Payment gateway overview

TitanCart ships with five payment gateways built into the core plugin. Two more are available as paid extensions. You can enable as many as you like simultaneously — customers pick at checkout.

Built-in gateways

• Stripe — the default recommendation. Accepts credit cards, Apple Pay, Google Pay, Link and over a dozen regional wallets. Lowest fee schedule of the card gateways. See Stripe setup.
• PayPal — adds PayPal buttons plus Venmo and Pay Later (US). Use alongside Stripe to catch customers who prefer PayPal checkout. See PayPal setup.
• Authorize.net — long-established US gateway, often bundled with merchant accounts from traditional banks. See Authorize.net setup.
• Square — popular with merchants who already use Square for point-of-sale. See Square setup.
• Offline methods — Cash on Delivery, Bank Transfer and Check/Money Order. No gateway fees; you mark orders paid manually. See Offline methods.

Where to enable them

Navigate to TitanCart → Payment Gateways. Every gateway has a toggle, a display order, and its own settings form. Click a gateway name to expand its form.

Sandbox vs. live

Every card gateway (Stripe, PayPal, Authorize.net, Square) has a sandbox mode. Always configure sandbox first, place a test order with the provider’s test card, confirm the order status flips correctly, and only then switch to live credentials.

Reminder: sandbox and live credentials are different keys. Don’t paste a live secret key into a store that’s set to sandbox mode — the gateway will reject every transaction.

Webhooks

Stripe, PayPal and Square all require a webhook pointed at your store so TitanCart knows when a charge succeeded, failed, refunded or disputed. Each gateway’s setup page includes the exact URL you need to paste into the provider dashboard.

If webhooks are not configured, orders that succeed on the gateway side may stay stuck in Pending status on your store. The gateway-specific guides explain exactly what URL and events to register.

Fees and PCI compliance

TitanCart does not charge a transaction fee of its own — you pay the gateway’s published rates directly. Card data never touches your server; each gateway uses a hosted or Elements/SDK-based card form that tokenizes at the gateway’s endpoint, which keeps you under PCI SAQ A scope.

Extension gateways

If you need a gateway we don’t bundle (Mollie, Braintree, Razorpay, Paystack, Klarna, AfterPay and several others), check the Extensions Marketplace. Extension gateways plug in through the same interface the built-in gateways use.