Let me know that you have created a wonderful website: excellent design, hand-crafted catalogue, great photos, everything works like a charm. Ale is one “ale” - the client cannot pay for the purchase manually. And the axis is just going. No contract. No payment. Without turning around. Crazy, right?
To make matters worse, the site has a user-friendly, reliable and simple payment system. Such as not to spite a person with folded forms and not to eat half the sum of the appearance of the commission. In this article we will talk about how to use the payment system for your website in 2025, without getting bogged down by complex technical terms.
What is a payment system - a simple explanation
The payment system is an intermediary between the client’s account and your account. Vaughn is in favor of those who spend their money safely and quickly before you. The client presses “Pay” → the payment system checks everything → and transfers the money to your account.
This is the same as an “online cash register” that works 24/7.
What has changed in 2025?
Technologies are developing rapidly. There are a number of important changes, as you know:
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Clients will experience simple payment in 1 click. People don't want to keep the fields soggy for too long. I want Apple Pay, Google Pay, QR code - that's all.
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Mobile payment has become the standard. More than half of payments are made via smartphones.
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Ukrainian services are becoming increasingly better. Now you can set up payments on the website in literally 1-2 years - without a program.
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Integration with the monobank API has appeared - you can make payments simply with an add-on, in a couple of clicks.
The most popular payment systems in 2025
Let's see which payment systems are actually being challenged, and how they differ one after another. Description in simple terms - without technical nuances.
✅ PayPal
The world's most popular system for online payments. Approach if you sell anything overseas (for example, Etsy, eBay, services for foreigners). Minus - not all functions are available in Ukraine. Commissions are not the most acceptable. However, US clients often trust PayPal itself.
✅ Stripe
Love programs and startups. A very flexible service that supports a variety of payment types, including “Buy Now Pay Later.” It does not work officially in Ukraine, but it can be arranged through intermediaries. Suitable for international projects.
✅ LiqPay
Payment system for PrivatBank. If you have clients in Ukraine, this is one of the most convenient options. Works with bank cards, supports stitching, and has a simple ceramic panel.
✅ Fondy
The current Ukrainian payment system is used to rob small and medium-sized businesses. Shvidko connects, supports a variety of currencies, mobile phones, and multiple clicks. Online stores, delivery services, schools, etc. are often used.
✅ WayForPay
Another Ukrainian service. Simple setup, manual analytics, the ability to form sections and create payment pages without a website. Good for small businesses and services.
✅ monobank API
If your clients are monobank fans (and there are many of them), you can integrate the API to make payment as straightforward as possible. For example, you send a message to the client, he opens it - and simply confirms the payment in addition to monobank. No cards, no data entry.
✅ Payoneer
Tse shvidshe gamanets, nizh payment system for the site. Very handy for freelancers who work with foreign clients. You can cancel payments from Amazon, Upwork, etc. However, accepting payments on the site is not the best option.
Update of payment systems - briefly in the table
| Payment system | How does one accept payment? | Commission | Security | Ease of connection | For whom will you go? |
| PayPal | Cards, accounts | ~2.9% + $0.30 | Visoka | Middle | Sales outside the border |
| Stripe | Cards, mobile cards | ~2.9% + $0.30 | Visoka | Visoka | IT, SaaS, international |
| LiqPay | Cards, Privat24 | ~2.75% | Visoka | It's very simple | Ukrainian market |
| Fondy | Cards, Apple/Google Pay | ~1.5–2.5% | Visoka | It's very simple | Online stores |
| WayForPay | Cards, accounts | ~2–2.5% | Visoka | Easy | Small business |
| monobank API | monobank | Lie down API | Visoka | Required dispenser | For mono clients |
| Payoneer | Bank transfers | Lie near the edge | Visoka | Not for websites | Freelancers |
What should you pay attention to when choosing a payment system?
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Who is your client?
If you are Ukrainian, choose local systems. Whether Europe or the USA - think PayPal or Stripe. -
How do your clients pay?
If you're more interested in using your phone, please use Apple Pay or Google Pay. -
What stitching is required?
For example, LiqPay and monobank already allow you to connect the line-up directly on the website. -
Is it easy to connect?
If you are not a technical person, it is better to buy systems with ready-made modules for WordPress , Shopify or other CMS. -
Commission and minimum payment
In some systems there is a commission or minimal withdrawal amounts. Read carefully.
Visnovki - smut in your own words
In short: when using the payment system, think not only about yourself, but about your clients. If you know that you have a great product, if it’s not easy to pay for it, the client will simply go to the competitor.
In 2025, there will be no options - both international and Ukrainian. Golovne - don’t be afraid, try, protest and convert those that suit you.
💡 Glad to see “people who have already stuffed ghouls”: it’s better to include a number of options here. For example, LiqPay + WayForPay. So you don’t lose the client through those that “don’t work” or the payment method doesn’t suit him.
