9 Best WordPress Payment Plugins

Accept payments securely on your site. Compare the 9 best WordPress credit card processing plugins available in 2026, ranked side by side with CAD pricing.

TL;DR

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You pay standard processing fees per transaction, typically around 2.9% plus $0.30 CAD, with no separate monthly software fee."}}, {"@type": "Question", "name": "How do I accept credit cards on WordPress without WooCommerce?", "acceptedAnswer": {"@type": "Answer", "text": "Use a dedicated payment plugin like WP Simple Pay or the WPForms payments addon, both of which connect directly to Stripe or PayPal without requiring a full WooCommerce store setup."}}, {"@type": "Question", "name": "Which payment plugin has the lowest fees for Canadian businesses?", "acceptedAnswer": {"@type": "Answer", "text": "Fees vary by processor and transaction volume more than by plugin choice, since most plugins are simply a front end for Stripe, PayPal, or Square.
Compare processor rates directly."}}, {"@type": "Question", "name": "Are WordPress payment plugins PCI compliant?", "acceptedAnswer": {"@type": "Answer", "text": "Plugins that hand off card entry to Stripe, PayPal, or Square (rather than storing card numbers directly on your server) meet the core PCI requirements for most small business use cases, but you should still confirm compliance details with your specific processor."}}]} {"@context": "https://schema.org", "@type": "Table", "about": "Comparison of the 9 best WordPress payment plugins for 2026", "name": "WordPress Payment Plugin Comparison Table"}

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Last updated: July 2026

TL;DR: The best wordpress payment processing plugin for most stores is WooCommerce Payments if you already run WooCommerce, or WP Simple Pay if you need a lightweight Stripe checkout without a full cart. Businesses collecting recurring invoices should look at WPForms Payments, while sites juggling multiple Canadian gateways will want a plugin that supports Moneris or Helcim alongside Stripe. Below we compare all 9 side by side.

The Verdict, Up Front

Canada Create™ tested nine of the most widely used WordPress payment plugins to see which ones actually hold up for Canadian small businesses. If you sell physical or digital products at scale, WooCommerce Payments remains the safest default because it is built and maintained by Automattic and integrates natively with WooCommerce’s order system. If you just need to accept credit cards wordpress visitors can use for a one-time service fee or donation, WP Simple Pay’s Stripe-first setup gets you live faster with less configuration.

Plugin	Best For	Free Tier	Transaction Fees	Canadian Gateway Support
WooCommerce Payments	Full WooCommerce stores	Yes, free to install	~2.9% + $0.30	Stripe-based, CAD supported
WP Simple Pay	Simple Stripe checkout, no cart	Yes, limited	Stripe standard rates	Yes, via Stripe
WPForms Payments	Payment forms and invoices	Limited	Depends on gateway	Stripe, PayPal, Square
Easy Digital Downloads	Digital products only	Core is free	Gateway dependent	Stripe, PayPal
PayPal for WooCommerce	PayPal-first stores	Yes	PayPal standard rates	Yes
Fondy / Mollie gateways	Multi-currency stores	Varies	Varies by region	Limited, EU-focused
Authorize.Net for WooCommerce	Established merchant accounts	Paid extension	Merchant account dependent	Yes, with a Canadian processor
GatewayKit	Elementor form payments	Yes	Depends on gateway	Via Stripe
Square for WooCommerce	Businesses with in-person POS	Yes	Square standard rates	Yes

Want help choosing?

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Best for Full eCommerce Stores: WooCommerce Payments

WooCommerce Payments is built by WooCommerce itself, making it the closest thing to an official wordpress payment gateway plugins option for stores already built on the platform. It handles cards, Apple Pay, Google Pay, and multi-currency pricing without leaving your WordPress dashboard, and refunds sync automatically with your order records.

Pros: Deep WooCommerce integration, single dashboard for orders and payments, supports CAD natively.
Cons: Only useful if you are already committed to WooCommerce.
Pricing: Free to install, standard processing fees around 2.9% plus $0.30 CAD per transaction.
Best for: Product-based stores that want payments and inventory in one place.

Best for Simple Stripe Checkout: WP Simple Pay

WP Simple Pay skips the shopping cart entirely and focuses on a secure checkout plugin wordpress sites can use for one-off payments, deposits, or subscriptions. It is a strong option for service businesses that just need a “Pay Now” button rather than a full store.

Pros: Fast setup, no-code Stripe checkout builder, supports recurring billing.
Cons: Limited to Stripe as the primary gateway.
Pricing: Free tier available, Pro plans start around $65 CAD per year.
Best for: Consultants, agencies, and service businesses collecting deposits or one-time fees.

Best for Payment Forms: WPForms Payments

If you already use WPForms for lead capture, its payments addon lets you accept cards through Stripe, PayPal, Square, or Authorize.Net directly inside the same forms. This is useful for a wordpress payment gateway plugins setup where you want quotes, invoices, and payment in a single flow.

Pros: Multiple gateway options in one plugin, works well for invoicing use cases.
Cons: Not designed for full product catalogues.
Pricing: Requires WPForms Pro or higher, roughly $150 to $250 CAD per year.
Best for: Service businesses combining quotes with instant payment collection.

Best for Digital Products: Easy Digital Downloads

Easy Digital Downloads is purpose-built for selling ebooks, courses, software licenses, and other digital goods, and its checkout is lighter than WooCommerce for stores that never ship a physical box.

Pros: Lightweight, license key management built in, strong for software and course sellers.
Cons: Not designed for physical inventory or shipping.
Pricing: Free core plugin, extensions from about $100 CAD per year.
Best for: Creators and software vendors selling downloadable products.

Best for PayPal-First Shoppers: PayPal for WooCommerce

Some Canadian shoppers still prefer PayPal over entering card details directly, especially on mobile. PayPal for WooCommerce keeps that option front and centre alongside standard credit card plugin woocommerce checkout fields.

Pros: High buyer trust, works well for cross-border sales.
Cons: PayPal fees can run higher than direct card processing for some transaction sizes.
Pricing: Free to install, PayPal’s standard rates apply.
Best for: Stores with a significant share of PayPal-preferring customers.

Best for Multi-Currency: Fondy and Mollie Gateways

Businesses selling across borders sometimes need gateways built around multi-currency settlement rather than a single home market. Fondy and Mollie both offer WooCommerce gateway plugins with broader European currency support, though Canadian-specific support is thinner than Stripe-based options.

Pros: Strong multi-currency and multi-region support.
Cons: Less documentation and community support for Canadian merchants specifically.
Pricing: Varies by processor agreement.
Best for: Stores with meaningful European or international sales volume.

Best for Existing Merchant Accounts: Authorize.Net for WooCommerce

Established businesses that already have a merchant account and a relationship with a processor sometimes prefer Authorize.Net over switching to a newer platform like Stripe. The WooCommerce extension connects that existing setup to your site.

Pros: Works with established merchant account relationships, mature and stable platform.
Cons: Setup is more involved than Stripe-based plugins.
Pricing: Paid WooCommerce extension plus your merchant account’s rates.
Best for: Businesses with an existing processor relationship they do not want to disrupt.

Best for Elementor Forms: GatewayKit

GatewayKit adds payment fields directly to Elementor-built forms, which suits agencies and freelancers who build client sites primarily in Elementor and want payments without switching page builders.

Pros: Native Elementor integration, simple setup for single-payment forms.
Cons: Newer plugin with a smaller install base than established options.
Pricing: Free core version with premium gateway add-ons.
Best for: Elementor-based agency and freelancer sites.

Best for In-Person and Online: Square for WooCommerce

Retailers running a physical point-of-sale terminal alongside their WordPress store benefit from Square’s WooCommerce integration, since inventory and sales sync between the online store and the till.

Pros: Unified inventory across online and in-person sales, flat and predictable fees.
Cons: Best suited to businesses already using Square hardware.
Pricing: Free plugin, standard Square processing rates.
Best for: Retail businesses with both a storefront and an online shop.

When to Choose Stripe-Based Plugins vs Full WooCommerce

Choose a lightweight Stripe plugin like WP Simple Pay when you need to accept credit cards wordpress sites can use for a handful of fixed-price services or donations. Choose full WooCommerce with WooCommerce Payments when you are managing a real product catalogue with variants, shipping, and tax rules. Canada Create™ sees this decision trip up a lot of small business owners who install WooCommerce for a single “Buy Now” button when a simpler plugin would have taken an afternoon instead of a week to configure. Our guide on Shopify vs WooCommerce for a Canadian store goes deeper into when the extra complexity of a full cart system actually pays off.

PCI Compliance and Security Basics

The PCI Security Standards Council sets the baseline rules every online merchant needs to follow, and every plugin listed here that uses Stripe, PayPal, or Square keeps raw card numbers off your WordPress server, which is the main requirement for PCI compliance on a small business site. That said, Canada Create™ still recommends keeping WordPress core, themes, and plugins updated, since an outdated plugin elsewhere on the site is a more common breach point than the payment gateway itself. Our guide to securing your WordPress website covers the broader hardening steps worth pairing with any payment plugin.

Choosing Between Canadian Payment Processors

The Financial Consumer Agency of Canada publishes general guidance on merchant fees that is worth a skim before signing a processor contract. Canada Create™ readers running B2B or higher-ticket transactions often ask how Stripe compares to Canadian-specific processors like Moneris and Helcim. Our detailed guide to PayPal versus Stripe for Canadian B2B breaks down fee structures and settlement timing in more depth than we can cover here, and it is worth reading before committing to a single gateway across your whole site. For businesses that also handle high-volume invoicing outside of WordPress, our overview of Canadian B2B payment processor fees is a useful companion resource.

Pairing Payments With a Quote or Cost Calculator

Many service businesses want visitors to see a price before they pay. If your site does not yet have that step, see our companion roundup of the best calculator plugins for WordPress, published in the same research cycle as this guide, which covers tools that calculate a price a visitor can then pay through one of the gateways above. Toronto businesses building this exact quote-to-checkout flow often work with Canada Create™’s e-commerce web design team in Toronto to wire the two systems together correctly, and our web design services in downtown Toronto frequently start from this same checkout planning conversation.

FAQ

What is the best payment gateway plugin for WordPress?

WooCommerce Payments is the best overall choice for full product-based stores, while WP Simple Pay is the better fit for simple, cart-free Stripe checkouts.

Is WooCommerce Payments free?

The plugin itself is free to install. You pay standard processing fees per transaction, typically around 2.9% plus $0.30 CAD, with no separate monthly software fee.

How do I accept credit cards on WordPress without WooCommerce?

Use a dedicated payment plugin like WP Simple Pay or the WPForms payments addon, both of which connect directly to Stripe or PayPal without requiring a full WooCommerce store setup.

Which payment plugin has the lowest fees for Canadian businesses?

Fees vary by processor and transaction volume more than by plugin choice, since most plugins are simply a front end for Stripe, PayPal, or Square. Compare processor rates directly, and see our Canadian B2B payment processor guide for a detailed breakdown.

Are WordPress payment plugins PCI compliant?

Plugins that hand off card entry to Stripe, PayPal, or Square (rather than storing card numbers directly on your server) meet the core PCI requirements for most small business use cases, but you should still confirm compliance details with your specific processor. Canada Create™ recommends reviewing your processor’s own compliance documentation annually, since requirements do shift.

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  We’ve had a great experience working with Canada Create for our SEO and digital marketing. They have made a noticeable difference in our Google rankings and online visibility, which has been very important for our business.

As the owner of Lazer Runner in Aurora, I highly recommend Canada Create to any business looking to improve their online presence and grow through Google. They are professional, knowledgeable, responsive, and truly care about their clients’ success.

Thank you, Canada Create, for your great work and continued support!

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A dental practice depends heavily on trust, reputation, patient experience, and being discoverable when someone is searching for a dentist. Canada Create understands how to bring those pieces together and communicate the quality of a practice naturally.

I would highly recommend Canada Create to dentists, dental clinics, and other healthcare professionals looking to improve their online presence, local search visibility, branding, and organic growth.
  
 
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  I had a great experience working with this business. They helped me build my tutoring website from scratch and guided me through the entire process.

I knew nothing about how the process worked, but they were professional, patient, and incredibly helpful. They took the time to understand what I wanted, handled the setup and design, and made sure everything worked properly.

I’m very happy with the final result and would definitely recommend them to anyone who needs help creating a professional website or getting their business online.
  
 
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  Canada Create has been doing an amazing job managing our social media. Their team consistently creates professional, creative posts and stories for our Instagram, Facebook, and TikTok, and the quality of the content has honestly exceeded our expectations.

What impresses us most is that they don’t just post for the sake of posting. The content is well thought out, visually engaging, and represents our business professionally across every platform. They understand our brand and consistently come up with fresh ideas without us having to manage the process.

We’re extremely happy with the work Canada Create has done for us and highly recommend their team to any business looking for professional social media management and content creation.
  
 
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   KIIA MUSIC 
 
 
 
  As an influencer, I've gotten multiple collab opportunities through Canada Create, and every experience has been well-organized and mutually beneficial. They genuinely care about building long-term relationships between businesses and creators, rather than one-time promos. Their expertise in SEO, social media marketing, influencer marketing, content strategy, Instagram growth, YouTube marketing, and brand awareness makes them an excellent partner for companies that want real engagement. Whether you're a local business trying to improve your online presence, or an influencer looking to work with reputable brands, I strongly recommend connecting with Canada Create Agency
  
 
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   Elanaz Ghasemi 
 
 
 
  I've worked with Canada Create on several influencer campaigns, and they consistently bring high-quality collab opportunities that actually fit with my audience. Unlike agencies who only push paid promotions, they understand organic social media marketing and long-term brand growth. Their team makes collaborations smooth, professional, and beneficial for both businesses and creators. If you're an influencer looking for consistent brand partnerships on Instagram, YouTube, or TikTok, I highly recommend reaching out to Canada Create. And if you're a business that wants authentic influencer marketing, content creation, and stronger organic reach instead of just chasing ads, they're one of the best marketing agencies I've worked with in the GTA.
  
 
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  We hired Canada Create to help strengthen the online marketing for Marvel Car Clinic and the results have been very positive.

They developed our new website and managed the Google Ads strategy around our main automotive services including paint protection film (PPF), vehicle wraps and ceramic coating.

The biggest improvement for me has been the overall quality of our online presence. Customers can now clearly see what we offer, the website is much more professional and our advertising is bringing relevant people directly to the services they are searching for.

Their team understands conversion and lead generation, not just design. Everything from the website layout to the advertising campaigns feels like it was created with the goal of getting more customers.

Great communication, professional work and strong results. I would recommend Canada Create to any Toronto or GTA business looking for Google Ads management, website development and digital marketing.
  
 
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   Hossein Esmaeili 
 
 
 
  We’ve had a great experience working with Canada Create on the digital marketing for Marvel Car Clinic. They completely improved our online presence with a professionally designed new website and a much stronger Google Ads strategy.

Our business specializes in car wraps, paint protection film (PPF), ceramic coating and automotive protection services, so attracting the right type of customer is extremely important. The Canada Create team took the time to understand our services, our target market and what actually makes a customer contact us.

Since launching the new website and Google Ads campaigns, we’ve seen a noticeable improvement in the quality of inquiries coming in. The website looks professional, is easy to navigate and presents our car wrap, PPF and ceramic coating services much better than before.

What we appreciate most is that they focus on results instead of simply running ads. Communication has been great, changes are handled quickly and the team is always looking for ways to improve the campaigns.

If you’re looking for a digital marketing agency in Toronto for Google Ads, website design and lead generation, I would definitely recommend Canada Create.

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lazer Runner of Aurora

We’ve had a great experience working with Canada Create for our SEO and digital marketing. They have made a noticeable difference in our Google rankings and online visibility, which has been very important for our business. As the owner of Lazer Runner in Aurora, I highly recommend Canada Create to any business looking to improve their online presence and grow through Google. They are professional, knowledgeable, responsive, and truly care about their clients’ success. Thank you, Canada Create, for your great work and continued support! Lazer Runner Of Aurora

Rozbeh Kamran-Disfani

Canada Create has been an excellent marketing and branding partner for our dental practice. Their understanding of local SEO, digital marketing, social media, content creation, Google visibility, and AI optimization really stood out to us. A dental practice depends heavily on trust, reputation, patient experience, and being discoverable when someone is searching for a dentist. Canada Create understands how to bring those pieces together and communicate the quality of a practice naturally. I would highly recommend Canada Create to dentists, dental clinics, and other healthcare professionals looking to improve their online presence, local search visibility, branding, and organic growth.

Amir Kasra Mesgarpour Tousi

I had a great experience working with this business. They helped me build my tutoring website from scratch and guided me through the entire process. I knew nothing about how the process worked, but they were professional, patient, and incredibly helpful. They took the time to understand what I wanted, handled the setup and design, and made sure everything worked properly. I’m very happy with the final result and would definitely recommend them to anyone who needs help creating a professional website or getting their business online.

khatereh mokhtari

Canada Create has been doing an amazing job managing our social media. Their team consistently creates professional, creative posts and stories for our Instagram, Facebook, and TikTok, and the quality of the content has honestly exceeded our expectations. What impresses us most is that they don’t just post for the sake of posting. The content is well thought out, visually engaging, and represents our business professionally across every platform. They understand our brand and consistently come up with fresh ideas without us having to manage the process. We’re extremely happy with the work Canada Create has done for us and highly recommend their team to any business looking for professional social media management and content creation.

KIIA MUSIC

As an influencer, I've gotten multiple collab opportunities through Canada Create, and every experience has been well-organized and mutually beneficial. They genuinely care about building long-term relationships between businesses and creators, rather than one-time promos. Their expertise in SEO, social media marketing, influencer marketing, content strategy, Instagram growth, YouTube marketing, and brand awareness makes them an excellent partner for companies that want real engagement. Whether you're a local business trying to improve your online presence, or an influencer looking to work with reputable brands, I strongly recommend connecting with Canada Create Agency

Elanaz Ghasemi

I've worked with Canada Create on several influencer campaigns, and they consistently bring high-quality collab opportunities that actually fit with my audience. Unlike agencies who only push paid promotions, they understand organic social media marketing and long-term brand growth. Their team makes collaborations smooth, professional, and beneficial for both businesses and creators. If you're an influencer looking for consistent brand partnerships on Instagram, YouTube, or TikTok, I highly recommend reaching out to Canada Create. And if you're a business that wants authentic influencer marketing, content creation, and stronger organic reach instead of just chasing ads, they're one of the best marketing agencies I've worked with in the GTA.

Zohreh Talebi

We hired Canada Create to help strengthen the online marketing for Marvel Car Clinic and the results have been very positive. They developed our new website and managed the Google Ads strategy around our main automotive services including paint protection film (PPF), vehicle wraps and ceramic coating. The biggest improvement for me has been the overall quality of our online presence. Customers can now clearly see what we offer, the website is much more professional and our advertising is bringing relevant people directly to the services they are searching for. Their team understands conversion and lead generation, not just design. Everything from the website layout to the advertising campaigns feels like it was created with the goal of getting more customers. Great communication, professional work and strong results. I would recommend Canada Create to any Toronto or GTA business looking for Google Ads management, website development and digital marketing.

Hossein Esmaeili

We’ve had a great experience working with Canada Create on the digital marketing for Marvel Car Clinic. They completely improved our online presence with a professionally designed new website and a much stronger Google Ads strategy. Our business specializes in car wraps, paint protection film (PPF), ceramic coating and automotive protection services, so attracting the right type of customer is extremely important. The Canada Create team took the time to understand our services, our target market and what actually makes a customer contact us. Since launching the new website and Google Ads campaigns, we’ve seen a noticeable improvement in the quality of inquiries coming in. The website looks professional, is easy to navigate and presents our car wrap, PPF and ceramic coating services much better than before. What we appreciate most is that they focus on results instead of simply running ads. Communication has been great, changes are handled quickly and the team is always looking for ways to improve the campaigns. If you’re looking for a digital marketing agency in Toronto for Google Ads, website design and lead generation, I would definitely recommend Canada Create.