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Non-Crypto Payment Gateways to Look Out For in 2022

by Alexander Malygin


4 min read

There are many payment gateway providers on the market that you can integrate with your website for a small maintenance fee or a fixed monthly fee, depending on the number of transactions your website expects. It's worth noting that for low-volume sales, a simple payment gateway will be the most effective option in the short term, as monthly payments can cut revenue more than processing fees.

If you are running a startup or business, then you are surely looking for the best option for accepting card payments online or in a store. In this regard, Finscanner has compiled a list of excellent non-crypto payment gateways on the market so you can provide your customers with the quality service they need in 2022.

Related article: Crypto Payment Gateway

Please note: These recommendations are in no particular order of preference. The indicated score rating of the company is not the main criteria by which the current list was formed. However, its importance should not be underestimated. The score consists of a combination of the following components: TrustPilot score, general pricing of the services, social media presence, the popularity of the service, onboarding difficulty, and support quality.

Stripe Payments UK LTD

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Stripe Payments is a powerful e-money institution incorporated in the UK, authorized and regulated by the Financial Conduct Authority, specializing in e-commerce. The company offers POS systems, payment platform, billing platform, prepaid cards. The main difference of this service is that it provides several flexible tools to customize your own payment processes.

Pros: Built-in APIs and developer tools, no monthly fee mobile payments, transparent pricing with no setup
Cons: Requires technological expertise, limited functionality for in-person businesses

Currency: 135+ currencies Business focus: Software platform for running Internet business. Pricing:
1.4% + €0.25 for European cards
2.9% + €0.25 for non-European cards
0.4% per paid invoice, first 25 invoices free per month


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Square is another advanced electronic money institution incorporated in the United Kingdom, authorized and regulated by the Financial Conduct Authority, best known for its POS system. The company offers comprehensive payment gateways with a massive selection of APIs, payment terminals, and card acceptance to merchants. The main difference of this service is that it provides extra features such as customer relationship tools, employee management tools, and advanced reporting.

Pros: No monthly fee, excellent feature sets, transparent flat-rate pricing, excellent tools to improve connections with target audience
Cons: Not suitable for large businesses, limited third-party marketplaces

Currency: 25 currencies
Business focus: Payment solutions for businesses.
2.9% + 30¢ (online card payment)
2.6% + 10¢ (in-person card payment)
no fee for invoice


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Adyen is a payment processing company appealing for small businesses that want to accept payments across multiple sales channels. The company offers gateway, processing, acquiring, and settlement of payments, accepting more than 250 payment methods. The main difference of this service is that it provides an ability to analyze transaction data to benefit from data insights to learn customer behavior.

Pros: No monthly and setup fees, used by major firms like Uber, Spotify, Microsoft and eBay
Cons: Complex pricing model, limited functionality for in-person businesses

Currency: 150 currencies
Business focus: Online payments.
Pricing: Adyen charges a processing fee + commission per transaction which varies depending on payment method and country. Starting from: $0.10. Learn more here.

This is an image is a Visa-owned online payment gateway, specializing in e-commerce. The company offers virtual terminal, phone, recurring, mobile, e-check, and virtual point-of-sale (POS) payments, accepting international payments using more than 140 payment solutions, along with a wide selection of software integrations. The main difference of this service is that it provides flexible options that include an All-in-One option or Payment Gateway Only package.

Pros: Designed for any business, easy to set up and use
Cons: Monthly fee, requires separate merchant account, lack of reporting and in-person payment features

Currency: 12 currencies
Business focus: Online payments.
Pricing (Payment Gateway Only/All-In-One Account):
Monthly fee: $25
Transaction fee: ¢10 per transaction + ¢10-cent daily batch fee/ 2.9% + ¢30

Verifone (2Checkout)

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Verifone is a payment provider that is commonly used by online merchants. The company offers global payments, subscription billing, pre-configured and customizable reports, and additional integrations. The main difference of this service is that it is strictly online and available as a plugin for major e-commerce platforms, and can process a wide range of global currencies.

Pros: No monthly charges, flat-rate pricing model, used by major firms like ABBYY, Absolute, HP Software, Kaspersky Lab
Cons: Can only accept payments online

Currency: 87 currencies
Business focus: Online payments.
2SELL: 3.5% + $0.35 per sale
2SUBSCRIBE: 4.5% + $0.45 per sale
2MONETIZE: 6.0% + $0.6 per sale

After reviewing our best pick of traditional payment gateways, one should also pay attention to the alternative evolving payment methods. The growing market demand for currencies like bitcoin opens up new business potential. If you are considering such innovations for your business, then we are glad to inform you that soon we are about to highlight our best pick of crypto payment gateways. Stay tuned!

Find more financial services at the Finscanner Marketplace and explore all the benefits for your business!

Have questions? Feel free to contact us directly today!

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