We grade payment processors on pricing transparency, features, support and contract terms — then publish the reasoning behind every grade.
reviewed
independent
always
The report card
real directory dataStripe
Payfac / Aggregator
PayKings
Agent Office / Reseller
Square
POS & Business Software
The evidence
Rates, fees, payout times and contract terms come from published documentation and public filings — never from a sales call. Each review carries the date it was last fact-checked.
Where a provider doesn't disclose a number, the review says so. We don't estimate, and we don't fill gaps with marketing copy.
The fact sheet
real directory dataHelcim
Fact-checked September 7, 2026
Every value above is published by the provider. A processor that doesn't publish a number gets “Not disclosed” in that cell — never an estimate.
The grade
Pricing transparency, feature set, ease of use, customer support, contract terms and industry reputation — every review scores all six, and the grade is what the scores say it is.
No pay-to-play, no sponsored placements. A provider can't buy a better grade; they can only earn one, and the reasoning is published either way.
The scorecard
real directory dataHelcim
Mean category score 4.5/5
The six weighted scores produce the letter grade — the same rubric for every review in the directory.
Head to head
Same criteria, same evidence, side by side — with a winner called per row and overall, and the reasoning for each call.
Where the honest answer is “it depends on your business”, the comparison says that instead of forcing a verdict. And it's not just the featured matchups — any two of the reviewed processors can be compared.
Head to head
real directory data| Spreedly | Yuno | |
|---|---|---|
| Published entry price | From $750/month (Independent Vault) | Not disclosed |
| Orchestration and optimisation tier | Not disclosed | Not disclosed |
| How you are charged | Fees set in your ordering document | Monthly platform fee + per-transaction and add-on fees |
| Free evaluation | 30-day evaluation account, no charge | Not disclosed |
Full transparency
Lawsuits, regulatory actions, undisclosed pricing, contract traps — when the evidence turns up a problem, it goes in the review with the same prominence as the praise.
A grade you can trust has to be allowed to be bad. Every item in this feed links to the review that documents it.
Watch out
from published reviewsRBI restriction on merchant onboarding by Paytm Payments Services Ltd
Paytm Payment Gateway · 2022-11-25
De Nederlandsche Bank administrative fine against MultiSafepay B.V.
MultiSafepay · 2016-10-11
De Nederlandsche Bank appointment of a curator at MultiSafepay B.V.
MultiSafepay · 2016-11-08
Banco Central do Brasil, Processo Administrativo Sancionador PE 197812 (PagSeguro Internet S.A.)
PagBank · 2022-02-18
Doesn't publish its pricing
Yuno
Doesn't publish its pricing
eProcessing Network
Documented in the linked reviews — legal actions are listed with case title, date and status.
Top rated
Ranked by grade, then by average category score. Equal grades share a position. An acquirer and an agent office are not the same purchase — pick a category to rank like against like.
Stripe is a leading payment processor known for its developer-friendly API, transparent pricing, and comprehensive suite of payment solutions for businesses of all sizes.
PayKings is a specialized payment processor offering tailored solutions for high-risk industries with a strong emphasis on fraud prevention.
Square offers simple, transparent payment processing ideal for small businesses. Flat-rate pricing, no monthly fees, and excellent software make it a top choice — but account holds and limited support are key concerns.
Helcim is a Calgary-based payment processing company that offers genuinely transparent interchange-plus pricing with no monthly fees, no hidden charges, and a comprehensive suite of free payment tools.
Adyen is a global, enterprise-grade payments platform that unifies acquiring, processing, routing and risk management into a single stack for merchants with international and omnichannel needs.
Shopify Payments is Shopify’s own branded payments service — processed by Stripe, per Shopify’s published processor list — giving merchants one-click access to accepting cards and wallets inside Shopify, simplifying setup and eliminating third-party gateway fees for supported merchants.
The directory
Yuno is a payment orchestration platform for large merchants, banks and wallets. It started in Latin America and now sells worldwide. It does not process payments or hold funds itself. You sign your own contracts with payment processors, acquirers, wallets and fraud tools, enter their credentials in Yuno's dashboard, and Yuno routes each transaction between them through one API. It retries failed payments on another provider and stores card tokens in its own vault. Yuno says it connects to more than 1,000 payment methods and over 460 integrations in 190+ countries. Named customers include McDonald's, Rappi, NetEase Games, GoFundMe and inDrive. It raised a $45 million Series B in August 2026, led by Global PayTech Ventures with Andreessen Horowitz and Tiger Global taking part. Yuno publishes no prices. Its public merchant terms describe a fixed monthly platform fee plus per-transaction fees for successful payments, payouts, refunds and verifications, with extra fees for add-ons such as 3-D Secure, fraud checks and chargeback alerts. Contracts run for a fixed term set in an order form, renew automatically unless you give 60 days' notice, and leaving early means paying the remaining monthly fees for the term. There is almost no independent user feedback to check its claims against.
Paytm Payment Gateway is the online payments business of Paytm Payments Services Limited (PPSL), a wholly owned subsidiary of One 97 Communications, the listed company behind the Paytm brand. It lets Indian businesses take UPI, cards, net banking, EMI and wallet payments on a website or app, and settles in rupees to an Indian bank account, by default the next day. As of October 2026 the standard plan is 1.99% per transaction with 18% GST on top, no setup fee, and custom pricing for large businesses. PPSL is a Reserve Bank of India-authorised Payment Aggregator: it signs the merchant, pools customer funds in an escrow account and settles them, which makes it a payment facilitator rather than a bare gateway. That authorisation came late. The RBI turned down PPSL's first application in November 2022 and barred it from onboarding new online merchants. The bar was lifted with in-principle approval in August 2025, and the full certificate followed on 26 November 2025. Offline and cross-border authorisations were added on 17 December 2025. The RBI action that closed Paytm Payments Bank, which ended in the cancellation of its banking licence on 24 April 2026, concerned a separate group company and not PPSL. The product is broad and built for scale. The published merchant terms, however, list fees that are hard to reconcile with the one-line pricing page, and they favour Paytm on fee changes, withheld settlements and liability.
eProcessing Network (ePN) is a payment gateway run by eProcessing Network, LLC in Houston, Texas, and has been online since at least 2000. It is not a processor and does not offer merchant accounts. You need a merchant account with an acquiring bank, and ePN connects your website, virtual terminal, POS software or mobile app to that account through processing platforms including Fiserv's First Data, TSYS, Global Payments, Elavon, Chase Paymentech, Worldpay and EPX. It also connects to several ACH, check and gift card providers. ePN sells only through resellers: ISOs, merchant service providers and their agents. It publishes no prices. Its own merchant service agreement has blanks for a monthly gateway fee and a per-transaction fee, so what you pay depends on the reseller. The product range is broad and practical for a small US merchant: an online terminal, hosted order and payment forms, a shopping cart, an Authorize.Net emulation mode (on some processor platforms), recurring billing, invoicing, customer storage, Level III data, QuickBooks sync, Windows POS software and a mobile app. Fraud filters are included with every gateway account. The tooling looks dated, and the company has posted no news since March 2023. Support was the weak point in July 2024. Hurricane Beryl and the CrowdStrike outage hit together, and BBB complaints from that month describe unanswered calls and batches that did not settle, and two later complaints describe billing that continued after merchants asked to cancel.
Trust Payments is a UK payments group that both runs a payment gateway and acquires card payments itself. It grew out of Secure Trading, an online card-payments firm that was operating by 1998. In May 2019 an investor group coordinated by CORDET Capital Partners bought the Secure Trading companies and moved them under a new holding company, and the brand became Trust Payments in 2020. Its acquiring licence sits with Trust Payments (Malta) Limited, which the Malta Financial Services Authority has authorised since June 2012, including for acquiring card transactions, and which the company says is a principal member of Visa and Mastercard. In the UK, TrustUK Payments Ltd is an FCA-authorised payment institution (firm reference 932557). It sells online payments, card terminals, Tap to Pay on Android and iPhone, card payouts, retail software through its Trust Retail arm, and revenue-based financing through YouLend. It openly courts higher-risk sectors such as gaming, crypto, forex and medical cannabis. As of October 2026 it publishes no processing rates or monthly fees: every account is priced in a quote, and a merchant can be asked for a rolling or fixed reserve, sized by risk, with funds held for at least 120 days from when they are added. Trustpilot reviews are mostly positive, with a minority of one-star reviews about reversed payments, chargeback losses and slow email support.
MultiSafepay is an Amsterdam payment service provider for European small and mid-size businesses. It is licensed by De Nederlandsche Bank (DNB) as a payment institution, is authorised to acquire payment transactions, and says it acts as acquirer and processor for Visa, Mastercard and Bancontact. Merchants sign directly with MultiSafepay B.V. One contract covers online payments, in-person terminals and about 40 payment methods, including iDEAL | Wero, Bancontact, cards, Apple Pay, Google Pay, PayPal, Klarna, in3 and Riverty. It does not publish rates. As of October 2026 its pricing pages for the Netherlands, Belgium, Spain and Italy all ask you to request a quote. They say you pay per successful transaction with no set setup or monthly fee. Payouts reach Dutch and Belgian bank accounts in one business day by default, and other countries in three to five. The company dates its business to 1999, when founder Olaf Geurs set up MultiPay, although its own timeline gives 2005 as the year MultiSafepay was founded. It has been a wholly-owned subsidiary of Ant International, the owner of Antom, since 1 July 2024. The general terms run for an indefinite period, and you can end them at any time. However, they let MultiSafepay set up a security deposit whenever it chooses and keep it for up to 12 months after you leave. In 2016 DNB fined MultiSafepay EUR 50,000 over its compliance function. DNB also placed a curator at the firm from November 2016 to June 2017.
Fat Zebra is a Sydney online payments company that sells two things: a payment gateway you can plug into your existing bank merchant facility, and an all-in-one service where Fat Zebra provides the acquiring itself. For the second, it is a registered payment facilitator for Visa and Mastercard through Checkout.com Australia and NAB, a third-party processor for Fiserv's Australian acquiring business, and the acquirer of record for eftpos Direct and UnionPay transactions. It started in 2012 and is led by founder and CEO Pred Dragila. Five V Capital took a significant minority stake in February 2024, and Fat Zebra calls itself Australian-owned and independent. It has since bought Adatree, Pin Payments and SecurePay. As of October 2026 the gateway-only plan is listed from $250 a month plus $0.30 per transaction, with a $27.50 chargeback fee and other add-ons published. All-in-one processing rates are quoted per business, and the pricing page warns that minimum monthly fees may apply. From 1 October 2026, when card surcharging ended in Australia, Fat Zebra switched surcharging off for every card type it processes, Amex included. Customers named on its site include PayPal, Zip, MYOB, Sportsbet, RACQ and Aussie Broadband. Independent merchant reviews are almost nonexistent, Fat Zebra does not appear on ASIC's register of financial services licensees, and we found no lawsuit or regulatory action naming the company.
Zeffy (called Simplyk until April 2022) is a Montreal-based fundraising platform for nonprofits. It runs donation forms, event ticketing, raffles, auctions, memberships, online stores, a donor CRM and a Tap to Pay phone app. It charges the nonprofit nothing: no platform fee, no card fee and no subscription, and the organisation receives 100% of each gift. Zeffy pays the card processing costs itself and earns its money from an optional contribution, or tip, that donors are asked to add at checkout. That tip is pre-selected. In our October 2026 test on a live US form, a $50 gift came with a 17% ($8.50) contribution already chosen, and a $500 gift with 11% ($54.95). Donors can lower it or set it to zero through an 'Other' option, but the nonprofit cannot change the suggested amounts. Payments run on Stripe: each organisation gets its own Stripe connected account under Zeffy's platform. Payouts go out weekly on Mondays by default. Zeffy is open only to nonprofits and eligible public-benefit organisations, and this review covers its US (USD) and Canadian (CAD) offer. Donor reviews are strongly positive, but the most persistent complaint is donors who did not notice the pre-selected tip.
Moyasar is a Riyadh payment company that lets Saudi businesses take online payments by mada, Visa, Mastercard, American Express, UnionPay, Apple Pay, Google Pay, Samsung Pay, STC Pay and SADAD bills. Moyasar Financial Company was incorporated in 2015 and is licensed by the Saudi Central Bank (SAMA). It serves Saudi businesses only, and you need a Saudi commercial registration or freelance licence and a Saudi bank account to sign up. Pricing is not published: as of October 2026 its homepage, FAQ and product pages send you to its sales team for rates. Its own terms do set some fees. A chargeback in certain cases costs SAR 200, VAT is charged on top of its fees, and Moyasar may charge extra for an early payout. Funds settle twice a week, on Mondays and Thursdays, by default, and the terms allow up to seven working days. The developer tools are strong. You get a sandbox you can open without talking to sales, clear API docs, mobile SDKs, a WooCommerce plugin, recurring card and Apple Pay billing, split payments for platforms and a payouts API. Moyasar says it serves more than 16,000 businesses. Independent merchant reviews are scarce, so its reputation is hard to judge from outside.
Clearly Payments is a Vancouver merchant services company founded in 2018 that sells merchant accounts, terminals, a payment gateway and related tools to businesses in Canada and, since January 2023, the United States. It is a registered ISO of the Canadian branch of U.S. Bank National Association, the bank behind Elavon, so the merchant account sits with an acquiring bank rather than an aggregator. Its pricing is more open than most ISOs: as of October 2026 it publishes interchange-plus markups by annual volume, from 0.38% + $0.08 down to 0.15% + $0.04 in person and 0.48% + $0.23 down to 0.23% + $0.12 online or keyed, for businesses selling $150,000 to $10 million a year on cards. Canadian businesses can instead pay a monthly membership, from $99 plus 8 cents a transaction, with no percentage markup. Interchange is passed through on top of both. It advertises no locked-in contract and no cancellation fee, and next-day funding for most industries. The gaps: no published tier below $150,000 a year, terminal rental prices are quote-only, the pricing pages do not state currency or sales tax, the merchant services agreement is not public, and there are very few independent customer reviews.
Compare processors on published facts — rates, fees, contract terms and support — with a grade that explains itself.
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Expert insights and industry analysis.
What a Thai business pays in October 2026 to take cards and PromptPay, from the providers' own pages: KBank, Krungsri, SCB, Omise, Stripe, Xendit, Payso, ChillPay, PayPal and Adyen. Plus why fixed fees and 7% VAT change the ranking, and what Visa's rules and a bank's terms say about surcharges.
What a Nigerian business pays to take cards, bank transfers and USSD in October 2026, from the published prices of Paystack, Flutterwave, Monnify, Quickteller Business and Squad, plus card-machine costs, the ₦50 stamp duty on transfers, and where the CBN's 2026 Guide to Charges stands.
What a Polish business pays to take cards and BLIK in October 2026, from each provider's own pages: Revolut, SumUp, myPOS, Viva, Stripe, PayU, Przelewy24, Tpay and Mollie. Plus the free-terminal programme still enrolling, and why a surcharge on a consumer card is against the law.
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