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3 Best Payment Gateways for Small Business

6 Mins read

Growing. A huge part of any small business’s lifecycle. Choosing a payment gateway for your small business is the same as picking up the grow-with-me pants for the child. In an attempt at simplicity, some payment systems may risk becoming barebones solutions that could struggle if your small business scales. 

In this article, we will explore the 3 best online payment gateways for small businesses that can grow together with your small business and ensure your customers’ data security. 

Note: if you are looking for the best mobile payment gateway, check out our previous article on Mobile Payments Gateway Integration.

How we evaluated best payment gateways for small business 

1. Grow-with-me principle

Is the payment gateway flexible enough to scale as your business grows? 

2. Pricing

Does it require the setup and monthly fees? What about the transaction fee?

3. Supported payment methods

Will your customers have a good checkout experience and? If so, they will be back!

4. Customer service

If something goes wrong, will you get help instantly? 

5. Security standards

Will your customers trust your business? Can you ensure that their card data is in safe hands?

6. Integration simplicity

How much effort will you need to put into the payment gateway integration?

3 Best Payment Gateways for Small Business in 2021

Here’s our rate of the best payment gateways for small business: 

1. Stripe: most customizable payment gateway

Founded in 2010, Stripe’s initial purpose was to provide a simple way for start-ups to accept online payments with just a few lines of code. Since then, it has developed a range of products that make it easier for start-ups and small companies to do business online. Now, it’s being used by small local businesses as well as the world’s leading brands including Amazon, Uber,, Deliveroo, NBC, Just Eat, and Google. Whenever you are building a custom solution for your small business or integrating with an e-commerce platform, Stripe offers different kinds of scalable solutions for both online and in-person payments. 

Stripe overview 


Stipe doesn’t require any setup or monthly fees but the transaction fee is 2.9% + 30 cents per transaction. 

Supported payment methods 

Apart from various types of credit cards, Stripe supports lots of payment methods: 

Apple Pay
Bacs Direct Debit
BECS Direct Debit
Click to Pay
Google Pay
Microsoft Pay
SEPA Direct Debit
WeChat Pay

Here’s a full list of the payment methods supported by Stripe. 

Why is it crucial that your payment gateway provider supports many payment methods even if your business is small? There are several reasons why: reaching global customers, increasing conversion rates, and assuring a good customer experience. Read more about how to select the right payment methods for your business in Stripe’s blog. 

Customer service

24/7. Through email, phone, or chat. Other than that, Stripe also has a support service that addresses the most common issues associated with Stripe integration or any other user’s questions and needs. 


You should be able to validate your PCI compliance to use Stripe. The easiest way for you to be PCI compliant is to not have access to your customers’ card data at all. Stripe does all security heavy lifting to protect your customers’ credit card information. 

Read Stripe’s security integration guide for more info. 


Stripe has a “developer-first” approach. It started as a payment system that could be integrated just with a few lines of code and continues to follow this principle. What’s more, Stripe supports more than 660 third-party integrations across marketing, sales, finance, operations, and e-commerce. 


✅ No setup and monthly fees. 2.9% + 30 cents per transaction.❌ Requires technical expertise and resources for the right integration and customization.
✅ Easy integrating within a custom solution or an existing e-commerce platform, making it the best payment gateway for small e-commerce businesses.❌ In-person transactions lack features and reliability. 
✅ Supports various payment methods.

2. PayPal: top payment gateway for small business

PayPal is among the world’s best payment gateway for recurring payments small business with more than 20 years on the market. PayPal offers a wide range of products that your small business can benefit from:

PayPal Checkout: a one-and-done payment solution that lets your business accept a range of payment types. It automatically offers your customers the most relevant payment options – whether it’s PayPal, Venmo, PayPal Credit, major credit or debit cards, or a local payment method.

PayPal Payments Standard: a good payment integration solution if you want to implement it yourself. Adding payment buttons to your site takes little more than copying and pasting a few lines of HTML code – no developer help required.

PayPal Payments Pro is great for those who want to accept credit and debit cards, PayPal, and PayPal Credit, but need more customization options. It allows you to create a unique checkout process that’s best for your customers. Payments Pro is the best payment gateway option for small businesses that are scaling and growing. For this reason, you will most likely need a professional development service. 

PayPal Here: allows you to set on-the-go or in-store payments. It turns the smartphone or a tablet into a portable payment center. 

PayPal overview 


PayPal is free to set up. It charges 2.9% + 30 cents for online payments and 2.7% for in-person payments.

Supported payment methods 

If you choose PayPal as a payment gateway provider for your small business, your customers will be able to use such payment methods:

  • PayPal
  • Venmo
  • ApplePay
  • AndroidPay
  • Bitcoin

Customer service

Phone: Monday-Friday, 5 a.m – 8 p.m PT. Saturday-Sunday, 6 a.m. – 6 p.m PT. 

Customer service is also accessible through live chat or email. 


PayPal is one of the safest payment gateways. It automatically encrypts all transactions using secure sockets layer (SSL) protocol technology with 128-bit encryption. 


We’ve talked a little bit about PayPal integration above. It all depends on the solution you are going to use. PayPal Payments Standard can be easily integrated without a professional developer, while PayPal Payments Pro needs customization.


✅ No setup and monthly fees. 2.9% + 30 cents per transaction❌ Limited in-person payment options
✅ Fast and easy setup, making it the best payment gateway for small business website❌ Inexplicably frozen funds
✅ Most trusted payment gateway. 

3. Authorize.Net: most trusted payment gateway by small businesses

Authorize.Net is now a wholly-owned subsidiary of Visa. It makes it the best payment gateway for small online business in terms of security. It offers many customization options that make you good to grow and scale together with your payment gateway. Today, Authorize.Net is the payment platform most trusted by small businesses. 

Authorize.Net overview 


Authorize.Net charges $25 monthly and 2.9% + 30 cents per transaction.

Supported payment methods 

American Express
Visa SRC
Apple Pay
Chase Pay

Customer service

Authorize.Net offers 24/7 customer support through phone, email, or live chat. 


Authorize.Net is well known as one of the most secure solutions on the market. It has simplified PCI DSS compliance that allows all businesses to keep their customers’ vulnerable data secure. The 99.99% uptime of Visa’s infrastructure helps keep businesses running with minimal downtime. 


As a pure payment gateway solution, Authorize.Net can be integrated with many popular e-commerce platforms (for example, Shopify, WooCommerce, and BigCommerce) as well as custom applications. You can find API references and developer guides here


✅ High security❌ $25 monthly fee
✅. Easy to set up and use❌ Limited reporting and in-person payment features

Final Thoughts

Choosing a payment gateway requires “customer-first” thinking. If you are not sure what payment gateway would be best for both your customers and your growing business, don’t forget to ask yourself the following questions:

  • Is the payment gateway flexible enough to scale as my business grows? 
  • Is the pricing model good for my type of business?
  • Will my customers have enough payment options based on their location and online payment preferences?
  • Will I get support anytime I need it?
  • How much effort will I need to put into the payment gateway integration? Will I need a software development partner? 

If you are hesitating about what payment gateway to choose and what development resources you might need, you can talk to our KindGeek expert to help you out. 

Our Payment Gateway integration stories

At KindGeek, we believe in the customer-first approach, especially when it comes to such things as payment gateways. 

Your users’ checkout experience is what makes them come back (or not!). For this reason, we include a discovery phase in each mobile payment gateway integration project to learn more about the customers’ needs and choose the best payment gateway provider. 

Here are the stats of our payment gateway integration projects

One of our PayPal integration customers, Lehrermarktplatz has recently got $25 million of investments. Lehrermarktplatz started as a small e-commerce store for learning resources and grew into a huge e-learning marketplace. Part of this growth was because together we selected a scalable and flexible payment gateway that was suitable for customers. 

Read the story of our cooperation with Lehrermarktplatz here.

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