Blog Soft Gorillas

16 July 2023
4 min read

The top payment methods and best gateways for eCommerce in 2023


Running a highly efficient business goes beyond selling top-notch articles and investing in high-end strategies. While these two things matter in the digital commerce world, the choice of payment methods tops the list of successful online business operations. If you’re asking yourself what the safest payment methods are when selling online or which payment gateway will give the best results for eCommerce, keep reading! In this post, we will reveal the top 8 payment models, including the 6 best payment gateways to be used in 2023.

Characteristics of Payment Method Services

When choosing a payment gateway service, there are several important characteristics to keep in mind:

Payment Flow

The payment flow is the most fundamental aspect of a payment gateway service. Depending on your needs and preferences, you can choose between an in-page checkout, a lightbox checkout, or an off-site checkout on the website.

Security and Reliability

Security and reliability are the most important features you want to offer to your audience. It’s always recommended to go for payment gateways that follow the latest security standards set by PCI-DSS or similar.

Fees and Agreement Terms

Each service provider comes with different conditions and requirements regarding the fees and agreement terms. It’s good to compare several models and implement the one that meets your business needs and does not exceed your budget limits.

Transaction Efficiency

Transaction efficiency is another aspect of a payment gateway that should not be taken for granted. Most customers will give up the purchase if their payment cannot be processed or takes too much time to be completed.

Ease of Integration

If you want to launch your eCommerce as soon as possible, it’s advised to opt for a payment method whose integration is not overly complicated.

Top Payment Methods for eCommerce

To thrive in the eCommerce industry, you should not forget to include the following payment methods in your online store:

Credit and Debit Cards

Despite the broad range of cutting-edge payment methods that exist today, nothing beats credit and debit cards. Most websites accept widely known Visa, MasterCard, and AmericanExpress, which stand for the most secure and reliable brands in the financial industry.


E-wallets like Apple Pay, Google Pay, Samsung Wallet, and PayPal aim to become a one-in-all financial package that lets users store their funds, tickets, and other important documents in one place. While e-wallets are currently popular among younger customers, studies have shown that this payment model keeps growing and that many eCommerce stores have started incorporating it into their systems.

Buy Now, Pay Later (BNPL)

The “buy now, pay later” model has become one of the most commonly used payment methods on eCommerce websites. Depending on your location and the geographical area you are targeting, you can choose between different BNPL providers, but Klarna is one of the most used and efficient ones.

Cash-on-Delivery (COD)

Although the cash-on-delivery method is considered obsolete by younger generations, it is still a viable payment option offered by many eCommerce websites. It allows your customers to pay for the goods once they receive them and check if the order is damaged or doesn’t match the provided description. However, the COD method can be pretty costly for eCommerce owners.

Paying via links adds an extra layer of convenience to customers, who can easily pay for the order by following the link they’ve received via email or SMS. But despite the overall benefits of paying via links, customers still prefer e-wallets and simpler payment methods like credit or debit cards.

QR Codes

QR codes are the fastest and safest payment methods used today. Besides being simple to use, they can speed up the entire process and help eCommerce owners boost their sales and increase revenue. QR codes let users choose their preferred payment gateway.


Different cryptocurrencies are nowadays used by millions of people. Offering it as a payment method can be a good starting point if the audience you’re targeting is eager to invest in crypto.

Bank Transfer

Despite not being the fastest and most streamlined payment method, a bank transfer is still popular among wholesale transactions and B2B sectors.

6 Best Payment Gateways for eCommerce in 2023

Now that we have explained the critical aspects of the most popular payment methods, let’s dive into the 6 best solutions worth choosing in 2023:


PayPal is one of the most popular payment gateways used worldwide. It’s a common payment system among users due to its security and ease of use. It can be easily integrated into any system, making it a preferred choice among online shop owners.

Apple Pay

A fast-paced world like this one needs more touchless payment systems like Apple Pay. It is fully compatible with other Apple devices, which is why iOS fans often choose it over other payment methods when shopping online.


The increased popularity of Stripe is mostly due to its compatibility with cryptocurrencies. It lets users accept payments in Bitcoin and supports 24 different currencies.


Skrill is a mobile-based payment gateway used mostly by dropshipping businesses and small businesses looking forward to increasing their revenue.


SecurePay is one of the most secure and reliable payment methods in the eCommerce industry. It’s easy to use and integrate, making it the most popular among small and medium-sized businesses.

Amazon Pay

Users with Amazon accounts often choose Amazon Pay when shopping online. It streamlines the entire checkout process for customers who already have an account with Amazon.

Choosing the Right Payment Methods for Your eCommerce Website

When choosing the payment models for your website, it’s important to consider factors such as geographical location, age, technologies used, preferred payment methods, and security and reliability. By understanding your target audience and their preferences, you can make an informed decision on which payment methods to integrate into your eCommerce store.

In conclusion, the quality of products, website design and functionality, and the selection of payment methods matter the most when it comes to eCommerce business. To streamline the overall eCommerce web development process, you can count on to provide you with the tools and resources needed to succeed in the digital market. Don’t forget to consider the factors mentioned above when making your final choice regarding the payment methods and gateways.


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