Introduction
Payment method availability is one of the most overlooked factors in checkout conversion. Customers who reach the payment step and do not find their preferred method will often abandon the purchase rather than use an unfamiliar alternative. The gateways you offer are a direct revenue decision.
How WHMCS Payment Gateways Work
WHMCS integrates with payment gateways through its built-in gateway module system. Once configured, the payment option appears automatically in your order form and invoice pages. WHMCS supports both one-time payments and recurring billing for subscriptions.
Major Gateways Supported by WHMCS
PayPal
Globally recognised, supports recurring billing. Fees typically 2.9% + fixed fee. Best for: global businesses serving North America, Europe, and Southeast Asia.
Stripe
The preferred gateway for modern businesses. Supports cards, local payment methods (SEPA, iDEAL), and reliable recurring billing. Best for: businesses wanting a professional card payment experience.
Razorpay
Leading gateway in South Asia. Supports UPI, net banking, cards, and digital wallets popular in India and Bangladesh. Best for: hosting businesses targeting South Asian markets.
bKash and Nagad
Dominant mobile financial services in Bangladesh. Critical for hosting businesses targeting local Bangladeshi customers who do not use international credit cards. WHMCS integration available through third-party modules.
Bank Transfer / Manual Payment
Useful for markets with limited online payment infrastructure, high-value enterprise clients, or as a fallback option.
How Many Gateways Should You Offer?
Offer: one card gateway (Stripe recommended), PayPal as a widely recognised alternative, and one or two local payment methods for your target market. More than four or five options creates decision paralysis.
Conclusion
Your payment gateway selection should reflect where your customers are and how they prefer to pay. Research your customer base, identify their preferred methods, and configure accordingly.