Payment gateways for WooCommerce compared

Quick answer: this page compares payment gateways compatible with WooCommerce using publisher documentation consulted on September 27, 2026 and gives guidance by merchant profile rather than naming a single winner.

Comparative table: quick at-a-glance

The table below summarises, for each gateway, the main payment modes documented, the type of integration with WooCommerce, availability for merchants in France/UE, where to check pricing, and a pointer on Subscriptions compatibility. Each cell cites the official page consulted on September 27, 2026.

How we compared (method)

Method: the comparison relies on official documentation published by each editor and on WooCommerce resources consulted on September 27, 2026. The main sources are the vendor integration pages, plugin repositories and public pricing pages listed in Sources & further reading. Criteria applied to each gateway:

Limits of the method: no live A/B tests or production conversion tests were run. No contractual or negotiated merchant rates were available from vendors and are not reported here. Implementation specifics should be validated against the official documentation and the merchant contract.

Reserve on pricing

Prices change. Always verify current tariffs on the vendor’s official pricing page. The vendor pages cited here were consulted on September 27, 2026; any fee mentioned in the text must be checked on the linked pricing page for the exact date and currency.

Stripe

What it documents: Stripe supports card payments and digital wallets. BNPL can be available via partner integrations in some countries. The Stripe integration for WooCommerce is an official plugin managed via the GitHub repository and the WooCommerce Stripe documentation consulted on September 27, 2026.

Integration: the official plugin provides native WooCommerce hooks and webhook handling. Compatibility notes and implementation details are in the plugin docs and repository linked above.

Pricing and DPA: consult Stripe and the WooCommerce comparative chart for fee models and the Stripe Trust Center or DPA pages for data processing details. See the sources below for direct links.

Advantages / drawbacks (fact‑based): widely used plugin maintained with public repo; payment mode breadth depends on country and partner availability.

PayPal

What it documents: PayPal offers PayPal wallet payments, and card acceptance through PayPal Checkout. WooCommerce documents the PayPal Payments integration and provides guidance on the plugin consulted on September 27, 2026.

Integration: an official PayPal Payments plugin exists for WooCommerce; check the WooCommerce documentation for current setup and behaviour with recurring payments.

Pricing & data: merchant fees and data policies are published by PayPal; consult the PayPal merchant pages for up‑to‑date fees and the trust centre for processing locations.

Advantages / drawbacks (fact‑based): broad consumer recognition; fees and behaviour for recurring payments should be checked on PayPal’s merchant pages.

Mollie

What it documents: Mollie supports multiple local payment methods relevant to EU merchants—cards, SEPA, iDEAL, Bancontact and wallets—documented on the Mollie WooCommerce integration page consulted on September 27, 2026.

Integration: an official Mollie extension exists for WooCommerce; consult Mollie’s integration docs for details on webhooks and subscription support.

Pricing: Mollie publishes a pricing page describing a blended model; check that page for current rates and specific country conditions.

Advantages / drawbacks (fact‑based): multi‑local capabilities for EU markets; pricing model described as blended on Mollie pages and must be verified on the vendor pricing page.

PayPlug (France)

What it documents: PayPlug positions itself for French merchants. The PayPlug tariffs page and product documentation were consulted on September 27, 2026.

Integration: PayPlug publishes a WooCommerce plugin and documentation; see the vendor site for integration and behaviour with refunds and subscriptions.

Pricing: consult PayPlug’s pricing page for up‑to‑date tariffs and contract terms.

Worldline / PayZen

What it documents: Worldline / PayZen offer acquiring and PSP services with integrations for French merchants. The PayZen pricing page was consulted on September 27, 2026.

Integration: Worldline/PayZen provide merchant solutions that can be used with WooCommerce via vendor documentation; check PayZen pages for specifics on connectors and subscription handling.

Pricing: see the PayZen pricing page for published offers and contact sales for custom acquiring terms.

Klarna (BNPL)

What it documents: Klarna provides BNPL options (pay later, instalments) and publishes an integration guide for WooCommerce. The Klarna integration guide was consulted on September 27, 2026.

Integration: Klarna offers integration paths for WooCommerce; merchant conditions and availability depend on country and on whether the merchant connects directly to Klarna or via a partner.

Pricing and merchant terms: consult Klarna merchant pages for commercial terms and fees.

Advantages / drawbacks (fact‑based): BNPL can increase average order value but merchant fees and country availability differ; confirm conditions with Klarna before enabling.

Security, refunds, chargebacks & Subscriptions

Security and operational handling are governed by each vendor’s documentation. Key checks for any gateway integration:

Data protection & transfers

Using a gateway does not by itself make a merchant compliant with data protection rules. Merchants should verify the vendor’s DPA and trust centre pages for processing locations and list of subprocessors. For questions about legal obligations on consent, trackers or transfers, consult the national data protection authority (CNIL) or legal counsel. Vendor trust centres and DPA documents were identified as the place to check on September 27, 2026.

Pricing comparison — how to read fees

Fee models vary. Common formats are percentage + fixed fee per transaction, blended pricing, monthly subscription, or custom acquiring contracts. BNPL typically involves higher merchant charges than card transactions. When comparing fees, confirm whether published fees are HT or TTC, and whether currency conversion or cross‑border surcharges apply. All fee figures must be read on the vendor pricing page and are subject to change; the pages below were consulted on September 27, 2026.

Which gateway for which profile? — Verdicts by profile

Recommendations below tie a merchant profile to documented product characteristics. No single gateway is declared best for all.

Solo / micro‑merchant, low budget

Look for an easy‑to‑install official plugin and clear public pricing. Official plugin availability and public pricing pages are documented for the vendors above; check the vendor documentation and pricing pages before committing.

Boutique FR/UE with strong local volume

Consider gateways offering local payment methods (SEPA, iDEAL, Bancontact) and local support. Mollie documents multi‑local payment support and PayPlug focuses on the French market; consult their integration and pricing pages.

Cross‑border, multidevise e‑commerce

Gateways that document broad currency support and multi‑country payment methods are relevant. Stripe and Mollie document multi‑currency and multi‑method capabilities; verify the specific countries and currencies on vendor pages.

Need for BNPL or instalments

Klarna and BNPL via partners are the documented options. Merchant fees and country availability differ; consult Klarna and the partner integration guide.

Enterprise / custom acquiring or marketplaces

Acquirers and PSPs such as Worldline/PayZen provide acquiring services and tailor contracts; contact vendor sales for acquiring terms and custom integrations.

Method & affiliation

Method: see “How we compared” above. All vendor pages cited were consulted on September 27, 2026. Affiliate links, if present on this page, are declared inline where they occur; check link labels before following.

What we do not know (what this page does not claim)

Related guides

• VirtueMart order email templates location and customization
• Shopify vs WooCommerce comparison for merchants
• How to Choose a Shopify Theme: Practical Guide
• E-commerce