Choosing a Payment Provider
The provider you pick shapes your fees, your checkout experience and how much engineering effort your team spends. It is worth a considered decision rather than defaulting to the first name you recognise.
This article sets out the criteria we weigh when recommending a provider for a client project.
What to Compare
- Pricing: percentage plus fixed fee, and any monthly minimums.
- Payment methods: cards, wallets, direct debit and local options.
- Payout speed: how soon funds reach your bank.
- Developer experience: quality of the API and documentation.
- Support: response times when money is at stake.
Match the Provider to Your Model
A one-off shop has different needs from a subscription business or a marketplace that pays out to sellers. We start from how you make money and work backwards to the shortlist, rather than the other way around.
Avoid Lock-In Where You Can
Storing customer and subscription data in a way you can export later keeps your options open. Switching providers is never trivial, but good architecture makes it possible without rebuilding everything.
If you need a hand with any of this, your Progressive Robot delivery team is ready to help. Raise a ticket from the Support area of your client portal or speak to your account manager and we will guide you through the next steps.