The 8 Best WooCommerce Payment Gateways in 2025 

Sometimes, due to complex checkout processes, customers might get frustrated and abandon their carts. It also makes the entire process difficult and unexpected fee drives customers away. To solve this, you need a WooCommerce payment gateway that processes payments smoothly and secures all financial information involved within the transactions. 

Adding an effective payment method to your WooCommerce store is essential as it provides a better checkout experience and gives customers the flexibility to choose their preferred way to pay. This convenience not just makes them a regular customer of your store but also builds trust and optimizes their overall shopping experience. 

Well, you can think payment gateway as an essential tool for your store and customers’ bank accounts. It carries sensitive details, processes credit card payments, handles bank transfers, and upgrades your payment system for secure transactions. In this article, we have listed free payment gateways for WooCommerce stores that can speed up the entire payment process and make online purchases easier. 

Best Payment Gateways for WooCommerce 

Here are some factors that you can consider while selecting payment gateway for your WooCommerce store:

a. Compare Transaction Fee

As you know that each tool has its own payment structure, select the one that aligns with your business needs and earned revenue. A lower transaction fee is cost-effective if you receive a high volume of sales, while a higher-cost option may offer reliable features, advance security, but can be ideal for small businesses.

b. Understand Your Target Market 

If your store receives customers from around the world, then you must find out the payment option that supports multiple currencies and international transactions. This convenience will let your customers pay easily from anywhere without facing any kind of restrictions. 

c. Check Security Levels 

The most important factor is payment gateway’s security. A secure option protects customer information, builds trust, and maintains your store’s reputation for safety and reliability. Must keep in mind that the payment option should have PCI compliance standards for card information handling and built-in fraud protection features.

d. Ease of Setup 

Payment methods that offer fast integration can be helpful. You can simply set them up without any technical complexities and start accepting payments right away.

Top 08 Best Payment Methods for WoCommerce in 2025 

Here we have listed top best WooCommerce payment gateways that can help you optimize your checkout processes and provide customers various options to pay online without any extra steps or restrictions. 

1. WooCommerce Payments 

WooPayment is a built-in payment method that supports most of credit and debit cards. It also accepts local payments without deducting any additional fee. Moreover, it also has services for Google Pay and provides Buy Now Pay Later options across selected regions. 

This method is fully integrated with WordPress dashboard and doesn’t require you to switch between multiple platforms. You can simply manage multiple types of payments, refunds, and real-time transaction details.

Key Features 

• Easily manage all of your transactions, refunds, and payment insights directly from WooCommerce dashboard without navigating to any external platform.

• Accept multiple credit/debit cards, Apply Pay, Google Pay, and other local options. 

• Automatic payouts allow you to receive payments directly to your bank accounts.

• You can issue full or partial refunds from WooCommerce dashboard. 

• It has PCI compliance and a secure payment processing system.

Limitation: this payment gateway is restricted to specific countries, which means that if your store is running internationally, then you should look for some other options.

2. PayPal 

PayPal is one of the most used payment gateways. Millions of merchants and customers trust it for fast and quick transactions. When it is integrated with WooCommerce, it allows shop managers to accept payments from users worldwide using credit cards, debit cards, PayPal accounts, and even local methods. It doesn’t require any monthly or yearly fee. You can also qualify for lower transaction costs depending on your sales volume. This flexibility is provided when you earn more than $3,000 a month.

Key Features 

• You can request payments without logging into your PayPal accounts
• Customers can get the option to pay in complete or half installments without creating a PayPal account
• You can use One Touch to stay logged in to your account from any of your devices. It is automatically turned off after six months ( in case you stop using it).
• It protects shop managers from fraudulent activities and chargebacks through 24/7 monitoring, dispute resolution, and advanced fraud protection.
• Let’s you offer pay later options for specific countries.

Limitation: transaction fee outside US is quite costly. You can also face issues regarding account freezing or locking, which can disrupt the smooth operations of your business.

3. Stripe 

This WooCommerce payment gateway works on pay-as-you-go pricing model. It doesn’t require any extra changes for the setup. Using the tool, you can accept payments from major credit and debit cards, including local options. It also supports methods like Alipay, iDEAL, and SEPA direct 

debit. One of the biggest advantages of using Stripe is its flexibility. You can add multiple customizations using the tool and display a checkout experience that smooths down the entire payment process. From a single dashboard, admins can track sales, revenue, and detailed reports.

Key Features 

• Helps you add Buy Now Pay Later options using services like Klarna, Afterpay, and Affirm
• Stripe has extensive API’s allowing store owners to customize checkout just like they want
• You can handle international transactions easily and accept payments in multiple countries 
• It supports recurring payment bills and automated invoices, which is ideal for subscription-based businesses.
• It has built-in PCI compliance, which makes every transaction safe and secure. 

Limitation: Advanced features and customization options in Stripe require technical knowledge or developer support, which can be challenging for beginners.

4. Amazon Pay 

One of the best WooCommerce payment gateway options is Amazon Pay. It simplifies the checkout process by allowing customers to just use their address and payment information to complete it quickly. You can also improve the user experience by reducing the need for users to add payment details multiple times. It supports various transactions, including pre-orders and micropayments.

Key Features 

• Customers can easily pay using their existing Amazon accounts, which ultimately reduces friction and increases trust.

• It easily integrates with WooCommerce dashboard.

• The tool is optimized for multiple devices. Users can easily complete online payments from their smartphones, tablets, or desktops.

• Amazon uses robust security protocols, which reduce the risk of fraudulent activities. 

• Simplifies the checkout process, reduces cart abandonment rate, and improves customer convenience.

Limitation: The only challenge users face is that they must have an Amazon account to initiate payments. Some of the services and customizations are also limited.

5. Square 

Square is known as one of the best WooCommerce payment gateways. It can be used by multiple types of businesses, small, medium, or large. You can accept major credit cards, digital wallets, and even in-person payments using Square POS hardware. The tool has a mobile point-of-sale solution that supports various payment methods, including in-person and online transactions. Square’s international availability is not that much, yet its curated business plans make it the best payment gateway for restaurants, sites, and appointment-based businesses. 

Key Features 

• Keep all transactions in one place by accepting payments online, in-store, and on mobile devices. 
• You can reduce manual work by syncing products, inventory, and pricing between Squarere and WooCommerce store. 
• It supports Cash App Payments, Gift Cards, and wallets like Apple & Google Pay. 
• It offers PCI-compliant payment processing wth end-to-end encryption and zero additional fees.e 
• You can schedule deposits on custom days. 

Limitation: Most of the services of Square are only available in a limited number of countries, and some specific add-ons charge monthly fee based on location.

6. Klarna 

If you have a fashion store, then Klarna is the best WooCommerce payment gateway. It is well known for its Buy Now Pay Later feature that allows your customers to purchase items immediately and pay for them later. Klarna supports multiple payment methods and provides real-time risk assessment for fraud protection.

Key Features 

• Customers can select BNPL option and receive an invoice to pay after delivery. 
• It supports all credit/debit cards, Klarna account payments, and direct bank transfers.
• Secure payment processing protects both shop managers and customers from fraudulent transactions.
• Allow admins to add customized communications at multiple points of user’s shopping journey. 
• Customers can link their accounts with pre-set payment preferences.

Limitation: Klarna is not accessible worldwide, which might be a barrier for international transactions.

7. Apple Pay 

Apply Pay is a mobile payment system that uses NFC Technology and allows customers to make purchases quickly using their Apple devices ( like iphone, iPad, Apple Watch, and Mac). With a single touch like Face ID, Touch ID, or device passcodes, users can complete their payments without any friction. It also users encryption, which protects sensitive payment details and makes the tool a highly reliable option.

Key Features 

• You can split your payments into four installments over six weeks with zero additional fee or interest. 
• You can accept contactless payments by allowing customers just to enter a PIN, converting your iphone into a POS terminal.
• Apple Pay secure payment information by tokenization, which never shares the details like card numbers with merchants.
• It works with different types of payment gateways like Stripe, etc 
• Customers can select multiple credit/debit cards saved in their Apple Wallet.

Limitation: Apply Pay works only with Apple devices; non-Apple users can’t use this payment option.

8. Authtorize.Net 

Authorize.Net is another trusted and free WooCommerce payment gateway that allows merchants to process online payments securely. It supports multiple payment methods, including credit/debit cards, eChecks and digital payments. Admins can also manage detailed reporting, transaction details, and recurring billing features. The tool is known for its advanced security system and extensive customer support, which makes it popular among small and large businesses.

Key Features 

• You can accept multiple credit/debit cards, eChecks and digital payments. 
• You can easily manage subscription-based products with automated recurring payment options. 
• It is easily integrated with WooCommerce and provides a faster checkout experience. 
• You can generate sales reports and gather detailed insights.
• It has advanced fraud detection suite, which improves the overall transaction security.

Limitation: Authorize.Net requires technical knowledge for background setup and has monthly fee, which adds to the complex pricing structure, causing merchants to pay extra.

Conclusion 

So, these are some of the best WooCommerce payment gateways that you can use to add multiple secure and convenient payment options to your store. Each one of them comes with advanced features and benefits, so the right choice depends on your business needs and target audience. These gateways can help you optimize users’ checkout experience and reduce cart abandonment, improving the overall shopping experience.

FAQ’s 

Q1. Which payment gateway is best for WooCommerce?

The best payment gateway depends on your specific business needs and target audience. If your store operates worldwide, then using payment options like PayPal or Stripe can be the smartest choice as they support multiple currencies and international transactions. However, if you are looking for a method that fully integrates with your store, then WooCommerce Payments does the work.

Q2. Does WooCommerce have its own payment gateway?

Yes, WooCommerce has its own payment options known as WooCommerce Payments. It allows you to accept multiple credit/debit cards and manage refunds directly from the WooCommerce dashboard.

Q3. Which one of them is the best high-risk payment gateway?

All of them provide advanced security services, yet Authorize. Net stands out as one of the best payment options for high-risk admin accounts and businesses. It uses strong fraud detection tools and reliable chargeback management that helps you detect potential risk and spam.

Q4. Why is it important to choose the right payment gateway in WooCommerce?

Selecting the right payment gateway helps you secure transactions, improve checkout, and create a better user experience.