Top 6 Best Payment Gateway for Magento 2

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Jade Updated: March 01, 2023


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The efficiency level of running an e-commerce store can be measured by how customers are satisfied with the support they get during their customer journey. And a smooth check-out manipulation will surely guarantee customers an enjoyable experience in the very last step of this process. A superior check-out experience should come down with a proper payment gateway to make final transactions seamless for both companies and clients. In fact, some survey analytics have proven the utmost importance of payment types in determining customers’ final purchase decisions.

What challenges e-commerce store owners is to wisely select the optimal payment gateway integration for their stores out of a wide variety of alternatives on the market. Thorough consideration from different angles and aspects is highly recommended to help stores opt for the best Magento 2 payment gateways among other multiple options.

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Table of Content

What is a payment gateway?

An e-commerce payment gateway can be simply understood as a merchant service allowing credit card payment in an online store’s existing software. It helps process transactions directly from e-commerce businesses or online stores to the payment processor who later receives money from the customers. The payment gateway can be provided by the bank to its customers, but the certified financial service providers can also supply it as a separate service.

With a payment gateway, customers can easily submit their credit card data with security validation. And this financial information can be transferred between the merchants’ payment portal and the acquiring bank.

How does the payment gateway work?

eCommerce payment gateway functions in a closed process that prioritizes customer data privacy and transfer authentication.

The process starts with the customers’ desired purchase selection and order confirmation by submitting their credit card data on the final checkout page. Once the submission click is finished, the Magento payment gateway will automatically receive the transaction information and encode payment details.

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These payment details will then be delivered to the payment processor. The transaction is then directed to the issuing bank to request transaction authentication. Whether the request is approved or declined by the issuing bank (depending on the margins in the customer’s bank account), a response will be sent back to the payment processor. And once the customers receive the response, the transaction processing cycle is completed.

After the bank sends the money through the payment gateway, the payment gateway will send the money to the merchant account. It can be sent in a few minutes or as long as 21 working days depending on the functioning payment gateway.

How to evaluate a payment gateway?

Choosing the right payment gateway for the e-Commerce business greatly contributes to the overall success of Magento stores in bringing customers an optimal checkout experience. The selected payment gateway - in order to optimize its core functions - must be qualified and adaptive to the business’ strategic directions and goals. It should fulfill the fundamental requirements for security features, convenience, capabilities, and cost. More specifically, businesses should take these four factors into account when choosing a proper payment gateway for their Magento store:

  • Security - Refers to how well the payment and transaction details or customers’ personal data are protected. Payment fraud must be strictly prevented as well.

  • Convenience - Refers to how easy it is to integrate for functionality.

  • Capabilities - Solving queries of what types of payments are accepted or what the other offered options are.

  • Cost - Consider what types of fees are charged in payment processing or if these fees are made to pay monthly.

There are other things to keep in mind when setting up a payment gateway integration for Magento online stores. First, the selected payment gateway must adjust business size as the applied Magento platform will witness a constant business growth. The Magento platform has two different editions - enterprise and community editions. While the Magento community is limited for small or start-up e-Commerce businesses, Magento enterprise is broadened to the range of both small and developed businesses. Therefore, it’s a wise decision to choose a Magento payment processor that can back up for both editions, as the majority of Magento payment gateways do not reach the enterprise edition.

Moreover, to keep customers engaged, stores should provide common credit cards that their customers use to make purchases. Customers would appreciate if more various payment options are given to enable them more alternatives. In this case, an application of a diversity of payment gateways will be the best solution for Magento stores.

Top 6 Best payment gateways for Magento 2



When it comes to secure payment, PayPal is an irreplaceable top-pick solution for both clients and store owners. Its reputation in the market has been undoubtedly proven by gaining trust from over 218 million customers and 17 million merchants.

This method appeals to users for several reasons. PayPal offers free registration to PayPal accounts and free download of the PayPal app. The PayPal accounts allow direct connection with the bank accounts, enabling customers to pay for their online purchases from any devices without using credit cards. The financial security factors are prioritized for customers in the checkout step since sellers will only receive the PayPal account number, not a bank account or credit card number. With PayPal, buyers can also make purchases from different currencies without worrying about currency converting.

The fees associated with this payment gateway are 2.9 percent + 0.30 USD per authorization.


Another big name from the payment gateway competition that can compete with PayPal is Stripe. Stripe, a payment company in Australia launched in 2011, has been delivering optimal payment services that support over multi-currency from more than 100 different countries without having to set up separate merchant facilities.

The gateway offers several outstanding features to gain its deserving position in the market. One of the major benefits is the availability to stay on-site, other than being directed to different sites, during payment. Especially, there are surprisingly no extra fees charged in Stripe integration, from monthly fees, set up fees, minimum charges or card storage fees - everything is made easy and prior to users. Magento business stores only have to pay the associated rates of 2.9 percent + 0.30 USD per authorization for this extension.

This fully-integrated worldwide platform has brought a new level of payment convenience, from easy recurring and subscription payments setup, easy rebill on customers without storing credit card information, charges pro-rata availability to the seamless checkout experience. For these reasons, the Magento 2 Stripe extension is the number one recommendation by Mageplaza for global Magento 2 sellers and merchants to integrate into their e-commerce stores.


Stripe Payment Extension for Magento 2

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CartaSi provides great payment services financial or institutional companies and e-Commerce stores in the Italian market. CartaSi has earned a leading position in electronic money, with 2 billion transactions and a total of 13 million credit cards in circulation. Over 17 million of Italian customers have been persuaded to make regular online products and services through CartaSi.

The integration of CartaSi payment to Magento 2 stores offers unlimited benefits to both store administrators and customers. One of the biggest advantages, along with refund availability or data and chargebacks minimizing 3D Secure feature, the extension especially focuses on the qualification of CartaSi payment based on order amount’s conditions: store admins can set up the minimum and maximum numbers of orders restricted for customers, and once the total of orders have reached the required limitation, a new CatarSi payment method will be suggested and displayed. Businesses running the Italian market should evaluate the importance of CartaSi to consider integrating the CartaSi payment extension - which is optimally available in Mageplaza - to their Magento stores.


SagePay works alongside with merchant accounts to give an optimal payment gateway service. What distinguishes this extension from others in the same market is the priorities in payment security and fraud reduction. It’s gaining recognition by all major banks and credit card companies with its highest level of card data security - PCI DSS Level 1 compliance which properly protects transactions against fraud. Especially, the Sagepay payment extension on Magento 2 provides additional security layers such as AVS, CVC, 3D Secure authentication.

Besides, SagePay has been designed with Credit Card Vault which stores customers’ credit cards as a type of token. The saved token system not only helps protect customer information’s privacy, but customers can also enjoy a much faster purchase process since they only have to select the integrated token which takes fewer steps to conduct. As customers’ purchase process accelerates, stores can get the money sooner as well.

Specifically, with Magento 2 SagePay extension, stores are offered with the customizable payment processes and interface by selecting these 3 integration options: SagePay Direct, SagePay Form and SagePay Server. This feature allows more opportunities for stores to properly select a suitable integration method for implementation.


Sage Pay Extension for Magento 2

Secure Sage Pay cards with token systems Learn more



WorldPay is one of the most well-known merchant service providers. So far, it has supported over 400,000 merchants over 146 global countries and is estimated to make about 26 million transactions per day. These figures are contributed thanks to the outstanding features that WorldPay has optimized to offer.

For customers, WorldPay introduces more ways to pay through the Virtual Terminal and the pay per link features. Customers no longer need to leave the site to make a payment; they can just add their card details on the WorldPay hosted payment page or others that are integrated with WorldPay payment extension. The details will later be sent to the payment gateway where the payment process is under authorization.

Besides customers, merchants can also benefit from WorldPay integration. This payment gateway is adaptive to any business sizes and shapes in equipping with optimal manager tool to help businesses keep track of transaction information as well as insights and key reports. In addition, merchants don’t even have to worry about security since WorldPay is here to offer an upgraded fraud protection system.

Especially, Magento 2 stores can enjoy many other prominent payment features when integrating a Magento 2 WorldPay payment extension to their stores, such as WorldPay eWallets payment, Worldpay local card schemes payment, Worldpay vault for card saving and admin order


2Checkout has gained trust from over 50,000 merchants all over the world and accepts a diversity of payment methods and currencies to ease customers’ checkout process. This payment gateway comes with over 300 fraud rules, with its service getting recognized with several standards such as PCI DSS level 1, GDPR, BBB Accreditation, ISAE 3402 and SSAE 18, Privacy Shield to ensure high security.

For the Magento 2 2Checkout payment, stores are supported with the storing of shopping carts paid via 2Checkout on the 2Checkout hosted page, providing store owners an extra storage space to manage 2Checkout orders better.

The rate per transaction with this cart various based on where the business is located and a high-volume discount are offered for businesses that process more than 50,000 USD a month. A business in the United States is charged at the same rate as the other payment gateways, 2.9 percent + 0.30 USD per transaction.


2Checkout Extension for Magento 2

Premier global payment gateway with diverse payment methods and currencies Learn more


EBizCharge is one of the most robust payment gateways available for B2B and B2C merchants using Magento. They provide you with an all-in-one payment platform, including a merchant account, payment gateway, payment integrations, payment collection tools, and more.

The EBizCharge payment platform allows you to integrate Magento payments with your accounting software to eliminate double data entry. It offers natively built integrations to over 100 leading ERPs, accounting software, eCommerce platforms, and CRMs, so even if your business scales, EBizCharge will keep up with your growing system.

On top of functionality, EBizCharge offers advanced security methods including tokenization & encryption, off-site data storage, customizable fraud modules, and PCI-compliance.

Pricing is typically customized based on the exact needs of your business, but expect to save a good amount of money each month.

Final Words

Online payment has been a great advancement in digital trading, making checkout easier than ever. The application of an ultimate payment gateway can help accelerate the checkout and money transferring process between merchants and their customers. Magento 2 stores should consider integrating a Magento payment gateway extension to enjoy a full-package payment gateway’s feature list as well as the extra features only Magento extensions offer.


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Jade is a content creator, book lover, and a hodophile. She loves to learn skills and practical knowledge to excel at marketing, especially content marketing.

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