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Best WordPress Payment Plugins for Freelancers and Businesses Receiving International Payments

Shashank Dubey

Content & Marketing, Wbcom Designs · Published Mar 25, 2025 · Updated Nov 6, 2026

Getting paid by a client in another country is rarely the hard part. The hard part is what happens between their card and your bank account: conversion fees, cross-border surcharges and a settlement delay nobody warned you about. The WordPress payment plugin you pick decides how much of that you absorb.

Services like Profee can help when you need to send money across borders, for example a money transfer to India. For taking payments on your own site, though, you need a gateway plugin that handles multiple currencies, local payment methods and fraud checks. This guide compares six of them, using the vendors’ own pricing and plugin pages.

Last updated: 6 November 2026

Quick answer

For most WooCommerce sites taking international payments, Stripe (the WooCommerce Stripe Payment Gateway) and WooPayments are the strongest starting points, with PayPal Payments added as a second option for buyers who prefer it. Razorpay suits Indian businesses, and Payoneer Checkout suits freelancers already paid through Payoneer.

This article compares tools and published fees. It is not financial, tax or legal advice. Fees, supported countries and account eligibility change by merchant location, so confirm them with each provider before you commit.

Comparison of the payment plugins

All figures below come from the vendor pages linked in each section, checked in November 2026. Fees shown are for the merchant location named in each row.

Plugin	Best for	Reach	Published fees	Plugin version (updated)
WooPayments	WooCommerce stores	38 countries have a published fee schedule	US: 2.9% + $0.30 per card, +1.5% for international cards, +1% for currency conversion	11.2.1 (3 Nov 2026)
Stripe (WooCommerce Stripe Payment Gateway)	Cards, wallets and local methods worldwide	Cardholders in 195+ countries, 135+ currencies	Varies by country. India page: 2% domestic, 3% international cards, +2% when conversion is needed	11.1.1 (16 Oct 2026)
PayPal (WooCommerce PayPal Payments)	Buyers who want to pay with PayPal	Varies by method and country	US: 3.49% + $0.49, +1.5% for international, 3% to 4% currency conversion spread	4.2.0 (21 Oct 2026)
Razorpay	Indian businesses	Operates under RBI PA-CB licence, 180+ countries, 135 currencies	2% domestic, up to 3% international cards, plus 18% GST on the fee	4.8.9 (4 Nov 2026)
Payoneer Checkout	Freelancers and agencies paid through Payoneer	200+ markets, 120+ currencies	No fee schedule published on the plugin page	4.0.0 (28 Oct 2026)
Instamojo	Small Indian sellers	Official plugin accepts INR only	Check Instamojo’s current pricing	2.0.1 (May 2024)

What actually costs you money on an international payment

A payment gateway fee is rarely a single number. On a cross-border sale you can be charged a base card fee, an extra percentage because the card was issued abroad, and a further percentage when the currency has to be converted.

PayPal’s US merchant page shows the stack clearly: 3.49% plus a fixed fee, an extra 1.50% for international transactions, and a currency conversion spread of 3.00% (4.00% in some cases). See PayPal’s business fees page for the full table.

Pricing a product in the buyer’s currency can avoid some conversion charges. Settling in a currency your account already holds avoids more.

The plugins in detail

WooPayments (formerly WooCommerce Payments)

WooPayments is the payment solution built by the WooCommerce team, and it works only on WooCommerce sites. Payments are taken on your own checkout without sending buyers to an external page. The plugin listing showed version 11.2.1 updated on 3 November 2026.

Its fee schedule is published by country. Per the WooPayments fees page, US merchants pay 2.9% + $0.30 per card transaction, plus 1.5% for international cards and 1% for currency conversion. UK merchants pay 1.5% + 25p, plus 2% for international cards and 2% for conversion. Eurozone countries such as Germany, France and Spain start at 1.5% + €0.25.

There are no setup or monthly fees for online payments. The fee page lists 38 countries.

Best for: WooCommerce store owners who want a single dashboard for payments, payouts and disputes. Limit: it is available only in the countries listed on that fee page, so check your business location first.

Stripe (WooCommerce Stripe Payment Gateway)

Stripe is a long-standing card gateway for WooCommerce stores. The official WooCommerce Stripe Payment Gateway was at version 11.1.1 in mid-October 2026.

According to Stripe’s pricing page, it supports 135+ currencies and cardholders in 195+ countries. Wallets such as Apple Pay and Google Pay are supported alongside cards.

Fees depend on where your business is registered. On the India pricing page, cards issued in India cost 2%, Mastercard and Visa cards issued abroad cost 3%, and 2% is added when currency conversion is required. Open the pricing page for your own country before comparing.

Best for: sites that want one gateway for cards, wallets and many local payment methods. Limit: Stripe accounts are available only in a defined list of countries, and disputes carry their own fees.

PayPal (WooCommerce PayPal Payments)

PayPal is the payment method many international buyers already trust, which can lift conversion on a freelancer’s invoice or a small store. The WooCommerce PayPal Payments plugin has 800,000+ active installs and was at version 4.2.0 on 21 October 2026.

It supports PayPal buttons, card processing, subscriptions through WooCommerce Subscriptions or PayPal Subscriptions, and extras such as Pay Later in select countries. Venmo is for US shoppers only.

The trade-off is cost. The US fee of 3.49% + $0.49, the 1.5% international add-on and a conversion spread of 3% or more make PayPal one of the pricier ways to receive foreign payments. Many stores offer it next to a card gateway rather than instead of one.

Best for: buyers who insist on PayPal. Limit: the plugin’s rating on WordPress.org was 2.9 out of 5 when checked, so test it on a staging site first.

Razorpay

Razorpay is built for businesses registered in India. The Razorpay for WooCommerce plugin was at version 4.8.9, updated on 4 November 2026.

From Razorpay’s pricing page: domestic payments cost 2% per successful transaction, international cards cost up to 3%, and 18% GST applies on the fee. Setup and annual maintenance fees are listed as zero. It lists 135 currencies, and its international product runs under an RBI payment-aggregator cross-border licence.

Razorpay also covers UPI, net banking and wallets for domestic buyers, which global gateways handle less well. International payment activation may need separate approval, so confirm the steps with Razorpay support.

Best for: Indian freelancers and stores that sell to both Indian and overseas buyers.

Payoneer Checkout

Payoneer is familiar to freelancers because many marketplaces pay out through it. The Payoneer Checkout plugin lets a WooCommerce store accept payments directly. It reached version 4.0.0 on 28 October 2026 and has 5,000+ active installs.

The listing says it works in 200+ markets with 120+ currencies and offers fee-free settlement into USD, JPY, GBP, HKD and EUR. Payment methods include cards, Apple Pay, Google Pay, Klarna, Affirm, and local options such as iDEAL and Bancontact.

The plugin page does not publish a fee schedule, so ask Payoneer for the rates that apply to your account. The plugin needs WordPress 6.5 or newer and WooCommerce.

Best for: freelancers and agencies who already hold a Payoneer account and want to keep funds in one place.

Instamojo

Instamojo is known for payment links that let a freelancer collect money without building a store. It remains in the guide because many small Indian sellers still use it, but treat it with care for international clients.

The official Instamojo for WooCommerce plugin has 4,000+ active installs and was last updated in May 2024. Its changelog notes a restriction that allows the INR currency only. Instamojo’s own support policy has described international payments as case by case.

Check before you buy: ask Instamojo whether your account can accept foreign cards and currencies today. If you need multi-currency checkout, Stripe, Razorpay or PayPal are safer fits.

How to choose

Start with where your business is registered, because that decides which gateways will approve you and which fee table applies. Then look at where your buyers live and how they like to pay.

A common setup for a WooCommerce store is one card gateway (Stripe or WooPayments) plus PayPal. Indian businesses often pair Razorpay with Stripe or PayPal for foreign buyers. Freelancers who are paid through Payoneer may prefer to keep settlement there.

Run a small test order from a foreign card before launch. Check what your buyer sees, what lands in your account and what each fee line says.

If you sell memberships or courses on a community site, see our guide to memberships and subscriptions in community platforms for how recurring payments fit in.

Frequently asked questions

Which WordPress plugin is best for receiving international payments?

There is no single best plugin. Stripe and WooPayments are common choices for WooCommerce stores because they publish multi-currency support and clear fee tables. PayPal is a useful second option for buyers who prefer it.

Does WooPayments work outside WooCommerce?

No. WooPayments is built for WooCommerce stores. If you are not running WooCommerce, a payment-link service or a different gateway plugin is a better route.

How much does it cost to accept a foreign card?

It depends on your country and gateway. For US merchants, WooPayments lists 2.9% + $0.30 plus 1.5% for international cards and 1% for currency conversion, while PayPal lists 3.49% + $0.49 plus 1.5% for international transactions. Always check your own region’s fee page.

Can Indian freelancers accept payments from overseas clients through WordPress?

Yes, in many cases. Razorpay lists international card payments at up to 3% plus GST, and Stripe and PayPal serve Indian merchants too. Eligibility and activation steps vary, so confirm with the provider.

How can I reduce currency conversion fees?

Price your products in the buyer’s currency where you can, and settle into a currency your account already holds. Payoneer lists fee-free settlement into USD, JPY, GBP, HKD and EUR.

Do I need a separate plugin for subscriptions?

Often yes. WooCommerce PayPal Payments supports subscriptions through WooCommerce Subscriptions or PayPal Subscriptions. Check that your chosen gateway supports recurring billing before you build the product.