Every processor.
Graded on evidence.

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.

Monthly, within 5 business days of the 1st

Expert grade C+Read review →

NOWPayments

Gateway / Orchestration

NOWPayments is a cryptocurrency payment gateway launched in 2019 by the team behind the ChangeNOW crypto exchange. It lets a business take payments in more than 350 crypto assets through an API, invoices, payment links, plugins, donation widgets, subscriptions and a browser-based point of sale. Each payment can be forwarded to the merchant's own wallet or held in an optional custody balance, which a third-party provider runs. As of October 2026 its pricing page lists a 1% service fee on payments received and settled in the same coin and 1.5% when the payment is converted or taken at a fixed rate, plus blockchain network fees. Payouts and mass payouts carry no service fee, only network fees. There is no monthly fee, setup fee or contract. The operator is FD Transfers LLC, registered in St. Vincent and the Grenadines with a postal address in Tallinn, Estonia. Its Terms of Service, updated 19 October 2026, say (in section 15.1) that the services are not provided to residents or citizens of the United States, the United Kingdom, the European Union, the UAE or Russia, and that the company can close an account at any time without giving a reason. The US, UK and EU exclusion was already in the April 2026 terms; the UAE and Russia were added later in 2026. We found no regulator licence for NOWPayments itself. Trustpilot rates it 4.5 from 1,122 reviews, but 13% are one-star, and some of those describe blocked accounts and withheld funds.

1% same-coin; 1.5% converted, + network fee

After on-chain confirmation, to your wallet

Easebuzz

Easebuzz is a payment aggregator based in Pune, India. It sells an online payment gateway (UPI, cards, netbanking, wallets, EMI and pay-later), payment links, subscriptions and eNACH, split payments, virtual-account collections, payouts, card terminals, UPI soundboxes and cross-border collections, alongside sector software for schools, housing societies, temples, real estate and lenders. The operating company, Easebuzz Private Limited, was incorporated in December 2014 and launched its service in 2016. The Reserve Bank of India's list of authorised payment system operators shows it holding payment aggregator authorisation for online payments (dated 10 February 2025), plus physical and inward-and-outward cross-border payments. Easebuzz is for Indian businesses only: merchants are settled in rupees, including on foreign payments. It publishes no per-transaction rates. Its pricing page says pricing is customised and shared by email after you sign the agreement. GST is charged on its fees. The pricing page promises settlement one working day after the transaction, but the published terms allow up to three working days. Easebuzz reports ₹723 crore of FY26 revenue and a ₹11.15 crore profit after tax, more than 3 lakh merchants and close to US$50 billion in annual payment volume, and says it has been profitable every year. Its Trustpilot profile is small and mostly negative, and merchant accounts on its platform have been caught up in two fraud investigations, an Enforcement Directorate funds freeze in 2022 and a Delhi Police probe in 2024, neither of which has produced a finding against Easebuzz that we could find.

T+1 working day (terms allow up to T+3)

Comgate

Platform / Acquirer

B

Comgate is a Czech payment institution, licensed and supervised by the Czech National Bank, that sells an online payment gateway for e-shops and card terminals for shops and restaurants. Its legal entity is Comgate a.s., registered in Hradec Králové, with a second office in Prague. It is also a Visa and Mastercard card acquirer, so for most merchants the payment contract is signed directly with Comgate rather than a bank. As of October 2026 it publishes full price lists in Czech crowns (and euro lists for Slovakia). On the Easy plan you pay a flat 1% on EU consumer cards and 2% on other cards. On the Profi plan you pay 0.67% + CZK 1 on EU consumer cards, with higher rates for business and non-EU cards. New merchants get introductory rates for three months, and first-time card merchants can use a Start plan that is free up to CZK 50,000 a month for six months. The gateway's CZK 100 monthly fee is waived above CZK 100,000 of monthly volume. Payouts go out every working day, usually the day after the purchase. The contract has no fixed term and can be ended on two months' notice with no fee. Comgate signs merchants based in the Czech Republic and Slovakia; businesses elsewhere are assessed case by case. It accepts Visa and Mastercard, not American Express. Independent review data is thin: Firmy.cz shows 3.3 out of 5 from 57 ratings, and we found no regulatory enforcement naming the company.

Easy 1%; Profi 0.67% + CZK 1 (EU consumer)