Compare Payment Gateways – TheFinRate Made It Quick and Easy

WhenThen

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WhenThen is a platform that allows businesses to easily integrate and orchestrate various FinTech APIs to create powerful payment experiences and automation. With WhenThen, businesses can build custom payment flows and automation processes without the need for coding. The platform is designed to help global e-commerce, marketplace, and digital platforms improve their checkout conversion and authorization rates, reduce fraud and payment costs, minimize manual work and errors, and enhance the overall customer payment experience. WhenThen provides a no-code editor that allows users to easily build and customize payment experiences and automation processes. The platform supports integration with various FinTech APIs, making it easy to connect and utilize different payment services and functionalities. The goal of WhenThen is to create an API-driven platform that enables developers and business users to quickly create complex payment flows in just minutes. The platform also offers a simple and intuitive control center, allowing users to easily manage and monitor their payment processes. Overall, WhenThen aims to simplify the integration and orchestration of FinTech APIs, making it easier for businesses to create powerful payment experiences and automation processes. Social Link

Acquiring API integration Green Mass Payouts Merchant Accounts

Willa

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With Willa, freelancers can easily create and send professional invoices to clients, track payment statuses, and receive payments directly into their bank accounts. Willa also offers a unique feature called “Instant Pay,” which allows freelancers to receive a portion of their payment immediately, even before the client has paid in full. Willa takes care of all the administrative tasks, such as following up on late payments and handling any disputes, so freelancers can focus on their work without the stress of managing their finances. Willa also provides insights and analytics on income and expenses, making it easier for freelancers to manage their finances and plan for the future. In addition to its payment services, Willa also offers a range of financial tools and resources to help freelancers with budgeting, tax planning, and saving for retirement. Willa aims to empower freelancers and provide them with the financial stability and peace of mind they need to thrive in their careers. Overall, It is a comprehensive payment solution designed specifically for freelancers, offering fast and hassle-free payments, financial management tools, and support to help them succeed in their freelance careers. Social Link

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VoguePay

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VoguePay offers a variety of payment options including credit/debit card payments, bank transfers, mobile payments, and cryptocurrency payments. The platform supports multiple currencies, making it convenient for businesses operating globally. One of the key features of VoguePay is its emphasis on security. The platform is PCI DSS compliant, ensuring that customer payment data is protected. VoguePay also offers fraud prevention tools and 3D secure authentication to further enhance security. For businesses that have a website, VoguePay provides easy integration options with popular e-commerce platforms such as WordPress, Magento, and WooCommerce. The platform also offers a customizable payment page that can be branded to match the merchant website. In addition to online payments, VoguePay also offers offline payment solutions such as POS terminals and mobile payment apps. This allows businesses to accept payments in-person, making it suitable for retail stores and service providers. VoguePay provides excellent customer support, with a dedicated support team available to assist merchants with any issues or questions they may have. The platform also offers comprehensive documentation and tutorials to help merchants get started and make the most of the platform features. Overall, VoguePay is a reliable and secure online payment platform that offers a wide range of features and solutions for businesses of all sizes. Whether you have a website or not, VoguePay can help you streamline your payment processes and provide a seamless experience for your customers. Social Link

Acquiring API integration Green Mass Payouts Merchant Accounts

Wallet Engine

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Some potential use cases for Wallet Engine technology and gateway platform include: 1. Peer-to-peer payments: Apps can integrate Wallet Engine platform to enable users to send and receive money from their in-app financial accounts. This can be useful for splitting bills, paying friends, or sending money to family members. 2. In-app purchases: Wallet Engine platform can be used to facilitate in-app purchases, allowing users to make payments directly from their in-app financial accounts. This can provide a seamless and convenient checkout experience for users. 3. International remittances: Wallet Engine cross-border capabilities make it an ideal solution for apps that want to offer international remittance services. Users can easily send money to recipients in different countries, with the funds being converted into the local currency at competitive exchange rates .4. Digital wallets: Wallet Engine platform can be used to create digital wallets within apps, allowing users to store and manage their digital assets, such as cryptocurrencies or loyalty points. 5. Financial management tools: Apps can leverage Wallet Engine platform to provide users with financial management tools, such as budgeting and expense tracking features. Users can link their in-app financial accounts to their bank accounts and credit cards, allowing them to get a holistic view of their finances. 6. E-commerce integrations: Wallet Engine platform can be integrated with e-commerce apps to enable users to make payments directly from their in-app financial accounts. This can streamline the checkout process and reduce friction for users. 7. Bill payments: Apps can use Wallet Engine platform to enable users to pay their bills directly from their in-app financial accounts. This can include utility bills, rent payments, or any other recurring payments. Overall, Wallet Engine technology and gateway platform provide a wide range of possibilities for apps to embed financial features and enhance their user experience. Social Link

Acquiring API integration Card Processing solutions Crypto Green

Versapay

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They offer a range of solutions, including electronic invoicing, online payments, and automated collections. Their platform integrates with existing accounting systems, making it easy for businesses to streamline their accounts receivable processes. Versapay also provides a customer portal, where buyers can view and pay their invoices online. This improves the customer experience and reduces the time and effort required for businesses to collect payments. In addition to their payment solutions, Versapay offers analytics and reporting tools to help businesses gain insights into their accounts receivable performance. This allows businesses to identify trends, track key metrics, and make data-driven decisions to improve their cash flow. Overall, Versapay is focused on helping businesses improve their accounts receivable processes, reduce costs, and accelerate cash flow. By leveraging cloud technology and automation, they are able to provide a seamless and efficient payment experience for both buyers and sellers. Social Link

Acquiring Card Processing solutions Green Marketplaces Mass Payouts

Vindi

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Vindi provides a range of features and services to help businesses manage their payments and subscriptions. Some of the key features of Vindi include: 1. Payment Gateway: Vindi offers a secure and reliable payment gateway that allows businesses to accept payments from various sources, including credit cards, debit cards, and boleto bancário (a popular payment method in Brazil). 2. Recurring Payments: Vindi specializes in recurring payments, allowing businesses to set up and manage subscription-based services. This includes features such as automated billing, subscription management, and dunning management (handling failed payments). 3. Subscription Management: Vindi provides tools to help businesses manage their subscriptions, including features such as plan creation, customer management, and subscription analytics. 4. Fraud Prevention: Vindi includes built-in fraud prevention tools to help businesses minimize the risk of fraudulent transactions. This includes features such as fraud scoring, blacklisting, and integration with fraud detection services. 5. Integration and APIs: Vindi offers a range of integrations and APIs that allow businesses to connect their payment systems with other software and platforms. This includes integrations with popular e-commerce platforms, CRM systems, and accounting software. 6. Reporting and Analytics: Vindi provides detailed reporting and analytics tools to help businesses track and analyze their payment data. This includes features such as transaction reports, revenue analysis, and customer churn analysis. Overall, Vindi aims to simplify the payment process for businesses and provide them with the tools they need to manage their payments and subscriptions effectively. Social Link

Acquiring API integration ApplePay Card Processing solutions Crypto

Venmo

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Venmo is a popular digital wallet that simplifies peer-to-peer payments and makes splitting bills with friends a breeze. Whether you’re settling up for dinner, sharing rent, or sending a birthday gift, It allows you to transfer money seamlessly. What sets it apart is its social aspect—it’s like a digital hangout where you can add custom payment notes, emojis, and even see what your friends are up to. Available on both iOS and Android, Venmo combines convenience with a touch of fun. 💰📱 Year Founded: It was founded in 2012. CEO: The CEO of Venmo is Darrell Esch. Headquarters: It is headquartered in New York City, New York, USA. Why choose Venmo? User-Friendly: It’s intuitive interface makes it easy to send and receive money among friends and family. Social Interaction: It adds a social twist to payments, allowing users to share notes, emojis, and even see their friends’ transactions. Security Measures: It prioritizes security with encryption and privacy settings. Business Integration: Small businesses and freelancers can also use Venmo to accept payments. Social Link

Acquiring ApplePay Card Processing solutions GooglePay Green

Unipay Gateway

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UniPay Gateway is a versatile payment processing platform offering a spectrum of solutions for businesses. With a focus on secure and seamless transactions, UniPay provides advanced payment gateway services, enabling businesses to manage payments efficiently. Whether handling one-time transactions or implementing recurring billing, UniPay ensures flexibility and ease of integration. Its commitment to innovation positions UniPay as a reliable partner in the dynamic landscape of financial technology. By prioritizing security and providing customizable solutions, UniPay Gateway empowers businesses to elevate their payment processes, offering a comprehensive suite of tools to enhance overall financial transactions. Year Founded: It has been in the payment industry for over 15 years. CEO: I’m sorry, but I couldn’t find the current CEO of UniPay Gateway. Headquarters: It’s headquarters are located at 244 5th Ave Ste E204, New York, New York, 10001, United States. Why Choose UniPay Gateway? Versatile Payment Solutions: It offers a wide range of payment solutions, providing businesses with versatility in managing their payment processes. Secure Transactions: Prioritizing security, It ensures that transactions conducted through its platform are secure, giving businesses and customers confidence in the payment process. Flexible Integration Options: It offers seamless integration options, making it easier for businesses to incorporate their payment processing solutions into existing systems. Recurring Billing Capabilities: For businesses with recurring billing needs, UniPay Gateway provides advanced features to streamline and automate such processes. Innovation and Technology: Committed to innovation, UniPay Gateway leverages technology to provide cutting-edge payment solutions, keeping businesses at the forefront of financial technology trends. Customizable Solutions: UniPay Gateway understands that businesses have unique needs. They offer customizable solutions, allowing businesses to tailor the payment process according to their requirements.   Social Link

3d secure payment gateway ACH Acquiring API integration ApplePay

Upclick

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Upclick fully customizable sales flow allows merchants to create a unique and personalized shopping experience for their customers. This includes the ability to customize the look and feel of the sales page, as well as the ability to add upsells and cross-sells to increase cart value. Upclick checkout optimization ensures a smooth and seamless checkout process for customers, reducing cart abandonment and increasing conversion rates. This includes features such as one-click upsells, mobile optimization, and multiple payment options. Upclick easy integration process allows merchants to quickly and easily integrate their existing systems with Upclick platform. This includes support for popular eCommerce platforms such as Shopify, Magento, and WooCommerce, as well as custom integrations via API. Upclick 24/7 customer service ensures that merchants and their customers have access to support whenever they need it. This includes support for billing inquiries, technical issues, and general customer service. Upclick well-established and vast affiliate network allows merchants to tap into a network of experienced affiliates who can help drive traffic and sales to their products. This includes access to a wide range of marketing tools and resources to help merchants maximize their affiliate marketing efforts. Overall, Upclick custom solution is designed to help merchants increase online sales by providing a seamless and optimized shopping experience for their customers. With features such as a fully customizable sales flow, checkout optimization, easy integration, 24/7 customer service, and a vast affiliate network, Upclick is the perfect billing solution for merchants in the digital goods and software industries. Social Link

Acquiring API integration Card Processing solutions Green Marketplaces

UPI

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UPI solutions include payment gateway integration, fraud prevention tools, recurring billing options, and multi-currency support. The company also provides merchants with access to a wide range of payment methods, including credit and debit cards, e-wallets, and alternative payment solutions. UPI payment gateway is designed to be user-friendly and easy to integrate into existing e-commerce platforms. It supports a wide range of shopping carts and provides merchants with real-time transaction monitoring and reporting.In addition to its payment gateway, UPI offers a range of fraud prevention tools to help merchants protect themselves against fraudulent transactions. These tools include address verification, card verification, and 3D Secure authentication. UPI also offers recurring billing options, allowing merchants to set up automatic payments for subscription-based services or recurring purchases. This feature is particularly useful for businesses in industries such as software-as-a-service, online gaming, and subscription boxes. Finally, UPI provides merchants with multi-currency support, allowing them to accept payments in multiple currencies and settle in their preferred currency. This feature is especially beneficial for merchants who sell internationally and want to offer their customers a seamless payment experience. Overall, UPI solutions are designed to help online merchants streamline their payment processes, reduce fraud, and increase customer satisfaction. With its partnerships with acquiring banks and its flexible solutions, UPI is able to cater to the needs of both new and experienced merchants in a variety of industries.

Acquiring ApplePay Card Processing solutions Credit cards GooglePay

ULIS Fintech

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Merchants using ULIS Fintech can initiate refunds directly from the administration dashboard. They can choose to issue a full refund or specify a partial refund amount. The refund process is quick and seamless, ensuring a positive customer experience. The transaction status can be easily checked in real-time, allowing merchants to track the progress of the refund. This helps merchants stay informed and provides transparency throughout the refund process. ULIS Fintech also offers comprehensive reporting capabilities. Merchants can generate reports on refunds, transactions, and other payment-related data. These reports can be easily downloaded and used for analysis or accounting purposes. Overall, ULIS Fintech provides a user-friendly and efficient refund management system. With its easy-to-use administration dashboard, merchants can handle refunds with ease, ensuring customer satisfaction and streamlining their payment processes. Social Link

Acquiring API integration ApplePay Card Processing solutions Cards

360Payments

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360Payments is a comprehensive payment processing solution provider dedicated to streamlining financial transactions for businesses of all sizes. Specializing in credit card processing, point-of-sale (POS) systems, and online payment solutions, 360Payments caters to a diverse array of industries with tailored services. Their offerings include secure payment gateways, advanced fraud protection, and seamless integration with existing business systems to enhance operational efficiency. By focusing on delivering a user-friendly experience and reliable support, 360Payments aims to simplify the complexities of payment processing. They also offer features such as recurring billing and mobile payment solutions, ensuring businesses can cater to evolving customer preferences and market demands. With a commitment to transparency and customer service, 360Payments supports businesses in optimizing their payment processes while maintaining high security standards. Their solutions are designed to help businesses improve cash flow, reduce transaction costs, and ultimately enhance the overall customer experience. Year Founded: Established in 2011. CEO: Scott M. McDonald is the Chief Executive Officer. Headquarters: The corporate headquarters is situated in San Diego, California, USA. Why choose 360Payments? 1. Cutting-Edge Technology and Comprehensive Solutions 360Payments offers a broad range of payment processing solutions designed to cater to diverse business needs. Their technology stack includes state-of-the-art credit card processing, point-of-sale (POS) systems, and online payment gateways. This extensive suite ensures that businesses, whether large or small, can handle transactions seamlessly across various platforms—be it in-store, online, or mobile. Their POS systems are particularly noteworthy, integrating advanced features that streamline sales, inventory management, and customer engagement. With customizable solutions, businesses can tailor the POS experience to fit their unique operational requirements, enhancing both efficiency and customer satisfaction. 2. Emphasis on Security and Fraud Prevention In an era where data breaches and fraud are significant concerns, 360Payments prioritizes security with robust measures. They employ advanced encryption technologies and fraud detection protocols to protect sensitive financial information and ensure compliance with industry standards. This proactive approach to security not only protects your business but also instills confidence in your customers, knowing their payment information is secure. 3. Exceptional Customer Support 360Payments stands out for its commitment to customer service. Their support team is known for its responsiveness and expertise, providing timely assistance and solutions to any issues that may arise. This level of support is crucial for businesses that rely on smooth payment processing to maintain their operations and customer relationships. Whether you need help with setup, troubleshooting, or optimizing your payment systems, 360Payments’ dedicated team is there to assist. 4. Seamless Integration and Flexibility One of the key advantages of 360Payments is its ability to integrate with a wide range of business systems. This flexibility allows businesses to incorporate payment processing solutions without significant disruptions to their existing workflows. Integration with e-commerce platforms, accounting software, and other business tools ensures that payment processing is streamlined and efficient, reducing the complexity of managing multiple systems. 5. Advanced Features for Modern Businesses 360Payments understands the evolving needs of today’s businesses. Their solutions include features like recurring billing and mobile payments, which are increasingly important in a digital and subscription-based economy. Recurring billing automation helps businesses manage subscription services and memberships more effectively, improving cash flow and reducing administrative burdens. Mobile payment solutions cater to the growing trend of on-the-go transactions, offering convenience and flexibility for both businesses and their customers. 6. Transparent Pricing and No Hidden Fees Transparency is a cornerstone of 360Payments’ approach. They provide clear, upfront pricing with no hidden fees, allowing businesses to budget and plan with confidence. This transparency ensures that businesses can focus on growth and customer service without worrying about unexpected costs or complex fee structures. 7. Commitment to Innovation 360Payments continually invests in technology and innovation to stay ahead of industry trends and meet the evolving needs of their clients. This commitment to innovation means that businesses benefit from the latest advancements in payment technology, keeping them competitive and adaptable in a fast-paced market. Social Link

Acquiring API integration ApplePay Card Processing solutions GooglePay
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Why Businesses Troubled with Payment Gateways

The right payment gateway provider should be easy to find, but for many people who have to make the decision, it becomes amaze of confusing terms, hidden fees, and technical language.

Most businesses have problems here:

Why Choosing the Right Payment Gateway Matters

Think of your payment gateway as your business’s financial nerve center. 

If you get it wrong, you’ll lose sales, pay more, risk breaking the law, and lose trust. If you do 

it right, payments become smooth fuel for growth. 

How TheFinRate Helps You Compare Payment Gateways with Ease

Our job is simple: we help businesses find trustworthy payment gateway providers. 
We make it easy for you to compare providers based on what really matters. 
This is what sets our method apart: 

Security First

Only gateways with strong fraud protection and global compliance (PCI DSS, SSL encryption, GDPR) are listed.

Clear Fees

There are no hidden costs or sugarcoating. You get what you see.

Seamless Integration

You'll know which providers work with your Shopify, WooCommerce, POS systems, or custom-built platforms.

Ready for Multi-Currency

If your business wants to grow internationally, it already has support for global payments.

Easy Comparison of Payment Gateways

Why spend weeks looking into something when you can get a clear picure in just a few minutes? 
You can see the following with our comparison dashboard: 

Who gains Benefits from Payment Gateway Comparisons

Our platform is for decision-makers at all levels because eveyone needs to know how much they owe. 

Why Trusted Payment Gateways Build Better Businesses

A payment gateway isn’t just a “service provider.” It’s the foundation of customer trust.

Businesses that treat payments as a strategic decision not an afterthought—outperform competitors in both revenue and customer retention. 

Businesses of all sizes trust us

Businesses of all sizes, from small startups to large corporations, use clear comparisons to make better payment choices. 
 

Compliance Assured: PCI DSS | SSL Encryption | GDPR | Verified Providers  

It’s your turn now.

Frequently Asked Questions (FAQs)

A payment gateway is a secure connection between your website, your customer, and the bank. It ensures that every online payment works smoothly, whether your customer pays by card, online banking, or digital wallet. In simple terms, it’s like a digital cashier that helps your business all the time.

Yes, absolutely! Payment gateways follow PCI DSS rules for strong security and fraud prevention. This keeps your customers’ information safe, so you can focus on growing your business without worrying about security. 
To handle payments, most payment services need a merchant account. However, many current providers offer a complete solution that includes both a merchant account and a payment service. This makes setup faster and less stressful.

The best payment gateway is one that matches your business size, industry, and payment needs. Look for secure, easy-to-integrate, and cost-effective solutions that support multiple payment methods and currencies.

Yes, you can switch payment gateways anytime. However, it may require reconfiguration, data migration, and updates to your integration, so it’s best to plan the transition carefully to avoid payment disruptions.