{"id":1187,"date":"2026-08-05T07:22:42","date_gmt":"2026-08-05T07:22:42","guid":{"rendered":"https:\/\/techstersweb.com\/blog\/?p=1187"},"modified":"2026-08-05T07:32:08","modified_gmt":"2026-08-05T07:32:08","slug":"payment-gateways-around-the-world-countries-international-payments-pricing-features","status":"publish","type":"post","link":"https:\/\/techstersweb.com\/blog\/payment-gateways-around-the-world-countries-international-payments-pricing-features\/","title":{"rendered":"Payment Gateways Around the World: Countries, International Payments, Pricing & Features"},"content":{"rendered":"\n

Choosing a payment gateway <\/a>is not only about finding the lowest transaction fee. A gateway that works well for an Indian business may not be available to a business in Germany, while another gateway may allow merchants in the UK or US to sell globally but offer completely different local payment methods.<\/p>\n\n\n\n

The right choice depends on where your business is registered, where your customers are located, which currencies you need, whether you need domestic or international payments, and what payment methods your customers prefer<\/strong>.<\/p>\n\n\n\n

Below is a practical comparison of major payment gateways used across India and international markets.<\/p>\n\n\n\n

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Pricing note:<\/strong> Payment gateway pricing changes by country, payment method, merchant category, transaction volume, currency conversion and negotiated plans. The rates below are indicative of publicly listed pricing and should be checked with the provider before integration.<\/p>\n<\/blockquote>\n\n\n\n

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1. Stripe<\/h2>\n\n\n\n

Best suited for:<\/strong> International businesses, SaaS companies, eCommerce, subscriptions and technology businesses.<\/p>\n\n\n\n

Detail<\/th>Stripe<\/th><\/tr><\/thead>
Main markets<\/td>US, UK, Europe, Australia, Canada, India and other supported markets<\/td><\/tr>
Customer reach<\/td>Global<\/td><\/tr>
Domestic payments<\/td>Yes<\/td><\/tr>
International payments<\/td>Yes<\/td><\/tr>
Currencies<\/td>Large multi-currency support<\/td><\/tr>
Payment methods<\/td>Cards, wallets, bank payments and numerous local payment methods<\/td><\/tr>
Pricing model<\/td>Pay-as-you-go<\/td><\/tr>
Setup fee<\/td>No standard setup fee<\/td><\/tr>
Subscription payments<\/td>Yes<\/td><\/tr>
Recurring billing<\/td>Yes<\/td><\/tr>
Payment links<\/td>Yes<\/td><\/tr>
APIs\/SDKs<\/td>Yes<\/td><\/tr>
Fraud protection<\/td>Yes<\/td><\/tr>
Best for<\/td>Global websites, SaaS, subscriptions and eCommerce<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Stripe’s standard global pricing in many markets is transaction-based. Its US pricing, for example, lists 2.9% + $0.30 for successful domestic card transactions<\/strong>, with additional charges for international cards and currency conversion.<\/p>\n\n\n\n

For Indian businesses, Stripe’s published pricing includes 3% for international Visa\/Mastercard cards issued outside India<\/strong>, with an additional 2% where currency conversion is required. International American Express cards are listed at 3.5% plus a possible 2% conversion charge.<\/p>\n\n\n\n

Important:<\/strong> Stripe availability depends on the country where the merchant business is established. Customer location and merchant location are two different things.<\/p>\n\n\n\n

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2. PayPal<\/h2>\n\n\n\n

Best suited for:<\/strong> International businesses, freelancers, digital services, online stores and businesses whose customers already use PayPal.<\/p>\n\n\n\n

Detail<\/th>PayPal<\/th><\/tr><\/thead>
Main markets<\/td>Many countries worldwide<\/td><\/tr>
Customer reach<\/td>International<\/td><\/tr>
Domestic payments<\/td>Depends on merchant country<\/td><\/tr>
International payments<\/td>Yes<\/td><\/tr>
Payment method<\/td>PayPal balance, cards and supported local funding methods<\/td><\/tr>
Currency support<\/td>Multiple currencies<\/td><\/tr>
Subscription payments<\/td>Yes<\/td><\/tr>
Invoicing<\/td>Yes<\/td><\/tr>
Payment links<\/td>Yes<\/td><\/tr>
Recurring payments<\/td>Yes<\/td><\/tr>
Best for<\/td>International customers and cross-border sales<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

PayPal uses different pricing structures depending on the merchant’s market. PayPal defines an international transaction as one where the sender and receiver are registered or identified as residents of different markets.<\/p>\n\n\n\n

For Indian merchants, PayPal states that only international payments are supported<\/strong>.<\/p>\n\n\n\n

This makes PayPal particularly useful when an Indian business wants to receive payments from overseas customers, but it should not automatically be treated as a replacement for an India-focused gateway such as Razorpay, Cashfree, PayU or PhonePe.<\/p>\n\n\n\n

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Get secure payment gateway integration with Techsters Web \u2014 your website development company in Chandigarh<\/a>.
Visit techstersweb.com<\/a><\/strong> | Email: info@techstersweb.com<\/a><\/strong> | Call: +91 7087752296<\/strong><\/p>\n<\/blockquote>\n\n\n\n

3. Razorpay<\/h2>\n\n\n\n

Best suited for:<\/strong> Indian businesses that need UPI, cards, net banking, wallets and international card acceptance.<\/p>\n\n\n\n

Detail<\/th>Razorpay<\/th><\/tr><\/thead>
Primary market<\/td>India<\/td><\/tr>
Customer reach<\/td>India + international customers<\/td><\/tr>
Domestic payments<\/td>Yes<\/td><\/tr>
International payments<\/td>Yes<\/td><\/tr>
UPI<\/td>Yes<\/td><\/tr>
Cards<\/td>Yes<\/td><\/tr>
Net banking<\/td>Yes<\/td><\/tr>
Wallets<\/td>Yes<\/td><\/tr>
Recurring payments<\/td>Yes<\/td><\/tr>
Payment links<\/td>Yes<\/td><\/tr>
APIs\/SDKs<\/td>Yes<\/td><\/tr>
International cards<\/td>Yes<\/td><\/tr>
Standard international pricing<\/td>Around 3% + applicable GST<\/td><\/tr>
Setup fee<\/td>No standard setup fee<\/td><\/tr>
AMC<\/td>No standard AMC<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Razorpay’s current international payments page lists a 3% platform fee for international credit cards and payment methods<\/strong>, with GST applicable and PayPal charges\/taxes excluded. It also states that there are no setup or maintenance fees.<\/p>\n\n\n\n

Razorpay’s published 2026 pricing explanation states that standard domestic payments are generally around 2% + GST<\/strong>, while international cards are 3% + GST<\/strong> and international bank transfers can have different pricing.<\/p>\n\n\n\n

Key advantage<\/h3>\n\n\n\n

For an Indian website, Razorpay is particularly useful when you want to combine:<\/p>\n\n\n\n

UPI + Indian cards + net banking + wallets + international cards<\/strong><\/p>\n\n\n\n

in one integration.<\/p>\n\n\n\n

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4. Cashfree Payments<\/h2>\n\n\n\n

Best suited for:<\/strong> Indian businesses, eCommerce stores, SaaS businesses and companies receiving international payments.<\/p>\n\n\n\n

Detail<\/th>Cashfree<\/th><\/tr><\/thead>
Primary market<\/td>India<\/td><\/tr>
Customer reach<\/td>India + international<\/td><\/tr>
Domestic payments<\/td>Yes<\/td><\/tr>
International payments<\/td>Yes<\/td><\/tr>
International currencies<\/td>140+ foreign currencies advertised<\/td><\/tr>
UPI<\/td>Yes<\/td><\/tr>
Cards<\/td>Yes<\/td><\/tr>
Net banking<\/td>Yes<\/td><\/tr>
Wallets<\/td>Yes<\/td><\/tr>
EMI<\/td>Yes<\/td><\/tr>
Pay Later<\/td>Yes<\/td><\/tr>
PayPal<\/td>Supported<\/td><\/tr>
Refunds<\/td>Yes<\/td><\/tr>
Instant settlements<\/td>Available<\/td><\/tr>
Payment links\/pages<\/td>Yes<\/td><\/tr>
API\/SDK integration<\/td>Yes<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Cashfree states that its international payment gateway supports payments from customers in 180+ countries and 30+ currencies<\/strong>, while its broader payment gateway supports INR and 140+ foreign currencies.<\/p>\n\n\n\n

Its current published pricing lists standard domestic payment gateway pricing around 1.95%\u20132%<\/strong>, while international Visa\/Mastercard transactions are listed at 2.99% standard<\/strong>. American Express international transactions are listed at 2.95%.<\/p>\n\n\n\n

Cashfree also offers enterprise pricing based on transaction volume, business category and selected payment products.<\/p>\n\n\n\n

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5. PayU<\/h2>\n\n\n\n

Best suited for:<\/strong> Indian eCommerce companies, online businesses and enterprises.<\/p>\n\n\n\n

Detail<\/th>PayU<\/th><\/tr><\/thead>
Primary market<\/td>India<\/td><\/tr>
Customer reach<\/td>India + international<\/td><\/tr>
Domestic payments<\/td>Yes<\/td><\/tr>
International payments<\/td>Yes<\/td><\/tr>
Payment modes<\/td>150+<\/td><\/tr>
UPI<\/td>Yes<\/td><\/tr>
Cards<\/td>Yes<\/td><\/tr>
Net banking<\/td>Yes<\/td><\/tr>
Wallets<\/td>Yes<\/td><\/tr>
EMI<\/td>Yes<\/td><\/tr>
BNPL<\/td>Yes<\/td><\/tr>
Payment links<\/td>Yes<\/td><\/tr>
APIs\/SDKs<\/td>Yes<\/td><\/tr>
Fraud\/risk tools<\/td>Yes<\/td><\/tr>
Setup fee<\/td>No<\/td><\/tr>
Pricing model<\/td>Pay-as-you-use<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

PayU currently lists 2%<\/strong> for several domestic payment methods and 3%<\/strong> for EMI, American Express, Diners Club and international transactions, with 18% GST applicable to the listed fees.<\/p>\n\n\n\n

PayU also advertises more than 150 payment modes<\/strong>, including cards, UPI, net banking, EMI and wallets.<\/p>\n\n\n\n

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\"payment<\/figure>\n\n\n\n

6. PhonePe Payment Gateway<\/h2>\n\n\n\n

Best suited for:<\/strong> Indian businesses that want strong UPI and domestic payment support.<\/p>\n\n\n\n

Detail<\/th>PhonePe PG<\/th><\/tr><\/thead>
Primary market<\/td>India<\/td><\/tr>
Domestic payments<\/td>Yes<\/td><\/tr>
International focus<\/td>More limited than global gateways<\/td><\/tr>
UPI<\/td>Yes<\/td><\/tr>
Cards<\/td>Yes<\/td><\/tr>
Net banking<\/td>Yes<\/td><\/tr>
Dynamic QR<\/td>Yes<\/td><\/tr>
Shopify integration<\/td>Yes<\/td><\/tr>
WooCommerce integration<\/td>Yes<\/td><\/tr>
Dashboard<\/td>Yes<\/td><\/tr>
Analytics<\/td>Yes<\/td><\/tr>
Setup fee<\/td>No<\/td><\/tr>
AMC<\/td>No<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

PhonePe’s payment gateway is strongly focused on the Indian market and supports UPI, cards and net banking. Its current pricing page advertises a standard plan with zero payment gateway fees under the stated offer\/terms<\/strong>, while enterprise customers can receive customised pricing.<\/p>\n\n\n\n

For a business whose customers are primarily in India, PhonePe can be an attractive option, particularly when UPI is an important part of the checkout.<\/p>\n\n\n\n

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7. CCAvenue<\/h2>\n\n\n\n

Best suited for:<\/strong> Indian businesses needing a wide range of domestic and international payment options.<\/p>\n\n\n\n

Detail<\/th>CCAvenue<\/th><\/tr><\/thead>
Primary market<\/td>India<\/td><\/tr>
Domestic payments<\/td>Yes<\/td><\/tr>
International payments<\/td>Yes<\/td><\/tr>
Multi-currency<\/td>Yes<\/td><\/tr>
Cards<\/td>Yes<\/td><\/tr>
UPI<\/td>Yes<\/td><\/tr>
Net banking<\/td>Yes<\/td><\/tr>
Wallets<\/td>Yes<\/td><\/tr>
EMI<\/td>Yes<\/td><\/tr>
International cards<\/td>Yes<\/td><\/tr>
Payment reports<\/td>Yes<\/td><\/tr>
Tokenization<\/td>Yes<\/td><\/tr>
Shopify integration<\/td>Yes<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

CCAvenue currently lists 2% platform fees<\/strong> for its standard online payment plan, with 18% GST applicable. International credit\/debit cards are listed at 3%<\/strong>, while multi-currency processing is listed at 3.5%<\/strong> on its standard pricing page.<\/p>\n\n\n\n

CCAvenue also provides enterprise\/custom pricing for businesses with larger transaction volumes.<\/p>\n\n\n\n

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8. Adyen<\/h1>\n\n\n\n

Best suited for:<\/strong> Large international companies, marketplaces, enterprise eCommerce and businesses operating across multiple countries.<\/p>\n\n\n\n

Detail<\/th>Adyen<\/th><\/tr><\/thead>
Main markets<\/td>Global<\/td><\/tr>
Merchant reach<\/td>Multiple international markets<\/td><\/tr>
Domestic payments<\/td>Yes<\/td><\/tr>
International payments<\/td>Yes<\/td><\/tr>
Local payment methods<\/td>Yes<\/td><\/tr>
Cards<\/td>Yes<\/td><\/tr>
Wallets<\/td>Yes<\/td><\/tr>
Bank payments<\/td>Yes<\/td><\/tr>
Recurring payments<\/td>Yes<\/td><\/tr>
Marketplace payments<\/td>Yes<\/td><\/tr>
Multi-currency settlement<\/td>Yes<\/td><\/tr>
Fraud tools<\/td>Yes<\/td><\/tr>
Enterprise features<\/td>Strong<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Adyen uses a fixed processing fee plus a payment-method fee<\/strong>. Its current pricing page states that there is no setup fee or monthly fee<\/strong>, and merchants pay per transaction.<\/p>\n\n\n\n

For example, its published card pricing can use a structure such as a fixed processing fee plus interchange and an additional percentage, depending on the payment method and market.<\/p>\n\n\n\n

Adyen is generally more suitable for businesses with international scale than for a small local website simply looking for UPI payments.<\/p>\n\n\n\n

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\"\"<\/figure>\n\n\n\n

9. 2Checkout \/ Verifone<\/h1>\n\n\n\n

Best suited for:<\/strong> Digital products, SaaS, subscriptions and businesses selling internationally.<\/p>\n\n\n\n

Detail<\/th>2Checkout<\/th><\/tr><\/thead>
International payments<\/td>Yes<\/td><\/tr>
Markets<\/td>200+ countries\/territories<\/td><\/tr>
Currencies<\/td>87<\/td><\/tr>
Languages<\/td>15<\/td><\/tr>
Domestic payments<\/td>Depends on market<\/td><\/tr>
Cards<\/td>Yes<\/td><\/tr>
Recurring billing<\/td>Yes<\/td><\/tr>
Subscription management<\/td>Yes<\/td><\/tr>
Global checkout<\/td>Yes<\/td><\/tr>
PCI compliance<\/td>PCI Level 1<\/td><\/tr>
Setup fee<\/td>No standard upfront fee<\/td><\/tr>
Standard pricing<\/td>3.5% + $0.35 per successful sale<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

2Checkout currently advertises acceptance in 200 countries\/territories<\/strong>, with localized checkout in 15 languages and 87 currencies<\/strong>. Its 2Sell plan is listed at 3.5% + $0.35 per successful sale<\/strong>, while the subscription-focused 2Subscribe plan is listed at 4.5% + $0.45<\/strong>.<\/p>\n\n\n\n

This makes it particularly interesting for software companies and subscription-based businesses selling internationally.<\/p>\n\n\n\n

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10. Authorize.Net<\/h1>\n\n\n\n

Best suited for:<\/strong> Businesses operating in the United States and Canada, particularly traditional online businesses and eCommerce.<\/p>\n\n\n\n

Detail<\/th>Authorize.Net<\/th><\/tr><\/thead>
Main market<\/td>United States<\/td><\/tr>
Canada<\/td>Supported through appropriate merchant arrangements<\/td><\/tr>
International customer payments<\/td>Possible depending on merchant setup<\/td><\/tr>
Credit cards<\/td>Yes<\/td><\/tr>
Debit cards<\/td>Yes<\/td><\/tr>
eCheck<\/td>Yes<\/td><\/tr>
Recurring billing<\/td>Yes<\/td><\/tr>
Invoicing<\/td>Yes<\/td><\/tr>
Fraud tools<\/td>Yes<\/td><\/tr>
Payment gateway<\/td>Yes<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Authorize.Net currently lists a plan at $25\/month<\/strong>, with separate processing rates. Its published pricing includes eCheck processing at 0.75% and credit-card processing at 10\u00a2 per transaction plus a 10\u00a2 daily batch fee for that gateway-plus-eCheck offering.<\/p>\n\n\n\n

Its eCheck service is specifically noted as being available for businesses based in the United States.<\/p>\n\n\n\n

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11. Mollie<\/h1>\n\n\n\n

Best suited for:<\/strong> European businesses and online stores selling across Europe.<\/p>\n\n\n\n

Detail<\/th>Mollie<\/th><\/tr><\/thead>
Primary markets<\/td>Europe + UK + Switzerland<\/td><\/tr>
Domestic payments<\/td>Yes<\/td><\/tr>
International payments<\/td>Yes<\/td><\/tr>
Cards<\/td>Yes<\/td><\/tr>
Local European payment methods<\/td>Yes<\/td><\/tr>
Recurring payments<\/td>Yes<\/td><\/tr>
Payment links<\/td>Yes<\/td><\/tr>
Invoicing<\/td>Yes<\/td><\/tr>
Checkout<\/td>Yes<\/td><\/tr>
Setup fee<\/td>No standard setup fee<\/td><\/tr>
Monthly minimum<\/td>No standard minimum<\/td><\/tr>
Pricing<\/td>Pay per successful transaction<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Mollie currently offers its services to companies based in the EEA, Switzerland and the United Kingdom<\/strong>, with specific country eligibility requirements.<\/p>\n\n\n\n

Its pricing model is transaction-based, with no minimum costs or lock-in contracts under standard pricing. Volume pricing is available for larger merchants.<\/p>\n\n\n\n

Mollie supports major card networks and distinguishes pricing between domestic, intra-zone and inter-zone transactions.<\/p>\n\n\n\n

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12. Square<\/h1>\n\n\n\n

Best suited for:<\/strong> Small businesses, retailers, restaurants and businesses combining online and physical payments.<\/p>\n\n\n\n

Detail<\/th>Square<\/th><\/tr><\/thead>
Main markets<\/td>Selected countries<\/td><\/tr>
Online payments<\/td>Yes<\/td><\/tr>
In-person payments<\/td>Yes<\/td><\/tr>
Cards<\/td>Yes<\/td><\/tr>
Digital wallets<\/td>Yes<\/td><\/tr>
Bank payments<\/td>Available in selected markets<\/td><\/tr>
POS<\/td>Yes<\/td><\/tr>
Online store<\/td>Yes<\/td><\/tr>
Invoicing<\/td>Yes<\/td><\/tr>
Payment links<\/td>Yes<\/td><\/tr>
Best feature<\/td>Online + physical payment ecosystem<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Square’s payment-method availability varies according to the country where the seller is based<\/strong>. Its documentation specifically lists support by country for card payments, digital wallets, ACH and other methods.<\/p>\n\n\n\n

Square is therefore particularly useful for businesses that want one payment ecosystem for both a website and physical stores.<\/p>\n\n\n\n

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Quick Payment Gateway Comparison<\/h1>\n\n\n\n
Payment Gateway<\/th>Main Merchant Market<\/th>International Payments<\/th>Domestic Payments<\/th>Pricing Style<\/th>Best For<\/th><\/tr><\/thead>
Stripe<\/strong><\/td>Global<\/td>\u2705<\/td>\u2705<\/td>Transaction-based<\/td>SaaS, eCommerce, global businesses<\/td><\/tr>
PayPal<\/strong><\/td>Global<\/td>\u2705<\/td>Country dependent<\/td>Transaction-based<\/td>International sales<\/td><\/tr>
Razorpay<\/strong><\/td>India<\/td>\u2705<\/td>\u2705<\/td>Transaction-based<\/td>Indian businesses<\/td><\/tr>
Cashfree<\/strong><\/td>India<\/td>\u2705<\/td>\u2705<\/td>Transaction-based<\/td>India + global payments<\/td><\/tr>
PayU<\/strong><\/td>India<\/td>\u2705<\/td>\u2705<\/td>Transaction-based<\/td>Indian eCommerce<\/td><\/tr>
PhonePe PG<\/strong><\/td>India<\/td>Limited\/market dependent<\/td>\u2705<\/td>Offer\/custom<\/td>UPI-heavy Indian businesses<\/td><\/tr>
CCAvenue<\/strong><\/td>India<\/td>\u2705<\/td>\u2705<\/td>Transaction-based<\/td>Domestic + international India<\/td><\/tr>
Adyen<\/strong><\/td>Global<\/td>\u2705<\/td>\u2705<\/td>Fixed fee + method fee<\/td>Enterprise<\/td><\/tr>
2Checkout<\/strong><\/td>Global<\/td>\u2705<\/td>Market dependent<\/td>3.5% + $0.35*<\/td>Digital products\/subscriptions<\/td><\/tr>
Authorize.Net<\/strong><\/td>US-focused<\/td>\u2705<\/td>\u2705<\/td>Monthly + transaction fees<\/td>US businesses<\/td><\/tr>
Mollie<\/strong><\/td>Europe\/UK\/Switzerland<\/td>\u2705<\/td>\u2705<\/td>Transaction-based<\/td>European eCommerce<\/td><\/tr>
Square<\/strong><\/td>Selected markets<\/td>Market dependent<\/td>\u2705<\/td>Transaction-based<\/td>Retail + online<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

*2Checkout pricing varies by plan and market. The 3.5% + $0.35 figure refers to its currently published 2Sell plan.<\/p>\n\n\n\n

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Indian Payment Gateways vs International Payment Gateways<\/h1>\n\n\n\n

The biggest difference is not simply the country in which the gateway company operates.<\/p>\n\n\n\n

It is the payment ecosystem supported by the gateway<\/strong>.<\/p>\n\n\n\n

Indian-focused gateways<\/h3>\n\n\n\n

Razorpay, Cashfree, PayU, PhonePe and CCAvenue are particularly relevant when the business needs:<\/p>\n\n\n\n