{"id":8962,"date":"2020-07-14T10:07:26","date_gmt":"2020-07-14T10:07:26","guid":{"rendered":"https:\/\/codeandpepper.com\/?p=8962"},"modified":"2020-11-29T16:19:31","modified_gmt":"2020-11-29T16:19:31","slug":"online-payment-processing-companies","status":"publish","type":"post","link":"https:\/\/codeandpepper.com\/online-payment-processing-companies\/","title":{"rendered":"Painless Payments: Top 5 Online Payment Processing Companies for Startups"},"content":{"rendered":"\n<p>Every digital business needs a reliable toolset that will support its operations. And for many of them, online payment processing platforms are essential: <a href=\"https:\/\/www.statista.com\/statistics\/700880\/monthly-sme-usage-of-online-tools-and-platforms-uk\/\" rel=\"nofollow\">according to a 2018 survey<\/a>, 62% of UK\u2019s small and medium enterprises use digital solutions to make or accept payments. However, choosing among a plethora of <strong>payment processing companies<\/strong> is not a breeze. This one decision can have serious implications in multiple areas, starting with customer experience, transaction security, and even your business cash flow.&nbsp;<\/p>\n\n\n\n<!--more-->\n\n\n\n<p>Are you facing a similar dilemma? Check out this practical guide to <strong>online payment processing for startups<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-payment-processing-providers\">What are payment processing providers?<\/h2>\n\n\n\n<p>A payment processor is fundamental to handling online commerce transactions. It\u2019s a third-party company responsible for transferring funds from a buyer\u2019s bank (an issuing bank) to a <b>merchant account<\/b>.&nbsp;<\/p>\n\n\n\n<p>The main function of a payment processing company is to validate transaction credentials (such as credit card details) obtained from a <strong>payment gateway,<\/strong> check funds availability and enable money transfer to the receiving bank account. In short, it intermediates between your bank and your customers\u2019 banks as well as tackles all security and fraud detection issues. It\u2019s worth noting that some <a href=\"https:\/\/codeandpepper.com\/2020\/06\/19\/payment-service-providers-challenges\/\">PayTech providers<\/a> offer an all-in-one service and merge payment processing and gateway into one platform, which simplifies the process.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/payment-processing.png\" alt=\"How online payment processing works\" class=\"wp-image-9175\" width=\"1200\" height=\"625\" title=\"Online payment processing diagram\" srcset=\"https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/payment-processing.png 1200w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/payment-processing-300x156.png 300w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/payment-processing-1024x533.png 1024w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/payment-processing-768x400.png 768w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/payment-processing-361x188.png 361w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/payment-processing-192x100.png 192w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/payment-processing-720x375.png 720w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/payment-processing-864x450.png 864w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/payment-processing-432x225.png 432w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><figcaption>From checkout to the merchant\u2019s account: the payment processing journey<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-wait-a-minute-do-i-even-need-payment-processing\">Wait a minute&#8230; Do I even need payment processing?<\/h2>\n\n\n\n<p>Checkout and payment are crucial yet highly vulnerable stages of the customer journey and can have a great impact on the overall <a href=\"https:\/\/codeandpepper.com\/services\/ui-ux-design\/\">user experience<\/a> or even put the purchase at risk. In fact, in Facebook\u2019s <a href=\"https:\/\/scontent-waw1-1.xx.fbcdn.net\/v\/t39.8562-6\/10000000_402803767042426_4387019457449426944_n.pdf\/ZFF_Report_US.pdf\" rel=\"nofollow\">Zero Friction Future<\/a> report, <b>purchase friction<\/b> was named among the top obstacles customers encounter when shopping online. According to the research, the major pain points regarding online payments are:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>limited payment options&nbsp;<\/li><li>transaction delay or failure&nbsp;<\/li><li>credibility issues<\/li><li>poor UX of the payment form<\/li><\/ul>\n\n\n\n<p>Therefore, payment processing platforms are indispensable whenever checkout is a critical element of the customer journey, e.g. in e-commerce, subscription businesses, marketplaces, and <a href=\"https:\/\/codeandpepper.com\/services\/mobile-app-development\/\">mobile apps<\/a>.<\/p>\n\n\n\n<p>Security and strict compliance with norms (such as <a href=\"https:\/\/www.pcisecuritystandards.org\/pci_security\/\" rel=\"nofollow\">PCI Security Standards<\/a> required for entities processing cardholder data) are another concern. However, these challenges can be addressed by choosing a reliable payment gateway and processor that will eliminate all possible issues in terms of compliance, UX, and purchase friction.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-top-5-online-payment-processing-companies\">Top 5 online payment processing companies&nbsp;<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-stripe\">1. Stripe<\/h3>\n\n\n\n<div class=\"wp-block-image is-style-default\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"690\" src=\"https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/Stripe-payment-processing-1024x690.png\" alt=\"Processing payments with Stripe\" class=\"wp-image-9275\" title=\"Screenshot of Stripe main dashboard\" srcset=\"https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/Stripe-payment-processing-1024x690.png 1024w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/Stripe-payment-processing-300x202.png 300w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/Stripe-payment-processing-768x518.png 768w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/Stripe-payment-processing-1536x1036.png 1536w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/Stripe-payment-processing-2048x1381.png 2048w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/Stripe-payment-processing-310x209.png 310w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/Stripe-payment-processing-148x100.png 148w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/Stripe-payment-processing-720x486.png 720w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/Stripe-payment-processing-864x583.png 864w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/Stripe-payment-processing-432x291.png 432w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption>Source: Stripe<\/figcaption><\/figure><\/div>\n\n\n\n<p><a href=\"https:\/\/stripe.com\/\" rel=\"nofollow\">Stripe<\/a> is an all-in-one digital payments suite: an <strong>online payment processing provider <\/strong>with an integrated gateway. With its huge market share, Stripe is the unquestionable leader of online payments and the <a href=\"https:\/\/www.forbes.com\/sites\/jeffkauflin\/2020\/02\/12\/the-10-biggest-fintech-companies-in-america-2020\/\" rel=\"nofollow\">largest privately-held US FinTech company<\/a> as of 2020.&nbsp;<\/p>\n\n\n\n<p>Stripe gives internet businesses multiple advantages when it comes to accepting payments: a complete, fully compliant, and global-ready platform with an API-first approach that allows for accepting a wide range of payment methods in 100 different currencies.<\/p>\n\n\n\n<p><b>Used by<\/b>: Kickstarter, Slack, Booking.com<\/p>\n\n\n\n<p><b>Pricing<\/b>: Payments with European cards: 1.4% + 20p per every transaction, non-European cards: 2.9% + 20p per transaction.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-recurly\">2. Recurly<\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"960\" height=\"600\" src=\"https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/recurly-subscribers-analytics.png\" alt=\"Recurly's subscribers analytics feature\" class=\"wp-image-9133\" title=\"Recurly analytics dashboard\" srcset=\"https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/recurly-subscribers-analytics.png 960w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/recurly-subscribers-analytics-300x188.png 300w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/recurly-subscribers-analytics-768x480.png 768w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/recurly-subscribers-analytics-334x209.png 334w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/recurly-subscribers-analytics-160x100.png 160w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/recurly-subscribers-analytics-720x450.png 720w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/recurly-subscribers-analytics-864x540.png 864w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/recurly-subscribers-analytics-432x270.png 432w\" sizes=\"auto, (max-width: 960px) 100vw, 960px\" \/><figcaption>Source: Recurly<\/figcaption><\/figure>\n\n\n\n<p><a rel=\"nofollow\" href=\"https:\/\/recurly.com\/\">Recurly<\/a> is a subscription-friendly provider that supports <strong>recurring payments<\/strong> by definition. It\u2019s the preferred choice for subscription-based startups with automated recurring billing: software-as-a-service tools, membership platforms, streaming media, box subscriptions with consumer goods and many other similar business models.<\/p>\n\n\n\n<p>Startups charging clients based on the recurring model often encounter problems, e.g. credit card declines, which break subscription continuity. This affects their key business metrics, such as customer churn rate and monthly recurring revenue. As a countermeasure, Recurly uses <a rel=\"nofollow\" href=\"https:\/\/blog.recurly.com\/using-machine-learning-to-optimize-subscription-billing\">cutting-edge machine learning solutions<\/a> to optimize billing and tackle involuntary churn caused by failed payments. However, a payment gateway doesn\u2019t come included, so connecting Recurly with another third-party solution is required.<\/p>\n\n\n\n<p><b>Used by<\/b>: Asana, Twitch, LiveChat<\/p>\n\n\n\n<p><b>Pricing<\/b>: Recurly\u2019s basic plan starts at a $149 monthly fee plus 0.9% per transaction.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-modulr\">3. Modulr<\/h3>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"649\" height=\"340\" src=\"https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/modulr-payments.png\" alt=\"Payments with Modulr\" class=\"wp-image-9276\" title=\"Modulr payment checkout flow\" srcset=\"https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/modulr-payments.png 649w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/modulr-payments-300x157.png 300w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/modulr-payments-361x189.png 361w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/modulr-payments-191x100.png 191w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/modulr-payments-432x226.png 432w\" sizes=\"auto, (max-width: 649px) 100vw, 649px\" \/><figcaption>Source: Modulr<\/figcaption><\/figure>\n\n\n\n<p>This payments-as-a-service API platform is a next-gen alternative to traditional banking for wholesale and business payment processing. <a rel=\"nofollow\" href=\"https:\/\/www.modulrfinance.com\/\">Modulr<\/a> targets mainly small businesses that rely on traditional banking infrastructure and are charged unreasonable administrative costs.&nbsp;<\/p>\n\n\n\n<p>With Modulr\u2019s REST API, startups can <b>embed instant payments<\/b> in their own platforms, such as web or mobile apps, and even build new payment and financial products based on Modulr\u2019s infrastructure (this service is already used by such a prominent FinTech as Revolut). But the provider goes beyond just processing payments, as it offers also payroll automation, payables and receivables flows, as well as real-time notifications, thus covering most of startup needs in terms of financial operations.<\/p>\n\n\n\n<p><b>Used by<\/b>: Revolut, Sage, Paxport<\/p>\n\n\n\n<p><b>Pricing<\/b>: Custom<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-trustly\">4. Trustly<\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"512\" src=\"https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/trustly-payment-method.png\" alt=\"Trustly, alternative payment processing method\" class=\"wp-image-9124\" title=\"Trustly bank payment\" srcset=\"https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/trustly-payment-method.png 768w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/trustly-payment-method-300x200.png 300w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/trustly-payment-method-314x209.png 314w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/trustly-payment-method-150x100.png 150w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/trustly-payment-method-720x480.png 720w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/trustly-payment-method-432x288.png 432w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/><figcaption>Source: Trustly<\/figcaption><\/figure>\n\n\n\n<p><a rel=\"nofollow\" href=\"https:\/\/www.trustly.net\/\">Trustly<\/a> is an alternative platform turning tables in online payments with a somewhat simple, yet unusual solution: <strong>online banking payments<\/strong> directly on the checkout page. Consumers can conveniently transfer money from their bank accounts to merchants in seconds, without being redirected to the online banking service.&nbsp;<\/p>\n\n\n\n<p>Trustly has an extensive partnership network, including banks in almost 30 European markets and processes over 9 million payments monthly. That\u2019s not all, folks: the provider also guarantees full coverage of the refund process, therefore taking this burden off the shoulders of their clients.<\/p>\n\n\n\n<p><b>Used by<\/b>: Shopify, Transferwise, PayPal<\/p>\n\n\n\n<p><b>Pricing<\/b>: Custom<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-5-braintree\">5. Braintree<\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"604\" src=\"https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/braintree-payment-processor-1024x604.png\" alt=\"\" class=\"wp-image-9184\" srcset=\"https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/braintree-payment-processor-1024x604.png 1024w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/braintree-payment-processor-300x177.png 300w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/braintree-payment-processor-768x453.png 768w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/braintree-payment-processor-1536x906.png 1536w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/braintree-payment-processor-354x209.png 354w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/braintree-payment-processor-169x100.png 169w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/braintree-payment-processor-720x425.png 720w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/braintree-payment-processor-864x510.png 864w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/braintree-payment-processor-432x255.png 432w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2020\/07\/braintree-payment-processor.png 1600w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption>Source: Braintree<\/figcaption><\/figure>\n\n\n\n<p>If you expected to see PayPal on this list, here it is&#8230; although disguised as a PayPal-owned service: <a rel=\"nofollow\" href=\"https:\/\/www.braintreepayments.com\/\">Braintree<\/a>. This provider integrates <strong>payment gateway and payment processing<\/strong> into one simple and accessible platform.&nbsp;<\/p>\n\n\n\n<p>Braintree allows businesses to accept a wide array of payment options (PayPal, Venmo, credit and debit cards, to name a few) and offers multiple third-party plugins to integrate with the most popular e-commerce platforms, ERP software and other handy tools. As for the UI, you can either take advantage of a ready-made interface or opt for a custom checkout flow.<\/p>\n\n\n\n<p><b>Used by<\/b>: Uber, GitHub, Dropbox<\/p>\n\n\n\n<p><b>Pricing<\/b>: 1.9% plus \u00a30.20 per transaction. Custom pricing available.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-wrapping-up\">Wrapping up<\/h3>\n\n\n\n<p>As you can see, there is an abundance of online payment processing companies that offer tailor-made solutions for startups. Not sure which one fits you best? Having problems integrating a chosen service with your app? We\u2019re here to help, so don\u2019t hesitate to <a href=\"https:\/\/codeandpepper.com\/contact\/\">contact us<\/a> to discuss your case in detail!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Every digital business needs a reliable toolset that will support its operations. And for many of them, online payment processing platforms are essential: according to a 2018 survey, 62% of UK\u2019s small and medium enterprises use digital solutions to make or accept payments. However, choosing among a plethora of payment processing companies is not a<a class=\"moretag\" href=\"https:\/\/codeandpepper.com\/online-payment-processing-companies\/\"> Read the full article&#8230;<\/a><\/p>\n","protected":false},"author":20427,"featured_media":8643,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1688],"tags":[934,1451,1452],"class_list":["post-8962","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fintech-business","tag-fintech-startups","tag-payment-processing","tag-payment-solutions"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Payment Processing Companies for Startups | Code &amp; Pepper<\/title>\n<meta name=\"description\" content=\"How to choose the best service between a plethora of payment processing companies? 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