Every processor.
Graded on evidence.

Network International is a Dubai-based payments company. It acquires card payments for merchants in the UAE through its own N-Genius POS terminals, SoftPOS apps and the N-Genius Online gateway, and it processes cards for banks across the Middle East and Africa. The company was set up in 1994 as a subsidiary of the bank group now called Emirates NBD. It listed in London in 2019, was taken private by a Brookfield-led group on 17 September 2024, and merged with the UAE payments company Magnati on 1 October 2025. Network said then that the two brands would co-exist for the time being, and Network International is still sold under its own name as of October 2026. Merchant pricing is not published: you get a quote, and the merchant agreement adds fees on top of the per-transaction rate, such as terminal rent, a minimum-volume fee for months with card sales of AED 20,000 or less and a fee for daily statements. All fees are charged plus 5% VAT. The UAE merchant agreement (February 2025 version) is strict. It runs for 36 months, renews automatically for another 36 unless you give three months' notice, makes Network your exclusive provider, and charges a business that leaves early at least AED 25,000. Network can also hold settlement funds for up to 540 days after delivery or termination. The product range is broad and support runs 24/7 in the UAE. However, all 22 Trustpilot reviews are one-star, and they mostly describe hidden charges and held funds.

Pricing clarity: 2.0
Feature set: 4.5
Ease of use: 3.5

Coinbase Business

Coinbase Business is the crypto business account from Coinbase, Inc., and since 31 March 2026 it is how a merchant accepts crypto through Coinbase. Coinbase Commerce, the self-custodial checkout Coinbase ran from 2018, was folded into it and its portal closed on that date. Coinbase Business takes stablecoins only: customers pay in USDC on Base, Ethereum, Polygon, Optimism, Arbitrum and (per the product page) Avalanche, or in USDT on Ethereum, and the money lands as USDC in a custodial account that Coinbase holds for you, usually within seconds. There are payment links, invoices, a Checkouts API with refunds, and payouts. Stablecoin payments are final, so there are no chargebacks. You can hold USDC and earn a variable reward, listed at 3.60% APY in October 2026, or convert it to dollars and withdraw to your bank. As of October 2026, only businesses with a legal entity in the US or Singapore can open an account. The biggest weakness is price. Coinbase announced a 1% fee on payment links in October 2025 and keeps 1% for merchants who moved over from Commerce, but its public pages now say only that a fee applies to each completed payment and that you must sign in to see it. Converting USDC to dollars automatically also costs an unpublished fee. Coinbase can close an account at its sole discretion without giving a reason.

Seconds, as USDC in your Coinbase account

Asaas

B

Asaas is a Brazilian billing and payments platform for small businesses and self-employed sellers, based in Joinville, Santa Catarina. It lets a business issue charges by Pix, boleto and card, send payment links, run subscriptions and instalment plans, chase late payers and issue service invoices from one free digital account. There is no monthly or setup fee. As of October 2026 its standard prices are R$1.99 per Pix or boleto payment received and R$0.49 + 2.99% for a single-payment credit card charge, rising to R$0.49 + 4.29% for 13 to 21 instalments. New accounts get lower prices for their first three months. The catch is timing: card money arrives up to 32 days after the sale, and each instalment arrives 32 days apart, unless you pay to anticipate it. Card anticipation costs 1.25% a month on single payments and 1.70% a month on instalments, subject to credit approval. Asaas has been a Banco Central do Brasil-authorised payment institution since June 2021, and a sister company in its group holds a finance company (SCFI) licence. It is not itself a card acquirer: card payments run through acquirers behind it, with Asaas holding the merchant relationship. It is founder-led and backed by BOND, SoftBank and others. Its Reclame Aqui rating is Ótima (great), but recent complaints centre on blocked accounts and withheld balances.

Credit R$0.49 + 2.99%; Pix R$1.99

Pix instant; boleto D+1; credit D+32

Expert grade BRead review →

Paysera

Paysera is a Lithuanian electronic money institution, run from Vilnius, that combines a business payment account with online payment collection (Paysera Checkout), in-store card acceptance through its Paysera POS cash register, and an event ticketing platform. Its contracting company, Paysera LT, UAB, has held electronic money institution licence No. 1 from the Bank of Lithuania since 27 September 2012; the company says its story began in 2004. Pricing is published in full on its Lithuanian fees pages, in euros. As of October 2026, online card payments with EU-issued consumer cards cost 1.45% falling to 1.25% with volume, with a €0.15 minimum. Bank payments through Checkout Modern carry no Paysera commission in Lithuania, Latvia and Estonia, and Checkout Classic bank-link payments cost 0.50% to 0.90% with a cap per payment. A business account costs €5 a month in most SEPA countries. There is no fixed contract, but card income is held in full for three days and 5% is kept for three months. Card processing is resold through a partner acquirer (the current terms name Adyen as an example). The Bank of Lithuania lists eight sanctions against Paysera LT, including a €370,000 anti-money-laundering fine from 2020 that Lithuania's top administrative court upheld in March 2026, a €400,000 fine in September 2025 and a €362,000 periodic fine in June 2026.

EU cards 1.25–1.45% (min €0.15)

Card funds held 3 days; 5% for 3 months

HyperPay

Gateway / Orchestration

HyperPay is a payment gateway headquartered in Riyadh, Saudi Arabia, that lets online businesses in Saudi Arabia and several other Arab markets accept cards, wallets and local payment methods through one integration. Its gateway supports mada, Visa, Mastercard, American Express, Apple Pay, STC Pay, UnionPay, Tabby, Tamara, SADAD and PayPal, according to its own site. The business began in Amman, Jordan, as Gate2Play, founded by Muhannad Ebwini, who still runs it; HyperPay says it has processed online payments since 2014. It is backed by investors including Mad'a Investment Company and Mastercard, which led its $36.7 million round in 2022. In January 2025 the Saudi Central Bank (SAMA) licensed its Saudi entity to provide payment services through an electronic wallet, and HyperPay says it holds Saudi Payments certification as an eMSP payment gateway for mada. HyperPay publishes no prices: its FAQ says pricing depends on your country of registration and sends you to its sales team. Its own payments page says it refers each merchant to a partner bank to open the merchant account, and its FAQ says settlement follows that merchant agreement with the acquiring bank. No merchant terms, settlement times or fee schedules are public, and there is very little independent merchant feedback to judge service by.

Pricing clarity: 2.0
Feature set: 4.0
Ease of use: 3.0

Culqi

Culqi is a Peruvian card-acceptance brand for small and mid-sized businesses, sold through POS terminals (CulqiFull), an online checkout (CulqiOnline) and payment links (CulqiLink). Credicorp's Grupo Crédito bought 91.36% of it in January 2019 and now owns all of it, and since 2026 Culqi presents itself as part of Banco de Crédito del Perú (BCP): its merchant contracts are now signed with BCP itself, acting as payment facilitator or acquirer. As of October 2026 the published list rates are 3.44% for Peruvian cards and digital wallets on the POS, 3.99% for foreign cards, and 3.44% + US$0.20 for Peruvian cards online. The pricing page says the commissions are not subject to IGV and vary with sales volume. There is no monthly fee, and online sign-up costs nothing; POS terminals are bought outright from S/85 to S/319 depending on model, tax ID type and bank. POS sales made before 4 p.m. are paid out the same evening at selected banks, with weekend and holiday payouts only into a BCP account, for a fee unless a promotion waives it. Online sales pay out in two business days. The contract has no fixed term and either side can end it on 15 days' notice, but it lets BCP hold unpaid funds for up to 90 business days during an investigation and change fees on seven days' notice; a separate BCP acquirer contract allows holds of up to 180 days. We found no regulatory action naming Culqi, and little independent review data.

3.44% + US$0.20 (Peruvian cards)

POS same day; online 2 business days

Ziina

B

Ziina is a Dubai payments app for UAE freelancers and small businesses, run by Ziina Payment LLC under licences from the Central Bank of the UAE (CBUAE). It started in 2020 as a consumer app for paying friends with a phone number. It now sells payment links, an online payment gateway with Shopify and WooCommerce plugins, QR and NFC acceptance, and Tap to Pay on iPhone and Android. Pricing is published, and as of October 2026 a business pays 2.6% + AED 1 on every payment it receives, whatever the method. International cards and non-AED currencies cost an extra 1.5%, and 5% VAT is added to the fee only. There is no monthly fee, setup fee or contract. Funds land in a Ziina wallet and are cashed out to a UAE bank account once a day, within two business days for amounts under AED 25,000, according to Ziina. Cash-outs are free until 31 October 2026 and cost AED 1 each from 1 November 2026. Ziina signs up each business directly under its own terms, so approval is fast. The trade-off is that those terms give it wide powers to hold settlement and close accounts. Ziina's own FAQ says it may hold funds for 45 to 120 days when it terminates an account, and in 2026 a run of Trustpilot reviews describes exactly that.

2.6% + AED 1, plus 5% VAT on the fee

Up to 2 business days under AED 25,000

Expert grade BRead review →

Stancer

Platform / Acquirer

Stancer is a French payment institution about 90% owned by iliad SA, the telecoms company behind Free. It is authorised by the ACPR as a payment institution, including for acquiring, and acquires card payments itself, so the merchant contract is with Stancer rather than a bank. It sells to French small businesses through a payment terminal, Tap to Pay on iPhone and Android, payment links and an online checkout API, and it also handles SEPA Direct Debit. Pricing is published and low. As of October 2026 (live pricing page and Pricing Conditions dated August 2024), French CB cards and Visa and Mastercard cards issued in the EEA cost 0.7% + €0.07 on Stancer's terminal, with no fixed fee under €7, and 0.7% + €0.15 for Tap to Pay, links and online payments. Visa and Mastercard cards issued outside the EEA cost 2.5% plus a fixed fee. All prices exclude tax. There is no setup fee, no monthly fee and no fixed term, and the terminal is free in a month with more than 150 transactions on it (the product page says 150 or more), or €15 a month otherwise. The trade-offs are real. Funds reach your bank within seven working days rather than the next day, and faster payout costs 2% of the amount. Stancer does not accept American Express, chargebacks cost €25 on Visa and Mastercard, and the contract makes you pledge a cash collateral that it can top up from your balance and keep for 13 months after you leave. Trustpilot reviews are split, with complaints about frozen funds and slow support.

0.7% + €0.15 (EEA cards, ex. tax)

Within 7 working days

Paymentwall

C+

Paymentwall is a San Francisco payments company, founded in 2010, that lets online businesses selling digital goods and services take cards and, by its own count, more than 150 local payment methods such as e-wallets, bank transfers, prepaid cards and cash options. Merchants contract with Paymentwall Inc., which collects payments through its own acquiring and payment-method partners and then pays out what is left after its revenue share and other deductions. As of October 2026 Paymentwall publishes no price list: the pricing page its terms still point to has returned a 404 since at least December 2025, so rates are quoted per account. The terms are restrictive for a small business. The agreement runs for one year and renews automatically. Payouts go out once a month, with a $100 minimum, and many payment methods pay Paymentwall on Net 30 terms or longer. A rolling reserve starts at 5% of gross sales and is released after six months, and Paymentwall can delay payment for up to six months after termination. Its terms send unresolved complaints to the UK Financial Ombudsman Service. The BBB rates Paymentwall A+ and it is BBB-accredited, while Trustpilot shows a 3.0 score, with many negative reviews from shoppers whose purchases or accounts were blocked pending identity checks.