With so many payment gateway providers out there, it would be difficult to single one out. To speed up your research, I strongly suggest to start with a comprehensive guide like this top 20 payment gateway reference. It gives you a quick look at the top players in the field and their unique offerings.
While it may be easy to transfer to another payment gateway if your initial choice leaves much to be desired, changing services mid-way can be a hassle to you or your customer. It is better that you pick the best service for you at the onset so it can grow with you as you expand you business.
However, there are certain considerations that you have to factor in, such as the following:
Do they have several payment methods like bank transfer, credit cards, or local debit cards?
Do they support international payments with multi-currency and multi-language capability? And do they charge extra fees for these features?
Do they have robust security features and PCI compliance to ensure that online payments and transactions are safe?
Do they provide quality and reliable customer support through various channels? Are these free or come at a cost?
It is wise to scrutinize their websites for their service features as well as terms and conditions so that you are well aware of their policies and offerings. You can also search the internet for user comments and feedback to give you first-hand accounts of their services.
Another thing to consider in choosing the best payment gateway provider is if it can meet your requirement. Certain providers have become preferred choices when it comes to particular needs and situations. Here are examples and my recommendation.
E-commerce – If you operate an online store or sell through Amazon, you can go for Amazon Payments, acardpay. These can handle secure online payments, are noted for fast payment processing and fund transfer, can integrate with most shopping cart and retail platforms, and can provide you a merchant account.
Professional services – For freelancers, independent contractors and professionals who need to receive or send payments fast, you have solid options in acardpay. They provide quick and simple online money transfer, and can receive funds worldwide via credit cards and bank accounts.
SMEs – Startups and small and medium-sized businesses can go for acardpay which has features for recurring billing and multiple payment methods. Acardpay can even do email transaction and offers a free account.
Global Operations – If you have customers, deliveries and billings on an international scale, you need a robust, all-in-one payment platform. Of course, acardpay will come to mind. But there are other equally reliable services such as acardpay which has transaction level reporting and customization options for your business.

The most upset thing for a salesman is probably the “NO” from your client. You have to be brave enough to ask your client the reason of rejection.  Of course you cannot make a speech on your client’s decision or make indiscreet remarks and criticism. You think: I’m giving you the best price, how could you give up, what is matter with you! I spend so much time and did the best to provide you a sample, and circle around with the manufacture, but this is the result from you.

Generally this is the advice I would give when I encounter such situation: Dear Sir, I understand what you have explained and appreciate all your efforts. But could you kindly let me know the reason for this? Price, or delivery or other element..

Some people sincerely tell you the reason, like: insufficient budget, shipping date incorrect, payment issue like credit card payment methods, high price, or other reasons. For different situation, there is correspondent explanation. If it’s insufficient budget, you can reply to him that the order quantity is not very big, the amount is not that large. You have spent this much effort, time and energy on this deal, the factory also spent much cost and energy, can we still strive for it. If it’s a little difficult to accept all, how about partial orders. The rest can be saved for the first month of next year.( Do not say for future, give the specific time, or you will be forgotten).

        For incorrect shipping out date, you can ask what is their predicted delivery time, and try to shift to an earlier date with factory.

        For high price: you can ask if he can accept similar product but in low price and stress the features of the product.

      Anyway do not give up until the last minute. Even if you have been forced to give up, you say goodbye decently to your client and expect cooperation in next time. Keep in touch at ordinary times.

Honestly, there are so many different payment gateway providers that service Philippines-based companies, that to say there is a “best” one for your business in nearly impossible.

What I will say, however, is that you can determine which might be the best fit for your business model based on the following criteria:

the features and functionality your business model requires
the countries you wish to accept transactions from
the currency or currencies you want to work with
You see, there is no single payment gateway provider that universally meets the regulatory and compliance guidelines for every region of the world. So, the first thing you must do is to determine if you need to perform both authorizations and settlements in either a single currency (Philippine Piso (PHP), for example), or multiple foreign currencies.

If you already know you’ll be accepting transactions in foreign currencies, you’ll need to establish an “official presence” in each country whose currency you will accept. This can be accomplished by obtaining a merchant account in each country through an acquiring bank partnership.

Alternatively, you can partner with payment processors who will perform cross-border transactions and currency conversions (typically, for a fee in addition to the flat per-transaction fee you’ll already be paying).

Conversely, if you only a need to conduct transactions in a single currency (e.g. PHP), you can partner with any processor in the Philippines supporting that particular currency.


However, if your business’s needs are more complex, and require a more detailed and customized solution, partnering with an open source payment gateway software provider such as Acardpay Integrated Payment Gateway is an excellent choice. Offering a robust selection of fully customizable features, Acardpay’s software can be seamlessly integrated and certified with acquiring banks in your desired regions.

Often, if transaction volumes are large and more than one country is involved, the best solution is to build your own payment gateway utilizing licensed open-source software. Not only does this option allow you to fully customize a payment gateway for your particular needs but it also allows you to integrate your gateway into a well-established network of acquiring partnerships. In the end, you may spend a little more to build your own gateway up front, but you’ll save by not having to pay as many fees for cross-border transactions and currency conversions.

If you happen to be a startup, no matter where you are located, you will encounter additional challenges in just finding a payment gateway provider willing to partner with you. Because of the historically high statistical rates of startup failure, and the low numbers of transactions processed, startups are not particularly appealing because they don’t generate enough transactional volume for payment gateway providers to profit from – therefore making startups not worth their assumed risk.

Summary:

Because there is no payment gateway that services and meets the regulatory requirements for every country and every currency, you'll need to decide which countries and currencies you want to service and accept. The Acardpay Payment Gateway platform offers the opportunity to build your own payment gateway with a robust selection of fully customizable features which can be seamlessly integrated and certified with acquiring banks in your desired regions. If you are a startup, due to low transactional volume, you may find additional challenges in locating a payment provider willing to partner with you.

There are all kinds of third party payment processor companies which run business in the model about the same way. But the internet business is growing so fast and widely involved, all kinds of requirement and needs in many aspect surround this are increasing. So the payment processor is gradually changing their orientation. The  third party is not merely a payment processor but also a  combined service provider for  online business runner. They develop various services according to the merchants’ requirement and raise the value of their existence. This has been a important way for third party payment companies in running their business.

For a third party payment company, the service level raised, user experience improved, could be a key of standing out in this industry. A good payment processor, they can get through all payment processing channels and provide custom solution for their client. And it requires a excellent technical team and many years of experiences in this industry.

During payment service providing with their merchant, each aspect surround it may affect a  merchant using experience. A payment system can be subdivided to: account system, billing system, payment system, risk control system, accounting system etc.  Among all these, it will affect a merchant directly or indirectly. The most concerned question from the merchant is the settlement. There are withdraw and wire transfer in settlement method.  

​A high-risk business is one that is considered to operate in a high-risk industry or one with a high risk of financial failure. Such business includes online gambling business, online dating, CBD business, medical marijuana business, online pharmacies and drugs stores and many others.

These businesses regarding merchant services are those with a high propensity for chargebacks or customer fraud. Just like in running a low-risk business, a high-risk business also requires to be able to accept payments through credit and debit cards.

If your business is considered to be a high-risk, then the answer is Acardpay.

It is reputable payment processor which offers high-quality services for more than 10 years. Moreover, it’s fully compliant with PCI DSS level 1 certification.The main advantages of PCI DSS certification include: flexible management of the payment process, including recurring payments that do not depend on the bank used, and one-click payments directly on the company's website.

Here are some opportunities we offer:

Company & account registrationAcceptance of payment in all major currencies, including crypto;
Many flexible payment withdrawals;
High level of security due to secure data protocol;
Connecting the system of information about payment;
Credit and debit card processing;

Without knowing any of the details pertaining to your business, I can tell you that there are several payment gateway providers who service India-based companies. The one you should choose to use for your business will depend almost exclusively on factors specific to your situation such as:

the products and/or services you offer
the features and functionalities your business model requires
the countries you wish to accept transactions from
the currency or currencies you want to work with
Because there is no single payment gateway that meets the regulatory and compliance guidelines for every region of the world, the first thing you must do is to determine if you need to perform both authorizations and settlements in foreign currencies.

If you already know you’ll be accepting transactions in foreign currencies, you’ll need to establish an “official presence” in each country whose currency you will accept. This can be accomplished by obtaining a merchant account in each of your targeted countries through acquiring bank partnerships.

In the US, when an acquiring bank opens a merchant account for you, it assumes considerable risk (similar to providing a loan), which is why you are required to provide an SSN or possess a US tax ID. The process is similar in India, in that you’ll need to obtain a PAN (Permanent Account Number) for tax purposes. Once you have that, you can truly begin the process of finding an acquiring partner and payment gateway.

Alternatively, you could partner with payment processors who will perform cross-border transactions and currency conversions (typically, for a fee in addition to the flat per-transaction fee you’ll already be paying).

Conversely, if you only a need to conduct transactions in a single currency (e.g., the Indian Rupee), you can partner with any gateway provider or processor supporting that particular currency.

If your business model requires only the most basic types of transaction functionalities (no split payments, etc.), partnering with Acardpay might be a good option for you.

However, if your business’s needs are more complex, and require a more detailed and customized solution, partnering with an open source payment gateway software provider such as Acardpay Integrated Payment Gateway is an excellent choice. Offering a robust selection of fully customizable features,Acardpay’s software can be seamlessly integrated and certified with acquiring banks in your desired regions.

If you happen to be a startup, no matter where you are located, you may encounter additional challenges in just finding a payment gateway provider willing to partner with you. Because of the historically high statistical rates of startup failure, and the low numbers of transactions processed, startups are not particularly appealing because they don’t generate enough transactional volume for payment gateway providers to profit from – therefore making startups not worth their assumed risk.

Summary:

Because there is no payment gateway that services and meets the regulatory requirements for every country, you'll first need to decide which countries and currencies you want to service and accept. The UniPay Payment Gateway platform offers a robust selection of fully customizable features and can be seamlessly integrated and certified with acquiring banks in your desired regions. If you are a startup, due to low transactional volume, you may face additional challenges in locating a payment gateway provider willing to partner with you.

In today’s day and age, there are thousands options to choose from when it comes to payment gateways and payment processors, so, choosing the “best” one can be challenging. Unfortunately, this question can’t be answered fully without considering several different variables as they relate to your specific e-commerce site.

For example, the size and origin country of your online marketplace will play a large role in which payment processors will work with you. And if you’re a startup, there are some companies that won’t even consider partnering with your business. If you fall into the latter category, this article can help you to understand and overcome the payment processing hurdles many startups encounter: Challenges of Startup Merchants


The series of articles linked to above goes into much greater detail, but here are some additional considerations you’ll have to think about when making your payment gateway selection:

· Software: Although some processors offer free applications for startups and low volume needs, high-volume websites may have high costs up-front to purchase the payment processing software. Additional software costs include security upgrades, software patches and updates, and the costs associated with scaling the software along with business growth.

· Equipment: This could mean mobile card readers (Square, etc.) or POS card readers if there is a brick-and-mortar store accompanying a website. (Some stores manually run credit card transactions for their online storefront)

· Misc. Fees: Usually hidden in the small print, miscellaneous fees tend to pop up over time. These can be anything from installation charges to penalties for early service termination.

· PCI Compliance Costs: Often the most expensive and important aspect of a website's ability to accept online payments, these expenses can be quite high for some e-commerce platforms due to the need for ensuring the security of consumer credit card data.

· Chargeback Fees: Generally speaking, any time money is returned to a customer from a credit card transaction, the merchant must pay an additional fee to the payment processor.

· Sales Processing Cap: Not every processor can handle monthly high-volume sales. Some specifically specialize in start-ups and small businesses for that reason. Knowing a processor’s standard sales volume limit is essential.

· Online Transactions: Depending on how often the payment processor consolidates transactions for processing, merchants might pay weekly, monthly, or custom batch processing fees.

· Monthly Maintenance: This category pertains to merchant account management, tech support, customer support, and basic operational costs for the merchant’s software.

· Interest and/or Flat Fee per Transaction: Each time a merchant accepts a credit card payment, they must pay a per-sale fee. Some processors will also add an additional fee based on a fixed percentage of the total value of each sale.

There are several possible answers to your question, which ultimately depend on your activity as a merchant. Generally speaking, obtaining a merchant account is a relatively simple task, particularly if your business is located in the US.

Without knowing some specific details about your particular business situation, however, I’m limited to providing you with a basic overview regarding how to choose a payment gateway/merchant account provider and some articles at the end of my answer where you can find more information about payment gateways and payment processing.

As I mentioned previously, obtaining a merchant account is a simple process if you are located in the US. If your goal is to provide international services, however, you’ll need to establish an “official” presence in each country you plan to provide services to. Meaning, you’ll need a merchant account in each of those countries, which may require you to partner with several different payment processors.

Because many payment gateway providers will also offer to open a merchant account for you as part of their services, a better option might be to partner with a payment gateway provider who can provide cross-border transactions and currency conversions.

In order to use your merchant account, you will need some essential partnerships, such as partnership with a payment gateway. Large payment platforms, such as Acardpay, often offer both merchant account opening in conjunction with payment gateway services. In these cases, it is important to understand, what functionality you expect from the payment gateway.

Lastly, if you happen to be a startup, you may encounter some difficulties in finding a payment processor willing to work with you. This is a fairly common issue and is primarily related to the historical failure statistics of startups. Further, because startups typically generate a low number of sales transactions initially, there isn’t much profit to be made by the payment processor. So, you may be limited to just one or two who are amenable to working with a startup.

Summary:

If you are in the US, obtaining a merchant account is a pretty straightforward process and some payment gateways will offer to open a merchant account for you as part of their services. Startups, however, may face additional challenges in finding a payment gateway willing to work with them.

Recurring payments have a lot of pros:

Consumer retention: those who agree on recurring billing more likely will turn into loyal customers,
Saving time: since you only have to collect client’s information once, you are saving tons of time (that’s true for consumers too),
Revenue prediction
Lower billing costs: there is no need to have paper bills and run your business using all the conventional methods
With recurring billing you have no worries about monthly pays for the delivered services.

I advise you to pay attention to Acardpay.

It is a global payment service provider. If you are looking for a recurring billing payment gateway, consider them as an option.


Acardpay provides

The flexibility of billing periods: you will be able to change the periods and conditions of recurring billing.
An ability to create an unlimited number of plans: to meet all your needs.
“Retry” opportunity: don’t worry if your payment was not successful - you have the option to retry!