Best International Payment Gateways for Global Sellers in 2026
Selling across borders means navigating foreign currencies, local payment preferences, card networks, fraud patterns, cross-border pricing, and regulatory compliance. A global payment gateway should not only accept payments from many countries, it should do so in a cost-transparent way while minimizing failed transactions and operational overhead.
Below, we review ten international payment gateways, describing how they handle pricing, success rates, multi-currency support, alternative payment methods and other practical considerations for businesses selling globally.
1. xPay
xPay is a cross-border payment gateway designed specifically for international billing and sales operations, helping businesses collect payments from 180+ countries and in multiple local currencies. It supports cards, wallets and regional alternative payment methods, and provides tools for compliance such as automated sales tax collection across 100+ jurisdictions and instant financial documentation like FIRC for Indian entities. xPay integrates invoicing, billing and reconciliation tools into a single platform, with quick launch options like payment links and SDKs. xpaycheckout.com+1
xPay achieves around 95 % international payment success via smart routing and local acquiring logic while keeping overall cross-border costs lower than many alternatives (with combined FX and fees around ~3 % in typical use cases, compared with 3–4 %+ on many competitors). xPay also includes automated dispute and chargeback workflows, real-time visibility into risk scores, and unified support for local and global payment methods such as Apple Pay, PayPal and Klarna, all aimed at reducing friction in global checkout and operations. xpaycheckout.com+1
2. Stripe
Stripe supports payments in over 135 currencies and adjusts checkout dynamically to local customer preferences, with broad card and wallet acceptance. It emphasizes developer-friendly APIs and tools for recurring billing, marketplace payments, and platform integrations.
Stripe’s pricing model for card transactions typically starts at around 2.9 % + $0.30 per transaction, with additional international fees of ~1 % for cross-border cards and ~1 % for currency conversion on top of the base rate. There are no setup or monthly fees, and machine learning-based features aim to optimize authorization rates in core markets, though local acquiring presence varies by region, which can influence success rates outside North America and Europe. Stripe+1
3. PayPal
PayPal operates in more than 200 countries and offers both wallet and card acceptance. Because many consumers recognize the PayPal brand, it can boost trust for some buyers in certain markets, especially where wallet usage is high. The checkout flow may redirect users offsite depending on integration, which can be a trade-off between ease of use and control.
International fees with PayPal generally include transaction fees plus cross-border surcharges and currency conversion margins, which together often result in total costs above what many card-centric gateways charge. Pricing tends to be transparent, with no monthly fees, but the accumulation of cross-border and conversion costs can reduce net margins on global sales. Wise+1
4. Adyen
Adyen serves large global enterprises with unified global acquiring, dynamic currency conversion, and wide support for regional payment methods. Its pricing is typically on an interchange-plus model with fees that vary by payment method and country, without fixed monthly fees for core gateway features. While there are no widely published success metrics for all regions, local acquiring and deep integration into local schemes support competitive authorization performance.
Adyen’s platform includes built-in risk tools and compliance layers, which can benefit merchants with complex global payment flows. The lack of standard published pricing means estimates depend on negotiated contracts and the mix of payment types a business uses. BudgetCompare+1
5. Checkout.com
Checkout.com is a London-headquartered payment provider with support for payments in more than 150 currencies and broad coverage of cards and alternative payment methods. As both a gateway and acquirer, it combines routing, settlement and processing for enterprise clients including large ecommerce and marketplace brands.
Pricing with Checkout.com is typically quote-based and custom for each merchant, which allows flexibility at scale but can make cost comparisons harder for smaller sellers. With local acquiring in many regions and optimization features, the platform generally aims to maintain high authorization rates across markets. Wikipedia
6. Worldpay
Worldpay (part of FIS) has one of the broadest global footprints among payment processors, supporting transactions in 120+ currencies and hundreds of local payment methods. It caters to large merchants requiring wide geographic reach and multi-region compliance, and typically combines gateway, processing and acquiring services.
Pricing and contracts are often bespoke, and while this provides flexibility across regions, it also means costs can vary widely. Authorization rates benefit from integrating local payment schemes where available, though some merchants find the integration process and reporting infrastructure more complex relative to newer cloud-native platforms. UniBee
7. Braintree
Braintree, a PayPal subsidiary, offers global card and digital wallet payments alongside subscription and recurring billing capabilities. It supports payments in 130+ currencies and generally uses a flat-rate pricing model.
Typical pricing is around 2.59 % + $0.49 per transaction, with an additional 1 % cross-border fee for non-US cards and non-USD transactions, and wallet methods like Venmo priced separately. While Braintree’s simplicity and PayPal linkage can streamline adoption, its local alternative payment method coverage is narrower than some platforms focused on broad global acceptance. Wise+1
8. 2Checkout
2Checkout supports payments from customers in 200+ countries and offers multi-currency checkout with a variety of local payment options. It aims to simplify global selling for digital products and services with a relatively straightforward integration model.
Pricing typically starts around 3.5 % + $0.35 per transaction, and many plans include additional cross-border fees on top of base rates. While coverage is wide, actual authorization rates and settlement flexibility can vary with the selected plan and payment methods. Wise
9. Square
Square’s payment ecosystem is strong in markets such as the US, UK, Canada and Australia, combining in-store and online payments. It provides a simple, unified platform for merchants that prioritize integrated point-of-sale and ecommerce support.
Square offers fixed transaction pricing with limited multi-currency support and fewer region-specific payment options compared to global-first gateways. This makes it a solid choice for primarily domestic storefronts, but less optimal for businesses with significant cross-border revenue needs. UniBee
10. Amazon Pay
Amazon Pay allows customers to complete purchases using stored payment details from their Amazon accounts, which can create a familiar checkout experience. Its international availability is more limited than broader global gateways, and currency handling and settlement control are constrained compared to standalone gateways.
Amazon Pay’s pricing typically includes standard processing fees plus cross-border charges, and it generally complements rather than replaces a core gateway when targeting international customers. gocardless.com
Final Perspective
International payment gateways differ in how they balance pricing, global payment method support, success rates and operational ease. Gateways that combine multi-currency checkout, strong local alternative payment method coverage and transparent cross-border pricing can reduce transaction drop-offs and hidden costs. Choosing a gateway that fits both current revenue composition and future global expansion plans can materially influence growth outcomes.
