Every processor.
Graded on evidence.

Payline Data is a Chicago merchant account provider that publishes its whole interchange-plus rate card on its home page: interchange plus 0.35% and 10 cents under $50,000 of monthly volume, sliding to interchange plus 0.15% and 8 cents above $1 million. That alone puts it in a small minority of US processors. It advertises no application fee, no cancellation fee and no term length, does not charge for PCI compliance, and funds next day. It is a registered ISO of Wells Fargo Bank N.A. and Fifth Third Bank N.A., says it serves more than 20,000 merchants, and takes high-risk business including nutraceuticals, subscriptions, firearms, CBD and adult. The complication a reader should know before signing is ownership: Payline was bought by Pineapple Payments in October 2017, and Fiserv bought Pineapple in May 2021, so Payline has been a Fiserv brand for five years. Nothing on Payline's own site says so.

The same published tiers apply to online volume — Payline does not publish a separate card-not-present markup. Interchange and card brand assessments pass through on top, and Payline's calculator adds card brand fees to its estimate.

Next day.

★ 4.2 googleRead review →

Nayax

Nayax is an Israeli payments and commerce platform built for unattended retail — vending machines, kiosks, car washes, laundromats, amusement machines, coffee service and, increasingly, EV charging. Founded in 2005 by Yair Nechmad and David Ben Avi and headquartered in Herzliya, it listed on the Tel Aviv Stock Exchange in May 2021 and on Nasdaq in September 2022. In the second quarter of 2026 it reported revenue of $122.6 million, up 28.2%, on total transaction value of $2.056 billion across 815 million transactions, 1.553 million managed and connected devices and 125,400 customers, at a blended take rate of 2.62%. Its US retail plan is published at $99 a month with no transaction fee on the first $5,000 of monthly volume. Against that: a February 2025 consent decree with the Israeli Competition Authority over its OTI acquisition, a July 2026 cloud security incident, 79 BBB complaints in three years and a 2.2-star Trustpilot.

Not published separately; Nayax's business is overwhelmingly device-based rather than ecommerce.

Weekly on the US retail plan.

★ 2.2 trustpilotRead review →

Electronic Payments

Electronic Payments, Inc. — usually EPI — is a Calverton, New York merchant acquirer founded on 20 May 2000 by Michael Nardy while he was a student at Boston College. It is one of the few mid-sized US acquirers that runs its own stack rather than reselling somebody else's: Cygma, launched in 2023, is EPI's own authorization and clearing platform, and Exatouch, ProCharge, eGiftSolutions and the Vault gateway are in-house products. The company says it processes more than $26.5 billion a year across 60,000+ merchant partnerships and 486 million transactions, and calls itself the 23rd largest US acquirer. It bought UK-based Handpoint in August 2025, adding roughly 100 ISV integrations, 18,000 connected devices and more than $2 billion of annual volume plus reach into Canada, the UK and over 20 EEA markets. Its BBB file is unusually clean — A+, accredited since 2010, four complaints in three years. It publishes no pricing whatsoever.

★ 4.5 bbbRead review →

dLocal

dLocal is an emerging-markets payment platform founded in 2016 in Montevideo, Uruguay by Sergio Fogel and Andres Bzurovski, and listed on Nasdaq since June 2021 as DLO. It exists to solve one problem: a global business that wants to sell in Brazil, India, Nigeria or Indonesia has to accept Pix, boleto, GCash, M-Pesa, UPI and local cards, and settle in currencies with capital controls. dLocal covers 60+ countries and more than 1,000 payment methods through a single integration, and counts Amazon, Shopify, Dropbox, Mailchimp, Shein and Tripadvisor among its merchants. In 2025 it processed $41 billion of total payment volume, up 60%, on revenue of $1.09 billion and gross profit of $403 million. It is also the most legally scrutinised company in this category: two Muddy Waters short reports in late 2022, a reported Argentine government investigation in 2023, a New York IPO-disclosure class action that was dismissed and whose dismissal was upheld on appeal in April 2026, and a separate federal securities case in the Eastern District of New York that is still live.

Enterprise pricing is negotiated and unpublished. dLocal Go, the self-serve product, publishes a country-by-country list: in Latin America, cards run 2.99% in Brazil and Chile, 3.49% in Argentina, 3.99% in Paraguay, 4.99% in Uruguay and 7.99% in Ecuador, with Mexico at USD 0.20 + 2.49% and Colombia at USD 0.20 + 1.99%. Brazilian Pix is 0.99% and boleto is a flat USD 0.50. In Asia, cards are 5.50% in Indonesia and Malaysia; in Africa, 3.90% in Nigeria and 3.90% for Kenyan mobile money. Local tax is charged on top of the processing fee and is substantial — 21% in Argentina, 22% in Uruguay, 19% in Chile and Colombia, 18% in Brazil and Peru, 16% in Mexico and Kenya.

T+3 bank transfers, T+7 cards (dLocal Go).

★ 1.1 trustpilotRead review →

Affirm

Affirm is a buy-now-pay-later provider founded in 2012 by Max Levchin, Nathan Gettings, Jeffrey Kaditz and Alex Rampell, headquartered at 221 Main Street in San Francisco and listed on Nasdaq as AFRM since January 2021. For the fiscal year ended 30 June 2026 it reported $50.2 billion of gross merchandise volume, up 37%, across approximately 571,000 active merchants and 27.8 million active consumers. Merchants integrate Affirm as a checkout option, Affirm underwrites and funds the consumer, and the merchant is paid in full up front minus a fee. Two things make it materially different from card acceptance: Affirm bears the consumer fraud risk on transactions it approves, and the merchant fee is several times a card rate — third-party surveys of mid-market merchants report 2% to 8%, while Affirm's own filings put blended merchant network revenue at 2.3% of GMV in FY2026. Its BBB profile is A+ and accredited; its consumer Trustpilot score is 1.7 across roughly 7,700 reviews.

Affirm does not publish merchant pricing. Its filings state that merchant fees depend on the individual arrangement with each merchant and vary by loan terms and product, and that Affirm generally earns larger merchant fees on 0% APR financing. Two public reference points: Affirm's own merchant network revenue was 2.3% of gross merchandise volume in FY2026 (down from 2.4% in FY2025), and third-party surveys of merchants in the $1-10 million revenue band report per-transaction fees between roughly 4.3% and 8%, with a median around 6%. The gap between those figures is real — the 2.3% is blended across all products including direct-to-consumer Affirm Card volume, while the 6% figure reflects promotional 0% APR financing, which is the product merchants most want.

1-3 business days by ACH.

★ 4.5 bbbRead review →

Xsolla

Xsolla is a merchant of record built specifically for video games, founded in Perm, Russia in 2005 as 2Pay by Aleksandr Agapitov, renamed Xsolla in 2011 and headquartered in Sherman Oaks, Los Angeles since the company moved to California in 2010. It becomes the legal seller of your game or in-game item, which transfers sales tax, VAT, fraud loss and chargeback liability off the developer and onto Xsolla, and it is the dominant option for direct-to-player web shops that route around the 30% mobile app store cut. Its marketing describes a revenue share as low as 5%, with over 1,000 payment methods across 200-plus markets, 130-plus currencies and 25-plus languages. It publishes no full rate card, and its recent corporate history — a 2021 mass dismissal driven by workforce analytics, six former-executive lawsuits since 2019, and a 2024 Bloomberg investigation into more than $100 million moving between company and founder accounts — deserves as much of a developer's attention as the pricing does.

Xsolla's marketing describes a revenue share "as low as 5%", and the only place it publishes an actual number is its Login product page, which states a 5% transaction fee for a custom interface. There is no published rate card for Pay Station or for the merchant-of-record service itself, and commercial terms are quoted per contract. Independent reviewers and developers report that the all-in cost typically lands between 7% and 10% once individual payment method costs, currency handling and optional modules are included. We could not corroborate that range from Xsolla itself and present it as reported rather than established — get the total effective rate for your own mix of markets and payment methods in writing before signing.

Contract-specific. Xsolla shows the next scheduled payout date in the publisher dashboard and states that the schedule follows the terms of the individual contract rather than a published standard. Payout methods are bank transfer and PayPal.

Expert grade B-Read review →

Moov

Moov Financial is a US payments platform for software companies, built by Wade Arnold and Bob Smith out of the open-source moov.io money-movement libraries Arnold began publishing in 2017. It sells one API that accepts cards and bank payments, holds balances in wallets, sends payouts by RTP, FedNow or push-to-card, and issues virtual cards — the full money-movement stack that a vertical SaaS company would otherwise assemble from four vendors. It is the rare payments company that publishes a complete rate card: interchange plus 0.60% and 15 cents for online card acceptance, interchange plus 0.50% and 15 cents for Tap to Pay, 25 cents for next-day ACH, and a $500 monthly minimum with no setup fee. It has raised roughly $77.5 million across three named rounds, with Visa, Andreessen Horowitz, Bain Capital Ventures and Commerce Ventures on the register, and it operates in the United States only.

Interchange plus 0.60% and 15 cents per online card transaction. International cards add 1.5%.

Moov's own send rails are part of the product rather than a settlement schedule: instant payouts run over RTP and FedNow or push-to-card at 0.95% (50-cent minimum, $5 cap), and standard bank payouts run over ACH at 25 cents next-day or 40 cents same-day.

Expert grade BRead review →

Ingenico

POS System

Ingenico is the French payment terminal manufacturer behind a large share of the card readers on the world's counters, founded in Suresnes in 1980 and today selling terminals, SoftPOS and its Ingenico 360 cloud platform through banks, acquirers and ISVs rather than direct to merchants. Its own site claims roughly 3,000 staff across 52 offices in 32 countries, deployments in more than 120 countries, tens of millions of terminals in the field, over 1,000 bank and acquirer clients and 2,500-plus payment applications. It publishes no merchant pricing, because merchants are not its customers. The story of 2026 is financial rather than technical: after Apollo bought it from Worldline in 2022, Ingenico opened talks with its lenders in April 2026 over an interest bill it could not carry, and in August 2026 announced a recapitalisation that converted part of its debt to equity, brought in EUR 150 million of new money from a PIMCO-led group and removed Apollo from the shareholder register entirely.

Ingenico does not process card transactions for merchants and publishes no merchant rates. It sells terminals, terminal software and platform services to banks, acquirers, merchant services providers and ISVs, who set the rate a merchant actually pays. If an Ingenico device is on your counter, the rate came from whoever put it there.

Expert grade B-Read review →

First Card Payments

High-Risk Specialist