Prompt
What payment gateway should I use for international cards and local methods?
Latest observation
Oct 14, 2026
OpenAI APIWeb search: off
The best choice depends on where your business is based, where your customers are, and whether you need international cards + local payment methods in one integration.
Good general-purpose options
- Stripe — Best if you want a clean developer experience and support for many international cards plus local methods in supported countries.
- Adyen — Great for larger or global businesses that want broad international coverage and many local payment options.
- Checkout.com — Strong for global card processing and enterprise use cases.
- PayPal/Braintree — Useful if your audience trusts PayPal, though local method coverage is usually less comprehensive than Stripe/Adyen.
- Razorpay / PayU / Paystack / Flutterwave / Mercado Pago — Better if your customers are concentrated in specific regions and you need strong local payment support.
If you want one gateway for both
A good rule of thumb:
- Start with Stripe if you're in a supported country and want ease of integration.
- Choose Adyen if you need more enterprise-grade global coverage and local payment methods.
- Choose a regional gateway if most of your customers are in one country or region.
Important factors to compare
- International card acceptance
- Local payment methods (bank transfer, wallets, BNPL, etc.)
- Payout currency support
- FX/conversion fees
- Chargeback handling
- Fraud tools
- Country availability
- Integration effort
If you tell me:
- your business country,
- your main customer countries, and
- whether you sell digital or physical goods,
I can recommend the best specific gateway for your case.