# Best payment gateways for ecommerce in 2026, 8 providers compared

> The best payment gateway for ecommerce in 2026. Stripe, PayPal, Adyen and 5 more compared on card fees checked October 30.

By Amber Doyon, web writer at [Hikoo](https://www.tryhikoo.com/en/?utm_source=storeplatforms.com&utm_medium=best-payment-gateways-for-ecommerce). Updated 2026-10-30. Store Platforms, https://storeplatforms.com/en/best-payment-gateways-for-ecommerce

## Key takeaways

- Stripe is the best payment gateway for most online stores in 2026, at 2.9% + 30¢ per US domestic card with no setup or monthly fee.
- At published US rates, card fees on a $100 order run from $3.20 with Stripe or a paid Square plan to $3.98 with PayPal Checkout.
- Shopify stores should start with Shopify Payments, because any other provider triggers a 2% fee on the Basic plan.
- Adyen prices Visa and Mastercard at $0.13 + Interchange+ + 0.60%, a model that suits large merchants with a finance team.
- In Baymard's survey of US shoppers, 19% of those who abandoned checkout for a reason other than browsing did not trust the site with their card details.

The best payment gateway for most ecommerce stores in 2026 is Stripe, at 2.9% + 30¢ per US card with no monthly fee. Add PayPal as a second button, use Shopify Payments on Shopify, Mollie or Payplug for European buyers, and Adyen once your volumes reach enterprise size.

## Key figures 2026

The table below gives the numbers that frame the choice. Stripe, PayPal and Adyen appear in the ranking further down, so their volumes are figures they publish about themselves.

| Indicator | Value | Scope | Period | Source |
|---|---|---|---|---|
| Total volume generated by businesses on Stripe | $1.9 trillion, up 34% on 2024 | Worldwide | 2025 | [Stripe, annual letter release, February 24, 2026](https://stripe.com/newsroom/news/stripe-2025-update) |
| PayPal total payment volume | $487.1 billion, up 6% | Worldwide | Q3 2026 | [PayPal, Q3 2026 earnings release, October 27, 2026](https://www.sec.gov/Archives/edgar/data/0001633917/000163391726000086/pypl3q-26earningsrelease.htm) |
| Adyen processed volume | €451.1 billion, up 30% | Worldwide | Q3 2026 | [Adyen, Q3 2026 Business Update, October 2026](https://investors.adyen.com/financials/q3-2026-10c88s) |
| Share of online payments made by card | 48%, against 29% for e-payment solutions | Euro area consumers, by number of payments | 2024 | [ECB, SPACE study, December 19, 2024](https://www.ecb.europa.eu/stats/ecb_surveys/space/html/ecb.space2024~19d46f0f17.en.html) |
| Shoppers who left checkout because they did not trust the site with their card | 19% | US online shoppers who abandoned, excluding "just browsing" | Latest Baymard survey, list updated September 22, 2025 | [Baymard Institute](https://baymard.com/lists/cart-abandonment-rate) |
| Fraud rate on internet card payments | 0.124%, down from 0.155% in 2024 | Cards issued in France | 2025 | [Banque de France, OSMP report 2025, September 9, 2026](https://www.banque-france.fr/fr/publications-et-statistiques/publications/rapport-de-lobservatoire-de-la-securite-des-moyens-de-paiement-2025) |

## Which payment gateway is best for ecommerce in 2026?

Stripe is the best payment gateway for most online stores, because it publishes its rates country by country, charges no monthly fee and covers cards and local payment methods in one account. Your second choice depends on your platform and on where your buyers live.

| Gateway | Best for | Standard online card rate | Monthly fee |
|---|---|---|---|
| Stripe | Most online stores | 2.9% + 30¢ (US), 1.5% + 20p (UK) | None |
| PayPal | A second button at checkout | 3.49% + $0.49 PayPal Checkout, 2.99% + $0.49 cards (US) | None for Checkout, $25 for the Payflow Pro gateway |
| Shopify Payments | Shopify stores | Set by country, 1.5% + €0.25 on Basic in France | Part of the Shopify plan |
| Mollie | European and UK stores | 1.20% + £0.20 for UK consumer cards | None, pay per transaction |
| Square | Shops selling online and in person | 3.3% + 30¢ on Free, 2.9% + 30¢ on paid plans (US) | None on Free |
| Adyen | Large multi-country brands | $0.13 + Interchange+ + 0.60% | None, but a minimum invoice |
| Payplug | French small businesses | 1.5% + €0.25 on Starter | €10 excl. VAT |
| Authorize.net | US merchants with a merchant account | 2.9% + 30¢ all-in-one, or 10¢ gateway only | $25 |

The rates are the ones each provider showed on its pricing page on October 30, 2026, for a standard consumer card. Stripe, Shopify and Square adjust what they display to the visitor's country.

### 1. Stripe

Stripe is the default pick because it publishes its rates, charges nothing per month and handles cards and local methods from one account. Watch the foreign card surcharge if many of your buyers live abroad.

- Best for: Most online stores, from a first Shopify or WooCommerce shop to a checkout built in-house
- Price: 2.9% + 30¢ per US domestic card, +1.5% for international cards, no monthly fee (UK 1.5% + 20p, France 1.5% + €0.25) (checked on 2026-10-30)
- Strengths: Over 100 payment methods and more than 135 currencies through a single integration, according to Stripe; No setup fee and no monthly fee on standard pricing; Radar fraud screening and 3D Secure included; Interchange-plus and volume discounts on custom pricing
- Limits: Foreign cards cost more, with +1.5% in the US and +1% when a currency conversion is needed; A $15 fee for each dispute received in the US
- URL: https://stripe.com/

### 2. PayPal

Add PayPal as a second button rather than as your only gateway. Buyers with an account pay quickly, but each PayPal Checkout payment costs more than a card payment through Stripe.

- Best for: Stores that want the PayPal button next to card payments, as a second option at checkout
- Price: 3.49% + $0.49 per PayPal Checkout payment in the US, 2.99% + $0.49 for standard card payments (checked on 2026-10-30)
- Strengths: 440 million active accounts at the end of Q3 2026, according to PayPal; Venmo and Pay Later payments listed on the same US fee grid; Card payments processed in the same account as wallet payments
- Limits: The highest standard rate in this comparison for a wallet payment in the US; +1.50% on international commercial transactions in the US, and a $20 chargeback fee on card payments made outside the PayPal wallet and guest checkout
- URL: https://www.paypal.com/

### 3. Shopify Payments

On Shopify it is usually the cheapest setup, since it removes the 2% fee charged on Basic when you bring another provider. Add a PayPal button next to it if your buyers expect one.

- Best for: Stores built on Shopify that want to avoid the fee Shopify adds on outside providers
- Price: Set by store country, 1.5% + €0.25 on Basic for a store in France. Other providers trigger a 2% fee on Basic (checked on 2026-10-30)
- Strengths: No extra platform fee, while outside providers cost 2% on Basic, 1% on Grow, 0.6% on Advanced and 0.2% on Plus; Card rates fall with the plan, down to 1% + €0.25 on Plus in France; Shopify plans from €27 per month on yearly billing in France
- Limits: Works only with a Shopify store; Shopify shows rates according to the visitor's country, so check the page for yours
- URL: https://www.shopify.com/payments

### 4. Mollie

Mollie suits a European store selling mostly to European buyers that wants a price per method it can read at a glance. A US business cannot sign up.

- Best for: European and UK stores that want local payment methods and no monthly fee
- Price: 1.20% + £0.20 per UK consumer card, 2.90% + £0.20 for UK commercial and European cards, no monthly fee on standard online pricing (checked on 2026-10-30)
- Strengths: A lower 1.20% + €0.25 rate for Cartes Bancaires consumer cards in France; Local methods such as Bancontact, iDEAL Wero and SEPA bank transfer; No minimum or monthly fee on standard online pricing, you pay per transaction only
- Limits: Only for businesses based in the EEA, Switzerland or the UK; Cards from outside Europe cost 3.25% plus the fixed fee
- URL: https://www.mollie.com/

### 5. Square

Square is the natural choice when the business started as a shop or a market stall. Brands that only sell online get more payment methods and checkout tools from Stripe or Adyen.

- Best for: Shops that sell in person and online and want one system for both
- Price: 3.3% + 30¢ per online payment on Square Free in the US, 2.9% + 30¢ on paid plans and through the Online API (UK 1.4% + 25p) (checked on 2026-10-30)
- Strengths: Free online store and payment links in the same account as the point of sale; Fee pages published for the US, the UK and France; ACH bank transfers through invoices at 1%, with a $1 minimum
- Limits: The free plan charges 3.3% + 30¢ online in the US; Manual entry and cards on file cost 3.5% + 15¢ in the US
- URL: https://squareup.com/

### 6. Adyen

Adyen fits brands with large volumes and a finance team that wants card costs line by line. A small store would pay a minimum invoice for features it rarely needs.

- Best for: Large merchants selling in many countries, online and in store
- Price: $0.13 processing fee + Interchange+ + 0.60% per Visa or Mastercard payment (checked on 2026-10-30)
- Strengths: Interchange-plus pricing shows the real card cost of each payment; €451.1 billion processed in Q3 2026, up 30% year on year, according to Adyen; No setup, monthly, integration or closure fees
- Limits: A minimum invoice that depends on industry or business model; The total cost is hard to predict until you know your card mix
- URL: https://www.adyen.com/

### 7. Payplug

Payplug makes sense for a French store that wants a local provider and a fixed grid. Against Stripe's 1.5% + €0.25 with no subscription, Pro only becomes cheaper above €7,500 of euro-area consumer card payments a month.

- Best for: French small and mid-sized merchants who want a French provider
- Price: Starter €10 per month excl. VAT + 1.5% + €0.25 per euro-area consumer card, Pro €30 per month + 1.1% + €0.25 (checked on 2026-10-30)
- Strengths: Founded in 2012, now part of BPCE Merchant Services, with more than 18,000 merchants according to Payplug; Smart 3-D Secure, split payments and one-click payment on Pro; One account for online and in-store payments
- Limits: A monthly subscription even on the entry plan; Built for merchants whose priority markets are France and Europe
- URL: https://www.payplug.com/

### 8. Authorize.net

Authorize.net is a gateway in the classic sense. It pays off when your bank already gives you a low processing rate, not as the first gateway of a new store.

- Best for: US merchants who already hold a merchant account with their bank
- Price: $25 per month + 10¢ per transaction and a 10¢ daily batch fee (gateway only), or $25 per month + 2.9% + 30¢ (all-in-one) (checked on 2026-10-30)
- Strengths: A gateway-only plan that plugs into an existing merchant account; No setup fee; eCheck payments at 0.75% on the Gateway + eCheck plan
- Limits: A $25 monthly fee on every plan; The all-in-one card rate matches Stripe's 2.9% + 30¢, with the monthly fee on top
- URL: https://www.authorize.net/
## How we compared these payment gateways

We compared the eight providers from their public pricing pages, fee schedules and help centers, not from a store we ran for this article. These are the criteria behind the order.

- Cost of a standard domestic card payment, then the surcharge for a foreign card and a currency conversion.
- Fixed costs, from monthly fees to minimum invoices.
- Payment methods available at checkout, from wallets to local bank methods.
- Fit with ecommerce platforms, including the fee Shopify adds when you use an outside provider.
- Countries where a business can sign up.
- Fraud screening and support for 3-D Secure.

The ranking reflects how well each gateway fits a small to mid-sized store selling in the US, the UK or France. Adyen and Authorize.net sit lower because they serve narrower groups of merchants, not because they process payments badly.

## How much does a payment gateway cost per transaction?

A US card payment through a hosted gateway costs close to 3% of the order plus a fixed fee of 30 to 49 cents. On a $100 order, that comes to $3.20 to $3.98 at the standard rates below, before any surcharge for a foreign card.

| Gateway and payment type | Published rate | Fee on a $100 order |
|---|---|---|
| Stripe, US domestic card | 2.9% + 30¢ | $3.20 |
| Stripe, international card | 2.9% + 1.5% + 30¢ | $4.70 |
| Stripe, international card with currency conversion | 2.9% + 1.5% + 1% + 30¢ | $5.70 |
| PayPal Checkout | 3.49% + $0.49 | $3.98 |
| PayPal, standard card payment | 2.99% + $0.49 | $3.48 |
| Square Free, online payment | 3.3% + 30¢ | $3.60 |
| Square paid plans or Online API | 2.9% + 30¢ | $3.20 |
| Authorize.net all-in-one | 2.9% + 30¢, plus $25 per month | $3.20, plus the monthly fee |

Each fee is a calculation, rate times $100 plus the fixed fee, from the US pages of [Stripe](https://stripe.com/pricing), [PayPal](https://www.paypal.com/us/business/paypal-business-fees), [Square](https://squareup.com/us/en/payments/our-fees) and [Authorize.net](https://www.authorize.net/sign-up/pricing.html) on October 30, 2026. In the UK the same logic gives £1.70 for a £100 payment with a standard UK card on [Stripe](https://stripe.com/gb/pricing) (1.5% + 20p), £1.65 on [Square](https://squareup.com/gb/en/payments/our-fees) (1.4% + 25p for UK cards) and £1.40 on [Mollie](https://www.mollie.com/gb/pricing) (1.20% + £0.20 for UK consumer cards).

Stores selling in France have one more lever. [Mollie's French price list](https://www.mollie.com/fr/pricing) charges 1.20% + €0.25 for a Cartes Bancaires consumer card, against 1.80% + €0.25 for an EEA consumer Visa or Mastercard. [Payplug](https://www.payplug.com/fr/tarifs), a French provider founded in 2012 that [reports more than 18,000 merchants](https://www.payplug.com/fr/a-propos), charges 1.5% + €0.25 on its €10 Starter plan and 1.1% + €0.25 on its €30 Pro plan, both excluding VAT. Pro saves 0.4 points per payment for €20 more a month, so it beats Starter above €5,000 of euro-area consumer card payments a month (calculation from Payplug's grid, €20 divided by 0.4%). Against Stripe, which charges the same 1.5% + €0.25 with no subscription, Pro only wins above €7,500 a month (€30 divided by 0.4%).

![Stripe US pricing page listing 2.9% + 30¢ for domestic cards and surcharges for foreign cards](https://storeplatforms.com/images/payment-gateway/stripe-us-pricing-page.webp "Stripe's standard US rates, with the surcharges for manually entered cards, international cards and currency conversion. Source: Stripe, page viewed on 2026-10-30")

Flat rates and interchange-plus pricing split the same cost in two different ways. A flat rate such as Stripe's 2.9% + 30¢ bundles the interchange fee paid to the bank that issued the card, the card network's scheme fee and the gateway's own margin into one number. [Adyen's pricing page](https://www.adyen.com/pricing) separates them: it lists a $0.13 processing fee plus "Interchange+ + 0.60%" for Visa and Mastercard, so you pay each card's actual interchange, the scheme fees and a 0.60% Adyen markup. In the European Union, interchange on consumer cards is capped at 0.2% of the transaction for debit cards and 0.3% for credit cards under [Regulation (EU) 2015/751](https://eur-lex.europa.eu/legal-content/EN/TXT/HTML/?uri=CELEX:32015R0751), which makes the model attractive to a large European merchant whose buyers mostly pay by debit card. With many premium or foreign cards in the mix, the saving shrinks.

![Adyen pricing page filtered on Visa, showing $0.13 plus Interchange+ + 0.60%](https://storeplatforms.com/images/payment-gateway/adyen-pricing-visa-interchange.webp "Adyen lists a fixed processing fee plus the card's interchange and a 0.60% markup for Visa. Source: Adyen, page viewed on 2026-10-30")

## Stripe vs PayPal, which one costs less?

Stripe costs less per payment. On a $100 US order, a domestic card through Stripe costs $3.20 in fees, against $3.98 for a PayPal Checkout payment and $3.48 for a standard card payment processed by PayPal, at the rates both companies published on October 30, 2026. The gap holds abroad as well, since [Stripe adds 1.5%](https://stripe.com/pricing) for international cards and [PayPal adds 1.50%](https://www.paypal.com/us/business/paypal-business-fees) to international commercial transactions. Disputes follow the same pattern in the US, at $15 per dispute received with Stripe and a $20 chargeback fee at PayPal on card payments processed outside its wallet and guest checkout. PayPal's case rests on reach rather than price: the company reported 440 million active accounts at the end of the third quarter of 2026 in its [earnings release of October 27, 2026](https://www.sec.gov/Archives/edgar/data/0001633917/000163391726000086/pypl3q-26earningsrelease.htm). Running both, cards on Stripe and a PayPal button beside them, adds no monthly fee on either side and reaches both groups of buyers.

## What is the difference between a payment gateway and a payment processor?

A payment gateway carries the card details from your checkout to the card networks and returns an approval or a decline. A payment processor, working with an acquiring bank, moves the money and settles it into your bank account. Stripe, PayPal, Square, Mollie, Adyen and Payplug sell both in one contract, which is why the two words get mixed up.

An online card payment goes through five steps:

1. The buyer enters a card or taps a wallet at checkout.
2. The gateway encrypts the data and passes it to the processor.
3. The card network routes the request to the bank that issued the card, which may ask the buyer to confirm with 3-D Secure.
4. The issuing bank approves or declines, and the answer reaches your checkout within seconds.
5. The processor settles the funds, minus fees, into your bank account on its payout schedule.

Authorize.net shows the split clearly. Its [gateway-only plan](https://www.authorize.net/sign-up/pricing.html) costs $25 per month plus 10¢ per transaction and a 10¢ daily batch fee, and it connects to a merchant account you already hold with a bank or processor, which charges its own rate. Its all-in-one plan bundles that merchant account for $25 per month plus 2.9% + 30¢ per transaction. A store without an existing merchant account gets the same card rate with Stripe and skips the monthly fee.

## Do more payment methods reduce checkout abandonment?

Payment problems account for a measurable share of lost orders. In [Baymard Institute's survey of US online shoppers](https://baymard.com/lists/cart-abandonment-rate), 19% of those who abandoned a purchase for a reason other than browsing said they did not trust the site with their card details, 10% had their card declined and 9% said there were not enough payment methods.

![Baymard chart of reasons US shoppers give for abandoning checkout, with card trust at 19%](https://storeplatforms.com/images/payment-gateway/baymard-checkout-abandonment-reasons.webp "Reasons for abandoning online purchases at checkout among US online shoppers, multiple answers allowed. Source: Baymard Institute, page viewed on 2026-10-30")

Card trust and declines are partly a gateway question. A payment form or wallet that buyers recognize reassures them, and Stripe, for one, lists real-time retries and automatic card updates on its pricing page to cut avoidable declines. The 9% who wanted another method are a reason to add a wallet before a fourth card brand.

The mix of methods differs by market. In the euro area, cards carried 48% of online payments by number in 2024 and e-payment solutions 29%, according to the European Central Bank's [SPACE study published on December 19, 2024](https://www.ecb.europa.eu/stats/ecb_surveys/space/html/ecb.space2024~19d46f0f17.en.html), based on 40,981 respondents in 18 euro area countries, plus separate surveys run in Germany and the Netherlands. Card share fell from 54% in 2019, so a European checkout with cards alone misses a growing share of online payments. Payment is only one step of the funnel, and our guide to the [ecommerce conversion rate](/en/ecommerce-conversion-rate) covers the others.

## How do 3-D Secure and fraud rules affect your checkout?

In the European Union, most online card payments need strong customer authentication, and 3-D Secure is how a store applies it. The rule adds a step for the buyer, so the exemptions your gateway uses have a direct effect on conversion as well as on fraud.

The French figures show why gateways push for those exemptions. Internet payments made up 70% of the value of card fraud on French cards in 2025 but only 27% of the total value of card transactions, cash withdrawals included, and their fraud rate fell to 0.124% from 0.155% in 2024, according to the [Banque de France's payment security observatory report published on September 9, 2026](https://www.banque-france.fr/fr/publications-et-statistiques/publications/rapport-de-lobservatoire-de-la-securite-des-moyens-de-paiement-2025). The same report found that domestic internet payments exempted from strong authentication through 3-D Secure had a fraud rate of 0.03% in 2025, half the 0.06% of payments with strong authentication, because the exemptions go to the least risky transactions. Payments made with neither 3-D Secure nor strong authentication had a fraud rate of 0.13%, down from 0.18% in 2024. On these figures, a gateway that asks for exemptions well sends fewer buyers to their banking app without exposing the store to more fraud.

The legal exemption for small payments is precise. [Article 16 of Delegated Regulation (EU) 2018/389](https://eur-lex.europa.eu/legal-content/EN/TXT/HTML/?uri=CELEX:32018R0389) lets the payment provider skip strong authentication for a remote payment of €30 or less, as long as the buyer's previous unauthenticated payments do not exceed €100 in total or five in a row. A US store has the same tools through its gateway, such as the Radar screening and 3D Secure that Stripe lists on its pricing page.

## How to choose a payment gateway for your store

The right gateway is the one that costs least on your own orders, not on a sample basket. This procedure takes an afternoon with last year's data.

1. Start from your platform. On Shopify, [Shopify's pricing page](https://www.shopify.com/pricing) lists a fee of 2% on Basic, 1% on Grow, 0.6% on Advanced and 0.2% on Plus for outside providers, so Shopify Payments comes first.
2. Export last year's orders and split them by buyer country and card type, domestic, foreign and commercial.
3. Price those orders at each gateway's published rates, with the foreign card surcharge, the currency conversion and any monthly fee.
4. Check who can sign up. [Mollie only accepts businesses](https://help.mollie.com/hc/en-us/articles/115002116105) based in the EEA, Switzerland or the UK, and Adyen applies a minimum invoice.
5. Add one wallet button, usually PayPal, and compare checkout completion over the next four weeks.
6. Once your volume is large, ask your provider for interchange-plus pricing and rerun step 3.

For most stores the answer is Stripe or the platform's own payments with a PayPal button next to it, recalculated once a year with the real card mix. If you are still choosing the store itself, our comparison of the [best ecommerce platforms](/en/best-ecommerce-platforms) shows which ones charge extra when you bring your own gateway.

## Frequently asked questions

### Which payment gateway has the lowest fees?

For US domestic cards, Stripe, Square's paid plans and Authorize.net's all-in-one plan share the same 2.9% + 30¢ rate, and Authorize.net adds $25 a month. In the UK, Mollie's 1.20% + £0.20 for UK consumer cards is below Stripe's 1.5% + 20p for standard UK cards at every order size. Large merchants can go lower again with interchange-plus pricing.

### Can I use more than one payment gateway on the same store?

Yes, and many stores do, usually a card gateway plus a PayPal button. On Shopify, every provider other than Shopify Payments adds a platform fee on each sale, so a second gateway there has a real cost.

### Do payment gateways charge a monthly fee?

Stripe, Mollie on standard online pricing, Square Free and Adyen charge no monthly fee on their published pricing, although Adyen applies a minimum invoice. Payplug costs €10 or €30 per month excluding VAT and Authorize.net $25 per month.

### Do I need a merchant account to accept card payments online?

Not with Stripe, PayPal, Square, Mollie or Payplug, which sign you up and settle the money themselves. You need one with a gateway-only plan such as Authorize.net's, which connects to a merchant account you hold with a bank or processor.

### How much does a chargeback cost a merchant?

Stripe charges $15 for each dispute received in the US, £20 in the UK and €20 in France. PayPal charges $20 per chargeback on US card payments processed outside the PayPal wallet and guest checkout. The merchant usually loses the sale amount as well when the dispute is lost.

### Is PayPal a payment gateway?

PayPal works as a wallet that buyers log into and as a card processor for guest payments, so it covers what a gateway does. Most stores still add it next to another card gateway rather than relying on it alone, because its US wallet rate is 3.49% + $0.49.

## Sources

- [Stripe, pricing and fees (United States)](https://stripe.com/pricing)
- [Stripe, pricing and fees (United Kingdom)](https://stripe.com/gb/pricing)
- [Stripe, Stripe publishes 2025 annual letter (February 24, 2026)](https://stripe.com/newsroom/news/stripe-2025-update)
- [PayPal, merchant fees (United States, last updated October 1, 2026)](https://www.paypal.com/us/business/paypal-business-fees)
- [PayPal, Q3 2026 earnings release, Form 8-K exhibit (October 27, 2026)](https://www.sec.gov/Archives/edgar/data/0001633917/000163391726000086/pypl3q-26earningsrelease.htm)
- [Shopify, plans and pricing](https://www.shopify.com/pricing)
- [Mollie, pricing (United Kingdom)](https://www.mollie.com/gb/pricing)
- [Mollie, pricing (France)](https://www.mollie.com/fr/pricing)
- [Mollie Help Center, Can I use Mollie's services in my country?](https://help.mollie.com/hc/en-us/articles/115002116105)
- [Square, processing fees (United States)](https://squareup.com/us/en/payments/our-fees)
- [Square, fees (United Kingdom)](https://squareup.com/gb/en/payments/our-fees)
- [Adyen, pricing](https://www.adyen.com/pricing)
- [Adyen, Q3 2026 Business Update (October 2026)](https://investors.adyen.com/financials/q3-2026-10c88s)
- [Payplug, pricing (France)](https://www.payplug.com/fr/tarifs)
- [Payplug, about us](https://www.payplug.com/fr/a-propos)
- [Authorize.net, pricing](https://www.authorize.net/sign-up/pricing.html)
- [Baymard Institute, cart abandonment rate statistics (updated September 22, 2025)](https://baymard.com/lists/cart-abandonment-rate)
- [European Central Bank, Study on the payment attitudes of consumers in the euro area, SPACE 2024 (December 19, 2024)](https://www.ecb.europa.eu/stats/ecb_surveys/space/html/ecb.space2024~19d46f0f17.en.html)
- [Banque de France, Annual report of the Observatory for the Security of Payment Means 2025 (September 9, 2026)](https://www.banque-france.fr/fr/publications-et-statistiques/publications/rapport-de-lobservatoire-de-la-securite-des-moyens-de-paiement-2025)
- [EUR-Lex, Regulation (EU) 2015/751 on interchange fees for card-based payment transactions](https://eur-lex.europa.eu/legal-content/EN/TXT/HTML/?uri=CELEX:32015R0751)
- [EUR-Lex, Commission Delegated Regulation (EU) 2018/389 on strong customer authentication](https://eur-lex.europa.eu/legal-content/EN/TXT/HTML/?uri=CELEX:32018R0389)