Top Payment Gateway in Belgium That Your Business Needs to Know

Over the past couple of years, especially after the pandemic, the eCommerce industry in Belgium has seen massive growth (eCommerce revenue is expected to touch $12.46 billion by the end of 2023.). Because of this, more and more individuals have started shopping online and are shifting towards modern or contactless payments such as via cards or mobile instead of cash.

This growth in the eCommerce industry is also impacting the payment landscape in Belgium for good. Digital payment solutions are popping up, making payments easier for customers. You need to adopt the best possible payment solutions to expand your business in Belgium and get a competitive advantage. And we got you covered.

This blog lists the top 10 payment gateways in Belgium that merchants can rely on. You’ll also find a short guide to help you choose the best payment gateway. 

Criteria To Look Out for Payment Gateways in Belgium

Here’s what you need to consider while looking for a payment gateway in Belgium:

1. Security

2. Supported Currencies

3. Payment Methods

4. Market Integrations

5. Pricing and other Fees

6. Reliability

• Check how good their customer support is.
• Check their traction approval rate.
• Talk to previous customers.
• Check for customer testimonials or reviews.
  

Top Payment Gateway in Belgium

1. 2checkout [Verifone]

First on our list is 2Checkout, a reliable payment gateway from Verifone, using which you cannot only process payments in Belgium but globally. Also, it offers your customers a localized buying experience, which positively impacts sales. Here are the primary features that 2checkout offers:

Pricing and Other Fees:

• Setup
• Fee: Free
• Annual Fee: None
• Monthly Fee: None
• Charges on Refunds: Information Available on request
  
• Commission per transaction: 3.5% + $0.35

Accepted Payment Methods:

• Credit/Debit Cards: Cards from Bancontact, JCB, Discover, American Express, Diners Club, Visa, PO, Skrill, and MasterCard are supported.
• Other methods: Digital wallets, such as Skrill, and PayPal, are supported.

Supported Currencies: It supports +100 currencies.

Approvals and Onboarding Time: Information Available on request.

eCommerce Platform Integration: Offers integration with major eCommerce and CRM platforms such as:

• Magento
• BigCommerce
• WooCommerce
  
  

2. Braintree

Braintree is a global payments service by PayPal that allows merchants to accept, process, settle and manage payments from across the globe using a single integration. It also comes with fraud protection and is easy to integrate. Here are the primary features that Braintree offers:

Pricing and Other Fees:

• Setup Fee: Free
• Annual Fee: None
• Monthly Fee: None
• Charges on Refunds: Information Available on request
  
• Commission per transaction: 1,9% + €0,30

Accepted Payment Methods:

• Credit/Debit Cards: Cards from JCB, Discover, Bancontact, Diners Club, Visa, PO, Skrill, American Express, and MasterCard are supported.
• Other methods: ACH, ideal, and Digital wallets, such as PayPal, Venmo, Apple Pay, Google Pay, and more.

Supported Currencies: It supports 135+ currencies.

Approvals and Onboarding Time: Information Available on request.

eCommerce Platform Integration: Offers integration with major eCommerce and CRM platforms such as:

• 3dcart
• Salesforce
• SAP
• BigCommerce
• WooCommerce
  
  

3. Rebilly

Rebilly is a payment aggregation platform that supports 100+ payment gateways and dozens of payment methods available across the globe. It helps merchants accept and manage payments and routes them through the most favorable gateway. Here are the primary features that Rebilly offers:

Pricing and Other Fees:

• Setup Fee: Free
• Annual Fee: None
• Monthly fee: $15 or $125 per month.
• Charges on Refunds: Information Available on request
  
• Commission per transaction: $0 (always free)

Accepted Payment Methods:

• Credit/Debit Cards: Cards from Bancontact, JCB, Discover, American Express, Diners Club, Visa, PO, Skrill, and MasterCard are supported.
• Other methods: ACH, ideal, and Digital wallets, such as Apple Pay, PayPal, Venmo, Google Pay, and more.

Supported Currencies: It supports all major currencies.

Approvals and Onboarding Time: Information Available on request

eCommerce Platform Integration: Offers integration with major eCommerce and CRM platforms.

4. Ingenico Payment Services (Formerly Ogone)

Formerly Ogone, Ingenico Payment Services is a PPaaS or payment platform as a service that allows merchants to manage and accept online payments. It’s presently boarding customers from France, Belgium, Germany, Netherlands, Austria, and Switzerland. Here are the primary features that Ingenico Payment Services offers:

Pricing and Other Fees:

• Setup Fee: Free
• Annual Fee: None
• Monthly Fee: None
• Charges on Refunds: Information Available on request
  
• Commission per transaction: Information Available on request
  

Accepted Payment Methods:

• Credit/Debit Cards: Major cards, such as American Express, JCB, Mastercard, and Visa, are supported.        
• Other methods: Bancontact, Paypal, Ideal, Klarna, Direct debits, Sofort banking, Paylib, Limonetik, Riverty, Masterpass, Cielo Installments, Alpha Card, Przelewy24, and Intersolve.

Supported Currencies: It supports over 150 currencies globally.

Approvals and Onboarding Time: Information Available on request.

eCommerce Platform Integration: Offers integration with major eCommerce and CRM platforms.

5. MONEI

MONEI is another reliable payment gateway popular among businesses in Europe. It offers a host of different payment methods and supports numerous currencies allowing businesses to expand globally. Here are the primary features that MONEI offers:

Pricing and Other Fees:

• Setup Fee: Free
• Annual Fee: None
• Monthly Fee: None
• Daily fee: €0.10 
• Charges on Refunds: €17.00 Per Chargeback
• Commission per transaction: 0.15% to 1.19% + €0.24

Accepted Payment Methods:

• Credit/Debit Cards: Major cards such as JCB, Mastercard, Diners Club, Discover, and Visa are supported.        
• Other methods: SEPA, ideal, Trustly, Bancontact, and payment wallets such as PayPal, Google Pay, Apple Pay, installment payments via Klarna, and more.

Supported Currencies: It supports all major currencies.

Approvals and Onboarding Time: Information Available on request.

eCommerce Platform Integration: Offers integration with major eCommerce and CRM platforms such as:

• Shopify
• Magento
• Spreedly
• Wix
• PrestaShop
  
  

6. Stripe

Stripe is an ideal payment gateway for businesses of all sizes within Europe or globally. Whether you’re a startup or an enterprise, you can rely on Stripe. It offers numerous modern features and supports a vast number of currencies and payment methods. Here are the primary features that Stripe offers:

Pricing and Other Fees:

• Setup Fee: None
• Annual Fee: None
• Monthly Fee: None
• Charges on Refunds: Information Available on request
  
• Commission per transaction: 1.4% + €0.25 for European Economic
• Area cards and 2.9% + €0.25 for international cards. 

Accepted Payment Methods:

• Credit/Debit Cards: Credit cards from Discover, MasterCard, American Express, JCB, Diners Club, PO, Visa, Skrill, and SEPA Debit cards are supported. 
• Other methods: Other methods include iDEAL, and Alipay.

Supported Currencies: It supports over 135 currencies.

Approvals and Onboarding Time: Information Available on request.

eCommerce Platform Integration: Offers integration with major eCommerce and CRM platforms such as:

• Shopify
• NetSuite
• WooCommerce
  

Also Checkout - Top 12 Payment Gateways in France that your Business Need to Know

7. Authorize.net

Authorize.net is an easy-to-integrate payment gateway that allows merchants to accept all sorts of payment methods, from traditional to APMs. Also, it’s customizable and easy to use. Here are the primary features that Authorize.net offers:

Pricing and Other Fees:

• Setup Fee: None
• Annual Fee: None
• Monthly fee: $25
• Charges on Refunds: Information Available on request
  
• Commission per transaction: 2.9% + 30¢

Accepted Payment Methods: 

• Credit/Debit Cards: All major debit and credit cards such as Visa, MasterCard, Discover, American Express, and more are accepted.
• Other methods: Echeck and Digital wallets such as Apple Pay and PayPal are accepted. 

Supported Currencies: It supports all major currencies.

Approvals and Onboarding Time: Information Available on request.

eCommerce Platform Integration: Offers integration with a range of eCommerce platforms, including:

• BigCommerce
• WooCommerce
• Magento
  
  

8. Cybersource

Cybersource is a flexible eCommerce payment solution that allows merchants to accept and process payments securely. It comes with 260+ fraud detectors which make the transactions more secure and reliable. Here are the primary features that Cybersource offers:

Pricing and Other Fees:

• Setup Fee: None 
• Annual Fee: None
• Monthly Fee: None
• Charges on Refunds: Information Available on request
  
• Commission per transaction: Information Available on request
  

Accepted Payment Methods: 

• Credit/Debit Cards: All major debit and credit cards, such as Visa, Discover, American Express, MasterCard, and more are accepted.
• Other methods: Online bank transfers, Direct debits, BNPL, and digital wallets such as Google Pay, Samsung Pay, and Apple Pay are supported.

Supported Currencies: It supports 50+ currencies.

Approvals and Onboarding Time: Information Available on request.

eCommerce Platform Integration: Offers integration with a range of eCommerce platforms, including:

• SAP
• Intershop
• Salesforce Commerce Cloud
  
  

9. Adyen

Adyen is a popular payment solution in Belgium that accepts all popular payment methods.

Merchants can customize the checkout experience using Adyen and increase conversions. Also, Adyen is secure and easy to integrate. Here are the primary features this payment gateway offers:

Pricing and Other Fees:

• Setup Fee: None
• Annual Fee: None
• Monthly Fee: None
• Charges on Refunds: Varies with the payment method used.
• Commission per transaction: €0.10 per transaction + payment
• method fee. 

Accepted Payment Methods:

• Credit/Debit Cards: BACS Direct Debit, American Express, JCB, Diners Club, Discover, giro card, and several other credit/debit card\ brands are supported. 
• Other methods: Other methods include GoPay, Google Pay, GrabPay, Alipay, Affirm, and more.

Supported Currencies: It supports all major currencies.

Approvals and Onboarding Time: Information Available on request.

eCommerce Platform Integration: Offers integration with major eCommerce and CRM platforms, including:

• WooCommerce
• Big Commerce
• Vue Storefront
• Microsoft 365
  
  

10. BlueSnap

BlueSnap is a major online payment orchestration platform that can help you improve authorization rates, reduce cart abandonment and reduce technical debt. It’s secure, PCI-DSS compliant, and supports all traditional and several alternative payment methods. Here are

the primary features that BlueSnap offers:

Pricing and Other Fees:

• Setup Fee: None 
• Annual Fee: None
• Monthly Fee: None
• Charges on Refunds: Information Available on request
  
• Commission per transaction: 1.4% + €0.25 for every successful
• Card Transaction

Accepted Payment Methods: It supports 300+ payment methods.

• Credit/Debit Cards: All major debit and credit cards, such as Visa, MasterCard, Discover, Diner’s Club, and JCB Discover are supported.
• Other methods: Payment methods such as SEPA, Google Pay, PayPal, Visa Checkout, Masterpass, Apple Pay, etc., are also supported. 

Supported Currencies: It supports over 100 currencies.

Approvals and Onboarding Time: Information Available on request.

eCommerce Platform Integration: Offers integration with a range of eCommerce platforms, including:

• Magento
• WooCommerce
• BigCommerce
  
  

Local Payment Gateways and the Rising Complexities for the Businesses?

While local payment gateways offer all the local payment methods in a particular location and serve the purpose, they can sometimes be limiting.

For instance, you’ll be able to offer only a limited number of payment methods and currencies to your customers, making it impossible for you to expand. Moreover, such payment gateways hardly follow the best security protocols. In addition, local payment gateways are unreliable and often face outages that can impact your operations. But what should businesses do to deal with these issues? That’s when inai comes in.

How Can Inai Help You Integrate Multiple Payment Gateways in Belgium?

inai is a reliable payment aggregation platform that can help you integrate 30+ local and global payment gateways and offer 300+ payment methods to your customers. This way, you can expand your business to whatever location you like. 

Also, using inai, you can route each transaction based on transaction approval rate, transaction fee, etc., to ensure maximum profits and seamless transactions. This feature is beneficial when a payment gateway you rely on suddenly shuts down or faces downtime. You can easily switch to a different payment gateway and process payments like normal. To know more about how inai functions, book a demo now.