Most Popular Ecommerce Payment Solutions for Small Businesses

There is no business if you don’t have a solid payment solution system built into your ecommerce site. Selling online depends on being able to accept money online, having options that are easy to use for your customers, and easy for you to implement and manage on the backend.

There are a few things that are really important to get right when it comes to processing payments. Number one is security. That includes encryption methods, fraud protection, and chargeback policies. When you choose your payment gateway, make sure security is a major consideration.

Another important aspect of choosing the right payment gateway is convenience. To improve your relationship (and brand loyalty) with your customers, make it easy for them to pay you. That may mean including multiple options that would appeal to your diverse customer base.

Last, but not least, you want a payment solution that is easy to install on your ecommerce site, integrate with your existing platforms, and manage the analytics on the backend. 

Choosing the right payment gateways for your specific business needs can be a daunting task upfront, however once you make the right choice, it will be a once-and-done task. We provide you our best recommendations in this list.

PayPal is the most well known one on this list, and for good reason. They have established themselves early on in the market as a reliable, reputable payment gateway for millions of businesses across the world.

The PayPal brand logo has come to indicate security and ease of use for customers. This can be especially helpful for brand new businesses or startup companies.

An additional advantage of using PayPal is that along with PayPal payments and PayPal Credit, you can also accept credit cards, debit cards, and Venmo.

Stripe has quickly risen in the payment gateway industry as one of the top payment methods because of its flexibility and versatility. Stripe is convenient to implement for ecommerce shops and small business marketplaces.

A popular feature of Stripe is to be able to set up recurring payments, such as on membership sites, or subscription services. They also provide a Stripe UI toolkit which allows you to customize your checkout process.

Stripe accepts all major credit cards and debit cards from international markets, as well as integrate with other payment options such as Apple Pay or Google Pay. With the variety of options that Stripe offers, you can’t go wrong with making it available as a convenience to your customers.

Square is a great choice for businesses that have brick and mortar locations as well as online retail stores, making it flexible for accepting payments with either option. Square Online Checkout is their ecommerce gateway where you can create a payment link for your customers. They go through a simple checkout process to complete their transaction.

Square integrates well with several ecommerce partners such as WooCommerce, OpenCart, Drupal Commerce, Magento, and many others, making it an easy choice if you already have an ecommerce platform.

They accept all major credit and debit cards, as well as Apple Pay and Google Pay.

Since iPhones are the leading mobile phone providers, constituting over 50% of the market, it would serve you well to include Apple Pay for your mobile customers. It is a digital wallet payment solution provided by Apple that allows your iOS customers to make purchases via iOS apps and online.

An undeniable advantage to using Apple Pay is that it’s a one-click purchase, bypassing filling out forms and credit cards and billing addresses. One a customer sets up their profile on Apple Pay, they can make their cashless purchases instantly, with no additional transaction fees.

One disadvantage to Apple Pay is that it is only supported on Apple products and platforms such as iPhone, iPad, Apple Watch and Safari browser.

Similar to Apple Pay, this is another digital wallet service provided by Google for ecommerce sites and mobile apps. Once a customer sets up their digital wallet profile on Google Pay, they can have it integrated with their bank accounts, credit and debit cards so that they can make cashless purchases instantly.

Google Pay is Google’s service to non-iOS users, made available via Android phones, tablets and watches. It is a secure payment method that reduces merchant risk and exposure to fraud, by incorporating tap-to-pay authorized purchases.

In addition, it helps that Google Pay is easy to integrate with your ecommerce platform, as well as any other payment methods you might already be using, such as Stripe, Square and Shopify.

Exclusive to Amazon customers, Amazon Pay offers an online processing service if you have an Amazon merchant account. With millions of active customers across the world, your customers likely already have an Amazon account as well, making it a flexible option to offer on your site.

Amazon Pay allows you (and your customers) to use the payment methods that they already set up with their Amazon profile, so that they can make purchases of goods and services on third party websites as well.

Amazon Pay is a reliable international payment platform that allows merchants and small businesses to sell their products across the world with secure and risk-free checkout options.

Helcim is a great service to consider, especially if you have specialized online stores, like food shops or restaurants. They make it easy for you to manage pickups and deliveries. The Helcim payment pages are easy to add to your site, and customize to your brand.

If you don’t already have an ecommerce site, Helcim also offers a fully customizable platform to create your online store that can be integrated with your brand details. Alternatively, Helcim can be integrated with other third-party payment systems, such as Drupal and Magento.

An additional advantage using Helcim is that they also provide POS (point-of-sale) hardware for brick and mortar retailers.

Want to be added to this list? Click here to bring up our submission form. We will be in touch shortly with feedback.

This post may contain links. If you click through and make a purchase, I’ll earn a commission, at no additional cost to you. Read my full disclosure here: "Affiliate Marketing Disclosure"

Related Articles


  1. Paypal is a great payment solution and most sites and online businesses accept it and use it. They do have their problems (like any other platform) like their support is lacking and is hard to reach and there are sometimes delays in payments. But, they seem to be a trustworthy company that you can count on in most cases.

    1. I heard a lot of horror stories about people losing money or having money blocked because of errors by Paypal, so I’m not very sure about them. Haven’t yet used it myself and I will probably have to in the near future, so I guess I will be able to form a personal opinion when I use it. Stripe is something I do use and it works well. Unfortunately this system is not so widely known or used so trying Paypal is a must I feel.

      1. Have used a few of them: Apple Pay, Square, Paypal and Helcim. All are good, some are better for particular needs or platforms but overall Paypal seems to be a bit better or let’s say it can be used in more cases.

        1. Yeah, I will give Paypal a fighting chance. It’s just that I heard several stories from disappointed people that had to deal with serious problems because of Paypal. I know that there isn’t a tool or platform out there that is perfect, I just want to use something I can rely on and something where I can get help if I need it.