TimeSolv
Payment Processor- Pricing clarity
- 2.0
- Feature set
- 5.0
- Ease of use
- 4.0
★ 3.8 trustpilotRead review →
Every processor.
Graded on evidence.
We grade payment processors on pricing transparency, features, support and contract terms — then publish the reasoning behind every grade.
- Reviewed
- 38Reviewed
- Company types
- 6Company types
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Top rated
Highest-graded processors
Ranked by grade, then by average category score.
| # | Processor | Grade | Online rate | Read review |
|---|---|---|---|---|
| 1 | Zen Payments | A+ | 2.9% + .10 | Read review → |
| 2 | Payment Cloud | A+ | Estimated: 2.5% – 3.5% + $0.20–$0.30 for low-risk e-commerce; 3.5% – 5.0% + $0.30 for high-risk e-commerce. | Read review → |
| 3 | PayKings | A+ | Interchange + 0.80% - 1.10% + $0.10 - $0.25 per transaction | Read review → |
| 4 | Stripe | A | 2.9% + $0.30 | Read review → |
| 5 | Square | A | 2.9% + $0.30 | Read review → |
The directory
Browse every review
B+
Durango Merchant Services
Payment ProcessorDurango is a veteran, boutique high-risk payment processing specialist that serves as a trusted lifeline for businesses rejected by mainstream processors, but lacks enough reviews to make a confident assessment on the quality of the services.
Payout
Typically 2–3 business days
★ 4.7 googleRead review →
Nuvei
Payment ProcessorNuvei is a Montreal-based global payment technology company founded in 2003 that offers 700+ payment methods across 200+ markets and deep vertical expertise in iGaming, fintech, and high-risk sectors — but carries meaningful risks around contract terms, pricing transparency, and customer support quality.
Payout
2 - 7 day depending on market and agreement
★ 1 bbbRead review →
Checkout.com
Payment Processor- Pricing clarity
- 1.0
- Feature set
- 5.0
- Ease of use
- 3.0
★ 4.6 trustpilotRead review →
Lightspeed
POS SystemLightspeed Commerce is a global cloud-based POS and commerce platform that provides retail, restaurant, and ecommerce businesses with integrated payments, inventory management, analytics, and omnichannel selling tools.
- Pricing clarity
- 3.0
- Feature set
- 5.0
- Ease of use
- 4.0
★ 4.2 trustpilotRead review →
PayKings
High-Risk SpecialistPayKings is a specialized payment processor offering tailored solutions for high-risk industries with a strong emphasis on fraud prevention.
Online rate
Interchange + 0.80% - 1.10% + $0.10 - $0.25 per transaction
★ 4.7 googleRead review →
Shift4
Payment ProcessorShift4 Payments is a full-service payment processor and POS provider specializing in integrated commerce solutions for restaurants, hospitality, retail, and enterprise merchants.
Online rate
2.7% – 3.5% + $0.10 – $0.30 per transaction
Payout
1 – 2 business days
★ 4.6 trustpilotRead review →
Moneris
Payment ProcessorMoneris is Canada’s largest payment processor, providing point-of-sale systems, ecommerce payment gateways, and mobile payment solutions for businesses across Canada through a joint venture owned by Royal Bank of Canada and Bank of Montreal.
Online rate
2.4% to 3.5% + per transaction fee
Payout
typically 1 to 2 business days
★ 4.2 trustpilotRead review →
Bank of America Merchant Services
Payment ProcessorBank of America Merchant Services is a large, bank-integrated payment processing solution ideal for existing BofA business checking customers who value brand stability, seamless funding, and broad payment acceptance though it lags behind fintech competitors on pricing transparency, modern integrations, and third-party review scores.
Online rate
2.99% + .30
Payout
Next-day funding is available to all merchants (since all merchants must have a Bank of America checking account)
★ 1.14 bbbRead review →
Methodology
How we grade
- 1
Six weighted criteria
Pricing transparency, feature set, ease of use, customer support, contract terms and industry reputation — scored on every review.
- 2
Published evidence, not sales calls
Rates and fees come from published documentation and public filings. Where a provider does not disclose a number, we say so rather than estimating.
- 3
Dated and re-verified
Every review carries the date it was last fact-checked, so you can see how current the numbers are.
For merchants
Compare processors on published facts — rates, fees, contract terms and support — with a grade that explains itself.
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