A payment gateway is a technology that enables businesses to accept payments online by securely transmitting transaction data between the customer, the merchant, and their bank or payment processor. It serves as a vital part of the payment system, ensuring that digital transactions are completed seamlessly and securely. In Austria, as in many European countries, a variety of payment methods are used for online purchases, including credit cards, debit cards, bank transfers, and mobile payments like Apple Pay and Google Pay. The growth of e-commerce and digital wallets has led to an increasing demand for efficient, reliable, and secure payment gateways.
According to our ratings, NOWPayments is the best payment gateway in Austria. Businesses in Austria can accept payments in digital currencies because it supports more than 350 of them. This is good news for the crypto market, which is growing. NOWPayments works with a lot of different cryptocurrencies, has low fees, and processes payments quickly. These are important for Austrian businesses that want to make it easier for people to pay. With the gateway’s easy-to-use integration options and non-custodial model, businesses can keep full control over their payments and transactions. These features make NOWPayments a great choice for Austrian businesses that want to find new, flexible, and safe ways to pay in 2026.
Choosing the right payment gateway matters more than ever in 2026, especially in Austria’s evolving payment landscape. As more and more people use digital payments, Austrian businesses need to give their customers a lot of different ways to pay. These include PayPal and Klarna, as well as bank transfers, credit and debit cards, and digital wallets. Since cross-border e-commerce is becoming more popular, it is also important to pick a gateway that can handle international transactions and make sure that customers are who they say they are. This is required by the European Union’s Payment Services Directive (PSD2) and for safety. Austrian customers may find it easier to pay if you offer a variety of simple payment options. This could also lead to more people buying things online.
Here’s a list of payment gateways in Austria:
- NOWPayments
- Stripe
- PayPal
- Adyen
- Hobex
What We Considered When Choosing the Best Payment Gateway: Our Selection Criteria
To make a fair comparison of payment gateways for businesses in Austria, we looked at the most important features for Austrian merchants. We wanted to show what would be most useful in a market that is regulated, tech-savvy, and competitive. We chose these criteria to make sure that companies have the information they need to make smart choices:
- Supported Payment Methods: This is very important for businesses in Austria because it lets them offer their customers a lot of different ways to pay that work for them.
- Transaction Fees: Transaction fees have a direct effect on the profits of Austrian businesses, especially those that do business online. To lower the costs of processing payments, it is important to have clear and fair fee structures.
- Integration Tools: Businesses need integration tools to quickly and easily set up the payment solution they want.
The table below shows how well each gateway does in these three important areas. We will talk more about each provider in the next section.
| Payment Gateway | Supported Payment Methods | Transaction Fees | Integration Tools |
| NOWPayments | 350+ cryptocurrencies, 40+ fiat | ~0.5% base fee; ~1.0% with exchange | API, WooCommerce, Payment Button, Payment Widget, Mass Payouts |
| Stripe | 125+ global payment methods (cards, bank debits, wallets, BNPL) | ~2.9% + €0.30 per card transaction | API, SDKs, E-commerce Plugins (WooCommerce, Shopify) |
| PayPal | Credit/debit cards, PayPal, digital wallets, BNPL (Pay in 3) | ~2.9% + fixed fee per transaction | API, E-commerce Plugins, Payment Buttons & Links |
| Adyen | 250+ global & local payment methods | Interchange++ pricing (~€0.11 + interchange) | API, SDKs, E-commerce Plugins |
| Hobex | Visa, Mastercard, Amex, Apple Pay, NFC | ~1.9–2.5% per transaction | API, REST SDKs, Shop Extensions (WooCommerce) |
NOWPayments
NOWPayments is the best payment gateway because it lets businesses accept a lot of different digital payments, like more than 350 cryptocurrencies and more than 40 fiat currencies. Austrian businesses that want to offer more ways to pay will find this option very useful because it is flexible. In Austria, people often pay with digital wallets, credit cards, and bank transfers. The platform makes it easy for customers and businesses to work together. You can use it to switch between crypto and fiat money. NOWPayments helps businesses in Austria stay competitive in a payment landscape that is always changing by accepting both digital and traditional payments.
Supported Payment Methods. NOWPayments lets you pay in a lot of different ways, which is important for businesses that want to meet the needs of all kinds of Austrian customers. The gateway lets businesses take more than 40 fiat currencies and more than 350 cryptocurrencies, like Bitcoin and Ethereum. This wide range of options helps businesses meet the need for digital payments while still accepting credit and debit cards and other traditional payment methods. NOWPayments helps businesses in Austria’s competitive e-commerce market by letting them accept both cryptocurrency and regular money, which gives customers more choices when it comes to paying.
| Payment Method | Accept | Withdraw |
| Cryptocurrency | ✅ | ✅ |
| Credit/Debit Cards | ✅ | ✅ |
| Bank Transfer | ✅ | ✅ |
Transaction Fees. As NOWPayments has low transaction fees, it is a cheap way to pay. This is very important for Austrian businesses that want to speed up their payment processes as much as possible. The gateway takes about 0.5% of crypto payments and a little more when you switch between crypto and fiat currencies. This easy-to-understand pricing system helps businesses save money by giving them a lot of ways to pay. NOWPayments lets merchants offer quick payment options without having to give up service quality by keeping transaction fees low.
| Fee Type | Amount |
| Transaction Fee | 0.5% |
| Monthly Fee | ❌ |
| Setup Fee | ❌ |
Integration Tools. NOWPayments’ powerful integration tools make it easier for businesses in Austria to accept payments in the digital payment ecosystem. It has an easy-to-use API that works with many e-commerce sites, including WooCommerce, Shopify, and others. You do not have to set up anything complicated to take payments with NOWPayments because they already have payment buttons and widgets that you can use. The mass payouts feature is also useful for businesses that need to make a lot of payments or transactions to more than one person.
| Tool / Integration | Available | Setup |
| API | ✅ | Easy |
| WooCommerce | ✅ | Easy |
| Payment Button | ✅ | Instant |
| Payment Widget | ✅ | Instant |
| Mass Payouts | ✅ | Easy |
Stripe
Stripe is a well-known payment gateway that makes it easy for businesses in Austria and all over Europe to take payments online. People know that Stripe has an API that is easy for developers to use. It lets businesses accept a wide range of payments, including credit and debit cards, mobile wallets like Apple Pay and Google Pay, and bank transfers. Stripe gives Austrian businesses everything they need to process payments and make sure their customers have safe and easy payment experiences. It is very popular in Austria’s online shopping market because it works with local payment methods and can reach people all over the world.
Supported Payment Methods. Stripe accepts a lot of different payment methods in Austria, such as credit and debit cards, Apple Pay, Google Pay, and other mobile wallets. The platform also works with Austrian payment methods like SEPA Direct Debit, which is important for businesses that want to meet the needs of Austrian customers. Stripe offers a lot of ways for businesses to accept payments, which lets them do business with customers in Europe and beyond. Stripe’s payment system is flexible, which makes it easy for businesses to do business inside and outside of the country.
| Payment Method | Accept | Withdraw |
| Credit/Debit Cards | ✅ | ✅ |
| Digital Wallets | ✅ | ✅ |
| Bank Transfer | ✅ | ✅ |
Transaction Fees. Stripe’s low transaction fees are good for Austrian businesses that want to improve their payment systems. The normal fee for credit card payments is 2.9% plus €0.30 for each successful transaction. When businesses go global, they need to think about the extra costs that Stripe charges for currency conversions and international transactions. The fee structure is clear, so businesses can easily figure out how much they will have to pay to process payments.
| Fee Type | Amount |
| Transaction Fee | 2.9% + €0.30 |
| International Fee | +1% |
| Setup Fee | ❌ |
Integration Tools. Stripe has all the tools you need to integrate them into your business, no matter how big or small. The API has a lot of information, so developers can easily change the way payments are processed to fit their business. Stripe also makes add-ons for popular e-commerce platforms like Shopify and WooCommerce. This makes it simple for companies to integrate Stripe into their current systems. Stripe is simple to set up and has a lot of useful features that make it easy for businesses to offer their customers a smooth payment process.
| Tool / Integration | Available | Setup |
| API | ✅ | Easy |
| WooCommerce | ✅ | Easy |
| Shopify | ✅ | Easy |
| Payment Links | ✅ | Instant |
PayPal
PayPal lets businesses in Austria safely and reliably take payments from people all over the world. PayPal is easy to use, which is why so many people use it. It lets businesses get paid by customers in Austria and all over the world. You can pay in a lot of different ways, such as with a PayPal account, a credit or debit card, or a digital wallet like Apple Pay or Google Pay. Many online stores in Austria like PayPal because it is so popular for shopping online in the country.
Supported Payment Methods. Businesses in Austria can accept a lot of different types of payments through PayPal. You can pay with PayPal accounts, credit and debit cards, and digital wallets like Google Pay and Apple Pay. PayPal also lets you use BNPL (Buy Now, Pay Later) options. More and more people in Austria are using these to shop online. PayPal lets businesses choose how to accept payments, which makes it easy for a lot of different customers to pay.
| Payment Method | Accept | Withdraw |
| Credit/Debit Cards | ✅ | ✅ |
| PayPal Wallet | ✅ | ✅ |
| Digital Wallets | ✅ | ✅ |
Transaction Fees. PayPal usually charges between 2.9% and a set fee based on the currency for transactions in the US. PayPal charges more for payments that go from one country to another. The fee amount depends on the currency and where the payment is going. PayPal may charge more than some other payment gateways, but it is a good choice for businesses because it works all over the world and has a good reputation with customers. PayPal also charges businesses that do a lot of business less.
| Fee Type | Amount |
| Transaction Fee | 2.9% + fixed fee |
| International Fee | +1.5% |
| Setup Fee | ❌ |
Integration Tools. PayPal has a lot of tools for integrating, so it is easy for businesses to add the payment gateway to their online stores. It has an API and plugins that are easy to install on platforms like WooCommerce and Shopify. Businesses can also change the look of PayPal payment buttons and links to make it easy to add PayPal to their checkout process. These tools help companies make sure that their customers can pay easily and without any problems.
| Tool / Integration | Available | Setup |
| API | ✅ | Easy |
| WooCommerce | ✅ | Easy |
| Payment Buttons | ✅ | Instant |
| Payment Links | ✅ | Instant |
Adyen
Adyen is a payment gateway for businesses that is known for being able to reach people all over the world and work with a wide range of payment methods. It lets businesses take payments from anywhere in the world, like credit and debit cards, digital wallets, and bank transfers. Adyen is a good choice for big businesses and merchants who do a lot of business in Austria and around the world because it focuses on security and growth. Adyen is a strong and flexible payment solution for businesses that want to grow because it works well with other systems.
Supported Payment Methods. Adyen lets businesses accept payments from a wide range of customers by accepting over 250 payment methods from around the world and in your area. It lets businesses take payments in a lot of different ways, like credit and debit cards, digital wallets like Apple Pay and Google Pay, and local bank transfers. Adyen is a great option for businesses that want to reach more people in Austria and around the world because it has so many payment options. Adyen is a good choice for the Austrian market because it accepts local payment methods like SEPA and BNPL.
| Payment Method | Accept | Withdraw |
| Credit/Debit Cards | ✅ | ✅ |
| Digital Wallets | ✅ | ✅ |
| Bank Transfer | ✅ | ✅ |
Transaction Fees. Adyen’s interchange++ pricing model changes based on the type of card and where it is used. The base fee is about €0.11 for each transaction, and there are extra fees for using different payment methods. This pricing model works well for big businesses that do a lot of business. Adyen’s clear and flexible pricing makes it easy for businesses to keep track of how much they spend on payments.
| Fee Type | Amount |
| Transaction Fee | €0.11 + interchange |
| International Fee | Varies |
| Setup Fee | ❌ |
Integration Tools. Adyen has a lot of advanced integration tools, such as an API that can be used in different ways and SDKs for different platforms. Businesses can customize their payment systems to fit their needs, whether they are processing payments online or in person, thanks to its powerful API. Adyen also has e-commerce plugins for platforms like WooCommerce, which makes it easy for businesses to set up their payment systems. Adyen is a full payment system for businesses that want to give customers more ways to pay.
| Tool / Integration | Available | Setup |
| API | ✅ | Easy |
| E-commerce Plugins | ✅ | Easy |
| Payment Links | ✅ | Instant |
Hobex
Hobex is a popular payment gateway in Austria, known for its simple and reliable payment solutions for local businesses. It allows merchants to accept a variety of payment methods, including credit and debit cards, bank transfers, and mobile wallets, making it a flexible solution for the Austrian market. With a focus on ease of use and customer support, Hobex offers a seamless payment experience for both merchants and consumers. It is particularly favored by small and medium-sized businesses looking for an easy-to-implement payment solution.
Supported Payment Methods. Hobex takes a lot of different types of payments that are common in Austria, such as Visa, Mastercard, and other credit and debit cards. It also works with Apple Pay, Google Pay, and NFC and contactless payments when you buy something in a store. Hobex also lets companies in Austria accept payments from local banks, such as SEPA payments. There are so many ways to pay that businesses can give their customers a choice that works for them.
| Payment Method | Accept | Withdraw |
| Credit/Debit Cards | ✅ | ✅ |
| Mobile Wallets | ✅ | ✅ |
| Bank Transfer | ✅ | ✅ |
Transaction Fees. Hobex’s transaction fees are fair, usually between 1.9% and 2.5% of the total amount. Businesses in Austria like it because the fees for payments are low. Payment fees for international transactions may vary, but they are still in line with what is normal in the industry. Hobex’s clear fee structure makes it easier for businesses to know how much it will cost to handle payments.
| Fee Type | Amount |
| Transaction Fee | 1.9–2.5% |
| International Fee | Varies |
| Setup Fee | ❌ |
Integration Tools. Hobex has tools that help businesses use its payment system without any trouble. It is easy to use the API, and it works with popular e-commerce sites like WooCommerce. Hobex also works with contactless payments and NFC, which are new ways for businesses to let their customers pay. These tools make it easy and quick for any company to get going.
| Tool / Integration | Available | Setup |
| API | ✅ | Easy |
| WooCommerce | ✅ | Easy |
| Payment Links | ✅ | Instant |
Final thoughts
This article talked about the payment gateways that most businesses in Austria use to accept payments. NOWPayments, Stripe, PayPal, Adyen, and Hobex are some of these. Each of these ways to pay has its own pros and cons, but the best one for Austrian businesses that want to make it easy for their customers to pay will depend on what they need. More and more people in Austria want to pay with digital methods, so the country’s payment system is changing. Businesses should choose a payment gateway that works with a lot of different ways to pay, like BNPL (Buy Now, Pay Later) services like Klarna, credit and debit cards, and digital wallets like Apple Pay and Google Pay.
NOWPayments is a good choice for businesses in Austria because it lets them take both regular and cryptocurrency payments. You can pay with more than 40 fiat currencies and more than 350 cryptocurrencies with NOWPayments. This lets businesses get in on the growing digital payment market in Austria and other places and take payments from people in other countries. The platform is a great way to accept payments in Austria because it has low fees for transactions, a lot of different ways to pay, and an API that is easy to use. This helps businesses make sure that payments go through quickly and that online transactions are safe.