Best B2B B2C payment integrated

Hi,

That's a though question on several levels:
- We don't know the location of the headquarters of each payment gateway available for HikaShop.
- Most of the payment gateways are based primarily either in the EU or the USA.
- The ones not located in either are usually payment gateways operating on the local level. I could for example tell you that WestPac is the best one, as it is based in Australia, but you would only be able to use it if you were based in Australia... So it wouldn't help if your customer isn't from there. And the answer might change for each country.
- The best ones that I could test myself are usually based either in Europe or the USA.
- We're not developing ecommerce websites ourselves besides hikashop.com and for hikashop.com we used a payment gateway based in Europe and one based in the USA in order to cover all possible situations. So we don't have a lot of experience with payment gateways outside the EU/USA.

First, you'll have to see which payment gateways can be used in your country which are not based in the EU or USA. That will already reduce A LOT the possibilities.

Hi,

The cheapest we know of ourselves is SIPS ATOS. It's available for French banks. You negotiate directly with your bank and if you have a business model which fits their statistics, you can get rates as low as 0.5% per transaction (for european transactions, and 1% for outside EU transactions).
The most complete, is a complex question as it depends on your needs. PayPal is pretty complete with all its APIs. The Adaptive API for example, which allows to pay directly and automatically the vendors of a single payment made by the customer, is really nice for a multivendor store, and not a lot of payment gateways do that. It also have a lot of settings, features in the backend merchant interface. Among the ones I tested, that's the one I preferred regarding the completeness.
Regarding the reliability, any big payment gateway will be reliable. They have programmed shutdowns of all or part of their services for maintenance, but it's usually smooth sailing.