Your payment gateway decides who can pay you, how fast the money reaches your bank and how much of every sale you keep. Pick the wrong one and you lose buyers at the very last step of checkout.
WooCommerce doesn’t process cards on its own. You add a payment gateway through an extension, and the right choice depends on where you sell, what you sell and how your customers like to pay.
In this 2026 guide, we compare the 8 best WooCommerce payment gateways, with their current fees, supported countries, strengths and weaknesses, so you can choose the right one quickly.
About the fees: Every rate in this article is the standard US online card rate at the time of writing (Nov 2026), unless the gateway only serves another region. Gateways change their pricing and offer custom rates at high volume, so always confirm on the official pricing page we link for each one.
WooCommerce Payment Gateway Fees Compared (2026)
| Gateway | Standard online card fee | Extra costs to know | Best for |
|---|---|---|---|
| WooPayments | 2.9% + $0.30 | +1.5% international cards, +1% currency conversion | All-in-one payments inside your Woo dashboard |
| Stripe | 2.9% + $0.30 | +1.5% international cards, +1% currency conversion | Global stores and the widest choice of payment methods |
| PayPal Payments | 3.49% + $0.49 (PayPal Checkout); 2.89% + fixed fee (advanced card processing) | +1.5% international transactions | Shoppers who prefer PayPal, Venmo or Pay Later |
| Square | 2.9% + $0.30 (Online API) | +1.5% cards issued outside your country | Stores that also sell in person |
| Authorize.net | 2.9% + $0.30 (All-in-One plan) | $25/month gateway fee; extension $79/year | Established US businesses |
| Amazon Pay | 2.9% + $0.30 | 3.9% + $0.30 for non-US payment methods | Shoppers who already have an Amazon account |
| Mollie | 1.80% + €0.25 (EEA consumer cards) | 3.25% + €0.25 for non-EEA cards | Stores selling in Europe and the UK |
| Razorpay | 2% (cards, UPI, net banking, wallets in India) | Up to 3% international cards; 18% GST on the fee | Stores based in India |
The 8 Best WooCommerce Payment Gateways in 2026
We picked these gateways for payment-method choice, WooCommerce integration, security, country coverage and fair pricing. Each one has an actively maintained official extension in 2026.
1. WooPayments
WooPayments is WooCommerce’s own payment gateway, built and supported by Woo. You manage payments, payouts, refunds and disputes right from your WooCommerce dashboard, so there’s no jumping between tools.
It accepts major credit and debit cards, Apple Pay, Google Pay and local methods like iDEAL, Bancontact, EPS and P24. Where available, you can also switch on buy now, pay later options such as Klarna, Afterpay and Affirm.
Key Features
- Built-in Multi-Currency: Sell in 135+ currencies without an extra plugin.
- In-Person Payments: Take payments with Tap to Pay on iPhone and Android, or a card reader, through the Woo mobile app.
- No Monthly Fees: No setup or monthly fees for online payments. You only pay per transaction.
Disadvantages
- Limited Countries: Available to merchants in 38 countries, so much of Asia, Africa and Latin America isn’t covered.
- Subscriptions Cost Extra: Recurring payments need the separate WooCommerce Subscriptions extension.
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Fee per Transaction: 2.9% + $0.30 for US cards (+1.5% international cards, +1% currency conversion) Dispute Fee: $15, refunded if you win Currencies: 135+ Regions: 38 countries Source: Official WooPayments fees |
2. Stripe
Stripe for WooCommerce is the official Stripe extension, built by Stripe itself, with 700K+ active installs. It connects your store to a Stripe account in a few clicks.
Its biggest strength is choice. Depending on your country, one checkout can show cards, Apple Pay, Google Pay, Link, Klarna, Afterpay/Clearpay, Affirm and local methods like iDEAL, SEPA Direct Debit, Bancontact, Boleto, OXXO and Cash App Pay.
Key Features
- Adaptive Pricing: Shows prices in the shopper’s local currency across 150+ countries.
- Stripe Radar: Screens payments for fraud using machine learning.
- Subscriptions: Works with WooCommerce Subscriptions for recurring payments.
Disadvantages
- Cross-Border Costs Add Up: International cards (+1.5%) and currency conversion (+1%) raise the cost of selling abroad.
- Mixed Reviews: The extension is rated 3.7/5 on WooCommerce.com, so test your checkout after every update.
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Fee per Transaction: 2.9% + $0.30 for US domestic cards (+1.5% international cards, +1% currency conversion, +0.5% manually entered cards) Currencies: 135+ Regions: See Stripe’s supported countries Source: Official Stripe pricing |
3. PayPal Payments
PayPal Payments for WooCommerce is PayPal’s official extension. It adds PayPal buttons, Venmo, Pay Later and card payments to your checkout, plus Fastlane by PayPal, which autofills guest checkout details.
Customers in 200+ markets can pay with PayPal, and many shoppers trust it more than typing card details into a store they don’t know yet. It also supports local methods such as iDEAL, Bancontact and Blik.
Key Features
- Pay Later: Let customers spread the cost. Available in the US, UK, Australia, France, Germany, Italy and Spain.
- Venmo: Accept Venmo payments from US customers.
- Fastlane: Speeds up guest checkout by autofilling saved details.
Disadvantages
- Higher Wallet Fees: PayPal Checkout costs 3.49% + $0.49 in the US, more than most card gateways. Pay Later costs 4.99% + a fixed fee.
- International Surcharge: Cross-border payments add 1.5% on top of the domestic rate.
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PayPal Checkout: 3.49% + $0.49 Advanced Card Processing: 2.89% + fixed fee Pay Later: 4.99% + fixed fee International: +1.5% Reach: 200+ markets, 130+ currencies Source: Official PayPal merchant fees |
4. Square
Square for WooCommerce, built by Woo, is the best pick if you also sell in a shop, café or market stall. It keeps product names, prices and stock levels in sync between WooCommerce and your Square POS, so you don’t oversell.
Customers can pay with cards, Apple Pay, Google Pay, Cash App Pay and Afterpay. Merchants in the US, Canada, the UK, Australia, Japan, France, Ireland and Spain can use it.
Key Features
- Inventory Sync: Catalog, stock, orders and customer data sync automatically.
- Shared Discounts: Square discount codes work at WooCommerce checkout.
- One Account: Online and in-person sales land in the same Square dashboard.
Disadvantages
- Only 8 Countries: Not an option if your business is based elsewhere.
- Sync Hiccups: Some recent reviews report inventory sync problems and disconnects, so check your stock after updates.
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Online API: 2.9% + $0.30 on all plans Square Online Checkout & Invoices: 3.3% + $0.30 on Square Free, 2.9% + $0.30 on Plus and Premium In-Person: From 2.4% + $0.15 (Premium) to 2.6% + $0.15 (Free) Cards Issued Abroad: +1.5% Source: Official Square fees (check your exact rate in Square Dashboard) |
5. Authorize.net
Authorize.net, a Visa solution, is a long-standing gateway for established businesses. The WooCommerce extension, made by SkyVerge, supports cards, eChecks from US bank accounts, saved payment methods, WooCommerce Subscriptions and Pre-Orders.
You can use the All-in-One plan (gateway plus merchant account) or connect the Gateway Only plan to a merchant account you already have.
Key Features
- Saved Payment Methods: Customers can store unlimited cards and bank accounts in their account.
- eCheck Payments: Accept payments from US bank accounts (eCheck plan required).
- Order-Screen Control: Refund, void and capture payments from the WooCommerce order screen.
Disadvantages
- Fixed Costs: A $25 monthly gateway fee plus $79/year for the extension makes it pricey for small stores.
- Narrower Reach: The extension supports merchants in the US, Canada, Australia and New Zealand.
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All-in-One: $25/month + 2.9% + $0.30 per transaction Gateway Only: $25/month + $0.10 per transaction + $0.10 daily batch fee eCheck: 0.75% per transaction (US businesses only) Setup Fee: None Source: Official Authorize.net pricing |
6. Amazon Pay
Amazon Pay for WooCommerce lets shoppers check out with the address and payment details already saved in their Amazon account. No new account and no card typing, which helps a lot on mobile.
It’s available to merchants in the US, UK, Japan and 15 European countries, and works best as a second option next to your main card gateway.
Key Features
- A-to-z Guarantee: Eligible transactions are covered, and qualified physical goods get Payment Protection.
- Multi-Currency: Customers can pay in their preferred currency.
- Recurring Payments: Works with WooCommerce Subscriptions in most supported countries.
Disadvantages
- Amazon Account Required: Only useful where your customers already shop on Amazon.
- Mixed Reviews: The extension is rated 2.9/5 on WooCommerce.com, so keep a card gateway as your main option.
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US Web Payments: 2.9% + $0.30 authorization fee Non-US Payment Methods: 3.9% + $0.30 Regions: 18 countries Source: Official Amazon Pay fees |
7. Mollie (Best for Europe)
If you sell mainly in Europe, Mollie Payments for WooCommerce is hard to beat. The free plugin, made by Mollie, adds cards, Apple Pay, PayPal and Europe’s local favorites: iDEAL, Bancontact, SEPA Direct Debit, Klarna, Przelewy24, Blik, Swish, TWINT, Satispay and more.
Mollie serves businesses in the UK and across Europe, with no setup or monthly fees for online payments.
Key Features
- Local Methods: Offer the payment method each European country prefers.
- Subscriptions: Compatible with WooCommerce Subscriptions via cards, Apple Pay, iDEAL and SEPA Direct Debit.
- Pay After Delivery: Options like Riverty, Billie, iDEAL in3 and Alma.
Disadvantages
- Europe and UK Only: Not available for US or Asian businesses.
- Non-EEA Cards Cost More: 3.25% + €0.25 for cards from outside the EEA.
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EEA Consumer Cards: 1.80% + €0.25 Non-EEA Cards: 3.25% + €0.25 Bancontact: 1.40% + €0.25 iDEAL | Wero: €0.32 (domestic Dutch payments) Source: Official Mollie pricing |
8. Razorpay (Best for India)
Razorpay for WooCommerce is the go-to gateway for stores in India. Customers can pay with cards, UPI, net banking, wallets, EMI and PayLater, the methods Indian shoppers use every day.
The plugin also supports merchants in Malaysia, with FPX, DuitNow and e-wallets like GrabPay, Touch ‘n Go and Boost.
Key Features
- UPI and 100+ Payment Modes: Cover nearly every way Indian customers pay.
- No Setup or Maintenance Fee: Rs 0 setup and Rs 0 annual maintenance.
- Subscriptions: Works with WooCommerce Subscriptions through the separate Razorpay Subscriptions plugin.
Disadvantages
- India and Malaysia Only: Merchants elsewhere can’t use it.
- GST on Top: 18% GST is added to the platform fee.
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Domestic (Cards, UPI, Net Banking, Wallets): 2% platform fee + 18% GST on the fee International Cards: Up to 3% Setup / Annual Fee: Rs 0 Source: Official Razorpay pricing (India) |
How to Choose the Right Payment Gateway for WooCommerce
Use these five checks to narrow the list down to one or two gateways.
1. Start With Where You and Your Customers Are
Your gateway must support the country your business is registered in, so check that first. Then match how your customers like to pay: cards and PayPal in the US, iDEAL in the Netherlands, Bancontact in Belgium, UPI in India.
2. Compare the Real Cost, Not Just the Headline Rate
Add up international card fees, currency conversion, monthly fees and extension prices. On a $50 US order, a 2.9% + $0.30 card fee costs you $1.75, while PayPal Checkout at 3.49% + $0.49 costs about $2.24. A $25 monthly fee only makes sense once your volume is high.
3. Look for Checkout Features That Lift Conversions
Apple Pay, Google Pay, saved cards and buy now, pay later all cut friction at checkout. So do fewer steps: a Buy Now button that skips the cart and sends shoppers straight to checkout, like WiseCampaign’s Direct Checkout, pairs well with one-tap wallets. For more fixes, see our guide on how to reduce cart abandonment in WooCommerce.
4. Check Security and Compliance
Every gateway in this list handles card data on its own servers, which keeps your PCI compliance work small. You still need an SSL certificate, and if you sell in Europe, make sure the gateway supports Strong Customer Authentication (3D Secure).
5. Plan for Two Gateways
Most stores do best with one card gateway plus PayPal. WooCommerce lets you enable several gateways at once, so customers who don’t want one option still have another.
FAQ About WooCommerce Payment Gateways
What is the best payment gateway for WooCommerce in 2026?
For most stores in supported countries, WooPayments or Stripe, both at 2.9% + $0.30 for US cards with no monthly fee, plus PayPal Payments as a second option. Choose Square if you also sell in person, Mollie for Europe and Razorpay for India.
Which WooCommerce payment gateway has the lowest fees?
In the US, WooPayments, Stripe, Square (Online API) and Amazon Pay all charge 2.9% + $0.30 for domestic online cards. Authorize.net’s Gateway Only plan charges just $0.10 per transaction, but you also pay $25/month and need your own merchant account. In Europe, Mollie charges 1.80% + €0.25 for EEA consumer cards.
Does WooCommerce have its own payment gateway?
Yes. WooPayments is built by Woo, is free to install and has no setup or monthly fees for online payments. It’s available to merchants in 38 countries.
Can I accept Apple Pay and Google Pay in WooCommerce?
Yes. Apple Pay and Google Pay are digital wallets, not gateways. You turn them on inside a gateway that supports them, such as WooPayments, Stripe or Square, and that gateway’s pricing applies.
Can I use more than one payment gateway in WooCommerce?
Yes. Go to WooCommerce > Settings > Payments and enable as many gateways as you need. A card gateway plus PayPal is the most common setup.
Final Verdict
There’s no single best payment gateway for every WooCommerce store, but there is a best one for yours:
- WooPayments: Best all-rounder if your business is in one of its 38 countries.
- Stripe: Best for global sales and the widest choice of payment methods.
- PayPal Payments: Best second gateway for shoppers who trust PayPal.
- Square: Best for stores that also sell in person.
- Mollie / Razorpay: Best for Europe / India.
Start with one card gateway plus PayPal, then add local payment methods as you grow. Looking for more tools to grow your store? Check out our list of free WooCommerce plugins for WordPress.
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