Every processor.
Graded on evidence.

Tithe.ly

Payfac / Aggregator

B

Tithe.ly (now styled Tithely) is a US church giving and church software company run from Nashville, Tennessee. Its giving product is free to set up, with no monthly fee or contract. As of September 2026 you pay 2.9% + $0.30 on each card gift, 3.5% + $0.30 on American Express and 1% + $0.30 on ACH bank gifts. Donors can choose to add the fee to their gift. Payments run on Stripe: each church signs Stripe's connected-account agreement and gets a sub-merchant account under Tithe.ly's platform, so approval is quick but the account relationship sits with Stripe and Tithe.ly. Deposits go out weekly on Wednesdays by default, card gifts become available after two business days, and ACH gifts can take up to ten. Tithe.ly also sells church management, apps, websites, messaging and worship planning. It lists these at $19 to $89 a month each, or $119 a month for everything in its All Access bundle. The company grew through mergers: it combined with Australian church-software firm Elvanto in 2018, bought Breeze ChMS in 2021, and has had private equity investment from Accel-KKR since 2022. Reviews on Capterra and Trustpilot are strongly positive. However, the BBB rates it F, largely for leaving complaints unanswered, and recent complaints focus on subscription billing after cancellation.

Scalapay

BNPL Network

B

Scalapay is a buy now, pay later provider founded in 2019 and run from Milan, with an Irish-registered parent company, Scalapay Limited. Its payment services are provided by Scalapay IP S.p.A., an Italian payment institution supervised by the Bank of Italy, which Scalapay acquired as Cabel IP in March 2023. Shoppers split a purchase into three or four monthly payments, or pay later, online or in store. The merchant is paid the full order value less Scalapay's fee, and Scalapay carries the risk that the shopper does not pay. In July 2026 Scalapay said it had more than 13 million users and over 12,000 brand partners, and named Italy, France, Spain, Belgium and Portugal as its markets. Scalapay does not publish each merchant's rate, but its regulated merchant information sheet (version 8, updated 15 June 2026) caps the fee at 10% of the order plus €1.00 per transaction. The agreement has no fixed term, and either side can leave free of charge on 30 days' notice. Scalapay only takes payments in euros and only signs businesses registered in the EU countries it lists, so it is not an option for a US business selling to US shoppers.

iyzico

Payfac / Aggregator

B-

iyzico is a Turkish online payments company. Barbaros Özbuğutu and Tahsin Işın founded it; it was incorporated in Istanbul on 9 May 2013, and it has held a Turkish payment institution licence since 15 July 2016. Its legal name is iyzi Ödeme ve Elektronik Para Hizmetleri A.Ş., and the Central Bank of the Republic of Türkiye lists it as a licensed electronic money institution. PayU, then owned by Naspers, agreed to buy it in 2019 for a reported $165 million. The deal closed on 20 December 2019, and at the end of 2025 PayU Fintech Holdings B.V. owned all of it, with Prosus and Naspers as ultimate parents. iyzico signs Turkish businesses directly and gives them one integration for cards from every Turkish bank, including the bank instalment programmes Turkish shoppers expect. As of September 2026 its Virtual POS page lists 4.29% + TRY 0.25 per successful transaction for companies selling more than TRY 20,000 a month, with no setup or monthly fee; its help centre says that figure includes BSMV, the Turkish banking transaction tax. Payouts are weekly by default, paid in lira. The application asks for Turkish company documents, so it appears to be built for businesses registered in Turkey rather than for foreign companies selling into Turkey.

Tamara

BNPL Network

B-

Tamara is a buy now, pay later provider based in Riyadh. It serves businesses in Saudi Arabia and the UAE, and holds a licence in Bahrain. Abdulmajeed Alsukhan, Turki Bin Zarah and Abdulmohsen Al Babtain founded it in 2020. Shoppers can pay in full, split a purchase into three or four interest-free payments, or take longer plans of up to 24 months that may carry a profit charge. The merchant is paid the full order value less Tamara's fee, and Tamara takes the shopper's credit and fraud risk on approved orders. In August 2026 Tamara reported more than 25 million customers and over 130,000 partner merchants. The Saudi Central Bank (SAMA) licensed its Saudi company, Tamara Finance, for consumer finance and buy now, pay later in early 2025 (the licence is dated February and SAMA announced it in March). That company's audited 2025 accounts show a net profit of SAR 193 million, after a loss in 2024. Tamara does not publish its merchant rates. Each merchant's fixed and variable fee is set in its onboarding form. Payouts go out weekly on Tuesdays. According to Tamara's merchant help docs, on the default plan they wait until your balance reaches SAR/AED 2,500, and on the weekly plan a payout under that amount costs SAR/AED 25. The published Merchant Terms let Tamara hold up to 75% of each weekly payout and release it monthly, raise fees on 10 days' notice, and end the agreement for any reason it deems necessary. Either side can leave on 60 days' notice.

Paymob

Payfac / Aggregator

B-

Paymob is a payment provider for businesses in Egypt, the UAE, Saudi Arabia and Oman. Islam Shawky, Alain El Hajj and Mostafa Menessy started it in 2015 as students at the American University in Cairo. It signs merchants directly through local companies in each country and handles online card payments, payment links, subscriptions, instalments, mobile wallets and, in Egypt, card terminals. When it announced a $35 million pre-Series C round in September 2026, co-led by Mubadala and the EBRD, it said it serves more than 390,000 merchants across those four countries and that the Gulf now brings in close to half its revenue. Its UAE company is on the Central Bank of the UAE's register as a Category III retail payment services licensee, and it announced a full payment service provider licence from the Central Bank of Oman in January 2024. As of September 2026 its pricing pages list per-transaction rates in local currency: 2.75% + EGP 3 in Egypt, 2.9% + AED 1 in the UAE, and in Saudi Arabia 1% + SAR 1 on mada, 2.7% + SAR 1 on Visa and Mastercard and 3.5% + SAR 1 on international cards. Other Saudi pages show different card rates. Payouts are weekly in Egypt and the UAE and twice a week in Saudi Arabia. Read the country terms before you sign: the UAE terms tie you in for 24 months and add a monthly charge if you process less than AED 10,000. The UAE and Saudi terms both let Paymob withhold settlements and keep disputed amounts for 120 days or longer.

CardX

ISO

B

CardX is a US credit card surcharging service owned by Stax Payments. Jonathan Razi founded it in 2013, and Stax bought it in November 2021, when CardX had about 2,600 customers. It still trades as 'CardX by Stax' from Chicago. The idea is simple: when a customer pays by credit card, CardX adds a 3% surcharge that covers your processing cost, so on a $100 sale the customer pays $103 and you receive $100. Card-brand rules do not allow surcharges on debit cards, so CardX detects them, charges the customer nothing extra and charges you 1.25% + $0.25 instead. On top of that you pay a subscription that starts at $99 a month. As of September 2026 CardX publishes all of this on its pricing page, promises next-business-day funding and charges no cancellation fee; either side can end the service on 30 days' notice. CardX handles card-brand registration, signage, disclosures and receipts, but its terms leave legal responsibility for surcharging compliance with you. It does not serve businesses in Connecticut or Massachusetts. It says it serves Maine under unpublished terms, although Maine's statute says sellers may not surcharge card payments, and New York and Colorado law add extra conditions. CardX has an A+ rating from the BBB with no complaints, but almost no public customer reviews anywhere.

Unzer

Payfac / Aggregator

B-

Unzer is a German payments group that sells online payments, card terminals, cash-register software and white-label buy-now-pay-later to small and mid-sized merchants, mainly in Germany and Austria, with a Danish arm (Clearhaus and Quickpay) serving webshops in the Nordics. It began in 2003 as heidelpay, co-founded in Heidelberg by Mirko Hüllemann, grew through about a dozen acquisitions under private-equity owners AnaCap and then KKR, and took the Unzer name in September 2020. The group company, Unzer Group GmbH, is registered in Berlin. Merchants contract with Unzer Luxembourg S.A. (a CSSF-supervised payment institution) or Unzer E-Com GmbH (a BaFin-supervised payment institution in Heidelberg), with Unzer POS GmbH and Tillhub GmbH supplying terminals and till software. Unzer says it had €225.0 million of revenue and 90,000 merchants in 2025. As of September 2026 its English pricing page quotes online payments from 1.50% + €0.20 and in-store payments from 0.99% + €0.20, and its terminal shop lists the POS Go all-in-one till at €0 a month with card fees from 1.29%, but most real prices are set in a quote and the contract length is not published. The history matters: in 2022 BaFin fined Unzer E-Com €350,000 and banned it from taking on new customers over anti-money-laundering failings, and Luxembourg's CSSF fined Unzer Luxembourg €145,000. BaFin partly eased the ban in March 2024 and lifted it fully in October 2024. In 2023 KKR agreed to hand majority control to the company's lenders, according to press reports.

Tabby

BNPL Network

B-

Tabby is a buy now, pay later provider for businesses in Saudi Arabia and the UAE. Hosam Arab and Daniil Barkalov founded it in Dubai in 2019, and it is now headquartered in Riyadh. Shoppers split a purchase into four interest-free monthly payments, or into 6, 8 or 12 payments for bigger baskets. The merchant is paid the full amount less Tabby's fee and does not carry the shopper's credit or fraud risk. Tabby says it has been profitable since 2023. In its September 2026 funding announcement ($233 million at a $6.5 billion valuation, led by Blue Pool Capital and still subject to regulatory approval), it reported more than $18 billion in annualised transaction volume, 25 million registered users and 70,000 business partners. The Saudi Central Bank licensed Tabby Finance as a buy now, pay later company in November 2025 and granted it consumer and SME finance licences in June 2026. In the UAE, its Pay Later credit is provided by Tabby LLC and its Tabby Cash wallet runs under a Central Bank of the UAE Stored Value Facilities licence. Tabby publishes how its pricing works but not the rates. Each merchant gets a percentage commission set by industry and business profile, plus a fixed fee per successful order, both written into its contract. Payouts go out weekly on Mondays, with a payout fee of AED/SAR 6, or AED/SAR 25 on payouts under 2,500. The published UAE Merchant Terms (v2.0.0, 17 July 2026) let Tabby impose a reserve held for 180 days or longer and withhold settlements. Either side can walk away on 30 days' notice.

PayU (India)

Payfac / Aggregator

B-

PayU India is the Indian payment gateway of Prosus, the Amsterdam-listed technology group majority owned by Naspers. According to PayU's own timeline the gateway was launched in 2011 by ibibo, the Naspers-backed Indian internet group, and demerged from it as PayU India in 2014; it bought Citrus Pay in 2016 and the card-authentication company Wibmo in 2019, and is run by Anirban Mukherjee, who became global PayU chief executive in October 2023. This review covers PayU India only: Prosus agreed in 2023 to sell PayU's businesses outside India, Turkey and South-East Asia to Rapyd for US$610 million, Rapyd completed the Latin American and African part in March 2025, and PayU sites in other countries are different companies with different terms. The contracting entity, PayU Payments Private Limited of Gurugram, received final RBI authorisation as an online payment aggregator in May 2025 and, according to November 2025 press reports, an integrated authorisation covering online, offline and cross-border payments. That came after the RBI returned its first application in January 2023 and PayU stopped onboarding new online merchants until it announced in-principle approval in April 2024. As of September 2026 PayU's pricing page lists 2% for domestic Visa and Mastercard cards, net banking, BNPL and wallets and 3% for Diners, American Express, EMI and international transactions, plus 18% GST, with no setup fee and T+2 standard settlement. UPI, priority settlement, POS and detailed international pricing are quoted, not published. The trade-offs are terms that let PayU hold settlements, demand reserves and keep funds for 210 business days after termination, and weak public merchant feedback.