Every processor.
Graded on evidence.

PAY.JP is an online card payment API for businesses in Japan. It is run by PAY, Inc. (PAY株式会社) in Tokyo, a wholly owned subsidiary of the listed e-commerce company BASE, Inc. Merchants integrate it with an API, client libraries and mobile SDKs, and accept Visa, Mastercard, JCB, American Express, Diners Club and Discover in Japanese yen, plus Apple Pay and, through API v2, PayPay. Pricing is published in full. As of November 2026 the free Standard plan charges 3.3% on every card brand. The Business plan charges 2.78% for ¥20,000 a month, and the Enterprise plan charges 2.59% on Visa and Mastercard and 2.7% on other brands for ¥50,000 a month. There is no setup fee, no refund fee, and refunds cancel the processing fee. Each payout costs ¥250. Funds are paid slowly by international standards: with the default monthly cycle, a month's sales arrive at the end of the following month, and a twice-monthly cycle is available. PAY.JP signs the card companies' merchant agreements on your behalf as your agent, so you never deal with an acquirer directly. It serves only Japanese companies and residents, and it does not accept adult, gambling, crypto or tobacco merchants. Public review data is thin.

3.3% on the free Standard plan

Month-end close, paid end of next month

InfinitePay

B+

InfinitePay is the Brazilian merchant brand of CloudWalk, a São Paulo payments company founded in 2013 that launched InfinitePay in 2019. Its legal entity, CloudWalk Instituição de Pagamento e Serviços Ltda., is authorised by the Banco Central do Brasil as a payment institution and acquirer, so it signs the merchant agreement itself. Merchants take cards on the R$199 Maquininha Smart terminal, on their own phone through InfiniteTap or Tap to Pay on iPhone, or online through payment links and a checkout API. Pix is free, and so is the business account the money lands in. There is no rent, monthly fee or fixed-term contract. Card rates are published in full and fall across four tiers as last month's card sales rise. As of November 2026, a seller under R$20,000 a month pays 1.37% on Visa and Mastercard debit, 3.15% on a single credit payment and 12.40% on 12 instalments, with every instalment paid out the next business day. Instant payout costs more: 2.29% debit and 5.49% credit. Sellers above R$20,000 a month can choose to wait for instalments and pay much less, from 1.62% on credit. Reclame Aqui gives InfinitePay its top RA1000 rating, and the Central Bank's complaint index for the third quarter of 2026 puts it among the lowest of Brazil's 15 largest institutions. Recurring complaints concern accounts blocked with money inside, which the contract lets InfinitePay hold for up to 180 days after closing an account on suspicion of fraud.

Link: 4.20% credit 1x (D+1); Pix free

Next business day, instalments included

Expert grade B+Read review →

Atome

BNPL Network

Atome is a buy now, pay later (BNPL) provider based in Singapore and sold across Southeast Asia. Shoppers split a purchase into three interest-free payments, or choose a longer plan for a fee. The merchant gets paid the order value less Atome's fee and does not carry the risk if the shopper stops paying. This review uses Singapore as its basis, where the operating company is Apaylater Financials Pte. Ltd., licensed by the Monetary Authority of Singapore (MAS) as a Major Payment Institution. Atome does not publish merchant pricing. Its help centre says there is no setup fee and a per-transaction merchant discount rate (MDR) agreed by quote. The Singapore merchant contract template on its merchant portal, dated November 2020, runs for 12 months and renews automatically. It also adds refund, cross-border and lead-generation fees, lets Atome hold a reserve, and bars the merchant from engaging another BNPL provider without Atome's consent. Atome is part of Atome Financial, a unit of Singapore's Advance Intelligence Group. In September 2026 Grab agreed to buy 60% of Atome Financial for US$1.49 billion. The deal is expected to complete by the third quarter of 2027, subject to approvals. Shoppers rate the Singapore app highly, though a small Trustpilot sample is mostly negative.

Pricing clarity: 2.0
Feature set: 4.0
Ease of use: 3.5

TrueLayer

Bank / A2A Payments

TrueLayer is a London open banking company that sells Pay by Bank: customers pay straight from their bank account through their banking app instead of using a card. Francesco Simoneschi and Luca Martinetti founded it in 2016. It is an authorised electronic money institution with the UK Financial Conduct Authority (FRN 901096), and its Irish subsidiary is a Central Bank of Ireland payment institution that serves the EEA. As of October 2026 the company says it is live in 22 countries, has more than 30 million users and handles over $150 billion a year in payment volume. Its products are one-off bank payments, instant payouts and refunds, recurring payments by variable recurring payment (VRP) or Direct Debit mandate (sold as Bank on File), identity data at sign-up (Signup+) and account data. Its named customers include large merchants such as eBay, Ryanair, Just Eat and Bet365. TrueLayer publishes no prices. Rates are quoted per account, and for merchants using a TrueLayer merchant account its fees come out of that balance each day. One-off bank payments have no card-style chargebacks, which helps merchants and gives customers less recourse; Direct Debit payments are the exception, because they carry the Direct Debit Guarantee. TrueLayer completed its purchase of Zimpler in the Nordics in March 2026 and announced the acquisition of in3 in the Netherlands in May 2026. Its Trustpilot score is poor, but most reviews come from consumers paying through TrueLayer rather than from merchants.

Swept hourly to fortnightly, your choice

Getnet

Getnet is the Brazilian card acquirer owned by Grupo Santander. It was founded in 2003 in Campo Bom, Rio Grande do Sul, bought by Santander Brasil between 2014 and 2019, briefly listed on B3 and Nasdaq in 2021, and taken private again by Santander's payments arm, PagoNxt, in 2022 and 2023. It is authorised by the Banco Central do Brasil as a payment institution and signs the merchant agreement itself. Getnet sells card machines (Get Lite, Get Clássica, Get Smart), Get Tap for Android phones, a payment link, an e-commerce checkout and gateway, recurring billing, Pix and receivables prepayment, with sales paid into its own Get Conta account. Unlike many bank-owned acquirers it publishes rates. The rented-terminal table on its machines page, unchanged since at least January 2026, charges Visa and Mastercard 0.95% on debit and 3.15% on one-payment credit for sellers taking R$10,000 to R$20,000 a month, falling to 0.85% and 2.69% above R$80,000, paid in two business days. A Black Friday promotion running in November 2026, with no published end date, offers smaller sellers the Get Lite machine at 0.99% debit and 2.89% credit; in July the same offer was 1.39% and 3.49%. Clássica and Smart rentals of R$79.90 and R$129.90 a month are waived at higher volumes. Other Getnet pages still show older tables, so check the rate in your own sign-up terms. The accreditation contract has no fixed term and can be ended on 30 days' notice, but it lets Getnet change rates at any time, set reserves unilaterally and hold payouts after the contract ends, for up to 365 days where Getnet terminates it for cause. On Reclame Aqui Getnet holds an Ótima rating, though only 65.3% of complainants say they would do business with it again.

Link: 1.90% debit, 3.50% credit, paid D+30

2 business days on terminals (Get Conta)

Geidea

Geidea is a Riyadh-based payments company that signs up merchants directly, supplies the card terminals and settles card sales into their bank accounts. It also sells a SoftPOS app (Geidea Mobile POS), an online payment gateway, payment links and its own point-of-sale software. This review covers the Saudi business, which is Geidea's home market; it also has sites for the UAE and Egypt. Geidea holds a Payment Institution licence from the Saudi Central Bank (SAMA), and in 2021 it was the only non-bank in the Kingdom with a SAMA acquiring licence. Its merchant terms publish a fee schedule. As of the 17 August 2025 terms, in-store mada payments cost 0.7% below SAR 100 and 0.8% above, capped at SAR 160. Credit cards cost 2.75% + SAR 1. Online, the gateway and payment links cost SAR 499 to set up and SAR 99 a month, with mada at 1% and credit cards at 2.5% + SAR 1. All of these fees are subject to 15% VAT. The contract is less friendly: a two-year term that renews automatically, early-termination fees of up to 24 months, minimum monthly sales per terminal, and the right to withhold funds after you leave.

mada 1%; cards 2.5% + SAR 1 (+VAT)

Next business day to twice a week

Rede

Rede is the merchant acquiring business of Itaú Unibanco, Brazil's largest private bank. It started in 1996 as Redecard, Itaú took it private in 2012, and it has traded as Rede since 2013. The legal entity is Redecard Instituição de Pagamento S.A., authorised by the Banco Central do Brasil as a payment institution in the acquirer (credenciador) category. Rede signs the merchant agreement itself, so there is no reseller or sub-merchant layer between you and the acquirer. It rents out the orange "laranjinha" card terminals, and it also sells a payment-link tool, the e.Rede online API, the Maxipago gateway and prepayment of card receivables. It does not publish its card rates; its own FAQ says they are negotiated per business. It does publish terminal rental prices, which as of November 2026 run from R$19 to R$109 a month. Itaú Empresas account holders can have that rental waived once they bring enough sales volume to the bank. The contract has no fixed term, and either side can end it on 15 days' notice without penalty. Itaú reports that Rede was Brazil's largest acquirer by card volume in 2025. Rede holds Reclame Aqui's top RA1000 rating. It has settled two CADE competition cases, in 2014 and 2018.

Up to 32 days unless agreed (contract)

Niubiz

Niubiz is Peru's largest card acquirer. It was known as VisaNet Perú until February 2020 and is run by Compañía Peruana de Medios de Pago S.A.C. from Miraflores, Lima. It signs merchants directly, rents them POS terminals and also sells an online gateway (Pago Web), payment links, QR acceptance, working-capital loans and a cash-in agent network. It is owned by Peruvian banks and, as of Indecopi's 2021 market study, Visa; BBVA Perú reported a 20.20% stake at 30 September 2025. Niubiz publishes a rate table by business segment, as Peru's central bank requires. Weighted-average rates run from 1.53% to 3.38% on credit cards, 1.79% to 2.73% on debit and 3.88% to 4.03% on foreign cards, with maximums up to 4.95%. Your own rate is agreed when you sign up, and the table does not say whether IGV is included. Terminal rental prices are not published. Its help centre says sales are paid the next business day if your account is with BCP, BBVA or Scotiabank, and in two business days at other banks, though the contract allows up to three. The contract has no fixed term, and either side can end it on 30 days' notice by notarial letter. It lets Niubiz hold suspect transactions, defer payouts by up to 30 days after unremedied fraud, and deduct card-not-present transactions an issuer flags as errors without asking for your documents. Dispute fees run from about $2 to $842 per case, and there are monthly penalty programmes for merchants above dispute or fraud thresholds.

Next business day; 2 days other banks

Bold

Payfac / Aggregator

B

Bold is a Bogotá fintech, founded in 2019, that sells card terminals (datáfonos), payment links, an online checkout and a free business account to small Colombian merchants. You buy the terminal outright, from COP 79,000 for the Bluetooth Neo to COP 399,000 for the Smart Pro with a printer. There is no rental, monthly fee or fixed-term contract. As of November 2026, merchants selling up to COP 10 million a month pay 2.69% + COP 300 on in-person Visa and Mastercard sales and 2.99% + COP 900 online, if they take next-day payouts into a Cuenta Bold. Instant payouts and payouts to other banks cost more. Every rate is quoted before IVA and tax withholdings. Bold.Co S.A.S. signs the merchant agreement as a payment aggregator. A sister company, Bold CF Compañía de Financiamiento, is the licensed acquirer and holds the deposit account. Bold CF is supervised by the Superintendencia Financiera and its deposits are covered by FOGAFÍN. The pricing is unusually transparent for the market and the app ratings are excellent. The merchant terms are the weak point. Bold can freeze a merchant's whole sales balance for an initial 180 days when a dispute or suspected fraud comes up, keep a reserve of 15% to 25% of monthly sales, and change rates on seven days' notice.

From 2.99% + COP 900, before IVA