List of the Top 17 Payment Gateways for Xero in 2025

The latest benchmark in digital payments is set by Stripe, which stands out as the premier platform for conducting online business. Across the globe, progressive enterprises rely on us to manage billions in transactions each year. Stripe develops highly adaptable and robust tools tailored for online commerce. Whether launching a subscription model, an on-demand marketplace, an e-commerce website, or a crowdfunding initiative, our well-crafted APIs and exceptional features empower you to deliver an outstanding experience for your customers. By enabling countless tech-driven companies to grow at unprecedented speeds and efficiency, Stripe is at the forefront of innovation. We view payment systems as a coding challenge rather than a financial issue, focusing on creating elegant, modular solutions that facilitate strong, scalable, and flexible integrations. Our user-friendly approach simplifies complex processes by eliminating unnecessary obstacles and distractions, ensuring that businesses can focus on their core mission without getting bogged down in technical difficulties. In a constantly evolving digital landscape, Stripe continues to adapt and enhance its offerings to meet the diverse needs of its users.

Over 9 million merchants rely on PayPal to help them launch, manage, and grow their enterprises. We provide a comprehensive suite of tools, products, financing solutions, and personalized support that enables you to efficiently handle critical functions such as payment processing, website creation, shipping logistics, and marketing strategies. Furthermore, our business loans* allow you to secure the funding necessary for both new ventures and sustained growth. You can accept payments seamlessly, whether online through invoicing and tailored website checkouts or in-person using mobile card readers for on-the-go transactions. Our diverse range of products and services is designed to enhance your daily operations, featuring capabilities for payment tracking and shipping label printing. Additionally, explore our merchant lending options that ensure swift access to vital funds for your business while offering payment plans to your customers, allowing them to pay in installments while you receive your payment upfront. Ultimately, our mission is to bolster your business throughout its journey, enabling you to concentrate on what truly matters: driving growth and enhancing customer satisfaction, so you can achieve your aspirations.

Payoneer empowers businesses to thrive both internationally and domestically with its innovative payments and working capital platform designed for today's entrepreneurs. The platform allows users to acquire bank account numbers in various currencies such as USD, EUR, CAD, AUD, JPY, and MXN, making it easy to receive payments as if they had a local bank account. By linking to numerous marketplaces, you can start accepting payments with just a few simple clicks. Our Billing Service offers an uncomplicated payment method for your overseas clients. You can transfer your earnings to your local bank with low fees or withdraw them from an ATM. Moreover, you can conveniently settle VAT obligations in the EU and UK using the GBP and EUR funds in your Payoneer account without facing any charges. Additionally, you can efficiently manage your expenses by paying contractors directly using your Payoneer balance at no extra cost. Leveraging our extensive network of integrated service providers, you can significantly boost your business efficiency and promote global expansion while enjoying tailored benefits. With Payoneer, your focus will remain on what matters most: the growth of your business and the exploration of new markets, all while enjoying a seamless financial experience. As you harness these tools, you'll be well-equipped to navigate the complexities of international commerce.

Boost your expansion by harnessing the potential of your payment solutions. With seamless integration, setting up payments is as straightforward as 1-2-3. A simple one-click process lets you link various accounting software to your current payment gateway, ensuring that payouts are reconciled automatically in real-time in under five minutes, thereby saving you countless hours of effort each day. Chargezoom's payment integration system is compatible with over 20 different payment gateways, requiring no alterations, having no transaction fees, and allowing you to effortlessly point, click, and integrate! In addition to this, you will benefit from a Two-Way Sync Payment Dashboard, eInvoicing and the option to pay via email, compliant surcharging options, subscription management capabilities, a tokenized customer vault, and a developer-friendly API. Creating your payment infrastructure has never been simpler or more efficient! With these tools at your disposal, you can focus on scaling your business while we take care of the payment process.

PayTraQer simplifies the synchronization of sales, fees, and refunds from major e-commerce platforms such as Amazon, Shopify, and eBay, while ensuring that this data is reconciled seamlessly within QuickBooks, Xero, and BigCommerce. Additionally, it coordinates transactions including fees and online payments across platforms like PayPal, Stripe, and Square, as well as Clover, Pin Payments, and Authorize.Net. By automating accounting processes, PayTraQer enhances the integration of e-commerce with Xero or QuickBooks, providing accurate and real-time data synchronization, thus eliminating the need for manual data entry and fostering greater efficiency. Users can enjoy an intuitive experience with various customization options, allowing for management of multiple currencies and providing real-time insights, all while ensuring compliance with tax regulations. With its robust integration and multi-channel support, PayTraQer stands out as an essential tool for businesses looking to streamline their financial operations.

Clearly Payments provides affordable software and services for credit card processing, facilitating online transactions, mobile payments, and payment terminals, while also supporting invoicing and recurring billing. Their primary objective is straightforward: to reduce the fees that merchants incur when accepting payments. To achieve this goal, their initial strategy involves developing a payment processing system characterized by a low-cost framework, which necessitates a focus on innovation and a robust corporate culture. Cost efficiency is maintained through: - The utilization of virtual teams and cloud-based technologies, alongside a metrics-oriented business approach - Collaborating with globally recognized, cost-effective payment technology providers - Engaging in customer outreach through community involvement, referrals, and strategic partnerships By implementing these strategies, Clearly Payments is able to transfer savings directly to merchants, thereby enhancing their experience and continuously lowering their expenses. As they grow, they remain dedicated to creating a positive impact on the merchant community, striving to ensure that each merchant benefits from their services every day.

BlueSnap's comprehensive Accounts Receivable Automation solution is highly acclaimed as the top software for processing payments, managing billing and invoicing, overseeing recurring billing, and handling subscription services. With our intuitive invoice editor, seamlessly integrated into your accounting framework, you can design visually appealing invoices while also creating a customer portal that facilitates automatic charging, the collection of payments, and the imposition of late fees. For rapidly expanding businesses around the globe, BlueSnap provides robust subscription management and recurring billing functionalities, allowing you to set up trial periods, effectively manage ongoing subscriptions, and implement proration as needed. Additionally, BlueSnap supports a wide range of payment processing options, accommodating credit card transactions, ACH and SEPA transfers, as well as wire payments, while efficiently managing partial payments, automatically retrying failed transactions, and recovering payments without hassle. Our solution is designed not only to enhance operational efficiency but also to improve the overall payment experience for both businesses and their customers.

GoCardless stands out as the most reliable online direct debit provider in the UK, simplifying the handling of both recurring and one-time payments. This service is not only economical and secure but also features a straightforward migration process along with clear fee structures. Additionally, GoCardless boasts pre-built integrations with prominent accounting, subscription, and membership software, including Quickbooks, Sage, Zuora, and Online Scout Manager, ensuring seamless connectivity for its users. As a result, businesses can enhance their payment processes with minimal effort.

Optimizing repeat transactions is crucial, and maintaining a card on file greatly improves the checkout experience for returning patrons, enabling them to finalize purchases with just a few clicks without having to re-enter their payment information. Furthermore, by securely retaining payment data on our servers, we significantly reduce your exposure to security threats. Given that customers engage in shopping through various channels—whether in-store, online, or on mobile devices—we offer solutions that are responsive to the evolving payment landscape. Authorize.net empowers you to handle transactions in a way that aligns perfectly with your business requirements, whether that’s online, via a mobile app, or through manual entry methods. We make accepting credit cards straightforward and guarantee that your payments are processed without any hiccups. It’s truly that simple. Take a moment to explore our diverse range of integration partners to find the best solution customized for your enterprise. Additionally, integrating a one-click payment button is a breeze, which is especially beneficial for donation forms or similar uses. This adaptability not only broadens your reach but also significantly enhances the quality of service you provide to your customers, ultimately contributing to increased customer satisfaction.

We provide an all-encompassing solution that allows you to effortlessly initiate payment processing for your business. Our user-friendly payment systems are designed to accommodate almost every sector, and we are dedicated to ensuring that your transactions are executed without a hitch. Understanding the challenges that come with payment processing, our committed local team is here to support you at every step of the way. We take pride in our straightforward pricing structure, which features flat rates devoid of hidden fees, guaranteeing that you are fully informed about what to expect. In addition to our swift settlement services, we are devoted to fostering your business's growth. Your customers' security during transactions is our top priority, and we achieve this by offering PCI DSS level 1 card data protection along with robust tools to combat fraud. Our practical advice aims to enhance your growth, and from the initial setup phase to continuous assistance, our local team stands ready to help you navigate the payment landscape, providing 24-hour emergency technical support whenever necessary. Whether you are a budding start-up or a well-established business, we have customized payment solutions that cater to your unique needs. With our steadfast support, you can concentrate on your core operations while we take care of the complexities associated with payment processing, ensuring a seamless experience for both you and your customers. We believe that by simplifying this process, we empower you to achieve greater success in your endeavors.

Xendit emerges as a leading payment gateway catering to Indonesia, the Philippines, and the wider Southeast Asian market. With a single integration, businesses can easily accept a variety of payment methods, including credit and debit cards, e-wallets, and bank transfers, across both Indonesia and the Philippines. The platform enhances the payment experience by prioritizing security and convenience, processing millions of transactions each month, and supporting business growth through a robust selection of high-quality APIs. Initiating your journey with Xendit is simple, whether you opt for Live URLs, web or mobile checkout alternatives, or direct API integration. You can also explore our sandbox environment for a quick login to test the various functionalities before going live. Transitioning to real-time transactions can be achieved in less than a day, allowing for efficient payment processing with Xendit. Furthermore, users can track their transaction history through a centralized dashboard, which includes daily reconciliation for improved visibility and reporting. Our competitive pricing model enables a pay-as-you-go approach with no hidden fees or unforeseen costs, simplifying financial management. Beyond merely facilitating transactions, Xendit provides businesses with valuable tools to boost operational efficiency and enhance customer satisfaction, ultimately creating a more dynamic marketplace. This comprehensive approach not only aids in immediate transactions but also fosters long-term relationships with clients.

HitPay POS offers an all-encompassing solution for efficiently managing your business operations. It allows you to synchronize your products across both online and offline sales channels, manage an unlimited number of locations, and automate numerous operational tasks seamlessly. The pricing structure is clear and simple, operating on a pay-per-transaction basis without any hidden fees for setup or subscriptions. You can quickly get started, with your initial sale being just a few clicks away using HitPay's online store. The platform simplifies the process of launching an online business by providing an intuitive setup experience, appealing design choices, and advanced features designed to promote growth. Additionally, HitPay’s recurring billing system makes it easy to manage subscription plans and memberships, enabling you to set up billing cycles and automate payment collections, ensuring prompt receipt of funds. Entrepreneurs will find HitPay's premium billing and subscription management functionalities accessible at no additional charge, making it an essential resource for optimizing their business processes. Moreover, the platform offers continuous support to assist you in overcoming any obstacles as your business continues to grow and evolve. This commitment to customer care further enhances the value of HitPay for those looking to thrive in a competitive market.

We hold the conviction that payments ought to be straightforward, safe, and hassle-free. Our payment solutions cater to everyone’s needs, allowing you to shop online, make in-store purchases, or send payment requests effortlessly. We prioritize the development of uncomplicated payment options tailored to your requirements. With Ozow, you can easily send and receive payments from virtually anywhere at any time, requiring just a bank card and a smart device. It’s truly that simple. We are equipped to assist with all your payment requirements, including QR codes, point-of-sale solutions, eCommerce transactions, and eBilling, among other services. Recognizing the significance of data protection, we employ cutting-edge technology that adheres to the highest global safety and security standards. Our dedicated team is committed to taking every necessary measure to safeguard you and your customers. To maintain the integrity of our systems, we undergo regular independent security assessments, ensuring that we consistently meet and exceed industry safety benchmarks. It is our mission to provide you with peace of mind while handling your payment processes.

No matter if you have a website or not, we offer efficient, secure, and immediate payment processing solutions specifically designed for businesses in South Africa. Our services provide merchants with extensive integration options and a wide range of payment functionalities. Whether you utilize a pre-existing shopping cart or a custom-built website, PayFast is your go-to payment facilitator for businesses of every kind. Managing tasks such as invoicing, reconciliation, and payment follow-ups can take up a considerable amount of time. By leveraging the right platform along with PayFast, you can automate these tedious accounting duties, enabling you to effectively capture, monitor, and process payments online. Should you require a dependable payment gateway for your ticketing service or wish to sell event tickets directly on your website, we have the solutions that will meet your needs. Additionally, we recognize the essential role you fulfill in managing your charity or non-profit organization. Our platform is designed to help you raise awareness for your cause while allowing you to securely and promptly receive online donations through any of our eight supported payment methods. Ultimately, our commitment to addressing diverse business requirements empowers you to concentrate more on your primary activities rather than worrying about payment processing issues. This way, we aim to streamline your operations and enhance your overall efficiency.

Fondy is enhancing global payment solutions for small and medium enterprises that are looking for a straightforward and economical way to process online transactions, offering a variety of options such as credit cards, online banking, and digital wallets like Apple Pay and Google Pay. By utilizing social media, brands can not only boost their exposure but also reinforce their credibility within the competitive market. In response to the growing trend of mobile shopping, Fondy's in-app payment solutions enable seamless integration without the need for developer or designer support. It is crucial to keep customers engaged during the payment process by streamlining the checkout experience, which can lead to increased customer retention and repeat business. By offering locally preferred payment methods, companies can enhance sales and reduce the likelihood of cart abandonment. Fondy provides access to over 300 payment methods, including credit cards, bank transfers, and a range of digital wallets. Furthermore, we have created a suite of plugins that easily integrate with major content management systems and website builders, improving the overall user journey while addressing the diverse needs of businesses. This all-encompassing strategy not only aids merchants in boosting sales but also ensures that they can navigate the constantly changing environment of online commerce with agility. Ultimately, Fondy’s commitment to innovation and customer satisfaction positions it as a leader in the payment solutions industry.

Windcave presents an all-encompassing global platform designed to streamline payment experiences for a wide array of prominent brands worldwide. By integrating various payment channels into a singular, cohesive system, our solution enables businesses to oversee payment integrations with tailored control that meets their specific requirements. We offer adaptable online payment methods that feature user-friendly processing suitable for any digital environment. Additionally, our in-store payment solutions provide rapid and efficient transactions in retail settings. For self-service applications, our unattended payment systems are engineered for security and equipped with weather-resistant modular devices. Our extensive suite of payment solutions aims to foster business growth while enhancing the payment experiences of your customers. Moreover, we have established partnerships with leading software platforms to deliver unparalleled functionality, allowing merchants across different sectors to take full advantage of our offerings. This dedication to adaptability positions Windcave as an essential ally for enterprises aiming to refine their payment operations and achieve greater efficiency. With our innovative approach, we continue to evolve in response to the dynamic needs of the marketplace.

MerchantPlus offers three main account packages tailored to fit the needs of businesses of all sizes, from emerging startups to established large enterprises. With over ten years of experience in the electronic payment industry, MerchantPlus provides customized solutions that meet the unique demands of various sectors and technical specifications. Below is a concise overview of our services; however, we invite you to contact a payment consultant for a more in-depth conversation about your particular requirements. Based in New York City, the MerchantPlus support team is dedicated to guiding you through every step, from the initial onboarding process to technology integrations and operational setup. Furthermore, MerchantPlus provides solutions that tackle the complexities encountered by global eCommerce, SaaS, and service-based businesses, featuring tools such as foreign currency conversion, native settlement options, multi-region merchant account balancing, and a variety of alternative payment methods. This extensive suite of offerings not only equips your business to navigate the challenges of the digital marketplace but also positions it for sustained success and growth in an ever-evolving environment.