Most store owners pick a payment provider once, during setup, and then live with it for years. The trouble shows up later: a sale to a customer in Germany costs noticeably more than the headline rate, subscription renewals fail because the gateway never stored the card properly, or a European shopper abandons the cart because the checkout offers no iDEAL or Bancontact. Choosing between WooCommerce payment gateways is less about the advertised percentage and more about what you will actually pay, where your customers live and how much of checkout you want to own.
WooCommerce is open, so it works with almost every processor that exists. That freedom is one of the main reasons merchants choose it over hosted platforms, and our WooCommerce vs Shopify comparison explains the trade-off in more detail. The flip side is that Shopify nudges you toward one default processor, while on WooCommerce the decision, and the fee math, is yours.
This list covers ten providers with an official or actively maintained WooCommerce extension: card processors for the US, Europe-first gateways, an India-first gateway and two dedicated buy now, pay later options. Fees quoted below are the standard published rates for an online card payment in each provider’s main market, taken from the provider’s own pricing page as of October 2026. Large merchants can usually negotiate lower rates, and every provider can change its pricing, so treat these as a starting point and check the live page before you sign.
If your gateway needs custom checkout work, a migration of saved cards or a fix for a messy plugin stack, our list of WooCommerce development agencies covers firms that do that work every week.
WooCommerce Payment Gateways At A Glance
Gateway
Published Online Card Rate
Best For
WooPayments
2.9% + $0.30 (US cards)
Stores that want payments managed inside WooCommerce
Stripe
2.9% + 30¢ (US domestic cards)
Developers and global stores that want a direct Stripe account
Stores whose buyers already trust PayPal, Venmo and Pay Later
Square
2.9% + 30¢ (US Online API)
Merchants selling in person and online with shared inventory
PayPal Enterprise Payments (Braintree)
2.89% + $0.29 (US cards and wallets)
Larger stores that want cards, wallets and PayPal under one vault
Authorize.net
$25 per month plus 2.9% + 30¢ (US all-in-one)
US merchants that want a traditional merchant account and eCheck
Mollie
1.80% + €0.25 (EEA consumer cards)
European stores that need local payment methods
Klarna
Set per merchant and market
Fashion, home and lifestyle stores adding pay later and financing
Affirm
Set per merchant
Higher ticket US, Canadian and UK orders paid over time
Razorpay
2% standard rate (India)
Stores selling to customers in India, plus Malaysia
Best WooCommerce Payment Gateways In 2026
1. WooPayments — The Native WooCommerce Payment Gateway
WooPayments, formerly called WooCommerce Payments, is the payment gateway built by WooCommerce itself, in partnership with Stripe. The plugin is free, lists more than 800,000 active installations on WordPress.org, and puts transactions, disputes, deposits and refunds inside the WooCommerce dashboard instead of a separate processor account. WooCommerce says there are no setup costs or monthly fees for online payments, and merchants can sign up in 38 supported countries.
For a US merchant, WooCommerce publishes a rate of 2.9% + $0.30 for card payments, plus 1.5% for cards issued outside the US and 1% when currency conversion is needed. Disputes cost $15.00. Multi-currency support is built in, with more than 135 currencies available, and payouts can run on a daily, weekly, monthly or on-demand schedule. Express checkout options include WooPay, Apple Pay, Google Pay, Amazon Pay and Link by Stripe, and buy now, pay later methods can be switched on with one click: Klarna at 5.99% + $0.30, and Affirm and Afterpay at 6.00% + $0.30 for US merchants. Customers can save cards for later, and the gateway works with WooCommerce Subscriptions for renewals and payment method changes. There is also an in-person option at 2.70% + $0.10 for US merchants who sell at events or a counter.
WooPayments suits small and mid-sized stores in supported countries that want one plugin, one dashboard and one support team for both the store and the payments. Merchants who need direct access to every Stripe product, or who sell from a country WooPayments does not cover, should look at the next entry instead.
2. Stripe — Direct Stripe Account With 23 Payment Methods
The WooCommerce Stripe Payment Gateway connects a store to the merchant’s own Stripe account. It is free on the WooCommerce Marketplace, where Stripe is listed as the vendor, and the WordPress.org listing shows more than 700,000 active installations. The difference from WooPayments is control: you manage the Stripe Dashboard directly, which matters if you also use Stripe Billing, Radar rules or other Stripe products across several sites or apps.
Stripe’s US pricing page lists 2.9% + 30¢ per successful transaction for domestic cards, plus 1.5% for international cards and 1% when currency conversion is required. Each dispute costs $15.00, and Stripe states it charges no setup, monthly or closure fees on standard pricing. Custom pricing is available for large volume. In WooCommerce, the extension surfaces 23 payment methods, including cards, Link, Apple Pay and Google Pay, buy now, pay later methods such as Klarna and Affirm, and local methods like ACH Direct Debit, Bacs Direct Debit, Bancontact, iDEAL and SEPA Direct Debit. Adaptive Pricing lets customers pay in their local currency across more than 150 countries. The extension supports WooCommerce Subscriptions and is marked compatible with the cart and checkout blocks and High Performance Order Storage (HPOS).
WooCommerce Stripe is the better fit for stores with developers on hand, businesses already running on Stripe elsewhere, and international sellers who want one processor to handle many local methods. It is a strong default for anyone who finds WooPayments too closed.
WooCommerce PayPal Payments is PayPal’s official extension for WooCommerce, with more than 800,000 active installations on WordPress.org. It is developed with Syde, the WooCommerce agency that also contributes to Mollie’s plugin. The extension adds PayPal checkout buttons, Venmo for US shoppers, Pay Later offers, credit and debit cards, country-specific methods and Fastlane by PayPal, which speeds up guest checkout for shoppers with a saved profile.
PayPal’s US merchant fee page lists 3.49% + $0.49 for PayPal Checkout, 2.99% + $0.49 for standard credit and debit card payments, 4.99% + $0.49 for Pay Later and 3.49% + $0.49 for Venmo. International commercial transactions add 1.50%, currency conversion is generally 3.00%, and a chargeback costs $20.00 on US dollar transactions. Those rates sit above the plain card processors, which is the price of the PayPal wallet’s reach. On the WooCommerce side, the plugin supports WooCommerce Subscriptions and PayPal Subscriptions, offers PayPal Vaulting for saved payment methods, and is listed as compatible with cart and checkout blocks and HPOS. Pay Later is available in Australia, France, Germany, Italy, Spain, the United Kingdom and the United States.
Almost every store should offer PayPal alongside a card processor, because a share of shoppers will only check out with it. As a sole payment gateway for WooCommerce, it suits stores with many first-time buyers who need a trusted brand at checkout, and US merchants who want Venmo and Pay Later without adding separate plugins.
4. Square — Unified Online And In-Person Selling With Inventory Sync
The Square extension for WooCommerce is built by Woo, is free, and lists more than 80,000 active installations. Its main job goes beyond payments: it syncs product names, prices, stock levels and categories between WooCommerce and Square. You choose a system of record. Stores that sell mostly online can make WooCommerce the source of truth, while shops with physical locations can let Square push catalog changes to the website.
Square’s US fee page lists 2.9% + 30¢ for Online API payments on all three Square plans, the category that covers API integrations such as the WooCommerce extension. For comparison, Square’s own Online checkout is 3.3% + 30¢ on the free plan, and in-person tap, dip or swipe starts at 2.6% + 15¢. The WooCommerce extension supports Apple Pay, Google Pay and Cash App Pay, lets customers save cards on file for repeat checkout, works with WooCommerce Subscriptions, and is marked compatible with cart and checkout blocks and HPOS. It is available to merchants in Australia, Canada, France, Ireland, Japan, Spain, the United Kingdom and the United States.
Square is the clear pick for retailers, cafes, makers and event sellers who already run Square hardware in store and want one inventory count across every channel. Pure online stores with no counter gain less from it than from WooPayments or Stripe.
PayPal Enterprise Payments is the new name for Braintree, PayPal’s processing platform for larger merchants. Its WooCommerce extension, built by Woo, accepts credit cards through Hosted Fields, PayPal, Apple Pay, Google Pay, Venmo and US ACH Direct Debit. Because card fields are hosted by Braintree, the extension states that the card integration is PCI DSS SAQ-A compliant, which keeps compliance paperwork light.
PayPal’s Braintree fee page lists a standard US rate of 2.89% + $0.29 for cards and third-party digital wallet transactions. Transactions presented in a non-USD currency add 1%, cards issued outside the United States add another 1%, and chargebacks cost $15.00. Venmo is priced at 3.49% + $0.49. Use of the service is subject to application and approval. The extension’s standout feature is a central vault: saved payment methods work across cards, ACH, Venmo and Fastlane, which helps subscription stores and repeat buyers. It supports WooCommerce Subscriptions and Pre-Orders, Strong Customer Authentication for European transactions, Apple Pay on both classic and block checkout, and HPOS. It is available across the US, Canada, Australia and much of Europe.
This gateway suits established stores with meaningful volume that want the card rate of a processor and PayPal’s wallet reach in one account, along with a single token vault for recurring billing.
6. Authorize.net — Merchant Account And Gateway With eCheck Support
Authorize.net, a Visa solution, is a US payment gateway that has served small businesses for many years. Unlike Stripe or Square, it can work with a merchant account from your own bank, or it can provide an all-in-one package that includes both. Its WooCommerce extension is built by SkyVerge and sold on the WooCommerce Marketplace for $79 per year.
Authorize.net’s pricing page lists its all-in-one plan at $25 per month plus 2.9% + 30¢ per transaction, subject to eligibility, with no setup fees and no early termination fee. The WooCommerce extension keeps shoppers on your site at checkout and uses Accept.js, which the listing says meets PCI SAQ A-EP standards without extra setup. It accepts eChecks with an optional Authorize.net eCheck account, lets customers add, nickname and manage saved payment methods from their account page, and offers full support for WooCommerce Subscriptions and Pre-Orders. The extension is listed as compatible with cart and checkout blocks and HPOS, and covers merchants in the United States, Canada, Australia and New Zealand.
Authorize.net fits US businesses that already have a banking relationship and merchant account, B2B sellers who take eCheck payments, and stores that want a mature gateway with deep subscription support. The monthly fee makes it less attractive for very small stores.
7. Mollie — European Payment Methods With Simple Per-Transaction Pricing
Mollie is a European payment provider, and Mollie Payments for WooCommerce, built with contributions from Syde, lists more than 100,000 active installations. Its strength is coverage of the local methods European shoppers expect: iDEAL in the Netherlands, Bancontact and KBC/CBC in Belgium, Blik and Przelewy24 in Poland, EPS in Austria, MB Way and Multibanco in Portugal, Swish in Sweden, TWINT in Switzerland, Satispay, SEPA Direct Debit and more, alongside cards, PayPal and Apple Pay.
Mollie’s pricing page lists 1.80% + €0.25 for European Economic Area consumer Visa and Mastercard cards, 2.90% + €0.25 for EEA commercial cards and 3.25% + €0.25 for non-EEA cards. American Express is 2.90% + €0.25, SEPA Direct Debit is €0.35 and SEPA bank transfer is €0.25. There are no monthly fees or minimums on standard pricing, and merchants processing more than €100,000 a month can request volume pricing with IC++ rates. For buy now, pay later, the plugin supports Klarna, Riverty, iDEAL in3 and Billie invoice payments for businesses. It is compatible with WooCommerce Subscriptions, handling recurring payments for methods such as Apple Pay, cards and iDEAL through SEPA Direct Debit.
Mollie is the strongest choice here for stores based in the Netherlands, Belgium, Germany and the rest of the EU, or for any WooCommerce shop selling heavily into Europe where card-only checkout loses sales.
8. Klarna — Pay Later, Pay In Installments And Financing
Klarna is a buy now, pay later provider that lets shoppers split or defer payments. The official Klarna for WooCommerce plugin, maintained by Klarna with WooCommerce developer Krokedil, lists more than 20,000 active installations. The merchant is paid in full and up front, while the shopper pays Klarna later.
Through the plugin, stores can offer Pay Now for direct payments, Pay Later with an extra 14 or 30 days, Pay in N for short installment plans and Financing on 6, 12, 18 and 24 month terms. On-site messaging can show installment amounts on product and cart pages, and Klarna’s express checkout reduces the steps to purchase. Klarna sets direct merchant pricing by market and agreement rather than through a single public rate card, so request a quote for your country. If you prefer to add Klarna through WooPayments instead of a separate account, WooCommerce publishes a US rate of 5.99% + $0.30 per Klarna transaction.
Klarna fits fashion, beauty, home goods and electronics stores where average orders are large enough that splitting the cost changes the buying decision, especially in the Nordics, Germany, the UK and the US.
9. Affirm — Longer Installment Plans For High-Ticket Orders
Affirm Payments for WooCommerce is an official extension on the WooCommerce Marketplace with Affirm as the vendor. It is available to merchants in the United States, Canada and the United Kingdom, each applying for an Affirm merchant account before connecting their API keys.
Affirm lets shoppers pay interest-free in 30 days, in four interest-free payments every two weeks, or in longer installments of up to 36 months, and it supports cart values up to $30,000. The merchant is paid up front for each purchase, and shoppers manage their plans in the Affirm app. The extension is listed as compatible with cart and checkout blocks and HPOS. Affirm does not publish a standard merchant rate on its WooCommerce listing, so pricing is agreed during the application. If you only need Affirm in the US, WooPayments offers it as a built-in option at a published 6.00% + $0.30.
Affirm suits stores selling furniture, fitness equipment, electronics, jewelry and other considered purchases where a 12 or 24 month plan can turn a hesitant visitor into a buyer.
10. Razorpay — UPI, Cards And Wallets For Indian Shoppers
Razorpay is an India-based payment gateway built around the methods Indian shoppers use. Its official Razorpay for WooCommerce plugin lists more than 100,000 active installations and accepts credit and debit cards, net banking, wallets and UPI in India, plus FPX, eWallets and DuitNow in Malaysia.
Razorpay’s pricing page shows a standard rate of 2%, and at the time of writing it advertises a free payment gateway for the first 90 days for new accounts. Businesses accepting larger monthly volumes, and funded startups, can ask for custom pricing. The plugin advertises more than 100 payment modes, including domestic and international cards, EMI, pay later options, net banking, UPI and mobile wallets. Saved cards work across Razorpay merchants, which shortens checkout for repeat shoppers, and the WooCommerce Subscriptions extension is supported through a separate Razorpay Subscriptions plugin. International currency acceptance is also available once enabled on the account.
Razorpay is the right call for WooCommerce stores registered in India, or merchants serving Indian customers at scale, where UPI is the default way people pay and card-first gateways leave money on the table.
How To Choose A WooCommerce Payment Gateway
What Will You Actually Pay Per Order?
The headline rate only covers a domestic card in the provider’s home currency. Add the surcharges that apply to your real order mix: international cards (1.5% at Stripe and WooPayments, 1% at Braintree), currency conversion (1% at Stripe, up to 3% at PayPal), and the fixed fee per order, which hurts most on low-value carts. Then add chargeback costs, which range from $15 to $20 per dispute among the US providers above, and any monthly gateway fee. Pull three months of orders, model them against two or three gateways, and compare the effective rate rather than the advertised one. If you sell in crypto as well, our guide to crypto payment gateways for ecommerce covers that separate fee structure.
Does It Handle Subscriptions And Saved Cards Properly?
If you sell memberships, boxes or replenishment products, the gateway must store payment tokens and charge renewals automatically through WooCommerce Subscriptions. Check that customers can update their card from the My Account page, that failed renewals retry, and that tokens can be exported if you ever switch providers. Moving saved cards between processors is possible with some providers but takes planning, so it is worth asking before you commit. Gateways with a central vault, like PayPal Enterprise Payments, or deep Subscriptions support, like Authorize.net and Stripe, make renewals far less fragile.
Which Payment Methods Do Your Customers Expect?
Cards are not the default everywhere. Dutch shoppers expect iDEAL, Belgians expect Bancontact, Polish buyers use Blik and Przelewy24, and Indian customers pay by UPI. A US store selling into Europe can lose a large share of orders with a cards-only checkout. Look at your analytics by country, list the top three local methods in each market that matters, and pick a gateway, or a pair of gateways, that covers them. Mollie, Stripe and Razorpay are the strongest on local methods in their regions.
How Quickly Do You Get Paid?
Payout timing affects cash flow more than most merchants expect, particularly for stores buying inventory ahead of a peak season. Check the standard payout schedule in your country, whether you can choose daily, weekly or on-demand transfers, whether instant payouts cost extra, and whether new accounts face a holding period. WooPayments, for example, lets merchants set a daily, weekly, monthly or on-demand schedule. Buy now, pay later providers pay the merchant up front, but confirm how refunds and disputes are netted against future payouts.
How Much PCI Scope Will You Carry?
Every store that takes cards has PCI DSS obligations, but the integration type decides how heavy they are. Hosted fields and hosted payment pages, where card data goes straight to the processor, usually keep you in the lightest questionnaire, SAQ A. Integrations that run card capture through scripts on your own page, such as Accept.js at Authorize.net, typically fall under SAQ A-EP, which involves more controls on the website itself. Keep your hosting, plugins and admin accounts locked down regardless, because a compromised WordPress site can still alter checkout.
Will It Keep Checkout Fast And Compatible?
Express wallets like Apple Pay, Google Pay, PayPal, Link and Fastlane remove most of the typing from mobile checkout, so check which ones each gateway supports and on which pages they appear. Confirm the extension works with the WooCommerce cart and checkout blocks, since that is now the default checkout experience, and with High Performance Order Storage. Most of the WooCommerce Marketplace listings above state both. Finally, test page speed after installing, because stacking several gateway plugins loads several sets of scripts, and slow hosting compounds it. Our guide to WooCommerce hosting providers covers the infrastructure side.
Conclusion
For most stores the right setup is two gateways, not one: a card processor such as WooPayments, Stripe, Square or PayPal Enterprise Payments, plus PayPal Payments for shoppers who prefer their PayPal wallet. European stores should put Mollie or Stripe’s local methods at the center, Indian stores should start with Razorpay, and stores with higher order values should test Klarna or Affirm on top.
Before you commit, model your real order mix against each provider’s published fees, check subscription and saved card behavior on a staging site, and make sure the extension supports block checkout and HPOS. The best WooCommerce payment gateway is the one that costs the least on your actual orders while offering the methods your customers already use.
If you need help wiring a gateway into a custom checkout or migrating stored cards, a specialist from our list of WooCommerce developers and consultants can scope the work quickly.
