Best Picks for Small Businesses, eCommerce Stores & Creators
If you run a website, online store, or digital business in 2025, choosing the right payment gateway is critical to your success. Whether you’re selling products, services, courses, or downloads, you need a secure, easy-to-integrate, and affordable payment solution.
In this post, we’ll explore the top payment gateways you can use in 2025, especially those that support African countries, mobile payments, and international cards.
What Is a Payment Gateway?
A payment gateway is a service that lets your website securely accept payments from customers using cards, mobile wallets, or bank transfers.
Good gateways should be:
- Fast & secure
- Easy to integrate with platforms like WooCommerce, Shopify, or WordPress
- Support local and international currencies
- Offer fair fees and payouts
1. Paystack (Best for Nigeria & Ghana)
Paystack is the leading payment gateway in West Africa. It supports:
- Visa, Mastercard, Verve
- Mobile Money (MTN, AirtelTigo, Vodafone)
- Bank transfers
- Recurring billing for subscriptions
Why Choose Paystack?
✅ Easy WooCommerce and WordPress plugins
✅ Local payouts in Naira or Ghana Cedis
✅ Fast support and fraud protection
✅ Trusted by Kuda, IrokoTV, Carrick Joshua Studio
2. Flutterwave (Great for Multi-Currency Support)
Flutterwave is a Pan-African gateway that allows you to:
- Accept payments from 30+ African countries
- Create a branded store with no coding
- Accept USD, GBP, EUR, NGN, GHS, and more
- Integrate with Shopify, Wix, WordPress
Why Choose Flutterwave?
✅ Multiple payment methods
✅ Strong APIs and mobile SDKs
✅ Accept Apple Pay and PayPal
✅ Supports freelancers and digital creators
3. Stripe (Best for Global Online Stores)
If your website targets international customers, Stripe is an ideal choice. You can:
- Accept 135+ currencies
- Use advanced features like subscriptions, checkout links, and fraud tools
- Integrate with WordPress, Webflow, Shopify
Why Choose Stripe?
✅ Developer-friendly
✅ Supports recurring payments
✅ Instant payouts to bank accounts (US, UK, EU)
❗ May require third-party partners to operate in some African countries
4. Hubtel (Best for Ghana Mobile Payments)
Hubtel is tailored for Ghanaian businesses. It offers:
- MoMo support (MTN, Vodafone, AirtelTigo)
- SMS billing
- POS integration for retail
- Online store creation
Why Choose Hubtel?
✅ Made for Ghana’s ecosystem
✅ SMS receipts and delivery
✅ Strong support and local presence
5. DPO Group (Pan-African, Enterprise Ready)
If you’re scaling across multiple African regions, DPO is a strong option. They support:
- 10+ African countries
- Card and mobile wallet payments
- POS solutions for retail/ecommerce
- Easy invoicing
Why Choose DPO?
✅ Country-by-country payout
✅ B2B and enterprise support
✅ Works for tourism, education, and retail sectors
🧠 Final Thoughts: Which Gateway Should You Choose?
| Platform | Best For | Countries |
|---|---|---|
| Paystack | Local stores, freelancers | Nigeria, Ghana |
| Flutterwave | Multi-currency sales | Africa-wide |
| Stripe | International customers | Global |
| Hubtel | Ghana mobile payments | Ghana only |
| DPO | Multi-country businesses | Africa-wide |
Bonus: Tips Before Choosing a Payment Gateway
- ✅ Make sure it integrates with your website builder
- ✅ Check fees (setup, transaction, settlement)
- ✅ Confirm local currency payout options
- ✅ Test their support & response time
🛠 Recommended Tool:
🌐 Need help setting up your store with Paystack or Flutterwave?
💻 Visit CarrickJoshua.com — We build websites that accept local & global payments in minutes.