Low Risk and High Risk Payment Gateways For eCommerce

The world of eCommerce is ever-evolving, and so are the payment gateways available to online retailers. With the various payment methods, types, and providers, it can be challenging to determine which will best suit your needs. Although all payment services are designed to accept payments from customers in exchange for goods or services, they differ in terms of fees, security measures, user experience, and more.

To make things easier for you when selecting a payment gateway for your eCommerce website, we have divided them into low and high risk gateways.

Low Risk Payment Gateways For eCommerce

There are many options for low risk gateways that can help you accept payments from customers in a secure and reliable manner. Some of the most common low risk payment gateways include PayPal, Stripe, Authorize.net, and Apple Pay. These services typically offer competitive rates for processing payments and are generally considered to be safe and secure.

PayPal is one of the longest-running online payment services out there, used by millions of businesses worldwide. It allows you to quickly set up a merchant account where you will receive customer payments via credit card or bank transfer. The service charges a transaction fee for each payment it processes but does not charge any monthly subscription fees.

Stripe is another popular option among eCommerce websites due to its ease of use, flexibility, and low cost. It processes payments in more than 135 currencies and supports various payment methods, including credit cards, debit cards, Apple Pay, and more. The service also offers advanced fraud protection features to help you detect suspicious activity on your website.

Authorize.net is likewise a popular choice for businesses looking for low-cost payment processing solutions. This gateway accepts payments from major credit cards and bank transfers but charges additional fees for international transactions or recurring payments.

Also read: Payment Gateways For SaaS: A Comparative Analysis

High Risk Payment Gateways

As the name implies, high risk gateways pose higher risks when it comes to fraudulent activities or chargebacks. As such, they tend to be more expensive than their low risk counterparts, but they can be a necessary evil for certain businesses. High risk payment gateways typically have higher fees and more stringent fraud protection measures.

One of the most popular high risk gateways is 2Checkout, which many online retailers use to accept payments from customers worldwide. This gateway charges a flat fee for each transaction plus an additional fee for international and recurring payments. It offers advanced security features such as 3D secure technology, IP address verification, and more.

Another widely used high risk gateway is Skrill, which supports multiple currencies and allows businesses to accept payments via credit card or bank transfer. The service also offers fraud prevention tools to help you detect suspicious activities on your website. However, it does charge a transaction fee for each payment it processes and may require additional verification before processing a payment.

Also read: Payment Gateway in South Africa That You Can Connect Seamlessly with SubscriptionFlow

10 Important Factors To Consider When Choosing A Payment Gateway For eCommerce

1. Cost: When selecting a payment gateway for your eCommerce website, it is important to compare fees and look for the most cost-effective option.

2. Security: Make sure that the payment gateway you choose has adequate security measures to protect your customers’ data from theft or fraud.

3. User Experience: It is essential to select a payment service that provides an easy and seamless checkout experience for your customers.

4. Payment Methods: Choose a provider that supports all the major payment methods and can accommodate any currency preferences you may have.

5. Fraud Prevention Tools: Look for gateways with advanced fraud prevention tools such as IP address verifications and 3D secure technology to protect your business from fraudulent transactions.

6. International Payments: If you plan to accept international payments, make sure the payment gateway you choose offers support for those currencies and can process the payments securely.

7. Payment Timing: The speed of a payment gateway is often an important consideration when selecting one for your eCommerce website. Make sure to find out how long it takes for payments to be processed and whether there is a fee associated with expedited processing times.

8. Mobile Support: Ensure that the payment gateway you select has mobile compatibility so customers can complete their purchases on any device.

9. Customer Service & Support: It is essential to select a provider that offers reliable customer service and technical support in case you encounter any issues with your payment gateway.

10. Integration: It is also essential to ensure that the payment gateway you choose can be easily integrated into your eCommerce website and provides a secure connection for customers when making a purchase.


With so many payment gateways available, it cannot be easy to select the right one for your business. By considering all of these factors, you will be able to find the best solution that meets your needs and budget while providing an optimal checkout experience for your customers. Ultimately, the right choice will depend on the size of your business and budget and the types of customers you’re working with.

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