Every processor.
Graded on evidence.

Ziina

Payfac / Aggregator

B

Ziina is a Dubai payments app for UAE freelancers and small businesses, run by Ziina Payment LLC under licences from the Central Bank of the UAE (CBUAE). It started in 2020 as a consumer app for paying friends with a phone number. It now sells payment links, an online payment gateway with Shopify and WooCommerce plugins, QR and NFC acceptance, and Tap to Pay on iPhone and Android. Pricing is published, and as of October 2026 a business pays 2.6% + AED 1 on every payment it receives, whatever the method. International cards and non-AED currencies cost an extra 1.5%, and 5% VAT is added to the fee only. There is no monthly fee, setup fee or contract. Funds land in a Ziina wallet and are cashed out to a UAE bank account once a day, within two business days for amounts under AED 25,000, according to Ziina. Cash-outs are free until 31 October 2026 and cost AED 1 each from 1 November 2026. Ziina signs up each business directly under its own terms, so approval is fast. The trade-off is that those terms give it wide powers to hold settlement and close accounts. Ziina's own FAQ says it may hold funds for 45 to 120 days when it terminates an account, and in 2026 a run of Trustpilot reviews describes exactly that.

Stancer

Platform / Acquirer

B-

Stancer is a French payment institution about 90% owned by iliad SA, the telecoms company behind Free. It is authorised by the ACPR as a payment institution, including for acquiring, and acquires card payments itself, so the merchant contract is with Stancer rather than a bank. It sells to French small businesses through a payment terminal, Tap to Pay on iPhone and Android, payment links and an online checkout API, and it also handles SEPA Direct Debit. Pricing is published and low. As of October 2026 (live pricing page and Pricing Conditions dated August 2024), French CB cards and Visa and Mastercard cards issued in the EEA cost 0.7% + €0.07 on Stancer's terminal, with no fixed fee under €7, and 0.7% + €0.15 for Tap to Pay, links and online payments. Visa and Mastercard cards issued outside the EEA cost 2.5% plus a fixed fee. All prices exclude tax. There is no setup fee, no monthly fee and no fixed term, and the terminal is free in a month with more than 150 transactions on it (the product page says 150 or more), or €15 a month otherwise. The trade-offs are real. Funds reach your bank within seven working days rather than the next day, and faster payout costs 2% of the amount. Stancer does not accept American Express, chargebacks cost €25 on Visa and Mastercard, and the contract makes you pledge a cash collateral that it can top up from your balance and keep for 13 months after you leave. Trustpilot reviews are split, with complaints about frozen funds and slow support.

Paymentwall

Payfac / Aggregator

C+

Paymentwall is a San Francisco payments company, founded in 2010, that lets online businesses selling digital goods and services take cards and, by its own count, more than 150 local payment methods such as e-wallets, bank transfers, prepaid cards and cash options. Merchants contract with Paymentwall Inc., which collects payments through its own acquiring and payment-method partners and then pays out what is left after its revenue share and other deductions. As of October 2026 Paymentwall publishes no price list: the pricing page its terms still point to has returned a 404 since at least December 2025, so rates are quoted per account. The terms are restrictive for a small business. The agreement runs for one year and renews automatically. Payouts go out once a month, with a $100 minimum, and many payment methods pay Paymentwall on Net 30 terms or longer. A rolling reserve starts at 5% of gross sales and is released after six months, and Paymentwall can delay payment for up to six months after termination. Its terms send unresolved complaints to the UK Financial Ombudsman Service. The BBB rates Paymentwall A+ and it is BBB-accredited, while Trustpilot shows a 3.0 score, with many negative reviews from shoppers whose purchases or accounts were blocked pending identity checks.

NOWPayments

Gateway / Orchestration

B-

NOWPayments is a cryptocurrency payment gateway launched in 2019 by the team behind the ChangeNOW crypto exchange. It lets a business take payments in more than 350 crypto assets through an API, invoices, payment links, plugins, donation widgets, subscriptions and a browser-based point of sale. Each payment can be forwarded to the merchant's own wallet or held in an optional custody balance, which a third-party provider runs. As of October 2026 its pricing page lists a 1% service fee on payments received and settled in the same coin and 1.5% when the payment is converted or taken at a fixed rate, plus blockchain network fees. Payouts and mass payouts carry no service fee, only network fees. There is no monthly fee, setup fee or contract. The operator is FD Transfers LLC, registered in St. Vincent and the Grenadines with a postal address in Tallinn, Estonia. Its Terms of Service, updated 19 October 2026, say (in section 15.1) that the services are not provided to residents or citizens of the United States, the United Kingdom, the European Union, the UAE or Russia, and that the company can close an account at any time without giving a reason. The US, UK and EU exclusion was already in the April 2026 terms; the UAE and Russia were added later in 2026. We found no regulator licence for NOWPayments itself. Trustpilot rates it 4.5 from 1,122 reviews, but 13% are one-star, and some of those describe blocked accounts and withheld funds.

Easebuzz

Payfac / Aggregator

B-

Easebuzz is a payment aggregator based in Pune, India. It sells an online payment gateway (UPI, cards, netbanking, wallets, EMI and pay-later), payment links, subscriptions and eNACH, split payments, virtual-account collections, payouts, card terminals, UPI soundboxes and cross-border collections, alongside sector software for schools, housing societies, temples, real estate and lenders. The operating company, Easebuzz Private Limited, was incorporated in December 2014 and launched its service in 2016. The Reserve Bank of India's list of authorised payment system operators shows it holding payment aggregator authorisation for online payments (dated 10 February 2025), plus physical and inward-and-outward cross-border payments. Easebuzz is for Indian businesses only: merchants are settled in rupees, including on foreign payments. It publishes no per-transaction rates. Its pricing page says pricing is customised and shared by email after you sign the agreement. GST is charged on its fees. The pricing page promises settlement one working day after the transaction, but the published terms allow up to three working days. Easebuzz reports ₹723 crore of FY26 revenue and a ₹11.15 crore profit after tax, more than 3 lakh merchants and close to US$50 billion in annual payment volume, and says it has been profitable every year. Its Trustpilot profile is small and mostly negative, and merchant accounts on its platform have been caught up in two fraud investigations, an Enforcement Directorate funds freeze in 2022 and a Delhi Police probe in 2024, neither of which has produced a finding against Easebuzz that we could find.

Comgate

Platform / Acquirer

B

Comgate is a Czech payment institution, licensed and supervised by the Czech National Bank, that sells an online payment gateway for e-shops and card terminals for shops and restaurants. Its legal entity is Comgate a.s., registered in Hradec Králové, with a second office in Prague. It is also a Visa and Mastercard card acquirer, so for most merchants the payment contract is signed directly with Comgate rather than a bank. As of October 2026 it publishes full price lists in Czech crowns (and euro lists for Slovakia). On the Easy plan you pay a flat 1% on EU consumer cards and 2% on other cards. On the Profi plan you pay 0.67% + CZK 1 on EU consumer cards, with higher rates for business and non-EU cards. New merchants get introductory rates for three months, and first-time card merchants can use a Start plan that is free up to CZK 50,000 a month for six months. The gateway's CZK 100 monthly fee is waived above CZK 100,000 of monthly volume. Payouts go out every working day, usually the day after the purchase. The contract has no fixed term and can be ended on two months' notice with no fee. Comgate signs merchants based in the Czech Republic and Slovakia; businesses elsewhere are assessed case by case. It accepts Visa and Mastercard, not American Express. Independent review data is thin: Firmy.cz shows 3.3 out of 5 from 57 ratings, and we found no regulatory enforcement naming the company.

Cielo

Platform / Acquirer

B

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.

Buckaroo

Payfac / Aggregator

B-

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.

Alma

BNPL Network

B

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.