In 2025 the global online payments market exceeded $10 trillion, and the number of transactions processed by international payment companies for businesses grew by 20% year on year (data from McKinsey, Statista, Deutsche Bundesbank). This is not just a record – it is a challenge for any entrepreneur whose business extends beyond one country. Why do some companies scale globally in a matter of months, while others lose customers because of inconvenient payment solutions? How to choose a payment system that not only integrates with your ERP but also provides security, flexibility and fee transparency for international trade?
In practice COREDO finds that most mistakes when choosing payment solutions for e-commerce and B2B transactions are related to underestimating nuances: from support for multi-currency transactions and cryptocurrency payments to legal AML and KYC requirements. In this article I will analyze in detail which payment companies for businesses actually operate in Europe, Asia and the CIS, how to compare aggregators and gateways, what to pay attention to when integrating with CMS and ERP, and which performance metrics really show ROI from payment systems. If your goal is to take the business to a new level, optimize online payments and reduce risks, I recommend reading the article to the end: you will receive not only an overview but also practical recommendations based on COREDO’s experience and international cases.
Payment companies for businesses
Payment companies for businesses today play a key role in ensuring stable and transparent settlements between partners around the world. Against the backdrop of growing demands for speed, security and flexibility of international transactions, choosing a reliable payment aggregator becomes a strategic issue for any business.
Market leaders among international payment aggregators
In recent years the COREDO team has implemented dozens of projects to deploy payment solutions for e-commerce and B2B in the EU, the UK, Singapore and the UAE. The following international payment aggregators are most in demand:
- Stripe – the choice of tech companies that value flexible API integration, support for multi-currency transactions and the ability to accept cryptocurrency payments through partner services. Stripe allows you to quickly enable online payments, automate recurring payments and scale a business in 40+ countries. In COREDO’s case for a large e-commerce client, Stripe integration reduced the time to enter new markets by 30% thanks to ready-made modules for CMS and ERP.
- PayPal – a benchmark for security and buyer protection, especially for B2C and e-commerce. The system supports instant online payments, integration with mobile apps (Apple Pay, Google Pay), and also provides tools for risk management and refunds. PayPal is actively used for international payments; however, fees are above average and cryptocurrency support is absent.
- Verifone (2Checkout), an optimal solution for small and medium businesses that need recurring payments, flexible pricing and simple integration with CMS. In COREDO practice Verifone has proven its effectiveness for SaaS companies and educational platforms where subscriptions and payment automation are important.
- Square: a leader in the offline and online payments segment for retail and startups. Square offers POS terminals, mobile payments and installment tools, which is especially relevant for hybrid business models. The solution developed by COREDO for a chain of stores in the EU made it possible to combine online and offline sales in a single accounting system.
- Braintree, Shopify Payments, Authorize.Net: these aggregators are in demand among online stores operating in global markets thanks to broad support for bank cards (Visa, Mastercard, Amex), e-wallets and automated payments.
European payment systems
For companies focused on the EU and the UAE, COREDO’s practice confirms the high effectiveness of the following solutions:
- TransferWise (Wise) – the best choice for international transfers and multi-currency settlements. Wise offers favourable exchange rates, low fees and a transparent tariff structure. In COREDO’s case for an export-import company, integrating Wise reduced currency operation costs by 40% compared to traditional banks.
- Clear Junction, Fincofex, Checkout, specialized payment services for companies operating in the EU, the UK and the UAE. They provide fast B2B transactions, support for multi-currency accounts and advanced AML tools.
- National payment systems (for example, SBP in CIS countries, SEPA in Europe, Faster Payments in the United Kingdom) play a key role in local transactions and are often used for integration with international payment solutions.
Payment solutions and their features
Payment solutions play a key role in modern online commerce, and their choice directly affects the convenience, speed and security of operations. Each solution has its own characteristics that are important to consider when connecting online payments to a website or service.
Payment gateways and aggregators: which should you choose?
The choice between a payment gateway and an aggregator depends on the specifics of the business, transaction volume and integration requirements. COREDO’s experience shows:
- Payment gateways (for example, Authorize.Net, Adyen) provide direct access to acquiring, allow flexible configuration of authentication methods and integrate with ERP and CMS via advanced APIs. They are suitable for large companies that value full control over the process and customization of payment scenarios.
- Payment aggregators (Stripe, PayPal, Verifone) offer a quick start, minimal legal infrastructure requirements and simple integration with popular CMSs (Shopify, WooCommerce, Magento). For small businesses and startups this is the optimal choice, allowing online payments to be launched within days.
- Support for mobile payments (Apple Pay, Google Pay), cryptocurrency payments and recurring payments is becoming standard for next‑generation aggregators. COREDO case: for a fintech company from Singapore, implementing Stripe with support for crypto gateways and Apple Pay increased mobile payment conversion by 25%.
Payment solutions for businesses across different segments
- Small businesses and startups value easy onboarding, low fees and ready-made modules for CMSs. Payment solutions for small businesses (for example, Square, Stripe, PayPal) allow you to quickly launch an online store or subscription service without a complex legal structure.
- The B2B sector imposes specific requirements on payment systems: support for large transactions, multi-currency accounts, ERP integration and invoice automation. In COREDO’s practice, for a B2B company from the Czech Republic, integrating Clear Junction sped up processing of international payments and reduced risks thanks to built-in AML monitoring.
- Payment solutions for startups often require support for scaling, flexible pricing and the ability to quickly add new payment methods. The solution developed at COREDO for a SaaS platform included integration of Stripe and Verifone with automation of recurring payments and ROI analytics.
- ROI and performance metrics: key indicators include transaction processing cost, speed of fund settlement, decline rate, payment conversion and integration costs. COREDO analytics shows that regular audits of metrics allow optimizing payment processes and improving business margins.
How to choose a payment system for your business?
Choosing a payment system for a business is a key step that determines how convenient it is for customers to make purchases and how effectively the company can manage its finances. To make a well-considered decision, you should first define the main criteria that match the needs of your specific business and allow you to compare different payment companies by the most important parameters.
Criteria for choosing a payment company
- Fees and tariff transparency. It is important not only to compare aggregators’ fees but also to account for hidden costs: currency conversion, refunds, chargebacks. In COREDO’s work for an online store in Estonia, analysis of PayPal and Stripe tariffs revealed a difference in total costs of up to 15% at the same turnover.
- Security and risk management. Modern payment solutions for international transactions must comply with PCI DSS standards, support two‑factor authentication and provide fraud protection. AML consulting by COREDO helps clients not only implement technical measures but also build KYC/AML processes in accordance with the requirements of the EU, the UK and Singapore.
- Legal support and compliance. For companies operating in multiple jurisdictions, it is critical to choose payment services with EMI, PI, MSB licenses and support for local regulatory requirements.
- Support for multi‑currency and international payments. Business scaling requires flexibility in accepting payments from different countries, support for SWIFT, SEPA, Faster Payments, as well as the ability to accept cryptocurrency payments for e‑commerce.
Integration and operation of payment systems – tips
Integration with CMS and ERP. The best payment systems for e‑commerce offer ready plugins for Shopify, Magento, WooCommerce, as well as APIs for integration with corporate ERPs (SAP, 1C, Microsoft Dynamics). In one of COREDO’s projects, integrating Stripe with SAP automated payment reconciliation and sped up reporting.
Payment automation and subscription management. Recurring payments and automated renewal reminders increase customer loyalty and reduce churn rate. Aggregators with recurring payment capabilities (for example, Verifone, Stripe) enable flexible subscription schemes.
Cost optimization and efficiency improvement. Regular audits of fees, analysis of payment system performance metrics (conversion, processing speed, decline rate) and implementation of automated payments help reduce costs and improve ROI.
Business scaling. Payment solutions for global expansion should support new markets without the need for full reintegration. In a COREDO case for an e‑commerce company from the EU, choosing Stripe enabled launching sales in Asia and the UAE in 2 weeks thanks to a unified platform and support for local payment methods.
Ranking of popular payment companies for business 2025
| Payment company | Key advantages | Fees | Currency and cryptocurrency support | Integration features | Target audience |
|---|---|---|---|---|---|
| Stripe | Global reach, powerful API, multi‑currency support | Medium | Yes (crypto via partners) | Wide integration with CMS and ERP | Small and medium businesses, international companies |
| PayPal | High security, buyer protection | Above average | No direct crypto support | Simple integration | E‑commerce, B2C |
| Verifone (2Checkout) | Recurring payments, flexible pricing | Medium | Yes | Customizable API, subscription support | Small and medium businesses |
| Square | Online and offline payments, POS | Medium | No | Integration with POS, mobile payments | Retail, startups |
| TransferWise (Wise) | Cost‑effective international transfers | Low | No | API for business transfers | International business |
Practical tips for entrepreneurs
- Identify your business needs: volume and frequency of payments, customer geography, currencies, the need to support cryptocurrencies and mobile payments.
- Assess security and AML compliance requirements: availability of licenses, KYC support, authentication methods, integration with internal risk management systems.
- Choose a payment system considering fees and functionality: compare rates, refund conditions, automation capabilities and support for recurring payments.
- Plan integration with scalability in mind: choose solutions with an open API, support for popular CMS and ERP, and the ability to quickly add new payment methods.
- Use automation capabilities: implement recurring payments, automated notifications, and analytics on performance metrics.
- Monitor the effectiveness of payment solutions: regularly analyze ROI, transaction processing speed, failure rates and customer satisfaction.
Article conclusion for SEO
Choosing a payment company for your business is a strategic decision that affects scaling, efficiency and competitiveness. COREDO’s experience shows that only a comprehensive approach — from analyzing needs to integration and ongoing auditing of payment processes — enables entrepreneurs and managers to achieve maximum results in international markets. If you aim to implement the best payment solutions for e-commerce, B2B transactions or global expansion, I recommend consulting COREDO experts and testing modern payment technologies in practice.