Every processor.
Graded on evidence.

Cielo is one of Brazil's two largest card acquirers, based in Barueri, São Paulo, and it serves Brazilian businesses only. It was incorporated in 1995 and traded as VisaNet until it was renamed Cielo (announced in November 2009; some sources date the formal change to July 2010). Banco do Brasil and Bradesco control it, directly and through companies they jointly own, and took it off the B3 stock exchange in August 2024. Cielo signs the merchant agreement itself and sells card machines (maquininhas), tap-to-phone, payment links and e-commerce APIs. As of October 2026 its plans page lists two published plans. The Aluguel rental plan, for registered companies (CNPJ), charges 1.19% on debit and 3.45% on one-payment credit. The terminal is free in any month your card sales reach R$15,000; otherwise it costs R$99.90 a month. The Comodato plan, open to individuals too, costs a one-off R$238.80 (or 12 payments of R$19.90) and charges 1.90% debit and 4.30% credit. Both plans pay out in up to one day, subject to eligibility. Instalment sales cost much more: up to 14.79% (Aluguel) or 19.00% (Comodato) for 12 instalments. The agreement has no fixed term and either side can end it on 30 days' written notice without penalty. Cielo holds Reclame Aqui's top RA1000 rating, but improper charges are the problem tagged on 52.9% of the complaints it classifies.

Payment link: 3.48% credit, 1.07% debit

Up to 1 day, subject to eligibility

Buckaroo

Buckaroo is a Dutch payment service provider based in Utrecht, which says it was founded in 2005. It is majority-owned by the French private equity firm Keensight Capital, which agreed to buy its stake in December 2021. It is licensed by De Nederlandsche Bank as a payment institution and sells online payments, card terminals and Tap to Pay on Android to businesses in the Netherlands, Belgium and Luxembourg. The merchant contract is with Buckaroo itself. Depending on the payment method, Buckaroo acts as the acquirer, as a processor for another acquirer, or as a payment facilitator signing cards up as the acquirer's agent. Customer money is held by a separate foundation, Stichting Derdengelden Buckaroo. Prices are published and exclude VAT. As of October 2026, online iDEAL by Wero costs €0.30 per payment, or less in a monthly bundle from €4.99. EU consumer cards online start at 1.80% + €0.25. In store, on the Dutch tariff, a domestic debit card payment costs €0.12, or €0.063 to €0.095 in a monthly bundle. Terminals cost €169 to €490 to buy or €19.65 to €44.50 a month to lease. Online payouts are weekly by default and terminal takings are paid out every working day. Buckaroo says it serves more than 55,000 businesses. As of 26 October 2026 its Trustpilot score is 2.8, with recent complaints about locked accounts and slow support. The terms favour Buckaroo: it can charge the rest of the first year's subscription fees if you leave early, hold a rolling reserve at its discretion, and raise prices once a year.

iDEAL €0.30; EU cards from 1.80% + €0.25

Weekly online (Wed); daily for terminals

Alma

BNPL Network

Alma is a French buy-now-pay-later provider. It lets a merchant's customers pay in 2, 3 or 4 instalments, 15 or 30 days later, or over up to 12 months, online and in store. Alma lends to the shopper and takes on the risk of non-payment, and the merchant is paid the full basket less a commission. Alma SAS was registered in April 2018 by Louis Chatriot and Guillaume Desloges and is based in Neuilly-sur-Seine, near Paris. The French regulator, the ACPR, has authorised it as both a payment institution and a financing company since May 2021. As of October 2026 its French price list charges merchants 3.6% for 2 instalments, 3.8% for 3 and 4.8% for 4, plus VAT. Pay-later plans cost 4.2% (15 days) or 4.6% (30 days). There is no monthly or setup fee, and part of the cost can be passed to shoppers within legal caps. Plans of 10 or 12 instalments are priced on quote. Alma's help centre says payouts generally arrive 7 to 14 days after the sale, while its merchant terms say within seven days of the transaction being confirmed. The merchant contract has no fixed term, but either side must give three months' notice to end it. For 2025, Alma reported €2.5 billion of business volume and its first positive net result. It says 23,000 merchants use it, and consumers rate it 4.8 on Trustpilot. Complaints centre on declined applications, refunds and hard-to-reach support.

3.6%–4.8% + VAT (France, 2 to 4 payments)

7–14 days (help centre); terms say 7

PayTR

PayTR is a Turkish payment and e-money institution, licensed by the Central Bank of the Republic of Turkey (TCMB). It was founded in 2009 and has its head office in İzmir, with an office in Istanbul. Its main product is a virtual POS (sanal POS) for online shops. A merchant signs one contract with PayTR and can then take cards from all Turkish banks, including instalment sales on the major bank card programmes. PayTR also offers payment links, a marketplace split-payment product, subscriptions, physical and phone-based POS, bank-transfer tracking and carrier billing. Pricing is mostly quote-only. As of October 2026, the only rate PayTR publishes for its standard service is a headline rate starting at 2.19% for single-payment card sales paid out after seven days. Your actual rate and payout term are set in a personal offer, and a longer payout term buys a lower rate. There is no setup, monthly or annual fee. In June 2021 the Competition Authority cleared the acquisition of sole control of PayTR by a company controlled by private equity firm Actera; press reports put the stake at 60%. PayTR says it serves more than 200,000 merchants. Complaint-site ratings are weak: 49 out of 100 on Şikayetvar, the main Turkish complaints platform, as of October 2026. PayTR is for businesses selling in Turkey only.

From 2.19% single payment, 7-day payout

Set in your offer; next day if eligible

GoPay

GoPay is an online payment gateway for e-shops in the Czech Republic and Slovakia, based in České Budějovice. Worldline bought a 53% stake in 2020 and, according to the Czech company register, became sole owner in October 2022. Since 1 April 2025 GoPay has operated as GoPay Czech, the Czech branch of Worldline NV of Belgium, and is licensed by the National Bank of Belgium as a payment institution. As of October 2026 its pricing page offers two plans for new merchants. Both charge a flat 0.95% per card, bank-transfer or QR payment with no fixed fee, after a free introductory period. The Growth plan also has a CZK 80 monthly fee in any month with CZK 50,000 or less in volume. Settlement to your bank costs CZK 10, a chargeback CZK 990 and a refund CZK 5. Your plan price is written into your registration form, and GoPay's terms say an individual agreement overrides its general fee schedule. That schedule, in a version effective 1 November 2026, lists much higher default card fees of about 2.15% to 2.30% + CZK 3 and applies to anything your form does not set. GoPay offers more than 50 payment methods, including Czech bank buttons, QR payments, Apple Pay, Google Pay, PayPal and pay-later options. It says 19,823 merchants use it and that it handled CZK 98.7 billion in 2024. There is no fixed contract term and no cancellation fee. However, the terms let GoPay set reserves at its own discretion and end the contract within three months of signing without giving a reason. Its Trustpilot rating is poor, though from only 26 reviews.

0.95% + CZK 0 on Start/Growth plans

Daily, weekly or monthly (monthly default)

Givelify

Givelify is a mobile and online giving app for US churches and nonprofits, run by Givelify LLC from Indianapolis. Donors give by card through a free app or a web giving page. The organization pays nothing to sign up, no monthly fee and no contract. As of October 2026 Givelify takes 2.9% + $0.30 from each Visa, Mastercard and Discover gift and 3.5% + $0.30 from each American Express gift. The rest is deposited the next business day for gifts made before 9 p.m. Eastern. Givelify's terms describe it as a payment facilitator: each organization is a sub-merchant on Givelify's account with Worldpay, and only organizations expected to take more than $1 million a year in card gifts sign Worldpay's sub-merchant agreement directly. The price is simple but card-only. Givelify publishes no bank-transfer (ACH) giving option, so every gift pays the card rate, and a fee-cover option exists in the terms but is off by default. Ratings are strong: 4.9 stars from about 101,800 ratings on the App Store and about 44,100 on Google Play, and an A+ from the BBB with no complaints in three years. In 2016 Pennsylvania's banking regulator fined Givelify $176,000 for unlicensed money transmission. A state appeals court reversed that order in 2019.

2.9% + $0.30; Amex 3.5% + $0.30

Next business day (9 p.m. ET cutoff)

Montonio

Bank / A2A Payments

Montonio is an Estonian checkout company, founded in Tallinn in 2018, that sells online payments and shipping to small and mid-sized ecommerce stores in Estonia, Latvia, Lithuania, Poland and Finland. It began with open-banking bank payments, where the shopper picks their bank in the checkout and pays straight from their account. It now also bundles card and wallet payments, Inbank-funded pay later and financing, payment links and a multi-carrier shipping module. Its payment services run under a Bank of Lithuania payment institution licence held by Montonio Finance UAB. As of October 2026, Baltic merchants pay a monthly plan fee of €11.99, €14.99 or €39.99 before VAT. On top of that, a bank payment costs €0.05 to €0.20 and an EU consumer card costs 1.29% + €0.20 or 1.49% + €0.25, depending on the plan. In November 2025 Montonio began moving card processing from Stripe to Adyen; under Adyen, daily card payouts arrive two business days after the sale. Montonio says it serves more than 8,000 merchants with a team of about 65, and it is backed by Index Ventures. The price list is unusually complete and the bank-payment rates are low. On the other hand, the plans make card acceptance compulsory below the €39.99 tier, the general merchant terms are not published, and every card dispute costs €20, which Montonio's help centre now says is not refunded even if you win.

Bank €0.05–0.20; EU cards from 1.29% + €0.20

Bank payments direct; cards T+2 days

HiPay

Platform / Acquirer

HiPay is a French payment service provider based in Levallois-Perret, outside Paris, that handles online, in-store and marketplace payments for mid-size and large European merchants. Its operating company, HiPay SAS, has been an authorised payment institution under France's banking supervisor, the ACPR, since August 2011, and passports that licence across the EU. The parent, HiPay Group, was spun out of the French digital media company HiMedia in June 2015 and trades on Euronext Growth Paris (ticker ALHYP). It processed €9.55 billion in 2025 for revenue of €74.8 million, and has reported a profit for three years running, though it booked a €1.4 million net loss in the first half of 2026. HiPay publishes no prices: its pricing page sends you to a sales form, and every rate, fee, payout schedule and contract term is negotiated per merchant. What it sells is a single contract covering cards, a long list of European local payment methods such as Bancontact, Bizum, MB Way, Bancomat Pay and Wero, PAX payment terminals and Tap to Pay in store, its own fraud tool (HiPay Sentinel), and a marketplace product built on escrow accounts. Retail is its core, and regulated online gambling is a fast-growing segment. Its Trustpilot score of 1.8 is dragged down by consumers disputing charges from merchants that use HiPay, not by reviews from merchants.

Pricing clarity: 1.5
Feature set: 4.0
Ease of use: 3.0

CoinGate

CoinGate is a crypto payment gateway run from Vilnius, Lithuania, by UAB Decentralized. The company was registered in 2014 as UAB Virtualios Valiutos and began trading in 2015. Customers pay in crypto at checkout, and the merchant settles in euros, pounds, US dollars, a stablecoin or crypto. On 16 December 2025 the Bank of Lithuania authorised it as a crypto-asset service provider under the EU's MiCA regulation and licensed it as a payment institution. As of October 2026 the Standard plan charges 1% per payment with no monthly or setup fee. Crypto and SEPA withdrawals are free, with a 50 EUR minimum withdrawal, and SWIFT withdrawals cost 0.50% with a 50 EUR minimum fee. Automatic settlement runs weekly. Enterprise pricing is negotiated by volume. CoinGate's own pricing policy says the exchange rate on a payment includes a risk margin on top of the 1% fee, and it does not publish the size of that margin. Merchants must be based in a country on CoinGate's supported list, and that list does not include the United States. Trustpilot withholds CoinGate's rating for a breach of its guidelines and says it has removed fake reviews from the profile. Recent one-star reviews there describe payments held for compliance checks.

1% per payment (Standard plan)

Weekly automatic settlement