Best Payment Providers for SaaS Companies15 providers compared

Stripe

SaaS & Developers

A developer-first payment platform known for its exceptional API design and comprehensive documentation. Stripe offers a full suite of payment infrastructure tools supporting over 100 payment methods across 135+ currencies. Ideal for SaaS companies, startups, and any business that values a modern developer experience.

Finix

Platforms & Direct Acquirer

A payment infrastructure platform built specifically for software platforms and marketplaces in the United States. Finix enables platforms to become their own payment facilitators with direct acquiring capabilities, offering white-label payment processing with advanced features like split transactions and merchant onboarding tools.

Square

Retail & Restaurants

An all-in-one commerce platform that combines payment processing with point-of-sale hardware and business management tools. Square is particularly popular with retail stores, restaurants, and service businesses that need integrated solutions for payments, inventory, and staff management. Their hardware ecosystem and free baseline tier make it accessible for small businesses to get started quickly.

Razorpay

Indian Startups

India's leading payment gateway, purpose-built for the Indian market and its unique payment landscape. Razorpay supports UPI, cards, wallets, netbanking, EMI options, and 100+ other payment methods with fast onboarding for startups. Known for its developer-friendly approach and strong presence among Indian startups and growing businesses.

Mollie

European Simplicity

A European-focused payment service provider known for its simplicity and quick setup. Mollie supports 35+ payment methods popular across Europe including iDEAL, Bancontact, SOFORT, and various cards, with transparent per-transaction pricing. Ideal for SMBs and startups in Europe who want to get started quickly without complex contracts.

Braintree

Mobile Apps

A PayPal-owned payment platform known for its developer-friendly SDKs and strong mobile integration. Braintree provides seamless access to PayPal, Venmo, and card payments through a single integration, making it popular among mobile apps and marketplaces. Offers a transparent Drop-in UI that simplifies checkout implementation.

Xendit

Southeast Asian e-commerce

Southeast Asian payment infrastructure platform supporting 100+ payment methods across Indonesia, Philippines, Vietnam, Thailand, Singapore, and Malaysia. Xendit specializes in local payment methods, e-wallets, bank transfers, and cross-border payments.

Coinbase Commerce

Crypto E-commerce

A cryptocurrency payment gateway from Coinbase that lets merchants accept Bitcoin, Ethereum, stablecoins, and other digital assets. With self-custodial settlement, merchants receive funds directly to their own wallets without intermediary custody. A straightforward option for businesses wanting to add crypto payment acceptance with minimal complexity.

Flutterwave

Pan-African Payments

A leading African payment platform that enables businesses to accept and send payments across the continent. Flutterwave supports cards, mobile money (M-Pesa and others), bank transfers, and USSD across Nigeria, Kenya, Ghana, and other African markets. An essential gateway for any business looking to tap into Africa's growing digital economy.

2Checkout (Verifone)

Digital Goods

A global payment platform now owned by Verifone, with particular strength in digital goods and subscription billing. 2Checkout supports 45+ payment methods across 200+ countries with built-in tax management and localized checkout experiences. A solid choice for SaaS companies and digital product sellers needing global reach.

Authorize.Net

Advanced Fraud Detection

One of the longest-running US payment gateways, founded in 1996 and now owned by Visa. Authorize.Net offers reliable card processing with an Advanced Fraud Detection Suite and strong recurring billing capabilities. A trusted choice for established US businesses, especially those needing virtual terminal and phone order support.

Paystack

Nigerian Market

A leading African payment gateway, acquired by Stripe in 2020, serving businesses across Nigeria, Ghana, South Africa, Kenya, and Côte d'Ivoire. Paystack offers excellent developer documentation, high payment success rates through intelligent routing, and support for local payment methods like bank transfers, USSD, and mobile money. The go-to choice for startups and established businesses in West and Southern Africa.

Griffin

Banking-as-a-Service API

A UK-licensed API-first bank offering Banking as a Service (BaaS) for fintechs and platforms. Griffin provides safeguarding accounts, client money management, and embedded banking products through modern APIs. Built for fintechs, neobanks, and platforms that want to embed compliant banking infrastructure without building it themselves.

Ping Payments

Nordic payment aggregator

A Nordic payment aggregator that brings together the region's most popular payment methods including Swish, Vipps, MobilePay, and open banking in one integration. Ping Payments makes it easy for merchants to accept payments across Sweden, Norway, Denmark, and Finland with local payment preferences supported.

Dwolla

ACH Payments

A US-focused ACH payment API that simplifies bank transfers for platforms and businesses. Dwolla provides programmatic access to ACH, real-time payments, and account verification with straightforward per-transaction pricing. Popular among platforms that need to move money between bank accounts without handling the complexity of direct ACH integration.