{"id":3929,"date":"2025-05-05T10:09:58","date_gmt":"2025-05-05T08:09:58","guid":{"rendered":"https:\/\/trackboxx.com\/?p=3929"},"modified":"2025-05-05T10:09:59","modified_gmt":"2025-05-05T08:09:59","slug":"payment-provider-online-shops-comparison","status":"publish","type":"post","link":"https:\/\/trackboxx.com\/en\/zahlungsanbieter-onlineshops-vergleich\/","title":{"rendered":"Payment providers for online shops compared: which one is right for you?"},"content":{"rendered":"

If you run an online shop<\/a>, one thing matters above all: customers must be able to pay quickly, securely and conveniently<\/strong> . That is the role of a payment service provider (PSP), sometimes referred to as a payment service provider (PSP)<\/strong> or payment gateway<\/strong>.<\/p>\n\n\n\n

This guide compares the main options, explains their differences and highlights the criteria that matter when choosing a provider.<\/p>\n\n\n\n

Why does an online shop need a payment provider?<\/h2>\n\n\n\n

Payment providers handle essential parts of the transaction infrastructure, including:<\/p>\n\n\n\n

    \n
  • Accepting card payments<\/strong><\/li>\n\n\n\n
  • Adding methods such as PayPal and Klarna<\/strong><\/li>\n\n\n\n
  • Screening transactions for potential fraud<\/strong><\/li>\n\n\n\n
  • Processing refunds<\/strong><\/li>\n\n\n\n
  • Supporting compliance with standards such as PCI DSS<\/strong><\/li>\n<\/ul>\n\n\n\n

    In short, they remove much of the technical and operational complexity involved in taking payments.<\/p>\n\n\n\n

    Popular payment providers at a glance<\/h2>\n\n\n\n

    These are some of the best-known options for online retailers:<\/p>\n\n\n\n

    Provider<\/strong><\/td>Payment methods<\/strong><\/td>Indicative fees*<\/strong><\/td>Ideal for<\/strong><\/td>Key features<\/strong><\/td><\/tr>
    Stripe<\/strong><\/td>Credit card, Apple Pay, Google Pay<\/td>1.4-2.9 % + \u20ac 0.25<\/td>Modern shops and start-ups<\/td>Developer-friendly with strong APIs<\/td><\/tr>
    PayPal<\/strong><\/td>PayPal account, direct debit, credit card<\/td>2.49-2.99 % + fixed amount<\/td>Broad recognition across many markets<\/td>Familiar to customers and quick to introduce<\/td><\/tr>
    Klarna<\/strong><\/td>Pay later and instalments<\/td>1.99-2.99 % + \u20ac 0.35<\/td>Higher-priced products<\/td>Klarna assumes eligible credit risk for pay-later purchases<\/td><\/tr>
    Mollie<\/strong><\/td>Many (incl. Sofort, Giropay, Apple Pay)<\/td>from 1.8 % + \u20ac 0.25<\/td>Flexible and international<\/td>Straightforward integration and a broad range of methods<\/td><\/tr>
    Shopify Payments<\/strong><\/td>Credit cards, Klarna, Apple Pay<\/td>Comparable to Stripe and built in<\/td>Shopify shops<\/td>Native integration can avoid Shopify's additional third-party transaction fee<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

    *Fees vary by country, payment method, volume and contract. Check current provider pricing before deciding.<\/p>\n\n\n\n

    What should you consider?<\/strong><\/h2>\n\n\n\n

    Focus on the criteria that affect your customers and your margins:<\/p>\n\n\n\n

      \n
    • Audience and payment preferences:<\/strong> Preferences differ by audience and market. Mobile wallets may matter for some groups, while invoice payments remain important in parts of Europe.<\/li>\n\n\n\n
    • International coverage:<\/strong> Will you need additional currencies or local payment methods outside Germany?<\/li>\n\n\n\n
    • Platform integration:<\/strong> Does the provider integrate reliably with Shopify, WooCommerce or Shopware?<\/li>\n\n\n\n
    • Customer experience:<\/strong> A fast, trustworthy checkout can reduce abandonment and improve conversion.
      <\/li>\n<\/ul>\n\n\n\n

      Conclusion<\/strong><\/h2>\n\n\n\n

      There is no single best payment provider<\/strong> \u2014 only the best fit for your shop. Many retailers combine providers, such as Stripe plus<\/em> PayPal, to cover the payment methods their customers expect.<\/p>","protected":false},"excerpt":{"rendered":"

      Wenn Du einen Onlineshop betreibst, willst Du eines ganz sicher: dass Deine Kund*innen einfach, sicher und bequem bezahlen k\u00f6nnen. Genau hier kommen Zahlungsanbieter ins Spiel \u2013 auch bekannt als Payment Service Provider (PSP) oder Payment Gateway. In diesem Artikel bekommst Du einen \u00dcberblick \u00fcber die wichtigsten Zahlungsanbieter, ihre Unterschiede und worauf Du bei der Auswahl […]<\/p>\n","protected":false},"author":1,"featured_media":3931,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[63,1],"tags":[],"class_list":["post-3929","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-e-commerce","category-blogboxx"],"acf":[],"_links":{"self":[{"href":"https:\/\/trackboxx.com\/en\/wp-json\/wp\/v2\/posts\/3929","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/trackboxx.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/trackboxx.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/trackboxx.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/trackboxx.com\/en\/wp-json\/wp\/v2\/comments?post=3929"}],"version-history":[{"count":0,"href":"https:\/\/trackboxx.com\/en\/wp-json\/wp\/v2\/posts\/3929\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/trackboxx.com\/en\/wp-json\/wp\/v2\/media\/3931"}],"wp:attachment":[{"href":"https:\/\/trackboxx.com\/en\/wp-json\/wp\/v2\/media?parent=3929"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/trackboxx.com\/en\/wp-json\/wp\/v2\/categories?post=3929"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/trackboxx.com\/en\/wp-json\/wp\/v2\/tags?post=3929"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}