Every processor.
Graded on evidence.

TouchBistro

POS System

C+

TouchBistro is an iPad-based restaurant point of sale system from Toronto, used by more than 16,000 restaurants and acquired by Constellation Software's Harris division in July 2026. Operators generally like the software. What sinks the grade is the commercial relationship: annual agreements that auto-renew, an F rating with the Better Business Bureau after dozens of unanswered complaints, and a cancellation process that generates more grievances than any other aspect of the product.

SignaPay

ISO

B-

SignaPay is an independent sales organization in Irving, Texas, best known for PayLo, its dual-pricing program that shows a cash price and a card price at the point of sale so the card cost lands on the customer who chose to pay by card. It has held BBB accreditation since 2008 and an A+ rating, but it publishes no rates, and third-party reviewers consistently describe three-year agreements with auto-renewal and an early termination fee.

Pricing clarity

2.0

Feature set

3.5

Ease of use

3.5

SecureGlobalPay

High-Risk Specialist

B-

SecureGlobalPay is a Texas-based merchant account provider specialising in high-risk and hard-to-place businesses — firearms, tobacco and vape, adult, dating, supplements, travel, ticketing, credit repair and collections — across the US, Canada, the EU and the UK. Its BBB record is clean, and it advertises interchange-plus pricing with no long-term contract, but it publishes no actual rates and its independent review footprint is too thin to corroborate much.

PayTrace

Payment Gateway

B

PayTrace is a Spokane-area payment gateway built for businesses that sell to other businesses and to government. Its differentiator is automatic Level 2 and Level 3 data capture, which can qualify commercial and purchasing card transactions for materially lower interchange. It publishes no rate card, and the processing rate you actually pay is set by whichever merchant services provider sells you the account.

Pricing clarity

2.5

Feature set

4.0

Ease of use

3.5

Celero Commerce

Payment Processor

C+

Celero Commerce is a Tennessee payment and business-software company that grew quickly by acquisition and was itself acquired by Deluxe for $625 million in a deal that closed on 31 July 2026. It has genuine scale — Deluxe put the acquired book at more than 55,000 merchant relationships and 130 bank partners — but the Better Business Bureau currently declines to issue it a rating and has flagged a pattern of complaints, and merchants report cancellation fees the company does not publish.

Pricing clarity

1.5

Feature set

3.5

Ease of use

3.0

REPAY

Payment Processor

B

A vertical payments company you probably meet through your software, not through a salesperson. REPAY — legally M & A Ventures, LLC doing business as REPAY, and known in full as Realtime Electronic Payments — was founded in 2006 and is headquartered in Atlanta. It is publicly traded as RPAY and reported full-year 2025 revenue of $309.3 million, split between a Consumer Payments segment at $285.9 million and a Business Payments segment at $48.4 million, with 2026 guidance of $340 to $346 million. Its business is embedding payment acceptance and vendor disbursement inside the software that particular industries already run: consumer lenders, auto dealers and their finance arms, credit unions, receivables management firms, municipalities, healthcare, HOA and property management. The distinctive products are the ones a general processor does not build — Instant Funding, which pushes loan proceeds to a borrower's debit card in real time through Visa Direct, and an AP automation network REPAY says exceeded 602,000 suppliers at the end of 2025. What it does not do is publish a price or serve a walk-up merchant.

NCR Voyix

POS System

B-

The retail and restaurant half of the old NCR. NCR Corporation — founded in 1884 as the National Cash Register Company — renamed itself NCR Voyix in October 2023 when it spun off its ATM business as NCR Atleos, and what remains is a unified commerce platform: Aloha and Counterpoint point of sale, self-checkout, and Voyix Pay processing sold alongside them. The scale is real. NCR Voyix reported 80,000 platform sites and more than 8,500 payment sites at the end of 2025, $1.7 billion of annual recurring revenue, and full-year Software and Services revenue of $1,986 million. The problem is the paper you sign. The published US merchant agreement sets a 36-month initial term that auto-renews for 12-month periods unless you give 60 days' notice, makes cancellation during the term immediately payable for every remaining month, and reserves an annual price increase of CPI plus 5% — with a contractual floor of 5% — that applies during the initial term as well as after it. Buy the platform if the platform is what you need, and negotiate the term before you sign anything.

Leap Payments

ISO

B-

A sales organisation with an unusually good promise and an unusually poor paper trail. Leap Payments sells interchange-plus pricing to every customer and attaches a Lifetime Rate Lock: its own processing, authorization and monthly account fees will not rise for the life of the account, with interchange itself passing through at cost in both directions. That is a better structure than most small merchants are offered, and the company has real standing behind it — it was named the number one MSP/ISO in Elavon's Western Region for merchant activations at Elavon's 2019 conference. The trouble is that you cannot verify anything else. No rate, no markup, no monthly fee and no contract term is published. Sources disagree on whether the agreement is month-to-month with no early termination fee or a three-year term with a $295 exit fee. Its own site says it is a sales office for WorldPay, an FIS Global company — a description stale on two counts by 2026 — while independent reviewers describe it as a registered ISO and MSP of Elavon. And the Better Business Bureau, which the company's marketing history leans on, currently shows no rating at all.

CSG Forte

Payment Processor

B

A biller-focused processor that does ACH properly. Forte Payment Systems was founded in Texas in 1998 and acquired by CSG Systems International on 1 October 2018, becoming CSG Forte; CSG itself was taken private by NEC's Netcracker subsidiary on 14 May 2026, so the parent above this business changed hands very recently. The company says it handles 260 million transactions and more than $195 billion a year for roughly 175,000 merchants, and it sells almost entirely into recurring-billing verticals — utilities, government, insurance, healthcare, property management, telecoms. Two things set it apart. It is a registered acquirer as well as a gateway, operating as an Elavon Payments MSP and a Registered MSP/ISO of Elavon, Inc., Georgia, and it publishes unusually honest documentation of how ACH actually settles, including the awkward fact that standard funding can take up to six business days. Against that, no rates are published, the standard agreement runs three years, and the BBB file shows unanswered complaints and merchants struggling to stop billing after cancellation.