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What are the best online payments APIs?
11
Options
Considered
67
User
Recs.
Feb 11, 2023
Last
Updated
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8
Options
Considered
Best online payments APIs
Price
Last Updated
88
Stripe
-
Feb 11, 2023
81
Wepay
-
Jun 20, 2017
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Braintree
-
May 21, 2018
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Adyen
-
Mar 29, 2019
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Balanced
-
Sep 9, 2015
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88
Stripe
My Rec
ommendation
for
Stripe
My Recommendation for
Stripe
All
5
Pros
4
Cons
1
Top
Pro
•••
Very Easy to Setup
Stripe is very simple for developers to integrate into their application as it is a "works out of the box" solution with a fantastic API. The Stripe API is incredibly simple to setup, for example creating a new charge with Ruby is simply: require "stripe" Stripe.api_key = "vtUQeOtUnYr7PGCLQ96Ul4zqpDUO4sOE" Stripe::Charge.create( :amount => 400, :currency => "usd", :card => { :number => "4242424242424242", :exp_month => 1, :exp_year => 2014, :cvc => 314 }, :description => "Charge for test@example.com" )
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Top
Con
•••
They have very complicated and expensive pricing for marketplaces
See here.
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Top
Pro
•••
Very competitive fees
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Top
Pro
•••
Great Documentation
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Top
Pro
•••
Supports online marketplaces
Stripe have recently announced support for online marketplaces. This means a service can now enable their users to seamlessly collect payments using the Stripe API.
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Recommend
27
81
Wepay
My Rec
ommendation
for
Wepay
My Recommendation for
Wepay
All
5
Pros
4
Cons
1
Top
Con
•••
Flimsy tech
Based on people that I've spoken with their API doesn't work very well.
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Top
Pro
•••
Advanced Fraud Detection
WePay has developed world-class technology for detecting online fraud which takes the burdon off their customers. WePay utilizes their users social presence to establish identity and reputation which enables them to optimise risk and availability of funds. This results in fewer instances of merchants having to deal with chargebacks and drastically reduces the need to freeze accounts.
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Top
Pro
•••
Full Featured
Not only does WePay offer an API but they also provide a fully featured set of embeddable payment buttons. The payment buttons enable you to accept donations, sell tickets and host a store. Unlike Paypal, everything (including the checkout process) happens on your site, which helps to reduce churn by up to 50%.
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Top
Pro
•••
Customer Service
WePay takes a more holistic approach to customer service when compared to competitors such as Stripe as they provide full support to developers and payers. WePay has a great reputation for customer support and have a dedicated team to support their users over phone, live chat, and email.
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Top
Pro
•••
Simple Integration
The WePay API is simple to integrate yet flexible enough to handle multiple use cases. The API has the following use cases: Traditional Payment Gateway - Allows you to easily start accepting payments in your staging environment in minutes. No minimums, no contracts and none of the headaches traditionally associated with payment gateways. Marketplace - Creates financial accounts for your merchants, this allows developers not to have to worry about aggregation laws and other relegation red-tape. The API also allows two main options when it comes to the buyer checkout process: Hosted Checkout - WePay handles all the PCI requires for you. Integrated Checkout - Enables the developer to build and host the pages to fully integrate the payment service into their product. This is especially useful for mobile applications or businesses that want full control over the checkout experience.
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Recommend
21
1
--
Braintree
My Rec
ommendation
for
Braintree
My Recommendation for
Braintree
All
1
Cons
1
Top
Con
•••
Chargeback liability
Braintree holds marketplaces liable for chargebacks and disputes from their sub-merchants.
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Recommend
5
1
--
Adyen
My Rec
ommendation
for
Adyen
My Recommendation for
Adyen
All
1
Cons
1
Top
Con
•••
Focus on large-scale businesses
Minimum of €100/month in fees.
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Recommend
1
--
Balanced
My Rec
ommendation
for
Balanced
My Recommendation for
Balanced
All
1
Cons
1
Top
Con
•••
It shut down
Balanced has shut down and they are asking all their users to migrate to Stripe.
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Recommend
2
2
--
PayPal
My Rec
ommendation
for
PayPal
My Recommendation for
PayPal
All
6
Pros
4
Cons
2
Top
Con
•••
Expensive fees
Although PayPal won't charge you for buying items and services or sending money to friends and family, there are some fees that could be an additional cost. There are fees for getting paid/sending money as well as merchant fees.
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Top
Pro
•••
Extensive buyer protection
PayPal has a very strict policy on defending their users for fraudulent activities from vendors. If you are unhappy with an order or a transaction and are on your right, you can appeal to PayPal Support which will help you undo the transaction.
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Top
Con
•••
PayPal can freeze your funds
When your account is not verified, PayPal can decide to (temporarily) freeze all your funds until all proper documentation has been provided by the user. For example, European users who have received more than 2.500 EUR in a year will have their funds frozen until user identification is provided.
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Top
Pro
•••
Widely accepted as a payment method
PayPal is one of the most popular payment methods in the world and a bunch of different webshops and services accept PayPal payments.
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Top
Pro
•••
Easy and quick transfers
You can transfer money to other PayPal users simply by entering their email address and the amount you wish to transfer. Payments are instant and can also be sent to users who don't have a PayPal account yet.
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Top
Pro
•••
Has over 180 million users
PayPal is without a doubt the most popular peer-to-peer payment service and is widely represented with over 180 million users.
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Recommend
1
--
Splash Payments
My Rec
ommendation
for
Splash Payments
My Recommendation for
Splash Payments
All
9
Pros
9
Top
Pro
•••
Split payments for marketplaces
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Top
Pro
•••
You have the ability to become your own PayFac once payment volume exceeds 10M/month
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Top
Pro
•••
No chargeback liability for marketplace owners
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Top
Pro
•••
Simple pricing of 2.9% + $0.30 per transaction
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Top
Pro
•••
Recurring billing options
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Top
Pro
•••
Card number tokenezation
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Top
Pro
•••
Open to unique business types
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Top
Pro
•••
Easy to use
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Top
Pro
•••
Seamless onbarding for sub-merchants
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Recommend
2
--
Cloud9 Payment Gateway
My Rec
ommendation
for
Cloud9 Payment Gateway
My Recommendation for
Cloud9 Payment Gateway
All
5
Experiences
1
Pros
3
Cons
1
Top
Pro
•••
Competitive Pricing
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Top
Con
•••
No samples for Java provided, although if you are using JSON - it's perfection
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V.IZA's Experience
Integration can be done in a day.
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Top
Pro
•••
Lots of examples
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Top
Pro
•••
Swagger style OpenAPI documentation with live sandbox
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Recommend
1
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Pesapal
My Rec
ommendation
for
Pesapal
My Recommendation for
Pesapal
-
Recommend
1
--
UbexPay
My Rec
ommendation
for
UbexPay
My Recommendation for
UbexPay
-
Recommend
1
--
Pay2Ghar
My Rec
ommendation
for
Pay2Ghar
My Recommendation for
Pay2Ghar
0
Recommend
1
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