Every processor.
Graded on evidence.

PayTR is a Turkish payment and e-money institution, licensed by the Central Bank of the Republic of Turkey (TCMB). It was founded in 2009 and has its head office in İzmir, with an office in Istanbul. Its main product is a virtual POS (sanal POS) for online shops. A merchant signs one contract with PayTR and can then take cards from all Turkish banks, including instalment sales on the major bank card programmes. PayTR also offers payment links, a marketplace split-payment product, subscriptions, physical and phone-based POS, bank-transfer tracking and carrier billing. Pricing is mostly quote-only. As of October 2026, the only rate PayTR publishes for its standard service is a headline rate starting at 2.19% for single-payment card sales paid out after seven days. Your actual rate and payout term are set in a personal offer, and a longer payout term buys a lower rate. There is no setup, monthly or annual fee. In June 2021 the Competition Authority cleared the acquisition of sole control of PayTR by a company controlled by private equity firm Actera; press reports put the stake at 60%. PayTR says it serves more than 200,000 merchants. Complaint-site ratings are weak: 49 out of 100 on Şikayetvar, the main Turkish complaints platform, as of October 2026. PayTR is for businesses selling in Turkey only.

From 2.19% single payment, 7-day payout

Set in your offer; next day if eligible

GoPay

GoPay is an online payment gateway for e-shops in the Czech Republic and Slovakia, based in České Budějovice. Worldline bought a 53% stake in 2020 and, according to the Czech company register, became sole owner in October 2022. Since 1 April 2025 GoPay has operated as GoPay Czech, the Czech branch of Worldline NV of Belgium, and is licensed by the National Bank of Belgium as a payment institution. As of October 2026 its pricing page offers two plans for new merchants. Both charge a flat 0.95% per card, bank-transfer or QR payment with no fixed fee, after a free introductory period. The Growth plan also has a CZK 80 monthly fee in any month with CZK 50,000 or less in volume. Settlement to your bank costs CZK 10, a chargeback CZK 990 and a refund CZK 5. Your plan price is written into your registration form, and GoPay's terms say an individual agreement overrides its general fee schedule. That schedule, in a version effective 1 November 2026, lists much higher default card fees of about 2.15% to 2.30% + CZK 3 and applies to anything your form does not set. GoPay offers more than 50 payment methods, including Czech bank buttons, QR payments, Apple Pay, Google Pay, PayPal and pay-later options. It says 19,823 merchants use it and that it handled CZK 98.7 billion in 2024. There is no fixed contract term and no cancellation fee. However, the terms let GoPay set reserves at its own discretion and end the contract within three months of signing without giving a reason. Its Trustpilot rating is poor, though from only 26 reviews.

0.95% + CZK 0 on Start/Growth plans

Daily, weekly or monthly (monthly default)

Givelify

B

Givelify is a mobile and online giving app for US churches and nonprofits, run by Givelify LLC from Indianapolis. Donors give by card through a free app or a web giving page. The organization pays nothing to sign up, no monthly fee and no contract. As of October 2026 Givelify takes 2.9% + $0.30 from each Visa, Mastercard and Discover gift and 3.5% + $0.30 from each American Express gift. The rest is deposited the next business day for gifts made before 9 p.m. Eastern. Givelify's terms describe it as a payment facilitator: each organization is a sub-merchant on Givelify's account with Worldpay, and only organizations expected to take more than $1 million a year in card gifts sign Worldpay's sub-merchant agreement directly. The price is simple but card-only. Givelify publishes no bank-transfer (ACH) giving option, so every gift pays the card rate, and a fee-cover option exists in the terms but is off by default. Ratings are strong: 4.9 stars from about 101,800 ratings on the App Store and about 44,100 on Google Play, and an A+ from the BBB with no complaints in three years. In 2016 Pennsylvania's banking regulator fined Givelify $176,000 for unlicensed money transmission. A state appeals court reversed that order in 2019.

2.9% + $0.30; Amex 3.5% + $0.30

Next business day (9 p.m. ET cutoff)

Expert grade BRead review →

Montonio

Bank / A2A Payments

B

Montonio is an Estonian checkout company, founded in Tallinn in 2018, that sells online payments and shipping to small and mid-sized ecommerce stores in Estonia, Latvia, Lithuania, Poland and Finland. It began with open-banking bank payments, where the shopper picks their bank in the checkout and pays straight from their account. It now also bundles card and wallet payments, Inbank-funded pay later and financing, payment links and a multi-carrier shipping module. Its payment services run under a Bank of Lithuania payment institution licence held by Montonio Finance UAB. As of October 2026, Baltic merchants pay a monthly plan fee of €11.99, €14.99 or €39.99 before VAT. On top of that, a bank payment costs €0.05 to €0.20 and an EU consumer card costs 1.29% + €0.20 or 1.49% + €0.25, depending on the plan. In November 2025 Montonio began moving card processing from Stripe to Adyen; under Adyen, daily card payouts arrive two business days after the sale. Montonio says it serves more than 8,000 merchants with a team of about 65, and it is backed by Index Ventures. The price list is unusually complete and the bank-payment rates are low. On the other hand, the plans make card acceptance compulsory below the €39.99 tier, the general merchant terms are not published, and every card dispute costs €20, which Montonio's help centre now says is not refunded even if you win.

Bank €0.05–0.20; EU cards from 1.29% + €0.20

Bank payments direct; cards T+2 days

Expert grade BRead review →

HiPay

Platform / Acquirer

HiPay is a French payment service provider based in Levallois-Perret, outside Paris, that handles online, in-store and marketplace payments for mid-size and large European merchants. Its operating company, HiPay SAS, has been an authorised payment institution under France's banking supervisor, the ACPR, since August 2011, and passports that licence across the EU. The parent, HiPay Group, was spun out of the French digital media company HiMedia in June 2015 and trades on Euronext Growth Paris (ticker ALHYP). It processed €9.55 billion in 2025 for revenue of €74.8 million, and has reported a profit for three years running, though it booked a €1.4 million net loss in the first half of 2026. HiPay publishes no prices: its pricing page sends you to a sales form, and every rate, fee, payout schedule and contract term is negotiated per merchant. What it sells is a single contract covering cards, a long list of European local payment methods such as Bancontact, Bizum, MB Way, Bancomat Pay and Wero, PAX payment terminals and Tap to Pay in store, its own fraud tool (HiPay Sentinel), and a marketplace product built on escrow accounts. Retail is its core, and regulated online gambling is a fast-growing segment. Its Trustpilot score of 1.8 is dragged down by consumers disputing charges from merchants that use HiPay, not by reviews from merchants.

Pricing clarity: 1.5
Feature set: 4.0
Ease of use: 3.0

CoinGate

CoinGate is a crypto payment gateway run from Vilnius, Lithuania, by UAB Decentralized. The company was registered in 2014 as UAB Virtualios Valiutos and began trading in 2015. Customers pay in crypto at checkout, and the merchant settles in euros, pounds, US dollars, a stablecoin or crypto. On 16 December 2025 the Bank of Lithuania authorised it as a crypto-asset service provider under the EU's MiCA regulation and licensed it as a payment institution. As of October 2026 the Standard plan charges 1% per payment with no monthly or setup fee. Crypto and SEPA withdrawals are free, with a 50 EUR minimum withdrawal, and SWIFT withdrawals cost 0.50% with a 50 EUR minimum fee. Automatic settlement runs weekly. Enterprise pricing is negotiated by volume. CoinGate's own pricing policy says the exchange rate on a payment includes a risk margin on top of the 1% fee, and it does not publish the size of that margin. Merchants must be based in a country on CoinGate's supported list, and that list does not include the United States. Trustpilot withholds CoinGate's rating for a breach of its guidelines and says it has removed fake reviews from the profile. Recent one-star reviews there describe payments held for compliance checks.

1% per payment (Standard plan)

Weekly automatic settlement

Toss Payments

Toss Payments is the online payment gateway (PG) business of Viva Republica, the company behind South Korea's Toss finance app. It began as LG Uplus's electronic payments division, which Viva Republica agreed to buy in December 2019. LG Uplus spun the division off as a new company in August 2020, after postponing a planned 1 June split, and it launched as Toss Payments on 3 August 2020. It is headquartered in Gangnam, Seoul, and serves Korean online businesses. It also offers PayPal and overseas-card acceptance for selling abroad. As of October 2026 the published price is 3.4% on credit and debit cards for merchants on the general tier, 2.0% on bank transfers (minimum ₩200) and ₩400 per virtual-account payment, all plus 10% VAT. On top of that comes a ₩220,000 joining fee and a ₩110,000 annual fee. Smaller merchants that qualify under Korean law get preferential card rates applied automatically. Contracts run for two years and renew automatically for two more unless either side gives written notice a month before the end. In July 2026 Viva Republica filed a decision to absorb Toss Payments by merger, with a scheduled merger date of 30 November 2026, subject to regulatory approval. Toss Payments will then cease to exist as a separate company, and its contracts pass to Viva Republica, which said in the filing that it has no plans to change or discontinue the business. It has not said whether the Toss Payments name will continue. In September 2026 Toss Payments disclosed that 4,131 payment records from one merchant had been viewed without authorisation, and the Financial Supervisory Service opened an on-site inspection.

3.4% cards + 10% VAT (general tier)

Within 5 days on average (vendor claim)

Przelewy24

Platform / Acquirer

B

Przelewy24 is a Polish online payment gateway run by PayPro S.A. of Poznań, a national payment institution supervised by Poland's financial regulator, the KNF. The Danish group Nets took control of PayPro in 2019, Nets merged into Italy's Nexi in 2021, and Nexi's June 2025 report lists PayPro as wholly owned. It gives a Polish online shop the payment methods Polish shoppers expect in one integration: BLIK, pay-by-link bank transfers, Visa and Mastercard cards, Google Pay and Apple Pay, plus instalments and buy-now-pay-later through partners. As of October 2026 the standard fee for BLIK, bank transfers and PLN card payments is 1.29% + PLN 0.30 per transaction, with VAT added where the law requires it. There is no monthly fee, refunds are free, and the PLN 59 activation fee is refunded once you complete 10 transactions in your first two months. Funds are available by the end of the next business day, and four PLN payouts a month to a Polish bank account are free. The contract has no fixed term and either side can end it on one month's notice. Pricing and terms are unusually well published. The weak points are payments outside Poland, which cost more and need foreign-currency accounts, broad rights to hold funds (up to 180 days on card transactions under review), a PLN 100 fee it can charge on each chargeback, and a Trustpilot score of 1.3 that is mostly payer complaints but includes merchants describing frozen funds and slow verification.

1.29% + PLN 0.30 (BLIK, transfers, cards)

Next business day; auto at PLN 1,000

Expert grade BRead review →

Primer

Gateway / Orchestration

Primer is a London payments orchestration company founded in 2020 by former Braintree staff Gabriel Le Roux and Paul Anthony. It does not process payments itself. A merchant connects its own accounts with processors such as Adyen, Stripe or Braintree, and Primer sits on top: one checkout and API, a card vault that is independent of any one processor, no-code workflows that decide where each payment goes, automatic fallback to a second processor when the first declines, 3D Secure, network tokens, and reporting and reconciliation across every provider. Newer add-ons include an AI assistant called Companion, a fee breakdown tool called Costs Overview, and Global Accounts for holding and converting currencies, which Primer provides through a partner. Primer publishes no prices. As of October 2026 there is no pricing page; fees are set in a signed order form, charged on billable events such as payments, settled transactions, 3DS checks or workflow actions, and topped up to a minimum commitment if usage falls short. The contract runs for a minimum term and then renews for a year at a time unless you give 30 days' notice. Primer raised a $100 million Series C in May 2026 and says it has raised $174 million in total. It is built for mid-size and enterprise merchants running more than one processor, not for small businesses looking for a first card account.

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