Best Payment Gateways

As an business, big or small, there’s one  thing that has to work seamlessly and without fail, every time, and that is your payment processing system. That’s non-negotiable. But how do you determine which platform will be best for you?

There are many factors to take into consideration when selecting a payment gateway, such as price, ease of use, hidden fees (if any), technical integration and complexity, available reporting, etc... Another thing to weigh in the balance is your underlying platform technology. You may like a particular platform, but depending on who you chose to set up your website with, they may already have easy integrations with one vendor over another.




  BlueSnap PayPal Stripe

Best Fit

Cross-border ecommerce websites work great with BlueSnap thanks to its global checkout optimization with great payment conversions. 

For businesses that have to handle recurring or subscription billing, BlueSnap has an award winning platform for it.

Cross-border ecommerce websites work great with BlueSnap thanks to its global checkout optimization with great payment conversions.
For businesses that have to handle recurring or subscription billing, BlueSnap has an award winning platform for it.

Clients include small to medium businesses and large enterprises.

PayPal offers several payment gateway plans to fit from startups to power sellers needs.

PayPal may be best for smaller transactions since fees can add up quickly, the international fees also tend to be really expensive.

However it’s not always the right choice. PayPal has been known to easily freeze accounts for long periods of time with often vague reasoning such as if large amounts above your average are added into your account. We don’t recommend to limit your payment method to only PayPal, because as much as you may have clients that only use PayPal, you may have others that hate it.

Very good card processor for online only business.

It also fits well with companies that have developers that can build a custom online ecommerce website, since Stripe offers a free and simple API.

Very good choice for freelancers, they can get paid by credit card, so their clients will be charged immediately and the money will be received in two days.

Setup Cost

No setup, cancellation or annual renewal fees.

Most accounts don’t have a setup fee and some offer no monthly fees. Here’s the full breakdown

No setup fees.

Transaction Cost

2.7% +$.30/transaction for U.S. merchants; Less than 4% for merchants outside the U.S. (rate varies by country) + no monthly fee if above $2500/month

2.9% + $0.30/transaction.

Currency conversion fees may apply for overseas payments

2.9% + $0.30/transaction
+1% for international cards.
Non-Profit 2.2% + $0.30/transaction
ACH and Bitcoin 0.8% capped at $5.

Payment Methods

Debit and credit cards from Visa, MasterCard, Amex, Discover, JCB and Diners Club are accepted, as well as ewallets, Apple Pay, PayPal, Visa Checkout, MasterpassSepa Direct Debit, US ACH, Wires, Local Bank Transfers and many other alternative payments. See all.  

All major credit cards including Visa, MasterCard, Amex, Discover, JCB, Diner’s Club and EnRoute.

Visa, Mastercard, Discover, Amex, Apple Pay, Android Pay, AliPay, WeChat Pay, ACH credit transfer, ACH Direct Debit, and Bitcoin.


Has a world class fraud prevention solution built into the global payment processing. It has already integrated a fraud-fighting technology so no additional development or IT resources are necessary, everything is provided by BlueSnap.

Supports 3D-Secure - a secure protocol designed to ensure enhanced security and strong authentication for consumers when they use their debit or credit cards for online purchases

Stripe has a great feature called Stripe.js that automatically sends the customer information to Stripe without having to go through your server - this is important because your servers will be more secure since you don’t handle sensitive credit card data and are automatically PCI compliant.


Email, live chat and phone - offered every day of the week except Saturday
Mon - Thu 1AM - 9PM EST
Friday 2AM - 9PM EST
Sunday 1AM - 12PM EST

Email and phone - offered every day of the week, the hours of operation may vary depending on the day

Email and online form support with a returning call from customer service, no direct phone number to call.

Technical Skills Required

APIs may require a developer but are Rest-based so very easy to integrate. , BlueSnap also offer hosted checkout solutions which are pre-built payment pages and requires no technical skills.

No, since most ecommerce websites already have PayPal payments integrated, and if it’s not the case there is an HTML code you can paste to add it.

If you wanted to make use of the Stripe’s API you would need a developer to set up your custom online ecommerce website. If not you can always use an ecommerce platform.

If you want to make use of Stripe as a freelancer you don’t need any technical skills.

Implementation Time Required

The time varies depending on your main platform’s technology.

If you use hosted pages - little to no time.  

If you have APIs - you will require a developer and it can take up to a couple of days.

BlueSnap offers a wide range of integration partners for ecommerce platforms to make it even easier to integrate, these include: Shopify, BigCommerce, WooCommerce, Magento and many others.

Setting up a PayPal Payment Gateway is fast and easy considering that most ecommerce websites already have PayPal payments integrated in their platform. So all you need to do is create an account with PayPal and follow the instructions for your respective solution provider. The time will vary from one platform to another but it should be ready in not more than a couple of hours.

Easy to implement, but you need to have some developer experience.

However if you don’t have access to a developer you have the option to partner up with an ecommerce platform to build a store, but this option usually comes with additional costs.

Stripe also includes integrations in many ecommerce platforms.

However if you are using Stripe’s service as a freelancer you should be able to set up Stripe in less than an hour.

PayPal Compatibility

Supports PayPal payments for customers with no additional cost - the PayPal transactions are run by your PayPal contract, but the data will be integrated in your BlueSnap platform.


Stripe does not integrate with PayPal.


Company Size

51-200 employees

10,000 + employees

501-1,000 employees

Countries, Currencies and Languages

Available in 180 countries.

Offers translation in 29 languages.

Supports 100 different currencies with the most popular payment types from the specific region, up to 110 payment types.

BlueSnap has a global network of 20+ acquiring banks so merchants are boarded to the best bank for them and transactions are routed intelligently to get the best conversions.

Available in more than 200 countries. Offers translation of the local language in the most popular pages.

Supports 25 different currencies.

Available in 25 countries for companies, but accepts payments from anywhere in the world. Offers translation in 8 languages.

Supports 135+ currencies.

Top Features

  • Reporting Analytics - get critical ecommerce data to understand better your business and important insights.
  • Accepting PayPal has been shown to increase checkout conversion and boost sales.
  • Consolidate your existing gateways into a single solution and accept payments for all of your sales channels, including online & mobile checkout, subscriptions, invoice payments, marketplaces, and manual orders via virtual terminal
  • Get up to 44% higher online checkout conversion with PayPal.
  • PayPal Express Checkout - add PayPal to your existing web checkout offering a faster checkout to your customers.
  • Depending on the type of gateway you choose you can have  full customization on the checkout and even host the checkout on your website.

Stripe offers a variety of plugins for third-party software and integrations that will eliminate the need of a developer and will speed-up the setup process.


Learn More

Learn More Learn More




Sign up for CoFoundersLab updates

Join 250,000+ Entrepreneurs!

Leave a comment