Business, Startups & Finance

Best Low‑Cost Payment Gateway Software for Startups

Curated list of affordable, feature‑rich payment gateway solutions ideal for early‑stage startups.

ID: 3989
Items: 20
Total Votes: 0
Forks: 0
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Stripe

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Developer‑friendly API, pay‑as‑you‑go pricing, extensive docs, and built‑in support for subscriptions and marketplaces.

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PayPal Business

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Widely recognized brand, simple integration, no monthly fees, and per‑transaction pricing suitable for low‑volume startups.

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Square

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All‑in‑one solution with online checkout, invoicing, and POS; flat‑rate transaction fees and no setup costs.

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Braintree

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PayPal‑owned platform offering free gateway, transparent per‑transaction fees, and support for multiple payment methods.

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Razorpay

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India‑focused gateway with low per‑transaction fees, easy SDKs, and built‑in support for UPI, wallets, and cards.

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Paystack

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African payment gateway with simple pricing (1.5% + ₦100 per transaction) and quick onboarding for startups.

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Flutterwave

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Cross‑border African gateway offering low fees, multiple local payment options, and a robust API.

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Mollie

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European gateway with pay‑per‑transaction pricing, no monthly fees, and support for SEPA, iDEAL, Bancontact, and more.

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Adyen

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Global processor with a transparent pricing model; ideal for startups planning rapid international expansion.

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PayU

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Emerging‑market focused gateway with competitive rates and localized payment methods across LATAM, Asia, and Europe.

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2Checkout (Verifone)

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Simple integration, global coverage, and a 3.5% + $0.35 per transaction fee structure for low‑volume merchants.

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Authorize.Net

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Legacy gateway with flat‑rate pricing options, robust fraud tools, and easy integration for SaaS startups.

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Payoneer

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Cross‑border payouts and payment collection with low fees for international freelancers and marketplaces.

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WePay

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Integrated payments for platforms, offering transparent per‑transaction fees and quick onboarding via API.

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Checkout.com

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Modern gateway with competitive pricing, multi‑currency support, and advanced analytics for scaling startups.

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Paytm for Business

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India’s leading wallet and UPI gateway, low transaction fees, and easy QR‑code checkout for early‑stage apps.

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Instamojo

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Simple payment links and checkout for Indian startups, flat 2% + ₹3 per transaction fee.

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PayFast

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South African gateway with no monthly fees, 2% per‑transaction cost, and support for cards, EFT, and wallets.

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Paysera

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European gateway offering low‑cost SEPA transfers and card payments, with a 0.5% + €0.25 fee per transaction.

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Payline

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French payment gateway with transparent per‑transaction pricing, no setup fees, and multi‑currency support.