In the continually evolving realm of eCommerce, the careful choice of a payment gateway holds paramount importance to facilitate a smooth and seamless online shopping experience. Renowned as Magento in the past, Adobe Commerce stands as a prominent player among eCommerce platforms, providing a resilient foundation for online businesses. The pivotal role of selecting an optimal payment gateway for Adobe Commerce cannot be overstated. This decision is vital not only for improving the efficiency of the checkout process but also for ensuring the security of transactions. Opting for the best-suited payment gateway is imperative, as it contributes significantly to refining the overall online shopping journey, reinforcing confidence for both businesses and customers in the digital marketplace.
In this blog, we will explore the top 7 payment gateways for Adobe Commerce in 2024.
Let’s start by discussing-
What is a Payment Gateway?
A payment gateway is a pivotal component in the realm of eCommerce, serving as a secure conduit that facilitates online transactions between merchants and customers. It acts as the intermediary responsible for transmitting sensitive financial information securely, encrypting data to prevent unauthorised access during the online purchase process. Essentially, a payment gateway enables the seamless flow of information between the customer, the merchant’s website, and the financial institutions involved. This integral system ensures the legitimacy of transactions, allowing for the authorisation and processing of payments through various methods, such as credit cards or digital wallets. The overarching goal of a payment gateway is to guarantee a secure, efficient, and reliable mechanism for the electronic transfer of funds in the dynamic landscape of online commerce.
How Does a Payment Gateway Work?
A payment gateway functions by securely authorising a transaction through 4 steps as follows:
- Step 1: A customer chooses the item they wish to buy and makes an order by entering their credit card information on the checkout page. The transactional data is transmitted to your payment gateway in an encrypted state.
- Step 2: The payment gateway gets the order and uses a digital certificate to verify the store’s authenticity—a sort of your online shop ID. When a customer selects a payment method, the payment gateway sends the information to either the acquiring bank (for Magento credit card) or a merchant account (for other types of payments).
- Step 3: The issuing bank or credit card like Mastercard, VISA, Maestro, or American Express authenticates the transaction to decide whether to accept or deny the transaction (based on the costs available on the customer’s bank account).
- Step 4: The bank transfers money to the payment gateway, which redirects the processed payment to the merchant account. Depending on the payment gateway, the funds may show on a merchant account within a few minutes or a few working days.
Related Post: What are the Benefits of Using Adobe Commerce in an eCommerce Website?
Significance of a Payment Gateway
- Secure Transactions: The primary significance of a payment gateway lies in its role as a secure conduit for online transactions, encrypting sensitive financial information to prevent unauthorised access and ensuring the confidentiality of data.
- Trust Building: By offering a secure environment for financial transactions, a payment gateway helps build trust between businesses and customers. This trust is essential for fostering long-term relationships and encouraging repeat transactions.
- Diverse Payment Options: Payment gateways enable businesses to accept a variety of payment methods, including credit cards, debit cards, and digital wallets. This flexibility caters to diverse customer preferences, enhancing the overall convenience of the online shopping experience.
- User-Friendly Checkout Process: Implementing a reliable payment gateway contributes to a seamless and user-friendly checkout process. This efficiency is crucial in preventing cart abandonment and improving customer satisfaction.
- Fraud Prevention: Payment gateways often come equipped with security features that help in the detection and prevention of fraudulent transactions. This capability safeguards businesses from financial losses and maintains the integrity of the online payment ecosystem.
- Automation of Financial Processes: For merchants, a payment gateway streamlines the authorisation and processing of payments, reducing manual intervention and allowing for the automation of financial processes. This efficiency is particularly beneficial for businesses focusing on core operations.
- Enhanced Customer Satisfaction: Overall, a well-integrated payment gateway contributes to enhanced customer satisfaction by providing a secure, diverse, and user-friendly payment experience. Satisfied customers are more likely to return for future transactions and recommend the business to others.

Top 7 Payment Gateways for Adobe Commerce in 2024
1. PayPal: PayPal stands as a widely trusted payment gateway provider, serving over 435 million merchants and customers globally. Renowned for its reliability, user-friendly interface, and robust security measures, PayPal operates in more than 200 countries, offering seamless currency conversion to ensure customer confidence in their transactions.
Key Features
- Acceptance of Various Magento Payment Methods: PayPal supports a wide array of payment methods, including debit and credit cards such as Mastercard, American Express, Visa, Discover, UnionPay, JCB, and Diners Club. It also accommodates prepaid debit or gift cards, digital wallets like Google Pay, Apple Pay, and Samsung Pay, and other methods like buy-now-pay-later, ACH fund transfers, phone-based credit card payments, in-person payments, and Venmo (specifically for the U.S. market).
- Free Registration for PayPal Accounts: PayPal offers free registration for user accounts, facilitating a straightforward onboarding process for customers.
- Linking PayPal Accounts with Bank Accounts: Customers can connect their PayPal accounts with their bank accounts, enabling them to make online payments from any device without the need for credit cards.
- Secure Financial Transactions: PayPal ensures strong financial security during the checkout process. Sellers only receive customers’ PayPal account numbers, safeguarding sensitive information like bank account or credit card numbers.
- Online Invoicing Support: Merchants can swiftly create invoices using PayPal, streamlining the invoicing process for online transactions.
Fee Structure
As a payment gateway integrated with Magento 2, PayPal applies varying rates for different domestic and international markets. Detailed information on PayPal pricing can be found on their official platform for transparency and clarity regarding transaction fees.
2. Stripe: Stripe stands out as one of the premier payment gateways for Magento, boasting a global presence in 25 countries. This platform offers unparalleled flexibility, allowing businesses to tailor the gateway to their specific size and requirements. With Stripe’s fully integrated suite of payment products, merchants can seamlessly accept payments and facilitate global payouts, supporting over 135 currencies.
Key Features
- Versatile Payment Acceptance: Stripe supports the acceptance of popular credit and debit cards, digital eWallets, ACH debit and credit transfers, wire transfers, as well as buy now, pay later options like Klarna and Afterpay.
- Diverse Payment Scenarios: The platform caters to both online and in-person payments, including transactions for subscription companies, marketplaces, and software platforms. Additionally, merchants can send invoices, issue physical and virtual cards, reduce checkout frictions, and manage business spending and financing.
- Developer-Friendly Design: Tailored for developers, Stripe offers libraries, no-code options, pre-built integrations, and customisation capabilities to enhance ease of use and integration.
- Recurring and Subscription Payments: Businesses can effortlessly set up recurring and subscription payments, rebill customers without storing credit card information, and enable pro-rata charges for enhanced flexibility.
- On-Site Payment Experience: Stripe allows customers to complete payments on-site without redirection to external websites, providing a seamless and uninterrupted user experience.
- Fraud Prevention with PCI Compliance: To ensure security, Stripe adheres to PCI compliance standards, offering robust fraud prevention measures for peace of mind.
Fee Structure
For Magento retailers, Stripe adopts a transparent fee structure, charging only transaction rates of 2.9% + 30 cents per successful card charge. Notably, Stripe’s Magento 2 payment gateway incurs no setup or monthly fees, providing a cost-effective solution for businesses of varying sizes.
3. Authorize.net: Authorize.net stands as a well-known and reputable name among the top payment gateways for Magento, catering specifically to the needs of small and medium-sized enterprises. Recognised for providing a secure and cost-effective payment service, it offers a diverse range of payment options for both online and offline transactions, ensuring flexibility for customers to make purchases according to their preferences.
Key Features
- Comprehensive Online Payments: Authorize.net supports a variety of online payment methods, including debit cards, credit cards, eChecks, Apple Pay, and PayPal, providing a comprehensive array of choices for customers.
- Virtual Point of Sale (VPOS): Businesses can accept in-person payments with credit cards through the Virtual Point of Sale (VPOS) feature, offering versatility in payment acceptance.
- Mobile and Phone Payments: The platform supports mobile payments, enabling transactions through mobile devices, and phone payments can be conveniently processed using the Virtual Terminal for quick and secure order submissions.
- Billing Subscriptions and Preferences: Authorize.net allows businesses to set up billing subscriptions, empowering customers to choose their payment preferences, thereby enhancing customer loyalty.
- eCheck Payments: Ideal for bill payments, recurring transactions, and contactless payments, Authorize.net facilitates the acceptance of electronic check payments for orders conducted via emails, phones, eCommerce sites, or subscriptions.
- Custom Digital Invoicing: Merchants can create custom digital invoices and send them via email, providing a tailored invoicing solution for their customers.
- Authorize.net Customer Information Manager (CIM): CIM allows customers to securely save credit card data for future use, enhancing convenience and streamlining the payment process.
- Built-in Fraud Detection Tool: Authorize.net incorporates a built-in fraud detection tool, aiding in the identification of suspicious transactions and IP addresses for enhanced security.
Fee Structure
Authorize.net offers two packages for the Magento payment gateway, each accompanied by a monthly gate fee of $25:
All-in-one Payment Option: Includes a merchant account with a fee of 2.9% + 30 cents per transaction.
Gateway-only Option: Excludes a merchant account, with a fee of 10 cents per transaction + 10 cents daily batch fee, offering flexibility for businesses based on their specific requirements.
4. Braintree: Braintree, powered by PayPal, offers a versatile payment solution suitable for businesses of all sizes, ranging from small-scale stores to large enterprises. With a global presence spanning 44 countries and supporting 130+ currencies, Braintree is renowned for its user-friendly interface, ensuring a seamless checkout experience that prioritises safety and encourages customer loyalty.
Key Features
- Payment Acceptance Variety: Braintree allows businesses to accept major credit cards, digital wallets, and local payment methods, mirroring the diverse payment options available through PayPal.
- Built-in PayPal Integration: Seamlessly integrated with PayPal, Braintree ensures a smooth and efficient payment process for customers using this popular digital payment platform.
- Security Measures: Boasting secure data storage and robust fraud protection, Braintree prioritises the safety of transactional data, instilling confidence in both businesses and customers.
- Customer Payment Data Management: Customers can conveniently store their payment data with Braintree, offering the flexibility to add or delete account payment information according to their preferences.
- Marketplace Solution: Braintree Marketplace provides a dedicated solution for marketplaces, efficiently managing a vast product category and catering to the unique needs of businesses operating in this model.
- Recurring Billing and Subscriptions Support: Recognising the evolving needs of businesses, Braintree supports recurring billing and subscription services, offering flexibility in payment structures.
Fee Structure
- For Cards and Digital Wallets: 2.59% + 49 cents per transaction.
- For PayPal and PayPal Credit: The pricing for these services aligns with the existing PayPal fee structure.
- For Venmo: 3.49% + 49 cents per transaction.
- For ACH Direct Debit: 0.75% per transaction.
Braintree’s transparent fee structure ensures clarity for businesses, making it a reliable and cost-effective choice for handling various payment scenarios.
5. 2Checkout: 2Checkout, now Verifone, emerges as a top-tier Magento payment gateway tailored for international eCommerce sellers seeking a global reach. With support for 45+ payment methods and transactions in 130+ currencies, 2Checkout empowers merchants, from small businesses to enterprises, to navigate the intricacies of digital commerce and expand their customer base effectively.
Key Features
- 2Checkout Monetisation Platform: The modular design of the 2Checkout Monetisation Platform adapts to diverse business needs, encompassing digital commerce, global payments, subscription billing, risk management and compliance, global tax and financial services, and partner sales.
- 2Sell: Safe and Seamless Payment Processing:
- Expand market reach to over 200+ countries and territories.
- Swift integration with over 120 shopping carts.
- Localisation of the buying experience to cater to global customers.
- 2Subscribe: Effortless Subscription Management:
- Simplified subscription management, accepting various payment methods.
- Churn reduction and customer retention strategies.
- Automated monthly subscription billing.
- Compilation of comprehensive transaction history reports.
- 2Monetise: All-in-One Solution for Digital Product Sales
- Optimisation of the buying experience for digital product sales.
Fee Structure
2Checkout offers three plans for its Magento 2 payment fee, each with distinct transaction fees:
- 2Sell Transaction Fee: 3.5% + 35 cents per successful sale.
- 2Subscribe Transaction Fee: 4.5% + 45 cents per successful sale.
- 2Monetise Transaction Fee: 6.0% + 60 cents per successful sale.
These transparent fee structures empower businesses with flexibility, providing a scalable solution based on their specific requirements and objectives.
6. Adyen: Adyen is a leading global payment platform that provides businesses with a comprehensive solution for handling payments, both online and in-store. Renowned for its versatility and reliability, Adyen simplifies the complex landscape of payment processing, offering a range of features that cater to the diverse needs of merchants across the globe.
Key Features of Adyen
- Unified Payment Solution: Adyen offers a unified platform that consolidates various payment methods, allowing businesses to accept payments seamlessly across channels – be it online, in-store, or via mobile devices.
- Global Reach: With Adyen, businesses can effortlessly expand their reach internationally. The platform supports a vast array of currencies and payment methods, enabling merchants to connect with customers on a global scale.
- Omni-channel Capabilities: Adyen facilitates a true omni-channel experience by integrating online and offline payments. This ensures a consistent and convenient payment journey for customers, whether they are shopping on a website, in a physical store, or using a mobile app.
- Risk Management: Adyen incorporates advanced risk management tools to detect and prevent fraudulent activities. The platform employs state-of-the-art technology to analyse transactions in real-time, enhancing security and protecting merchants and customers alike.
- Subscription Billing: For businesses with subscription-based models, Adyen simplifies billing processes. It supports recurring payments and subscription management, providing flexibility for businesses offering subscription services.
- Data Insights: Adyen provides valuable insights into transaction data. Merchants can leverage these analytics to gain a deeper understanding of customer behaviour, optimise their strategies, and make informed decisions to drive business growth.
- Customisable Checkout: The platform allows businesses to create a tailored and branded checkout experience. This customisation helps in reinforcing brand identity and providing a seamless payment process for customers.
Fee Structure
Adyen’s fee structure is transparent and varies based on factors such as transaction volume, payment methods used, and the geographical location of the business. The fees typically include a combination of a fixed transaction fee and a percentage of the transaction amount. Adyen aims to offer competitive pricing to accommodate businesses of all sizes and types.
7. eWay: eWay is a reputable payment gateway that enables businesses to accept online payments securely and efficiently. Known for its user-friendly interface and robust features, eWay caters to a wide range of businesses seeking a reliable solution for processing electronic transactions.
Key Features of eWay
- Secure Payment Processing: eWay prioritises the security of online transactions. It employs industry-standard security protocols, including SSL encryption, to safeguard sensitive customer information and ensure secure payment processing.
- Versatile Payment Options: eWay supports a variety of payment methods, allowing businesses to accept payments through credit and debit cards, as well as alternative payment options. This versatility ensures that customers can choose the payment method that suits them best.
- Mobile Payments: With the growing trend of mobile commerce, eWay facilitates seamless mobile payments. The platform is optimised for mobile devices, providing a smooth and responsive payment experience for customers using smartphones or tablets.
- Recurring Billing: Businesses offering subscription-based services benefit from eWay’s recurring billing feature. This functionality automates the billing process for subscriptions, making it convenient for both merchants and customers.
- Fraud Prevention Tools: eWay incorporates tools and measures to detect and prevent fraudulent activities. These features contribute to a secure environment for online transactions, instilling confidence in both merchants and customers.
- Responsive Customer Support: eWay is known for its responsive customer support team. Merchants can access assistance and guidance to resolve issues, ensuring a smooth payment processing experience.
- Integration Capabilities: eWay seamlessly integrates with various e-commerce platforms, content management systems, and shopping carts. This compatibility makes it easy for businesses to incorporate eWay into their existing systems without major disruptions.
Fee Structure
eWay’s fee structure can vary based on the specific plan chosen and the nature of the business. The fees typically include a combination of a setup fee, transaction fees (comprising a fixed amount and a percentage of the transaction value), and potentially a monthly subscription fee.
Wrapping Up,
Selecting the right payment gateway for Adobe Commerce is a critical decision that directly impacts the success of an online store. The top 7 payment gateways mentioned above offer a range of features to meet the diverse needs of merchants and customers alike. Whether prioritising security, global reach, or versatility, these payment solutions for Adobe Commerce are sure to enhance the overall eCommerce experience in 2024. Choose wisely, and pave the way for seamless and secure online transactions.
Or, if you need assistance in making the right choice, contact us at 18th DigiTech today!