Every processor.
Graded on evidence.

Tap Payments

Payfac / Aggregator

B-

Tap Payments is a payment gateway and payment facilitator for businesses in the Gulf and wider Middle East. It started in Kuwait, says it was founded in 2014 by Ali Abulhasan (other sources give 2012 or 2013), and is now licensed by the central bank or its equivalent in all six GCC states and in Egypt. Merchants sign a contract with Tap's local company and accept local debit schemes (KNET in Kuwait, mada in Saudi Arabia, Benefit in Bahrain), Visa, Mastercard, Amex, Apple Pay and regional wallets and buy-now-pay-later options through one integration, plus payment links, invoicing and card terminals in Kuwait. Tap publishes maximum prices in its country terms and conditions. As of October 2026 the Kuwait terms list KNET at 1% + 100 fils and local Visa and Mastercard at 2.75% + 100 fils, with up to 25 KD a month or a setup fee of up to 500 KD. The Saudi terms list mada at 1% and local cards at 2.5%, each plus a 1 SAR service fee. The UAE terms list local cards at 2.75% + 1 AED, with payouts five days after the transaction. Contracts run for a year and renew automatically, with 30 days' notice to leave. Tap says it serves more than 100,000 businesses, including large regional brands, but its Trustpilot profile scores 1.7 from 155 reviews (44% one-star, 42% five-star), with complaints about closed accounts and funds held for long periods.

Peach Payments

Payfac / Aggregator

B

Peach Payments is a Cape Town payments company founded in 2012 by Rahul Jain and Andreas Demleitner. Its South African operating company is Peach Payment Services (Pty) Ltd, and Jain is still chief executive. It started as an online payment gateway and now also offers payment links, recurring billing, payouts to bank accounts, card terminals and, through a partner, business cash advances. It has offices in South Africa, Kenya and Mauritius, and in 2025 it agreed to buy PayDunya, a Senegalese gateway operating in six French-speaking West African countries. Apis Partners led a US$31 million (EUR 29 million) Series A in 2023; Launch Africa, an early investor, sold its stake to 27four's Nebula Fund in 2026. That changed who the investors are, not who controls the company. As of October 2026 its fees page lists 2.95% + R1.50 per transaction (ex VAT) for 3-D Secure payments on South African cards under its Growth plan, with no setup or monthly fee and free next-business-day settlement in rands. Kenyan and Mauritian pricing is quoted per account. Its published merchant agreement has no minimum term and lets you cancel on written notice.

Conekta

Payfac / Aggregator

B-

Conekta is a Mexico City online payment company for businesses that sell in Mexico. It takes cards, meses sin intereses (interest-free instalments), SPEI bank transfers, cash payments at stores and BBVA cash machines, Apple Pay, Google Pay, pay-by-bank through BBVA and buy now, pay later. As of October 2026 its published rate for small and mid-size businesses is 3.4% + MX$3 per card sale, MX$12.50 per SPEI transfer and 2.6% + MX$3 per cash payment, all plus 16% IVA. There is no monthly fee and no fixed contract term. Either side can end the agreement on 30 days' written notice. Card sales are deposited two business days later. Conekta signs merchants as a payment aggregator under acquiring banks, but in September 2026 it announced CNBV authorisation to act as a direct non-bank acquirer. In 2024 it sold the cash business behind OXXO Pay to FEMSA, and its current cash network and terms no longer list OXXO. Public review data is thin, and the terms let Conekta hold funds for up to 540 days.

Wise Business

Bank / A2A Payments

B-

Wise Business is the business version of the Wise multi-currency account, run by Wise, the London company that launched as TransferWise in 2011. A US business pays a one-time $31 fee to open local account details in 22 currencies, and there is no monthly fee. As of October 2026, US pricing makes domestic (non-wire) receipts in USD and eight other currencies free and charges $6.11 for each incoming USD wire or Swift payment. Conversion fees start at 0.23% and depend on the currency, always at the mid-market rate, and same-currency payments between Wise accounts are free. Clients can pay you through payment links, invoices and QR codes. Wise also has a card acceptance feature, priced for US businesses at 2.9% + $0.30 for domestic consumer cards and 4.2% + $0.30 for international and business cards, but Wise says it is currently unavailable to new Wise Business customers. Wise is not a bank: in the US the account is provided by Wise US Inc., a licensed money transmitter, and balances are not FDIC-insured unless you opt in to its interest feature. Its US regulatory record is the main weakness. Wise US settled with the CFPB in 2025 and paid $4.2 million to six state regulators over anti-money-laundering failings, the OCC refused its trust bank charter in July 2026, and a securities class action against Wise Group is pending.

Windcave

Platform / Acquirer

B-

Windcave is a New Zealand payments company, founded in Auckland in 1999 as Direct Payment Solutions (DPS). It traded as Payment Express from 2015 and as Windcave from 1 July 2019. It sells three things that most providers split up: an online payment gateway, payment terminals it designs and builds itself, and merchant acquiring, meaning it can hold your merchant account as well as carry your transactions. It acquires cards in New Zealand, Australia, the UK, Canada, the EU and the US, and it is strongest in unattended payments such as parking, vending and kiosks. Windcave publishes no prices. Gateway fees, terminal rental and merchant service rates are all quoted per account, on blended, interchange-plus or interchange-plus-plus pricing depending on the country. Its merchant FAQ says acquiring agreements run for 36 months, while its published standard terms define a one-month term that renews automatically, and those terms set an early-termination fee of at least NZ$400, A$400, £400 or €400 per merchant facility. Funds generally settle the next business day. Windcave is privately owned by its founder and chief executive, Andrew (Andy) Cullen. Public review data is thin: eight one-star Trustpilot reviews and no BBB profile, as of October 2026.

Pushpay

ISO

B-

Pushpay is a church giving and church management company. It was founded in Auckland, New Zealand, in 2011 and now runs its US business from Redmond, Washington, with an office in Colorado Springs. It was listed on the NZX and ASX until May 2023, when a company owned by entities associated with investment firms BGH Capital and Sixth Street bought it and took it private. Pushpay sells digital giving on its own, or bundled with church management software and a branded app as ChurchStaq (ParishStaq for Catholic parishes). It also owns Resi, a church live-streaming service. In the US, its subsidiary Pushpay Processing, Inc. describes itself as a registered ISO of KeyBank, and churches sign a card merchant agreement with Fiserv and KeyBank. In Australia and New Zealand the only processing partner Pushpay lists is Stripe, and it lists Stripe's connected-account agreement for the US and Canada too. Software is quote-based. As of August 2026, Pushpay's own blog gives card rates of 2.1% to 2.9% + $0.20 to $0.30 and ACH rates of 0.5% to 1.0% + $0.20 to $0.30, variable based on total giving volume. Contracts run one, two or three years (36 months unless the order form says otherwise), renew automatically and cannot be cancelled early without paying the balance. The BBB rates Pushpay A+, and it scores 4.2 from 183 reviews on Capterra.

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.