It’s no secret that many consumers like to pay online with their credit cards, and businesses are all too eager to accept them. Making it easier for customers to pay and process these payments, though, can be more complicated than you might expect. There are plenty of choices to help you accept payment in your app or on your website, but how do you know which is the best choice? That’s what we’re here to help you figure out. Here are ten of the top payment APIs out there, along with some pros and cons about using each service.

PayPal REST API

If you’re looking for a payment API that can do it all, PayPal is a great option. With over 200 million active users, PayPal is one of the most popular payment methods worldwide. Plus, PayPal offers a wide range of features, including the ability to send and receive payments, set up recurring payments, and more. They also have the highest level of security regarding transactions with 100% protection from fraud, so your customers are always safe with their transactions. In addition, they offer an excellent mobile experience with native applications on both iOS and Android. However, there’s no such thing as being perfect, and PayPal has its limitations too.

Pros of PayPal API

• You don’t need a bank account to use PayPal.
• All you need is an email address and a credit or debit card.
• It’s available in over 200 countries and 25 currencies.
• PayPal is convenient — you can send and receive money with just a few clicks.
• PayPal is secure — your financial information is never shared with the recipient.

Cons of PayPal API

• You’re charged a fee for every transaction, which can add up quickly.
• There’s a limit on how much money you can send in a single transaction.
• You’re not able to send or receive payments from certain countries.
• PayPal can put a hold on your account if they suspect fraudulent activity.
• There have been reports of accounts being hacked and money being stolen.

Google Pay API

The Google Pay API lets you request any credit or debit card stored in your customer’s Google account — including Android Pay, Gmail, YouTube, and Chrome — to make payments. You can also use the API to support in-app purchases on Android and iOS. The API is fast, secure, and easy to use. Plus, it’s backed by Google, so you can be sure it will always be up-to-date. If you’re looking for a comprehensive solution with many different features, this might be the best choice.

Pros of Google Pay API

• Google Pay is a fast and easy way to pay online, in apps, and in stores.
• It saves you time by letting customers pay with just a few clicks or taps.
• You can use Google Pay to send money to friends and family or to pay for goods and services.
• Millions of businesses worldwide accept Google Pay, so it can be used in many retail environments.
• It’s secure — Google keeps your payment information private and doesn’t share it with merchants when you pay using Google Pay.
• You can also add a layer of security by setting up a PIN or fingerprint authentication for your device.

Cons of Google Pay API

• The Google Pay API can be a bit confusing to use at first. However, it’s pretty simple once you get the hang of it.
• While the Google Pay API is free to use, some fees are associated with certain transactions.
• You’ll need a Google account to use the Google Pay API.
• The Google Pay API doesn’t currently support all countries.
• There are limits on how much you can spend using the Google Pay API.

Stripe API

The Stripe API is one of the most popular payment APIs out there. It’s easy to use and has many features, making it an excellent choice for businesses of all sizes. Plus, Stripe is constantly adding new features and expanding its reach. Stripe doesn’t charge sign-up costs, but at the time of writing, they take 9% plus $0.30 per successful transaction through their platform. They also offer three tiers of pricing: Standard, Advanced, and Enterprise. Standard charges 0% + $0.30 per transaction with a minimum monthly fee of $20, Advanced charges 1% + $0.30 per transaction with no minimum monthly fee, and Enterprise requires an annual contract with no transaction limits for 0%.

Pros of Stripe API

• The Stripe API is straightforward to use. You can be up and running in minutes, and there’s no need for a merchant account.
• Stripe is a very versatile platform. It supports 100+ currencies and can be used in any country.
• The Stripe API is constantly being updated with new features and improvements.
• You can use the Stripe API to accept payments from all major credit cards, including Visa, Mastercard, American Express, Discover, JCB, and Diners Club.
• The Stripe API also supports ACH transfers and Apple Pay.
• The Stripe API is well-documented.

Cons of Stripe API

• It can be challenging to integrate with other software platforms.
• The fees can be high for some transactions.
• Customer support can be lacking at times.
• There have been some security issues in the past.
• It can be difficult to cancel your account.
• There have been some reports of money being stolen from accounts.
• The interface can be confusing for some users.

Square API

The Square API is one of the most popular payment APIs out there. It allows you to process credit and debit card payments, as well as track inventory and manage customers. Plus, it’s easy to set up. By using open source code on GitHub, integration into your app or website is a breeze.

Pros of Square API

• The Square API is one of the most popular payment APIs out there.
• It is straightforward to use and integrate into your website or app.
• You can use it to accept credit card payments and other types of payments like Apple Pay and Android Pay.
• Square also offers a very generous developer program, which gives you free access to their API for up to $1000 per month in transactions.

Cons of Square API

• It charges a higher per-transaction fee than some other options.
• It has been known to be unreliable at times, with transactions taking longer to process or not going through at all.
• Its customer service can be difficult to reach.
• It’s not available in all countries.

Adyen API

The Adyen API makes payments easier by allowing you to integrate directly into their platform. This gives you access to all the features and functionality of Adyen, making it simpler and faster to get paid. Plus, their API is constantly being updated with the latest in payment technology, so you can be sure you’re always using the best possible solution.

Pros of Adyen API

• Adyen is a payment platform that provides a single, integrated solution for accepting online, in-app, and in-store payments.
• Adyen supports over 250 payment methods, making it easy to find the right option for your customers.
• Adyen offers fast and reliable payouts, with funds typically deposited into your account within two days.
• The Adyen API is easy to integrate, and there are no setup or monthly fees.

Cons of Adyen API

• The documentation can be a bit confusing and difficult to navigate.
• The fees can be pretty high, especially for international transactions.
• Customer support is not always responsive or helpful.
• It’s not available in all countries.

Paytm

Today Paytm is used by millions of people across India to make fast, secure, and convenient payments. The company has also recently expanded into other areas, such as transportation and healthcare. One thing that makes Paytm so popular is its ease of use. Payments can be made in just a few seconds with a simple click or scan from a mobile phone. It’s an ideal solution for those who have an online business and need to process transactions quickly.

Pros of Paytm

• Paytm is one of the most popular payment gateways in India, with a customer base of over 300 million.
• Paytm offers a wide range of features and services, such as mobile recharge, utility bill payments, DTH recharge, bus ticket booking, movie tickets, and more.
• Paytm is easy to use and provides a fast, convenient, and safe way to make payments.
• Paytm offers attractive cashback and discounts on various products and services.

Cons of Paytm

• Their customer service is not always the best, and they can be very slow to respond to issues.
• They have been known to suspend accounts without notice or explanation.
• The fees for using Paytm can be high, especially for international transactions.

Noodlio API

The Noodlio API is one of the best payment APIs out there. It’s easy to use, reliable, and has a great reputation. Plus, it’s free to use for up to 500 requests per month. Just make sure you have enough money in your account before you start using it! With Noodlio API, payments are completed as soon as they’re initiated — no more waiting around for days or weeks for someone to transfer their funds into your account.

Pros of Noodlio API

• Noodlio API is simple to use and has great documentation.
• There are plenty of tutorials on how to use Noodlio API.
• The support team is very responsive and helpful.
• Noodlio API integrates with many popular eCommerce platforms, such as Shopify, WooCommerce, and Magento.
• It supports multiple currencies, which is great for businesses that operate in multiple countries.
• It offers various payment methods, including credit cards, debit cards, bank transfers, and more.
• It has a low transaction fee of only 0.5%.

Cons of Noodlio API

• You need a Noodlio account to use the API.
• The API is not as intuitive as other options on this list.
• There are only four methods available with the API.
• Documentation could be more extensive.
• The API is not available in all countries.

RazorPay

India-based startup Razorpay offers a wide range of payment solutions. For businesses, Razorpay offers a way to accept and disburse payments easily. For developers, they offer APIs and SDKs to help them integrate payment solutions into their applications. And for everyone else, they offer a secure, easy-to-use way to make online payments.

Pros of RazorPay

• It’s easy to get started with RazorPay because there is no approval process.
• The documentation is very well written and easy to follow, which makes it simple to integrate RazorPay into your website or app.
• RazorPay offers a wide range of features, including recurring payments, escrow, and fraud prevention.
• The company serves customers worldwide.

Cons of RazorPay

• The documentation can be confusing and difficult to follow.
• Another downside is that RazorPay doesn’t seem to be as widely accepted as some of the other options on this list.
• Another common complaint is that fees can be high, especially for international transactions.

CCAvenue API

CCAvenue is another popular payment gateway in India that enables businesses to accept online payments. The CCAvenue API makes it easy to integrate CCAvenue into your website or app. Plus, CCAvenue offers a wide range of features, including support for multiple currencies, multiple payment methods, and fraud protection. If you’re looking for an Indian-based payment option, the CCAvenue API is a good one to consider.

Pros of CCAvenue API

• API is well-documented and easy to use.
• Their customer support is excellent, so you can be sure you’ll get help if you need it.
• It has a robust set of developer tools.
• CCAvenue API supports multiple currencies.

Cons of CCAvenue API

• The documentation can be confusing and difficult to understand.
• CCAvenue charges a higher transaction fee than some of its competitors.
• Customer support isn’t always responsive or helpful.
• CCAvenue doesn’t have as many features as some of its competitors.

Paybook

Whether you’re a small business or a large enterprise, there’s a payment API out there that can save you time and money. Paybook is one of the most popular payment APIs, and for a good reason. It offers a simple, straightforward way to accept payments online. Plus, it’s highly secure and easy to use. All you need to do is create an account, install a small script on your website, and customize your account settings. You’ll be up and running in no time!

Pros of Paybook

• Paybook API allows you to manage your finances and keep track of your spending.
• It allows you to connect your bank account, credit cards, and investment accounts in one place.
• You can use Paybook to budget your money and see where you are spending the most.
• It also allows you to set up automatic payments and transfers between accounts.
• Paybook is a secure API that uses encryption to protect your information.

Cons of Paybook

• There’s a learning curve associated with Paybook. While the documentation is good, it can still be a lot to take in for someone new to the platform.
• Paybook isn’t the most user-friendly platform out there. The interface can be confusing and overwhelming, especially for first-time users.
• Paybook doesn’t offer customer support, so you’re on your own if you run into any problems.

KeyPay

One of the most popular payment processing companies, KeyPay has a well-earned reputation for being easy to use and reliable. Their API is no different, offering a simple way to process payments and track your transactions. Best of all, their pricing is very competitive, making them a great option for small businesses. If you’re looking for one more thing that makes this company stand out, it’s their customer service. They’re always willing to help you if you need assistance with any aspect of your business.

Pros of KeyPay

• KeyPay is a cloud-based solution, so you can access your account from anywhere, at any time.
• The software is very user-friendly and even has a mobile app, so you can manage your finances on the go.
• KeyPay integrates with a number of popular accounting software programs, making it easy to keep track of your finances.
• The company offers excellent customer support and has a very comprehensive knowledge base.

Cons of KeyPay

• The API documentation is not very user-friendly.
• There is no sandbox environment for testing purposes.
• KeyPay does not offer any payment gateway, so you’ll need to integrate with a third-party provider if you want to accept credit card payments.
• There is a monthly fee for using the service, which may be prohibitive for some businesses.

BIPS Invoice

The BIPS Invoice API is another payment API option. It allows you to create invoices and manage them easily. Plus, it integrates with your accounting software so you can keep track of payments and invoices in one place. Finally, it’s an open-source platform that will run on any device. If you want to accept payments from other businesses quickly and efficiently, then this is a great option.

Pros of BIPS Invoice

• With BIPS Invoice, you can easily create and send invoices straight from your computer.
• BIPS offers a wide range of features to help you manage your invoices, including automated payments, reminders, and late fees.
• If you ever have any questions, their customer support team is always happy to help.

Cons of BIPS Invoice

• Not available in all countries.
• Limited payment methods.
• Requires a merchant account.
• Costs money to use.
• Not as widely accepted as other payment methods.

Payment APIs: Wrapping Up

There you have it — many solid options to integrate payments into your app or web service. Use one of these options to quickly enable your customers to pay with a debit or credit card online. Or, by using a combination of these APIs, you could potentially help diversify your payment options at checkout, which can increase sales.

We know there are many other payment APIs out there, and some cater to regional markets. What payment service(s) do you recommend developing with? Let us know in the comments below!