Every processor.
Graded on evidence.

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.

$0.50 per bank debit, plus $25/month

5 business days after the debit date

CCAvenue

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.

2.00% + 18% GST (domestic)

Weekly, unless agreed otherwise

Billplz

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.

FPX MYR 0.75–1.25 flat; cards 1.5%–1.8%

FPX next business day; cards T+2

Wompi

Wompi is a Colombian payment gateway and payment aggregator owned by Bancolombia, part of Grupo Cibest. It is run by WOMPI S.A.S. in Medellín. This review covers Wompi Colombia. The Wompi brand also runs in El Salvador, Panama and Guatemala, but those services have their own terms and pricing. A merchant opens an account online and accepts most of Colombia's common payment methods through one checkout: credit and debit cards, PSE bank transfers, Nequi, the Bancolombia button and QR, Daviplata, cash at Bancolombia correspondents, Puntos Colombia, and buy now, pay later. As of October 2026 the main plan costs 2.65% + COP 700 + VAT per successful transaction, whatever the method, and international cards cost nothing extra. Since 30 September 2026, QR payments cost 1% + VAT. In-person card payments, including contactless payments taken on a phone, cost 1.98% + VAT, a rate Wompi says it has kept. There is no fixed contract term or monthly fee. Payouts arrive the next business day, but only to a Bancolombia or Nequi account. Sending money to another bank goes through Wompi's paid payouts service. The merchant terms only accept businesses and individuals domiciled in Colombia. They also let Wompi hold funds for up to 180 days over fraud alerts or chargebacks, and keep a reserve of up to 15% of sales from higher-risk or higher-volume merchants. Wompi is large and owned by Bancolombia. It reported about COP 50 trillion processed in 2025. The few public user reviews are poor, though, and mostly about declined payments and support.

2.65% + COP 700 + VAT per sale

Next business day (Bancolombia/Nequi)

Ozow

Bank / A2A Payments

Ozow is a South African payments company, based in Cape Town, that started out in instant EFT ('pay by bank') and has since added cards, PayShap requests, bank-app payments, vouchers, crypto and buy now, pay later. It was founded in 2014 as i-Pay by Thomas Pays, Mitchan Adams and Lyle Eckstein, renamed Ozow in 2019, and raised a $48 million Series B led by Tencent in November 2021. As of October 2026 its published Standard package charges 1.5% (minimum R1.00) for pay by bank, Capitec Pay, Absa Pay, Nedbank Direct EFT, PayShap Request and crypto, 2.85% for local cards falling to 2.65% in higher bands, and 3.5% for international cards, with no setup or subscription fee. Payouts and refunds cost R3.00 each. Merchants sign with Ozow itself, which collects funds as their agent and settles them on a schedule: pay-by-bank money once a day, card money typically once a week. Ozow is registered with the Payments Association of South Africa as a system operator and as a third-party payment provider sponsored by seven banks. The weak points are service and stability. HelloPeter rates it 1 out of 5 and Ozow does not respond there. In April 2025 MyBroadband reported that its co-founder and CEO had been suspended amid a dispute with shareholders, and as of September 2026 the company is led by an interim CEO.

1.5% pay by bank; 2.85% local cards

Pay by bank daily; cards weekly

Pin Payments

B

Pin Payments is an online card payment service for small and mid-size businesses in Australia and New Zealand. It was set up in Perth in 2011, launched in April 2013 and is now based in Melbourne. You do not need your own merchant account: Pin signs you up, approves most accounts within one to two business days, and by default pays you out two business days after each sale. As of October 2026, its pricing page lists 1.6% + 30c for domestic cards in Australia (GST included) and 1.9% + 30c in New Zealand (plus GST). International cards cost 3.4% + 30c in both countries, on the same GST basis as the domestic rate. There is no setup fee, monthly fee or lock-in contract, and a lost dispute costs $25. Pin covers online checkout, Xero invoice payments, recurring billing, a hosted payment page, a dashboard virtual terminal and APIs for platforms and payouts. It does not sell a card reader. Ownership has changed twice: Checkout.com bought Pin in May 2020, and Sydney payments company Fat Zebra bought it from Checkout.com in December 2024. Pin's terms are now a schedule to Fat Zebra's master agreement. Independent reviews are few but positive.

1.6% + 30c AU; 1.9% + 30c NZ (domestic)

2 business days by default, paid daily

Expert grade BRead review →

PayTabs

Gateway / Orchestration

PayTabs is a Riyadh-based payments company founded in Saudi Arabia in 2014 by Abdulaziz Al Jouf. It sells a payment gateway to online merchants across the Gulf and North Africa, a payment orchestration and switching platform to banks and large enterprises, and the Paymes Super App for small Saudi businesses. We review it from the point of view of a merchant in Saudi Arabia, where PayTabs publishes the most. There, PayTabs is a technology layer rather than your acquirer: its gateway terms say you sign a separate processing and settlement agreement with a partner bank or payment service provider, which sets your card rates, handles chargebacks and pays you out. PayTabs charges on top of that. As of October 2026 its Saudi gateway agreement lists a one-time SAR 999 setup fee, SAR 199 a month and SAR 1 per transaction, before VAT. The Paymes app is priced separately at SAR 49 a month, with mada cards at 1% and credit cards at 2.25% + SAR 1, which PayTabs labels a testing-phase price. Outside Saudi Arabia the only published prices we found are per-transaction plans on its Egypt page; other markets are quoted by sales. The contract has no fixed term, and either side can end it on 60 days' notice, but fees already paid, including the setup fee, are not refunded. Trustpilot rates it 2.6 out of 5, and recent reviews describe slow payouts, frozen funds and support that is hard to reach.

Paymes (KSA): mada 1%; cards 2.25% + SAR 1

Midtrans

Midtrans is an Indonesian online payment gateway run by PT Midtrans from Jakarta. It launched in 2012 as Veritrans Indonesia, a joint venture with Japanese partners, renamed itself Midtrans in 2016 and was bought by Gojek in December 2017. Gojek merged with Tokopedia in 2021 to form GoTo, and Midtrans now sits in GoTo Financial alongside GoPay. It lets a business with an Indonesian legal presence take rupiah payments online by card, bank virtual account, GoPay and other e-wallets, QRIS, convenience-store cash and pay-later, through a hosted checkout, an API, plugins or payment links. Pricing is published per method with no setup or monthly fee. As of October 2026, cards cost 2.9% + IDR 2,000, virtual accounts IDR 4,000 and QRIS 0.7%. Most fees are quoted before Indonesian VAT (PPN), which is deducted on top. QRIS, GoPay and ShopeePay are the exceptions. On its standard aggregator model Midtrans signs the merchant, collects the funds and pays them out. Its help centre says money can be withdrawn three business days after a payment settles. The merchant terms are accepted during sign-up and are not published on midtrans.com; an undated copy we found describes a one-year, automatically renewing agreement and lets Midtrans hold payouts when it suspects fraud. Public reviews are thin, and the complaints we found describe withdrawals blocked while an account was under review.

Cards 2.9% + IDR 2,000; VA IDR 4,000

3 business days after settlement

PayPro Global

Merchant of Record

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.

Monthly, around the 15th