Introduction: What is a 2D Payment Gateway?

In the ever-evolving world of online payments, speed and simplicity matter. That’s where 2D payment gateways come in. Unlike 3D Secure gateways that require an extra layer of customer authentication, 2D gateways offer single-click checkout without OTPs or redirects. This creates a frictionless payment experience, especially for international businesses or recurring billing setups.

So, if you're running an eCommerce store, digital service platform, or subscription-based website, here’s a curated list of the best 2D payment gateway sites in 2025.

Why Choose a 2D Payment Gateway?

• Faster checkout process
  
  

• Ideal for recurring and subscription billing
  
  

• Supports international cards and high-risk industries
  
  

• No OTP or additional authentication steps
  
  

• Higher conversion rates due to minimal friction
  
  

However, because of the increased risk of fraud, 2D gateways are typically offered to trusted merchants or those operating in high-risk verticals.

Top 2D Payment Gateway Sites in 2025

1. PayCly

Website: https://paycly.com/2d-payment-gateway.php

PayCly provides powerful 2D gateway options for businesses struggling with mainstream processors. With multi-currency support and risk management tools, PayCly is a preferred solution for high-volume merchants.

 Best for: Travel, Dating, Crypto, and IPTV platforms

2. BoxCharge

Website: https://boxchrge.com

BoxCharge specializes in high-risk payment processing and offers 2D gateway solutions with instant approvals. Their system supports global card schemes, real-time analytics, chargeback protection, and is PCI DSS compliant.

Best for: Forex, Nutra, SMM, Adult, and Digital Content businesses.

3. Authorize.Net

Website: https://www.authorize.net
A well-established name in payments, Authorize.Net offers a simple API integration for 2D transactions. Though mostly U.S.-focused, it supports a wide range of card types and has strong fraud filters.

Best for: U.S.-based small to mid-size businesses.

4. Instamojo

Website: https://www.instamojo.com
Instamojo is popular among Indian SMEs and freelancers. It provides 2D payment solutions for low-ticket transactions without additional verification steps.

Best for: Freelancers, Startups, and Indian merchants.

5. eMerchant Broker (EMB)

Website: https://www.emerchantbroker.com
A high-risk processor offering 2D payment gateways with customized fraud detection tools and global acquiring banks. EMB focuses on hard-to-approve merchants.

Best for: Adult, CBD, Tobacco, and Debt Collection services.

What to Look for in a 2D Gateway Provider

Before you choose a gateway, consider these essential factors:

Security Features: Even though 2D gateways skip OTP, ensure PCI-DSS compliance, fraud scoring, and chargeback management.

Global Acceptance: Look for providers who support international cards and currencies.
Integration Flexibility: Choose platforms that integrate with your website, CRM, or mobile app easily.
Recurring Billing Support: If you sell subscriptions, ensure the gateway handles automatic rebills.

Merchant Support: 24/7 support and account management is a big plus, especially in high-risk sectors.

Conclusion: Is a 2D Payment Gateway Right for You?

If your business thrives on speed, seamless checkout, and cross-border sales, then a 2D payment gateway is a strong contender. Whether you're in high-risk verticals or simply need to improve conversion rates, the above-listed providers offer the best in class for 2025.

Still unsure which one to go for? We recommend starting with PayCly or BoxCharge for their expertise in high-risk and international merchant accounts.

Source by : Top 2D Payment Gateway Sites List in 2025: Fast & Easy Payment Solutions for Online Businesses