Online Payments Your Customers Can Trust
JustPayments offers flexible online payment gateways so you can accept payments on your website, invoices, mobile apps, and more — with options tailored to your business needs.
Authorize.Net
Best for: Traditional ecommerce sites
Authorize.Net is a long-established online payment gateway (now part of Visa) that lets merchants accept credit/debit cards, eChecks, and digital wallets on their website or app. It also supports payment links, hosted checkout, advanced fraud filters, and recurring payments.
What it Solves for Small Business
-
Flexible online acceptance:Works with most shopping carts and ecommerce platforms — customers can pay via cards, PayPal or wallets like Apple Pay.
-
Recurring revenue automation:Built-in recurring billing reduces bookkeeping and follow-up.
-
Fraud and chargeback protection:Tools to filter risky transactions and reduce fraud loss.
-
Simple setup:Easy integration with web stores, hosted buttons, and manual payment tools.
Typical Use Cases
Subscription services, high-traffic ecommerce stores, service businesses selling and storing payment methods for repeat billing.
NMI
Best for: Businesses that want a scalable
NMI's gateway platform is highly modular and works online, in mobile apps, and with in-store checkout. It supports tokenization, multi-merchant ID management, fraud prevention, and flexible integration options.
What it Solves for Small Business
-
Sell everywhere from one platform:Accept payments online, in apps, mobile, or through custom integrations.
-
Flexible merchant scaling:Manage multiple merchant IDs and consolidate reporting under one dashboard — useful for multi-brand or franchise setups.
-
Security & PCI compliance:Tokenization and encryption keep data safe and reduce PCI scope.
-
Developer-friendly:APIs and SDKs let you tailor checkout and automate workflows.
Typical Use Cases
Growing retailers with complex workflows, subscription billing businesses, multi-location merchants, and software platforms embedding payments.
SwipeSimple
Best for: Small businesses that want simple online + mobile checkout without complexity.
SwipeSimple offers a streamlined payment platform where merchants can accept credit card payments online, via smartphone/tablet, or through a simple hosted checkout form. It's designed for very easy setup and everyday use.
What it Solves for Small Business
-
Quick start:Merchants can be processing quickly without advanced web development.
-
Integrated item catalog & reporting:Helps small sellers manage items and view sales trends from one place.
-
Low friction checkout:A hosted payment link or lightweight browser experience improves conversions.
Typical Use Cases
Solo proprietors, pop-up shops, events, mobile brands, and service businesses without a full ecommerce stack.
USAePay
Best for: Businesses that want the flexibility and features of NMI but branded under a familiar gateway name.
USAePay is a payment gateway powered by NMI's platform, offering secure online payments, fraud tools, virtual terminal, hosted checkout, and real-time reporting. It combines robust features with flexible integration options.
What it Solves for Small Business
-
Secure online checkout:Protect customer data with PCI-ready tokenization and encryption.
-
Multiple payment workflows:Supports online checkout pages, virtual terminal payments, and mobile transactions.
-
Unified dashboard:See all transactions, settlements, and customer payment history in one place.
Typical Use Cases
Retailers with online + in-store channels, service providers accepting phone/mail orders, and businesses seeking advanced fraud defense.
PayTrace
Best for: Businesses that need online payments plus B2B AR automation and strong reporting.
PayTrace is a payment gateway and processing solution that enables businesses to accept credit card and ACH payments online and on invoices. It includes reporting tools and supports automation workflows that improve cash flow and reduce errors.
What it Solves for Small Business
-
Better cash flow:Digitizes payments to reduce manual entry and improve liquidity.
-
Invoice links and payment buttons:Email pay links and hosted forms make it easier for customers to complete purchases.
-
ERP/Accounting integration:Connects with back-office systems to reduce reconciliation work.
Typical Use Cases
Wholesale suppliers, B2B services, contractors, subscription services, and businesses billing customers frequently.
Accept.Blue
Best for: Businesses focused on optimum interchange qualification and profit optimization alongside payment gateway features.
Accept.Blue provides a modern, PCI Level-1 compliant payment gateway with built-in interchange optimization (aiming to qualify transactions at the lowest possible cost), tokenization, recurring payments, fraud scoring, and white-label options.
What it Solves for Small Business
-
Cost and revenue focus:Interchange optimization can lower effective fees and increase profitability.
-
Security + compliance:PCI Level-1 ensures strong data protection for online checkout.
-
Comprehensive online acceptance:Supports all major card types, ACH/eCheck, and recurring billing.
Typical Use Cases
Ecommerce businesses with high transaction volume, subscription models, and merchants seeking advanced fee efficiency.
Gateway Comparison Snapshot
Compare features across all gateway options
| Feature | Authorize.Net | NMI | SwipeSimple | USAePay | PayTrace | Accept.Blue |
|---|---|---|---|---|---|---|
| Online Checkout | Yes | Yes | Yes | Yes | Yes | Yes |
| Recurring Billing | Yes | Yes | Basic | Yes | Yes | Yes |
| Fraud Tools | Yes | Yes | Basic | Yes | Moderate | Yes |
| API/Integration | Yes | Very Strong | Simple | Strong | Moderate | Strong |
| Reporting | Yes | Yes | Yes | Yes | Strong | Yes |
| Optimization | Standard | High | Standard | Standard | Moderate | Advanced |
Problems These Gateways Address
How online payment gateways help small businesses succeed
Reduce lost sales
Modern checkout options and hosted pages mean customers can pay quickly with fewer abandoned carts.
Protect your brand
PCI compliance, encryption, and fraud scoring reduce liability and chargebacks.
Simplify operations
Reporting, dashboards, and integrations make reconciliation and bookkeeping easier.
Enable recurring revenue
Automated billing and stored payment data help subscription or membership models thrive.
Cut costs
Interchange optimization and gateway choice can lower effective fee rates over time.
Frequently Asked Questions
Common questions about online payment gateways
Ready to Accept Payments Online?
Get a custom online payments quote tailored to your business — with JustPayments guiding you through gateway selection and setup.