Comparative Review of the 10 Best Magento 2 Payment Gateways in 2022

Having a reliable Magento payment gateway is critical for Magento eCommerce store owners as they ensure seamless transactions for both companies and clients.

A smooth check-out process will enable you to provide an enjoyable customer experience as well as increase conversions and reduce cart abandonment.

eCommerce store owners are challenged to wisely choose among multiple Magento 2 payment gateways available on the market when looking for custom Magento development services for their future store. Read on to learn about:

  • What is a payment gateway in Magento 2
  • How Magento payment gateways work
  • 10 best payment methods in Magento to choose from for your online store

What is a Magento payment gateway?

A Magento 2 payment gateway is a service for processing Magento payments from bank cards. It connects the eCommerce business, the buyer, the payment system, and the bank that issued the buyer’s card. A payment gateway facilitates the smooth flow of transactions by encrypting sensitive data.

To put it short, a payment gateway is only responsible for allowing the customer to communicate with the payment processor — it transmits the buyer’s personal information through a secure channel to the payment system.

This is a great tool that helps make the buying process comfortable for the user and enables the seller to quickly get money into their account. And it also allows online store owners to expand the geography of their customers, thus increasing their sales.

How Magento 2 payment gateways work

The process of a transaction comprises a lot of tiny steps that are executed within seconds. To put it short, the process can be simply described as follows: The payment gateway takes payment information, encrypts it, and sends it through a secure channel to the payment processor that guides the customer through the steps to complete the payment.

The work of a payment gateway can be presented as a 4-stage flow:

  1. A customer initiates a purchase in the online store and goes to the payment page to enter bank card details (cardholder’s name, expiration date, and CVV).
  2. The payment gateway takes payment information, encrypts it, performs fraud screening, and sends it through a secure channel to the payment processor.
  3. The payment processor contacts the buyer’s card issuing bank and receives feedback — the transaction is either confirmed or rejected.
  4. The response (confirmation or rejection) is then sent to the payment gateway, which sends it to your eCommerce website.

In case of transaction confirmation, the money from the buyer’s account is transferred to the merchant’s account.

Top 10 Magento 2 payment gateways

Now that you know what a Magento 2 payment gateway is and how it works, let’s look at the 10 most popular options so you can make the right choice for your eCommerce store.

We’ll go through the following list:

  • Klarna
  • Adyen
  • Opayo
  • PayPal
  • Worldpay
  • 2CheckOut
  • Amazon Pay
  • Stripe
  • Net
  • Braintree


Klarna is an eCommerce payment solutions platform for online stores and shoppers based in Sweden. With this Magento payment method, consumers can choose how to pay and when. Currently, the company serves over 140 million active consumers in 45 countries. Over 2 million transactions are handled by Klarna every day. What’s important, Klarna complies with the PCI DSS (Payment Card Industry Data Security Standard) requirements.

Key capabilities

The Klarna payment gateway in Magento 2 offers four payment structures:

  • 4 installments allow shoppers to pay for their purchase in four interest-free installments every two weeks.
  • Pay in 30 days. Customers make no upfront payment when they make a purchase. They’ll have up to 30 days to pay without interest.
  • Flexible financing lets customers buy an item and pay for it within six to 36 months, with monthly installments.
  • Pay now ensures effortless Magento payments immediately and in full.


Ayden is another European payment gateway in Magento 2 that can boast more than 1,300 enterprise clients across 10 various currencies. The platform supports over 250 Magento payment methods for online store owners globally including bank transfers, cash cards, Alipay, Android Pay, UnionPay, Bancontact, etc.

One of the greatest benefits of Adyen is that it’s scalable so it can adapt to your eCommerce business needs. Also, integrating the platform with your website is a cinch as it offers all the necessary Magento payment processing features including PCI (Payment Card Industry) compliance and fraud management.

Key capabilities

Adyen offers:

  • Online payments
  • In-person payments
  • Unified Commerce (to connect your online and offline payments in one system)
  • Fraud protection
  • Smart, customer-friendly authentication
  • Revenue optimization
  • Card issuing


The Magento 2 SagePay gateway is now rebranded and called Opayo. It is a global leading platform that can boast of handling over 4 billion payments online yearly. Opayo is well-known for its reliability, unique payment solutions, and security. More than 50,000 online and in-store merchants use Opayo for secure transactions.

The service is PCI-compliant. With Magento Sage Pay (Opayo) integration, you can ensure a smooth, personalized, and secure checkout experience for your customers. Opayo accepts Magento payments in multiple currencies from debit and credit cards. eCommerce owners can easily manage transactions via its intuitive dashboard. SagePay Magento 2 also offers fraud risk analysis for all the transactions.

Key capabilities

  • Online payments
  • Face to Face Payments
  • Virtual Terminal and Telephone Payments
  • Online Invoicing


PayPal offers a PayPal Payflow Magento 2 payment gateway for merchants. PayPal has been one of the most popular top-tier Magento payment processing systems for a long time with a market share of 47%. It currently serves over 400 million active users around the globe.

The company is constantly working to improve the quality of services. They take robust measures that prevent chargebacks and fraud and help minimize customer complaints. PayPal also pays great attention to security and works hard to protect your customers’ personal and financial data.

Key capabilities

  • Over 100 currencies
  • A variety of payment methods in Magento including PayPal, Venmo (in the US), digital wallets, card payments, and BNPL (Buy Now Pay Later)
  • Fraud protection
  • Easy access to the world’s most popular local online Magento payment methods
  • Direct banking
  • Vouchers


Worldpay is the UK’s leading Magento payment gateway suitable for eCommerce businesses of all types and sizes. The platform supports payments in over 120 countries. More than 400,000 merchants from over 146 countries around the world enjoy Magento 2 Worldpay’s top-notch payment features. Each day 26 million transactions are processed by this gateway.

The service offers an online payments page you can link to your online shopping cart so that shoppers are sent to a secure Worldpay page where the system processes and authorizes their cards before sending those to your website.

Key capabilities

  • Online payments
  • In-person payments
  • Mobile payments
  • Recurring billing
  • Reporting
  • Fraud protection


2CheckOut is another out-of-the-box payment gateway in Magento 2 serving over 20,000 merchants globally in more than 180 countries. The platform supports payment processing in 130 billing currencies. 2CheckOut’s interface is localized in 33 languages. The gateway offers high-volume discounts for eCommerce businesses processing more than $50,000 a month. The service supports over 45 payment methods in Magento.

Merchants can store shopping carts the payment is processed for by using the 2CheckOut hosted page. This allows store owners to get some extra storage space to enable better order management. 2CheckOut is suitable for selling both digital and physical products.

The above-mentioned versatile payment solutions and the massive coverage make 2CheckOut one of the best Magento payment gateways.

Key capabilities

  • Fraud rules
  • Security standards (GDPR, PCI, SSAE 18, ISAE 3402, PCI DSS level 1, and BBB Accreditation)
  • Integration with over 120 popular online shopping carts
  • Reporting & analytics
  • Pay-outs in several currencies

Amazon Pay

Amazon Pay is another world-renowned Magento 2 payment gateway. It allows shoppers to pay for the goods through their Amazon accounts on participating websites. This feature helps merchants reduce checkout time and therefore increase sales. Amazon Pay accepts payments from both debit and credit cards including Discover, Visa, Diners Club, American Express, Mastercard, and JCB. By using Amazon Pay, you let your customers check out faster as they have all their billing and shipping information stored in their Amazon accounts.

Once you integrate Amazon Pay with your website, shoppers won’t have to leave it to complete a transaction with you. This provides convenience for your customers and adds to the overall purchase experience.

Key capabilities

  • Identity
  • Automatic payments
  • Inline checkout
  • Merchant website integration
  • Fraud protection


Stripe is a world-famous payment gateway in Magento 2. It’s considered one of the top competitors of PayPal with a market share of 17%. Stripe has long become one of the most trusted payment gateways. Millions of eCommerce businesses of all sizes globally use the platform to receive Magento payments and send payouts. It perfectly suits both online and in-person retailers, software platforms, subscriptions businesses, marketplaces, and a lot more.

Stripe supports over 135 currencies and Magento payment methods. The service accepts most US debit and credit cards and payment networks such as MasterCard, American Express, and Visa for international payments. Stripe also supports Apple Pay, Android Pay, Automated Clearing House (ACH) payments, 3-D Secure protocol, and Alipay.

Key capabilities

  • Fraud protection
  • Sending invoices
  • Issuing both virtual and physical cards
  • Getting financing
  • Managing business expenses


Authorize.Net is a Magento payment method that is a perfect match for small and mid-sized eCommerce businesses primarily. Nowadays the platform serves over 445,000 merchants and handles $149 billion in payments and over 1 billion transactions each year. The service is PCI DSS-compliant.

With Authorize.Net, shoppers can pay by credit card, Apple Pay, e-check, Visa Checkout, and PayPal. It also offers a free Advanced Fraud Detection Suite and other security measures such as CVV and address verification. Authorize.Net allows customers to save their credit card data to use it later with the Customer Information Manager (CIM) feature, which is very convenient for shoppers.

Key capabilities

  • Online payments
  • Mobile payments
  • eCheck payments
  • Virtual point of sale
  • Fraud protection
  • Recurring payments
  • Digital invoicing


Braintree is another gateway that’s flexible enough to suit small and large businesses operating globally as well. The platform supports the most popular credit card types, including JBC, Visa, Diner’s Club, MasterCard, Discover, and AMEX. Braintree allows online store owners to accept Magento payments in more than 130 currencies in over 45 countries worldwide.

The gateway has a plain interface that ensures a seamless checkout experience for shoppers on any website. It also integrates with the majority of eCommerce platforms, analytics apps, invoicing software, and more. Braintree supports all key credit cards, Automated Clearing House (ACH) payments, digital wallets, PayPal, and Venmo.

Key capabilities

  • Fraud detection
  • In-store payments
  • Reporting
  • Data encryption via the Braintree Vault
  • Recurring billing
  • Third-party integrations

Key considerations while choosing Magento 2 payment gateways

Selecting a suitable payment gateway for your eCommerce business will contribute to the overall customer checkout experience. There are key aspects to consider while choosing a Magento 2 payment gateway:

  • Explore how easily the chosen gateway can be integrated with your online store.
  • Ensure your customers’ personal information and transaction details are secure.
  • Magento transaction fees. Consider what Magento 2 payment fees are charged for payment processing.
  • Check what capabilities the gateway offers and whether they match your needs.

The Bottom Line

Ensuring a seamless checkout experience is crucial for any eCommerce business. And the choice of the right payment gateway will greatly impact this experience and make sure you do not lose your traffic, for example, from Magento SEO. The above-mentioned Magento 2 payment gateways are not the only ones available for Magento merchants but they are some of the most reliable and trusted. Choosing the right solution will depend on your specific eCommerce business needs and expectations. While making your decision, rely on the tips we provided above.


How does the payment gateway work?

The process of a transaction comprises a lot of tiny steps that are executed within seconds. To put it short, the process can be simply described as follows: the payment gateway takes payment information, encrypts it, and sends it through a secure channel to the payment processor that guides the customer through the steps to complete the payment.

What is a payment gateway?

A payment gateway is a service for processing payments from bank cards. It connects the eCommerce business, the buyer, the payment system, and the bank that issued the buyer’s card. A payment gateway facilitates the smooth flow of transactions by encrypting sensitive data.