Every processor.
Graded on evidence.

B

Payplug is a Paris-based payment provider for French and European merchants, owned by the French banking group BPCE and, since September 2026, the omnichannel brand of BPCE Merchant Services. It is a licensed French payment institution. Merchants sign up online, get a payment account in Payplug's books and take card and local payment methods online, on Android terminals, and on phones through SoftPOS and Tap to Pay on iPhone. Pricing is published by plan, and all prices are ex-VAT. As of October 2026, Starter costs €10 a month and charges 1.5% + €0.25 online or 1.5% + €0.10 in store on euro-zone consumer cards. Pro costs €30 a month and charges 1.1% on the same cards. Business cards cost 2.5% and cards from outside the euro zone cost 2.9%. Merchants turning over more than €1 million get custom pricing. The payment contract has no fixed term and can be ended on 30 days' notice, but a rented terminal comes with a 24-month contract and early-exit fees. Money is not paid out automatically by default. You request a transfer, and Payplug says about seven days can pass between request and arrival, or up to ten business days for a new account's first transfer. The terms let Payplug hold funds and set up reserves. Chargebacks cost €18 including VAT each. Trustpilot shows a split picture, but almost all of its reviews are more than two years old.

From 1.1% + €0.25 (euro-zone cards, ex-VAT)

On request; can take about 7 days

Expert grade BRead review →

Payfast

Payfast is a Cape Town online payment service for South African businesses, sole traders and registered non-profits, now trading as Payfast by Network after Network International bought its parent, DPO Group, in 2021. Its standard "aggregation" account needs no merchant bank account: Payfast collects payments, holds the money and pays it out to a South African bank account. As of October 2026 it lists 3.2% + R2.00 per card payment and 2% + R2.00 per Instant EFT, all excluding VAT, with R8.70 per standard payout and R2.00 per refund. Businesses processing more than R50,000 a month can ask for custom pricing, and merchants that already have a bank merchant account can use its Paygate gateway at quoted rates. It now also sells card machines, at 2.5% for local cards, R999 or R1,499 per device and R49 a month. The published price list is clear and the checkout supports a long list of local payment methods. Its general terms are tougher than the marketing suggests, though: a 36-month term that renews automatically, wide powers to hold funds for up to 540 days, and a minimum monthly fee for low-volume accounts whose amount is set in the application, not on the website. Recent public reviews are mostly complaints about verification delays and held funds.

3.2% + R2.00 per card (ex VAT)

1–2 working days, R8.70 ex VAT each

KOMOJU

KOMOJU is a Japanese payment service that lets online shops take the payment methods Japanese shoppers actually use: cards, convenience-store (konbini) payments, bank transfer, Pay-easy, PayPay and other wallets, carrier billing and prepaid e-money, plus local methods in South Korea, China, Southeast Asia, Europe and Brazil. It is run by KOMOJU Co., Ltd. of Musashino, Tokyo, which was called DEGICA Co., Ltd. until March 2026 and is registered with Japan's Ministry of Economy, Trade and Industry (METI) to sign card merchant contracts. As of October 2026, on its Japan price list cards cost 3.25%, konbini 2.75%, bank transfer 1.4%, and PayPay and similar wallets from 3.5% for physical goods. Those rates exclude Japan's 10% consumption tax, which is added for Japan-registered merchants. There is no setup or monthly fee, but each payout carries a bank transfer fee of 220 to 410 yen in Japan or 2,500 yen to an approved overseas account. Payouts are monthly, by the end of the following month, or weekly on request. The marketing says you can cancel anytime. The merchant terms set a one-year term that renews automatically, ask for three months' written notice to end early, and let KOMOJU withhold funds for six months when it sees chargeback risk. Independent merchant reviews are scarce.

3.25% Japan cards (+10% tax for JP firms)

Monthly, by end of following month

Zenoti

POS & Business Software

Zenoti is cloud software for salons, spas, medspas, barbershops and gyms, covering booking, point of sale, memberships, marketing, payroll and a growing set of AI agents. It was founded in 2010 in Hyderabad, India, as ManageMySpa and is now based in Bellevue, Washington. Card payments run through Zenoti Payments, which Zenoti integrates on top of Adyen or Stripe. In the US and Canada, Zenoti's help centre lists Zenoti Payments as the only supported payment gateway. As of October 2026, Zenoti publishes no software prices and no processing rates: both are quoted, and the processing rate is agreed when you register. US payouts arrive one or two business days after the sale, and the faster schedule adds 0.03% to your rate. The contract term is whatever your order form says, and it then renews for a year at a time unless either side gives 60 days' notice. Zenoti can raise fees by up to 20% at renewal, or at any time on 60 days' notice. Software reviewers rate it well, at 4.4 from 1,291 reviews on Capterra and 4.4 on Trustpilot. However, the BBB gives it an F and lists nine complaints in three years, several about sales promises, onboarding and refunds.

1–2 business days (US)

Tyl by NatWest

Platform / Acquirer

Tyl by NatWest is the card-acceptance service of National Westminster Bank plc, sold to UK small businesses since 2019. 'Tyl by NatWest' is a trading name of the bank itself, so NatWest is the acquirer and holds the merchant agreement. As of October 2026, businesses taking up to £50,000 a year in card payments pay 1.39% + 5p on UK and European personal cards and 1.99% + 5p on every other card, including business and international cards. Businesses above £50,000 get a custom quote built on five rate bands. Card machines rent for £13.99 to £19.99 a month plus VAT on a 12-month contract. Tap to Pay on iPhone and Android has no rental fee, and the online payments package costs £14.95 a month plus VAT on a one-month rolling plan. Money is settled the next business day into any UK bank account, and you do not need to bank with NatWest. The weak points are what Tyl does not publish: Amex rates, the chargeback handling fee, the PCI SafePay fee and the early termination fee all sit in quotes or in terms that are visible only after you sign up. Trustpilot reviewers rate Tyl highly overall, but a steady minority complain about support, held funds and contracts that renewed automatically.

1.39% + 5p UK/EU personal cards

Next business day

2C2P

2C2P is a Southeast Asian payments company, founded in Bangkok in 2003 by Aung Kyaw Moe and now headquartered in Singapore. Since April 2022 it has been majority-owned by Ant International (then Ant Group's international business), and since October 2025 it has traded as "2C2P by Antom". It still signs and onboards merchants under its own name. Merchants contract with a local 2C2P company in Singapore, Thailand, Malaysia, the Philippines or Hong Kong. In Indonesia the published agreement is with PT Dompet Elektronik Indonesia, and in Vietnam the licensed provider is partner M-Pay. 2C2P collects payments on their behalf through its partner acquiring banks and payment channels, deducts its fee and remits the rest. As of October 2026 it says it supports more than 400 payment methods, including cards, wallets, QR, bank transfers, instalments and cash at over 600,000 over-the-counter points, along with payouts, card and wallet issuing, and an airline payment orchestration product. It holds a Major Payment Institution licence from the Monetary Authority of Singapore, and its Thai companies hold Bank of Thailand payment licences. Pricing is quoted per account, and settlement timing is set in each merchant's signed proposal. Its published Merchant Service Agreement runs for a year, renews automatically, needs 90 days' written notice to end, and lets 2C2P withhold funds for up to 180 days after the last transaction. It suits mid-size and large businesses selling across several Southeast Asian markets. Small single-country sellers will find onboarding heavier than self-serve alternatives.

Visa/MC T+1 to T+3, per signed proposal

Lloyds Bank Cardnet

Platform / Acquirer

Lloyds Bank Cardnet is the card-acquiring business of Lloyds Bank plc, run as a joint venture with Fiserv, and it serves UK businesses only. It is not available to US merchants, and every figure in this review is in pounds sterling (GBP). The merchant agreement is with Lloyds Bank plc trading as Cardnet. Cardnet Merchant Services Limited, the joint-venture company, is controlled by Lloyds, and its 2025 accounts say Fiserv's FDR Limited, LLC holds about 49% of its shares. The UK Payment Systems Regulator counts Cardnet among the five largest UK acquirers. The joint-venture company's 2025 accounts report about £57.5 billion of card payments across more than a billion transactions. Cardnet publishes no rate card. Each account is priced individually, and the pricing page gives only worked examples, such as 0.5% plus a 3p authorisation fee on a £100 in-person Visa debit payment. Card machines rent for £21 or £23 a month plus VAT, there is a £10 minimum monthly charge, and other fees, such as PCI DSS management, are set in each merchant's own schedule. Both versions of the merchant agreement that Lloyds publishes roll on with one month's notice, but leaving within six months triggers an early-termination fee, which the December 2021 version sets at £200. Lloyds also sells Lloyds Accept, a separate pay-as-you-go app for its own business-account customers with card turnover under £100,000, at a published 1.5% + 20p.

Usually next day; contract default 5 days

Usio

Usio, Inc. (Nasdaq: USIO) is a San Antonio, Texas payments company that started in July 1998 as Billserv.com. It became Payment Data Systems in 2003 and Usio in 2019. Its main pitch is to software companies: through its PayFac-in-a-Box or Payfac-as-a-Service program, a software platform can sign up its own customers as sub-merchants and share in the processing revenue, without registering as a payment facilitator itself. Around that sit ACH processing (Usio is a Nacha Certified Third-Party Sender), card processing, PINless debit, remotely created checks, prepaid card issuing, and a bill print, mail and e-billing business. In 2025 Usio processed $8.4 billion across all payment types and reported revenue of $85.4 million and a net loss of $2.5 million. Usio does not publish its processing rates. Pricing is quoted per account, and its terminals are the only prices on its website. Its 2025 annual report says most of its merchant customers sign long-term contracts, generally for three years. There is very little public feedback from merchants: the BBB has no complaints and no rating, Trustpilot has no reviews, and G2 shows 24 reviews, all five-star.

Pricing clarity: 2.0
Feature set: 4.5
Ease of use: 3.5

Boulevard

POS & Business Software

B

Boulevard is booking, point-of-sale and client-management software for appointment-based salons, spas, barbershops and medspas, built by Boulevard Labs, Inc. in Los Angeles. Card payments run through its own Boulevard Payments, which uses Adyen for Platforms underneath and is sold only to Boulevard software customers. As of October 2026, Boulevard's pricing page lists plans from $143 to $416 a month per location, depending on tier, billing period and whether you run a salon or a medspa. It says card processing starts at 2.65%, and the exact rate is set in your order. With its Offset surcharge program, the business's share falls to about 1%, because clients pay a 3% credit-card fee. Deposits arrive in about two business days, and Instant Payouts cost 1.75%. The catch is the contract. Boulevard's Main Services Agreement defaults to a 12-month term that renews automatically. If you leave mid-term, you owe the rest of the term, and fees are non-refundable. Software reviewers rate it highly, at 4.6 from 390 reviews on Capterra. However, its small Trustpilot profile is mostly one-star reviews about technical and checkout problems, support and the one-year commitment.