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10 Best Payment Gateways Used in Canada

10 Best Payment Gateways Used in Canada

To sell online, you inevitably need payment gateways. Indeed, banks generally do not allow a direct connection between a bank account and a website. So, you need to shop around for vendors who can help you serve as gateways. In this article, we will see some of these providers who offer their services in Canada.

What is a payment gateway?

A payment gateway is a service that allows you to transfer money from a bank account or credit/debit card to another bank account. In fact, it acts as an intermediary between the buyer and the seller to facilitate online payment. Payment gateways are therefore used mainly for online commercial transactions. If you have had to shop online on e-commerce sites, you have definitely used a gateway.

How it works ?

When you make an online purchase from a website, the payment gateway retrieves the buyer's payment information, such as credit or debit card details. It then encrypts the payment information and sends it to the customer's bank for verification and authorization of the payment. Once the customer's bank approves the payment, the gateway finally transfers the funds to the seller's account.

Other payment gateway services

They may also offer additional features. Among the options, we can cite:

  • subscription management,
  • recurring billing
  • and reimbursement management.

Payment gateways may charge fees for their services, including transaction fees and monthly or annual fees.

Furthermore, before making a choice, you must inform yourself about the security of the solution. Among other things, you can validate that the gateway uses standard security protocols to protect customer and seller payment information. Additionally, they must be compatible with the seller's website and e-commerce management systems.

Here are 10 commonly used payment gateways in Canada

If you are in Canada, you will certainly wonder which gateway you have available for your website. Below are some.

PayPal

PayPal

PayPal is a popular online payment gateway that allows customers to pay with their PayPal account or credit card.

About

PayPal is an American online payment company, founded in 1998. This solution allows users to transfer money and pay online. PayPal acts as an online payment gateway for internet purchases and transactions.

How it works ?

To use PayPal, users must create a free account by providing their personal and banking information. Then, they have the choice of linking their PayPal account to their bank account or credit card to transact online.

PayPal also allows online payments on their website or mobile app. Indeed, businesses can integrate PayPal into their website using PayPal APIs to create custom payment buttons and payment forms.

Some features

PayPal also offers a variety of additional features, such as:

  • billing,
  • payments in several currencies,
  • and reimbursements.

Additionally, it charges fees for its services, including transaction fees for online payments. You may also have to pay currency conversion fees for payments in foreign currencies. You can also use PayPal for subscriptions .

The solution is available in many countries around the world. Millions of websites and online businesses use PayPal services. It is important to note that PayPal should be used with caution, as there may be risks related to the security and confidentiality of personal and banking information.

How to integrate PayPal on your website?

Integrating PayPal on your website can be a great way to simplify the checkout process for your customers. Here are the general steps you can follow to add PayPal to your site:

1. Creating a PayPal Business account

Before you can integrate with PayPal, you must have a PayPal Business account. If you don't already have one, you can register on the PayPal website.

2. Choosing PayPal integration

PayPal offers several options for integrating their services on your website, including:

  • PayPal Buttons: This is the simplest option for integrating PayPal. You can use PayPal's button builder to create HTML code that you can copy and paste into your site. These buttons allow users to pay with their PayPal account or credit card.
  • PayPal Checkout: This more advanced method incorporates a complete and secure payment process. It is mobile responsive and can adjust payment options depending on the user. It requires a little more configuration, especially with SDKs (software development kits) available for different programming languages.

3. Configuring the integration into your website

Depending on the option you choose, you may need to embed code on your site. For PayPal buttons, it's simply a matter of copying the HTML code provided by PayPal and pasting it where you want the button to appear on your site.

For PayPal Checkout, you will need to integrate the PayPal API. This may include adding scripts to your page and configuring the API to communicate with PayPal. Detailed guides and SDKs are available on the PayPal developer site.

4. Integration testing

Before launching your site with PayPal integration, it is crucial to test the payment process to ensure it works correctly. PayPal offers a "sandbox" environment for testing transactions without using real money.

5. Uploading

Once everything is working correctly in test mode, you can go live with the integration. Be sure to monitor initial transactions for possible issues.

For specific instructions and the latest updates, always visit the PayPal developer site and review their resources and technical documentation. This will help you choose the best option for your site and ensure you're following security and compliance best practices.

stripe

stripe

Stripe is another online payment gateway. Indeed, it allows businesses to receive credit and debit card payments directly on their website. You can also create products directly from Stripe and redirect customers. In other words, if you sell a service, you can create a link that users will use to complete the order.

About

Founded in 2010, Stripe is an American company that offers online payment solutions designed to facilitate commercial transactions on the Internet. Stripe functions primarily as a payment gateway, integrating secure payment methods for websites and mobile apps.

How it works ?

To use Stripe, merchants must create an account on the Stripe website. This account allows them to manage their payments, view transactions and access various reporting tools. Users do not need to create a Stripe account to pay, they can simply enter their payment details on the secure forms offered by Stripe on the merchant's website.

Stripe also offers the possibility of integrating its services into your website via its APIs. Developers can use these APIs to create custom payment forms and integrate features like recurring subscriptions or one-time payments.

Some features

Stripe offers many beneficial features, including:

  • Recurring billing and subscriptions : ideal for subscription-based services.
  • Multiple Currency Support : Allows businesses to receive payments in various currencies.
  • Refund management : simplified process directly accessible via the Stripe dashboard.

Like PayPal, Stripe imposes transaction fees for processed payments, as well as potential fees for currency conversions.

How to integrate Stripe on your website?

Integrating Stripe on your website to improve the checkout experience is relatively simple, with clear steps to follow:

  1. Creating a Stripe account It all starts with creating a Stripe account, which will allow you to access all the necessary resources.
  2. Choosing Stripe Integration Stripe offers several integration methods, such as:
    • Stripe Elements : Customizable UI components to create your own payment forms.
    • Stripe Checkout : An optimized and secure checkout form that is mobile-friendly and easy to integrate.
  3. Configuring the integration into your website Depending on the option chosen, the integration may vary. Stripe Elements will require further API integration while Stripe Checkout can be set up quickly with a few lines of code.
  4. Integration testing Use Stripe's sandbox to verify that everything is working correctly before moving to production.
  5. Go live Once the tests are satisfactory, you can deploy the integration on your live site. Monitor early transactions to ensure system stability.

For technical details and updates, the Stripe documentation site is a go-to resource. It provides detailed guides, code samples, and SDKs for various programming languages, helping you optimize the integration according to your specific needs.

Square

Square

Square is an integrated payments solution that allows businesses of all sizes to accept payments online, on mobile, and in person. Here's an overview of Square and how you can integrate it into your website.

About

Square, Inc. is an American company founded in 2009. It offers a full range of payment processing services and business tools. Square is particularly known for its point-of-sale (POS) solutions and mobile payment systems, but the platform also offers robust features for online payments.

How it works ?

To get started with Square, businesses must sign up and create a Square account. Once the account is set up, Square offers several options for managing financial transactions, including physical payment terminals, mobile apps, and web integrations.

For online payments, Square allows users to create online stores or integrate payment options directly into their own websites using Square APIs.

Some features

Square offers a variety of features to enrich the merchant and customer experience:

  • Point of Sale: A comprehensive POS application to manage sales, inventory and customer interactions.
  • Online Payments: Easy integration to accept payments on websites.
  • Invoicing: Tools for sending digital invoices and receiving payments.
  • Employee Management: Tools to track work hours and employee performance.

Square charges transaction fees for online payments, and may include other fees depending on additional services used.

How to integrate Square into your website?

Integrating Square on your website to process payments is a structured process:

  1. Creating a Square account It all starts with creating an account on Square. You will have access to the Square dashboard where you can manage all aspects of your Square services.
  2. Choosing Square integration It offers several methods to integrate payments:
    • Square API: Comprehensive APIs to create personalized payment solutions on your site.
    • Square Online Store: A platform for creating a fully functional online store directly from Square.
  3. Setting up the integration into your website Whether you choose to use Square API for a custom integration or the Square Online Store for a turnkey solution, Square provides detailed documentation and software development kits (SDKs) to make integration easy. 'integration.
  4. Integration Testing Take advantage of Square's development environment to test your integrations before going live to make sure everything works correctly.
  5. Going Live Once you have tested and adjusted your integration, you can put it live. Monitor early transactions closely to quickly identify and resolve any potential issues.

For specific instructions and the latest updates, always visit the Square developer documentation and explore available resources to ensure a secure, best-practice integration.

Moneris

Moneris is one of the very popular payment gateways in Canada. This is because it makes it easy to integrate credit and debit card payments directly on their website or in person. Additionally, Moneris solutions are available on customer websites or as software that businesses use at the point of sale.

Moneris is one of Canada's leading payment processors, offering a full range of payment processing services for credit and debit card transactions, online and in person. Here's an introduction to Moneris and details on how to integrate its services into your website.

About

Moneris Solutions Corporation was founded in 2000 as a joint venture between the Royal Bank of Canada and the Bank of Montreal. It is the largest payment processor in Canada and provides secure payment solutions to businesses of all sizes across the country.

How it works ?

To use Moneris, businesses must first open an account. Moneris then offers various solutions for accepting payments, whether through physical terminals, mobile apps, or online integrations.

For online payments, Moneris offers APIs and plugins for the most popular e-commerce platforms, enabling easy and secure integration of payment features on your website.

Some features

Moneris provides several useful services and features, including:

  • Point of Sale Solutions : Options for processing in-store payments.
  • Online payments : API and plugins to integrate payment processing on your website.
  • Risk management and security : Tools to help secure transactions and reduce fraud.
  • Reporting and Analytics : Detailed reporting tools to track and analyze financial transactions.

Moneris charges a transaction fee for each payment processed, which may vary depending on the type of account and transaction.

How to integrate Moneris on your website?

Integrating Moneris to process payments on your website requires a few key steps:

  1. Creating a Moneris Account Start by opening a business account with Moneris. You will receive the necessary information to access your account and begin onboarding.
  2. Choosing Moneris Integration Moneris offers a variety of integration methods, including:
    • Hosted Payment Gateway : Moneris hosts the payment form, reducing the PCI compliance burden on merchants.
    • Direct API : For a completely custom integration, you can use the Moneris API to integrate payment processing directly into your site.
  3. Configuring the integration into your website Depending on the option you choose, you could embed a simple link to a hosted payment form or develop a more complex integration using the Moneris API. Moneris documentation and SDKs will provide the necessary guidance.
  4. Testing the Integration Use the testing environment provided by Moneris to verify that your integration works correctly before releasing it to production. This allows you to detect and correct issues without affecting actual transactions.
  5. Go live After testing and validating your integration, you can put it into production. Continue to monitor transactions to ensure everything is working as expected.

For detailed instructions and up-to-date information, always consult the Moneris API documentation and explore the resources available on their website. This will ensure your integration is secure and compliant with industry standards.

Authorize.Net

Authorize.Net is also one of the payment gateways that allows businesses to receive credit and debit card payments directly on their website. You can use their API for integration. It is important to check if the solution you are using has easy integration with Authorize.Net

Payfirma

Payfirma allows businesses to receive credit and debit card payments directly on their website.

Beanstream

Beanstream allows businesses to receive credit and debit card payments directly on their website.

PaymentEvolution

PaymentEvolution is an online payment gateway that makes it easy for businesses to receive credit and debit card payments directly on their website.

Bambora

Bambora is an online payment gateway that allows businesses to receive credit and debit card payments directly on their website.

BluePay

BluePay is an online payment gateway that allows businesses to receive credit and debit card payments directly on their website.

How to integrate payment gateways on your website?

Integrating one of the existing payment gateways on a website highly depends on your choice. However, it may also depend on the e-commerce platform or website solution used. Here are the general steps to integrate a payment gateway on a website.

Choose payment gateway

You need to choose a payment gateway that meets your needs and is compatible with your website.

Create an account

To use the payment gateway, you need to create an account and provide your business and bank account information.

Configure payment gateway

Configure the payment gateway using the configuration options available on the payment gateway website. This may include setting up delivery, billing and payment options.

Integrate payment gateways on your website

Integrate the payment gateway into your website using the provider's instructions. Indeed, This can include the creation of buttons, custom forms or API integration.

Test the payment gateway

Finally, you need to test payment gateways. This allows you to ensure that payments are processed correctly. So carry out order and payment tests beforehand to ensure that the payment gateway is working properly.

It is important to choose payment gateways that best suit your needs. However, assessing optimal security and protection against online fraud is crucial. Additionally, you should check transaction fees, processing times, and security. This will allow you to make an informed decision. So, if you need the services of experts, contact us.

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