php payment gateway

PHP Gateways – here’s everything you need to know…

In this article we’ll give you an overview of PHP payment gateways and the benefits they offer your business. We’ll also take a quick look at some of the best options available to you in the marketplace.

If you want to skip ahead, just click one of the links:

What Is PHP?

PHP (which stands for PHP: Hypertext Preprocessor 1) is an open source scripting language which is widely used in building and developing websites as it can be embedded into HTML, the language used in determining how a website will look.

PHP is a versatile language as it can perform a wide range of functions, such as collecting form data, generating dynamic pages, and sending and receiving cookies. What makes it ideal for web development and designing shopping carts (such as WooCommerce, Prestashop or OpenCart) is that it can do calculations, collect user information and work with a variety of databases.

Why Choose a PHP Payment Gateway?

Because PHP is versatile and accessible, it makes sense to use it in integrating payment gateways into online shops. Using a PHP payment gateway gives you full control over your shop’s checkout process, from the design to its functionality.

Using a PHP payment gateway means that you can customise the look and feel of your payment page as well as configure the backend processes it will perform, from collecting data from forms to generating invoices and processing refunds.

One setback to using a PHP payment gateway is that you’ll have be a skilled web developer in order to integrate and customise it. If you do want the flexibility and versatility of a PHP payment gateway for your website, you can hire a web developer to integrate and it for you.

Another aspect to think about is your PCI compliance. Because you’ll be handling your customers’ card details, your payment gateway needs to meet the PCI DSS standards for security. If you’re using a PHP payment gateway, you’ll be responsible for making sure that your online shop is PCI compliant.

The Best PHP Payment Gateways for your business



Stripe offers a range of payment gateway APIs for different platforms, including PHP. Once you’ve signed up to a Stripe account, you can get all the PHP code you need in order to get your payment gateway working.

The Stripe payment gateway offers a wide range of functions, including storing customers’ card details, giving refunds, setting up subscription, managing disputes and generating invoices.

Stripe has an extensive PHP library to help you customise your payment gateway. You can set up your Stripe payment gateway for free and rates are fixed at 2.4% plus 20p per transaction.

Read our review of Stripe payments for more information about the services they offer.


paypal logo

The PayPal payment gateway API comes as part of its Website Payments Pro package. This API can be integrated using a number of software development kits (SDKs), including a PHP one.

PayPal offers extensive documentation on how to set up various features for your payment gateway, including issuing invoices and refunds and setting up shipping options. Website Payments Pro is available for £20 a month, plus a transaction fee.

For more information on PayPal’s services, read our PayPal review.


braintree logo

Braintree is a PayPal-owned company that offers purely API-based payment gateways. You can sign up for a Sandbox account, without any commitment, to see how well its PHP payment gateway will integrate into your system.

A complete PHP library is available on the Braintree website, which will give you all the code you need for setting up your customers’ login details, verifying their card details, issuing refunds and discounts and setting up subscriptions.

Braintree’s pricing structure is similar to that of Stripe, with no monthly fees and a transaction rate of 2.4% plus 20p.

Next steps: finding your payment gateway

BMa works with leading payment gateway providers in the UK to offer you the most competitive price quotes.

Save up to 30% on costs by completing the form on top of this article – it only takes a minute and one of our team will be in touchy to follow up.


1 More information about PHP can be found at