Payment Gateway Providers

Dec 27, 2023 | Gateway, Payments

There are many payment gateway providers to choose from with different benefits for every kind of merchant. Picking the right one for you is based on your industry, location, and the types of transactions in your business. Some payment gateway providers work with virtual terminals while others cater to brick-and-mortar stores. 

To find the best gateway for an online store, you’ll want to compare the options available to ecommerce businesses. On the other hand if you have a physical store location, you may want an interactive gateway that you can use with a credit card reader like Clover. In that case, a modern user-interface and plentiful payment features are essential.

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Top 5 Payment Gateway Providers 

These gateway providers are some of the most popular in the market. Each has multiple features and different tiers of pricing. 


  1. SGX – The most modern gateway in the market. Feature-rich, customizable.
  2. Square – Provides top-of-the-line terminals for store locations.
  3. Stripe – Useful for ecommerce stores and safely transacts with a 3D payment gateway.
  4. PayPal – One of the first gateways to enter the world of online payments.
  5. – Populare for high risk merchants.

Payment Gateway Pricing

SGX Pricing

  • SGX pricing is customizable and based on the merchant processing volume. Some businesses can get discounted rates based on their payment history and risk level. 

Square Pricing

  • 2.6% – 3.5%  – Ecommerce and in-person transactions will be cheaper than manual or card-on-file entry
  • $0.10 – $0.30 – Lower rates for ecommerce and reaching up to thirty cents for invoice transactions

Stripe Pricing

  • 2.9% + $0.30 per transaction
  • .8% ACH Direct Debit with a $5 maximum

PayPal Pricing

  • $30 per month and 2.9% + $0.30 per transaction

PayPal Payment Gateway Pricing

  • $25 per month
  • $0.10 per transaction
  • $0.10 daily batch fee Gateway Pricing

  • $25 per month
  • $0.10 per transaction
  • $0.10 daily batch fee
Square Pricing

Finding the Best Payment Gateway


The best payment gateway for you is based on a number of factors. One of them is your risk level. If you’re running a high risk business like an online Adult-themed website, many payment gateway providers will not allow you to sign up.

Alternatively, they may quickly approve usage then drop your account. If you’re looking for a high risk payment gateway SGX is your go-to. They have fewer regulations and can work with you to get your gateway and merchant account running. 


Low Cost Payment Processing


If pricing is your main pain point, then you should consider negotiating lower fees. Many merchants don’t know that gateway fees can be adjusted.

If you are processing more than $50K per month in sales volume, you have the opportunity to drastically reduce the costs with your payment processing. Be sure to speak with your gateway provider about the opportunity to save money.