The best online payment solutions for large enterprises in 2025

By Emma BeardmorePublished on 4 July 20258 minutes
The best online payment solutions for large enterprises in 2025
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For the biggest businesses, the complexity of scale makes solving payments uniquely difficult. Cost, risk, compliance, and volume are all major concerns that can’t be solved by off-the-shelf products.

This is why enterprise solutions exist. Designed to help the largest businesses succeed, these products are customisable to suit your situation. Choosing one can be a long and difficult process, which is why we’ve written this guide – to give you a strong starting point for choosing the right enterprise payment solution.

What are enterprise payment solutions?

An enterprise payment solution is a bespoke version of a payment product. It’s meant for the largest businesses, who need a payment solution to do specific things that aren’t possible with the standard version of the product.

These customers are the biggest companies nationally and worldwide - beyond even a standard ‘large’ business. They operate at a scale that normal products simply can’t serve. Businesses value them as customers for both the prestige and revenue that they bring.

Why large enterprises need advanced online payment solutions

Enterprise businesses operate beyond most products’ capabilities. Most software, hardware, and service providers simply can’t give an enterprise-level business what it needs.

Payments are one of the most common areas to encounter this issue. A custom solution is essential to process your volume, value, and variety of payments. Without it, most enterprises would exceed a product’s limits in a matter of days.

Large businesses also have strict compliance, security, and regulatory obligations to meet. They often need a level of data access and manipulation that isn’t available in pre-packaged software.

The international nature of these businesses’ supply chains and customers adds further complexity.

Essential features of the best online payment platforms for enterprises

While enterprise software can be moulded to suit your needs, there are fundamentals that every solution should offer. If you’re considering a payment platform that doesn’t offer all of these features, you can expect to encounter problems before long.

Scalability (volume, value, and geography)

Enterprise businesses are operating beyond the ‘normal’ level for most platforms.

You need to know that your payment solution can handle your current and future scale of payments – whether that’s the total value, the daily/monthly volume, or the number of countries and currencies.

Multi-currency and cross-border payments

The biggest businesses operate across borders and can have staff, suppliers, and customers in every corner of the world.

Your payment platform needs to be able to handle multiple currencies (sending and receiving), ideally with local accounts and like-for-like settlement in major currencies to make multi-entity financial management cost-effective.

Advanced fraud detection and risk management

Enterprise businesses are a major target for fraudsters. Partly because fraud is a numbers game and you process so many payments, but also because the potential rewards of breaching your systems can be huge.

You need to be confident in your payment platform’s security credentials – look for accreditations and tools including PCI DSS, 3DS, MFA, and AI and machine learning detection.

Real-time tracking and reporting

If you can’t see what’s going on in your business, you can’t act appropriately. Enterprise businesses need to stay agile and responsive, as minor issues can quickly snowball into big problems.

The best payment solutions will be able to provide a variety of historic and real-time reports and insights. Without that, you risk missing opportunities and issues as they arise.

Integration with ERP, CRM, and eCommerce platforms

The largest businesses simply cannot afford to have siloed systems. The costs of manually integrating different data, departments, and divisions are far too great.

Any new system you bring into your business needs to integrate with your existing platforms. That includes payments.

Ideally, your payment solution will integrate with your data, eCommerce, CRM, and accounting systems. The best possible solution will allow you to create your own automations between systems, maximising efficiency and speed.

Custom APIs, workflows, data access, and interfaces

An enterprise payments platform should be customised for your business from start to finish.

Having the ability to customise your payments experience is essential. Your internal teams can start to develop new products and features using the platform’s APIs, without having to submit service tickets.

You want the freedom to do what you want and need without having to ask anyone for access. Your back-end access (data, workflows, etc.) should be permissive, rather than by-request, and your front-end should be easy to tweak.

Account management

Your access should be permissive, but there will always be times when you need to speak to someone from your payment solution.

Any enterprise package should come with a dedicated account manager – a named person (or persons) who can solve problems, answer questions, and make sure your experience is seamless and high-quality.

If you have to call a generic customer service number and wait on hold, that’s not very ‘enterprise’.

Top seven online payment solutions for large enterprises in France (2025)

There are dozens, if not hundreds, of payment solutions on the market. The seven listed below aren’t the only ones worth considering, but they are all popular with enterprise customers.

You should do your own research before coming to any decisions.

Airwallex

Airwallex is the financial operating system for global businesses including Shein, Goat, Qantas, and Xero. Specialising in multi-currency accounts and payments, Airwallex also offers market-leading FX rates alongside global payouts, expense management, and vast API customisation.

Pros:

  • All-in-one platform for managing global finances

  • 130+ currencies and 160+ payment methods accepted

  • Developer-friendly, with huge possibilities through APIs

  • Embedded finance capabilities offered

Cons:

  • More features to be released

  • ATM withdrawals not supported

Adyen

Founded in the heart of the low countries, Amsterdam-based Adyen has been serving Europe's (and the world’s) businesses with payments, data, and financial infrastructure since 2006.

Pros:

  • Offers a complete solution for payments

Cons:

  • Technical setup that will require developer time

  • Fees are higher than other providers on this list

  • Second-lowest TrustPilot score on this list (1,4)

PayPlug

French-founded and -focused payments solution, PayPlug is a hugely popular choice for enterprises. With specialist local knowledge, PayPlug is part of Groupe BPCE and partnered with Cartes Bancaires.

Pros:

  • Founded, based, and specialising in France

  • Many integrations and modules

Cons:

  • French-focus means it’s not the best for truly global businesses

  • EUR-only, with no multi-currency feature

  • Not a familiar brand outside of France

Stripe

One of the leading names in payments, Stripe offers innovative tools across payments, money management, and revenue and finance automation. Stripe is big on customisation, as well, claiming to handle over “200 million business-critical API requests every day”.

Pros:

  • Deep financial infrastructure for big businesses to build on

  • Features that unlock or maximise revenue opportunities

  • Strong security and developer credentials

Cons:

  • You might not be eligible for their enterprise product, due to how many exceptionally large businesses use Stripe

  • Quite risk averse, which can lead to account closures and refusal of many merchant category codes

  • 27% of all their one-star TrustPilot reviews mention the word “support” and 14% mention “customer service”

Worldline

Founded here, France remains “a highly attractive and strategic market for Worldline”. This led to them announcing a partnership with Crédit Agricole in 2023 to create a new player in the payments market.

Pros:

  • Based in France and creating new products for French businesses/consumers

  • Omnichannel payment acceptance, great for mixed retail businesses

  • Innovating in areas like digital currencies for businesses

Cons:

  • Crédit Agricole owns a minority stake (as the second largest named shareholder), which presents a possible conflict of interest

  • Several reviews criticise the usefulness of their API

  • Some manual setup and account creation is required, according to reviews

Checkout.com

Focused on simple but powerful API customisations and a global payments network, Checkout.com is one of Europe’s most valuable startups. Founded in London but with offices worldwide, it’s another big name in the market.

Pros:

  • Fast payouts to cards and accounts

  • 19 offices worldwide provide localised support in most major locations

Cons:

  • Risk-aversion means they are quite selective about industries and merchants

  • Some reviewers complain about complex fee structure

  • Online-only, with no physical payment systems

PayPal

PayPal might be the most familiar name in payments, although usually in the context of consumer payments. Its enterprise offering is massively scalable and customisable, so it’s worth your consideration.

Pros:

  • Widely known, used, and accepted globally

  • Proprietary technology in fraud detection, Buy Now Pay Later, and digital wallets

  • Scalable and able to handle massive transaction volumes

Cons:

  • Fees are relatively high compared to others on this list

  • Reviewers complain about funds being held indefinitely and withdrawals taking a long time

  • Lowest TrustPilot score out of all solutions listed (1,3), with 11% of one-star reviews mentioning ‘customer service’, 7% mentioning refunds, and 12% mentioning ‘time’

Comparing the top online payment solutions for large enterprises side by side

Enterprise pricing is secretive and bespoke, so comparisons aren’t straightforward.  For transaction fees, we’ve referenced the cheapest plans. It’s not perfect, but it’s okay for an initial comparison.

Transaction fees for Mastercard (not enterprise rates)

Multi-currency

TrustPilot score

Account manager for enterprise customers

Airwallex

1,3% + 0,25 EUR

3.4

Adyen

Interchange+ + 0,60% + 0,11 EUR

1.4

Dependent on size of business

Stripe

1,5% + 0,25 EUR

2.0

PayPlug

1,5% + 0,25 EUR

2.9

Worldline

Unclear or not public

3.2

Unclear or not public

Checkout.com

Unclear or not public

2.0

PayPal

1,2% + 0.35 EUR

1.3

Dependent on size of business

To get the best sense of what a payment solution can offer at an enterprise scale, you’ll need to talk to them directly. That can be a bit daunting, as these calls can feel like one big sales pitch, but it’s more important that you have a clear idea of what each provider can offer you.

How to choose the right enterprise payment gateway in 2025

Until you’ve spoken with a range of providers, you won’t know which is right for you. These four fundamental topics are a great foundation for comparing providers:

  1. In a specific niche or industry? Your provider should be experienced with and equipped to support businesses like yours.

  2. Prioritise a provider that can fine-tune their product to meet your business’ needs.

  3. Get a clear estimate of the customer service protocols and SLAs/KPIs they’ll provide.

  4. Costs matter. You’ll need a clear schedule of fees – from monthly payments to transaction fees.

Your window of tolerance for all of these points is going to be unique. One business will happily pay more to get priority support, another might have a fixed budget that they cannot exceed. Know your business and your numbers, then take them to market and see what fits.

Why use Airwallex as your online payment solution

As the payment solution built for international business, Airwallex helps businesses of all sizes – from micro to enterprise – grow globally, with:

  • Low-cost payments

  • Global treasury

  • Expense management

  • Spend and payouts

Many providers add international features as an afterthought. At Airwallex, our core product is international connectivity. Every feature we add serves that core product.

French businesses are already thriving with help from Airwallex. From Future and Eleven Paris have streamlined their global treasury operations and taken control of their global expenses.

“Avec Airwallex, nos opérations financières sont plus efficaces et se déroulent plus fluidement. Nous pouvons suivre toutes nos dépenses à un seul endroit et cela fonctionne sans problème avec notre logiciel de comptabilité.”

  • Thomas Dazard, Directeur financier de From Future

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Don’t settle for ‘okay’

Processing payments at scale is complicated and expensive. Enterprise payment solutions exist to solve this for you and add deeper value to your business.

While enterprise solutions are hard to compare, there are fundamentals that every business should keep in mind. Every large business needs competitive pricing, international scalability, and exceptional customer service. If you’re considering an enterprise payment processor that doesn’t meet those criteria, you could end up regretting it.

Airwallex is one of the best options for international-scale businesses, providing the financial toolkit that global businesses need to grow profitability and efficiently.

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Emma Beardmore
Senior Associate, Brand and Content - EMEA

Emma supports all things brand at Airwallex, bringing her love of travel and storytelling to the role. She enjoys writing about how Airwallex empowers businesses to expand seamlessly across borders.

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