Every processor.
Graded on evidence.

B

Moniepoint is a Nigerian business banking and payments group, founded in 2015 as TeamApt and renamed Moniepoint in January 2023. A merchant opens a free business account with Moniepoint Microfinance Bank, which the Central Bank of Nigeria (CBN) licenses. It can then order a card terminal that also accepts bank transfers. Its sister company TeamApt Limited holds a CBN switching and processing licence and runs Monnify, the group's online payment gateway. As of November 2026 Moniepoint's own pages show a POS payment fee of about 0.5%, charged in ₦1,000 bands and capped at ₦100, plus 7.5% VAT, and a one-off ₦21,500 charge to get a terminal. Monnify charges 1.5% capped at ₦2,000 for local cards, USSD and bank transfers, and 4% for international cards, all excluding VAT. POS payments land in the merchant's Moniepoint account immediately, and Monnify settles the same day by 10pm. Moniepoint calls itself Nigeria's largest merchant acquirer and says it handles 8 in every 10 in-person payments in the country. Its business app has 4.6 stars on Google Play from about 272,000 ratings. However, Trustpilot reviews are split between five stars and one star, mostly over stuck transfers and blocked accounts. In April 2024 Moniepoint was one of several fintechs that paused new account opening for about five weeks after a CBN directive, according to TechCabal and Nairametrics.

1.5% capped at ₦2,000 via Monnify

Instant to your Moniepoint account (POS)

Expert grade BRead review →

Epoch

Payfac / Aggregator

Epoch is an online billing company that has processed payments for subscription and digital-content websites since 1996, and it has long served the adult entertainment industry. It calls itself a Visa and Mastercard payment facilitator. Merchants do not get their own merchant account: Epoch runs the payment pages, stores card data and handles cancellations and billing questions 24 hours a day. "Epoch.com", not the website's name, is what shows on the customer's card statement. As of November 2026, its published pricing is a single all-in percentage of sales. New accounts start at 15%, and the rate steps down to 13.25% as average weekly volume rises. There is no transaction, monthly or setup fee. A refund costs $1, a chargeback costs $12.50, and digital-content merchants based in the US or EU pay a $1,950 card-network registration fee each year. Epoch says it holds no reserve and takes no security deposit. It accepts merchants only from the US and from countries in the card networks' Europe region. It does not publish its payout schedule or contract length. Epoch.com, LLC is a defendant in a proposed class action filed in October 2025 by plaintiffs who allege they were trafficked by GirlsDoPorn, a former Epoch client. The court dismissed the first complaint with leave to amend, an amended complaint is pending, and no liability has been found.

15% of sales, down to 13.25% with volume

Antom

Antom is the merchant payments brand of Ant International, the Singapore-based company that runs Alipay+, WorldFirst and Bettr. It acquires card and wallet payments for online and in-store merchants through its own licensed companies in Singapore, the UK, the EU and the US. It says it supports more than 300 payment methods in over 200 markets, with unusually deep coverage of Asian e-wallets such as Alipay, GCash, DANA, Kakao Pay and Touch 'n Go. Around that sit hosted checkout, embedded payment elements, payment links, subscriptions, usage-based billing, invoicing, tax tools, fraud screening and a payment orchestration layer. Antom does not publish its processing rates. Larger merchants negotiate a contract, and Shopify and WooCommerce merchants sign up online at a rate Antom does not show publicly. Its published terms let it hold a reserve and a rolling reserve at its discretion, and keep collateral for at least 180 days after the account closes. Its US company, AUS Merchant Services (formerly Alipay US), agreed in July 2026 to pay an $85 million criminal penalty and forfeit $190 million under a non-prosecution agreement with the US Department of Justice. The agreement resolved allegations under the federal Food, Drug, and Cosmetic Act, and AUS admitted anti-money-laundering failures that let some Alibaba.com merchants use its services to sell prohibited products, including pharmaceuticals, into the US. Independent merchant reviews are too few to judge. This review is written for online businesses selling across borders, particularly into Asia, and contracting with Antom's Singapore company or one of its US, UK or EU companies.

T+5 on Shopify card plugin (US T+7)

PAY.JP

Payfac / Aggregator

PAY.JP is an online card payment API for businesses in Japan. It is run by PAY, Inc. (PAY株式会社) in Tokyo, a wholly owned subsidiary of the listed e-commerce company BASE, Inc. Merchants integrate it with an API, client libraries and mobile SDKs, and accept Visa, Mastercard, JCB, American Express, Diners Club and Discover in Japanese yen, plus Apple Pay and, through API v2, PayPay. Pricing is published in full. As of November 2026 the free Standard plan charges 3.3% on every card brand. The Business plan charges 2.78% for ¥20,000 a month, and the Enterprise plan charges 2.59% on Visa and Mastercard and 2.7% on other brands for ¥50,000 a month. There is no setup fee, no refund fee, and refunds cancel the processing fee. Each payout costs ¥250. Funds are paid slowly by international standards: with the default monthly cycle, a month's sales arrive at the end of the following month, and a twice-monthly cycle is available. PAY.JP signs the card companies' merchant agreements on your behalf as your agent, so you never deal with an acquirer directly. It serves only Japanese companies and residents, and it does not accept adult, gambling, crypto or tobacco merchants. Public review data is thin.

3.3% on the free Standard plan

Month-end close, paid end of next month

InfinitePay

B+

InfinitePay is the Brazilian merchant brand of CloudWalk, a São Paulo payments company founded in 2013 that launched InfinitePay in 2019. Its legal entity, CloudWalk Instituição de Pagamento e Serviços Ltda., is authorised by the Banco Central do Brasil as a payment institution and acquirer, so it signs the merchant agreement itself. Merchants take cards on the R$199 Maquininha Smart terminal, on their own phone through InfiniteTap or Tap to Pay on iPhone, or online through payment links and a checkout API. Pix is free, and so is the business account the money lands in. There is no rent, monthly fee or fixed-term contract. Card rates are published in full and fall across four tiers as last month's card sales rise. As of November 2026, a seller under R$20,000 a month pays 1.37% on Visa and Mastercard debit, 3.15% on a single credit payment and 12.40% on 12 instalments, with every instalment paid out the next business day. Instant payout costs more: 2.29% debit and 5.49% credit. Sellers above R$20,000 a month can choose to wait for instalments and pay much less, from 1.62% on credit. Reclame Aqui gives InfinitePay its top RA1000 rating, and the Central Bank's complaint index for the third quarter of 2026 puts it among the lowest of Brazil's 15 largest institutions. Recurring complaints concern accounts blocked with money inside, which the contract lets InfinitePay hold for up to 180 days after closing an account on suspicion of fraud.

Link: 4.20% credit 1x (D+1); Pix free

Next business day, instalments included

Expert grade B+Read review →

Atome

BNPL Network

Atome is a buy now, pay later (BNPL) provider based in Singapore and sold across Southeast Asia. Shoppers split a purchase into three interest-free payments, or choose a longer plan for a fee. The merchant gets paid the order value less Atome's fee and does not carry the risk if the shopper stops paying. This review uses Singapore as its basis, where the operating company is Apaylater Financials Pte. Ltd., licensed by the Monetary Authority of Singapore (MAS) as a Major Payment Institution. Atome does not publish merchant pricing. Its help centre says there is no setup fee and a per-transaction merchant discount rate (MDR) agreed by quote. The Singapore merchant contract template on its merchant portal, dated November 2020, runs for 12 months and renews automatically. It also adds refund, cross-border and lead-generation fees, lets Atome hold a reserve, and bars the merchant from engaging another BNPL provider without Atome's consent. Atome is part of Atome Financial, a unit of Singapore's Advance Intelligence Group. In September 2026 Grab agreed to buy 60% of Atome Financial for US$1.49 billion. The deal is expected to complete by the third quarter of 2027, subject to approvals. Shoppers rate the Singapore app highly, though a small Trustpilot sample is mostly negative.

Pricing clarity: 2.0
Feature set: 4.0
Ease of use: 3.5

TrueLayer

Bank / A2A Payments

TrueLayer is a London open banking company that sells Pay by Bank: customers pay straight from their bank account through their banking app instead of using a card. Francesco Simoneschi and Luca Martinetti founded it in 2016. It is an authorised electronic money institution with the UK Financial Conduct Authority (FRN 901096), and its Irish subsidiary is a Central Bank of Ireland payment institution that serves the EEA. As of October 2026 the company says it is live in 22 countries, has more than 30 million users and handles over $150 billion a year in payment volume. Its products are one-off bank payments, instant payouts and refunds, recurring payments by variable recurring payment (VRP) or Direct Debit mandate (sold as Bank on File), identity data at sign-up (Signup+) and account data. Its named customers include large merchants such as eBay, Ryanair, Just Eat and Bet365. TrueLayer publishes no prices. Rates are quoted per account, and for merchants using a TrueLayer merchant account its fees come out of that balance each day. One-off bank payments have no card-style chargebacks, which helps merchants and gives customers less recourse; Direct Debit payments are the exception, because they carry the Direct Debit Guarantee. TrueLayer completed its purchase of Zimpler in the Nordics in March 2026 and announced the acquisition of in3 in the Netherlands in May 2026. Its Trustpilot score is poor, but most reviews come from consumers paying through TrueLayer rather than from merchants.

Swept hourly to fortnightly, your choice

Getnet

Getnet is the Brazilian card acquirer owned by Grupo Santander. It was founded in 2003 in Campo Bom, Rio Grande do Sul, bought by Santander Brasil between 2014 and 2019, briefly listed on B3 and Nasdaq in 2021, and taken private again by Santander's payments arm, PagoNxt, in 2022 and 2023. It is authorised by the Banco Central do Brasil as a payment institution and signs the merchant agreement itself. Getnet sells card machines (Get Lite, Get Clássica, Get Smart), Get Tap for Android phones, a payment link, an e-commerce checkout and gateway, recurring billing, Pix and receivables prepayment, with sales paid into its own Get Conta account. Unlike many bank-owned acquirers it publishes rates. The rented-terminal table on its machines page, unchanged since at least January 2026, charges Visa and Mastercard 0.95% on debit and 3.15% on one-payment credit for sellers taking R$10,000 to R$20,000 a month, falling to 0.85% and 2.69% above R$80,000, paid in two business days. A Black Friday promotion running in November 2026, with no published end date, offers smaller sellers the Get Lite machine at 0.99% debit and 2.89% credit; in July the same offer was 1.39% and 3.49%. Clássica and Smart rentals of R$79.90 and R$129.90 a month are waived at higher volumes. Other Getnet pages still show older tables, so check the rate in your own sign-up terms. The accreditation contract has no fixed term and can be ended on 30 days' notice, but it lets Getnet change rates at any time, set reserves unilaterally and hold payouts after the contract ends, for up to 365 days where Getnet terminates it for cause. On Reclame Aqui Getnet holds an Ótima rating, though only 65.3% of complainants say they would do business with it again.

Link: 1.90% debit, 3.50% credit, paid D+30

2 business days on terminals (Get Conta)

Geidea

Geidea is a Riyadh-based payments company that signs up merchants directly, supplies the card terminals and settles card sales into their bank accounts. It also sells a SoftPOS app (Geidea Mobile POS), an online payment gateway, payment links and its own point-of-sale software. This review covers the Saudi business, which is Geidea's home market; it also has sites for the UAE and Egypt. Geidea holds a Payment Institution licence from the Saudi Central Bank (SAMA), and in 2021 it was the only non-bank in the Kingdom with a SAMA acquiring licence. Its merchant terms publish a fee schedule. As of the 17 August 2025 terms, in-store mada payments cost 0.7% below SAR 100 and 0.8% above, capped at SAR 160. Credit cards cost 2.75% + SAR 1. Online, the gateway and payment links cost SAR 499 to set up and SAR 99 a month, with mada at 1% and credit cards at 2.5% + SAR 1. All of these fees are subject to 15% VAT. The contract is less friendly: a two-year term that renews automatically, early-termination fees of up to 24 months, minimum monthly sales per terminal, and the right to withhold funds after you leave.

mada 1%; cards 2.5% + SAR 1 (+VAT)

Next business day to twice a week