The Best International Payment Gateways for Your Business in 2025

As businesses expand into global markets, the need for a reliable international payment gateway becomes crucial. Whether you’re selling products or services online, you must accept payments from international customers seamlessly, securely, and cost-effectively.

Choosing the right payment gateway can significantly impact your profit margins, customer experience, and international sales. In this guide, we’ll explore the top international payment gateways in 2025, their payment methods, transaction fees, and key features to help you select the best option for your business.

Why Your Business Needs an International Payment Gateway

An international payment gateway enables businesses to process international payments from customers worldwide. Here’s why it’s essential:

• Support for multiple currencies: Accept payments in your customer’s local currency with automatic currency conversion.

• Diverse payment methods: Beyond credit and debit cards, customers prefer local payment methods like bank transfers, digital wallets, and alternative payment methods (e.g., Google Pay, Apple Pay).

• Secure transactions: Protect sensitive payment information with fraud prevention tools.

• Cross-border payments: Simplify international transactions with low processing fees.

• Recurring billing: Ideal for subscription-based businesses needing recurring payments.

Without the right global payment processing solution, high transaction fees, currency issues, and limited payment options can hinder growth.

Key Features to Look for in an International Payment Gateway

When choosing the best international payment gateway, consider:

✅ Multi-currency support – Process payments in local currency to reduce conversion costs.
✅ Low transaction fees – Avoid high transaction fees that eat into profit margins.
✅ Popular payment methods – Support credit card payments, mobile payments, and alternative payment methods.
✅ Fraud prevention – Secure customer payments with encryption and compliance (PCI DSS).
✅ Recurring billing – Essential for SaaS and subscription businesses.
✅ Integration options – Works with accounting software, eCommerce platforms, and business accounts.
✅ Flexible pricing – Compare monthly fees, setup fees, and pay-as-you-go models.

Top International Payment Gateways in 2025

Here are the best international payment gateway providers to consider:

1. PayPal

One of the most popular payment gateways, PayPal supports cross-border transactions in multiple currencies.

✔ Pros:

• Wide global customer base

• Supports PayPal payments, credit or debit cards, and payment links

• Easy integration

✖ Cons:

• High transaction fees for international payments

• Account freezes can occur

Best for: Small businesses and freelancers needing a trusted payment processor.

2. Stripe

A leading global payment gateway, Stripe excels in payment processing for international sales.

✔ Pros:

• Supports 150+ currencies and payment methods (including Google Pay, Apple Pay)

• Strong payment gateway functionality for subscriptions

• Low fixed processing fee

✖ Cons:

• Requires a merchant account

• Not ideal for in-person payments

Best for: Online businesses needing a scalable payment processing solution.

3. Adyen

Adyen is a powerful global payment processing solution for enterprises.

✔ Pros:

• Accepts local payment methods worldwide

• Unified payment gateway for online payments, mobile payments, and in-person payments

• Competitive processing fee

✖ Cons:

• Complex setup

• Higher monthly fees

Best for: Large businesses with a global customer base.

4. Wise (Formerly TransferWise)

Ideal for businesses needing low-cost international transactions.

✔ Pros:

• Low-cost currency conversion

• Supports bank transfers and card payments

• No hidden fees

✖ Cons:

• Limited payment options compared to full payment gateways

Best for: Freelancers and SMEs making cross-border payments.

5. Square

A great payment gateway for businesses needing in-person payments and online payments.

✔ Pros:

• Simple pay-as-you-go pricing

• Supports Apple Pay, Google Pay, and credit card payments

• No setup fees

✖ Cons:

• Limited international payment gateway support

Best for: Retailers and small businesses needing a hybrid solution.

6. Worldpay (FIS Global)

A leading global payment gateway with extensive payment methods.

✔ Pros:

• Supports alternative payment methods

• Strong fraud protection

• Multi-currency processing

✖ Cons:

• Higher transaction fees

• Long-term contracts

Best for: Large enterprises processing high volumes of international transactions.

7. Payoneer

Great for freelancers and businesses needing cross-border transactions.

✔ Pros:

• Low-cost international payments

• Supports local currency payouts

• Easy business account setup

✖ Cons:

• Limited payment gateway functionality

Best for: Freelancers and digital service providers.

How to Choose the Best International Payment Gateway for Your Business

When selecting a new payment gateway, ask:

🔹 Which countries do I sell to? (Ensure support for local payment methods.)
🔹 What are the fees? (Compare fixed processing fee, monthly fees, and currency conversion costs.)
🔹 Does it support my business model? (E.g., recurring payments, mobile payments.)
🔹 How secure is it? (Look for PCI compliance and fraud protection.)
🔹 Can it integrate with my systems? (Check compatibility with accounting software and eCommerce platforms.)

Selecting the best international payment gateway in 2025 depends on your business needs, target markets, and payment processing requirements.

For global payment processing solutions, Stripe and Adyen are excellent for scaling businesses, while PayPal remains a trusted choice for SMEs. If you need low-cost cross-border payments, Wise and Payoneer are strong contenders.

By choosing a payment gateway that supports multiple currencies, secure transactions, and customer’s local currency, you can boost international sales and streamline global payment operations.

Which international payment gateway providers are you considering for your business? Let us know in the comments!