Best Perfex CRM Payment Gateways
Perfex CRM ships with a handful of built-in gateways, but the right way to collect money depends on where your clients are and how they prefer to pay. A freelancer billing eurozone retainers needs something very different from an agency invoicing across Latin America, and a card-only checkout quietly loses sales in markets where bank transfers, wallets or cash vouchers dominate.
This guide compares six Perfex CRM payment gateway modules by the two things that actually decide the pick: region and payment type. Three pull money straight from the bank account (SEPA direct debit and GoCardless direct debit), one covers the full Latin American method mix, one adds crypto, and two bring widely used wallet and card rails. Each integrates the same way - add your provider credentials in the module settings, no coding - and each records the payment back against the Perfex invoice automatically, so your books stay reconciled.
Every capability below is drawn from what these modules actually do. Use the picks to match a gateway to your clients, then read the FAQ for the recurring-billing and one-off questions that come up most.
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The cleanest way to collect recurring euro payments. The customer authorizes a SEPA mandate once - entering their IBAN from the client portal or having your team add it on the contact - and Stripe then pulls each invoice automatically when it falls due, with no card to expire and no repeat checkout step. Built on Stripe's Payment Intents API, it lets you choose exactly which contact on a customer record is billed and enable SEPA per invoice.
Best for: Eurozone subscriptions, retainers and any business billing the same clients in euros on a schedule.
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Bank direct debit for both one-off invoices and ongoing subscriptions. Clients can settle a single invoice through the secure GoCardless hosted page without an account, or choose 'Subscribe with GoCardless' on a Perfex subscription to authorize recurring pulls (weekly, monthly and yearly intervals). A built-in webhook creates the matching payment and invoice records, so every charge reconciles itself. Direct debit also dodges the card-expiry declines and higher fees that hit large or repeat transactions.
Best for: Memberships, retainers and subscription billing where you want both one-off and recurring direct debit in one module.
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The gateway for invoicing across Latin America. Mercado Pago covers the local method mix a card-only checkout misses - credit and debit cards, bank transfers and account money (including Pix in Brazil), cash vouchers and bank slips such as boleto, and the Mercado Pago wallet. It reads the currency and available methods from your account, so changing your account's country switches the checkout without reconfiguring the module, and it handles both one-time invoices and recurring schedules.
Best for: Agencies and SaaS vendors billing clients in Argentina, Brazil, Mexico, Chile, Colombia, Peru, Uruguay and beyond.
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Accept crypto without holding crypto. When a client opts to pay in Bitcoin, BitPay locks an exchange rate for a short window, processes the on-chain transaction through its hosted checkout, and settles to you per your BitPay account configuration - so wallet and transaction details never touch your server and you avoid day-to-day exchange-rate exposure. On confirmation the Perfex invoice is reconciled automatically.
Best for: Agencies and software vendors with an international, crypto-friendly client base who want to widen payment options.
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A global digital wallet trusted in more than 100 countries, added alongside your other payment methods. Clients pick Skrill on the invoice and pay via Skrill Quick Checkout - the secure hosted page - using their Skrill balance or a supported card, with multi-currency support for billing international clients. The payment logs back in Perfex and marks the invoice paid with no manual reconciliation.
Best for: International freelancers, agencies and online businesses whose clients prefer paying from a wallet rather than re-entering card details.
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The standout pick for European card payments, and the most feature-complete gateway in this lineup for SMBs that want billing to stay entirely inside the CRM. myPOS adds a native hosted checkout to your invoicing flow: the order total, currency and reference pass over automatically, funds deposit directly to your own myPOS.com merchant account, and the invoice reconciles the moment the card clears - no exported CSVs, no copying figures into a separate dashboard. Crucially, it goes beyond a basic checkout: clients can settle an invoice in instalments with each partial payment recorded against the balance, line-item tax is calculated with a quantity check so multi-unit invoices charge the correct amount, and missing first or last names are handled gracefully instead of breaking the payment. For a European business that lives in Perfex day to day, this is the gateway that keeps the single source of truth intact.
Best for: European SMBs billing card payments across the EEA who want partial payments, accurate multi-unit tax and one source of truth - all inside Perfex.
| Module | Platform | Standard | Rating | Best for |
|---|---|---|---|---|
| Stripe SEPA Direct Debit Gateway Integration for Perfex | CodeIgniter | $39 | ★ 5.00 | Eurozone subscriptions, retainers and any business billing the same clients in euros on a schedule. |
| GoCardless Payment Gateway Integration for Perfex CRM | CodeIgniter | $39 | ★ 5.00 | Memberships, retainers and subscription billing where you want both one-off and recurring direct debit in one module. |
| Mercado Pago Payment Gateway Integration for Perfex CRM | CodeIgniter | $39 | ★ 4.00 | Agencies and SaaS vendors billing clients in Argentina, Brazil, Mexico, Chile, Colombia, Peru, Uruguay and beyond. |
| BitPay Payment Gateway Integration for Perfex CRM | CodeIgniter | $39 | - | Agencies and software vendors with an international, crypto-friendly client base who want to widen payment options. |
| Skrill Payment Gateway Integration for Perfex CRM | CodeIgniter | $39 | - | International freelancers, agencies and online businesses whose clients prefer paying from a wallet rather than re-entering card details. |
| myPOS Payment Gateway Integration for Perfex CRM | CodeIgniter | $39 | - | European SMBs billing card payments across the EEA who want partial payments, accurate multi-unit tax and one source of truth - all inside Perfex. |
The verdict
Pick by your clients, not by brand familiarity. If you bill eurozone retainers or subscriptions, Stripe SEPA Direct Debit gives the most hands-free collection; if you want both one-off and recurring bank direct debit in one module, GoCardless is the broader choice. Invoicing across Latin America makes Mercado Pago close to essential for capturing Pix, boleto, wallets and local cards. BitPay is the add-on for a crypto-friendly client base, and Skrill suits wallet-first international clients in 100+ countries. For European businesses that run day to day inside Perfex, myPOS is the most complete fit - native card checkout, direct deposits to your own merchant account, instalment payments and accurate multi-unit tax, all without leaving the CRM. Several of these can run side by side in the same Perfex install, so the strongest setup is often two: a direct debit gateway for recurring revenue plus a regional or wallet gateway for everyone who pays a different way.
Questions, answered
Which Perfex payment gateway is best for recurring billing and subscriptions?
For euro subscriptions, the Stripe SEPA Direct Debit module is the strongest fit - the customer authorizes a mandate once and Stripe pulls each invoice automatically. GoCardless also drives Perfex subscriptions via bank direct debit with weekly, monthly and yearly intervals, and additionally handles one-off invoices. Mercado Pago supports recurring charges too by handing the schedule to Mercado Pago, which suits Latin American billing.
How do I accept SEPA direct debit or bank payments in Perfex CRM?
Use a direct debit gateway rather than a card processor. The Stripe SEPA module captures the customer's IBAN (entered from the client portal or added by your team) and Stripe collects euro payments straight from the bank account. GoCardless takes payment from the bank account too, sending clients to a hosted page to set up the mandate, and works across one-off invoices and subscriptions. Both pull funds without the customer re-entering details each cycle.
Can I accept cryptocurrency for Perfex CRM invoices?
Yes. The BitPay module adds Bitcoin and BitPay-supported cryptocurrencies as an invoice payment option. BitPay locks an exchange rate, processes the on-chain payment through its hosted checkout, and settles a predictable balance to you per your account configuration - so you can offer crypto without managing wallets or taking on volatility. The Perfex invoice reconciles automatically once the transaction confirms.
Do these payment gateways require coding to set up?
No. Every module here installs and configures like any other Perfex payment method: enter your provider credentials (and, for GoCardless, the webhook URL and secret) in the module settings, enable it, and it appears as an option on your invoices. Sensitive payment data is handled on the provider's hosted checkout, not your server, and successful payments are recorded and reconciled in Perfex automatically.
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