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4 Best Payment Gateways For Your Ecommerce Site in 2022 (UK)

19th October 2021

With more and more people becoming aware of the potential dangers of the internet, shoppers are becoming warier of what details they submit online and where. Although recent online shopping trends show that this does not hinder people from buying from websites, it does affect what type of website people buy from.

How websites ask for shoppers’ details, including payment information, can affect their likelihood to buy by 30%. So the payment options you offer your customers can drastically affect your conversion rate.

If you aren’t sure if your website offers the best payment options for your customers, this guide will help you to find an answer. It will give you independent information on the 4 best payment gateways for eCommerce sites in 2022, including PayPal, Amazon Pay, Opayo, and eBay. We will give you an overview of the features, pros, and cons of each so that you can be sure your payment options are not hindering your conversion rate.

What Is A Payment Gateway?

A payment gateway is a type of technology that is used to capture and transfer customer payments on a website. It is usually a third-party application that is installed on a website to allow payments from credit/debit cards to be authorised on behalf of online retailers.

One website can offer multiple payment gateways, however, which means that users have more choice in how they can pay.

Think of a payment gateway as a till used in a physical store. You can use cash, card, smartphones, or even a cheque to pay in a traditional physical store. Similarly, payment gateways provide different ways that you can pay for goods and services online.

Best Payment Gateways For Ecommerce Sites

There are lots of different types of payment gateway third-party applications that websites can choose and use. Most people will have heard of global applications, like PayPal, but there are many to choose from each with its own pros and cons when it comes to fees, set-up steps, and ease-of-use.

So with all of the options available for your eCommerce site, which payment gateways should you be using?

This guide will help you to understand the pros and cons of the 4 best payment gateways available for 2022, including their features, benefits, and things to be aware of.

1.   Opayo

Formerly known as Sage Pay, Opayo is another of the world’s largest payment gateways. In fact, it is arguably the most used.

It differs from PayPal and Amazon Pay in that it does not require a user to create an account or store card details. Instead, it relies on users inputting their card details every time they make a payment. Although this is less convenient than other options, it is easy for customers to use with a simple, familiar payment form. It allows users to shop from all over the world as it accepts payments in 30 global currencies. This allows businesses to sell in countries that other payment gateways, like Amazon Pay, do not. 

For businesses, Opayo also offers flexibility and freedom to the vendor, with a customisable appearance. Although its configuration can be technical, with the right support Opayo can be added to different types of web pages. It also has an added benefit of being able to take payments over the phone, which other payment gateways do not.


  • Easy to use for customers
  • Flat fees with no hidden charges
  • Accepts 30 currencies
  • Secure


  • More complicated setup
  • Less well know for customers

2.   PayPal

PayPal is one of the biggest global payment gateways available for eCommerce sites. It has 392 million active users and 29 million merchants.

It was the first payment gateway of its kind and rose to global dominance quickly due to the partnership with eBay. However, it’s continued popularity with customers and businesses alike is largely due to ease-of-use for everyone involved and security.

Websites that use PayPal often opt to do so because of this brand recognition, which customers know, trust, and believe is secure. PayPal is also relatively easy and convenient for customers to use, meaning they can complete purchases quickly and safely.

PayPal is also a quick payment solution for its merchants too. Transfers from PayPal to a business bank account often takes as little as two hours, which can be an essential lifeline for smaller businesses.


  • Easy for customers to use
  • Simple setup for businesses
  • Fraud protection
  • Optimized for both desktop and mobile
  • Secure
  • Quick payments


  • The fees can be slightly high if a business’ sales are low

3.   Amazon Pay

Amazon Pay followed the popularity of PayPal with a similar model that allows customers to use existing payment details stored on the Amazon Pay application in order to make their purchases.

It draws similar brand recognition for customers, who understand the security it offers and how easy it is to use. However, the main difference for businesses is that Amazon Pay provides an option to switch on the “recurring order”, which means that once a customer has decided to place an order with a business, they can simultaneously sign up to receive the same products at regular intervals of their choosing.

As part of the Amazon family, Amazon Pay also integrates with Alexa, which gives businesses the option to allow customers to purchase using their Amazon smart home speaker.


  • Great integration with websites
  • Easy to use
  • Customer details already verified
  • Recognised brand
  • Quick payments
  • Extra features
  • Secure


  • The fees can be slightly high if a business’ sales are low
  • Only available in the UK, US, and Germany

4.   Stripe

Stripe is one of the most popular payment gateways on the market, not surprising given the easy signup and the pay as you go pricing.

However, unlike the other solutions, it is geared towards web developers with plugin integrations readily available which can be applied to development projects that need to process transactions. As a result, it is harder to integrate and will require technical assistance. Although Stripe may be harder to integrate and is made to appeal to developers, this actually makes it extremely flexible and because of this, it can be plugged into any platform.


  • Reasonable charges
  • Pay as you go
  • Secure
  • Intergrates with most platforms


  • Built for developers

What Payment Gateway Is Best For Your Ecommerce Site?

 OpayoPaypalAmazon PayStripe
Set UpHardEasyEasyHard
ChargesFlat fee – no hidden chargesHighHighHigh
Website IntegrationGoodGoodGoodGood

As the largest and more comprehensive payment gateway, Opayo is the best payment gateway option if you opt to have only one on your website. It doesn’t require customers to have an account, which means there are fewer barriers to purchasing for your customers. Opayo has also partnered with Sellerdeck and seamlessly integrates with our interface. Read more about using Opayo with Sellerdeck here.

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