Top 10 Best International Payment Gateways (2025)

Criteria for Selecting the Best International Payment Gateways

Selecting the best international payment gateways requires careful consideration of security measures, global reach, integration capabilities, fee structure, and customer support to ensure they meet your business needs.

Security measures

Security is vital for any international payment gateway list. The best platforms use SSL encryption, tokenization, and 3D Secure to prevent fraud.

• Stripe: Strong security and fast transactions.
• Authorize.net: Exceptional fraud protection.
• PayPal: Reliable but occasionally freezes accounts.

Global reach

A broad reach is essential for international payment methods online.

• Stripe: Supports 135+ currencies in 46 countries.
• PayPal: Available in 202 countries with 25 currency options.
• Square: Operates in North America, Europe, and Australia.

Integration capabilities

The best international online payment gateways should integrate smoothly with various platforms.

• Stripe: Integrates with Wise Business for multi-currency transactions.
• PayPal: Payflow API allows fraud protection and recurring billing.

Fee structure

Understanding costs helps businesses optimize profits.

• Stripe: 2.9% + $0.30 per transaction; 1% for currency conversion.
• PayPal: $0.10 per transaction via Payflow API; additional fees apply.
• 2Checkout: Charges range from 3.5% + $0.35 to 6% + $0.60 per transaction.

Customer support

Reliable support is key to smooth operations.

• Authorize.net: Strong email and phone support.
• PayPal: Some users report poor service and system crashes.
• Square: Issues with withheld funds and account deactivations.

Top 10 International Payment Gateways in 2025

Cross border payment trends have evolved remarkably by 2025, presenting a diverse array of options for global transactions. Each gateway offers unique features aimed at simplifying cross-border payments for businesses and consumers alike.

Vellis

Vellis, leveraging Areto Payment as its payment gateway, provides cutting-edge solutions tailored for e-commerce merchants and marketplaces. The platform ensures seamless transactions, allowing businesses to focus on growth while handling their payment processing needs efficiently. 

With a strong foundation in financial technology, Vellis delivers a streamlined payment experience that caters to various business models, enhancing the overall customer experience.

Key features:

• Extensive Payment Options: One of Vellis’s standout features is its access to over 600 payment methods through a single integration, making it one of the most versatile payment gateways available.
• High Availability: With an impressive 99.999% uptime, guarantees that transactions are processed reliably without interruptions.
• Security Compliance: Vellis adheres to stringent compliance standards, mitigating fraud risks and protecting sensitive financial information.

Important note: Areto Payment Processing Services AG is a licensed financial intermediary and member of the VQF, supervised by FINMA.

Stripe

Stripe has established itself as a leading international payment gateway, renowned for its developer-friendly platform and powerful API integrations. Businesses of all sizes rely on Stripe to handle transactions seamlessly across multiple countries, making it an essential tool for global commerce. 

With a focus on innovation, Stripe continues to refine its platform, offering businesses cutting-edge tools to enhance their payment processes.

Key features:

• Global Support: With extensive global support, Stripe operates in numerous countries and supports transactions in over 135 currencies.
• Customizable Integration: The platform’s customizable integration capabilities allow businesses to tailor their payment experiences using robust APIs.
• Advanced Fraud Detection: Powered by machine learning, Stripe proactively identifies and mitigates fraudulent transactions to ensure secure payment processing.

Recent Developments: Stripe processed $1.4 trillion in payments in 2024, marking a 38% increase from the previous year.

Paypal

As one of the pioneers in online local & international finance, PayPal remains a dominant force in global transactions, trusted by millions of businesses and consumers worldwide. Its strong reputation and ease of use have contributed to its widespread adoption across industries, from e-commerce to subscription-based services. 

The platform continues to evolve, integrating new technologies to meet the changing needs of merchants and buyers alike.

Key features:

• Widespread Acceptance: PayPal’s widespread acceptance allows merchants to reach a broad audience across international markets.
• User-friendly Interface: This simplifies transactions, making it an ideal choice for businesses and individual users.
• Comprehensive Services: PayPal provides invoicing, recurring billing, and buyer protection.

Recent Developments: PayPal launched “PayPal Open,” a new merchant platform unifying various services, and partnered with Verifone to enhance payment acceptance solutions.

Square

Square is a leading payment gateway known for its innovative solutions catering to small and medium-sized businesses. Offering a seamless integration of hardware and software, Square has revolutionized in-person and online payment experiences, helping businesses manage their sales effectively. The platform’s versatility makes it a popular choice for merchants looking for an all-in-one payment solution.

Key features:

• Integrated POS Systems: Streamlines in-person transactions with user-friendly hardware and software.
• Online Store Integration: Square provides seamless online store integration, allowing merchants to process payments effortlessly.
• Financial Services: Square extends beyond payments, offering business loans and payroll solutions to help businesses grow and manage their finances more effectively.

Authorize.net

Authorize.net, a subsidiary of Visa, has built a strong reputation as a reliable payment gateway, supporting businesses with secure and comprehensive payment processing solutions. Its robust infrastructure enables merchants to accept various payment methods with ease, ensuring smooth transactions for customers.

Key features:

• Comprehensive Solutions: The platform supports multiple payment options, including credit cards, e-checks, and digital wallets, offering businesses the flexibility they need.
• Fraud Detection Suite: Helps merchants prevent fraudulent transactions by leveraging advanced security measures.
• Recurring Billing: Authorize.net simplifies subscription-based models with its recurring billing feature, making it an excellent choice for businesses offering membership services.

Mangopay

Mangopay is a specialized payment gateway designed for marketplaces and crowdfunding platforms, providing a tailored solution for businesses operating in these sectors. With a focus on flexibility and security, Mangopay offers a seamless payment experience that caters to diverse business needs.

Key features:

• Customizable Payment Flow: Allows businesses to structure transactions according to their unique requirements.
• Escrow Functionality: Mangopay integrates escrow functionality, securing funds until all transaction conditions are met, ensuring trust between buyers and sellers.
• Multi-currency Support: The platform simplifies cross-border transactions, making it an attractive choice for global businesses.

Important note: As a licensed entity under the CSSF in the EU/EEA and the FCA in the UK, Mangopay operates under stringent regulatory standards, enhancing trust and security. ​

Wero

Wero is a European mobile payment system developed by the European Payments Initiative (EPI), aiming to unify various national payment systems into a single solution. Launched in Germany in 2024 and later expanding to France and Belgium, Wero provides a streamlined and efficient payment experience for European users.

Key features:

• Unified Payment Solution: The platform offers a unified payment solution, replacing multiple national systems such as Giropay and iDEAL.
• Real-time Payments: Wero enables instant transactions, enhancing the speed and convenience of financial exchanges.
• Digital Wallet Integration: Allows users to store and manage their payment credentials seamlessly, making mobile payments more accessible and user-friendly.

Important note: Wero was launched in Germany in July 2024 and expanded to France and Belgium later that year.

BRICS Pay

BRICS Pay is a decentralized payment system developed by BRICS nations to facilitate transactions in local currencies. Designed to promote economic cooperation among member countries, the platform aims to reduce reliance on third-party intermediaries and foreign currencies.

Key features:

• Decentralized Messaging System: BRICS Pay operates without a central authority, enhancing security and transaction efficiency.
• Local Currency Transaction: The platform enables local currency transactions, allowing businesses and individuals to conduct payments in their native currencies without costly exchange fees.
• Enhanced Transparency: BRICS Pay prioritizes enhanced transparency, reducing costs and complexities in international transactions, making it a valuable tool for businesses engaging in cross-border trade.

Choosing the best international payment gateway depends on security, integration, fees, and global reach. Whether you’re looking for a free international payment gateway or a high-end solution, this international payment gateway list ensures your business can process cross-border transactions smoothly in 2025.