Which Payment Gateway Suits Your eLearning Business

Which Payment Gateway Should You Choose For Your eLearning Business?

In 2023, it is expected that the eLearning industry will continue to grow exponentially. As businesses expand, they need to ensure that their payment systems are secure and reliable. Choosing a payment gateway for your business can be daunting as there are many factors to consider. This article will discuss and analyze the top payment gateways for eLearning to make your decision much easier and better.


Integration: PayPal offers easy integration with any platform, and its API is simple. It also provides a wide range of plugins for ecommerce platforms such as Magento, WooCommerce, and Shopify.

Cost: PayPal charges 2.9% + $0.30 per transaction in the US. This fee may vary depending on your country and currency.

Multiple Currency Support: PayPal supports over 100 currencies, making it an ideal payment gateway for businesses operating globally or accepting payments from multiple countries.

Security: PayPal is one of the most secure payment gateways due to its multi-level authentication process, data encryption technology, and fraud protection services.

Customer support: Customer service representatives are available 24/7 via phone, email, and live chat.

Application approval: PayPal’s application process is fairly straightforward and takes just a few minutes to complete.

Chargeback & Dispute Management: PayPal offers an automated system to manage disputes and chargebacks. If a customer files a dispute or requests a chargeback, you can respond directly from your account dashboard.

Transaction failure handling: PayPal has a sophisticated system for handling failed payments that allows you to automatically retry the transaction up to five times before marking it as failed.


Integration: Stripe offers various integration options, from simple website plugins to advanced mobile applications. It integrates seamlessly with popular e-commerce platforms such as Shopify, BigCommerce, and WordPress. It also has excellent documentation and support for developers. The Stripe API enables developers to easily create custom integrations that fit their needs.

Cost: Stripe is a cost-effective payment solution with no setup or monthly fees. They charge a flat 2.9% + $0.30 per transaction fee. This rate is competitively priced compared to other payment processing solutions.

Multiple Currency Support: With Stripe, merchants can accept payments in multiple currencies, including US Dollars (USD), Euros (EUR), British Pounds (GBP), and Japanese Yen (JPY). This allows merchants to accept payments from customers worldwide without worrying about exchange rates or currency conversion fees.

Security: Stripe is committed to providing a secure payment processing solution. All data is encrypted using SSL technology and stored securely on their servers. They also adhere to all PCI-DSS compliance industry standards, ensuring that customer information is kept safe at all times.

Customer Support: Stripe provides 24/7 customer support through email, phone, and online chat. They offer an extensive help center with detailed documentation on how to set up and use their services. In addition, they have video tutorials and webinars available to help merchants get started with the platform.

Application Approval: Stripe has an automated application approval process that enables merchants to quickly approve their accounts so they can start accepting payments in minutes instead of days.

Chargeback & Dispute Management: Stripe offers a comprehensive chargeback and dispute management system where merchants can easily monitor and manage customer disputes. They also provide detailed information about chargebacks, including what caused them and how to resolve them.

Transaction Failure Handling: Stripe allows merchants to set up notifications for failed transactions so they can proactively address any issues before they become significant problems. They also have an advanced API that developers can use to customize the handling of failed transactions according to their specific needs.


Integration: Braintree provides an easy-to-use integration process with its mobile SDKs for iOS and Android. It supports development frameworks like Ruby, Python, PHP, and Java. The integration process is well-documented and can be completed in minutes.

Cost: Braintree charges a 2.9% + $0.30 per transaction fee for US-based businesses. There are no additional setup or monthly fees associated with using Braintree as your payment gateway. International merchants may have to pay higher transaction fees depending on their location and currency of choice.

Multiple Currency Support: Braintree offers support for over 130 types of currencies worldwide, so you can easily accept payments from customers anywhere in the world without worrying about currency conversion fees.

Security: Braintree follows the Payment Card Industry Data Security Standard (PCI DSS) to ensure that all information is securely transmitted and stored. It also offers fraud protection tools such as Advanced Fraud Tools, device data, and 3D Secure for added customer security.

Customer Support: Braintree provides 24/7 customer support via phone and email so you can get help with any issues or questions you may have quickly and easily.

Application Approval: Braintree’s application process is simple and typically takes only a few days to receive approval. Once approved, merchants can start accepting payments immediately.

Chargeback & Dispute Management: Braintree offers chargeback protection and dispute management tools to help merchants detect potentially fraudulent activities. This ensures that all payments are securely processed and that customers’ data is protected.

Transaction Failure Handling: Braintree also provides a robust transaction failure handling system so you can easily handle any failed transactions with ease. It also supports automatic retries in case of payment failures, making it easy for customers to complete their purchases without going through the entire checkout process again.


Integration: Authorize.Net offers a comprehensive library of APIs, SDKs, and plugins for easy integration with any existing website or application. It allows merchants to securely process transactions directly from their website, mobile app, or other platforms. Furthermore, its quick-to-integrate payment gateway makes it easier for merchants to accept payments anytime and anywhere.

Cost: Authorize.Net offers competitive pricing plans tailored to meet the needs of all businesses regardless of size. The basic plan starts at $25 monthly and 2.9% + $0.30 per transaction fee, while the Pro plan allows users to pay $49 monthly plus 2.6% + $0.30 rate per transaction fee, making it an affordable option for small business owners.

Multiple Currency Support: Authorize.Net makes it easy for businesses to accept payments in different currencies with its multiple currency support feature. This allows merchants to offer customers the convenience of making payments online using their local currency and avoid potential exchange rate losses.

Security: Authorize.Net provides a secure gateway for all transactions, protecting customer data from unauthorized access and compliance with Payment Card Industry Data Security Standard (PCI DSS). It also offers advanced fraud prevention tools such as Address Verification Service (AVS) that help merchants identify suspicious activity and reduce their vulnerability to fraudulent transactions.

Customer Support: Authorize.Net offers its users a range of customer support options, including toll-free phone, email, and live chat assistance. Moreover, its website has an extensive knowledge base and educational resources available to help merchants better understand the payment processing system.

Application Approval: Authorize.Net is known for its fast application approval process, which typically takes less than 24 hours after submission. This makes it easier for businesses to start accepting payments quickly without having to wait weeks or months for approval.

Chargeback & Dispute Management: Authorize.Net provides merchants with the ability to manage chargebacks and disputes efficiently. Its intuitive dashboard allows merchants to view and manage their dispute cases in real time, making it easier to handle chargeback disputes quickly and accurately.

Transaction Failure Handling: Authorize.Net also helps merchants save time and money by providing an automated process for managing transaction failures. This allows merchants to quickly identify failed transactions and take the necessary action to resolve them without hassle.


Integration: With the use of APIs, merchants can easily integrate their existing shopping cart with GoEmerchant’s payment processing. Integrating the gateway takes just a few minutes and does not require code writing.

Cost: GoEmerchant offers some of the best rates for online merchant accounts. No setup fees or additional card processing fees are required when setting up an account with them. They also offer competitive transaction fees based on your business type and sales volume.

Multiple Currency Support: GoEmerchant supports numerous currencies, allowing you to transact in over 150 currencies worldwide. This makes it easier for you to reach customers from different countries and regions.

Security: GoEmerchant prides itself on providing secure payments for merchants. Utilizing the latest industry standards, their systems are constantly monitored to ensure safe and secure transactions. They are also compliant with all major credit companies’ PCI DSS regulations.

Customer Support: GoEmerchant has a dedicated customer support team available 24/7 to answer inquiries about merchant accounts or payment processing issues. Their knowledgeable and friendly staff will do whatever they can to help you get up and running quickly.

Application approval: The application process is simple, fast, and secure. It only takes a few minutes to complete the online application. Their staff will review your information and contact you within 48 hours if additional information is needed.

Chargeback & Dispute Management: GoEmerchant provides merchants with an easy way to manage chargebacks and disputes. They have a dedicated team to help you resolve issues quickly, efficiently, and affordably.

Transaction failure handling: If a transaction fails for any reason, GoEmerchant has an automated system to quickly notify the merchant of the error so they can take the necessary steps to correct it. This helps merchants avoid costly processing fees associated with failed transactions.

Merchant One

Integration: Merchant One is compatible and easy to integrate into any website or software application. Additionally, the platform provides a robust API for developers to customize their integration process and ensure that their transactions are secure and efficient.

Cost: Merchant One offers competitive pricing and a flexible fee structure, allowing you to choose the best rate for your business depending on your specific needs. The platforms provide flat fees, transaction-based fees, or a combination of both.

Multiple Currency Support: Merchant One supports payments in numerous currencies, including USD, EUR, GBP, and AUD. This allows customers from around the globe to easily make purchases with you without having to worry about currency conversions or extra fees.

Security: Merchant One uses the highest data encryption level, ensuring that your customers’ information is always safe and secure. The platform also provides fraud protection tools to help you prevent and detect any suspicious activity.

Customer Support: Merchant One offers dedicated customer support agents available 24/7 to ensure that all inquiries and concerns are handled quickly and professionally. They can answer questions about payments, setup assistance, or technical issues.

Application Approval: Merchant One offers a fast application process with next-day approval for most applicants, giving you quick access to the platform so that you can start accepting payments as soon as possible.

Chargeback & Dispute Management: The platform provides an efficient chargeback dispute resolution process, allowing you to quickly resolve any issues that may arise.

Transaction Failure Handling: Merchant One has built-in tools for dealing with failed transactions, allowing you to investigate the cause and take corrective action promptly. This ensures that your customers have an enjoyable experience when purchasing from your site.


Integration: CyberSource is easily integrated into various websites and ecommerce platforms, offering seamless payment processing with minimal effort. The platform also has an extensive API for developers to customize their integration process.

Cost: CyberSource offers competitive rates on all payments, with no setup fees or long-term contracts required. This makes it an ideal choice for businesses of any size that need reliable and affordable payment processing services.

Multiple Currency Support: CyberSource supports numerous currencies worldwide, allowing customers to make purchases in their own currency without having to worry about extra fees or conversion costs.

Security: CyberSource uses the latest encryption technology to protect customer data and ensure that transactions are safe and secure. The platform also includes fraud protection and monitoring tools to help you detect any suspicious activity.

Customer Support: CyberSource offers professional customer service agents available 24/7 to answer questions or resolve any issues that may arise. They can provide setup assistance, technical support, or general inquiries related to payment processing.

Application Approval: The application process is quick and easy, with most applicants receiving approval within 1-2 business days. This ensures that you can start and accept payments as soon as possible.

Chargeback & Dispute Management: CyberSource provides an efficient chargeback dispute resolution system, making it easy to handle any disagreements quickly and effectively.

Transaction Failure Handling: The platform has built-in tools for dealing with failed transactions, allowing you to investigate the cause and take corrective action on time. This helps ensure that your customers have a positive experience when purchasing from your site.


Integration: MerchantPlus is a full-featured payment gateway that can be integrated into existing ecommerce platforms like Shopify, Magento, and BigCommerce. It also offers an API so developers can create custom integration with other applications.

Cost: MerchantPlus charges a flat rate fee of 2.9% + 30 cents per transaction when using its payment gateway. This rate is competitive compared to other similar eLearning payment gateways. Additionally, no monthly or setup fees are required when signing up for service.

Multiple Currency Support: MerchantPlus allows customers to pay for goods and services in various currencies with the same account, making it easy for them to shop from different countries. The payment gateway also supports a range of international currencies, including USD, GBP, and EUR.

Security: MerchantPlus offers PCI DSS Level 1 compliance, ensuring that customer’s sensitive information is safe and secure. Its fraud prevention tools also allow merchants to identify and protect against fraudulent transactions.

Customer Support: MerchantPlus provides 24/7 customer support via phone, email, or live chat in multiple languages. It also offers online tutorials and helpful resources so merchants can quickly and efficiently troubleshoot their issues.

Application Approval: MerchantPlus requires businesses to complete an application process before they are approved for service. This includes providing the necessary documents, such as a valid government-issued ID, proof of address, and bank account information.

Chargeback & Dispute Management: MerchantPlus provides dispute resolution services to help merchants deal with chargebacks or other customer disputes. The payment gateway also offers automated notifications when customers initiate disputes, so merchants can take immediate action to resolve the issue.

Transaction Failure Handling: MerchantPlus allows merchants to configure their system in such a way that it can handle transaction failures efficiently. If a customer’s payment is declined, the merchant can contact them directly and process the payment manually without having to go through the entire checkout process again.

Which One Should You Choose?

When choosing a payment gateway for your eLearning business, you must consider your needs and budget. Each of the providers mentioned above offers different features, fees, and levels of security. Additionally, some may be better suited for your particular business model or geographical location than others. It is best to research and compare each option before making a decision. When in doubt, you can always contact customer service representatives from various providers to get more information about their services and which would work best for your business. Ultimately, the right payment gateway for your eLearning business will depend on several factors, including cost, convenience, reliability, and security.

Good luck with your hunt for the best payment gateway to sell online courses in 2023. If you are looking for a subscription management system for your business, book a demo!