Online payment processingSo you’ve landed that great freelance gig that you were bidding for online.  Awesome!  Now it’s time to buckle down and get to work to meet that deadline.  But did you take time out to find out what are the top online payment gateways that are available to you in the country that you live?

Yes, you and your client have already agreed upon a method of payment before the deal was sealed, but did you choose the best option.  Maybe there were other ways to receive money online that could have been better suited to you, but you weren’t aware of them.

What is a Payment Gateway?

The term payment gateway refers to a service offered by some e-commerce service providers where they authorize and facilitate payments via a form of direct payment, credit cards or debit cards on behalf of businesses (both e-businesses and traditional brick and mortar businesses), and in some cases on behalf of individuals as well.  Companies that provide work online will use one or more of these as options for freelancers to get paid for their gigs.

Payment Gateway

With the steady increase In online gigs these days, more and more freelancers and consultants will need to get paid for their online work.   For these people, it is a very good idea to know what options are available so they can decide what is best for them.  We are helping to make that process easier by presenting information on the top gateways.  This will help freelancers to make an informed decision.

Points for you to consider before making a final decision on a processor are things like.

  • Cost
  • Security
  • Availability in your country

Top online Payment Gateways


Paypal is one of the most popular gateways available today.  It’s an online payment processor that caters to online businesses, vendors, auction houses and individuals worldwide.

As a PayPal user, you are able to send money to others, make payments for online purchases and pay bills.

For the Freelancer who chooses to use Paypal to accept payments. It means that you are able to transfer funds from your Paypal account to your bank account or credit card.  You can also apply for a Paypal pre-paid card which you can use to withdraw cash directly from an ATM in your country.

Merchants who use the service are able to accept payments for goods and services by debit or credit card right there on their website.

Paypal is a safe gateway to use to either send or receive money.  There are features in place for customer security and your data is also encrypted for additional security.

There are small fees related to using the services of Paypal whether as an Individual or as a business.  The fees associated are presented in detail on the Paypal fees page and you can view that page here.


Payoneer is a company, established in 2005 in the financial services industry.  Their business is the provision of online money transfers and digital payment services to users both in the United States and in over 200 other countries internationally.

The company promises to maintain a secure environment in order to ensure the customer’s peace of mind.  To achieve this they employ data encryption methods and other security features.

Online Payment

To receive payments through Payoneer you have the option of having the funds sent directly to your bank account, loaded onto a debit card provided by Payoneer or put into an e-wallet.  Also provided by the company.

Listed among the companies that make use of the service to make payments are some industry leaders like Upwork, Google, Fiverr, Freelancer, and Amazon.

They use the services to make mass payouts, both locally in the USA and internationally.

Be prepared to pay fees for using the service.  Including bank transfers and ATM withdrawals.  You can find the full fee structure here.   Payoneer is a really good payment gateway and the only downside I can see are the fees that have to be paid.


Skrill is another available Payment Gateway.  This one was founded in 2001 and at that time was known as MoneyBookers.

At the time of its inception, this company was only involved in processing gambling winnings.  However, It has evolved somewhat since that time and in 2011 changed its name toSkrill.

The current business model while still allowing some support for
gambling also allows for payments and low-cost international money
transfers to be completed online.

Skrill is a very good option, however, the downsides as I see it are:

You can receive small payments, but until you provide proof of
identification such as a scanned copy of your ID card or your passport,
you will not be able to receive any large payment.

There is also a one time fee charged each time you withdraw funds to your bank account.

At the time of writing, you won’t be able to receive payments using Skrill if you live in one of these countries.


Stripe is relatively new to the e-commerce business, having been launched in 2011.  So far the company provides services in 26 countries.  Some of which are Australia, Canada, Hong Kong, Portugal, the UK, and the USA.

The process of receiving payments from clients using Stripe is a bit different from that of processors like Paypal, Payoneer etc.  In order to make payments, your clients will have to use the Stripe Checkout system

Stripe is secured and the security protocols used by the company include the use of SSL security and data encryption to safeguard your data.


This one is another good processor, that I’ve actually used myself in the past, but at this time Payza seems to have been taken offline by the authorities.

Taken Offline

The buzz is that it was taken down due to allegations of money laundering made by the authorities in the USA.   This was one of the better payment gateways at the time when I was using it so I will keep watch to see exactly how this plays out.

The word Escrow means a bond, deed, or other document kept in the custody of a third party and taking effect only when a specified condition has been fulfilled.  This is the model that’s being used by

They collect the funds from the client and operate as a third party, holding said funds until both the client and freelancer are satisfied.  Then and only then are the funds disbursed.

The company is currently owned by chairman and CEO.

With this system, the freelancer should be able to have peace of mind from knowing that his payment is held in the hands of a third party that will deposit funds to his bank account, Paypal account or to a debit card once the work has been completed

Other lesser-known Payment Gateways


Bitcoin is one type of a brand new transaction method that has been growing in leaps and bounds in the past few years.  It is part of a global monetary system that has been dubbed Cryptocurrency.   As the word currency in the name suggests it is used as money.  In this case digital cash.   Bitcoin is both decentralized and unregulated, independent of any central banking institution.  It can be sent and received across the internet worldwide is an online invoicing platform that was created to assist small businesses and freelancers with getting paid quicker enabling them to be more efficient and achieve improved cash flow.

Due Payments Processor

Due makes abundantly clear the fact that it is a global processor that caters to freelancers, outsourced talent and international product sales.

Due promises multiple layers of security to protect you, your money and your data from fraudsters.

My Remote Team

My Remote Team allows companies to pay freelancers, employees, consultants, and contractors in over 200 countries.  All from one platform.  Payments can be made to banks, Paypal or to a card.


InstaMojo is based in Mumbai, and offers their services in India.  The company acts as a payment gateway but offers it’s services solely to persons living in India.

Those are the top online payment gateways available for a freelancer to get paid.  If you’re interested in doing some freelance work yourself here’s a listing of job boards that you can check to find suitable work.

Happy Job Hunting!!

Categories: Tips N Tools


sabrinamou · at 8:19

I really enjoyed this article. Thank you so much for sharing with us such a beautiful article. I know how important a payment gateway is for a freelancer that I am. Because I’m a freelancer. I also use PayPal and Payoneer. We all know the PayPal payment getaway is one of the most popular gateways. It is a safe gateway to use to either send or receive money. As a freelancer, I must say that this article is very helpful and informative. Very educational. Thank you for sharing your knowledge. I am going to bookmark it. I will definitely share it with my freelancer friends. I am very happy I got the chance to read this and hope the best for you and your site in the future. 

Evagreene · at 8:03

Hey There! This review it’s useful as it carries in depth informations about the various online payment gateway. For me, I make use of PAYPAL because it uses the latest anti-fraud and data encryption technology which practically helps to protect your information and keeps it secure, reducing the risk of online fraud. 

Rodarrick · at 8:01

Payoneer and PayPal remains to be the very best to me. I work as a freelancer writing for most platforms and I get paid specifically from gateways and the ones I prefer the most are these two because of the security attached to them. They are very credible and trustworthy to be ranked the best.

Trevor · at 7:49

This is a terrific site to help people understand different payment gateways. Generally, there are so many that for many it is confusing and the concern is that new payment processes might be some kind of fraud.  This has really helped me.  I have bookmarked your page. The fact one has been taken “offline” does not boost my confidence to buy or pay via that method! Due dot com certainly feels like a good system, anything that improves cash flow for small companies.  Large companies can often be appallingly slow at paying! My Remote Team seems like another excellent option.  Seriously, this is a terrific site capturing all these different options.

Finally, do you have any recommendations for the best way to transfer money between Countries?  Banks charge ridiculous rates and some of the transfer companies online are often only interested in big markets.  What about for smaller Caribbean and Latin American Countries?   Can you make any suggestions please?

Queen · at 7:46

Thanks for this detailed list of online payment gateways. I believe that a gateway that makes it possible for everyone to use their service not withstanding your country of residence should be best sorth after in my opinion.

Personally I have tried and stuck to Paypal it seems to provide that much needed diversity, atleast it makes it possible for me to receieve payments not withstanding the region I am working with.

Thanks for sharing.


Kozakiv · at 7:42

I got bored with my passwords. Instead of entering PINs, they will appear in the digital world of railroad financial transactions using a fingerprint, iris scan or selfie. To satisfy all the demanding users of the global leaders in innovation payments (the largest technology companies, card companies, banks, the best universities) they are doing everything to launch innovation, surprise users, but also to offer an absolutely secure and reliable payment service.

Benny · at 7:39

Hello, Thanks a lot for this article.  I really appreciate what you have put together in this article. 

I remember engaging in a transaction that required Payza as method of payment. then just after opening my Payza account, it was blocked, and i don’t know why.  It was quite painful at the time. 

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