Every processor.
Graded on evidence.

Payrexx

Payfac / Aggregator

B-

Payrexx is a Swiss payment service provider based in Thun, built for small and mid-size businesses in Switzerland and a handful of European countries. Merchants sign one contract with Payrexx and can take cards, TWINT, PostFinance Pay, wallets, Klarna and other methods online, by payment link, by QR code and in person. As of October 2026 the Swiss price list has three plans: Free at CHF 0, Standard at CHF 19 and Premium at CHF 49 a month on a one-year term, excluding VAT, with discounts for two- and three-year terms. Domestic Visa and Mastercard payments online cost 2.50% + CHF 0.30 on Free, 1.65% + CHF 0.18 on Standard and 1.35% + CHF 0.18 on Premium. Business cards and cards from other regions cost 3.40% + CHF 0.18. Payrexx also works as a gateway for 25 or more outside processors such as PayPal, Stripe and Worldline, for a surcharge of 0.25% to 1% on top of that processor's own fees. Payrexx is not a bank; it is supervised for anti-money-laundering purposes as a member of VQF, a FINMA-recognised self-regulatory organisation. It has applied for an EU payment institution licence through a Liechtenstein subsidiary. Plans renew automatically for the same term unless cancelled in writing 30 days before expiry. New accounts wait 8 days for online funds, and Trustpilot reviews are few and mostly negative.

PAY.

Payfac / Aggregator

B

PAY. (pay.nl) is a Dutch payment service provider run by TinTel B.V., based in Enschede. It is licensed by De Nederlandsche Bank (DNB) as a payment institution, and it says it became a principal member of Visa and Mastercard in October 2021. Merchants sign their agreement directly with PAY., and customer funds pass through its own escrow foundation before payout. As of October 2026 it publishes a full price list in euros, excluding VAT. Professional costs €35 a month and Business €89 a month. On Professional, EU consumer cards online cost €0.15 + 1.50%, and iDEAL | Wero costs €0.19 per payment. A Pioneer option drops the monthly fee and contract but adds €0.05 and 0.25% to every transaction. The platform covers more than 50 payment methods, in-store terminals, SoftPOS and more than 90 integrations, and accepts companies from most EU and EEA countries. The paid plans are less flexible than the price list suggests: a one-year initial term that renews indefinitely, three months' notice to leave, a minimum-billing clause if volume drops, and published fines for compliance breaches.

Instamojo

POS & Business Software

C+

Instamojo is a Bengaluru company, founded in 2012, that sells online stores, landing pages and payment links to small Indian businesses, with payments built in. As of October 2026 its pricing page lists 2% + ₹3 per payment by UPI, Indian cards, netbanking, wallets and pay later, and 3% + ₹3 on corporate cards, with 18% GST charged on top of the fee. The free store and landing-page plans charge 5% + ₹3, and digital goods cost more. Money reaches your bank three business days after the sale unless you pay extra for faster payouts. Instamojo used to run its own payment aggregation business, but on 27 September 2023 the Reserve Bank of India returned its application for an aggregator licence, and RBI's own list, dated 1 October 2026, still shows it that way. The company says it moved merchants' payment accounts to licensed aggregators, with fresh KYC. Merchants told the press their payouts were stuck for weeks during the switch. Its Trustpilot page is dominated by one-star reviews about delayed payouts, KYC and unanswered support. Instamojo is a cheap, simple way for a very small Indian seller to start taking payments, but choose it for the store software, and get written answers on who holds your money before relying on it.

MONEI

Platform / Acquirer

B

MONEI is a payment platform from Málaga, Spain, launched in 2015 by Alex Saiz Verdaguer. Since 2021 it has been a payment institution authorised by the Banco de España (register number 6911), and it acquires Visa and Mastercard payments itself, so the merchant contract is with MONEI. As of October 2026 it sells one plan, MONEI One. Online card payments cost Interchange++ (the card schemes' pass-through fees plus a 0.10% acquiring fee) and a MONEI fee of 0.90% + €0.25. The percentage falls to 0.60%, 0.25% and then 0.15% as monthly volume passes €500,000, €1 million and €5 million. In-person card payments through the MONEI Pay phone app cost Interchange++ plus 0.25%, with no fixed fee. There is a daily platform fee of €0.15, a €0.20 fee per payout and a €15 fee per chargeback. Bizum, Spain's mobile payment scheme, is switched on by default, and MONEI can route card payments to a merchant's own bank terminal or Stripe account. It is only open to businesses registered in Spain or Andorra, it does not take American Express, support is by chat and email only, and a new account's online sales are held for 30 days before the first payout.

iKhokha

Payfac / Aggregator

B

iKhokha is a South African payments company based in Umhlanga, KwaZulu-Natal, that sells card machines, tap-on-phone acceptance and online payment tools to small businesses. It was founded in 2012 and has been a wholly owned subsidiary of Nedbank Group since the bank's R1.65 billion all-cash purchase, which Nedbank consolidated from 1 December 2025. You buy the card machine outright rather than renting it: as listed in October 2026, the iK Flyer with a built-in printer costs R1,499 and the iK Flyer Lite R699 (reduced from R999), with an optional R75 a month SIM for unlimited data. Tap on Phone is free on a compatible Android or Huawei phone. In-person rates for South African cards are published in volume tiers, from 2.75% down to 2.5% excluding VAT, with custom pricing above R100,000 a month. Online card payments cost 2.85%, Instant EFT 2%, international cards 3.25% and in-person Amex 3.4%, all excluding VAT. A flat R2.50 is charged on each daily payout. The agreement is month-to-month with one calendar month's written notice. iKhokha is a payment aggregator: merchants are sub-merchants under acquiring authority from Absa and Nedbank. Hellopeter reviews are mixed, with complaints focused on held payouts and account terminations.

Eway

Payfac / Aggregator

B-

Eway (formerly styled eWAY) is an Australian online payments company founded in 1998 and owned by Global Payments since 2016. It sells two things. Online Payments is an all-in-one account: Eway supplies the merchant facility and the gateway, through its sister company Ezidebit, at a published flat rate of 1.5% + 25c per Visa, Mastercard or Amex transaction, with a further 1.99% on international credit cards. All prices include GST, and there is no setup fee, monthly fee or lock-in contract. Settlement takes 1 to 3 business days. The Payment Gateway plans connect a merchant account you already hold with your bank. These cost $20, $30 or $60 a month, billed annually, plus 40c to 60c per transaction. Once you have processed 50 transactions you are enrolled in a paid security program unless you opt out, and Eway's own pages give two different prices for it. Eway is online-only, with no terminals of its own, and it does not support Afterpay or Zip. On ProductReview.com.au it is rated 1.1 out of 5 from 21 reviews, with complaints about account closures, held funds and support.

Rotessa

Bank / A2A Payments

B-

Rotessa is a pre-authorized debit (PAD) and ACH payment service run from Steinbach, Manitoba. Businesses use it to pull scheduled or one-off payments straight from their customers' bank accounts in Canada or the US. It does not take card payments. As of October 2026 its pricing page lists $25 a month plus $0.50 per transaction, a $30 fee for each NSF, stopped payment or 'agreement terms not met' return, and $2 for each online bank verification. There is no setup fee, no cancellation fee and no fixed contract term. The flat per-debit fee is far cheaper than a card percentage on large recurring payments like rent, tuition or retainers. The trade-offs are speed and flexibility. Funds settle five business days after the debit is processed, Rotessa can hold back settlement funds, and after you close the account it can keep what it holds for you until 90 days after your last completed transaction (30 days under its US agreement). You also cannot issue refunds through it. Rotessa Inc. was incorporated in 2010 and is registered with FINTRAC as a money services business and with the Bank of Canada as a payment service provider. It holds an A+ BBB rating with no complaints in the past three years, although there are few independent user reviews to go on.

CCAvenue

Payfac / Aggregator

B-

CCAvenue is one of India's oldest online payment gateways. Founder Vishwas Patel launched it in 2001, and it now belongs to AvenuesAI Limited, the listed company called Infibeam Avenues until January 2026. The company is headquartered in GIFT City, Gandhinagar. This review covers the Indian business, which is for websites owned by Indian entities; CCAvenue runs separate sites for the UAE, Saudi Arabia and the USA. CCAvenue is an RBI-authorised payment aggregator. You sign its Master Service Agreement as a sub-merchant, customer payments land in its escrow account, and it pays you out after deducting fees. As of October 2026 the standard online rate is a 2.00% platform fee on domestic cards, netbanking, wallets and UPI, plus 18% GST. Domestic corporate cards and Amex or Diners cost 3%, international cards 3% and multi-currency processing 3.5%. There is no setup fee, but an annual software charge of ₹1,200 plus GST applies from the second financial year. In-store (offline) pricing is on request. The FAQ says payouts are weekly unless your agreement says otherwise. The terms let CCAvenue suspend settlements during an investigation, without paying interest. Payment-method coverage is very broad. Public merchant reviews are few but mostly negative, and they centre on held funds and support that does not respond.

Billplz

Payfac / Aggregator

B-

Billplz is a Malaysian online payment gateway run by Billplz Sdn Bhd, a company incorporated in 2012 and based in Selangor. It is built around FPX online banking, which it prices at a flat fee per payment rather than a percentage, and it also takes Visa and Mastercard, DuitNow QR, e-wallets and Atome instalments once each has been separately activated. There are two published plans, as of October 2026. Basic costs nothing a year and charges MYR 1.25 per consumer FPX payment and 1.8% per local card payment. Standard costs MYR 999 a year and cuts those to MYR 0.75 and 1.5%. Billplz's help centre says 8% SST is added to the plan fee and to transaction fees. FPX money is paid out the next business day and card money two business days after collection, although the interbank transfer can take another one to two business days to reach your account. Merchants sign Billplz's own user agreement. FPX payments run through Billplz's shared FPX seller ID, and Billplz says Visa has authorised it as a payment facilitator; its help centre says that from 29 August 2026 it processes Visa and Mastercard directly rather than through third-party processors. Only Malaysian businesses and organisations registered with the Companies Commission or the Registrar of Societies, with a bank account in the organisation's name, can sign up. Billplz says more than 60,000 organisations have used it. Independent reviews are scarce, and we found no lawsuits or regulatory action naming it.