Digital payment solutions are essential tools for online businesses because they provide security and trust to transactions and, consequently, to customers. They operate as virtual POS terminals, authorizing credit card payments from web or mobile applications.
To help you find the most suitable solution to implement in your business, we have created a list of 13 tools that we consider the finest on the market based on evaluations from 58 industry experts (among them, the sponsored options from Marketing4eCommerce partners are highlighted with a star ⭐). This vertical is part of our Ecommtech Guide 2025, which you can download completely free of charge.
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These are the 15 best payment solutions for eCommerce:
Bizum is a joint initiative that forms part of collaborative and digital innovation projects by the Spanish banking sector. By using Bizum, banks can broaden their range of services for customers. With Bizum, users are able to carry out instant transactions and register or identify themselves in online businesses conveniently, quickly, and securely.
Based on SEPA instant transfers and digital identification via mobile devices, it has more than 29 million users, 90,000 associated businesses, and 12,500 donation codes. It provides payment services between individuals, in eCommerce, donations, and in-person payments and collections in more than 11,000 State Lottery and Gambling establishments.
The combined market share of banking brands offering Bizum to their customers already exceeds 99%, and Bizum continues to work on the addition of new users and additional use cases.
Paycomet is an omnichannel, secure, flexible, and easy-to-integrate payment platform, designed to adapt to the continuously evolving needs of digital businesses.
It allows acceptance of the most widely used payment methods in sectors such as eCommerce, travel, subscriptions, marketplaces, or in-person sales, with tailored solutions for every business model. Its catalog includes Virtual POS, PAY by Link, tokenization, alternative payment methods, and advanced functionalities focused on conversion and automation. It offers proprietary technical support and a team of payment and digital business experts to accompany each client throughout the implementation and growth process.
Since 2018, it has been part of the Banco Sabadell Group, providing financial solidity and scalability. Thousands of businesses across Europe trust Paycomet to optimize collections, enhance customer experience, and efficiently manage payments across all channels.
Lyra is a global reference in digital payments, boasting over 22 years of experience. It was launched as a white-label platform for banks and, following its success, evolved into its own brand, offering solutions for all types of clients. Currently, its technology is used by 49.2% of online stores and 33% of physical payments in France.
The company stands out for its commitment to security, innovation, and adaptability, factors that have propelled its presence across more than 50 countries.
In Spain, Lyra has transformed the payment experience with advanced technological solutions. Lyra integrates more than 150 payment methods, both domestic and international.
It has PCI-DSS Level 1 certification and accreditations from EMVCO, Visa, Mastercard, and AMEX, ensuring high standards of security and reliability in its services.
Stripe is one of the most preferred payment gateways for merchants worldwide due to its strong reputation and competitive fees. It works with millions of companies from virtually every sector in over 100 countries. Stripe handles payments internationally and offers multiple local payment options. It features an easily implemented and highly adaptable API, which facilitates the creation of various products, such as subscription services, on-demand marketplaces, online stores, or crowdfunding platforms.
Paypal is the most widely used payment platform in global eCommerce, with over 425 million users who are able to carry out transactions in more than 100 currencies contactlessly and pay in up to 3 interest-free installments.
Aside from being quick and easy to use, PayPal can be linked to cards and bank accounts, integrated with multiple platforms, and used to manage all transactions from a single PayPal account.
It is highly secure and provides a money-back guarantee.
Redsys is a payment platform that facilitates secure transactions among merchants, banks, and customers. It offers a payment gateway for eCommerce, support for bank cards and Bizum, as well as solutions for physical and virtual POS terminals.
It stands out for its high availability, security, and adaptability, including functionalities such as recurring payments, tokenization, and anti-fraud measures. It allows for payment management across multiple channels and currencies, and can be easily integrated with various platforms and banks.
This tool enables payment in any location and via any device thanks to its extensive integration options with its APIs for online payments. It features proprietary technology that allows you to use it with leading CMS platforms, create an interface, redirect your customer to another channel, or embed a payment user interface directly into your website or app.
Thanks to its “unified commerce” vision, Adyen provides an optimal cross-platform experience managed from a single location and offers a loyalty program through which you may add up to 89 payment methods for entering new markets.
This Dutch tool supports more than 40 local and international payment methods. It integrates with the most popular eCommerce platforms, such as Adobe Commerce, WooCommerce, PrestaShop, and Shopify, as well as with smaller platforms like Craft Commerce or Lightspeed. It also provides an API that enables you to integrate online payments into your business as you prefer. You can adjust and easily personalize it to your liking.
It offers the option to create embedded forms and hosted secure payment pages, which you can aesthetically adapt to your brand’s values and elements.
Currently, the company has offices in the Netherlands, Spain, and Germany.
Inespay is an Online Transfer payment solution, the new way to pay via bank transfer in eCommerce.
Based on payment initiation services regulated by PSD2, this service redirects payers, whether individuals or companies, to their bank’s website or app to authorize a bank transfer in three simple steps:
All this takes place without manual data entry or sharing sensitive information with third parties. The issuing bank confirms the irrevocable payment in real time, allowing instant reconciliation and immediate order processing. This method offers a smooth, secure, and fully integrated checkout experience, promoting a high conversion rate, especially for high-value transactions.
Shopify Payments is a payment solution integrated into the Shopify platform, designed to streamline payment processing in online stores. It enables acceptance of payments with credit and debit cards, as well as alternative methods such as Apple Pay, Google Pay, Shop Pay, and local payment options depending on the country.
It connects directly with your store, removing the need for an external payment processor. It provides tools for managing order payments, processing refunds, viewing transaction reports, and verifying the status of payments directly from the admin panel. In addition, transaction fees are lower if this option is used instead of other providers.
Simplr is a financial management tool focused on simplifying accounting operations and business decision-making. It offers functionalities such as automated bank reconciliation, cash flow management, detailed financial reporting, and integration with various banking and accounting platforms.
This solution is designed to assist small and medium-sized enterprises in optimizing cash flow and improving financial visibility, facilitating accurate cash forecasting and payment and collection management.
Some of the functionalities offered include:
Launched in 2007 and with over 300 million users worldwide, Amazon Pay features its own payment gateway—similar to PayPal’s—which can be integrated with popular eCommerce solutions such as Adobe Commerce (Magento), Prestashop, Woocommerce, or Shopify.
Customers may pay via the web, using a mobile device, or with Alexa Skills, selecting from various transaction types: immediate charge, deferred payment, recurring payment, simultaneous purchases, and refunds. In addition, every purchase is protected by the Amazon Pay A-to-Z Guarantee, which ensures the product’s condition and timely delivery.
This tool stands out for the simplicity of its integrations and the security of its transactions. Customers may pay using credit card, direct debit, electronic wallet, or digital wallet, in installments or with bitcoins, and your business will receive the funds within 24 hours.
It integrates with any online store or website and allows for tokenization (a process that safeguards sensitive data by replacing it with tokens).
Worldpay is a global payment processing platform that helps businesses—from SMEs to large corporations and marketplaces—receive, send, and manage payments securely, efficiently, and across multiple channels (online, in-person, embedded).
Its most notable features include:
ZRU is an online payment aggregation and orchestration platform that assists businesses in managing their payment flows from a single dashboard. Previously known as MyChoice2Pay, it allows payment methods to be added with a single click, so every business can tailor its offering to its needs and provide customers with their preferred payment options (Redsys, GooglePay, ApplePay, PayPal, Bizum, Stripe, Adyen, Klarna, etc.).
Zru provides functionalities such as orchestration among processors, payment page customization, link payment, or IVR. This allows businesses to enhance the payment experience for their customers.
Its API is simple to integrate and can also be used via plugins for leading CMSs (WooCommerce, Prestashop, etc.), or even without any integration, just through payment links or QR codes. ZRU is a strong payment partner globally, supporting the growth of eCommerce businesses, startups, marketplaces, and established companies with complex payment flows.
Although we focused only on those chosen by our expert panel as the best, we would also like to mention other good options available on the market that may suit your needs: Addon Payments, Braintree, Checkout.com, Hipay, Kevin, Kushki, Mangopay, MyPOS, Neopay, Neteller, Paylands, PayRetailers, Payxpert, Redsys, Shift 4 (formerly SecurionPay), Simplify, Sipay, Sprinque, Storeden, Swipe, and UniversalPay.
From another perspective, payment solutions are eCommerce services that verify and accept (or, when appropriate, reject) the transfer of funds between buyers and sellers through a variety of payment methods, such as bank transfer or credit card payment. These should not be confused with wallets (like Apple Pay or Google Pay), which are limited to facilitating payments between individuals or companies.
They are important because, in addition to providing an excellent payment experience for customers, they can help significantly reduce fraud with credit cards within eCommerce. In particular, payment solutions act as intermediaries that guarantee customer data is encrypted and secure.
Photo: ChatGPT and Canva.
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