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Online Payment Merchants: Top 5 Review 2019

Published: 4th October 2018 | Last Updated: 20th November 2018

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You’ve created your business, built your website, and fine-tuned your marketing strategy. Now you need to find the best way to sell your product or service online and make it easy for your customers to do business with you. We’ve rounded up our top 5 online payment merchants.

Read Our Top 5 Review:

1) PayPal

RATED: 4.8 out of 5

a screen shot of the homepage on the paypal desktop website
PayPal tops our list for many reasons. Everyone’s heard of it, and most people already have a PayPal account. It’s simple, and straightforward to sign up. The only time credit card information needs to be entered is during the sign-up process. Once that process is complete, customers have access to one-click purchasing. It’s also very secure – there’s no need to disclose their credit card information over and over.

Ecommerce websites benefit from PayPal’s universal popularity as it reduces the number of dropped shopping carts.

PayPal Business boasts seller protection and advanced fraud screening. They have a number of online payment solutions, several ways to receive your payments, and offer industry-specific solutions. And their helpfulness doesn’t stop there.

They have teamed up with partners who can help you by providing your ecommerce website with a shopping cart based on where online you’d like to sell your products. The choice is yours – whether you’d like a DIY option (self-service) or a more full-service platform, along with everything from a simple ‘buy now’ button to a more customised option. You can even choose how much or little you’d like to spend, a great option for anyone starting a new enterprise.

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2) Worldpay

RATED: 4.3 out of 5

screenshot of the homepage on the worldpay website

Worldpay claims to be the number one payments processor in the UK and Europe. We like them because their security level is one of the highest we’ve come across, which makes them extremely trustworthy.

For example, in order to sign up for a Worldpay account, you must speak to their sales team. There’s no quickie signup button on their site. Applying for a Worldpay account requires much more information about your business. The upside? This rigorous process is all part of their focus on advanced security, reliability, and quality.

And this focused attention on security  doesn’t stop there. One of their most recent developments is point-to-point encryption. They have advanced fraud screening tools. And, for even more secure transactions, they actually processes and authorises payments on their own secure payment page. Your customers’ details will be kept safe.

Using Worldpay means that your business can accept all major credit and debit cards, along with PayPal. If you have plans of worldwide expansion, you can receive payments in 116 currencies, and it’s possible to set up payment webpages in 31 languages.

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3) Stripe

RATED: 4.1 out of 5

screen shot of the homepage of the stripe website

Calling themselves ‘the new standard in online payments’, Stripe is going after the mobile payments market. Their software development kits are designed for both iOS and Android devices, with everything a mobile business needs.

If you decide to go with Stripe, you’ll be in very good company – a quick look at their list of clients includes some incredibly recognisable brand names – everyone from Amazon to Xero seems to be a big fan.  Signup is easy – you can either create an account on their site, or if you prefer a more personal touch, you can contact their sales department.

Especially if you are doing business with millennials or Generation Z, your customers want what they want – NOW. Simplified payment flows for one-touch payment are the way forward, whether for paying for products and services, subscribing to media, or even donating to a charity. Stripe makes it easy to add payment to your website.

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4) Klarna

RATED: 4.0 out of 5

screenshot of the klarna website homepage

Klarna’s tagline promises ‘smooth payments. always.’ Let’s have a closer look. They approach the world of online payment by focusing on the customer’s user experience. They do this by minimising, if not eliminating, the interruptions that can make an online shopping journey a bit bumpy. You get to keep the beautifully designed, carefully thought out look and feel of your website intact while your customer is making their payment. They also have dynamic payments presentation – put simply, a widget that tailors itself to only show the relevant payment options to your customer.

Klarna have been in business for over a decade, and that experience has enabled them to truly understand customers’ needs. Beyond providing online payment solutions, they also offer traffic acquisition, upstream marketing, post purchase, and cross-sell products for a full range of ways to expand your business.

They are very clear about their high security, privacy protection, and take on the risks of payment transactions. They also have 24/7 support, and automatic updates keep things moving like a well-oiled machine.

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5) Sage Pay

RATED: 3.9 out of 5

screen shot of the homepage of the sagepay website

If you need one-stop shopping to handle your customers’ payments, Sage Pay has got you covered. Whether you are looking for online payments, face-to-face payments, phone payments, or invoice payments, or all of the above, you’re in the right hands.

Need to make sense of it all? Trust their reporting and administration software tool, which is cloud-based, to help you keep your transactions organised. And all this is offered with transparent pricing that doesn’t have any surprises up its sleeve. And support is 24/7.

Along with the highest level of card data security fraud prevention tools, business insight, and the ability to integrate accounts, Sage Pay promises to pay your business within two business days, rather than the standard 7 business days. You can either apply online or send them an enquiry.

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6) Skrill

RATED: 3.5 out of 5

A screen shot of the Skrill Business web page which show a businesswoman smiling while looking at a smartphone and dressed in a white suit. Next to her is a box containing text describing Skrill's services.

Skrill started out as an American payment solution, but their expertise in international transactions has seen them grow and become a truly global company. Using Paysafe to provide clients with peace of mind, they are perfect for ecommerce site owners experiencing a high level of international transactions.

With over 10 years’ experience, they are at the forefront of fraud prevention and risk management strategies. They place great emphasis on the speed funds are transferred and can be accessed by clients – a vital component to ensure cash flow is maintained.

Skrill also has it’s on official WooCommerce plugin, allowing for seamless and easy integration with any website using that CMS. With it having official backing from the company, clients can be confident it’s installation will lead to no adverse effect on the website’s performance.

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Our Final Thoughts

So there you have it – our review of the top 5 online payment merchants. Take a look around their websites. You’ll see how each one of these companies approaches the age-old question of how to take payments securely and easily.  Sign up online, or speak to a sales rep – they’ll be happy to answer your questions – the ones you already have, and the ones you haven’t even thought up yet.

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