4. Acceptance rates are optimal
  5. For your website or your app, ready-made UI is available to ensure a secure checkout


  1. The design prioritizes security
  2. Payments are required only upon use
  3. Supports 3D Secure and global payment methods, such as China UnionPay


  1. Fees are not returned by Braintree in the case of partial refunds


SagePay works with merchant accounts to provide an effective payment gateway service. One primary difference between this extension and the other alternatives within the same market is that it values payment security and fraud reduction over everything else. Today, it is a renowned name among major banks and credit card companies as it offers the highest level of card data security – PCI DSS Level 1 compliance that helps in securing transactions against fraud. Particularly, the Sagepay payment extension on Magento 2 offers several security layers, including AVS, CVC, 3D Secure authentication. Furthermore, the design of SagePay includes a Credit Card Vault to store the credit card information of customers as a kind of token. With this token system, the privacy of customers is protected and it ensures that the customers enjoy a quick purchase process as they are merely required to choose the integrated token. With the acceleration of the payment process, even the stores receive their money sooner. The Magento 2 SagePay extension offers stores customizable payment processes and interfaces through three different integration options: SagePay Direct, SagePay Form, and SagePay Server. Therefore, stores are better equipped to choose the right integration for their business.


Today, more than 50,000 merchants from across the world use 2Checkout, which accepts a host of payment methods and currencies, simplifying the checkout process for the customers. This payment gateway has more than 300 fraud rules and thus, its service is recognized under multiple standards, including PCI DSS level 1, GDPR, BBB Accreditation, ISAE 3402, and SSAE 18, Privacy Shield to ensure high security. In the case of the Magento 2 2Checkout payment, it is possible for stores to store the shopping carts for which payment is processed via 2Checkout on the 2Checkout hosted page. Thus, store owners are provided with some extra storage space for better management of the 2Checkout orders. With this, the rate per transaction is determined by the location of the business. Moreover, a good discount is offered to businesses processing over 50,000 USD each month. In the United States, businesses are required to pay 2.9 percent + 0.30 USD per transaction when using this gateway.

Final Words

In digital trading, online payment is a useful advancement, as it simplifies the checkout process. When an ultimate payment gateway is applied, the process can be accelerated, and thus, it also improves the pace of the transfer of money between merchants and their customers. Magento 2 stores must think of integrating a Magento payment gateway extension in order to optimize the various features of this payment gateway, along with the additional features offered by Magento extensions.