woocommerce payment problems

Best WooCommerce Payment Gateways for WordPress

You have given a lot of thought to your business, but did you put a lot of thought into choosing the best WooCommerce payment gateways? You should.

Bringing in sales is the most important part of any business, but it’s just as important to choose the right method for accepting payments. After all, if it’s too difficult for your customers to pay, they’re going to abandon their cart and you’re going to lose sales.

A payment gateway is a web-based program designed to accept and process payments such as credit and debit cards. If you’re planning to sell products or services on your site, chances are you need a payment gateway.

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The only reasons why you wouldn’t need one are if you don’t plan on accepting payments or you only want to accept payments in your brick and mortar store.

Like most businesses, you’re likely already accepting payments in WordPress and WooCommerce or you’re planning on it. So, here’s the best WooCommerce payment gateway plugins for WordPress. I’ll also cover tips for choosing the right one for your site.

Deciding on a Payment Gateway

Knowing more about payment gateway integration in WordPress is key in order to decide between them all. First up, is knowing that there are two main types of gateways: Redirect and direct.

A redirection gateway is one where a customer needs to leave your site in order to pay. They get sent to an external page in order to process a payment. In most cases, a customer is redirected to the company’s site that manages the gateway.

On the other hand, a direct gateway handles payments on your site only and a customer doesn’t need to leave your site in order to process a payment.

Redirection is the best payment gateways option if you don’t want to be responsible for beefing up your site’s security since getting hacked could mean all your clients’ credit card and personal information gets stolen.

Although, it’s not as professional as direct gateways since customers need to leave your site in order to pay. This could leave them feeling uneasy if they aren’t familiar with the type of payment gateway you’re using This is why the best payment gateways for most businesses are direct.

It helps build the trust of your customers, but you do need to make sure your site’s security is up-to-date.

For more details on how to amp up your security, you can check out a couple of our other posts:

Besides considering cost, it’s also important to choose payment gateways that accept business from your country and your customers’ country of origin. Otherwise, you’re likely to see a drop in sales and an increase in customer complaints.

That’s why mixing and matching your gateways may be the best solution if one of the gateways you choose doesn’t cover a country where you get a lot of your customers.

You could also choose one gateway that covers most people, then offer an alternate form of payment for customers who contact you. This could be the best option if you expect most of your customers to be covered by one gateway.

In either case, tracking your site’s analytics is a great way to see where your customers live so you can better plan what the best payment gateways are for your business.

Best WooCommerce Payment Gateways for WordPress in 2019

These are the best WooCommerce payment gateways because they serve the most countries and they’re among the most trusted companies that offer payment processing. They’re also direct gateways to help your business look professional.

These options are available for credit card payment gateway integration in WordPress. You can also use them with WooCommerce.

You can integrate these gateways for free or as a premium upgrade with most WordPress eCommerce payment gateway plugins. They’re also all available as premium gateways for WooCommerce. Although, some of the options are free and others have a fee associated with them.

Keep in mind that each of these solutions requires you to have an SSL certificate installed in order to use them. They also require you to sign up for an account.

1. PayPal Pro

PayPal has many options for businesses.

PayPal is one of the most trusted companies when it comes to processing payments. They have many gateway solutions, but some of them are basic and use the redirection method for payments.

PayPal Pro uses the direct method and can handle regular product sales, but can’t process recurring payments such as subscriptions. It also costs $35 per month and there’s a PayPal transaction fee of 2.9% plus 30 cents.

The WooCommerce extension for PayPal Pro rings in at $79 for a single site subscription. Or you might also want to check out the PayPal for WooCommerce plugin.

2. Braintree

Braintree is a PayPal company.

If you like the idea of using PayPal, but want to be able to offer subscriptions or you’re looking for a free option, Braintree may be the solution for you. It’s a PayPal company so it’s also a solution you can trust.

There are no monthly fees and you can payments from all major credit cards, plus wallets such as Apple Pay and Android Pay. There’s a transaction fee of 2.9% plus 30 cents, although, your first $50,000 is free.

Your customers also have the option to save their payment details for an easier shopping experience. There a WooCommerce extension for Braintree and it’s free which is also a bonus.

Stripe is quickly becoming a popular gateway.

Stripe is a fast-growing payment gateway that’s able to handle recurring payments and can process refunds automatically. The most popular WordPress eCommerce plugins support it and there also a free Stripe WooCommerce extension available.

Stripe processes all major credit cards and debit cards. Plus, it also accepts Apple pay and customers can save their payment details. There’s no monthly fee, but there is a transaction fee of 2.9% and 30 cents. They also have a fraud prevention product called Radar. For more you can read in this detailed guide: How to Prevent and Reduce Credit Card Fraud by 98% Using Stripe Radar.

There’s no monthly fee, but there is a transaction fee of 2.9% and 30 cents. Unlike PayPal, if a customer disputes a charge, it sets you back $15, but if you win, you get this fee refunded.

4. Authorize.net CIM

Authorize.net CIM has tons of features, but isn’t as cost effective.

Authorize.net CIM is a popular choice for many businesses because it boasts a lot of features. It accepts all major credit cards and debit cards, and also handles refunds, subscriptions and pre-orders. Customers also have the option to save their payment details for their next purchase.

Like the other solutions listed here, there’s a fee of 2.9% and 30 cents per transaction. There’s also a $49 setup fee and a subscription fee of $25 per month.

There’s a WooCommerce extension for Authorize.net CIM and if you decide to use it, it’s going to set you back $79 for a single site.

Which Payment Gateway is Best?

The best WooCommerce payment gateways are the ones that work for you and your business. I’ve covered the overall best gateways around, but it’s ultimately up to you to decide which one is best.

For more details on how to setup an online store with WooCommerce, check out our guide How to Setup WooCommerce on Your Website – A Complete Tutorial.

For other WordPress eCommerce plugin options, check out Sell with WordPress: 6 Free E-Commerce Plugins.

Have you used any of these WooCommerce payment gateways? What’s your experience with them? Which WooCommerce and WP payment gateway plugin or extension do you use? Which ones do you think are the best WooCommerce payment gateways? Feel free to share your experience in the comments below.


This is a myghpay payment gateway for WooCommerce.
myghpay is an integrated and secure online payment and collection platform designed to enable individuals, businesses and institutions to make or receive payments online from their homes or offices.
myghpay Woocommerce Payment Gateway allows you to accept local and International payment on your Woocommerce store via the use of a Visa/ MasterCard, Gh-link enabled card, mobile wallets and GTBank Ghana (ibank details).
To get a myghpay merchant account visit myghpay website by clicking here
With this myghpay Woocommerce Payment Gateway plugin, you will be able to accept the following payment methods in your shop:
• MasterCard
• Visa
• Gh-link
• GTBank Ghana

This plugin currently only allows Ghana Cedi currency and is meant to be used by merchants in Ghana.


• Accept payment via MasterCard, Visa,mobile wallets (MTN, TIGO-AIRTEL, VODAFONE) and GTBank Ghana Account.
• Seamless integration into the WooCommerce checkout page.
• Prevent Fraud – Confirm payment from myghpay reporting portal before approving on woocommerce.
• Risk Management – myghpay is PCI Level 1 compliant (geek for secure as hell). So all card data is stored securely.
• Receive Payments Quickly – Your funds are automatically deposited into your merchant bank account instantly. However Visa/MasterCard transaction are deposited within two business days.
• Free Help – myghpay provides free technical and account support to merchants, as well as access to online documentation and user guides ([email protected]).

Contributors & Developers

Developed by: Emmanuel Adu-Asare
Email: [email protected]

Reason for creating this plugin:

E-commerce is fast-becoming the convenient go-to in sales strategy for most sellers. Reason being cost-saving, wide reach and relative ease of management of clients and staff. Ghana, a developing nation has caught on to this recent rave. In doing this, Ghanaian e-commerce owners have also realized the ease, convenience and efficiency of using such a strategy with many choosing WordPress WooCommerce as their preferred E-Commerce system. However, the only inhibiting factor is the absence of a payment facilitation tool to complete the online buying experience.
I, a developer, myself, realized this gap after having developed many e-commerce websites for clients in varying industries without payment gateway.
The advent of a free online payment tool developed by GTBank (myghpay) has made it possible for the wish of many e-commerce owners to be realized. I have therefore created this plug-in to enable the full integration of this payment tool with many e-commerce websites developed from WordPress with woocommerce.

Suggestions / Feature Request

If you have suggestions or a new feature request, feel free to get in touch with me via the contact form on my website here

You can also follow me on facebook! @emmaaduasare


  • myghpay Woocommerce Payment Gateway setting page


Automatic Installation

• Login to your WordPress Admin area
• Go to “Plugins > Add New” from the left hand menu
• In the search box type “myghpay Woocommerce Payment Gateway”
• From the search result you will see “myghpay Woocommerce Payment Gateway” click on “Install Now” to install the plugin
• A popup window will ask you to confirm your wish to install the Plugin.

If this is the first time you’ve installed a WordPress Plugin, you may need to enter the FTP login credential information. If you’ve installed a Plugin before, it will still have the login information. This information is available through your web server host.

• Click “Proceed” to continue the installation. The resulting installation screen will list the installation as successful or note any problems during the install.
• If successful, click “Activate Plugin” to activate it.
• Open the settings page for WooCommerce and click the “Chechout,” tab.
• Click on the sub tab for “myghpay”.
• Configure your “myghpay” settings. See below for details.

Manual Installation

• Download the plugin zip file
• Login to your WordPress Admin. Click on “Plugins > Add New” from the left hand menu.
• Click on the “Upload” option, then click “Choose File” to select the zip file from your computer. Once selected, press “OK” and press the “Install Now” button.
• Activate the plugin.
• Open the settings page for WooCommerce and click the “Checkout,” tab.
• Click on the sub tab for “myghpay”.
• Configure your “myghpay” settings. See below for details.

Configure the plugin

To configure the plugin, go to WooCommerce > Settings from the left hand menu, then click “Checkout” from the top tab. You should see “myghpay” as an option at the top of the screen. Click on it to configure the payment gateway.

You can select the radio button next to myghpay from the list of payment gateways available to make it the default gateway.

• Enable/Disable – check the box to enable myghpay Payment Gateway.
• Title – allows you to determine what your customers will see this payment option as on the checkout page.
• Description – controls the message that appears under the payment fields on the checkout page.
• Client ID – enter your myghpay client id here. You will get this in your myghpay merchant account.
• Client Secret – enter your myghpay client secret here. You will get this in your myghpay merchant account.
• Base URL – The base URL for myghpay client payment. Use the test URL on staging and live URL on production.
• Shop Name – Enter your shop name. This will be displayed on myghpay payment engine.
• Test Mode – myghpay merchant account comes with test and live credentials. The default base url is Live URL.
• Secure Hash – Enter your secure hash key here. You will get this in your myghpay merchant account.
• Return Page – URL of success page.
• Click on Save Changes for the changes you made to be effected.

• Yes. In order to use this plugin you will need a merchant services account with GTBank Ghana. For more information, please visit: https://myghpay.com/Merchant.aspx. If you already have a merchant account set up, chances are the gateway will integrate with it. Send an email: [email protected] or call our office: +233 501 409 490 to find out more.

What is the cost for the gateway plugin?

• This plugin is a FREE download with no annual fee or maintenance fee charge. However, transactions involving Visa and MasterCard has a service charge. This is per merchant agreement with myghpay.

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