Understand the fees
Most gateways charge a percentage per transaction (and sometimes a monthly or per-payout fee). Small percentages add up — know your real cost per sale.
Small percentages add up — work out your real cost per sale before you price.
Payouts and cash flow
Check how often each gateway pays out and whether there's a minimum. Slow or infrequent payouts can strain a small business's cash flow.
Refunds and chargebacks
Refunds reverse a sale; chargebacks happen when a customer disputes one with their bank. Keep proof of delivery and clear policies to protect yourself.
A refund is you reversing a sale; a chargeback is the customer disputing it with their bank. Keep proof of delivery to defend one.