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"A Developer’s Guide to the Best Payment Processors for Modern Web Apps"
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In 2025, the online payments space is more competitive, powerful, and developer-friendly than ever. As a Next.js developer or startup founder, choosing the right payment gateway can directly influence your conversion rate, scalability, and global reach.
Whether you're building a SaaS platform, an eCommerce store, or a digital download site, seamless payment processing is a non-negotiable element of the user experience. But with dozens of gateways to choose from, how do you know which one fits your project best?
In this detailed guide, we’ll explore the top 10 payment gateways for Next.js applications, compare features, and share practical integration tips to help you make the smartest choice.
Stripe continues to dominate as the most developer-friendly and robust payment platform. Its detailed documentation, wide payment method support, and extensive library ecosystem make it ideal for startups and enterprises alike.
Why Developers Love Stripe:
Full support for subscriptions, one-time payments, and digital wallets
Smooth integration with @stripe/react-stripe-js
Webhooks for real-time payment events
Clean, embeddable checkout flows with Stripe Checkout or custom UI using Stripe Elements
Use Case Example:
If you're launching a SaaS app with monthly billing, Stripe handles the heavy lifting with its built-in subscription tools.
CTA:
Looking to build a recurring revenue stream? Explore Stripe’s Subscription APIs
PayPal is the old guard of online payments. While not as customizable as Stripe, its recognition and trust factor boost conversions significantly.
Integration Perks:
Easy setup with @paypal/react-paypal-js
Backend integration using @paypal/checkout-server-sdk
No need to handle card data directly
Ideal For:
Sites with global users who want to pay with their PayPal wallet.
Pro Tip:
Use PayPal’s smart buttons to show dynamic pricing or shipping info in the checkout.
If you're selling software or digital goods, Paddle is a game-changer. It handles global taxes (like EU VAT and US sales tax), making compliance a breeze.
What Sets It Apart:
Managed checkout with tax and compliance baked in
Integrated licensing and subscription management
Hosted checkout that's easy to embed with next/script
Use Case:
Selling a Next. JS-based design tool as a one-time or subscription product.
CTA:
Want to focus on building rather than compliance? Try Paddle for SaaS
Razorpay is India’s go-to payment solution with modern APIs and local support for UPI, net banking, and wallets.
Why It Works:
Quick setup with Razorpay JS SDK
Supports subscriptions, payment links, invoices
Powerful dashboard and webhook support
Integration Sample:
Create an API route in /api/create-order and call Razorpay’s backend SDK to generate an order.
Tip:
Display UPI as the default method for Indian users for better conversion.
Wise (formerly TransferWise) isn't a classic payment gateway but a fantastic solution for receiving global payments cheaply.
What It Offers:
Local bank accounts in multiple currencies
Low forex fees with transparent rates
API access for automating transfers
Use Case:
If you're a freelancer marketplace or receiving client payments in USD/EUR but operating in India, Wise helps you save massively on fees.
CTA:
Tired of PayPal fees? Switch to Wise for international payments
🛠️ Best for: Enterprises and legacy systems needing robust, proven infrastructure
✅ Key Features:
Advanced fraud detection tools (AFDS)
Automated Recurring Billing (ARB)
Customer information manager for secure profile storage
E-check processing and ACH support
📦 Integration Options:
JavaScript SDK
REST APIs
Also supports mobile SDKs and SDKs for major platforms (like .NET, PHP, Java)
🌍 Availability:
United States
United Kingdom
Canada
Australia
💡 Why Choose Authorize.Net?
Trusted by enterprises for over two decades, Authorize.Net is a Visa-backed gateway ideal for businesses with complex needs or legacy systems. It's particularly strong in fraud prevention and recurring payments, making it a favorite for B2B services and large-scale platforms.
Payoneer is ideal for mass payouts and receiving client payments internationally.
Benefits:
Multi-currency receiving accounts
API access for automating payments to vendors or freelancers
Widely accepted by marketplaces and platforms
Use Case:
Running a platform that pays out to content creators or sellers globally.
Square is more than just a point-of-sale system. It also supports full web-based payments.
Great Features:
Web Payments SDK with support for Apple Pay, Google Pay
Inventory and customer profile management
Trusted brand with physical retail reach
Use Case:
If you run both an online and offline store, Square keeps everything in sync.
Selling in Poland? P24 is a must.
Why It Works:
Supports bank transfers and cards
Easy API and hosted checkout
Preferred by Polish users
Pro Tip:
Offer local payment options to improve trust and reduce abandoned checkouts.
Eartho is a new player offering both authentication and payment in one SDK. Perfect for MVP builders.
Why Try Eartho:
User login and billing in one package
Supports major payment methods
Customizable UI components
Best Use:
Quickly launching a side project or course platform.
There’s no one-size-fits-all. Your ideal payment gateway depends on:
Where your customers are located
What kind of product you're selling (SaaS, digital, physical)
How much control do you want over the checkout experience
Your development resources and roadmap
Here’s a quick breakdown:
| Gateway | Best For |
| Stripe | SaaS, subscriptions, global |
| PayPal | Broad user trust |
| Paddle | Compliance-heavy SaaS |
| Razorpay | Indian eCommerce |
| Wise | International freelancers |
| Lemon Squeezy | Digital downloads |
| Payoneer | Global payouts |
| Square | Online + offline retail |
| P24 | Poland eCommerce |
| Eartho | MVPs with auth & payments |
Choosing the right gateway isn’t just about integrations—it’s about understanding your audience and making payments feel effortless.
Need help integrating one of these in Next.js or NestJS? Drop a comment below or reach out here. Let’s make your checkout experience smoother than ever.
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