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7 Top Adobe Commerce (Magento) Payment Gateways in 2024

In the continually evolving realm of eCommerce, the careful choice of a payment gateway holds paramount importance to facilitate a smooth and seamless online shopping experience. Renowned as Magento in the past, Adobe Commerce stands as a prominent player among eCommerce platforms, providing a resilient foundation for online businesses. The pivotal role of selecting an optimal payment gateway for Adobe Commerce cannot be overstated. This decision is vital not only for improving the efficiency of the checkout process but also for ensuring the security of transactions. Opting for the best-suited payment gateway is imperative, as it contributes significantly to refining the overall online shopping journey, reinforcing confidence for both businesses and customers in the digital marketplace.

In this blog, we will explore the top 7 payment gateways for Adobe Commerce in 2024.

Let’s start by discussing-

What is a Payment Gateway?

A payment gateway is a pivotal component in the realm of eCommerce, serving as a secure conduit that facilitates online transactions between merchants and customers. It acts as the intermediary responsible for transmitting sensitive financial information securely, encrypting data to prevent unauthorized access during the online purchase process. Essentially, a payment gateway enables the seamless flow of information between the customer, the merchant’s website, and the financial institutions involved. This integral system ensures the legitimacy of transactions, allowing for the authorization and processing of payments through various methods, such as credit cards or digital wallets. The overarching goal of a payment gateway is to guarantee a secure, efficient, and reliable mechanism for the electronic transfer of funds in the dynamic landscape of online commerce.

How Does a Payment Gateway Work?

A payment gateway functions by securely authorizing a transaction through 4 steps as follows:

  • Step 1: A customer chooses the item they wish to buy and makes an order by entering their credit card information on the checkout page. The transactional data is transmitted to your payment gateway in an encrypted state.
  • Step 2: The payment gateway gets the order and uses a digital certificate to verify the store’s authenticity—a sort of your online shop ID. When a customer selects a payment method, the payment gateway sends the information to either the acquiring bank (for Magento credit card) or a merchant account (for other types of payments).
  • Step 3: The issuing bank or credit card like Mastercard, VISA, Maestro, or American Express authenticates the transaction to decide whether to accept or deny the transaction (based on the costs available on the customer’s bank account).
  • Step 4: The bank transfers money to the payment gateway, which redirects the processed payment to the merchant account. Depending on the payment gateway, the funds may show on a merchant account within a few minutes or a few working days.

Significance of a Payment Gateway

  • Secure Transactions: The primary significance of a payment gateway lies in its role as a secure conduit for online transactions, encrypting sensitive financial information to prevent unauthorized access and ensuring the confidentiality of data.
  • Trust Building: By offering a secure environment for financial transactions, a payment gateway helps build trust between businesses and customers. This trust is essential for fostering long-term relationships and encouraging repeat transactions.
  • Diverse Payment Options: Payment gateways enable businesses to accept a variety of payment methods, including credit cards, debit cards, and digital wallets. This flexibility caters to diverse customer preferences, enhancing the overall convenience of the online shopping experience.
  • User-Friendly Checkout Process: Implementing a reliable payment gateway contributes to a seamless and user-friendly checkout process. This efficiency is crucial in preventing cart abandonment and improving customer satisfaction.
  • Fraud Prevention: Payment gateways often come equipped with security features that help in the detection and prevention of fraudulent transactions. This capability safeguards businesses from financial losses and maintains the integrity of the online payment ecosystem.
  • Automation of Financial Processes: For merchants, a payment gateway streamlines the authorization and processing of payments, reducing manual intervention and allowing for the automation of financial processes. This efficiency is particularly beneficial for businesses focusing on core operations.
  • Enhanced Customer Satisfaction: Overall, a well-integrated payment gateway contributes to enhanced customer satisfaction by providing a secure, diverse, and user-friendly payment experience. Satisfied customers are more likely to return for future transactions and recommend the business to others.

Top 7 Payment Gateways for Adobe Commerce in 2024

  • PayPal:  PayPal stands as a widely trusted payment gateway provider, serving over 435 million merchants and customers globally. Renowned for its reliability, user-friendly interface, and robust security measures, PayPal operates in more than 200 countries, offering seamless currency conversion to ensure customer confidence in their transactions.

Key Features

  • Acceptance of Various Magento Payment Methods: PayPal supports a wide array of payment methods, including debit and credit cards such as Mastercard, American Express, Visa, Discover, UnionPay, JCB, and Diners Club. It also accommodates prepaid debit or gift cards, digital wallets like Google Pay, Apple Pay, and Samsung Pay, and other methods like buy-now-pay-later, ACH fund transfers, phone-based credit card payments, in-person payments, and Venmo (specifically for the U.S. market).
  • Free Registration for PayPal Accounts: PayPal offers free registration for user accounts, facilitating a straightforward onboarding process for customers.
  • Linking PayPal Accounts with Bank Accounts: Customers can connect their PayPal accounts with their bank accounts, enabling them to make online payments from any device without the need for credit cards.
  • Secure Financial Transactions: PayPal ensures strong financial security during the checkout process. Sellers only receive customers’ PayPal account numbers, safeguarding sensitive information like bank account or credit card numbers.
  • Online Invoicing Support: Merchants can swiftly create invoices using PayPal, streamlining the invoicing process for online transactions.


As a payment gateway integrated with Magento 2, PayPal applies varying rates for different domestic and international markets. Detailed information on PayPal pricing can be found on their official platform for transparency and clarity regarding transaction fees.

  • Square: Square presents itself as a comprehensive payment processing solution for Magento, seamlessly integrating with POS software and Square hardware to facilitate a wide range of payment types. With Square, users can conduct transactions from various locations; send invoices to recurring customers, process payments from major credit cards, engage in online selling through eCommerce platforms, and leverage additional Square tools and third-party integrations.

Key Features

  • eCommerce Compatibility with Magento: Square offers robust eCommerce selling features, ensuring full compatibility with Magento for handling payments, refunds, voids, and cancellations seamlessly.
  • In-Person Transactions with Square POS: Utilize Square POS software and hardware to process in-person transactions, particularly beneficial for physical retail stores.
  • Flexible Payment Options: Square provides flexibility in payment methods, including debits and credit cards, eWallets like Apple Pay, payments with Square gift cards, cash deposits, and NFC payments.
  • Speedy and Accurate Deposits: Experience fast and accurate deposits within 1-2 business days for enhanced operational efficiency.
  • Secure Credit Card Storage: Allow customers to securely save credit card information for future use, enhancing convenience for repeat transactions.
  • Proactive Data Security Measures: Implement robust data security measures, including PCI-compliant payments, chargeback protection, fraud detection and prevention, and account takeover monitoring.
  • Analytics and Reporting Features: Leverage analytics and reporting features to efficiently manage inventory, track sales, and identify top-selling items, harnessing the power of Magento.

Fee Structure

Square offers three distinct plans tailored to different business stages:

Free Plan: No monthly fees or setup costs, with only processing costs applicable. Ideal for beginners and small businesses.

Plus Plan: Priced at $29+/month, this plan is designed to provide advanced features suitable for retailers, restaurants, or appointment-based companies.

Premium Plan: Custom-quoted for companies with operational complexities requiring a bespoke solution.

Processing Fees

Card Present: 2.6% + 10 cents per transaction.

Card Not Present: 2.9% + 30 cents per transaction.

Keyed In: 3.5% + 15 cents per transaction.

Square’s transparent fee structure ensures businesses can select a plan and payment option that aligns with their unique needs and stage of operation.

  • Amazon Pay: Amazon Pay stands as a versatile and secure payment gateway designed to facilitate transactions, accommodating 12 currencies and supporting multiple languages. It enables customers to utilize their Amazon accounts for payments on various eCommerce websites, significantly reducing checkout time and enhancing overall convenience.

Key Features

  • Accepted Payment Methods: Amazon Pay supports a range of payment methods, including credit and debit cards such as Mastercard, Visa, American Express, Discover, Diners Club, and JCB.
  • Integrated Shopping Cart Option: Integrated seamlessly as a payment option in the shopping cart, Amazon Pay allows customers to select this option through widgets, eliminating the need to leave the merchant’s site during the payment process.
  • Shared Fraud Protection: Leveraging the same robust fraud protection utilized on, Amazon Pay extends a high level of security to transactions processed through its gateway.
  • Compatibility with eCommerce Platforms: The payment gateway integrates seamlessly with popular eCommerce platforms like Magento, Shopify, BigCommerce, and numerous others, providing businesses with flexibility in their choice of platforms.
  • Alexa-Powered Device Purchases: Users have the convenience of making purchases using Amazon Pay through devices powered by Alexa, expanding the accessibility of this payment method.

Fee Structure

The fees associated with Amazon Pay vary depending on the location of the merchant. Importantly, there is no upfront cost for installing the Amazon payment gateway on your website, making it a cost-effective choice for businesses looking to enhance their payment options without initial financial commitments.

  • Stripe:  Stripe stands out as one of the premier payment gateways for Magento, boasting a global presence in 25 countries. This platform offers unparalleled flexibility, allowing businesses to tailor the gateway to their specific size and requirements. With Stripe’s fully integrated suite of payment products, merchants can seamlessly accept payments and facilitate global payouts, supporting over 135 currencies.

Key Features

  • Versatile Payment Acceptance: Stripe supports the acceptance of popular credit and debit cards, digital eWallets, ACH debit and credit transfers, wire transfers, as well as buy now, pay later options like Klarna and Afterpay.
  • Diverse Payment Scenarios: The platform caters to both online and in-person payments, including transactions for subscription companies, marketplaces, and software platforms. Additionally, merchants can send invoices, issue physical and virtual cards, reduce checkout frictions, and manage business spending and financing.
  • Developer-Friendly Design: Tailored for developers, Stripe offers libraries, no-code options, pre-built integrations, and customization capabilities to enhance ease of use and integration.
  • Recurring and Subscription Payments: Businesses can effortlessly set up recurring and subscription payments, rebill customers without storing credit card information, and enable pro-rata charges for enhanced flexibility.
  • On-Site Payment Experience: Stripe allows customers to complete payments on-site without redirection to external websites, providing a seamless and uninterrupted user experience.
  • Fraud Prevention with PCI Compliance: To ensure security, Stripe adheres to PCI compliance standards, offering robust fraud prevention measures for peace of mind.


For Magento retailers, Stripe adopts a transparent fee structure, charging only transaction rates of 2.9% + 30 cents per successful card charge. Notably, Stripe’s Magento 2 payment gateway incurs no setup or monthly fees, providing a cost-effective solution for businesses of varying sizes.

  • stands as a well-known and reputable name among the top payment gateways for Magento, catering specifically to the needs of small and medium-sized enterprises. Recognized for providing a secure and cost-effective payment service, it offers a diverse range of payment options for both online and offline transactions, ensuring flexibility for customers to make purchases according to their preferences.

Key Features

  • Comprehensive Online Payments: supports a variety of online payment methods, including debit cards, credit cards, eChecks, Apple Pay, and PayPal, providing a comprehensive array of choices for customers.
  • Virtual Point of Sale (VPOS): Businesses can accept in-person payments with credit cards through the Virtual Point of Sale (VPOS) feature, offering versatility in payment acceptance.
  • Mobile and Phone Payments: The platform supports mobile payments, enabling transactions through mobile devices, and phone payments can be conveniently processed using the Virtual Terminal for quick and secure order submissions.
  • Billing Subscriptions and Preferences: allows businesses to set up billing subscriptions, empowering customers to choose their payment preferences, thereby enhancing customer loyalty.
  • eCheck Payments: Ideal for bill payments, recurring transactions, and contactless payments, facilitates the acceptance of electronic check payments for orders conducted via emails, phones, eCommerce sites, or subscriptions.
  • Custom Digital Invoicing: Merchants can create custom digital invoices and send them via email, providing a tailored invoicing solution for their customers.
  • Customer Information Manager (CIM): CIM allows customers to securely save credit card data for future use, enhancing convenience and streamlining the payment process.
  • Built-in Fraud Detection Tool: incorporates a built-in fraud detection tool, aiding in the identification of suspicious transactions and IP addresses for enhanced security.

Fee Structure offers two packages for the Magento payment gateway, each accompanied by a monthly gate fee of $25:

  • All-in-one Payment Option: Includes a merchant account with a fee of 2.9% + 30 cents per transaction.           
  • Gateway-only Option: Excludes a merchant account, with a fee of 10 cents per transaction + 10 cents daily batch fee, offering flexibility for businesses based on their specific requirements.
  • Braintree:  Braintree, powered by PayPal, offers a versatile payment solution suitable for businesses of all sizes, ranging from small-scale stores to large enterprises. With a global presence spanning 44 countries and supporting 130+ currencies, Braintree is renowned for its user-friendly interface, ensuring a seamless checkout experience that prioritizes safety and encourages customer loyalty.

Key Features

  • Payment Acceptance Variety: Braintree allows businesses to accept major credit cards, digital wallets, and local payment methods, mirroring the diverse payment options available through PayPal.
  • Built-in PayPal Integration: Seamlessly integrated with PayPal, Braintree ensures a smooth and efficient payment process for customers using this popular digital payment platform.
  • Security Measures: Boasting secure data storage and robust fraud protection, Braintree prioritizes the safety of transactional data, instilling confidence in both businesses and customers.
  • Customer Payment Data Management: Customers can conveniently store their payment data with Braintree, offering the flexibility to add or delete account payment information according to their preferences.
  • Marketplace Solution: Braintree Marketplace provides a dedicated solution for marketplaces, efficiently managing a vast product category and catering to the unique needs of businesses operating in this model.
  • Recurring Billing and Subscriptions Support: Recognizing the evolving needs of businesses, Braintree supports recurring billing and subscription services, offering flexibility in payment structures.

Fee Structure

  • For Cards and Digital Wallets: 2.59% + 49 cents per transaction.
  • For PayPal and PayPal Credit: The pricing for these services aligns with the existing PayPal fee structure.
  • For Venmo: 3.49% + 49 cents per transaction.
  • For ACH Direct Debit: 0.75% per transaction.

Braintree’s transparent fee structure ensures clarity for businesses, making it a reliable and cost-effective choice for handling various payment scenarios.

  • 2Checkout: 2Checkout, now Verifone, emerges as a top-tier Magento payment gateway tailored for international eCommerce sellers seeking a global reach. With support for 45+ payment methods and transactions in 130+ currencies, 2Checkout empowers merchants, from small businesses to enterprises, to navigate the intricacies of digital commerce and expand their customer base effectively.

Key Features

  • 2Checkout Monetization Platform: The modular design of the 2Checkout Monetization Platform adapts to diverse business needs, encompassing digital commerce, global payments, subscription billing, risk management and compliance, global tax and financial services, and partner sales.
  • 2Sell: Safe and Seamless Payment Processing:
  • Expand market reach to over 200+ countries and territories.
  • Swift integration with over 120 shopping carts.
  • Localization of the buying experience to cater to global customers.
  • 2Subscribe: Effortless Subscription Management:
  • Simplified subscription management, accepting various payment methods.
  • Churn reduction and customer retention strategies.
  • Automated monthly subscription billing.
  • Compilation of comprehensive transaction history reports.
  • 2Monetise: All-in-One Solution for Digital Product Sales
  • Optimization of the buying experience for digital product sales.

Fee Structure

2Checkout offers three plans for its Magento 2 payment fee, each with distinct transaction fees:

  • 2Sell Transaction Fee: 3.5% + 35 cents per successful sale.
  • 2Subscribe Transaction Fee: 4.5% + 45 cents per successful sale.
  • 2Monetise Transaction Fee: 6.0% + 60 cents per successful sale.

These transparent fee structures empower businesses with flexibility, providing a scalable solution based on their specific requirements and objectives.

Wrapping Up,

Selecting the right payment gateway for Adobe Commerce is a critical decision that directly impacts the success of an online store. The top 7 payment gateways mentioned above offer a range of features to meet the diverse needs of merchants and customers alike. Whether prioritizing security, global reach, or versatility, these payment solutions for Adobe Commerce are sure to enhance the overall eCommerce experience in 2024. Choose wisely, and pave the way for seamless and secure online transactions.

Or, if you require guidance in making the right choice, reach out to us at 18th DigiTech, your trusted Magento Development Company , today!



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