Procurement Market Intelligence Report
Online Payment Gateway Software
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Online Payment Gateway Software Global Overview
Definition
Summary
Also known as online payment gateway services or systems, this software is responsible for linking buyers with their credit card processing service providers when a credit card payment has been made. Online payment gateway software can be purchased individually or as a bundle with payment processing services, which is becoming increasingly common. Many suppliers of online payment gateway software also provide payment gateway services for in-store credit card payments.
This Report Includes:
- Payment Gateway Software
- Payment Software Implementation
Not in this Report:
- Credit Card Services
- Credit Card Processing Services
Global Online Payment Gateway Software Procurement Trends
Discover the top international trends affecting procurement in the global Online Payment Gateway Software market.
Warning Trends
The European Union’s Artificial Intelligence (AI) Act enters into force
- In August 2024, the European Union (EU) began enforcing its new regulation on artificial intelligence. Although EU legislation, the act will have a major effect on global technological companies operating in the AI space, similar to the General Data Protection regulation.
- The legislation aims to apply a risk-based framework to AI regulation, meaning different AI applications will be treated differently. The law applies a general ban for “unacceptable” uses, such as social scoring and predictive policing.
- For general-purpose AI models, companies will be required to comply with EU copyright law and intellectual property provisions, carry out regular testing, issue transparency disclosures, and implement adequate cybersecurity protections. For “high-risk” AI applications, such as autonomous vehicles, medical devices, financial services, and biometric identification systems, companies must meet stricter requirements in terms of risk-mitigation systems, documentation, human oversight, and cybersecurity.
- Companies that breach the AI Act may face fines ranging from 7.5 million euros or 1.5% of global annual revenues to 35.0 million euros or 7.0% of global annual revenues, whichever amount is higher.
- While the blanket ban on unacceptable systems entered into force in February 2025, most of the obligations do not take effect for a full year. In August 2025, requirements for general-purpose AI will come into effect, and in August 2026, obligations for high-risk AI systems will be enforced.
Positive Trends
The DOJ proposes Google breakup in latest tech antitrust action
- In August, Google was found guilty of operating as a monopoly and engaging in anti-competitive practices through the operation of its search engine business.
- In response to this ruling the Department of Justice (DOJ) has stated it will seek a breakup of Google’s business segments, among other similarly harsh penalties. While the actual penalty Google receives must be approved by the judge, the DOJ’s proposed penalties signal a zero-tolerance policy toward tech monopolies.
- During the last few years, the Federal government has significantly increased its enforcement actions against major technology companies in an effort to contest the high level of market share concentration in this sector.
- These actions include high-profile anti-trust lawsuits against Amazon, Apple, and Meta, in addition to the case against Google. Consequently, the results of these lawsuits could significantly affect the structure of a wide range of tech markets.
Global Online Payment Gateway Software Market - Suppliers by Region
| Country/Region | Number of Suppliers |
|---|---|
| #1 Europe | 2,215 |
| #2 United States | 1,700 |
| #3 China | 1,105 |
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2
Geography Drilldown - US
Average Cost of Online Payment Gateway Software
United States
2026 Market Pricing$1.00 to $X.XX
percent per transactionAverage Price
Prices in the Online Payment Gateway Software market range from $1.00 to $X.XX, depending on Plan Type, Scope of Service, Software Features and Compatibility. For example, lower prices are associated with Standard, transaction fee-based plans (1.00 to 3.00 percent per transaction), whereas higher prices are associated with Monthly subscription-based plans (2.00 to 5.00 percent per transaction).
Need the scoop on international price trends?
Between our Europe and Canada collections, we provide price data for 350 markets so you can instantly compare prices across borders. Or, use our custom research services for intel on prices in any region across the globe.
Online Payment Gateway Software Category Price Trends
Pricing trends are indicated by the compound annual growth rate (CAGR) during a set period of time. For the Online Payment Gateway Software market, prices in the US have grown 0.1% from 2022 to 2025. Subscribers can access price trend forecasts, price driver projections and forward-looking cost structure data. Learn more
United States (2022-2025)
United States (2025-2028)
Compound Annual Growth Rate
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Price trend forecasts are available to subscribers, along with price driver projections and forward-looking cost structure data.
Cost Analysis - Total Cost of Ownership for Online Payment Gateway Software
Total cost of ownership is Low in the Online Payment Gateway Software market. The average cost of ownership differs depending on the contract but generally includes costs negotiated before the contract begins, costs billed during the contract period and unforeseen costs. For example, unforeseen costs in the form of Downtime may raise the total cost of ownership unexpectedly.
Negotiated Before
Set Up Fees
Billed During
Upgrades
Unforeseen
Downtime
Buyer Power in Procurement Negotiations
In 2026, buyer power amounts to 1.9 in the United States. Buyer power is most positively impacted by Availability of Substitutes. It is most negatively impacted by Recent Price Volatility. Subscribers can access details on eight other factors that impact buyer power. Learn more
United States
Buyer power forecasts: your glimpse into the future
Develop strategies for the upcoming year and identify unforeseen opportunities for buying now
- Actionable "Buy Now" and "Buy Later" insights
- Near-real-time updates to current and forecast Buyer Power Scores
- Methodology and weightings for Buyer Power Score Components
Supply Chain Risk
The average level of supply chain risk is assessed as Low, which has a positive impact on buyer power. The level of supply chain risk is affected by industry volatility, barriers to entry, competition, import penetration, regulation and industry financial risk. Buyers in this market can mitigate procurement and supply chain management risks by monitoring risk levels for individual first and second tier suppliers:
1st
Tier Suppliers
- Software Publishers
- Computer Manufacturers
- Internet Service Providers
2nd
Tier Suppliers
- IT Consulting Firms
- Semiconductor & Circuit Manufacturers
- Wire & Cable Manufacturers
Biggest Online Payment Gateway Software Suppliers in the US by Revenue
The largest Online Payment Gateway Software vendors by revenue in the US are Worldline S.A., Stripe, Inc. and Verifone Inc. Subscribers can sort and filter by market share concentration, profit level and other factors. Learn more
| Supplier | Operational Size | Headquarters | Number of Employees | Market Share (%) | Market Share Performance (3yr trend) | Total Revenue ($ million) | Profit Level (%) | Risk Level |
|---|---|---|---|---|---|---|---|---|
| Paypal Holdings, Inc. | Global | SAN JOSE, CA | >10,000 | 10-15 | ||||
| Fiserv, Inc. | Global | MILWAUKEE, WI | >10,000 | 10-15 | ||||
| Intuit Inc. | Global | Mountain View | >10,000 | 10-15 | ||||
| Fidelity National Information Services, Inc. | Global | JACKSONVILLE, FL | >10,000 | 10-15 | ||||
| Visa Inc. | Global | SAN FRANCISCO, CA | >10,000 | 5-10 | ||||
| Jpmorgan Chase & Co | Global | NEW YORK | >10,000 | < 5 | ||||
| Deluxe Corporation | Global | MINNEAPOLIS, MN | 1,001-10,000 | < 5 | ||||
| Stripe, Inc. | Global | San Francisco, CA | 1,001-10,000 | < 5 | ||||
| Verifone Inc. | Global | San Jose, CA | 1,001-10,000 | < 5 | ||||
Looking for a list of suppliers by country?
Subscribers can access vendor information on Canadian and European suppliers, too. We also offer custom research services to help with vendor sourcing anywhere in the world.
Profit Analysis
The average profit margin across vendors in the Online Payment Gateway Software market is 8.6% and steady. Profit levels shift depending on suppliers' spend on wages, purchases and overhead. The highest cost component for vendors is Overhead. The cost trend for this component is falling, when considering movement between 2025 and 2026. To understand cost forecasts for 2027 and uncover the implications on profit, start your subscription. Learn more
Vendor & Supply Chain Analysis
Due to the online nature of software, supply chain risk is low.
The online payment gateway software market is moderately concentrated; however, concentration has been decreasing in the past three years. Low barriers to entry have been promoting entry into the market, thereby increasing competition.
Vendors in the market pose low financial risk due to moderate and stable profit margins.
The United States is a net importer of computers, meaning it imports more computers than it exports. While lower manufacturing costs abroad drive down prices for imported computers, relying on imports can lead to potential shortages or price increases if there are supply chain disruptions due to geopolitical tensions, trade disputes, or global crises.
Supplier Information
Fidelity National Information Services, Inc.
Fidelity National Information Services, Inc. is a global financial technology company. It organizes its business into three reportable segments: the Banking segment, which offers core processing and transaction processing software and complementary applications and services; the Merchant segment, which serves... Subscribe to learn more
Fiserv, Inc.
Fiserv, Inc. is a global provider of financial services technology to banks, credit unions, other financial institutions, and merchants. Its business consists of three segments: First Data segment, which provides merchant acquiring, e-commerce, mobile commerce, and other business solutions at the point-of-sale;... Subscribe to learn more
Intuit Inc.
Intuit Inc. is a software company that develops platforms delivering financial management, compliance, and marketing products and services. It organizes its business into four reportable segments: the Small Business & Self-Employed segment, which offers accounting services through QuickBooks and marketing... Subscribe to learn more
Paypal Holdings, Inc.
Paypal Holdings, Inc. is a public company operating globally in the information and finance and insurance sectors. The company's offerings include online payment gateway software and credit card payment processing services. Founded in 1998, the company is currently headquartered in SAN JOSE, California, United... Subscribe to learn more
Visa Inc.
Visa Inc. is a public company operating globally in the information, finance and insurance and professional, scientific and technical services sectors. The company's offerings include online payment gateway software, fleet cards, pci compliance consulting, payroll card services and atm network services. Founded... Subscribe to learn more
Deluxe Corporation
Deluxe Corporation is a public company operating globally in the manufacturing, manufacturing, information and professional, scientific and technical services sectors. The company's offerings include business card printing, e-mail marketing software, online payment gateway software, catalog printing services,... Subscribe to learn more
Digital River, Inc.
Digital River, Inc. is a private company operating globally in the information sector. The company's offerings include online payment gateway software. Founded in 1994, the company is currently headquartered in Minneapolis, Minnesota, United States of America with an estimated 75 employees. Subscribe to learn more
Jpmorgan Chase & Co
JPMorgan Chase & Co. is a global financial holding company. It specializes in investment banking, financial services for consumers and small businesses, commercial banking, financial transaction processing, and asset management. It operates through its bank subsidiary, JPMorgan Chase Bank, National Association,... Subscribe to learn more
Stripe, Inc.
Stripe, Inc. is a private company operating globally in the information and finance & insurance sectors. The company's offerings include online payment gateway software and credit card payment processing services. Founded in 2011, the company is currently headquartered in San Francisco, California, United... Subscribe to learn more
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Procurement Management KPIs for the Online Payment Gateway Software Market
Managing vendor performance throughout the contract period is easier when tracking specific key performance indicators (KPIs). For example, buyers should monitor Average Resolution Time and Critical Bugs. Buyers may experience better performance throughout their contracts if they establish service level agreements (SLAs) based on Ticket Escalation and other factors.
| KPI | Level of Importance (1-5) | Measurements | Key Considerations |
|---|---|---|---|
| Average Resolution Time |
|
Total resolution time Number of resolved tickets |
Average resolution time refers to the amount of time it takes to resolve a support ticket on average. A high average resolution time is an indicator that the vendor works to restore service as quickly as possible, as long periods of outages can lead to lost sales and reduced revenue. |
| Critical Bugs |
|
Number of bugs reported in software Downtime |
Critical bugs refer to issues in the software that impede easy operation of the service or completely disrupt service altogether. A high number of critical bugs can indicate that the vendor has either misled the buyer about the quality of the product or that their IT team is not taking care when developing new features or upgrades in the software. |
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Questions to Ask During Procurement Negotiations
How can I gain leverage during negotiations?
Integration
How easy is it to integrate your service in my website?
Once installed, is there any maintenance to be done to make sure the gateway remains operational?
Recent Developments
Do you use computers or software with high exposure to market disruptions resulting from the coronavirus? How are you coping with these disruptions?
How diversified is your supplier base for equipment used in providing the service? Do you source from multiple suppliers in different global regions?
Reliability
What are your uptime guarantees and commitments?
How often and for how long is your service usually down every month?
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Online Payment Gateway Software RFP Guidelines
What should my RFP include?
Organizational Overview
Buyers should explain what the payments they process are related to (e.g., services or e-commerce).
Buyers should include the payment methods that the online payment gateway software should be able to process (e.g., debit cards, credit cards, internet banking and internet wallet transactions).
Statement Of Need
Buyers should include the payment methods that the online payment gateway software should accept (e.g., Visa and MasterCard).
Buyers should detail the software features they require (e.g., scalability, real-time fraud risk management, specified uptime, transaction security) and whether the system must meet any compatibility requirements with the buyer’s existing infrastructure.
Project Budget
Buyers should state the volume of their online transactions for the previous year.
Buyers should detail the contract term for annual ongoing costs (e.g., system support, upgrade, and maintenance charges).
The RFP process made easy
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We display average pricing information, trends and market data.
Our Reports include:
- Opportunity assessment
- Market dynamics
- Recent developments
- Positive and warning trends
- Buyer power levers
- Price environment and market pricing
- Geographic wage rates
- Global market updates
- Total cost of ownership
- Cost structure benchmarks and analysis
- Supply chain and vendors
- Global supplier breakdown
- Market share concentration
- Regulation and business requirements
- Vendor management and KPIs
- Sourcing strategy guidance
