Best Payment Gateways in 2026
Updated
In short: Mollie is ranked #1 of 62 as of 4 October 2026, ahead of PayPal Invoicing and Instamojo. The best-ranked option with a free plan is PayPal Invoicing. The lowest first paid tier on this page is Mollie at €9/mo.
Payment gateways help businesses accept payments and support the payment flows their customers use. Compare payment methods, supported currencies, and payout countries with the markets you need to serve. If you handle subscriptions or transactions between marketplace participants, recurring payments and marketplace payment support are useful criteria to check; API and SDK coverage can help you assess integration options. Free-plan availability and paid-from pricing add cost context. Mollie, PayPal Invoicing, and Instamojo are among the entries shown. Weigh the listed capabilities against how you take payments, which currencies you work with, and where you need payouts to reach.
62 payment gateways ranked on what their makers publish — plans and prices, free tiers, platforms and the facts on their own pages.
62ranked
6free plans on this page
€9/molowest paid tier
4 Oct 2026last checked
Input list Payment Gateways 25 channels on this page · 125 of 200 spec lines stated by the makers
Ch Tool Free planPaid fromPayment methodsSupported currenciesRecurring paymentsMarketplace paymentsPayout countriesAPI and SDK coverage Spec sheet Score
01 Mollie Free planNoPaid fromnot statedPayment methodsCredit/debit cards; BANCOMAT Pay; Bancontact; Belfius Pay Button; Bizum; BLIK; EPS; iDEAL; KBC Payment Button; MB Way; Multibanco; MyBank; Pay by Bank; Przelewy24; Satispay; SEPA Bank Transfer; TWINT; SEPA Direct Debit; Alma; Billie; in3; Klarna; Riverty; gift cards; paysafecard; vouchers; Apple Pay; Google Pay; PayPal; point of saleSupported currencies28Recurring paymentsYesMarketplace paymentsYesPayout countries31API and SDK coverageapi sdk plugins 7/8spec lines stated 7.5
02 PayPal Invoicing Free planYesPaid fromnot statedPayment methodsPayPal, Venmo, credit and debit cards, digital wallets, bank transfers, vouchers, buy now pay later, cryptocurrencySupported currencies130Recurring paymentsYesMarketplace paymentsYesPayout countriesnot statedAPI and SDK coverageapi + sdk 6/8spec lines stated 7.5
03 Instamojo Free planYesPaid fromnot statedPayment methodsUPI, debit and credit cards, net banking, wallets, EMI, pay later, NEFT and bank transferSupported currencies1Recurring paymentsNoMarketplace paymentsYesPayout countriesnot statedAPI and SDK coverageapi sdk plugins 6/8spec lines stated 7.4
04 NMI Free plannot statedPaid fromnot statedPayment methodsVisa, Mastercard, Discover, American Express, Diners Club, China UnionPay, JCB, Apple Pay, Google Pay, ACH and bank transfersSupported currenciesnot statedRecurring paymentsYesMarketplace paymentsYesPayout countriesnot statedAPI and SDK coverageapi + sdk 4/8spec lines stated 7.4
05 Cashfree Payment Gateway Free plannot statedPaid fromnot statedPayment methodsUPI, cards, net banking, wallets, EMI, BNPL, Pay Later, international cards, PayPalSupported currencies140Recurring paymentsYesMarketplace paymentsYesPayout countriesnot statedAPI and SDK coverageapi sdk plugins 5/8spec lines stated 7.3
06 Google Pay Free planYesPaid fromnot statedPayment methodsnot statedSupported currenciesnot statedRecurring paymentsnot statedMarketplace paymentsnot statedPayout countriesnot statedAPI and SDK coveragenot stated 1/8spec lines stated 7.3
07 Checkout.com Free planNoPaid fromnot statedPayment methodsmajor card schemes; direct debit; voucher payment schemes; digital wallets; bank transfersSupported currenciesnot statedRecurring paymentsYesMarketplace paymentsYesPayout countriesnot statedAPI and SDK coverageapi sdk plugins 5/8spec lines stated 7.2
08 Paysera Free planYesPaid fromnot statedPayment methodsnot statedSupported currenciesnot statedRecurring paymentsnot statedMarketplace paymentsnot statedPayout countriesnot statedAPI and SDK coveragenot stated 1/8spec lines stated 7.2
09 Elavon Converge Free plannot statedPaid fromnot statedPayment methodsDebit cards, credit cards, electronic checks, PayPal, Apple Pay, Visa Checkout, MasterpassSupported currenciesnot statedRecurring paymentsYesMarketplace paymentsnot statedPayout countriesnot statedAPI and SDK coverageapi sdk plugins 3/8spec lines stated 7.1
10 Razorpay Payment Gateway Free planNoPaid fromnot statedPayment methodsCards; UPI; Cardless EMI; EMI; Netbanking; Wallets; Pay Later; Credit Card on UPISupported currenciesnot statedRecurring paymentsYesMarketplace paymentsYesPayout countriesnot statedAPI and SDK coverageapi sdk plugins 5/8spec lines stated 6.9
11 ACI Pay.ON Free plannot statedPaid fromnot statedPayment methodsCards, digital wallets, alternative payment methodsSupported currenciesnot statedRecurring paymentsYesMarketplace paymentsnot statedPayout countriesnot statedAPI and SDK coverageapi sdk plugins 3/8spec lines stated 6.7
12 Adyen Free planNoPaid fromnot statedPayment methodsACH Direct Debit, Afterpay, Alipay, American Express, Apple Pay, Bancontact, Blik, Carte Bancaire, China UnionPay, Clearpay, Diners, Discover, eftpos Australia, Girocard, Google Pay, iDEAL, JCB, Klarna, Maestro, Mastercard, MB Way, MobilePay, Multibanco, online banking, open banking, PayPal, PayTo, Trustly, TWINT, Vipps, Visa, WeChat PaySupported currencies136Recurring paymentsYesMarketplace paymentsYesPayout countries36API and SDK coverageapi sdk plugins 7/8spec lines stated 6.7
13 Comgate Free planNoPaid fromnot statedPayment methodsVisa, Mastercard, Google Pay, Apple Pay, PayPal, bank transfers, local payment methods, buy now pay later, installment paymentsSupported currencies9Recurring paymentsYesMarketplace paymentsnot statedPayout countriesnot statedAPI and SDK coverageapi + sdk 5/8spec lines stated 6.4
14 Paytm Payment Gateway Free planNoPaid fromnot statedPayment methodsCards, UPI, net banking, Paytm Bank Wallet, Paytm Postpaid, EMI, bank transfer and gift vouchersSupported currenciesnot statedRecurring paymentsYesMarketplace paymentsYesPayout countriesnot statedAPI and SDK coverageapi sdk plugins 5/8spec lines stated 6.4
15 Stripe ACH Direct Debit Free planNoPaid fromnot statedPayment methodsCards, wallets, bank debits, bank transfers, buy now pay later, local payment methods, and stablecoinsSupported currencies135Recurring paymentsYesMarketplace paymentsYesPayout countriesnot statedAPI and SDK coverageapi sdk plugins 6/8spec lines stated 6.4
16 Easebuzz Payment Gateway Free plannot statedPaid fromnot statedPayment methodsCards, UPI, wallets, net banking, EMI, BNPL; international options subject to approvalSupported currencies30Recurring paymentsYesMarketplace paymentsYesPayout countriesnot statedAPI and SDK coverageapi sdk plugins 5/8spec lines stated 6.3
17 2C2P Free plannot statedPaid fromnot statedPayment methodsCards, digital wallets, bank transfers, QR payments, over-the-counter payments, instalments, buy now pay laterSupported currenciesnot statedRecurring paymentsYesMarketplace paymentsYesPayout countriesnot statedAPI and SDK coverageapi sdk plugins 4/8spec lines stated 6.2
18 BlueSnap Free planNoPaid fromnot statedPayment methodsCards, Apple Pay, Google Pay, PayPal, ACH/ECP, BECS Direct Debit, Pre-Authorized Debit, SEPA Direct Debit, SplititSupported currencies100Recurring paymentsYesMarketplace paymentsYesPayout countriesnot statedAPI and SDK coverageapi + sdk 6/8spec lines stated 6.2
19 DOKU Free planNoPaid fromnot statedPayment methodsCards; bank transfer/virtual account; e-wallets; QR payments; convenience stores; PayLater; direct debit; digital banking; internet bankingSupported currencies2Recurring paymentsYesMarketplace paymentsYesPayout countries1API and SDK coverageapi sdk plugins 7/8spec lines stated 6.2
20 Global Payments Free planNoPaid fromnot statedPayment methodsCredit cards, debit cards, American Express, Discover, Mastercard, Visa, Apple Pay, Google Pay, EFT/ACH, eCheck, alternative and local payment methodsSupported currencies130Recurring paymentsYesMarketplace paymentsYesPayout countriesnot statedAPI and SDK coverageapi sdk plugins 6/8spec lines stated 6.2
21 MONEI Free planNoPaid fromnot statedPayment methodsCards, Click to Pay, Apple Pay, Google Pay, PayPal, Bancontact, Bizum, MB WAY, Multibanco, MONEI FlexSupported currencies9Recurring paymentsYesMarketplace paymentsYesPayout countries2API and SDK coverageapi sdk plugins 7/8spec lines stated 6.2
22 PAYMILL Free planNoPaid fromnot statedPayment methodsCredit cards, debit cards, SEPA direct debit, PayPalSupported currencies100Recurring paymentsYesMarketplace paymentsYesPayout countriesnot statedAPI and SDK coverageapi sdk plugins 6/8spec lines stated 6.2
23 Paystack Free plannot statedPaid fromnot statedPayment methodscards, bank accounts, bank transfers, USSD, Apple Pay, Google Pay, Visa QR, mobile money, POSSupported currencies6Recurring paymentsYesMarketplace paymentsYesPayout countriesnot statedAPI and SDK coverageapi sdk plugins 5/8spec lines stated 6.2
24 Xendit Free plannot statedPaid fromnot statedPayment methodsCards, virtual accounts, bank transfers, e-wallets, QR codes, direct debit, retail outlets, online installmentsSupported currenciesnot statedRecurring paymentsYesMarketplace paymentsYesPayout countries14API and SDK coverageapi sdk plugins 5/8spec lines stated 6.2
25 CCAvenue Free planNoPaid fromnot statedPayment methodsCredit cards; debit cards; net banking; UPI; prepaid instruments and wallets; bank EMI; mobile payments; cash cardsSupported currencies27Recurring paymentsYesMarketplace paymentsnot statedPayout countriesnot statedAPI and SDK coverageapi sdk plugins 5/8spec lines stated 6.1
Is your tool on this list?
Numbered spots on this list can be sponsored. They are labelled, and the editorial order and scores never change for payment.
Questions about this list
Which payment gateway is ranked first on Specifiction?
Mollie is ranked #1 of 62 with a score of 7.5. PayPal Invoicing is second and Instamojo third.
How many of these have a free plan?
6 of the 25 on this page publish a free plan on their own pricing pages.
Which is the cheapest paid option?
On this page, Mollie has the lowest first paid tier we found: €9/mo.
How is this list ranked?
Ranked on what each maker publishes, the fullest spec sheet first: how deeply the product is documented, the platforms it runs on, a free tier or trial to test it, and its standing. Paid placements never change a rank.
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