Articles Top 14 Online Payment Integrations for your Online Shop

Top 14 Online Payment Integrations for your Online Shop

Vlad Kovalskiy
10 min
Updated: March 11, 2024
Vlad Kovalskiy
Updated: March 11, 2024
Top 14 Online Payment Integrations for your Online Shop

With ecommerce firmly established as a competitor to traditional physical stores, more and more companies are looking for ways to exploit its lucrative potential. Indeed, many companies are even skipping the physical step and going straight to an online format.

Building an online shop is one thing, but keeping all your purchases reliable and secure is quite another. That’s why most companies rely on payment integrations to do all the billing and compliance legwork for them. 

In this article, we’ll review a range of ecommerce payment solutions that you can adopt to make your business a success. By taking care of the fine details, you and your team can concentrate on strategies to move forward.

All the costs outlined in our list apply to US domestic transactions. While most of the providers here accept international cards, you should expect quite a hefty percentage charge for foreign purchases. 


What is payment integration?

Payment integrations are solutions that link your website to an online payment gateway. The gateway then verifies the client’s card details and authorizes the payment, taking a large amount of stress out of the selling process.

How do I integrate ecommerce payment solutions to my website?

There are three steps to integrating an ecommerce payment solution:
  • Create an account on the payment management system of your choice
  • Build your webpage on a platform that accepts your payment system
  • Use a custom widget or API to integrate your payment solution

What are the benefits of online payment integrations?

Payment integrations are essential to online stores because they:
  • Speed up payment processing
  • Accept payment methods your customers use
  • Increase trust with new customers
  • Reduce human error
  • Provide chargeback prevention
  • Increase cash flow

1. PayPal

Paypal is one of the first payment integrations that comes to mind when setting up an ecommerce website. Founded in 1999, it is still a top go-to for businesses of all types and is known for its security and efficiency in countries all over the world. Paypal works perfectly well with almost all major credit and debit cards and it accepts a huge array of foreign currencies, albeit at an extra cost. 

If your business has just launched, customers will be familiar with your checkout process and might even have a bit of cash to splash in their PayPal wallet. 


2.59% - 3.49% (depending on plan and purchase type) + $0.49 per transaction
2.29% + $0.90 per in-person transaction


  • Deserved reputation for quality

  • No extra charges except transaction fees


  • High chargeback fees

2. Apple Pay

Similar to other world-renowned payment integrations on this list, Apple Pay is immediately recognizable and first-time customers feel confident purchasing. Although it is restricted to Apple users, it does have the advantage of being absolutely free to use. 

Customers love it too for its ease of use, security, and cashback deals. It’s also the first thing that pops up when shopping online on an Apple device. All of this points to an essential payment integration for your website. 




  • Single-use token system secures credit card data

  • It’s free!


  • Only works with Apple devices

3. Amazon Pay

Amazon Pay has a great advantage of being the same as the one used on the Amazon Marketplace. Your customers are likely to be very familiar with the process, meaning a high level of trust. When you integrate the payment method, it appears as a widget within your website so customers don’t have to leave the site to make their purchase. 

Ideal for small businesses, each payment comes with a 2.2% charge plus $0.30, with other taxes added on where applicable. As you grow, it allows you to trade in 80 currencies, with a selection option integrated in the widget. 


2.2% + $0.30 per transaction


  • A familiar process for new customers

  • Customizable transaction widget


  • You need an Amazon account to receive payments

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4. Klarna

What sets Klarna apart is the fact that it does a lot of the payment legwork for you. As a business, you can partner with Klarna and offer your customers a buy now, pay later option — ideal for big purchases where your customers don’t want to stump up the full amount immediately. 

As the merchant, you offer your revenues to process the payments, which sounds a bit counter intuitive. However, its creators claim it leads to an average 44% increased conversion rate and 68% increased order volume. Whether or not the customer pays in the end, Klarna transfers the money to you. 


$30 per month. $0.30 per transaction. Variable fees up to 3.79%.


  • A dynamic payment option that opens up new markets

  • Better chances of selling high-priced products


  • High price point for small businesses

5. Alipay

Part of the colossal Alibaba group, Alipay works similarly to Amazon Pay in that customers can use the app to store card information and pay in physical stores. Now available for online retail, you can integrate Alipay into your checkout and start charging through the app. 

It is one of the cheapest payment integrations, certainly more so than its American counterpart, but it is limited to the Chinese market. While it would be unwise to rely on Alipay for existing North American or European customers, it is a great way of breaking into China. 


0.55% per transaction


  • The best way into the Chinese market

  • One of the cheapest payment methods on the list


  • Only available in China

6. Stripe

Stripe has made its name as one of the most recognizable ecommerce payment solutions, which is a great advantage for fresh companies who need to build trust in their brand. It’s adaptable enough to cover ecommerce stores, subscriptions, and on-demand services, so it’s great for businesses that encompass a range of roles. 

They’re also flexible in terms of presentation, with powerful customizable payment options and design to fit effortlessly into your website and more. 


2.9% + $0.30 per transaction


  • Machine learning-powered fraud prevention

  • Custom UI toolkits


  • Not too many in-person features by comparison to other big-hitters

  • Some tools and open API require tech expertise

7. 2Checkout

2Checkout gives you a bunch of analytics tools available on your dashboard so you can see your sales metrics, aligned with marketing and merchandising tools

Although the transaction pricing is set quite high — 3.5% + $0.35 for the entry-level plan — many small businesses choose 2Checkout for its security. PCI Level 1 certified, it looks at over 300 points in under three seconds to catch fraud before it affects you and your customers. They’ll also take care of VAT, compliance, and more for the same price.


2Checkout has three membership tiers: 

2SELL: 3.5% + $0.35 per transaction

2SUBSCRIBE: 4.5% + $0.45 per transaction

2MONETIZE: 6% + $0.60 per transaction


  • PCI Level 1 anti-fraud security certified

  • Great user dashboard


  • Customer service isn’t the best

  • Pricing is comparatively high

8. Stax

Stax is one of the most flexible payment integrations on the market, with plans for small business, large business, and SaaS platforms. All plans come with at least $500,000 in annual processing and they throw in a free terminal or mobile reader, although most other terminals and POS systems are compatible. The entry-level plan also comes with a dashboard and analytics feature to help you track customer behavior and take advantage of patterns. 

Stax integrates with all payment methods and you can include it in your ecommerce site even if you have no coding skills. 


Stax for small businesses has three membership tiers with no transaction fees: 

Growth: $99 per month

Pro: $159 per month

Ultimate: $199 per month


  • Flat fee allows for easy budgeting

  • Many different plans for every kind of business


  • High starting price

9. Payment Depot

Like Stax, Payment Depot follows the per-month model, rather than the per-transaction approach. You can therefore set up your payment integrations according to your expected annual revenue and sidestep any unexpected monthly costs. 

This is a great option for small businesses who need to keep a close eye on their outgoings. However, it’s wise to do your calculations — if you’re bringing in less than $25,000 a month, you might be better off on a per-transaction percentage plan. The more you earn, the better this deal is for you, and if you expect to receive more than $500,000 per year, Payment Depot will offer a custom quote.


Starter: $59 per month

Starter Plus: $79 per month

Growth: $99 per month


  • Transparent per-month payments

  • Three levels for companies at different stages


  • Can be expensive for low-revenue companies

10. PayCafe

Founded in 2017, PayCafe is relatively late to the game, but came with a serious set of fraud and chargeback protections. Using machine learning algorithms, they analyze every transaction and notify you of any potential dirty work. For any other hiccups, you’ve got a constant customer service line available, so you can keep your business going at all times.

That forward-looking focus extends to accepted payments too. Aside from credit cards, PayPal, and direct deposits, you can also receive cryptocurrencies. All your transactions appear in detailed reporting software to give you insights that will help you improve in the future.


From 2.49% per transaction 


  • Great 24/7 customer service 

  • Excellent fraud protection


  • Pricing is not super-transparent

11. Square

Square is excellent for brick-and-mortar companies looking to incorporate online sales. There are a variety of ways to receive payment, with apps as well as physical devices. 

Both online and offline, It is compatible with all card types with no change in cost — even for American Express. You can track all your payments and customers within the app with complex analytics and reporting to help you improve. Squareup payment integrations connect to your ecommerce website to allow for payments and sending out invoices.


2.9% + $0.30 per transaction


  • Extra support for low-volume sellers

  • Free magstripe reader and point-of-sale app


  • Only available through the Square app

12. Helcim

Helcim is another of those online payment integrations that works just as well in your physical store. You get all the hardware for in-person sales as well as easy integrations into your website. 

It’s friendly to businesses on a budget with no hidden fees and a unique pricing structure. They work out charges based on your monthly sales and the price of your average transaction, which gives smaller businesses a fair deal as they get things started. That said, it’s still best for companies dealing with around $25,000 to $50,000 per month. 


0.5% + $0.25 to 0.2% + $0.10


  • Low, fair pricing structure

  • Great for online and physical stores


  • Some customers find the UX tricky

13. Payoneer

Another giant among online payment integrations, Payoneer excels at cross-currency payments with localized receiving accounts that cut out a bunch of extra costs usually associated with international payments. 

It isn’t great for standard ecommerce stores, as it doesn’t work for online payments. That said, if your business works more on invoices and bank transfers, it’s ideal. For example, companies with suppliers around the world can make their payments without losing chunks of cash in fees. 


$29.95 per year and up to 2% per transaction


  • Easy bank transfers to national and international accounts

  • Great for businesses with suppliers


  • Does not work with online payments, only bank transfers

  • Unsuitable for standard ecommerce websites

14. PaymentCloud

PaymentCloud is another super-secure payment management system that has found a niche in the market — working with higher-risk businesses. Companies working with cannabis-related products, debt consolidation, adult products, or alcohol can be seen as toxic to some payment integrations. But PaymentCloud’s focus on fraud, compliance, and chargeback protection makes them somewhat fearless in this regard. 

It is simple to integrate into almost any ecommerce website and works with instant payments, invoices, and subscriptions. PaymentCloud also provides a shopping cart feature, but you can use your own cart if needed. 


Fully customized depending on the business


  • Incredibly secure

  • Great for medium to high-risk businesses


  • Complicated fee system

Whichever of the payment methods you decide to work with, having a website that can integrate them is absolutely essential. Lucky for you, Bitrix24 comes with integrations for online shop users, invoice payments, online store payments, and a whole host of other payment features to streamline your entire payment process. 

Not only that, it connects seamlessly to a powerful inbuilt CRM to store all your customer details and behavior. So if you’re looking to launch your own ecommerce store, look no further and give Bitrix24 a go today

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Table of Content
FAQs What is payment integration? How do I integrate ecommerce payment solutions to my website? What are the benefits of online payment integrations? 1. PayPal Costs Pros Cons 2. Apple Pay Costs Pros Cons 3. Amazon Pay Costs Pros Cons 4. Klarna Costs Pros Cons 5. Alipay Costs Pros Cons 6. Stripe Costs Pros Cons 7. 2Checkout Costs Pros Cons 8. Stax Costs Pros Cons 9. Payment Depot Costs Pros Cons 10. PayCafe Costs Pros Cons 11. Square Costs Pros Cons 12. Helcim Costs Pros Cons 13. Payoneer Costs Pros Cons 14. PaymentCloud Costs Pros Cons
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