Choose a payment gateway
Which payment gateway suits your business, compared by country, ways to pay, automatic payments and how fast you can sign up.
A payment gateway lets customers pay you online by card, bank or wallet. You can connect as many as you like. Customers then pick one on the pay page. Most businesses start with one or two.
Gateways by region
| Gateway | Where it works | Customers can pay with | Automatic payments |
|---|---|---|---|
| Stripe | 45+ countries | Cards, Apple Pay, Google Pay, Link, local methods | Yes |
| PayPal | Most countries | PayPal balance, cards, Pay Later | No |
| Square | US, Canada, UK, Ireland, Spain, France, Australia, Japan | Cards, Apple Pay, Google Pay, Cash App Pay | No |
| Authorize.Net | US, Canada, UK, Europe, Australia | Cards and eCheck, through your merchant account | No |
| Braintree | US, Canada, Europe, UK, Australia and more | Cards, PayPal, Apple Pay, Google Pay | No |
| Mollie | Europe and UK | Cards, iDEAL, Bancontact, SEPA, Klarna, PayPal | No |
| GoCardless | UK, Europe, US, Canada, Australia, New Zealand | Bank payments and Direct Debit | No |
| Mercado Pago | Latin America | Cards, Pix, boleto, cash | No |
| Paystack | Nigeria, Ghana, South Africa, Kenya, Côte d'Ivoire, Egypt | Cards, bank transfer, USSD, mobile money | No |
| Flutterwave | Africa | Cards, mobile money, bank transfer | No |
| Tap Payments | Gulf countries | mada, KNET, Benefit, cards, Apple Pay | No |
| PayTabs | Saudi Arabia, UAE, Egypt, Oman, Jordan and more | mada, SADAD, KNET, OmanNet, cards, Apple Pay | No |
| Paymob | Egypt, Saudi Arabia, UAE, Oman, Pakistan | Cards, wallets, kiosks, installments | No |
| Xendit | Indonesia, Philippines, Malaysia, Thailand, Vietnam | Cards, e-wallets, bank transfer, QR | No |
Automatic payments charge a saved card for each new subscription invoice. See Automatic payments.
No gateway yet?
Turn on bank transfer on the Payments tab. It's free: customers pay into your bank and tell you the reference, and you confirm it. See Bank transfer.
Things to check before you choose
- Your currency. A gateway only appears on pay pages for currencies it takes. If you invoice in more than one currency, you may need two gateways. Each guide lists its currencies.
- Your customers. Pick the way of paying they already use - for example cards in the US, iDEAL in the Netherlands, mobile money in Kenya.
- Sign-up time. Every gateway checks your business before it pays out real money (called KYC or verification). Test keys usually work on day one; live keys can take a few days.
- Fees. Gateways charge a fee per payment. Ellibo adds nothing. Check the gateway's pricing page.
- Subscriptions. If you want subscription invoices charged by themselves, choose Stripe.
Using more than one
On the Payments tab you can:
- Order them. Use the arrows: the first one is shown first on pay pages.
- Limit them. Offer one only for certain currencies or up to an amount. For example, offer bank payments for large invoices and cards for small ones.
- Choose where. Offer one for invoices from all apps, for POS bills, or both.