Every processor.
Graded on evidence.

wallee

Payfac / Aggregator

B-

wallee is a Swiss payment platform run by Wallee Group AG from Winterthur. It sells online checkout, payment links, subscriptions and Android card terminals from one portal. Merchants can connect their own acquirer, or use wallee All-in-One, where wallee itself signs the acceptance contract as a payment facilitator. Wallee Group AG does this for Swiss merchants, and its Luxembourg e-money subsidiary, Wallee Europe S.A., does it for merchants in the EEA. The Swiss price list (November 2026, excluding VAT) has three plans. Terminal Only costs CHF 0 a month and CHF 0.03 per terminal payment. Basic costs CHF 19.95 a month and CHF 0.20 per online payment. Business costs CHF 69.90 a month and CHF 0.12 per online payment. Processing fees come on top, and the list gives indicative rates of 1.55% for Visa and Mastercard and 1.3% for TWINT. The platform is month to month. The All-in-One acceptance terms, however, only let a merchant give notice after three years and require it to process exclusively through wallee in the meantime. Terminal service subscriptions and rentals run for 12 months and renew automatically. In 2024 the German payments firm VR Payment announced an equity stake of undisclosed size. Public reviews are few and mostly negative.

Quickpay

Gateway / Orchestration

B

Quickpay is a Danish payment gateway based in Aarhus that connects webshops to card acquirers, wallets and other payment methods. It launched in December 2004 and has been part of the German payments group Unzer since 2021, but it is still sold under its own name. Quickpay says more than 30,000 webshops use it and it handles more than 4 million transactions a month. Pricing is published. As of November 2026 the European price list is EUR 7 a month plus EUR 0.10 per transaction, with Visa and Mastercard acquiring through Quickpay from 1.35% (minimum EUR 0.10) + EUR 0.03. The Danish list is DKK 99 a month plus DKK 0.25 per transaction. All prices exclude VAT. Card acquiring is not done by Quickpay itself. Its standard terms say the merchant contracts separately with an acquirer, and its default acquirer is Clearhaus, a Danish-licensed acquirer that Unzer bought at the same time. There is no contract term: you can cancel at the end of any month. Merchants can also connect their own agreements with Nets, PayPal, Klarna, ViaBill, Trustly and others for an extra EUR 4 a month. Trustpilot reviews are mostly positive, but about one in eight is one-star, mainly about integration, onboarding checks and slow support.

DOKU

Payfac / Aggregator

B-

DOKU is one of Indonesia's oldest online payment companies, run by PT Nusa Satu Inti Artha from Jakarta since 2007. It takes rupiah payments by card, bank virtual account, QRIS, e-wallet, convenience-store cash, pay-later and direct debit, and also sells payouts, bank account validation and wallet infrastructure. DOKU says Bank Indonesia licenses it as a Category 1 payment service provider. As of November 2026 its pricing page lists cards at 2.8% + IDR 2,000, virtual accounts at IDR 4,000 and QRIS at 0.7% above IDR 100,000, all before VAT, with no setup or monthly fee. Most merchants sign up under DOKU's own aggregator arrangement, so DOKU signs the merchant and settles the money, usually one to four working days after payment depending on the method. In September 2026 DOKU rebranded as "DOKU by Antom" after Ant International's payments arm deepened its investment. Corporate filings reported by DealStreetAsia show a company majority-owned by an Ant International holding company holding 92.47% of DOKU's operating company, though search-engine copies of the same report gave 99.54%. The weak points are that DOKU publishes no Indonesian merchant agreement, existing merchants may be on different QRIS fees from those on the website, and there is little public merchant feedback to judge its support by.

Seamless Chex

Bank / A2A Payments

B-

Seamless Chex (styled SeamlessChex) is a US payments company that sells eCheck and ACH processing under its own platform and places credit card merchant accounts with partner banks, with a strong focus on high-risk and hard-to-place businesses. The company says brothers Evan and Jonathan Albert founded it in 2012, and New York state records show its original entity, Seamless Checks, LLC, was formed there in April 2012; its site now gives a Miami, Florida address. It runs three product lines: Seamless Chex for eCheck processing, Seamless ACH (renamed from Paynote in June 2026) for Plaid-verified ACH debits, same-day ACH and instant payouts, and Seamless Merchant for card processing. Pricing is quoted per account. As of November 2026 its own pages say high-risk card processing typically costs 2.95% to 5.5% and ACH and eCheck usually cost under 2%, with rolling reserves of 5% to 20% common on new high-risk card accounts. The site repeatedly says there are no long-term contracts or cancellation fees, but its published Terms of Service set a two-year initial term that renews automatically for a year at a time. It is BBB accredited with an A+ rating and a 4.8 TrustScore on Trustpilot.

RocketGate

Gateway / Orchestration

B-

RocketGate is a payment gateway that has run since at least 2007 and is now operated by RocketGate PR, LLC from Dorado, Puerto Rico. In 2026 it rebranded itself as a 'payment performance platform'. It does not sell you a merchant account and does not move your money. You bring one or more merchant accounts from acquiring banks, and RocketGate routes each transaction between them. It splits traffic, cascades declines from one account to another, retries failed renewals and fails over when an acquirer goes down. Most of what it sells is aimed at subscription businesses, especially in high-risk verticals. It names adult, dating, AI, peptides and gaming. Its toolset covers recurring billing with trials and upgrades, account updater, network tokens, 3DS, Verifi RDR and CDRN, Ethoca alerts and fraud scrubbing. It publishes no prices: as of November 2026 rates are quoted per account, and the site carries no merchant agreement. Public reputation data is thin. There is no BBB rating and no complaints on file. Its Trustpilot page has three one-star reviews, all from cardholders rather than merchants. We found no lawsuit or regulatory action naming RocketGate.

Pricing clarity

2.0

Feature set

4.5

Ease of use

3.0

Fiuu

Platform / Acquirer

B-

Fiuu is a Southeast Asian payment gateway and merchant acquirer based in Shah Alam, Selangor. Until March 2024 it traded as Razer Merchant Services, and before that as MOLPay. It is a subsidiary of the gaming company Razer Inc. Fiuu is registered with Bank Negara Malaysia as a non-bank merchant acquirer, and it acquires Visa, Mastercard and JCB transactions directly. One integration gives a merchant cards, FPX online banking, DuitNow QR, the main Malaysian e-wallets, buy now, pay later and cash payments at 7-Eleven. Fiuu also sells Android payment terminals and a phone app that takes Tap to Pay. Its self-serve Malaysian plan, Fiuu Booster, has a published rate card. As of November 2026, local credit cards online cost 2.00% + MYR 0.45 and FPX costs 1.00% with a MYR 1.20 minimum. The MYR 999 sign-up fee and the first year's MYR 99 annual fee are waived. The weaknesses are in the terms. Card money settles weekly, on Thursdays. The agreement runs 12 months and renews automatically. If no security deposit was taken, money Fiuu owes you on exit is paid six months after termination.

Moniepoint

Platform / Acquirer

B

Moniepoint is a Nigerian business banking and payments group, founded in 2015 as TeamApt and renamed Moniepoint in January 2023. A merchant opens a free business account with Moniepoint Microfinance Bank, which the Central Bank of Nigeria (CBN) licenses. It can then order a card terminal that also accepts bank transfers. Its sister company TeamApt Limited holds a CBN switching and processing licence and runs Monnify, the group's online payment gateway. As of November 2026 Moniepoint's own pages show a POS payment fee of about 0.5%, charged in ₦1,000 bands and capped at ₦100, plus 7.5% VAT, and a one-off ₦21,500 charge to get a terminal. Monnify charges 1.5% capped at ₦2,000 for local cards, USSD and bank transfers, and 4% for international cards, all excluding VAT. POS payments land in the merchant's Moniepoint account immediately, and Monnify settles the same day by 10pm. Moniepoint calls itself Nigeria's largest merchant acquirer and says it handles 8 in every 10 in-person payments in the country. Its business app has 4.6 stars on Google Play from about 272,000 ratings. However, Trustpilot reviews are split between five stars and one star, mostly over stuck transfers and blocked accounts. In April 2024 Moniepoint was one of several fintechs that paused new account opening for about five weeks after a CBN directive, according to TechCabal and Nairametrics.

Epoch

Payfac / Aggregator

B-

Epoch is an online billing company that has processed payments for subscription and digital-content websites since 1996, and it has long served the adult entertainment industry. It calls itself a Visa and Mastercard payment facilitator. Merchants do not get their own merchant account: Epoch runs the payment pages, stores card data and handles cancellations and billing questions 24 hours a day. "Epoch.com", not the website's name, is what shows on the customer's card statement. As of November 2026, its published pricing is a single all-in percentage of sales. New accounts start at 15%, and the rate steps down to 13.25% as average weekly volume rises. There is no transaction, monthly or setup fee. A refund costs $1, a chargeback costs $12.50, and digital-content merchants based in the US or EU pay a $1,950 card-network registration fee each year. Epoch says it holds no reserve and takes no security deposit. It accepts merchants only from the US and from countries in the card networks' Europe region. It does not publish its payout schedule or contract length. Epoch.com, LLC is a defendant in a proposed class action filed in October 2025 by plaintiffs who allege they were trafficked by GirlsDoPorn, a former Epoch client. The court dismissed the first complaint with leave to amend, an amended complaint is pending, and no liability has been found.

Antom

Platform / Acquirer

B-

Antom is the merchant payments brand of Ant International, the Singapore-based company that runs Alipay+, WorldFirst and Bettr. It acquires card and wallet payments for online and in-store merchants through its own licensed companies in Singapore, the UK, the EU and the US. It says it supports more than 300 payment methods in over 200 markets, with unusually deep coverage of Asian e-wallets such as Alipay, GCash, DANA, Kakao Pay and Touch 'n Go. Around that sit hosted checkout, embedded payment elements, payment links, subscriptions, usage-based billing, invoicing, tax tools, fraud screening and a payment orchestration layer. Antom does not publish its processing rates. Larger merchants negotiate a contract, and Shopify and WooCommerce merchants sign up online at a rate Antom does not show publicly. Its published terms let it hold a reserve and a rolling reserve at its discretion, and keep collateral for at least 180 days after the account closes. Its US company, AUS Merchant Services (formerly Alipay US), agreed in July 2026 to pay an $85 million criminal penalty and forfeit $190 million under a non-prosecution agreement with the US Department of Justice. The agreement resolved allegations under the federal Food, Drug, and Cosmetic Act, and AUS admitted anti-money-laundering failures that let some Alibaba.com merchants use its services to sell prohibited products, including pharmaceuticals, into the US. Independent merchant reviews are too few to judge. This review is written for online businesses selling across borders, particularly into Asia, and contracting with Antom's Singapore company or one of its US, UK or EU companies.