Every processor.
Graded on evidence.

PayPro Global

Merchant of Record

B-

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.

PagBank

Platform / Acquirer

B

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.

HitPay

Payfac / Aggregator

B

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.

Payplug

Payfac / Aggregator

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.

Payfast

Payfac / Aggregator

B-

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.

KOMOJU

Payfac / Aggregator

B-

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.

Zenoti

POS & Business Software

B-

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.

Tyl by NatWest

Platform / Acquirer

B-

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.

2C2P

Payfac / Aggregator

B-

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.