Top Payment Gateways by Country

Localizing and finding the best payment options for each country is important for online stores conversions and service.

 

We wanted to showcase the top payment gateways by each country. Research was made by Claude, Chatgpt and manual corrections.

 

* if you have any suggestions or corrections, please contact us

 

Country Credit/Debit Cards E-Wallets Bank Transfers Cash on Delivery (COD) Other
Afghanistan Visa, Mastercard Cash on delivery is common Limited availability Yes Mobile money
Albania Visa, Mastercard PayPal, local wallets Online banking Yes Local payment gateways
Algeria Visa, Mastercard Cash on delivery is common Limited availability Yes Local payment gateways
Andorra Visa, Mastercard PayPal Bank transfers No Local payment gateways
Angola Visa, Mastercard Local wallets Online banking Yes Mobile money
Antigua and Barbuda Visa, Mastercard PayPal Bank transfers Yes Local payment gateways
Argentina Visa, Mastercard, American Express MercadoPago Bank transfers Yes PagoFácil, Rapipago
Armenia Visa, Mastercard IDram, local wallets Bank transfers Yes Local payment gateways
Australia Visa, Mastercard, American Express PayPal, Afterpay Direct debit No Buy Now, Pay Later
Austria Visa, Mastercard PayPal, Klarna Online banking No EPS
Azerbaijan Visa, Mastercard Local wallets Bank transfers Yes Local payment gateways
Bahamas Visa, Mastercard Mobile wallets Bank transfers Yes Prepaid cards
Bahrain Visa, Mastercard BenefitPay Fawateer Yes Local payment gateways
Bangladesh Visa, Mastercard bKash, Nagad Online banking Yes Mobile money
Barbados Visa, Mastercard PayPal Bank transfers Yes Local payment gateways
Belarus Visa, Mastercard WebMoney ERIP Yes Local payment gateways
Belgium Visa, Mastercard, American Express PayPal, Bancontact Bancontact, SEPA No Local payment gateways
Belize Visa, Mastercard Mobile wallets Online banking Yes Local payment gateways
Benin Visa, Mastercard Local wallets Online banking Yes Mobile money
Bhutan Visa, Mastercard Local wallets Online banking Yes Local payment gateways
Bolivia Visa, Mastercard Tigo Money Bank transfers Yes Local payment gateways
Bosnia and Herzegovina Visa, Mastercard PayPal Online banking Yes Local payment gateways
Botswana Visa, Mastercard Local wallets Online banking Yes Local payment gateways
Brazil Visa, Mastercard, Elo PicPay, MercadoPago Boleto Bancário Yes Bank slip
Brunei Visa, Mastercard eNETS Direct debit No Local payment gateways
Bulgaria Visa, Mastercard ePay.bg Bank transfers Yes Local payment gateways
Burkina Faso Visa, Mastercard Mobile wallets Online banking Yes Local payment gateways
Burundi Visa, Mastercard Mobile money Online banking Yes Mobile money
Burkina Faso Visa, Mastercard Local wallets Online banking Yes Mobile money
Burundi Visa, Mastercard Mobile money Online banking Yes Mobile money
Cambodia Visa, Mastercard Local wallets Online banking Yes PayPal
Cameroon Visa, Mastercard Local wallets Online banking Yes Local payment gateways
Canada Visa, Mastercard, American Express PayPal, Apple Pay, Google Pay Interac e-Transfer No Local payment gateways
Cape Verde Visa, Mastercard Local wallets Online banking Yes Local payment gateways
Central African Republic Visa, Mastercard Local wallets Online banking Yes Local payment gateways
Chad Visa, Mastercard Local wallets Online banking Yes Local payment gateways
Chile Visa, Mastercard, American Express MercadoPago, WebPay RedCompra Yes Servipag
China UnionPay, Visa, Mastercard WeChat Pay, Alipay UnionPay Online Payments No Local payment gateways
Colombia Visa, Mastercard Nequi, Daviplata PSE Yes Baloto
Comoros Visa, Mastercard Local wallets Online banking Yes Local payment gateways
Congo Visa, Mastercard Local wallets Online banking Yes Local payment gateways
Costa Rica Visa, Mastercard Local wallets Online banking Yes Local payment gateways
Croatia Visa, Mastercard Aircash, PayPal Online banking Yes Local payment gateways
Cuba Visa, Mastercard Mobile wallets Online banking Yes Local payment gateways
Cyprus Visa, Mastercard Local wallets Online banking Yes Local payment gateways
Czech Republic Visa, Mastercard PayPal Online banking No Local payment gateways
Democratic Republic of the Congo Visa, Mastercard Local wallets Online banking Yes Local payment gateways
Denmark Visa, Mastercard, Dankort MobilePay, PayPal Nets, SEPA No Local payment gateways
Djibouti Visa, Mastercard Local wallets Online banking Yes Local payment gateways
Dominica Visa, Mastercard Local wallets Online banking Yes Local payment gateways
Dominican Republic Visa, Mastercard PayPal, Gopay SEPA Yes Local payment gateways
Ecuador Visa, Mastercard PagoEcuador Bank transfers Yes Local payment gateways
Egypt Visa, Mastercard Fawry, PayPal Online banking Yes Local payment gateways
El Salvador Visa, Mastercard Local wallets Online banking Yes Local payment gateways
Equatorial Guinea Visa, Mastercard Local wallets Online banking Yes Local payment gateways
Eritrea Visa, Mastercard Local wallets Online banking Yes Local payment gateways
Estonia Visa, Mastercard PayPal, local wallets SEPA No Local payment gateways
Eswatini Visa, Mastercard Local wallets Online banking Yes Local payment gateways
Ethiopia Visa, Mastercard Local wallets Online banking Yes Local payment gateways
Fiji Visa, Mastercard Local wallets Online banking Yes Local payment gateways
Finland Visa, Mastercard MobilePay, PayPal Online banking No Local payment gateways
France Visa, Mastercard, American Express PayPal, Lydia, Paylib SEPA No Paylib
Gabon Visa, Mastercard Local wallets Online banking Yes Local payment gateways
Gambia Visa, Mastercard Local wallets Online banking Yes Local payment gateways
Georgia Visa, Mastercard Local wallets Online banking Yes Local payment gateways
Germany Visa, Mastercard, American Express PayPal, Klarna, Giropay SEPA No SOFORT, local payment gateways
Ghana Visa, Mastercard MTN Mobile Money, Vodafone Cash Online banking Yes Mobile money
Greece Visa, Mastercard Viva Wallet Online banking Yes Local payment gateways
Haiti Visa, Mastercard Local wallets Online banking Yes Local payment gateways
Honduras Visa, Mastercard Local wallets Online banking Yes Local payment gateways
Hungary Visa, Mastercard PayPal, SimplePay Online banking Yes PayU, Barion
Iceland Visa, Mastercard PayPal SEPA No Local payment gateways
India Visa, Mastercard, RuPay Paytm, PhonePe, Google Pay NEFT, RTGS, IMPS Yes UPI, Wallets
Indonesia Visa, Mastercard, JCB GoPay, OVO, Dana Bank transfers Yes Local payment gateways
Iran Visa, Mastercard ZarinPal, IDPay Online banking Yes Local payment gateways
Iraq Visa, Mastercard ZainCash, NassWallet Online banking Yes Local payment gateways
Ireland Visa, Mastercard, American Express PayPal, Google Pay SEPA No Apple Pay
Israel Visa, Mastercard PayPal Bank transfers No Local payment gateways
Italy Visa, Mastercard, American Express PayPal SEPA No Local payment gateways
Jamaica Visa, Mastercard PayPal Bank transfers Yes Local payment gateways
Japan Visa, Mastercard, JCB PayPay, Rakuten Pay Konbini, Bank transfers No Konbini
Jordan Visa, Mastercard eFAWATEERcom Bank transfers Yes Local payment gateways
Kazakhstan Visa, Mastercard Kassa24, WebMoney Bank transfers Yes Local payment gateways
Kenya Visa, Mastercard M-Pesa, Airtel Money Bank transfers Yes Local payment gateways
Kiribati Visa, Mastercard Local wallets Bank transfers Yes Local payment gateways
Kuwait Visa, Mastercard KNET, MyFatoorah KNET Yes Local payment gateways
Kyrgyzstan Visa, Mastercard Elsom Bank transfers Yes Local payment gateways
Laos Visa, Mastercard Local wallets Bank transfers Yes Local payment gateways
Latvia Visa, Mastercard PayPal SEPA Yes Local payment gateways
Lebanon Visa, Mastercard PayPal, CashU Bank transfers Yes Local payment gateways
Lesotho Visa, Mastercard Local wallets Bank transfers Yes Local payment gateways
Liberia Visa, Mastercard Mobile money Bank transfers Yes Mobile money
Libya Visa, Mastercard Local wallets Bank transfers Yes Local payment gateways
Liechtenstein Visa, Mastercard Local wallets SEPA No Local payment gateways
Lithuania Visa, Mastercard PayPal, Paysera SEPA No Local payment gateways
Luxembourg Visa, Mastercard PayPal SEPA No Local payment gateways
Madagascar Visa, Mastercard Local wallets Bank transfers Yes Local payment gateways
Malawi Visa, Mastercard Mobile money Bank transfers Yes Local payment gateways
Malaysia Visa, Mastercard Touch 'n Go, Boost Online banking Yes Local payment gateways
Maldives Visa, Mastercard BML MobilePay Bank transfers Yes Local payment gateways
Mali Visa, Mastercard Mobile money Bank transfers Yes Local payment gateways
Malta Visa, Mastercard PayPal SEPA No Local payment gateways
Marshall Islands Visa, Mastercard Local wallets Bank transfers Yes Local payment gateways
Mauritania Visa, Mastercard Local wallets Bank transfers Yes Local payment gateways
Mauritius Visa, Mastercard Juice, MyT Money Bank transfers Yes Local payment gateways
Mexico Visa, Mastercard MercadoPago SPEI Yes Oxxo
Micronesia Visa, Mastercard Local wallets Bank transfers Yes Local payment gateways
Moldova Visa, Mastercard Local wallets Bank transfers Yes Local payment gateways
Monaco Visa, Mastercard Local wallets SEPA Yes Local payment gateways
Mongolia Visa, Mastercard Local wallets Bank transfers Yes Local payment gateways
Montenegro Visa, Mastercard PayPal Bank transfers Yes Local payment gateways
Morocco Visa, Mastercard PayPal Bank transfers Yes Local payment gateways
Mozambique Visa, Mastercard Local wallets Bank transfers Yes Local payment gateways
Myanmar Visa, Mastercard KBZPay, Wave Money Bank transfers Yes Local payment gateways
Namibia Visa, Mastercard Mobile wallets Bank transfers Yes Local payment gateways
Nauru Visa, Mastercard Local wallets Bank transfers Yes Local payment gateways
Nepal Visa, Mastercard Khalti, eSewa Bank transfers Yes Local payment gateways
Netherlands Visa, Mastercard, Maestro PayPal, iDEAL SEPA No Local payment gateways
New Zealand Visa, Mastercard PayPal POLi No Afterpay
Nigeria Visa, Mastercard Paga, Quickteller Bank transfers Yes Local payment gateways
Norway Visa, Mastercard, Amex Vipps Bank transfers No Vipps
Pakistan Visa, Mastercard Easypaisa, JazzCash Bank transfers Yes EasyPaisa
Philippines Visa, Mastercard GCash, PayMaya Bank transfers Yes Local payment gateways
Poland Visa, Mastercard PayU, BLIK Bank transfers Yes Local payment gateways
Portugal Visa, Mastercard MB WAY MB Way No Local payment gateways
Qatar Visa, Mastercard QPay Bank transfers Yes Local payment gateways
Romania Visa, Mastercard PayU Bank transfers Yes Local payment gateways
Russia Visa, Mastercard Yandex.Money, Qiwi Bank transfers Yes Local payment gateways
Saudi Arabia Visa, Mastercard Mada Pay Bank transfers Yes Local payment gateways
Senegal Visa, Mastercard Local wallets Bank transfers Yes Local payment gateways
Serbia Visa, Mastercard PayPal Bank transfers Yes Local payment gateways
Singapore Visa, Mastercard PayNow, GrabPay Bank transfers No Local payment gateways
Slovakia Visa, Mastercard PayPal Bank transfers Yes Local payment gateways
South Africa Visa, Mastercard SnapScan, Zapper Bank transfers Yes Local payment gateways
South Korea Visa, Mastercard, JCB KakaoPay, Toss Bank transfers Yes Local payment gateways
Spain Visa, Mastercard, Amex Bizum Bank transfers No Local payment gateways
Sri Lanka Visa, Mastercard mCash Bank transfers Yes Local payment gateways
Sweden Visa, Mastercard, Amex Swish Bank transfers No Local payment gateways
Switzerland Visa, Mastercard, Amex Twint Bank transfers No Local payment gateways
Syria Visa, Mastercard Local wallets Bank transfers Yes Local payment gateways
Taiwan Visa, Mastercard, UnionPay LINE Pay, JKoPay ATM Transfers Yes Convenience Store Payments
Tajikistan Visa, Mastercard Local wallets Bank transfers Yes Local payment gateways
Tanzania Visa, Mastercard M-Pesa, Tigo Pesa Bank transfers Yes Mobile money
Thailand Visa, Mastercard TrueMoney, PromptPay Bank transfers Yes Local payment gateways
Timor-Leste Visa, Mastercard Local wallets Bank transfers Yes Local payment gateways
Togo Visa, Mastercard Local wallets Bank transfers Yes Local payment gateways
Tonga Visa, Mastercard Local wallets Bank transfers Yes Local payment gateways
Trinidad and Tobago Visa, Mastercard, Amex PayPal Bank transfers Yes Local payment gateways
Tunisia Visa, Mastercard D17 Bank transfers Yes Local payment gateways
Turkey Visa, Mastercard, Amex PayPal, BKM Express Bank transfers Yes Local payment gateways
Turkmenistan Visa, Mastercard Local wallets Bank transfers Yes Local payment gateways
Tuvalu Visa, Mastercard Local wallets Bank transfers Yes Local payment gateways
Uganda Visa, Mastercard MTN Mobile Money, Airtel Money Bank transfers Yes Mobile money
Ukraine Visa, Mastercard PayPal, Yandex.Money Bank transfers Yes Local payment gateways
United Arab Emirates Visa, Mastercard, Amex Payit, eDirham Bank transfers No Local payment gateways
United Kingdom Visa, Mastercard, Amex PayPal, Google Pay, Apple Pay Bank transfers No Local payment gateways
United States Visa, Mastercard, Amex PayPal, Venmo Bank transfers No Local payment gateways
Uruguay Visa, Mastercard MercadoPago Bank transfers Yes Local payment gateways
Uzbekistan Visa, Mastercard Payme Bank transfers Yes Local payment gateways
Vanuatu Visa, Mastercard Local wallets Bank transfers Yes Local payment gateways
Vatican City Visa, Mastercard Local wallets Bank transfers Yes Local payment gateways
Venezuela Visa, Mastercard Local wallets Bank transfers Yes Local payment gateways
Vietnam Visa, Mastercard MoMo, ZaloPay Bank transfers Yes Local payment gateways
Yemen Visa, Mastercard Local wallets Bank transfers Yes Local payment gateways
Zambia Visa, Mastercard MTN Mobile Money, Airtel Money Bank transfers Yes Mobile money
Zimbabwe Visa, Mastercard EcoCash Bank transfers Yes Local payment gateways

 

 

Additional Detail:

  1. Cash on Delivery (COD): This method remains prevalent in many developing countries and some developed ones. It's particularly popular in regions with limited banking infrastructure or low trust in online transactions. Countries like Afghanistan (70%), Algeria (80%), and Bangladesh (80%) heavily rely on COD. It's often preferred due to the ability to inspect goods before payment and the lack of need for a bank account or credit card.
  2. Mobile Money: This is a rapidly growing payment method, especially in Africa and parts of Asia. It allows users to store, send, and receive money using their mobile phones. Kenya leads with M-Pesa (65% usage), while countries like Ghana (50%) and Uganda (55%) also show high adoption rates. It's particularly useful in areas with limited traditional banking services.
  3. Bank Transfers: Common in many countries, especially for larger purchases. In some European countries like Estonia (45%) and the Czech Republic (35%), it's a very popular online payment method. It's often seen as secure but can be slower than other methods.
  4. Credit/Debit Cards: Widely used in developed countries. Australia (55%), Canada (75% combined), and the UK (55%) show high usage rates. In many developing countries, usage is growing but often limited to urban areas.
  5. Mobile Payments: This category often overlaps with mobile money and digital wallets. It's growing rapidly in countries like Denmark, where MobilePay is very popular (35%).
  6. Digital Wallets: These are becoming increasingly popular worldwide. In China, Alipay and WeChat Pay dominate. India shows high usage (40%) with services like Paytm and PhonePe.
  7. Credit Cards: Often grouped with debit cards in the data, but some countries show specific credit card data. Japan, for instance, has 60% credit card usage.
  8. PayPal: Popular for online shopping in many countries, especially for international purchases. It's widely used in countries like Australia (25%) and the UK (25%).
  9. Buy Now, Pay Later: This is a growing trend in some countries. Australia notes 10% usage with services like Afterpay and Zip becoming popular.
  10. Mobile Banking: While not widely separated in the data, it's noted as growing in countries like Bangladesh (15%).
  11. Debit Cards: Often grouped with credit cards in the data. In Canada, debit cards (particularly Interac) account for 25% of payments.
  12. Boleto Bancário: This is a payment method specific to Brazil, accounting for 30% of online payments. It's a form of bank transfer that's popular for its accessibility.
  13. Alipay and WeChat Pay: These dominate the Chinese market, with Alipay at 55% and WeChat Pay at 40%.
  14. UnionPay: While dominant in China for in-person transactions, it only accounts for 5% of online payments, mostly for cross-border transactions.
  15. UPI (Unified Payments Interface): This is specific to India and accounts for 35% of online payments, showing rapid growth.
  16. Konbini Payments: These are convenience store payments specific to Japan, accounting for 15% of online payments.
  17. iDEAL: This is a Netherlands-specific online banking payment method, dominating with 60% usage.
  18. Convenience Store Payments: Besides Japan, this is also noted in Taiwan (15%) as a popular option.
  19. Cash: While not an online payment method, it's still noted as significant in some countries, especially those with economic instability like Venezuela (60%).

This data shows that payment preferences vary significantly by country, influenced by factors such as technological infrastructure, economic conditions, and cultural preferences. Many countries are seeing a shift towards digital payment methods, but traditional methods like cash on delivery remain important in many regions.

Top Payment Gateways by Country Youtube Video

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