Most Adobe Commerce stores do not lose money on traffic. They lose it at checkout.
Around 70% of online shoppers abandon their carts. Checkout issues are one of the biggest reasons. More than 1 in 10 transactions fail for the average eCommerce business. This is a direct revenue.
Every sale depends on the payment gateway. Adobe Commerce can manage traffic, catalog, and user experience well. The final step is where problems appear. Failed transactions, card declines, and missing payment options create friction at the worst moment.
These issues do more than reduce conversions. They increase support requests. They affect customer trust. They create problems for finance teams.
Research shows that 13% of shoppers leave without buying if they cannot use their favorite way to pay. Even a good checkout process does not work if the payment system is not set up well.
Choose the payment system early. It should match your customers and handle payments reliably.. The checkout step decides how much money you make.
Shows how AI processes queries and delivers accurate recommendations
How do you pick the best payment gateway for a Magento store?
Start by focusing on risk, not just cost. The right gateway should protect your business above all. Test how it handles problems and when issues arise, reliability is more important. Marketing teams want speed and reach, operations want smooth processes, and finance cares about payments and resolving issues. You need to balance all these needs. Simple security rules lower audit costs and help save card features that keep working after upgrades.
Many regions require Strong Customer Authentication. Choose solutions that make it easy to follow these rules, rather than those with features that do not work well together. Skipping important steps can lead to missing orders or refund issues. Reliable retry systems are a must. Refunds and delayed payments should happen automatically, without extra effort. Allowing customers to use local payment methods often boosts sales compared to accepting only cards.
The quality of the payment add-on is more important than the provider’s brand or low fees. Do not pick a gateway just for low fees, as cheap options can become costly if issues arise.
Structured framework for evaluating payment gateways
Adobe Payment Services
Adobe Payment Services works well because it is built for Adobe Commerce. It doesn’t offer many options, but it stays reliable. Updates are managed by Adobe, and releases are done with the platform. That saves time for the teams. That matters more for small teams that just can’t afford any payment issues. Extra features may sound useful, but they often create problems later. Payments are handled in the admin panel keeping daily work simple.
Key points:
- Relying less on outside companies means you will have fewer integration issues
- Clean alignment with Adobe Commerce releases
- Updates are controlled and released alongside platform upgrades
- Payments can be managed directly from the admin panel
There are some limitations, but fewer issues make it more stable. Most stores need stability for long-term operations.
Comparison of native and marketplace payment integrations
Braintree
Braintree is very flexible and provides direct customer service. It is integrated into many Adobe Commerce releases, including PayPal. Braintree works well for merchants looking to offer card and PayPal payment solutions without managing multiple companies. In addition, it allows customers to save their credit cards for repeat purchases, which may be suitable for medium-scale merchants.
Trust from PayPal wallets is provided without requiring any agreements.
Key points:
- Vaulting support for saved cards and repeat customers
- Supports subscriptions and recurring billing
- 3DS configuration requires careful testing to meet local rules
- Built-in support reduces setup effort but still needs release testing
It is definitely not “set and forget.” Changes can lead to payment issues, so all teams that use Magento development services need to test all changes before every release.
PayPal
PayPal is significant because of the consumer trust it inspires. For many commercial websites, it gives consumers confidence when making purchases rather than changing the design. It is most convenient when customers have accounts. You also need proper refund systems. It helps first-time buyers feel confident.
Key points:
- Handles multiple currencies and regions effectively
- Handling of disputes and charge-backs is also under PayPal’s guidelines
- Trusted by customers, especially first-time and cross-border buyers
- Best used alongside card payments, not as the only gateway
PayPal is rarely the best choice as your only payment gateway. It works best when you use integration services that connect refunds and reporting directly to your Adobe Commerce workflows.
Stripe
Stripe provides detailed visibility and control. It provides clear information about what is happening, helping fast-moving teams stay up to date. However, steps that do not happen right away need careful monitoring. Stripe shows details for every payment. Each action sends a message you need to monitor closely to stay in control. Having a skilled technical team is important.
Key points:
- Supports cards, wallets, and regional payment methods
- Detailed webhook events help with audits and issue resolution
- Requires strong retry and failure-handling processes
- Best suited for teams with dedicated technical ownership
You need clear processes to manage retries and failures effectively.
Stripe is not the best choice for teams that want a simple, ready-to-use solution. It works best for Magento teams that test and document every step. Without this careful approach, small issues can be missed.
Hidden operational risks beyond transaction fees
Adyen
Adyen makes things simpler by using one contract and setup for many markets. For global brands, this simplicity is worth the extra setup and reporting work. It is a good choice for companies working in many regions that want a single payment system. Setup takes longer, but it supports long-term global operations. Fraud rules help keep things organized and make everything easier for finance teams in different regions.
Key points:
- Single contract and setup for multiple regions
- Advanced fraud rules support global operations
- Complex reporting requires early finance team involvement
- Works best with mature teams
Adyen works best with your Adobe Commerce setup. It is also well-organized, and teams have clear roles.
Authorize.net
Authorize.net is selected for its reliability rather than for many new functionalities. For billings, repeat customers, or manual approvals, reliability is an important factor.
This gateway is a good option for stores with a focus on customers within the US and stores that make use of customer accounts. Finance managers find this gateway to be highly predictable and easy for engineers to implement. Authorize.net has a very long history of working with US banks.
Key points:
- Stable and predictable payment processing
- Strong support for saved cards and recurring billing
- Well-suited for US-focused and B2B merchants
- Checkout experience can be customized
Stored cards and recurring payments help with contracts and repeating orders. This suits brick-and-mortar retailers looking to expand worldwide or customize their checkout options.
The default user interface might feel dated. Upgrade and review processes occur regularly in Magento managed services rather than leaving upgrades until just before launch.
Amazon Pay
Amazon Pay is trusted by buyers, and logged-in customers can check out quickly and easily. While it is focused, it is powerful where it matters. Amazon Pay is best for brands with customers who often use Amazon. It is not available everywhere, and some places have special rules. It makes checkout easier for frequent Amazon customers.
Key points:
- Fast checkout for logged-in Amazon customers
- High trust among repeat buyers
- Limited regional availability and merchant eligibility
- Extension compatibility must be monitored during upgrades
Amazon Pay does not support all regions, and processing refunds can be complicated. Order and refund management must be configured in Adobe Commerce. The versions in your extensions can cause Amazon Pay to be disabled.
Use Amazon Pay to speed up checkout, but not as the only method. Configuring Amazon Pay correctly can help you avoid missed report issues in the future.
Checkout.com
Payment services to power your performance | Checkout.com is all about control, not just ease of use. It improves payment routing, approval, and settlement control. For big companies, the extra work is worth it since even small improvements can increase profits.
Key points:
- Advanced control over payment routing and approvals
- Multi-currency settlement helps finance operations
- Strong reporting and reconciliation capabilities
- Requires careful management of webhooks and API keys
Handling payments in different currencies helps your finance team. Good reports and data let you check details closely. You must manage connections and security codes carefully, because mistakes can happen quickly if not managed well. Assign clear ownership for payment management.
Worldpay
Worldpay is often chosen to reduce payment risk. It uses hosted payment pages which shift much of the PCI responsibility away from your store. For teams that prioritise security and compliance this trade-off is usually acceptable even if it limits checkout control.
Worldpay supports cards wallets and 3DS depending on how it is configured. It is available through multiple Adobe Commerce extensions but the quality of these extensions varies. Vendor support also differs which makes testing important.
Key points:
- Hosted payment pages reduce PCI scope
- Supports cards wallets and 3DS based on configuration
- Available through multiple Adobe Commerce extensions
- Extension quality and vendor support vary
- Requires careful testing on every platform update
- Extensions must be checked on every payment gateway integration services
Compatibility and release validation cannot be skipped. This is especially important when integrating LDPay with Adobe Commerce where every extension should be tested after each new release.
Klarna
Klarna is not a payment processor. It is a tool that changes how people decide to buy. Buy Now Pay Later changes customer behavior. If used carelessly, it can make shipping and refunds more difficult. It is often grouped with payment gateways, but technically it works differently. It sits on top of your primary payment infrastructure.
Key points:
- Increases average order value through Buy Now Pay Later
- Functions as a BNPL method not a primary processor
- Availability depends heavily on region and market adoption
- Refunds and split payments need clear operational processes
- Should always be used alongside a primary payment gateway
Refunds and split payments with Klarna require careful configuration and close collaboration with your customer support team. Clearly document who is responsible for customer support between Klarna and your business. It should never be used without a primary payment gateway.
Controlled payment gateway implementation lifecycle
What safe implementation looks like
To keep payments running smoothly, you need reliable payment gateway integration services. Do not rely on assumptions.
Do not pick a gateway just because you know the brand. Use the best Adobe Commerce integration services to test authorization, capture, refund, void, and chargeback.
Regular upkeep is better than waiting for problems. Teams that use Magento development services experience fewer payment issues and easier upgrades. These act as control systems. In Adobe Commerce, choosing the right gateway reduces risk. It improves operational control, while the wrong choice can mask problems until they become serious. Plan for failures to maintain payment reliability.
Work with Ziffity to choose, test, and deploy payment gateways correctly in Adobe Commerce through our Magento managed services. Get a payment gateway audit for your Adobe Commerce store.
