Every processor.
Graded on evidence.

Lloyds Bank Cardnet is the card-acquiring business of Lloyds Bank plc, run as a joint venture with Fiserv, and it serves UK businesses only. It is not available to US merchants, and every figure in this review is in pounds sterling (GBP). The merchant agreement is with Lloyds Bank plc trading as Cardnet. Cardnet Merchant Services Limited, the joint-venture company, is controlled by Lloyds, and its 2025 accounts say Fiserv's FDR Limited, LLC holds about 49% of its shares. The UK Payment Systems Regulator counts Cardnet among the five largest UK acquirers. The joint-venture company's 2025 accounts report about £57.5 billion of card payments across more than a billion transactions. Cardnet publishes no rate card. Each account is priced individually, and the pricing page gives only worked examples, such as 0.5% plus a 3p authorisation fee on a £100 in-person Visa debit payment. Card machines rent for £21 or £23 a month plus VAT, there is a £10 minimum monthly charge, and other fees, such as PCI DSS management, are set in each merchant's own schedule. Both versions of the merchant agreement that Lloyds publishes roll on with one month's notice, but leaving within six months triggers an early-termination fee, which the December 2021 version sets at £200. Lloyds also sells Lloyds Accept, a separate pay-as-you-go app for its own business-account customers with card turnover under £100,000, at a published 1.5% + 20p.

Usually next day; contract default 5 days

Usio

Usio, Inc. (Nasdaq: USIO) is a San Antonio, Texas payments company that started in July 1998 as Billserv.com. It became Payment Data Systems in 2003 and Usio in 2019. Its main pitch is to software companies: through its PayFac-in-a-Box or Payfac-as-a-Service program, a software platform can sign up its own customers as sub-merchants and share in the processing revenue, without registering as a payment facilitator itself. Around that sit ACH processing (Usio is a Nacha Certified Third-Party Sender), card processing, PINless debit, remotely created checks, prepaid card issuing, and a bill print, mail and e-billing business. In 2025 Usio processed $8.4 billion across all payment types and reported revenue of $85.4 million and a net loss of $2.5 million. Usio does not publish its processing rates. Pricing is quoted per account, and its terminals are the only prices on its website. Its 2025 annual report says most of its merchant customers sign long-term contracts, generally for three years. There is very little public feedback from merchants: the BBB has no complaints and no rating, Trustpilot has no reviews, and G2 shows 24 reviews, all five-star.

Pricing clarity: 2.0
Feature set: 4.5
Ease of use: 3.5

Boulevard

POS & Business Software

Boulevard is booking, point-of-sale and client-management software for appointment-based salons, spas, barbershops and medspas, built by Boulevard Labs, Inc. in Los Angeles. Card payments run through its own Boulevard Payments, which uses Adyen for Platforms underneath and is sold only to Boulevard software customers. As of October 2026, Boulevard's pricing page lists plans from $143 to $416 a month per location, depending on tier, billing period and whether you run a salon or a medspa. It says card processing starts at 2.65%, and the exact rate is set in your order. With its Offset surcharge program, the business's share falls to about 1%, because clients pay a 3% credit-card fee. Deposits arrive in about two business days, and Instant Payouts cost 1.75%. The catch is the contract. Boulevard's Main Services Agreement defaults to a 12-month term that renews automatically. If you leave mid-term, you owe the rest of the term, and fees are non-refundable. Software reviewers rate it highly, at 4.6 from 390 reviews on Capterra. However, its small Trustpilot profile is mostly one-star reviews about technical and checkout problems, support and the one-year commitment.

2 business days

Zoho Payments

Zoho Payments is the payment processing service built into Zoho's finance apps, including Zoho Books, Zoho Invoice, Zoho Billing, Zoho Inventory, Zoho Commerce and Zoho Checkout. Zoho announced its US launch on 14 May 2025, although archived Zoho pages show it already open to US-registered businesses by July 2023; it launched in India in August 2024. This review covers the US product. It takes cards and ACH bank debits online, through invoices, payment links, hosted payment pages, online store checkout and an embeddable widget. It does not offer US in-person payments. As of October 2026, US pricing is 2.9% + 30¢ for domestic cards, American Express included. International cards cost an extra 1.5%, and ACH costs 0.8% capped at $5. There is no setup or monthly fee and no contract. A $15 fee applies to every dispute, whatever the outcome. Zoho onboards and underwrites each business, but card processing and settlement run through Stripe and Adyen, and each merchant also accepts their platform terms. Card payments settle two business days after the sale and ACH payments four, then pay out on the schedule you choose. The product has almost no reviews of its own yet. Zoho's company-wide BBB file carries a complaint-pattern alert about support and billing, though that file covers all of Zoho's apps, not just payments.

2.9% + 30¢ domestic cards; ACH 0.8%, $5 cap

Cards T+2 business days; ACH T+4

Omise

Omise is an online payment company founded in Bangkok in 2013 that takes card, QR, bank and e-wallet payments for merchants in Thailand, Japan, Singapore and Malaysia. Its parent rebranded as Opn in May 2022 and switched back to the Omise brand in March 2025; the holding company is still OPN Holdings Co., Ltd. in Tokyo, and opn.ooo now redirects to omise.co. Each country has its own published, pay-per-transaction price list with no setup or monthly fee. As of October 2026, cards cost 3.65% plus 7% VAT in Thailand, 3.30% + SGD 0.30 in Singapore and 2.50% (domestic) or 3.80% (international) in Malaysia. In Japan, card rates start at 2.95% and rise to 4.55% if you want your money sooner. Local methods are often cheaper: PromptPay is 1.65% in Thailand, PayNow 1.00% + SGD 0.15 in Singapore and DuitNow QR 1.50% in Malaysia. Omise signs the merchant agreement itself, collects the money on your behalf, keeps it on hold for a set period (7 days in Thailand, 1 in Singapore, 3 in Malaysia, 21 by default in Japan) and then lets you withdraw it for a small transfer fee. It is licensed by the Bank of Thailand and holds a Major Payment Institution licence from the Monetary Authority of Singapore. Public merchant reviews are scarce, so its reputation rests mostly on its licences, its long history and its backers rather than on user ratings.

TH 3.65% + VAT; SG 3.3% + S$0.30; MY 2.5%

Hold: TH 7 days, SG 1, MY 3, JP 21

Clio Payments

POS & Business Software

Clio Payments is the payment processing built into Clio Manage, the legal practice-management software from Clio (Themis Solutions Inc.), which was founded in Vancouver in 2008. Clio first sold a payments add-on powered by LawPay from 2015, then launched its own native Clio Payments in the US in October 2021 and in Canada in November 2022. Card processing is provided by Stripe: each firm accepts Stripe's Connected Account Agreement, and Clio handles enrolment, fees and support. There is no separate monthly fee, but you need a Clio Manage subscription, which starts at $49 per user per month. As of October 2026 Clio's own pages list a flat 2.95% for standard credit and debit cards with no per-transaction fee, and 1% for US eCheck and direct ACH payments. American Express is 3.75% on Clio's current comparison page, or 3.5% for firms switching from the LawPay integration. Clio does not publish Canadian rates on its Canadian site. The trust-account handling is the main reason to use it: trust payments are deposited in full, and processing fees, chargebacks and the $15 (US) or $20 CAD dispute fee always come out of the operating account. Card funds take one to two business days in the US and three in Canada, and eChecks five to seven. Clio itself is well rated on Capterra, but its BBB file is rated F for unanswered complaints, mostly about subscription billing. Clio ended its LawPay integration on 31 August 2026, which leaves Clio Payments as Clio's own way to take payments inside Clio Manage.

2.95% cards; 1% eCheck/ACH (US)

1–2 business days (US cards)

Tap Payments

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.

KNET 1% + 100 fils; KW cards 2.75% + 100 fils

KNET from next business day; UAE T+5

Peach Payments

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.

SA: 2.95% + R1.50 (local cards, ex VAT)

Next business day (SA), in rands

Conekta

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.

3.4% + MX$3 + IVA per card sale (Mexico)

Cards 2 business days; Amex 4; SPEI 2