Best Low‑Cost Payment Gateway Software for Startups

Curated list of affordable, feature‑rich payment gateway solutions ideal for early‑stage startups.

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#2 Stripe

Developer‑friendly API, pay‑as‑you‑go pricing, extensive docs, and built‑in support for subscriptions and marketplaces.

Widely recognized brand, simple integration, no monthly fees, and per‑transaction pricing suitable for low‑volume startups.

#4 Square

All‑in‑one solution with online checkout, invoicing, and POS; flat‑rate transaction fees and no setup costs.

PayPal‑owned platform offering free gateway, transparent per‑transaction fees, and support for multiple payment methods.

India‑focused gateway with low per‑transaction fees, easy SDKs, and built‑in support for UPI, wallets, and cards.

African payment gateway with simple pricing (1.5% + ₦100 per transaction) and quick onboarding for startups.

Cross‑border African gateway offering low fees, multiple local payment options, and a robust API.

#9 Mollie

European gateway with pay‑per‑transaction pricing, no monthly fees, and support for SEPA, iDEAL, Bancontact, and more.

#10 Adyen

Global processor with a transparent pricing model; ideal for startups planning rapid international expansion.

#11 PayU

Emerging‑market focused gateway with competitive rates and localized payment methods across LATAM, Asia, and Europe.

Simple integration, global coverage, and a 3.5% + $0.35 per transaction fee structure for low‑volume merchants.

Legacy gateway with flat‑rate pricing options, robust fraud tools, and easy integration for SaaS startups.

#14 Payoneer

Cross‑border payouts and payment collection with low fees for international freelancers and marketplaces.

#15 WePay

Integrated payments for platforms, offering transparent per‑transaction fees and quick onboarding via API.

Modern gateway with competitive pricing, multi‑currency support, and advanced analytics for scaling startups.

India’s leading wallet and UPI gateway, low transaction fees, and easy QR‑code checkout for early‑stage apps.

#18 Instamojo

Simple payment links and checkout for Indian startups, flat 2% + ₹3 per transaction fee.

#19 PayFast

South African gateway with no monthly fees, 2% per‑transaction cost, and support for cards, EFT, and wallets.

#20 Paysera

European gateway offering low‑cost SEPA transfers and card payments, with a 0.5% + €0.25 fee per transaction.

#21 Payline

French payment gateway with transparent per‑transaction pricing, no setup fees, and multi‑currency support.