Every processor.
Graded on evidence.

Pin Payments is an online card payment service for small and mid-size businesses in Australia and New Zealand. It was set up in Perth in 2011, launched in April 2013 and is now based in Melbourne. You do not need your own merchant account: Pin signs you up, approves most accounts within one to two business days, and by default pays you out two business days after each sale. As of October 2026, its pricing page lists 1.6% + 30c for domestic cards in Australia (GST included) and 1.9% + 30c in New Zealand (plus GST). International cards cost 3.4% + 30c in both countries, on the same GST basis as the domestic rate. There is no setup fee, monthly fee or lock-in contract, and a lost dispute costs $25. Pin covers online checkout, Xero invoice payments, recurring billing, a hosted payment page, a dashboard virtual terminal and APIs for platforms and payouts. It does not sell a card reader. Ownership has changed twice: Checkout.com bought Pin in May 2020, and Sydney payments company Fat Zebra bought it from Checkout.com in December 2024. Pin's terms are now a schedule to Fat Zebra's master agreement. Independent reviews are few but positive.

1.6% + 30c AU; 1.9% + 30c NZ (domestic)

2 business days by default, paid daily

PayTabs

Gateway / Orchestration

PayTabs is a Riyadh-based payments company founded in Saudi Arabia in 2014 by Abdulaziz Al Jouf. It sells a payment gateway to online merchants across the Gulf and North Africa, a payment orchestration and switching platform to banks and large enterprises, and the Paymes Super App for small Saudi businesses. We review it from the point of view of a merchant in Saudi Arabia, where PayTabs publishes the most. There, PayTabs is a technology layer rather than your acquirer: its gateway terms say you sign a separate processing and settlement agreement with a partner bank or payment service provider, which sets your card rates, handles chargebacks and pays you out. PayTabs charges on top of that. As of October 2026 its Saudi gateway agreement lists a one-time SAR 999 setup fee, SAR 199 a month and SAR 1 per transaction, before VAT. The Paymes app is priced separately at SAR 49 a month, with mada cards at 1% and credit cards at 2.25% + SAR 1, which PayTabs labels a testing-phase price. Outside Saudi Arabia the only published prices we found are per-transaction plans on its Egypt page; other markets are quoted by sales. The contract has no fixed term, and either side can end it on 60 days' notice, but fees already paid, including the setup fee, are not refunded. Trustpilot rates it 2.6 out of 5, and recent reviews describe slow payouts, frozen funds and support that is hard to reach.

Paymes (KSA): mada 1%; cards 2.25% + SAR 1

Midtrans

Midtrans is an Indonesian online payment gateway run by PT Midtrans from Jakarta. It launched in 2012 as Veritrans Indonesia, a joint venture with Japanese partners, renamed itself Midtrans in 2016 and was bought by Gojek in December 2017. Gojek merged with Tokopedia in 2021 to form GoTo, and Midtrans now sits in GoTo Financial alongside GoPay. It lets a business with an Indonesian legal presence take rupiah payments online by card, bank virtual account, GoPay and other e-wallets, QRIS, convenience-store cash and pay-later, through a hosted checkout, an API, plugins or payment links. Pricing is published per method with no setup or monthly fee. As of October 2026, cards cost 2.9% + IDR 2,000, virtual accounts IDR 4,000 and QRIS 0.7%. Most fees are quoted before Indonesian VAT (PPN), which is deducted on top. QRIS, GoPay and ShopeePay are the exceptions. On its standard aggregator model Midtrans signs the merchant, collects the funds and pays them out. Its help centre says money can be withdrawn three business days after a payment settles. The merchant terms are accepted during sign-up and are not published on midtrans.com; an undated copy we found describes a one-year, automatically renewing agreement and lets Midtrans hold payouts when it suspects fraud. Public reviews are thin, and the complaints we found describe withdrawals blocked while an account was under review.

Cards 2.9% + IDR 2,000; VA IDR 4,000

3 business days after settlement

PayPro Global

Merchant of Record

PayPro Global is a merchant of record for software, SaaS, video game and other digital-goods sellers, run from Toronto, Canada. It resells your product to your customers as the seller in law, so it collects the payment, charges and remits VAT, GST and sales tax, handles fraud screening and chargebacks, and pays you what is left once a month. Its commission is quoted per account: the pricing page publishes no rate, and the sample reseller agreement leaves the commission to an exhibit that is not published. What it does publish, as of October 2026, is a $15 chargeback fee plus any card processor fees, payout fees from free (PayPal in the US and Canada) to $21 for a wire, and a $400 minimum payout. Payouts go out monthly, around the 15th, for the previous month's sales. The standard contract runs 12 months and renews automatically, but either side can end it on 30 days' written notice, with no cancellation fee. After termination PayPro Global holds your remaining balance for six months before paying it out in one sum. The company dates itself to 2006 and is still led by its co-founders, Meir Amzallag and Tibor Madjar; we found no record of an acquisition or private equity owner. The BBB rates it A+ with five complaints in three years, but its Trustpilot TrustScore is 2.2, driven by shoppers complaining about ID checks, declined orders and slow refunds.

Monthly, around the 15th

PagBank

Platform / Acquirer

PagBank, known until May 2023 as PagSeguro, is a Brazilian card acquirer, card-machine (maquininha) seller and digital bank based in São Paulo. It began in 2006 as an online payments service of the internet group UOL, which still controls it, and its holding company, PagSeguro Digital Ltd., has been listed on the New York Stock Exchange since January 2018. As of June 2026 it reported 6.2 million active merchants and R$133.4 billion of payment volume in the quarter. PagBank is the licensed acquirer itself: its payment institution signs up each merchant directly, so there is no reseller or processor in between. Merchants buy a terminal outright, from about R$17 to R$196 as listed in October 2026, with no rent and no monthly fee, and pay a percentage per sale that depends on when they want the money. For Visa and Mastercard credit sales on a machine, PagBank's rate page lists 4.99% for same-day payout, 3.99% at 14 days and 3.19% at 30 days, with debit at 1.99%. Separate promotional plans and the online products carry their own, different prices, so the rate you actually get depends on which plan you join. The contract has no fixed term and either side can end it at any time, but it lets PagBank set reserves, hold balances and block accounts on its own risk assessment, and blocked accounts and withheld balances recur in recent Reclame Aqui complaints and in the consumer cases its annual report describes. PagBank holds Reclame Aqui's top RA1000 reputation, with 90.5% of complaints resolved over April to September 2026.

Checkout: 3.99% + R$0.40 (30-day payout)

Same day, 14 or 30 days; you choose

HitPay

HitPay is a Singapore payment platform for small and mid-size businesses, founded in 2016 and licensed by the Monetary Authority of Singapore as a Major Payment Institution. It bundles online checkout, payment links, invoicing, an online store, a point-of-sale app, card terminals and Tap to Pay, and it accepts cards, PayNow, GrabPay, ShopeePay, Atome and other Southeast Asian methods. There is no setup or monthly fee. As of October 2026 its Singapore pricing page lists domestic cards at 2.8% + S$0.50 online and 2.5% + S$0.50 in person, international cards at 3.65% + S$0.50 online and 3.2% + S$0.50 in person, and PayNow at 0.65% + S$0.30 online for payments of S$100 or more (0.9% below that) and 0.4% in person. Using HitPay's own tools, such as payment links, invoices, the online store, POS or recurring billing, adds 0.2% per transaction, and the Shopify app adds 0.5%. The terms say fees are exclusive of GST. Non-card money pays out the next calendar day and card money from the next business day. The December 2025 merchant agreement runs for a year and renews automatically, and HitPay's terms allow reserves, payout holds of up to 120 days when disputes run high, and withholding without a time limit if it believes you are in breach. Trustpilot reviewers rate it 4.4 out of 5, with complaints centred on slow support and unexplained account rejections.

2.8% + S$0.50 domestic cards (Singapore)

Next day; cards from T+1 business day

Payplug

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

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