Best eCommerce payment solutions for small businesses

Table of Contents

Share On:

Best eCommerce payment solutions for small businesses

Table of Contents

Share On:

In the ever-evolving world of online commerce, choosing the right payment solution is crucial to eCommerce success. The continuous growth of e-commerce provides tremendous opportunities for entrepreneurs to build their online presence and reach a wider customer base.

Setting up an eCommerce Script business is not always easy, and one factor that affects success is the payment solution. 

Apart from considering security and currency options, you must also evaluate whether to enable manual payment methods and decide between local or global payment solutions to best cater to your customers’ needs. Making the right choice can significantly impact your business’s efficiency and customer satisfaction.

In this article, we’ll talk about the manual payment solutions, global online payment methods, and the best payment gateways for specific locations.

Manual payment solutions

Manual payment methods are the ones that transactions happen outside of an online store. The most used manual payment method is cash on delivery which includes several payment options and types.

Cash on Delivery (COD)

COD is a widely used manual payment method, especially in regions where online payment adoption is still developing or traditional payment methods are preferred. Cash on delivery is a widely used payment model in India

With COD payment method, customers have the option to pay in cash when the order is delivered to their doorstep. This method can help small businesses reach customers who are hesitant to provide their card details online or those without access to digital payment options.

ecommerce payment

With cash on delivery, retailers can collect payments in various types like:

  • Cash payment
  • Card payment
  • Mobile payment
  • Check payment
  • Online bank transfer
  • Digital wallet
  • Partial deposit

One of the use cases of cash on delivery is for the orders with “Order on WhatsApp”. 

Order on WhatsApp is a button that, depending on an eCommerce platform’s offers, is usually placed on the product page.

When a customer decides to order the product, he clicks on the order on the WhatsApp button. This redirects the customer to WhatsApp and opens a chat to concat with the seller.

Customer and seller communicate upon the delivery time and payment type, which is usually one of the options of cash on delivery mentioned above.

The process of paying and collecting payments for the orders with cash on delivery is simple:

  1. When placing an order at the checkout page, a customer chooses cash on delivery as a payment option. 
  2. Once a retailer receives an order, he prepares, and ships an item to the customer’s address.
  3. In exchange for the goods at the time of delivery, the delivery personnel receives cash, a check, or a money order from the customer and then passes the payment back to the seller.

Best payment gateways based on geo-locations

For small businesses operating in specific regions or countries, integrating local payment solutions can significantly help their eCommerce businesses.

Local payment gateways are designed to cater specifically to the needs and preferences of the local market, offering a range of benefits that can significantly improve the payment experience for both the seller and the customer.

The key benefits of local payment solutions are:

  • Customer convenience
  • Faster settlements of funds
  • Lower transaction costs
  • Compliance and regulations
  • Improved trust and credibility
  • Localized features

Here are some examples of local payment solutions in different regions that you can use to accept payments in your online store.

Best Local Payment Solutions in United States


PayPal is an online payment platform that allows businesses to receive money electronically. 

It is one of the most popular and widely recognized online payment platforms globally. Many customers feel more secure using PayPal as it provides an additional layer of protection for their financial information during transactions.

PayPal operates in numerous countries and supports multiple currencies. By accepting PayPal, online businesses can easily cater to international customers and expand their reach to a broader audience.

PayPal’s fees begin at 3.49% + $0.49 per transaction. PayPal’s fees vary depending on your location and the type of transaction. Find more information about PayPal fees.


Stripe is an online payment processing platform that helps businesses accept payments over the internet. It simplifies the process of handling online transactions and allows companies to securely receive payments from customers using various payment methods.

Stripe supports various payment methods, including credit cards, debit cards, digital wallets, and other online payment options.

Stripe supports multiple payment methods, including credit cards, debit cards, digital wallets (e.g., Apple Pay, Google Pay), and local payment methods. By offering diverse payment options, businesses can cater to a broader customer base and enhance the checkout experience for their users.

Stripe also operates in numerous countries and accepts multiple currencies, allowing businesses to accept payments from customers worldwide. This global presence makes it ideal for businesses with an international customer base.

Stripe charges fixed 2.9% + 30¢ per successful card charge. Learn more about Stripe pricing. is an online payment method that offers a versatile choice of plans for businesses of all sizes. It supports a wide range of currencies, as well as all major credit cards and digital wallets. accepts transactions from shoppers worldwide, making it a convenient option for businesses looking to accept payments from customers around the world.

One thing to keep in mind about is that to integrate it on your website, your business must be registered in Canada, Europe, Australia, the US, or the UK. This may limit its availability for some businesses. 

Additionally, offers a merchant account and fast transfers, which can be useful for managing your finances and moving funds quickly.’s pricing plans start at $25 per month with a fixed 2.9% + 30¢ per transaction fee.


Adyen is a global payment service provider that offers a unified payment solution that enables merchants to accept a wide range of payment methods, including credit cards, debit cards, e-wallets, bank transfers, and more. 

Adyen allows you to customize payment flows, layouts, advertising, languages, tax, tipping, receipts etc., and makes it easier to apply discounts, rewards and one-click payments using payment-linked data.

For each transaction, Adyen charges a fixed processing fee of €0.11 + a fee determined by the payment method. Other Adyen products, besides payment methods, are priced separately. Learn more about Adyen’s pricing.

Best Local Payment Solutions in Latin America 

Mercado Pago

Mercado Pago is a popular local payment solution in LA, particularly in countries like Argentina, Brazil, Chile, Colombia, Mexico, Peru, and Uruguay, and it supports the local currency of each country. Mercado Pago is the largest Latin American fintech company operating in the region that has more than 1.5 million users in the country in Chile alone.

Mercado Pago offers a comprehensive platform that allows businesses to accept various payment methods, including credit cards, debit cards, bank transfers, and cash payments through affiliated locations. 

Mercado Pago currently accepts local currencies. Businesses in Argentina, Brasil, Chile, Colombia, Mexica, Peru, and Uruguay can accepts payments in Argentine Peso (ARS), Brazilian Real (BRL), Chilean Peso (CLP), Colombian Peso (COP), Mexican Peso (MXN), Peruvian Sol (PEN), and Uruguayan Peso (UYU).

You can check out their costs with respective payment tools on Mercado Pago pricing page.

Best Local Payment Solutions in Europe


Vipps is a popular local payment solution in Norway, catering to the needs of businesses and consumers alike. As of 2022, Vipps had 4.2 million users in Norway (total population: 5.4 million).

Vipps enables businesses to accept payments through the app, making it easier for them to connect with tech-savvy customers and offer a seamless checkout experience. 

Vipps caters mainly to users residing in Norway and exclusively facilitates transactions in Norwegian Krone (NOK). To utilize Vipps, individuals typically need a Norwegian social security number, a Norwegian bank account, and a Norwegian mobile phone number.

Regarding the pricing, ​if your annual Vipps turnover is less than NOK 10 million:

  • Transaction fee: 2.49% of the transaction amount
  • Additional fixed fee: NOK 1 per transaction

And, if your annual Vipps turnover is more than NOK 10 million:

  • Transaction fee: 1.99% of the transaction amount
  • Additional fixed fee: NOK 1 per transaction

For more information, visit Vipps price list page. 

Nets Easy

Nets Easy is a payment solution operating in Northern Europe, offering a user-friendly and secure online payment platform. It allows small businesses in the region to accept various payment methods, including credit cards and bank transfers, providing customers with a convenient and seamless checkout experience.

With its focus on simplicity and accessibility, Nets Easy enables businesses to reach a broader audience and enhance their e-commerce capabilities within the European market.

Nets Easy works in all European countries with the currencies Danish Krone, (DKK), Euro (EUR), Pound sterling (GBP), Norwegian Krone (NOK), Swedish Krona (SEK), United states Dollars (USD), Polish Zloty (PLN), Swiss Franc (CHF), and Czech Koruna (CZK).

Here is the pricing information for transactions made with Visa/Dankort and MasterCard/Visa Debit through Nets Easy payment gateway:

For Visa/Dankort transactions:

  • Transaction fee: 0.31% of the transaction amount
  • Additional fixed fee: DKK 0.54 per transaction

And, for MasterCard and Visa Debit transactions:

  • Transaction fee: 0.70% of the transaction amount
  • Additional fixed fee: DKK 0.50 per transaction


Mollie is a leading payment service provider based in Europe, offering a seamless and reliable payment solution for businesses in the region. It supports various European payment methods, including iDEAL, SEPA Direct Debit, credit cards, and more.

With Mollie, businesses can easily integrate multiple payment options into their websites, providing customers with a smooth and localized checkout experience. Its user-friendly platform and competitive pricing make it an excellent choice for small businesses looking to accept payments from customers across Europe.

Mollie allows you to accept payments in Austria, Belgium, France, Germany, Italy, the Netherlands, and the United Kingdom.

You can check Mollie’s supported currencies and payment methods in its documentation.

Mollie’s pricing depends on the market (country) and payment method (Mastercard, Visa, American Express, etc.). 

Best Local Payment Solutions in Africa


Flutterwave is a prominent payment gateway based in Nigeria that operates across Africa, offering a seamless and secure platform for online payments. It enables businesses to accept payments from customers using various payment methods, including credit and debit cards, bank transfers, and mobile money. 

Flutterwave’s extensive coverage across the continent makes it a valuable solution for businesses looking to tap into the African market and serve customers with diverse payment preferences.

Flutterwave allows businesses to accept payments in Nigeria, Ghana, Kenya, South Africa, Uganda, Tanzania, United States, United Kingdom, and the rest of Europe.

You can check out the latest list to know more about the currencies you can charge cards in Flutterwave.

Flutterwave’s pricing also depends on the country and regions. For instance, for the United States the cost of local (card) transactions is 2.9% per transaction whereas it’s 3.8% per international transaction.


Paystack is a leading payment gateway in Africa, headquartered in Nigeria. It enables businesses to accept online payments seamlessly from customers across the continent. With support for various payment methods, including card payments, mobile money, and bank transfers, Paystack has played a crucial role in facilitating e-commerce growth in the region. 

Its user-friendly interface, robust security measures, and dedicated customer support have made it a popular choice for businesses seeking to tap into the thriving African market. In 2020, Paystack was acquired by Stripe, further solidifying its position as a key player in the African fintech landscape.

In Paystack, by default international payments are charged and settled to you in your local currency. Paystack allows you to accept payments in Ghanaian Cedi (GHS), Nigerian Naira (NGN, USD), and South African Rand (ZAR).

To know more about receiving international payments in USD please read this article: Can I accept payments in USD?

Regarding the pricing, Paystack takes 1.5% + NGN100 for local and 3.9% + NGN100 for international transactions in Nigeria. For Ghana and South Africa, the pricing changes.


Yoco is another popular payment solution in Africa, particularly in South Africa. It enables small businesses to accept card payments through mobile point-of-sale (mPOS) devices, making it convenient for both merchants and customers. 

Yoco’s user-friendly platform and reliable transaction processing have made it a preferred choice for many businesses in the region, helping them expand their customer reach and boost sales. Additionally, Yoco offers valuable insights and analytics to help merchants make informed business decisions.

With Yoco, you can only accept payments in South African Rands (ZAR). 

Yoco’s pricing model is straight and simple. As you sell more, the less your business is charged for the transaction fees. The transaction fees start form 2.95% 

Best Local Payment Solutions in Asia:


Razorpay is a leading payment gateway in India, offering comprehensive payment solutions for businesses operating in the Asian market. It supports various payment methods, including credit and debit cards, net banking, UPI, and popular digital wallets like Paytm, Google Pay, and PhonePe.

With its user-friendly interface and seamless integration options, Razorpay enables businesses to accept payments online efficiently and securely. Its advanced features, such as smart routing and instant refunds, make it a preferred choice for small businesses looking to cater to the diverse payment preferences of Asian customers.

Razorpay allows you to accept payments from your customers in more than 100 foreign currencies using Razorpay’s Payment Gateway and other products such as Payment Pages, Payment Button, Payment Links and Invoices.

Currently, Razorpay supports a host of currencies, including Indian Rupee (INR), United States Dollar (USD), Euro (EUR), and Singapore Dollar (SGD).

You can check the latest list of supported currencies here: Razorpay supported currencies

With Razorpay, you can accept payments starting from 2%. For other payment methods and their respective costs, check Razorpay’s pricing.

Mamo Pay

Mamo Pay is a prominent local payment solution operating in the Middle East region. Based in the United Arab Emirates, Mamo Pay enables businesses and individuals to make peer-to-peer transfers and merchant payments with ease.

With a focus on providing a secure and convenient payment experience, Mamo Pay supports various local payment methods and currencies, making it an ideal choice for businesses looking to cater to customers in the Middle East. Its user-friendly platform and commitment to compliance have contributed to its popularity as a reliable payment option in the region.

Currently, Mamo Pay supports three currencies: United Arab Emirates Dirham (AED), United States Dollar (USD), and Euro (EUR). However, regardless of the currency used for the transaction, all payments will be settled in AED.

Mamo Pay has 3 pricing plans: Growth, Premium and Enterprise (custom). 

Mamo Pay’s free Growth Plan charges 2.9% plus AED 1 for local UAE card transactions and 3.4% plus AED 1 for international card transactions.

How to choose payment solutions? 

For global sellers

If you are selling internationally, the considerations for choosing a payment solution become a bit more critical. 

Here are the key factors to consider when choosing a payment solution:

Multi-currency support: Ensure that the payment solution supports multiple currencies, as customers from different countries will be making purchases in their local currencies. This feature will eliminate any confusion about exchange rates and currency conversions.

Language and localization: The payment solution should be available in multiple languages to cater to customers who may not be proficient in English. Additionally, the checkout process should be localized and user-friendly for customers from different regions.

Global customer support: Since you’ll be dealing with customers from various time zones, having 24/7 global customer support from your payment provider can be extremely beneficial.

Settlement periods: Check the settlement periods for international transactions, as these can vary depending on the payment solution and the countries involved. Quick settlements can help with cash flow management.

Expansion capabilities: As your international sales grow, you might consider expanding to new markets. Ensure that the payment solution has coverage in the regions you plan to target in the future.

For local sellers

If you sell locally, there are several important factors to consider to ensure smooth and secure transactions.

Support for local currencies: If you’re selling locally, it’s essential that your payment solution supports the local currency to avoid any currency conversion issues and make the purchasing process smoother for your customers.

Payment processing time: Check the payment processing time for each solution. Fast payment processing can lead to better customer experience and quicker order fulfillment.

Compliance and regulations: Ensure that the payment solution complies with local and international regulations, especially regarding data protection and privacy laws.


In conclusion, finding the best eCommerce payment solutions for small businesses is a crucial step in establishing a successful online venture. The right payment solution can significantly impact customer satisfaction, security, and overall business performance.

The best eCommerce payment solution for a small business will be one that strikes the right balance between security, ease of use, affordability, and customer-centric features. By choosing wisely, small businesses can create a solid foundation for growth, foster customer loyalty, and unlock the full potential of their online ventures in the competitive world of e-commerce.

Written By

Mayur Bhatasana
Mayur Bhatasana
Co.Founder & CEO @Jeenam infotech LLP || I help B2B & SaaS startups to achieve insane ranking through link building 🚀

Ready to Skyrocket Your Link-Building Game?

Related Posts

Know us

Increase your brand's profile and drive your company to a new level of online visibility with the help of our professional SaaS link building services.

Contact Us

© 2020-24 Jeenam Infotech LLP . All Rights Reserved

Why should I hire a Best SaaS Link Building Agency?

The best way to build links is by setting up a saas link building agency.

A saas link building agency is a specialized team of professionals who do nothing but build links for you. They'll find high-quality links for you, then work to get them indexed on the major search engines so that you can easily track them down and use them for SEO purposes.

When you hire a saas link building agency, you're working with an experienced team of experts who know exactly what they're doing and how to get it done.

This means that you'll have more time to focus on other areas of your business—and more importantly, they'll be able to deliver results quickly without wasting too much time or money on setup.

White hat link building companies like Jeenam have a massive network of relationships with publishers, bloggers, and website owners, so we can get your business the links it needs to rank higher in search results.

Advantages Of SaaS link Building Services

The link building skills at Jeenam InfoTech are unparalleled. The number of visitors to our SaaS company's website increased by 300%, which ultimately led to a rise in both new customers and income. They are the best choice for quick expansion. Our website's exposure and online reputation went up a lot. When it comes to link building, no one does it better than this company. We highly recommend their services.

We were totally blown away. The link development tactics implemented by Jeenam InfoTech increased domain authority by 50%. Our SaaS product gained immense credibility, attracting top-tier clients.

Jeenam InfoTech's the link building team-building efforts brought a 4x increase in leads with fantastic work and unparalleled efficiency. It's because of their incredible efforts that the organic growth of our SaaS platform is multiplying.

Jeenam InfoTech completely changed our business. Their skill at creating valuable backlinks has led our SaaS company to the top search results. We've built a strong client base and are now unrivaled in the marketplace.

Niche Edits SaaS Links

Discover the potential of Niche Edits SaaS Links to completely transform your business and take control of the digital environment.

Gain a competitive edge with our niche edits SaaS links service. Niche edits, also known as curated links, are a powerful way to obtain contextual backlinks from established articles within your industry.

Our link building process identifies relevant and authoritative articles and skillfully inserts your website's link into the existing content. This method ensures that your backlinks blend seamlessly with the context, enhancing their value and authority.

With niche edits SaaS links, your website gains a significant boost in rankings, visibility, and credibility, putting you ahead of the competition in the ever-evolving digital landscape.

Blogger Outreach

Do you want to boost your visibility on the internet? Learn more about the effectiveness of our Blogger Outreach. Our blogger outreach service seamlessly integrates influencer marketing with link building to elevate your brand's visibility and authority.

By connecting with influential bloggers in your niche, we build meaningful relationships that result in high-quality backlinks.

Your brand will be featured on relevant blogs, enabling you to tap into new audiences and drive targeted traffic to your website.

Whether it's through engaging product reviews, sponsored posts, or collaborative content, our blogger outreach strategy amplifies your reach and secures valuable links that boost your website's search engine rankings and industry credibility.

Content Marketing 

Leverage the power of content marketing to give your link-building efforts and your online success a boost with content marketing. Our content marketing solution takes a data-driven approach to the creation of material that is not only appealing but also instructive and easy to share.

We create content that connects with your readers by first gaining a grasp of your target demographic and the trends that are occurring within the industry. This helps to keep your readers interested and brings them back for more.

This content not only brings in organic backlinks but also solidifies your company's position as an industry thought leader, which in turn drives both brand recognition and brand loyalty.

Allow our team of experienced writers and marketers to develop a content marketing plan for you that differentiates you from the other businesses in your industry and increases the visibility of your website.

Guest Post Link building

Boost your internet visibility with the help of our guest post link building service. We work together with websites that are considered to be authorities in the field you work in to create well designed and interesting guest posts that highlight your area of expertise.

These postings feature backlinks that have been placed effectively, which will drive visitors to your site and increase its search engine results.

Our outreach team focuses on websites that have a high domain authority, which helps to ensure that your brand is exposed to an audience that is interested in it and receptive to it.

Our strategy for developing links through guest posts is an effective method for establishing your authority in the field since it places extreme value on the delivery of good content.

Broken link Building 

Discover the hidden potential of broken link building! Our link building strategy identifies broken links on reputable websites and capitalizes on this opportunity.

We'll create valuable content that replaces the broken link and then reach out to the webmasters, presenting the solution to improve their site's user experience.

By offering a win-win scenario, we secure relevant high-quality backlinks for your website. This approach not only helps you build a robust backlink profile but also aids webmasters in maintaining the integrity of their content.

It's a highly effective link building process to enhance your website's authority while making the web a better place, one fixed link at a time.

Relationship Base link building 

The development of genuine connections with other sites in your sector is at the heart of our relationship-based approach to link development. The key to gaining high-quality backlinks, in our opinion, is to create good connections.

For mutually beneficial relationships, our employees will reach out to relevant websites, bloggers, and influencers.

Through strategic partnerships, we guarantee that your website will receive high-quality inbound links that will boost its search engine ranks and increase the number of organic visitors.

Our relationship-based strategy is a long-term link building process since it is founded on trust, credibility, and mutual respect.

Why Should I Hire A Best SaaS Link Building Agency?

SaaS link building Agency that drives insane rankings

Increase your brand's profile and drive your company to a new level of online visibility with the help of our professional SaaS link building services.

We are pleased to welcome you to our SaaS Link Building Agency, where we will use our powerful saas link building experts re-building method to take your organization to new peaks.

Our full saas link building strategy is an effective symphony of analysis, marketing, and link development designed to boost your online profile and leave your competitors in the dust.