Best 5 Payment Gateways for Digital Business (2021)

Best Payment Gateways for Digital Business

Are you planning to establish an e-commerce platform?

Then, you must know about payment gateways and the necessity to provide a foolproof system for secure transactions. Online fraud has also risen with the increased popularity of digital transactions. Having a safe system in place will boost the confidence in customers, in turn augmenting the growth of your business. 

 Payment gateways act as the interface between the customer and the business. A meticulously designed systematic payment option has always been the mainstay of the e-commerce industry. It should have certain important features to make it acceptable for the public to turn them into potential clients.

In this digital world where you can reach the sea of potential customers faster, sell round the clock, remotely operate a business anywhere in the world, and much more. A payment gateway is a powerful way to ensure hassle-free payments and to reassure the visitors of your e-commerce store about your trustworthiness.

The payment gateway is an e-commerce service that allows merchants to accept all forms of Internet transactions securely via your website. We should keep in mind, if the payment methods on the e-commerce website aren’t set up in the proper manner, we could suffer the loss of the potential customer. This means you’ll experience a significant drop in sales, because of unsatisfied customers.

The factors that make a payment gateway preferable are:

 Safety – It should effectively prevent loss of data, ensure the security of the transaction, and maintain confidentiality. It should have systems in place to prevent hackers from gaining access to customer data. 

Speed – The transaction should not take too much time, testing the patience of the customer. Otherwise, you are going to miss the customer. Moreover, negative publicity can affect your business adversely. In a nutshell, it should not start buffering once the customer chooses a payment gateway and clicks proceed. The next window must open without much delay.  

Seamless – The connectivity must be seamless. It should not happen that the connection is lost in between. Neither should technical glitches hamper the online transaction.

Reputation – Each payment gateway has acquired a reputation through constant performance over a period. Choose the right payment gateway for your business that has been perming consistently. Further, the popularity of payment gateways may defer depending on the region. Many factors including customer perception and user experience matter in this regard. 

Not all the payment gateways Work in the same manner, Selecting the proper one is a difficult task. Below are a few factors you should consider choosing the right payment gateway 

  • Find out the transition fees associated with a payment gateway is within your budget.
  • Ensure a smooth checkout experience without signing up.
  • Make sure payment gateway comes with multi-currency support for international business
  • Identify that there is no limitation to the type of goods you can sell.
  • Check out whether your payment gateway accepts credit card, debit card, and PayPal payments.

The following is a list of the best payment gateways that can aid your e-commerce business, depending on your requirements.

  • Google Pay
  • Paypal
  • Citrus Pay
  • CCavenue



Google Pay


Google Pay (earlier, Google Wallet) – Previously known as Google Wallet, is one of the most popular payment gateways across the globe. The identity of Google has been pivotal in augmenting the popularity of this payment gateway. The reliability, trust and dependability associated with Google products could be expected from Google Pay too. However, this payment gateway faces tough competition from other payment gateways, which are also equally good. 




This one of the most widely used payment gateways in the world. This American payment gateway provider is the easiest to use, easy to integrate in addition it is ready to start receiving and sending payments online worldwide, even in several currencies. PayPal is a natural choice for most e-commerce businesses that have a large number of international customers.


Citrus Pay


Citrus pay uses encrypted data transmitted through secured lines assuring you safe financial transactions. You can use this payment gateway for crediting and debiting money from and to your bank accounts. Citrus enjoys a wide user base of above 800 million clients. They have instituted measures to prevent any kind of illegal or unauthorized transactions. Thus, making sure that their clients feel safe while transacting through Citrus Pay.




CCAvenue gained publicity as one of the best payment gateways through their judiciously formulated operation methodology. They undertake to test the payment gateway on a daily basis and implement necessary measures to preclude any unfortunate errors or flaws in the performance. CCAvenue offers transactions in 27 currencies across the world and is known to be one of the most preferred payment gateways. Multilingual check out is another aspect that distinguishes CCAvenue from others. You can transact in 18 languages, which include both Indian and international languages.


This payment gateway began operations in 1996. The US-based gateway obtained instant reach through the innovative transaction capabilities it had introduced. Presently, this payment gateway is the subsidiary of Visa. Thus, strengthening its base in the financial world with the support of the credit card service giant.  

Of course, there are many other reputed and well-established payment gateways as well. The list of popular gateways includes PayPal Payments Pro, Stripe, Amazon Payments, 2Checkout, Razorpay, PayTM, PhonePe, and Instamojo. You can provide multiple payment gateway options in your e-commerce platform. Thereby, offering the customer to choose their preferred gateways.

It happens that the customer is accustomed to a particular type of payment or familiar with a specific payment gateway. Making it difficult for him or her to choose a new payment gateway. Eventually leading to loss of business for you. Provide a plethora of options, to make sure that no customer leaves due to lack of availability of the payment gateway of his or her choice. Be wise enough to think from the client’s point of view (POV) and introduce the necessary changes and improvements.   

Choosing a payment gateway that fits the requirements of every online business is difficult. Online Reputation Management and Brand Management choose the payment gateway that will work best with your company. Take time to do the research consider factors such as technology, user experience, innovation, security. See from the aspect of the customer with all your needs in mind.