The most visible online payment gateways, October 2026

October 2026 · 15 questions asked in English, worldwide · ChatGPT, Google AI Overviews, Gemini and Google AI Mode · 60 answers read

Leader

PayPal

77Heralded Score, range 68–84

Most cited source

connectpay.com

13citations

From Google AI Mode, Gemini, Google AI Overviews and ChatGPT

Where engines disagree most

They agree

Every engine names the same top three.

Brands

Rank Brand Rank change Heralded Score All AI Search Score trend Mentioned Recommended By engine Mentioned by Change
1 PayPal US New entry 77 , range 68–84 77#1 76#1
77
  • : score 77 · #1
64% 40% First reading
2 Stripe US New entry 75 , range 66–83 74#2 76#2
75
  • : score 75 · #2
68% 32% First reading
3 Square US New entry 69 , range 49–77 67#3 73#3
69
  • : score 69 · #3
51% 28% First reading
4 Shopify Payments CA New entry 53 , range 22–62 42#4 70#8
53
  • : score 53 · #4
26% 17% First reading
5 Helcim CA New entry 48 , range 21–56 35#5 71#6
48
  • : score 48 · #5
22% 11% First reading
6 Adyen NL New entry 47 , range 9–55 32#6 71#5
47
  • : score 47 · #6
19% 10% First reading
7 Braintree US New entry 40 , range 11–51 21#7 71#4
40
  • : score 40 · #7
13% 10% First reading
8 Authorize.net US New entry 36 , range 3–51 15#9 71#7
36
  • : score 36 · #8
13% 7% First reading
9 Klarna SE New entry 34 , range 8–50 17#8 63#9
34
  • : score 34 · #9
16% 2% First reading
10 Stax US New entry 7 , range 2–43 7#10 6#25
7
  • : score 7 · #10
6% 2% First reading

“=” marks brands whose score ranges overlap, so the test cannot separate them. Every brand named in at least three answers is ranked. AI and Search give each brand’s score and rank on that side alone. By engine has one dot per engine (ChatGPT, Google AI Overviews, Gemini and Google AI Mode), darker the more often it names the brand.

Most cited sources

Rank Source Type Cited in Engines Pages cited Brands its pages mention
1 connectpay.com Vendor site 21.7% 4 of 4 6 12
2 wise.com Vendor site 10.0% 3 of 4 3 7
3 valorpaytech.com Vendor site 8.3% 2 of 4 1 4
4 thrivecart.com Vendor site 6.7% 3 of 4 1 6
5 zapier.com Vendor site 6.7% 3 of 4 1 11
6 chargeblast.com Vendor site 5.0% 3 of 4 2 Not read
7 experian.com Vendor site 3.3% 2 of 4 2 Not read
8 finaloop.com Vendor site 3.3% 2 of 4 1 7
9 plaid.com Vendor site 3.3% 1 of 4 1 Not read
10 pnc.com Vendor site 3.3% 2 of 4 2 Not read

Questions asked

QuestionLanguageMost recommended
best payment gateways for small businesses English Helcim, PayPal, Square and Stripe, tied
online payment gateway for ecommerce English Shopify Payments
how to accept online payments on a website English PayPal, Square and Stripe, tied
how to reduce declined card payments online English PayPal
payment gateway fees comparison English PayPal, Square and Stripe, tied

Each engine's top three

Method

Each leaderboard ranks brands on two sides. AI is how ChatGPT, Gemini, Google AI Overviews and Google AI Mode answer the board's buyer questions. Search is Google's top 10 results for the keywords behind those questions. All combines the two, where Search is measured.

For the AI side, each month Heralded asks every engine the same buyer questions, twice each, and reads every answer. An answer counts 0 for a brand it leaves out, 50 for a brand it names and 100 for a brand it recommends, and the Heralded Score is built from those. A brand named in at least three answers gets a score and a place.

How the leaderboards are measured