Top 10 Payment Gateways for Next.js Applications (2025)

In 2025, the online payments space is more competitive, powerful, and developer-friendly than ever. As a Next.js developer or startup founder, choosing the right payment gateway can directly influence your conversion rate, scalability, and global reach.

Whether you're building a SaaS platform, an eCommerce store, or a digital download site, seamless payment processing is a non-negotiable element of the user experience. But with dozens of gateways to choose from, how do you know which one fits your project best?

In this detailed guide, we’ll explore the top 10 payment gateways for Next.js applications, compare features, and share practical integration tips to help you make the smartest choice.

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1. Stripe — Best for Global SaaS & E-Commerce

Stripe continues to dominate as the most developer-friendly and robust payment platform. Its detailed documentation, wide payment method support, and extensive library ecosystem make it ideal for startups and enterprises alike.

Why Developers Love Stripe:

• Full support for subscriptions, one-time payments, and digital wallets

• Smooth integration with @stripe/react-stripe-js

• Webhooks for real-time payment events

• Clean, embeddable checkout flows with Stripe Checkout or custom UI using Stripe Elements

Use Case Example:
If you're launching a SaaS app with monthly billing, Stripe handles the heavy lifting with its built-in subscription tools.

CTA:
Looking to build a recurring revenue stream? Explore Stripe’s Subscription APIs

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2. PayPal — Best for User Trust and Familiarity

PayPal is the old guard of online payments. While not as customizable as Stripe, its recognition and trust factor boost conversions significantly.

Integration Perks:

• Easy setup with @paypal/react-paypal-js

• Backend integration using @paypal/checkout-server-sdk

• No need to handle card data directly

Ideal For:
Sites with global users who want to pay with their PayPal wallet.

Pro Tip:
Use PayPal’s smart buttons to show dynamic pricing or shipping info in the checkout.

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3. Paddle — Best for SaaS Compliance & Tax Handling

If you're selling software or digital goods, Paddle is a game-changer. It handles global taxes (like EU VAT and US sales tax), making compliance a breeze.

What Sets It Apart:

• Managed checkout with tax and compliance baked in

• Integrated licensing and subscription management

• Hosted checkout that's easy to embed with next/script

Use Case:
Selling a Next. JS-based design tool as a one-time or subscription product.

CTA:
Want to focus on building rather than compliance? Try Paddle for SaaS

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4. Razorpay — Best for Indian Startups

Razorpay is India’s go-to payment solution with modern APIs and local support for UPI, net banking, and wallets.

Why It Works:

• Quick setup with Razorpay JS SDK

• Supports subscriptions, payment links, invoices

• Powerful dashboard and webhook support

Integration Sample:
Create an API route in /api/create-order and call Razorpay’s backend SDK to generate an order.

Tip:
Display UPI as the default method for Indian users for better conversion.

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5. Wise — Best for International Bank Transfers

Wise (formerly TransferWise) isn't a classic payment gateway but a fantastic solution for receiving global payments cheaply.

What It Offers:

• Local bank accounts in multiple currencies

• Low forex fees with transparent rates

• API access for automating transfers

Use Case:
If you're a freelancer marketplace or receiving client payments in USD/EUR but operating in India, Wise helps you save massively on fees.

CTA:
Tired of PayPal fees? Switch to Wise for international payments

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6. Authorize.Net (by Visa)

🛠️ Best for: Enterprises and legacy systems needing robust, proven infrastructure

✅ Key Features:

• Advanced fraud detection tools (AFDS)

• Automated Recurring Billing (ARB)

• Customer information manager for secure profile storage

• E-check processing and ACH support

📦 Integration Options:

• JavaScript SDK

• REST APIs

• Also supports mobile SDKs and SDKs for major platforms (like .NET, PHP, Java)

🌍 Availability:

• United States

• United Kingdom

• Canada

• Australia

💡 Why Choose Authorize.Net?
Trusted by enterprises for over two decades, Authorize.Net is a Visa-backed gateway ideal for businesses with complex needs or legacy systems. It's particularly strong in fraud prevention and recurring payments, making it a favorite for B2B services and large-scale platforms.

7. Payoneer — Best for B2B Global Payouts

Payoneer is ideal for mass payouts and receiving client payments internationally.

Benefits:

• Multi-currency receiving accounts

• API access for automating payments to vendors or freelancers

• Widely accepted by marketplaces and platforms

Use Case:
Running a platform that pays out to content creators or sellers globally.

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8. Square — Best for Hybrid POS + Web Payments

Square is more than just a point-of-sale system. It also supports full web-based payments.

Great Features:

• Web Payments SDK with support for Apple Pay, Google Pay

• Inventory and customer profile management

• Trusted brand with physical retail reach

Use Case:
If you run both an online and offline store, Square keeps everything in sync.

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9. P24 (Przelewy24) — Best for Polish Market

Selling in Poland? P24 is a must.

Why It Works:

• Supports bank transfers and cards

• Easy API and hosted checkout

• Preferred by Polish users

Pro Tip:
Offer local payment options to improve trust and reduce abandoned checkouts.

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10. Eartho — Best for Auth + Payments Combined

Eartho is a new player offering both authentication and payment in one SDK. Perfect for MVP builders.

Why Try Eartho:

• User login and billing in one package

• Supports major payment methods

• Customizable UI components

Best Use:
Quickly launching a side project or course platform.

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🧠 Final Thoughts: Which Gateway Should You Choose?

There’s no one-size-fits-all. Your ideal payment gateway depends on:

• Where your customers are located

• What kind of product you're selling (SaaS, digital, physical)

• How much control do you want over the checkout experience

• Your development resources and roadmap

Here’s a quick breakdown:

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🔧 Build Smarter, Not Harder

Choosing the right gateway isn’t just about integrations—it’s about understanding your audience and making payments feel effortless.

Need help integrating one of these in Next.js or NestJS? Drop a comment below or reach out here. Let’s make your checkout experience smoother than ever.

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