The Best free online payment system for Woocommerce

Finding the right payment gateway is crucial for small businesses to offer secure, reliable, and seamless payment experiences to their customers.

Whether you’re running an e-commerce store or a brick-and-mortar shop, choosing the right payment gateway can make a big difference in building trust and boosting sales.

Below, we’ve compiled a list of the best payment gateways for small businesses in 2025.

Finix for WooCommerce

For WooCommerce store owners, Finix for WooCommerce is an exceptional payment gateway designed by Coderpress to simplify online transactions while boosting user experience. Here’s what makes it a great option:

Key Features

• Accepts all major cards, including American Express, Discover, Mastercard, and Visa.
• Offers Gutenberg Block Support and compatibility with WooCommerce Checkout Blocks (coming soon).
• Apple Pay and Google Pay integration are on the roadmap.
• Refund policy with a 14-day money-back guarantee.
• Priority support available 24/7, with responses typically within 6 hours.
• Fully compatible with the latest versions of WooCommerce and WordPress.

Pricing Plans

• Personal Plan: $39.99/year (1 site).
• Professional Plan: $89.99/year (5 sites).
• Developer Plan: $99.99/year (30 sites).
• Lifetime plans are also available at discounted rates.

Who Is It Best For?

WooCommerce store owners looking for a secure, feature-rich payment gateway that integrates seamlessly into their existing WordPress setup.

PayPal

Pros:

• • Easy to set up and widely recognized.
  • No monthly fees for basic accounts.
  • Supports online and in-person payments.
  • Buyer and seller protections.

Cons:

• • Higher transaction fees compared to some competitors.
  • Account freezes can occur if flagged for suspicious activity.
• Best for: Businesses starting out or those targeting an international customer base.

2. Stripe

Pros:

• • Developer-friendly with customizable integrations.
  • Supports recurring payments and subscriptions.
  • Transparent fees and multi-currency support.
  • Advanced fraud protection.

Cons:

• • Requires some technical setup for full customization.
• Best for: Tech-savvy businesses or those with subscription models.

3. Square

Pros:

• • No monthly fees and transparent pricing.
  • Excellent for in-person payments (with a free card reader).
  • Comes with POS tools, inventory management, and analytics.

Cons:

• • Limited support for international payments.
• Best for: Brick-and-mortar businesses or mobile sellers.

4. Shopify Payments (For Shopify Users)

Pros:

• • Fully integrated into Shopify, simplifying operations.
  • No extra transaction fees for Shopify subscriptions.
  • Supports multiple currencies.

Cons:

• • Only available for Shopify users.
• Best for: E-commerce stores using Shopify.

5. Authorize.Net

Pros:

• • Reliable and widely used.
  • Includes fraud detection tools.
  • Supports invoicing and recurring billing.

Cons:

• • Monthly gateway fee and higher setup requirements.
• Best for: Small businesses with slightly higher transaction volumes.

6. Zelle or Venmo Business

Pros:

• • Simple peer-to-peer transfers.
  • Low or no transaction fees.
  • Fast payments, often instant.

Cons:

• • Limited for high-volume businesses.
  • Fewer business-focused tools compared to others.
• Best for: Small service-based businesses or freelancers.

7. Wise (formerly TransferWise)

Pros:

• • Great for international payments with low fees.
  • Transparent exchange rates.

Cons:

• • Limited support for in-person payments.
• Best for: Small businesses with international clients.

8. Payoneer

Pros:

• • Focused on cross-border payments.
  • Prepaid debit card options available.
  • Great for freelancers and marketplaces.

Cons:

• • Some fees for withdrawals and card use.
• Best for: International freelancers and remote workers.

9. Google Pay/Apple Pay

Pros:

• • Seamless for mobile and in-person transactions.
  • Low or no fees.
  • Widely trusted by users.

Cons:

• • Requires compatible devices and software integration.
• Best for: Businesses targeting mobile-savvy customers.

10. 2Checkout (now Verifone)

Pros:

• • Supports global payments and multiple currencies.
  • Flexible payment options for customers.

Cons:

• • Slightly higher transaction fees.
• Best for: E-commerce businesses with international customers.

Choosing the Right Payment Gateway

When deciding on a payment gateway, consider the following:

1. Transaction Fees: Compare percentages and fixed fees per transaction.
2. Ease of Integration: Ensure it’s compatible with your website, platform, or POS.
3. Customer Support: Look for gateways with reliable support.
4. Payment Methods: Make sure it supports the payment options your customers prefer.
5. Security: PCI compliance and fraud protection are non-negotiable.

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Choosing the right payment gateway can transform your small business operations and improve customer satisfaction. Whether you’re looking for a developer-friendly platform like Stripe, an all-in-one solution like Square, or a WooCommerce-specific gateway like Finix, there’s a perfect fit for your needs.