Best Payment Gateways in 2026
Updated
In short: Google Pay is ranked #1 of 62 as of 5 October 2026, ahead of Instamojo and Mollie. The best-ranked option with a free plan is Instamojo. The lowest first paid tier on this page is Mollie at €9/mo.
Payment gateways help businesses accept and route payments through the methods and markets they need to serve. Compare payment methods, supported currencies, and payout countries to check geographic and transaction fit. If you run a platform or offer subscriptions, marketplace payments and recurring payments may matter; API and SDK coverage can help you assess integration options. Free-plan availability and paid-from pricing add cost details to weigh. Google Pay, Instamojo, and Mollie are among the named options to consider. Think through where customers will pay, how funds need to move, and which payment flows your business must support.
62 payment gateways ranked on what their makers publish — plans and prices, free tiers, platforms and the facts on their own pages.
8 of the 25 here have a free tier you can use, 0 have open-source code on record, and 0 have full bars: free, open, on most of your devices and documented.
| # | App | Signal | Free tier | Open code | Devices | From | Score |
|---|---|---|---|---|---|---|---|
| 1 | Google PayWeb · Android · iPhone | Three bars | — | 3 of 6 | Free | 6.6 | |
| 2 | InstamojoWeb · Android · iPhone | Three bars | — | 3 of 6 | ₹416.58/mo | 6.6 | |
| 3 | MollieWeb · Android · iPhone · API | Three bars | — | 3 of 6 | €9/mo | 6.6 | |
| 4 | PayPal InvoicingWeb · Android · iPhone | Three bars | — | 3 of 6 | Free | 6.6 | |
| 5 | Cashfree Payment GatewayWeb · Android · iPhone · API | Three bars | — | 3 of 6 | — | 6.5 | |
| 6 | Checkout.comWeb · Android · iPhone · API | Three bars | — | 3 of 6 | Free | 6.5 | |
| 7 | PayseraWeb · Android · iPhone · API | Three bars | — | 3 of 6 | Free | 6.5 | |
| 8 | PaystackWeb · Android · iPhone · API | Three bars | — | 3 of 6 | Free | 6.5 | |
| 9 | NMIWeb · Windows · Linux · Android · iPhone · API | Two bars | — | — | 5 of 6 | — | 5.8 |
| 10 | Elavon ConvergeWeb · Windows · Mac · Android · iPhone · API | Two bars | — | — | 5 of 6 | — | 5.7 |
| 11 | ACI Pay.ONWeb · Android · iPhone · Self-hosted · API | Two bars | — | — | 3 of 6 | — | 5.5 |
| 12 | PayTraceWeb · Android · iPhone · API | Two bars | — | — | 3 of 6 | — | 5.5 |
| 13 | 2C2PWeb · Android · iPhone | One bar | — | — | 3 of 6 | — | 5.4 |
| 14 | Easebuzz Payment GatewayWeb · Android · iPhone | One bar | — | — | 3 of 6 | — | 5.4 |
| 15 | XenditWeb · Android · iPhone | One bar | — | — | 3 of 6 | — | 5.4 |
| 16 | Bank Muamalat Payment GatewayWeb | One bar | — | — | 1 of 6 | — | 5.3 |
| 17 | Computop PaygateWeb · Android · iPhone | One bar | — | — | 3 of 6 | — | 5.3 |
| 18 | DPO PayWeb · Android · iPhone | One bar | — | — | 3 of 6 | — | 5.3 |
| 19 | HyperPayWeb · Android · iPhone | One bar | — | — | 3 of 6 | — | 5.3 |
| 20 | Mastercard Transaction Risk ManagementWeb | One bar | — | — | 1 of 6 | — | 5.3 |
| 21 | CybersourceWeb | No signal | — | — | 1 of 6 | — | 5.2 |
| 22 | NummuspayWeb | No signal | — | — | 1 of 6 | — | 5.2 |
| 23 | TransactWorldWeb | No signal | — | — | 1 of 6 | — | 5.2 |
| 24 | AdyenWeb · Android · iPhone · API | Two bars | — | — | 3 of 6 | — | 5.1 |
| 25 | BillDeskWeb | No signal | — | — | 1 of 6 | — | 5.1 |
Compare all 25 in a table
| # | App | Score | Free plan | From | Free plan | Paid from | Payment methods | Supported currencies |
|---|---|---|---|---|---|---|---|---|
| 1 | Google Pay | 6.6 | Free plan | Free | Yes | — | — | — |
| 2 | Instamojo | 6.6 | Free plan | ₹416.58/mo | Yes | — | UPI, debit and credit cards, net banking, wallets, EMI, pay later, NEFT and bank transfer | 1 |
| 3 | Mollie | 6.6 | Free plan | €9/mo | No | — | Credit/debit cards; BANCOMAT Pay; Bancontact; Belfius Pay Button; Bizum; BLIK; EPS; iDEAL; KBC Payment Button; MB Way; Multibanco; MyBank; Pay by Bank; Przelewy24; Satispay; SEPA Bank Transfer; TWINT; SEPA Direct Debit; Alma; Billie; in3; Klarna; Riverty; gift cards; paysafecard; vouchers; Apple Pay; Google Pay; PayPal; point of sale | 28 |
| 4 | PayPal Invoicing | 6.6 | Free plan | Free | Yes | — | PayPal, Venmo, credit and debit cards, digital wallets, bank transfers, vouchers, buy now pay later, cryptocurrency | 130 |
| 5 | Cashfree Payment Gateway | 6.5 | No | — | — | — | UPI, cards, net banking, wallets, EMI, BNPL, Pay Later, international cards, PayPal | 140 |
| 6 | Checkout.com | 6.5 | Free plan | Free | No | — | major card schemes; direct debit; voucher payment schemes; digital wallets; bank transfers | — |
| 7 | Paysera | 6.5 | Free plan | Free | Yes | — | — | — |
| 8 | Paystack | 6.5 | Free plan | Free | — | — | cards, bank accounts, bank transfers, USSD, Apple Pay, Google Pay, Visa QR, mobile money, POS | 6 |
| 9 | NMI | 5.8 | No | — | — | — | Visa, Mastercard, Discover, American Express, Diners Club, China UnionPay, JCB, Apple Pay, Google Pay, ACH and bank transfers | — |
| 10 | Elavon Converge | 5.7 | No | — | — | — | Debit cards, credit cards, electronic checks, PayPal, Apple Pay, Visa Checkout, Masterpass | — |
| 11 | ACI Pay.ON | 5.5 | No | — | — | — | Cards, digital wallets, alternative payment methods | — |
| 12 | PayTrace | 5.5 | No | — | — | — | Credit and debit cards; ACH | — |
| 13 | 2C2P | 5.4 | No | — | — | — | Cards, digital wallets, bank transfers, QR payments, over-the-counter payments, instalments, buy now pay later | — |
| 14 | Easebuzz Payment Gateway | 5.4 | No | — | — | — | Cards, UPI, wallets, net banking, EMI, BNPL; international options subject to approval | 30 |
| 15 | Xendit | 5.4 | No | — | — | — | Cards, virtual accounts, bank transfers, e-wallets, QR codes, direct debit, retail outlets, online installments | — |
| 16 | Bank Muamalat Payment Gateway | 5.3 | No | — | — | — | Credit and debit cards: MyDebit, Visa and Mastercard | — |
| 17 | Computop Paygate | 5.3 | No | — | — | — | Credit and debit cards, PayPal, Apple Pay, Google Pay, Amazon Pay, Klarna, SEPA Direct Debit, iDEAL, girocard, eps, TWINT, Wero, Przelewy24, paysafecard and bank transfers | — |
| 18 | DPO Pay | 5.3 | No | — | — | — | Credit cards, debit cards, bank transfers, mobile money, PayPal, M-Pesa, Tigo Pesa, Airtel Money, MTN | — |
| 19 | HyperPay | 5.3 | No | — | — | — | Visa, MasterCard, PayPal, OneCard, CashU, PaySafeCard, AMEX, SADAD | — |
| 20 | Mastercard Transaction Risk Management | 5.3 | No | — | — | — | — | — |
| 21 | Cybersource | 5.2 | No | — | — | — | Credit cards; debit cards; digital wallets; eWallets; bank transfers; direct debits; installment payments; cash | — |
| 22 | Nummuspay | 5.2 | No | — | Yes | — | PayPal, Apple Pay, Visa Checkout, Masterpass, Alipay, Boleto Bancário, Giropay, iDEAL, Paysafecard, SEPA, Skrill, Nets, Sofort, WebMoney, ACH, eCheck, bank transfer, wire transfer, credit and debit cards | — |
| 23 | TransactWorld | 5.2 | No | — | — | — | Credit cards, debit cards, alternative payment methods | — |
| 24 | Adyen | 5.1 | No | — | No | — | ACH Direct Debit, Afterpay, Alipay, American Express, Apple Pay, Bancontact, Blik, Carte Bancaire, China UnionPay, Clearpay, Diners, Discover, eftpos Australia, Girocard, Google Pay, iDEAL, JCB, Klarna, Maestro, Mastercard, MB Way, MobilePay, Multibanco, online banking, open banking, PayPal, PayTo, Trustly, TWINT, Vipps, Visa, WeChat Pay | 136 |
| 25 | BillDesk | 5.1 | No | — | — | — | Credit cards, debit cards, UPI, net banking, wallets, cash cards, e-NACH | — |
Is your app on this list?
Numbered spots on this list can be sponsored, and a sponsored row is labelled as paid.
Questions about this list
Which payment gateway is ranked first on Freedom251?
Google Pay is ranked #1 of 62 with a score of 6.6. Instamojo is second and Mollie third.
How many of these have a free plan?
7 of the 25 on this page publish a free plan on their own pricing pages.
Which is the cheapest paid option?
On this page, Mollie has the lowest first paid tier we found: €9/mo.
How is this list ranked?
Ranked free-and-open first: a usable free tier and open-source code, then the platforms it runs on and its documentation.