# Payment Review

> Independent, expert-graded reviews of payment processors and merchant account providers: rates, fees, contract terms, payouts, support and legal history for each company, summarized in a letter grade from A+ to C-.

Payment Review grades every listing on six criteria — pricing transparency, feature set, ease of use, customer support, contract terms and industry reputation — and ranks it against companies of the same kind, because an acquirer, an ISO and an agent office sell different things and carry different risks. Each review records when it was published and when it was last fact-checked. Grades change when a review is re-checked, so cite the review URL and the grade as of the fact-check date shown on the page.

Every URL below ends in a trailing slash; the bare path is a redirect to it.

- [All reviews](https://paymentreview.com/reviews/): every graded provider, filterable by grade and type
- [Categories](https://paymentreview.com/categories/): providers ranked within their kind
- [Comparisons](https://paymentreview.com/comparisons/): editorial head-to-heads
- [Guides](https://paymentreview.com/blog/): buyer guides and industry analysis
- [Get matched](https://paymentreview.com/get-matched/): a short questionnaire that recommends providers for a business
- [Request a review](https://paymentreview.com/request-review/): ask for a provider not yet covered

## Reviews

- [PayKings](https://paymentreview.com/reviews/paykings/): Grade A (Agent Office / Reseller). PayKings is a specialized payment processor offering tailored solutions for high-risk industries with a strong emphasis on fraud prevention.
- [Square](https://paymentreview.com/reviews/square/): Grade A (POS & Business Software). Square offers simple, transparent payment processing ideal for small businesses.
- [Stripe](https://paymentreview.com/reviews/stripe/): Grade A (Payfac / Aggregator). Stripe is a leading payment processor known for its developer-friendly API, transparent pricing, and comprehensive suite of payment solutions for businesses of all sizes.
- [Adyen](https://paymentreview.com/reviews/adyen/): Grade A- (Platform / Acquirer). Adyen is a global, enterprise-grade payments platform that unifies acquiring, processing, routing and risk management into a single stack for merchants with international and omnichannel needs.
- [Authorize.net](https://paymentreview.com/reviews/authorize-net/): Grade A- (Gateway / Orchestration). Authorize.Net is a mature, Visa-owned payment gateway that offers robust, developer-friendly payment tools, strong fraud controls, and wide platform integrations.
- [Braintree (PayPal Enterprise Payments)](https://paymentreview.com/reviews/braintree/): Grade A- (Payfac / Aggregator). Braintree is a full-featured, globally-capable payment gateway solution (online + mobile) backed by PayPal, offering robust APIs, developer tooling, and enterprise-class features for merchants.
- [Dharma Merchant Services](https://paymentreview.com/reviews/dharma-merchant-services/): Grade A- (ISO). A small, long-running ISO that publishes its entire interchange-plus margin, charges $20 a month, and imposes no contract and no early termination fee.
- [Helcim](https://paymentreview.com/reviews/helcim/): Grade A- (Payfac / Aggregator). Helcim is a Calgary-based payment processing company that offers genuinely transparent interchange-plus pricing with no monthly fees, no hidden charges, and a comprehensive suite of free payment tools.
- [PayPal](https://paymentreview.com/reviews/paypal/): Grade A- (Payfac / Aggregator). PayPal is a global, feature-rich digital payments platform (consumer wallet + merchant services) with extensive integrations and brand reach.
- [Shopify Payments](https://paymentreview.com/reviews/shopify-payments/): Grade A- (Payfac / Aggregator). Shopify Payments is Shopify’s own branded payments service — processed by Stripe, per Shopify’s published processor list — giving merchants one-click access to accepting cards and wallets inside Shopify,…
- [Zen Payments](https://paymentreview.com/reviews/zen-payments/): Grade A- (Agent Office / Reseller). Zen Payments is known for quick setup of merchant accounts and accepting businesses that mainstream providers turn away.
- [Akurateco](https://paymentreview.com/reviews/akurateco/): Grade B+ (Gateway / Orchestration). Akurateco is a white-label PCI DSS-compliant payment orchestration platform that enables businesses and PSPs to deploy advanced payment infrastructure and unify multiple payment methods globally.
- [CDGcommerce](https://paymentreview.com/reviews/cdgcommerce/): Grade B+ (ISO). CDGcommerce is a family-owned merchant services provider founded in 1998 by Chris and Laura West and based in Port Orange, Florida, operating as a registered ISO/MSP of Pinnacle Bank (dba Synovus Bank) and Citizens Bank,…
- [Durango Merchant Services](https://paymentreview.com/reviews/durango-merchant-services/): Grade B+ (ISO). Durango is a veteran, boutique high-risk payment processing specialist that serves as a trusted lifeline for businesses rejected by mainstream processors, but lacks enough reviews to make a confident assessment on the…
- [FastSpring](https://paymentreview.com/reviews/fastspring/): Grade B+ (Merchant of Record). FastSpring is a merchant of record for software, SaaS, games and digital products, founded in Santa Barbara in 2005 and trading as Bright Market, LLC.
- [Fresha](https://paymentreview.com/reviews/fresha/): Grade B+ (POS & Business Software). Fresha is the London-based booking and business platform for salons, barbershops, spas and wellness studios, founded as Shedul in 2015 by William Zeqiri and Nick Miller and renamed in 2019.
- [Gravity Payments](https://paymentreview.com/reviews/gravity-payments/): Grade B+ (ISO). A Seattle merchant services company founded in 2004, best known outside the industry for setting a $70,000 minimum salary in 2015, and better known inside it for doing two unfashionable things well: publishing a flat rate…
- [Host Merchant Services](https://paymentreview.com/reviews/host-merchant-services/): Grade B+ (ISO). A Delaware ISO that publishes real interchange-plus margins — 0.25% and $0.10 retail, 0.20% and $0.09 restaurant, 0.35% and $0.10 e-commerce — on month-to-month terms with no termination fee, an A+ BBB record since 2011 and…
- [Jobber](https://paymentreview.com/reviews/jobber/): Grade B+ (POS & Business Software). Jobber is field-service management software for home-service businesses — lawn care, cleaning, HVAC, plumbing, electrical and about fifty other trades — with card and bank processing built in as Jobber…
- [LawPay (8am, formerly AffiniPay)](https://paymentreview.com/reviews/lawpay/): Grade B+ (ISO). LawPay is the payment processor built for law firms by AffiniPay, the Austin, Texas company Amy Porter founded in 2005 and which rebranded its corporate identity as 8am in August 2025; the product now trades as 8am LawPay.
- [Lightspeed](https://paymentreview.com/reviews/lightspeed/): Grade B+ (POS & Business Software). Lightspeed Commerce is a global cloud-based POS and commerce platform that provides retail, restaurant, and ecommerce businesses with integrated payments, inventory management, analytics, and omnichannel…
- [Maverick Payments](https://paymentreview.com/reviews/maverick-payments/): Grade B+ (ISO). Maverick Payments is a long-established payment processing provider offering a comprehensive suite of payment solutions for merchants, partners, and developers, though its reputation is mixed due to varied customer…
- [Mollie](https://paymentreview.com/reviews/mollie/): Grade B+ (Payfac / Aggregator). One of Europe's largest independent payment service providers, serving more than 250,000 businesses from Amsterdam and authorised by the Dutch central bank as an electronic money institution.
- [PayJunction](https://paymentreview.com/reviews/payjunction/): Grade B+ (ISO). A Santa Barbara ISO that has been processing since 2000, sells month-to-month with no cancellation fee, and has zero complaints on file with the BBB.
- [Payment Cloud](https://paymentreview.com/reviews/payment-cloud/): Grade B+ (Agent Office / Reseller). A well-run high-risk merchant services shop with unusually good service ratings and no junk fees — but since its 2024 acquisition it is a Kurv company, and Kurv now routes almost everything through its…
- [Shift4](https://paymentreview.com/reviews/shift4/): Grade B+ (Platform / Acquirer). Shift4 Payments is a full-service payment processor and POS provider specializing in integrated commerce solutions for restaurants, hospitality, retail, and enterprise merchants.
- [SumUp](https://paymentreview.com/reviews/sumup/): Grade B+ (Payfac / Aggregator). A pay-as-you-go card reader and POS provider with flat published rates, no monthly fee and no contract.
- [TimeSolv](https://paymentreview.com/reviews/timesolv/): Grade B+ (POS & Business Software).
- [Tyro](https://paymentreview.com/reviews/tyro/): Grade B+ (Platform / Acquirer). Tyro Payments Limited is a Sydney-based merchant acquirer and bank, founded in 2003, granted a specialist credit card institution licence in 2005 and a full Australian banking licence in 2015, and listed on…
- [Wisetack](https://paymentreview.com/reviews/wisetack/): Grade B+ (BNPL Network). Wisetack is a San Francisco company, founded in 2018, that lets service businesses offer their customers monthly payments on jobs such as an HVAC replacement, a roof, a transmission repair or a dental treatment…
- [Zeller](https://paymentreview.com/reviews/zeller/): Grade B+ (Platform / Acquirer). Zeller is a Melbourne payments and business-banking company founded in 2020 by Ben Pfisterer, who had led Square's Asia-Pacific team, and Dominic Yap, and launched in May 2021.
- [Afterpay](https://paymentreview.com/reviews/afterpay/): Grade B (BNPL Network). Afterpay is the buy-now-pay-later network founded in Sydney in October 2014 by Nick Molnar and Anthony Eisen, and owned since January 2022 by Block, Inc.
- [Airwallex](https://paymentreview.com/reviews/airwallex/): Grade B (Payfac / Aggregator). A global business account and payment platform with published rates, no lock-in contract and unusually cheap FX.
- [Amazon Pay](https://paymentreview.com/reviews/amazon-pay/): Grade B (Payfac / Aggregator). Amazon's express checkout button for other people's websites.
- [Basys Processing](https://paymentreview.com/reviews/basys-processing/): Grade B (ISO). Basys Processing is a privately held merchant-services company in Lenexa, Kansas, incorporated in March 2002 and run by its founder, Brad Oddo.
- [BILL (Bill.com)](https://paymentreview.com/reviews/bill-com/): Grade B (Bank / A2A Payments). BILL, still widely known as Bill.com, is the largest US accounts-payable and accounts-receivable payments platform for small and mid-sized businesses: 479,300 businesses, $98 billion of payment volume in the…
- [Bluefin](https://paymentreview.com/reviews/bluefin/): Grade B (Gateway / Orchestration). Bluefin is an Atlanta company that sells payment security rather than payment processing.
- [CardX](https://paymentreview.com/reviews/cardx/): Grade B (ISO). 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.
- [Chase Payment Solutions and Merchant Services](https://paymentreview.com/reviews/chase-payment-solutions/): Grade B (Platform / Acquirer). Chase Payment Solutions is the merchant services arm of the #1 US bank, offering small and mid-sized businesses a deeply integrated combination of payment processing, same-day deposits, and banking tools.
- [Clio Payments](https://paymentreview.com/reviews/clio-payments/): Grade B (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.
- [Clip](https://paymentreview.com/reviews/clip/): Grade B (Payfac / Aggregator). Clip is a Mexico City payments company founded in 2012 by Adolfo Babatz, still its chief executive, which processed its first transaction in 2013 and now serves what it calls hundreds of thousands of Mexican…
- [Clover](https://paymentreview.com/reviews/clover/): Grade B (POS & Business Software). Clover is a widely used, all-in-one POS platform (hardware + software + app marketplace) favored by small and medium retailers and restaurants and backed by Fiserv, offering broad functionality but with…
- [Corepay](https://paymentreview.com/reviews/corepay/): Grade B (ISO). Corepay is a payment processor that specializes in tailored merchant accounts for high-risk industries with global service and a focus on customer support.
- [CSG Forte](https://paymentreview.com/reviews/csg-forte/): Grade B (Platform / Acquirer). A biller-focused processor that does ACH properly.
- [Cybersource](https://paymentreview.com/reviews/cybersource/): Grade B (Gateway / Orchestration). Visa's enterprise payment gateway, founded in 1994 in Silicon Valley and bought by Visa for about $2 billion in 2010.
- [Dojo](https://paymentreview.com/reviews/dojo/): Grade B (Platform / Acquirer). Dojo is the trading name of Paymentsense Limited, a London company incorporated in 2008 that grew into one of the UK's largest card-terminal resellers before rebuilding itself, from 2020, as a cloud-native…
- [Electronic Payments](https://paymentreview.com/reviews/electronic-payments/): Grade B (ISO). Electronic Payments, Inc. — usually EPI — is a Calverton, New York merchant acquirer founded on 20 May 2000 by Michael Nardy while he was a student at Boston College.
- [eMerchantBroker](https://paymentreview.com/reviews/emerchantbroker/): Grade B (ISO). A long-established California high-risk specialist with an A+ BBB rating, accreditation since 2012 and an unusually light complaint record.
- [emerchantpay](https://paymentreview.com/reviews/emerchantpay/): Grade B (Platform / Acquirer). A London-headquartered payment service provider and acquirer, founded in 2002 by its current chief executive Jonas Reynisson, that is unusual in this market for owning both halves of the stack.
- [Finix](https://paymentreview.com/reviews/finix/): Grade B (Payfac / Aggregator). A San Francisco processor that charges a monthly subscription — from $250 — and takes zero markup on interchange, billing a flat $0.08 or $0.15 per transaction instead.
- [Flywire](https://paymentreview.com/reviews/flywire/): Grade B (Platform / Acquirer). Flywire is a Boston-headquartered payments platform, incorporated in July 2009 as peerTransfer to move international tuition money and renamed Flywire in 2016, that now collects large, often cross-border…
- [GlossGenius](https://paymentreview.com/reviews/glossgenius/): Grade B (POS & Business Software). GlossGenius is booking, point-of-sale, marketing and staff software for US salons, barbers, spas, medical spas and wellness and fitness studios, built in New York by twin sisters Danielle Cohen-Shohet,…
- [GoCardless](https://paymentreview.com/reviews/gocardless/): Grade B (Bank / A2A Payments). A bank-payments specialist built for recurring billing.
- [GoDaddy Payments](https://paymentreview.com/reviews/godaddy-payments/): Grade B (Payfac / Aggregator). GoDaddy's in-house processor, built on the Poynt technology it bought in 2020.
- [Klarna](https://paymentreview.com/reviews/klarna/): Grade B (BNPL Network). Klarna is a Swedish-founded, UK-parented digital bank and flexible payments provider that listed on the New York Stock Exchange in September 2025.
- [Mercado Pago](https://paymentreview.com/reviews/mercado-pago/): Grade B (Payfac / Aggregator). Mercado Pago is the payments and fintech arm of Mercado Libre, the Latin American e-commerce group incorporated in Delaware in October 1999 and headquartered in Montevideo, Uruguay.
- [Moov](https://paymentreview.com/reviews/moov/): Grade B (Payfac / Aggregator). Moov Financial is a US payments platform for software companies, built by Wade Arnold and Bob Smith out of the open-source moov.io money-movement libraries Arnold began publishing in 2017.
- [myPOS](https://paymentreview.com/reviews/mypos/): Grade B (Platform / Acquirer). myPOS is a London-headquartered payments company founded in 2012 by Christo Georgiev and owned since February 2024 by the private-equity firm Advent International in a deal reported at around €500 million,…
- [Nexi](https://paymentreview.com/reviews/nexi/): Grade B (Platform / Acquirer). Nexi S.p.A. is one of Europe's largest payments companies, headquartered in Milan and traded on Euronext Milan, and describes itself as Europe's PayTech.
- [Nuvei](https://paymentreview.com/reviews/nuvei/): Grade B (Platform / Acquirer). Nuvei is a Montreal-based global payment technology company founded in 2003 that offers 700+ payment methods across 200+ markets and deep vertical expertise in iGaming, fintech, and high-risk sectors — but…
- [Paddle](https://paymentreview.com/reviews/paddle/): Grade B (Merchant of Record). A London merchant of record for software, SaaS and AI companies, founded in 2012 and used by more than 6,000 digital product businesses by its own July 2025 count.
- [PAR Technology](https://paymentreview.com/reviews/par-technology/): Grade B (POS & Business Software). PAR Technology Corporation is a New York Stock Exchange company founded in 1968 in New Hartford, New York, originally as a defense contractor, and now a restaurant-technology business that sold its…
- [Payabli](https://paymentreview.com/reviews/payabli/): Grade B (Payfac / Aggregator). Payabli is a Miami embedded-payments company — legally Centavo, Inc., trading as Payabli — founded in 2020 by William Corbera and Joseph Elias Phillips, who run it as co-chief executives.
- [Payline Data](https://paymentreview.com/reviews/payline-data/): Grade B (ISO). Payline Data is a Chicago merchant account provider that publishes its whole interchange-plus rate card on its home page: interchange plus 0.35% and 10 cents under $50,000 of monthly volume, sliding to interchange plus 0.15%…
- [PayMongo](https://paymentreview.com/reviews/paymongo/): Grade B (Payfac / Aggregator). PayMongo is a Philippine online payments company, launched in June 2019 by Francis Plaza, Luis Sia and Jaime Hing III as the first Filipino-owned fintech to go through Y Combinator, and headquartered in…
- [Payroc](https://paymentreview.com/reviews/payroc/): Grade B (ISO). A Chicago-area merchant acquirer that has spent twenty years buying its way to scale — seventeen-plus acquisitions since 2016, most recently BlueSnap in October 2025 — and now reports around $125 billion of annual volume…
- [Paystack](https://paymentreview.com/reviews/paystack/): Grade B (Payfac / Aggregator). Paystack is a payment aggregator for businesses in Africa, founded in Lagos in 2015 by Shola Akinlade and Ezra Olubi, put through Y Combinator in early 2016 and bought by Stripe in October 2020 in a deal…
- [Paystone](https://paymentreview.com/reviews/paystone/): Grade B (ISO). Paystone is a London, Ontario payment processor that calls itself Canada's largest bank-independent payment processor.
- [PayTrace](https://paymentreview.com/reviews/paytrace/): Grade B (Gateway / Orchestration). PayTrace is a Spokane-area payment gateway built for businesses that sell to other businesses and to government.
- [Peach Payments](https://paymentreview.com/reviews/peach-payments/): Grade B (Payfac / Aggregator). 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.
- [QuickBooks Payments (Intuit)](https://paymentreview.com/reviews/quickbooks-payments/): Grade B (Payfac / Aggregator). QuickBooks Payments is Intuit's card and bank-payment service, sold as an add-on to QuickBooks Online rather than as a standalone merchant account.
- [Rainforest](https://paymentreview.com/reviews/rainforest/): Grade B (Payfac / Aggregator). An Atlanta payfac-as-a-service provider that publishes its entire buy-rate card in public — 0.30% and $0.30 falling to 0.20% and $0.20 at volume, with no revenue share — for software platforms embedding…
- [REPAY](https://paymentreview.com/reviews/repay/): Grade B (Payfac / Aggregator). A vertical payments company you probably meet through your software, not through a salesperson.
- [Revolut Business](https://paymentreview.com/reviews/revolut-business/): Grade B (Payfac / Aggregator). Revolut Business is the merchant-acceptance arm of Revolut, the London fintech founded in 2015 by Nik Storonsky and Vlad Yatsenko.
- [Scalapay](https://paymentreview.com/reviews/scalapay/): Grade B (BNPL Network). Scalapay is a buy now, pay later provider founded in 2019 and run from Milan, with an Irish-registered parent company, Scalapay Limited.
- [Segpay](https://paymentreview.com/reviews/segpay/): Grade B (Merchant of Record). A South Florida high-risk biller founded in 2005, registered with Visa as an internet payment service provider and with Mastercard as a payment facilitator, serving adult, dating, subscription and content…
- [Soar Payments](https://paymentreview.com/reviews/soar-payments/): Grade B (ISO). A Texas high-risk specialist with fast underwriting, an A+ BBB rating and an unusually clean complaint record. The catch is a quote-only rate card and a $495 early termination fee on high-risk agreements.
- [Sola](https://paymentreview.com/reviews/sola/): Grade B (ISO). Sola is the brand Fidelity Payment Services and its Cardknox payment gateway have traded under since October 2024.
- [Spreedly](https://paymentreview.com/reviews/spreedly/): Grade B (Gateway / Orchestration). Spreedly is a payment orchestration platform and PCI-compliant card vault founded in 2007 and run from Durham, North Carolina. It does not process payments itself.
- [Stax](https://paymentreview.com/reviews/stax/): Grade B (ISO). Stax is a payments technology company founded in 2014 that partners with SaaS companies, ISOs, and SMBs to enable flexible, multi-channel payment processing and invoicing solutions, claiming a distinctive subscription-based…
- [Sunbit](https://paymentreview.com/reviews/sunbit/): Grade B (BNPL Network). Sunbit is a Los Angeles financing company, founded in 2016, that puts pay-over-time options at the counter of everyday service businesses rather than at an online checkout.
- [Swipesum](https://paymentreview.com/reviews/swipesum/): Grade B (Agent Office / Reseller). Swipesum is a St. Louis payments advisory founded in 2016 by brothers Michael and Stephen Seaman, and it sells something most companies in this market do not: advice about the processor you already have.
- [takepayments](https://paymentreview.com/reviews/takepayments/): Grade B (ISO). takepayments is a Stockport-based reseller of card machines, online payments and POS systems to UK small businesses, and since June 2024 it has been a Global Payments company.
- [Teya](https://paymentreview.com/reviews/teya/): Grade B (Platform / Acquirer). Teya is a London-headquartered payments and business-banking company founded in 2019 as SaltPay by Ali Mazanderani and Eduardo Pontes, renamed in April 2023, and backed by investors including Tiger Global,…
- [Tilled](https://paymentreview.com/reviews/tilled/): Grade B (Payfac / Aggregator). A Boulder, Colorado company that sells payments infrastructure to software companies rather than merchant accounts to businesses.
- [Tithe.ly](https://paymentreview.com/reviews/tithely/): Grade B (Payfac / Aggregator). 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.
- [Toast POS](https://paymentreview.com/reviews/toast-pos/): Grade B (POS & Business Software). Toast POS is the leading all-in-one cloud-based restaurant management platform, purpose-built for the food service industry with deep features for ordering, payments, payroll, and analytics, but comes…
- [Vagaro](https://paymentreview.com/reviews/vagaro/): Grade B (POS & Business Software). Vagaro is booking, point-of-sale and marketing software for salons, spas, barbers, medical spas, gyms and studios, sold from Pleasanton, California since 2009 by founder and chief executive Fred Helou.
- [Viva.com](https://paymentreview.com/reviews/viva-com/): Grade B (Payfac / Aggregator). Viva.com is a European payments company and licensed bank, headquartered in Athens, that sells card acceptance, a business account, cards and financing to small and medium businesses on one platform.
- [WooPayments (Automattic)](https://paymentreview.com/reviews/woopayments/): Grade B (Payfac / Aggregator). WooPayments is the official, Stripe-powered payment solution built exclusively for WooCommerce stores, offering no monthly fees and deep dashboard integration, but plagued by account suspension issues and…
- [Xplor Pay](https://paymentreview.com/reviews/xplor-pay/): Grade B (Platform / Acquirer). The US payments arm of Xplor Technologies, and the company you knew as Clearent until it dropped the name in July 2025.
- [Yoco](https://paymentreview.com/reviews/yoco/): Grade B (Payfac / Aggregator). Yoco is a Cape Town payments company that sells card machines, a free point-of-sale app and online payment tools to small and independent businesses in South Africa, and only in South Africa: its terms refuse…
- [Zip](https://paymentreview.com/reviews/zip/): Grade B (BNPL Network). Zip is the US buy-now-pay-later network formerly known as Quadpay, owned by the ASX-listed Zip Co Limited.
- [Zoho Payments](https://paymentreview.com/reviews/zoho-payments/): Grade B (Payfac / Aggregator). 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.
- [Aeropay](https://paymentreview.com/reviews/aeropay/): Grade B- (Bank / A2A Payments). Aeropay is a Chicago pay-by-bank company founded in 2017 by Daniel Muller, and it sells something genuinely different from the merchant accounts most of this site covers: it moves money directly between bank…
- [Affirm](https://paymentreview.com/reviews/affirm/): Grade B- (BNPL Network). Affirm is a buy-now-pay-later provider founded in 2012 by Max Levchin, Nathan Gettings, Jeffrey Kaditz and Alex Rampell, headquartered at 221 Main Street in San Francisco and listed on Nasdaq as AFRM since January…
- [Bankful](https://paymentreview.com/reviews/bankful/): Grade B- (Gateway / Orchestration). A high-risk-friendly gateway that does the one thing almost nobody in high risk does: it publishes its prices.
- [Barclaycard Payments](https://paymentreview.com/reviews/barclaycard-payments/): Grade B- (Platform / Acquirer). Barclaycard Payments is the merchant-acquiring arm of Barclays Bank PLC, the business that has signed UK shops up to take cards since Barclaycard launched the country's first credit card on 29 June 1966 and…
- [BitPay](https://paymentreview.com/reviews/bitpay/): Grade B- (Payfac / Aggregator). BitPay is a cryptocurrency payment processor founded in May 2011 by Tony Gallippi and Stephen Pair, now based in Alpharetta, Georgia, and by its own description the world's longest-operating crypto payments…
- [Cantaloupe](https://paymentreview.com/reviews/cantaloupe/): Grade B- (Payfac / Aggregator). Cantaloupe is the Malvern, Pennsylvania company behind the ePort card readers found on vending machines, arcades, laundromats and car-wash vacuums, plus Cantaloupe Go micro-market kiosks, smart stores and…
- [CardFlight (SwipeSimple)](https://paymentreview.com/reviews/cardflight/): Grade B- (Gateway / Orchestration). CardFlight is a New York software company, founded in 2013 by Derek Webster, whose product SwipeSimple is the payment-acceptance app a great many American small businesses use without ever hearing the…
- [CARDZ3N](https://paymentreview.com/reviews/cardz3n/): Grade B- (Agent Office / Reseller). CARDZ3N is a global payment processing platform that supports multi-channel payments, including credit cards, ACH, crypto, and BNPL, tailored to both standard and high-risk merchants.
- [Cashfree Payments](https://paymentreview.com/reviews/cashfree-payments/): Grade B- (Payfac / Aggregator). Cashfree Payments is a Bengaluru payment aggregator founded in 2015 by Akash Sinha, its chief executive, and Reeju Datta.
- [CCBill](https://paymentreview.com/reviews/ccbill/): Grade B- (Merchant of Record). One of the longest-running high-risk processors in the United States, operating since 1998 and built around subscription billing for adult, dating, streaming and creator platforms.
- [Conekta](https://paymentreview.com/reviews/conekta/): Grade B- (Payfac / Aggregator). Conekta is a Mexico City online payment company for businesses that sell in Mexico.
- [Deluxe Merchant Services](https://paymentreview.com/reviews/deluxe-merchant-services/): Grade B- (ISO). Deluxe Merchant Services is the card-acquiring arm of Deluxe Corporation, the Minneapolis company founded in 1915 whose largest product line is still printing checks (32.4% of 2025 revenue) and which now earns 18.7% of its…
- [DirectPayNet](https://paymentreview.com/reviews/directpaynet/): Grade B- (Agent Office / Reseller). A small high-risk merchant account brokerage aimed squarely at online sellers — supplements, coaching, subscriptions, dropshipping, digital products, high-ticket offers — that mainstream processors…
- [dLocal](https://paymentreview.com/reviews/dlocal/): Grade B- (Platform / Acquirer). dLocal is an emerging-markets payment platform founded in 2016 in Montevideo, Uruguay by Sergio Fogel and Andres Bzurovski, and listed on Nasdaq since June 2021 as DLO.
- [Dwolla](https://paymentreview.com/reviews/dwolla/): Grade B- (Bank / A2A Payments). An API for moving money between US bank accounts, founded in Des Moines in 2008 and one of the earliest companies to make ACH programmable.
- [Easy Pay Direct](https://paymentreview.com/reviews/easy-pay-direct/): Grade B- (Agent Office / Reseller). An Austin high-risk specialist that publishes flat rates — 2.69% + $0.36 online, 1.59% + $0.19 swiped — and routes merchants across 30+ banking partners so one declined account does not stop the…
- [EBANX](https://paymentreview.com/reviews/ebanx/): Grade B- (Payfac / Aggregator). EBANX is a cross-border payments company founded in Curitiba, Brazil in 2012 by Alphonse Voigt, Wagner Ruiz and João Del Valle, built to let companies outside Latin America sell to Brazilian shoppers in…
- [EBizCharge](https://paymentreview.com/reviews/ebizcharge/): Grade B- (Gateway / Orchestration). EBizCharge is an embedded payment gateway and integrated merchant services platform that simplifies credit card, debit card, and ACH payment processing directly inside accounting, ERP, CRM, and ecommerce…
- [Epos Now](https://paymentreview.com/reviews/epos-now/): Grade B- (POS & Business Software). A cloud point-of-sale system founded in Norwich, England in 2011 by Jacyn Heavens, now operating in the US from an Orlando office and claiming more than 80,000 business locations across 70-plus…
- [First Card Payments](https://paymentreview.com/reviews/first-card-payments/): Grade B- (Agent Office / Reseller). First Card Payments is a high-risk merchant account provider operating from Brickell Avenue in Miami with a second office in Los Angeles, trading under the legal name Ellis Financial Holdings Corp with…
- [Fiserv (Carat)](https://paymentreview.com/reviews/fiserv-carat/): Grade B- (Platform / Acquirer). Carat from Fiserv is an enterprise-grade global commerce platform that orchestrates omnichannel payments, data intelligence, and customer experience solutions for the world's largest businesses, but hampered…
- [Flutterwave](https://paymentreview.com/reviews/flutterwave/): Grade B- (Payfac / Aggregator). Flutterwave is the payment aggregator that most international businesses use to collect from customers across Africa.
- [Fortis](https://paymentreview.com/reviews/fortis/): Grade B- (Payfac / Aggregator). An embedded-payments specialist that sells to software platforms first and merchants second.
- [FreshBooks Payments](https://paymentreview.com/reviews/freshbooks-payments/): Grade B- (Payfac / Aggregator). FreshBooks Payments is the built-in way to get paid on a FreshBooks invoice.
- [Fullsteam](https://paymentreview.com/reviews/fullsteam/): Grade B- (Payfac / Aggregator). Fullsteam is a payments and vertical-software holding company founded in 2018 and headquartered in Auburn, Alabama, with a second base in Atlanta.
- [Heartland Payment Systems](https://paymentreview.com/reviews/heartland-payment-systems/): Grade B- (Platform / Acquirer). A large US small-business processor founded in 1997, bought by Global Payments for $4.3 billion in 2016 and now openly in the middle of being retired as a brand — Global Payments' own page is headed…
- [Housecall Pro](https://paymentreview.com/reviews/housecall-pro/): Grade B- (POS & Business Software). Housecall Pro is field-service software for HVAC, plumbing, electrical, cleaning and other home-service trades, with card, ACH and consumer-financing acceptance built in as HCP Payments.
- [Humboldt Merchant Services](https://paymentreview.com/reviews/humboldt-merchant-services/): Grade B- (ISO). One of the oldest specialty merchant account providers in the United States — writing accounts for adult, CBD, firearms, credit repair, online pharmacy, gambling, telemedicine and travel since the early 1990s.
- [Ingenico](https://paymentreview.com/reviews/ingenico/): Grade B- (POS & Business Software). Ingenico is the French payment terminal manufacturer behind a large share of the card readers on the world's counters, founded in Suresnes in 1980 and today selling terminals, SoftPOS and its Ingenico…
- [Inovio Payments](https://paymentreview.com/reviews/inovio-payments/): Grade B- (Gateway / Orchestration). Inovio is a payment gateway aimed squarely at specialty and high-risk verticals — adult, firearms, e-cigarettes and vape, online gaming, online alcohol, credit repair, CBD, telemedicine, online pharmacy…
- [iyzico](https://paymentreview.com/reviews/iyzico/): Grade B- (Payfac / Aggregator). 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…
- [Lavu](https://paymentreview.com/reviews/lavu/): Grade B- (POS & Business Software). Lavu is an Albuquerque restaurant technology company founded in 2010 by Andy Lim, and it has a genuine claim to being the first restaurant point-of-sale system built for the iPad.
- [Leap Payments](https://paymentreview.com/reviews/leap-payments/): Grade B- (ISO). A sales organisation with an unusually good promise and an unusually poor paper trail.
- [Mangopay](https://paymentreview.com/reviews/mangopay/): Grade B- (Payfac / Aggregator). Mangopay is payment infrastructure for marketplaces and platforms rather than a processor a shop signs up with.
- [Melio](https://paymentreview.com/reviews/melio/): Grade B- (Bank / A2A Payments). Melio is a US business bill-pay and accounts-payable platform founded in 2018 by Matan Bar, Ilan Atias and Ziv Paz, headquartered in New York with an R&D centre in Tel Aviv.
- [Moneris](https://paymentreview.com/reviews/moneris/): Grade B- (Platform / Acquirer). Moneris is Canada’s largest payment processor, providing point-of-sale systems, ecommerce payment gateways, and mobile payment solutions for businesses across Canada through a joint venture owned by Royal…
- [Nadapayments](https://paymentreview.com/reviews/nadapayments/): Grade B- (ISO). A surcharging specialist that does one thing and publishes exactly what it costs: your customer pays a 3.00% surcharge when they use a credit card, you pay nothing, and you pay 1.50% + 25¢ when they use a debit card, plus…
- [Nayax](https://paymentreview.com/reviews/nayax/): Grade B- (Payfac / Aggregator). Nayax is an Israeli payments and commerce platform built for unattended retail — vending machines, kiosks, car washes, laundromats, amusement machines, coffee service and, increasingly, EV charging.
- [NCR Voyix](https://paymentreview.com/reviews/ncr-voyix/): Grade B- (POS & Business Software). The retail and restaurant half of the old NCR.
- [Newtek Payments (NewtekOne)](https://paymentreview.com/reviews/newtek-payments/): Grade B- (ISO). The payments arm of NewtekOne, a Nasdaq-listed financial holding company that became a bank in January 2023 by acquiring National Bank of New York City and renaming it Newtek Bank, N.A.
- [NMI (Network Merchants Inc)](https://paymentreview.com/reviews/nmi/): Grade B- (Gateway / Orchestration). NMI (Network Merchants, Inc.) is a mature, ISO/ISV-focused embedded-payments gateway and enablement platform with broad developer tooling and enterprise integrations, but merchant experiences can vary…
- [Omise](https://paymentreview.com/reviews/omise/): Grade B- (Payfac / Aggregator). 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.
- [PAYARC](https://paymentreview.com/reviews/payarc/): Grade B- (ISO). A Greenwich, Connecticut processor founded in 2016 that has grown quickly by selling through agents and software platforms, and by building an unusual amount of AI tooling into its partner stack.
- [Paymob](https://paymentreview.com/reviews/paymob/): Grade B- (Payfac / Aggregator). 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.
- [Payoneer](https://paymentreview.com/reviews/payoneer/): Grade B- (Payfac / Aggregator). Payoneer is a global fintech platform that enables businesses, freelancers, and marketplaces to send and receive cross-border payments, manage multi-currency funds, and scale internationally.
- [PaySimple](https://paymentreview.com/reviews/paysimple/): Grade B- (Payfac / Aggregator). PaySimple is a Denver payments-and-billing platform for service businesses — the kind that invoice, take deposits and bill the same customers month after month rather than ring up a counter.
- [Paystand](https://paymentreview.com/reviews/paystand/): Grade B- (Bank / A2A Payments). Paystand is a California B2B payments and accounts-receivable company, founded in 2013 by Jeremy Almond and Scott Campbell, built on a premise that inverts how this industry normally charges: you pay a flat…
- [PayU (India)](https://paymentreview.com/reviews/payu/): Grade B- (Payfac / Aggregator). PayU India is the Indian payment gateway of Prosus, the Amsterdam-listed technology group majority owned by Naspers.
- [pmtbox (formerly National Processing)](https://paymentreview.com/reviews/pmtbox/): Grade B- (ISO). A 2007-vintage Utah merchant services provider that spent years as one of the better-regarded small-business ISOs, rebranded to pmtbox, raised $15 million in 2026, and repositioned around enterprise e-commerce.
- [Polar](https://paymentreview.com/reviews/polar/): Grade B- (Merchant of Record). Polar (polar.sh) is an open-source merchant of record and billing platform for developers selling software, SaaS subscriptions and digital products.
- [Priority Commerce](https://paymentreview.com/reviews/priority-commerce/): Grade B- (ISO). A genuinely large US payments and banking company that most merchants have never heard of, because for twenty years it sold almost entirely through ISOs and software partners rather than under its own name.
- [ProMerchant](https://paymentreview.com/reviews/promerchant/): Grade B- (Agent Office / Reseller). ProMerchant is a small merchant-services company in Woburn, Massachusetts, started in May 2018, that sells card acceptance to US restaurants, retailers, mobile traders, phone-order and e-commerce…
- [Pushpay](https://paymentreview.com/reviews/pushpay/): Grade B- (ISO). 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.
- [Qualpay](https://paymentreview.com/reviews/qualpay/): Grade B- (ISO). Qualpay is a San Mateo, California payments company that sells a merchant account and its own payment gateway as a single product, so one account covers online checkout, a virtual terminal, recurring billing, invoicing and…
- [Rapyd](https://paymentreview.com/reviews/rapyd/): Grade B- (Platform / Acquirer). A London-headquartered, Israeli-founded fintech-as-a-service platform that sells collection, payouts and multi-currency accounts through one API.
- [Razorpay](https://paymentreview.com/reviews/razorpay/): Grade B- (Payfac / Aggregator). Razorpay is the largest online payment aggregator in India, founded in Bengaluru in 2014 by Harshil Mathur and Shashank Kumar and licensed by the Reserve Bank of India as an online, offline and cross-border…
- [SecureGlobalPay](https://paymentreview.com/reviews/secureglobalpay/): Grade B- (Agent Office / Reseller). SecureGlobalPay is a Texas-based merchant account provider specialising in high-risk and hard-to-place businesses — firearms, tobacco and vape, adult, dating, supplements, travel, ticketing, credit…
- [Sezzle](https://paymentreview.com/reviews/sezzle/): Grade B- (BNPL Network). Sezzle is a Minneapolis buy-now-pay-later provider founded in 2016; Charlie Youakim, Paul Paradis and Killian Brackey are the co-founders named most consistently, though accounts of the full founding team differ.
- [SignaPay](https://paymentreview.com/reviews/signapay/): Grade B- (ISO). SignaPay is an independent sales organization in Irving, Texas, best known for PayLo, its dual-pricing program that shows a cash price and a card price at the point of sale so the card cost lands on the customer who chose…
- [Splitit](https://paymentreview.com/reviews/splitit/): Grade B- (BNPL Network). Splitit is an Atlanta-headquartered installment provider that works differently from every other name in buy-now-pay-later.
- [SpotOn](https://paymentreview.com/reviews/spoton/): Grade B- (POS & Business Software). A restaurant-first point-of-sale and payments platform founded in 2017, with published plan rates, next-morning funding and unusually well-regarded support.
- [Squarespace Payments](https://paymentreview.com/reviews/squarespace-payments/): Grade B- (Payfac / Aggregator). Squarespace Payments is the native payment processor inside Squarespace, the New York website builder founded by Anthony Casalena in 2003 and taken private by Permira in October 2024 for about $7.2bn.
- [Tabby](https://paymentreview.com/reviews/tabby/): Grade B- (BNPL Network). 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.
- [TailoredPay](https://paymentreview.com/reviews/tailoredpay/): Grade B- (Agent Office / Reseller). A small Miami high-risk merchant account broker founded in 2019, whose whole proposition is placing US businesses that ordinary acquirers decline — adult, CBD, vape, lending, dating, telemedicine,…
- [Talus Pay](https://paymentreview.com/reviews/talus-pay/): Grade B- (ISO). Talus Pay is a Dallas merchant-services organisation trading as FPT Operating Company, LLC.
- [Tamara](https://paymentreview.com/reviews/tamara/): Grade B- (BNPL Network). 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.
- [Tap Payments](https://paymentreview.com/reviews/tap-payments/): Grade B- (Payfac / Aggregator). Tap Payments is a payment gateway and payment facilitator for businesses in the Gulf and wider Middle East.
- [TD Merchant Solutions](https://paymentreview.com/reviews/td-merchant-solutions/): Grade B- (Platform / Acquirer). TD Merchant Solutions is the merchant-services arm of TD Bank, N.A., the Cherry Hill, New Jersey bank that operates as 'America's Most Convenient Bank' from Maine to Florida and is owned by Toronto-Dominion…
- [Truist Merchant Services](https://paymentreview.com/reviews/truist-merchant-services/): Grade B- (Platform / Acquirer). Truist Merchant Services is the card-acceptance arm of Truist Bank, the Charlotte, North Carolina bank formed in December 2019 by the merger of BB&T and SunTrust.
- [Trustly](https://paymentreview.com/reviews/trustly/): Grade B- (Bank / A2A Payments). Trustly is a Swedish open-banking payments company, launched in Stockholm in 2008, that moves money directly from a shopper's bank account to a merchant's — bypassing the card networks entirely.
- [Unzer](https://paymentreview.com/reviews/unzer/): Grade B- (Payfac / Aggregator). 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…
- [Venmo (Business Profiles)](https://paymentreview.com/reviews/venmo/): Grade B- (Payfac / Aggregator). A Venmo business profile lets a sole proprietor, club or registered business accept payments from Venmo's 67 million monthly users inside the app — by username, QR code, or, since March 2024, Tap to Pay on a…
- [Wave (Wave Financial)](https://paymentreview.com/reviews/wave/): Grade B- (Payfac / Aggregator). Wave is a Toronto software company, started in April 2010, that gives away accounting and invoicing to very small businesses and makes its money when those invoices get paid.
- [Windcave](https://paymentreview.com/reviews/windcave/): Grade B- (Platform / Acquirer). 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.
- [Wise Business](https://paymentreview.com/reviews/wise-business/): Grade B- (Bank / A2A Payments). Wise Business is the business version of the Wise multi-currency account, run by Wise, the London company that launched as TransferWise in 2011.
- [Wix Payments](https://paymentreview.com/reviews/wix-payments/): Grade B- (Payfac / Aggregator). Wix Payments is the native payment processor inside Wix, the website builder founded in Tel Aviv in 2006 by Avishai Abrahami, Nadav Abrahami and Giora Kaplan and listed on Nasdaq since 2013.
- [Worldline](https://paymentreview.com/reviews/worldline/): Grade B- (Platform / Acquirer). Europe's largest listed payments company and, since March 2026, one that no longer sells to North American merchants at all — it sold its North American subsidiaries, including Bambora North America, to…
- [Xendit](https://paymentreview.com/reviews/xendit/): Grade B- (Payfac / Aggregator). Xendit is a Jakarta-based payments company founded in 2015 by Moses Lo, Tessa Wijaya, Bo Chen and Juan Gonzalez, which went through Y Combinator's Summer 2015 batch as a peer-to-peer payments app and pivoted…
- [Xsolla](https://paymentreview.com/reviews/xsolla/): Grade B- (Merchant of Record). Xsolla is a merchant of record built specifically for video games, founded in Perm, Russia in 2005 as 2Pay by Aleksandr Agapitov, renamed Xsolla in 2011 and headquartered in Sherman Oaks, Los Angeles since…
- [Bank of America Merchant Services](https://paymentreview.com/reviews/bank-of-america-merchant-services/): Grade C+ (Platform / Acquirer). Bank of America Merchant Services is a large, bank-integrated payment processing solution ideal for existing BofA business checking customers who value brand stability, seamless funding, and broad payment…
- [Blackbaud Merchant Services (Blackbaud Integrated Payments)](https://paymentreview.com/reviews/blackbaud-merchant-services/): Grade C+ (Payfac / Aggregator). Blackbaud Merchant Services — renamed Blackbaud Integrated Payments (BBIP) in 2025 — is the payment processing built into Blackbaud's fundraising, school and CRM software: Raiser's Edge NXT, eTapestry,…
- [BlueSnap](https://paymentreview.com/reviews/bluesnap/): Grade C+ (Platform / Acquirer). A capable global orchestration platform — published card rates in a handful of countries, local acquiring in 50 more, one integration for over 200 regions — carrying a 2024 FTC settlement for processing…
- [CardConnect](https://paymentreview.com/reviews/cardconnect/): Grade C+ (ISO). A Fiserv-owned merchant services brand built around the CardPointe platform, sold almost entirely through independent sales agents and ISOs.
- [Celero Commerce](https://paymentreview.com/reviews/celero-commerce/): Grade C+ (ISO). Celero Commerce is a Tennessee payment and business-software company that grew quickly by acquisition and was itself acquired by Deluxe for $625 million in a deal that closed on 31 July 2026.
- [Checkout.com](https://paymentreview.com/reviews/checkoutcom/): Grade C+ (Platform / Acquirer).
- [Dodo Payments](https://paymentreview.com/reviews/dodo-payments/): Grade C+ (Merchant of Record). Dodo Payments is a merchant-of-record billing platform for software, SaaS and AI products, founded in 2024 in Bengaluru by Rishabh Goel and Ayush Agarwal and backed by a $1.1 million pre-seed round in…
- [Gumroad](https://paymentreview.com/reviews/gumroad/): Grade C+ (Merchant of Record). Gumroad is a storefront and checkout for people selling digital products — e-books, courses, software, memberships, design assets — founded in San Francisco in 2011 by Sahil Lavingia and, since 1 January…
- [Instabill](https://paymentreview.com/reviews/instabill/): Grade C+ (Agent Office / Reseller). A small New Hampshire high-risk shop that places merchant accounts with domestic and offshore banks for verticals mainstream acquirers refuse.
- [Kurv (formerly Electronic Merchant Systems)](https://paymentreview.com/reviews/kurv/): Grade C+ (ISO). A November 2025 rebrand of Electronic Merchant Systems, a Cleveland processor trading since 1988 and now owned by private equity. The new brand publishes real sample rates and funds next business day, which is progress.
- [Leaders Merchant Services](https://paymentreview.com/reviews/leaders-merchant-services/): Grade C+ (ISO). A California merchant services reseller that is no longer an independent company: its own website footer reads 'Paysafe Payment Processing Solutions, LLC dba Leaders Merchant Services', the end point of a chain that ran…
- [Lemon Squeezy](https://paymentreview.com/reviews/lemon-squeezy/): Grade C+ (Merchant of Record). Lemon Squeezy is a merchant-of-record platform for selling software, digital downloads, subscriptions and licence keys, launched publicly in 2021 by a small team of founders led by JR Farr and acquired by…
- [Merchant One](https://paymentreview.com/reviews/merchant-one/): Grade C+ (ISO). A Miami Beach independent sales organization, incorporated in 2002 and bought by Fiserv in December 2022 for about $300 million — a fact almost no review of it mentions, and one that undercuts its own "we're not a broker or…
- [Mindbody](https://paymentreview.com/reviews/mindbody/): Grade C+ (POS & Business Software). Mindbody is booking, scheduling and point-of-sale software for fitness studios, gyms, salons and spas, founded in San Luis Obispo, California in 2001 and now the best-known brand in wellness software.
- [North (North American Bancard)](https://paymentreview.com/reviews/north-american-bancard/): Grade C+ (Platform / Acquirer). One of the largest privately held US acquirers, rebranded from North American Bancard in 2024 — a rebrand that also reset its public review record.
- [Payment Depot](https://paymentreview.com/reviews/payment-depot/): Grade C+ (ISO). Payment Depot, now operating as "Payment Depot by Stax," is a California-based merchant services provider founded in 2013 that pioneered the subscription/interchange-plus pricing model for small businesses, but has…
- [PNC Merchant Services](https://paymentreview.com/reviews/pnc-merchant-services/): Grade C+ (Platform / Acquirer). PNC Merchant Services is the card-acceptance arm of PNC Bank, and PNC describes it on its own site as an alliance between the bank and Fiserv — PNC owns the customer relationship and support, Fiserv provides…
- [ProPay](https://paymentreview.com/reviews/propay/): Grade C+ (Payfac / Aggregator). ProPay is a Lindon, Utah payment facilitator that has sold instant-activation card acceptance to home-based sellers, direct-selling distributors and small merchants since 1997, and now operates as a…
- [Riverside Payments](https://paymentreview.com/reviews/riverside-payments/): Grade C+ (ISO). Riverside Payments is an independent sales organisation in Vancouver, Washington, registered with the Better Business Bureau since 2014 and a registered ISO of Wells Fargo Bank, N.A. of Concord, California.
- [SMB Global](https://paymentreview.com/reviews/smb-global/): Grade C+ (Agent Office / Reseller). A small Utah high-risk shop that places domestic and offshore merchant accounts for hard-to-approve verticals.
- [TouchBistro](https://paymentreview.com/reviews/touchbistro/): Grade C+ (POS & Business Software). TouchBistro is an iPad-based restaurant point of sale system from Toronto, used by more than 16,000 restaurants and acquired by Constellation Software's Harris division in July 2026.
- [Verifone](https://paymentreview.com/reviews/verifone/): Grade C+ (Platform / Acquirer). The terminal company that became a payments company.
- [Verotel](https://paymentreview.com/reviews/verotel/): Grade C+ (Merchant of Record). Verotel is an Amsterdam internet payment service provider that has billed adult, webcam and other online-entertainment sites since January 1998.
- [Wells Fargo Merchant Services](https://paymentreview.com/reviews/wells-fargo-merchant-services/): Grade C+ (Platform / Acquirer). Wells Fargo Merchant Services is a division of one of the largest U.S. banks, offering credit and debit card processing, Clover POS systems, and e-commerce solutions to small and medium-sized businesses.
- [Worldpay](https://paymentreview.com/reviews/worldpay/): Grade C+ (Platform / Acquirer). One of the largest acquirers in the world, bought by Global Payments in January 2026 and now being folded into that brand.
- [Bolt](https://paymentreview.com/reviews/bolt/): Grade C (Gateway / Orchestration). Bolt Financial, Inc. is the one-click checkout company founded in San Francisco in 2014 by Ryan Breslow and Eric Feldman, which raised $355 million led by BlackRock in January 2022 at an $11 billion…
- [Global Payments](https://paymentreview.com/reviews/global-payments/): Grade C (Platform / Acquirer). Global Payments Inc. is a Fortune 500 payments technology behemoth, processing trillions of dollars annually across 38 countries, offering massive scale and enterprise capabilities, but consistently…
- [High Risk Pay](https://paymentreview.com/reviews/high-risk-pay/): Grade C (Agent Office / Reseller). High Risk Pay is a merchant account provider specializing in high-risk merchant services and payment processing solutions including credit card and ACH acceptance for businesses that struggle with…
- [Merchant Lynx Services](https://paymentreview.com/reviews/merchant-lynx/): Grade C (ISO). Merchant Lynx Services is a Florida independent sales organisation, operating from Palm Beach Gardens as the trading name of Groundhog Enterprises, Inc., which the Better Business Bureau records as having started in April…
- [Elavon](https://paymentreview.com/reviews/elavon/): Grade C- (Platform / Acquirer). Elavon is one of the world's largest payment processors, serving over 2 million merchant locations across 36 countries offering a comprehensive suite of enterprise payment solutions, but widely criticized by…
- [Paysafe](https://paymentreview.com/reviews/paysafe/): Grade C- (Platform / Acquirer). Paysafe is a global payments technology platform that provides merchants and consumers with payment processing, digital wallet services, alternative payment methods, and secure transaction infrastructure.

## Categories

- [Payment Platforms](https://paymentreview.com/categories/payment-platforms/): Companies that hold the acquiring relationship and run their own processing stack. Everyone further down this list ultimately settles on rails like these.
- [Payment Facilitators](https://paymentreview.com/categories/payment-facilitators/): You sign up under the facilitator's master merchant account. Approval is fast and the price is usually published, but the account is theirs rather than yours, which is what makes a sudden hold possible.
- [ISOs](https://paymentreview.com/categories/isos/): Independent Sales Organizations are registered with the card networks and sponsored by an acquiring bank. They can underwrite and price, and they hold your merchant agreement.
- [Agent Offices](https://paymentreview.com/categories/agent-offices/): Agent offices and brokers sell and service accounts but hold no card-network registration of their own. Your contract, reserve and funding terms come from whichever ISO they place your file with — ask which one before you sign.
- [Payment Gateways](https://paymentreview.com/categories/payment-gateways/): The layer that carries a transaction from your checkout to a processor. A gateway is not a merchant account, and most businesses need both.
- [POS Systems](https://paymentreview.com/categories/pos-systems/): Software you run the business on that also takes the payments. You are buying the system first; the processing comes attached, and leaving usually means replacing both.
- [Buy Now, Pay Later Providers](https://paymentreview.com/categories/buy-now-pay-later/): They pay you up front and carry the shopper's credit risk, at a commission several times the cost of taking the same sale on a card. A conversion tool, not a cheaper way to get paid.
- [Merchants of Record](https://paymentreview.com/categories/merchants-of-record/): They sell your product as the legal seller, taking on sales tax, VAT and chargeback liability in exchange for a larger share of each sale.
- [Bank Payment Providers](https://paymentreview.com/categories/bank-payment-providers/): ACH, open banking and other bank-rail payments rather than cards. Cheaper per transaction, slower to settle, and no interchange.

## Comparisons

- [Adyen vs Braintree](https://paymentreview.com/comparisons/adyen-vs-braintree/): Adyen vs Braintree compared on published rates, contract terms, payouts, in-person acceptance, PayPal and Venmo support, and reputation. Which fits your business?
- [Adyen vs Checkout.com](https://paymentreview.com/comparisons/adyen-vs-checkoutcom/): Adyen vs Checkout.com for enterprise merchants: published rates, acquiring licences, in-person support, settlement and scale compared side by side.
- [Adyen vs Worldpay](https://paymentreview.com/comparisons/adyen-vs-worldpay/): Adyen vs Worldpay compared on published card pricing, minimums, contract terms, settlement, acquiring model, ownership after the Global Payments deal and reputation.
- [Affirm vs Afterpay](https://paymentreview.com/comparisons/affirm-vs-afterpay/): Affirm vs Afterpay for merchants: who funds the plan, settlement speed, ticket size, reach and disclosure compared, with a verdict on which BNPL fits.
- [Affirm vs Sezzle for merchants](https://paymentreview.com/comparisons/affirm-vs-sezzle/): Affirm vs Sezzle for US and Canadian retailers: merchant rates, dispute fees, shopper plans and late fees, payout speed, integrations, reach and reputation.
- [Afterpay vs Zip for US merchants](https://paymentreview.com/comparisons/afterpay-vs-zip/): Afterpay vs Zip for US merchants: Zip publishes 5.9% + 30¢ and a 2–3 day settlement window; Afterpay publishes neither but brings Square and Cash App.
- [Airwallex vs Payoneer](https://paymentreview.com/comparisons/airwallex-vs-payoneer/): Airwallex vs Payoneer on card rates, FX markup, withdrawal fees, card costs, eligibility and support. Airwallex is cheaper; Payoneer takes freelancers.
- [Airwallex vs Revolut Business](https://paymentreview.com/comparisons/airwallex-vs-revolut-business/): Airwallex vs Revolut Business compared on UK card rates, plan fees, FX, settlement speed, hardware, markets and support to pick the right global business account.
- [Airwallex vs Stripe for international payments](https://paymentreview.com/comparisons/airwallex-vs-stripe/): Airwallex vs Stripe compared on US card rates, international and FX fees, in-person options, bank debits, dispute fees, settlement, support and Trustpilot standing.
- [Amazon Pay vs PayPal](https://paymentreview.com/comparisons/amazon-pay-vs-paypal/): Amazon Pay's wallet button costs 2.9% + $0.30 against PayPal's 3.49% + $0.49. PayPal does everything else. Rates, payouts and fees compared.
- [Authorize.net vs Braintree](https://paymentreview.com/comparisons/authorize-net-vs-braintree/): Authorize.net vs Braintree compared on published rates, monthly fees, contracts, currencies, fraud tools and support, with picks by business type.
- [Authorize.net vs NMI](https://paymentreview.com/comparisons/authorize-net-vs-nmi/): Authorize.net vs NMI: one publishes a $25 gateway price you can buy today, the other sells only through resellers. Pricing, reach, support and contracts.
- [Cantaloupe vs Nayax for vending and unattended payments](https://paymentreview.com/comparisons/cantaloupe-vs-nayax/): Cantaloupe vs Nayax for US vending operators: per-sale rates by ticket size, reader prices, monthly fees, contracts, payouts, software, kiosks and reputation.
- [CCBill vs Segpay for high-risk billing](https://paymentreview.com/comparisons/ccbill-vs-segpay/): Neither CCBill nor Segpay publishes a rate. Here is what you can verify: account models, acquiring banks, licences, payout schedules and standing.
- [Chase Payment Solutions vs Square](https://paymentreview.com/comparisons/chase-payment-solutions-vs-square/): Chase Payment Solutions vs Square: Chase is cheaper on every published card rate, Square is easier to start and leave. Rates, funding, contracts and support.
- [Clip vs Mercado Pago for Mexican businesses](https://paymentreview.com/comparisons/clip-vs-mercado-pago/): Clip vs Mercado Pago in Mexico: card rates + IVA, meses sin intereses surcharges, payment links, terminal prices, payout speed and chargebacks compared.
- [Clover vs SpotOn for restaurants](https://paymentreview.com/comparisons/clover-vs-spoton/): Clover vs SpotOn for restaurants: published rates, plan costs, hardware, funding speed, contract length and support compared, with picks by operation.
- [Corepay vs PayKings](https://paymentreview.com/comparisons/corepay-vs-paykings/): Corepay and PayKings are great payment processors, with PayKings being the superior choice for high risk merchants
- [Cybersource vs Authorize.net](https://paymentreview.com/comparisons/cybersource-vs-authorize-net/): Cybersource vs Authorize.net — Visa's two payment gateways compared on published pricing, fraud tools, acquirer reach, contracts, sign-up, support and reputation.
- [dLocal vs EBANX for emerging-market payments](https://paymentreview.com/comparisons/dlocal-vs-ebanx/): dLocal vs EBANX compared on market coverage, local payment methods, published fees, settlement, contract terms, scale, licences and reputation for global merchants.
- [Dodo Payments vs Polar](https://paymentreview.com/comparisons/dodo-payments-vs-polar/): Dodo Payments vs Polar compared on merchant-of-record rates, paid plans, surcharges, dispute fees, payouts, eligibility, contract terms, tooling and reputation.
- [Dwolla vs Moov](https://paymentreview.com/comparisons/dwolla-vs-moov/): Dwolla vs Moov compared for US platforms: ACH, RTP and FedNow payouts, push to card, card acceptance, published pricing, wallets, KYC, bank partners and ownership.
- [Epos Now vs Square for UK businesses](https://paymentreview.com/comparisons/epos-now-vs-square/): Epos Now vs Square in the UK: card rates in GBP, till software and hardware costs, Epos Now's contract and exit terms, payouts, support hours and Trustpilot scores.
- [Fresha vs Vagaro for salons and spas](https://paymentreview.com/comparisons/fresha-vs-vagaro/): Fresha vs Vagaro compared on software price, in-person and online card rates, marketplace commission, payouts, hardware, support and reputation for salons and spas.
- [GlossGenius vs Vagaro for salons and spas](https://paymentreview.com/comparisons/glossgenius-vs-vagaro/): GlossGenius vs Vagaro for US salons, spas and barbers: plan prices, card rates in person and online, hardware, payouts, marketplace, contracts and reputation.
- [GoCardless vs Stripe for recurring payments](https://paymentreview.com/comparisons/gocardless-vs-stripe/): GoCardless vs Stripe compared on ACH and bank-debit rates, card acceptance, settlement speed, failed-payment and dispute fees, international reach and support.
- [GoDaddy Payments vs Square](https://paymentreview.com/comparisons/godaddy-payments-vs-square/): GoDaddy Payments vs Square compared on in-person, online, invoice and keyed rates, ACH, dispute fees, payout speed, hardware, software plans, support and reputation.
- [Gumroad vs Lemon Squeezy](https://paymentreview.com/comparisons/gumroad-vs-lemon-squeezy/): Gumroad vs Lemon Squeezy compared on platform fees, tax handling, chargebacks, payout speed, features and reputation for selling digital products.
- [Helcim vs Dharma Merchant Services](https://paymentreview.com/comparisons/helcim-vs-dharma-merchant-services/): Two interchange-plus processors that publish their margins. Compare Helcim's zero fixed fees against Dharma's lower markup, and find the volume where each wins.
- [Helcim vs Moneris for Canadian businesses](https://paymentreview.com/comparisons/helcim-vs-moneris/): Helcim vs Moneris compared on Canadian card rates, Interac fees, contracts, terminals, deposits and support to help a Canadian business pick the right processor.
- [Helcim vs Payment Depot](https://paymentreview.com/comparisons/helcim-vs-payment-depot/): Both price at interchange plus a margin. Helcim publishes every tier and fee; Payment Depot publishes a per-transaction fee and quotes the rest.
- [Helcim vs Square](https://paymentreview.com/comparisons/helcim-vs-square/): Helcim vs Square in 2026: interchange-plus against flat-rate pricing, ACH, chargeback fees, hardware prices, payout speed, support hours and BBB standing compared.
- [Helcim vs Stax](https://paymentreview.com/comparisons/helcim-vs-stax/): Helcim vs Stax: interchange-plus with no monthly fee against a $99+ subscription with 0% markup. Where each one wins, and the volume where the maths flips.
- [Helcim vs Stripe](https://paymentreview.com/comparisons/helcim-vs-stripe/): Helcim prices at interchange plus a published margin and refunds won chargebacks. Stripe charges a flat 2.9% + 30¢ and never returns its dispute fee.
- [Jobber vs Housecall Pro for home-service businesses](https://paymentreview.com/comparisons/jobber-vs-housecall-pro/): Jobber vs Housecall Pro compared on plan prices, in-person and online card rates, ACH, payout speed, dispute fees, contract terms, support and reputation.
- [Klarna vs Affirm](https://paymentreview.com/comparisons/klarna-vs-affirm/): Klarna vs Affirm for merchants: published rates, dispute fees, payout timing, reach and product mix, verified against both companies' own documents.
- [Klarna vs Afterpay](https://paymentreview.com/comparisons/klarna-vs-afterpay/): Klarna vs Afterpay for merchants: fees, settlement timing, market reach and platform fit compared, with a verdict on which BNPL suits your business.
- [Klarna vs Sezzle for merchants](https://paymentreview.com/comparisons/klarna-vs-sezzle/): Klarna vs Sezzle for US retailers: standard merchant rates, shopper plans and APRs, payout timing, fraud risk, integrations, reach, contracts and reputation.
- [LawPay vs Clio Payments for law firms](https://paymentreview.com/comparisons/lawpay-vs-clio-payments/): LawPay vs Clio Payments for US law firms: card and eCheck rates, monthly costs, trust-account handling, payout speed, the ended Clio integration and BBB records.
- [Lightspeed vs Clover](https://paymentreview.com/comparisons/lightspeed-vs-clover/): Clover starts cheaper and swipes cheaper; Lightspeed publishes one price and runs deeper inventory. Compare 2026 plans, rates, hardware and payouts.
- [Melio vs BILL for paying vendors](https://paymentreview.com/comparisons/melio-vs-bill-com/): Melio vs BILL (Bill.com) compared on subscription pricing, ACH and check fees, delivery speed, accounting integrations, contract terms and reputation.
- [Mollie vs Adyen for European businesses](https://paymentreview.com/comparisons/mollie-vs-adyen/): Mollie vs Adyen on their Dutch price lists: blended card rates vs Interchange++, a worked €50 example, payouts, minimums, onboarding, in-person and reputation.
- [Moneris vs Square for Canadian businesses](https://paymentreview.com/comparisons/moneris-vs-square/): Moneris vs Square in Canada: CAD card and Interac rates, terminal rental vs purchase, Moneris's 3-year agreement, payouts, POS software, support and reputation.
- [Paddle vs FastSpring](https://paymentreview.com/comparisons/paddle-vs-fastspring/): Paddle vs FastSpring in 2026: the two merchant-of-record platforms for software compared on rates, chargeback fees, payout timing, contracts and BBB standing.
- [Paddle vs Lemon Squeezy](https://paymentreview.com/comparisons/paddle-vs-lemon-squeezy/): Paddle vs Lemon Squeezy: both charge 5% + 50c as merchant of record, but surcharges, payouts, chargebacks, support and Lemon Squeezy's future under Stripe differ.
- [Paddle vs Stripe for SaaS](https://paymentreview.com/comparisons/paddle-vs-stripe/): Paddle vs Stripe: merchant of record against payment processor. Real cost once tax and billing are added, payout speed, and who carries the tax liability.
- [PayKings vs Square](https://paymentreview.com/comparisons/square-vs-paykings/): Compare pricing and the pros and cons of Square vs PayKings to find out which is a better fit for your business.
- [PaymentCloud vs Durango Merchant Services for high-risk merchants](https://paymentreview.com/comparisons/payment-cloud-vs-durango-merchant-services/): PaymentCloud vs Durango Merchant Services compared on published pricing, setup and reserves, approval speed, international coverage, support, BBB and Trustpilot.
- [PayMongo vs Xendit for Philippine businesses](https://paymentreview.com/comparisons/paymongo-vs-xendit/): PayMongo vs Xendit in the Philippines: VAT-exclusive rates for cards, GCash, Maya, QR Ph and OTC, plus Xendit's ₱11 fee from 1 October, payouts and BSP status.
- [Payoneer vs PayPal for getting paid across borders](https://paymentreview.com/comparisons/payoneer-vs-paypal/): Payoneer vs PayPal across borders: Payoneer's local receiving accounts are free where PayPal adds 1.5% and a 3-4% conversion spread; PayPal has the checkout.
- [Payoneer vs Wise Business for getting paid internationally](https://paymentreview.com/comparisons/payoneer-vs-wise-business/): Payoneer vs Wise Business for a US freelancer or seller paid from abroad: account fees, EUR and GBP receipts, a worked €1,000 conversion, withdrawals and cards.
- [PayPal vs Authorize.net](https://paymentreview.com/comparisons/paypal-vs-authorize-net/): PayPal vs Authorize.net for US businesses: online and in-person card rates, monthly fees, gateway-only plans, recurring billing, chargebacks, payouts and reputation.
- [Paystack vs Flutterwave](https://paymentreview.com/comparisons/paystack-vs-flutterwave/): Paystack vs Flutterwave compared on Nigerian and international card fees, fee caps, transfer fees, settlement, chargebacks, country coverage, support and reputation.
- [Polar vs Lemon Squeezy](https://paymentreview.com/comparisons/polar-vs-lemon-squeezy/): Polar vs Lemon Squeezy compared on merchant-of-record fees, paid plans, surcharges, payout speed and minimums, developer tooling, ownership and reputation.
- [QuickBooks Payments vs FreshBooks Payments](https://paymentreview.com/comparisons/quickbooks-payments-vs-freshbooks-payments/): QuickBooks Payments vs FreshBooks Payments: US invoice, in-person, keyed and ACH rates, payout speed, instant payout and chargeback fees, and the plan you must buy.
- [QuickBooks Payments vs Square](https://paymentreview.com/comparisons/quickbooks-payments-vs-square/): QuickBooks Payments charges 2.5% in person with no per-transaction cents. Square costs more per swipe but adds a full POS and no chargeback fee.
- [Razorpay vs Cashfree Payments](https://paymentreview.com/comparisons/razorpay-vs-cashfree-payments/): Razorpay vs Cashfree Payments for Indian businesses: UPI, card, Amex and EMI rates, GST, settlement times, instant settlement fees, RBI licences and reputation.
- [Razorpay vs PayU](https://paymentreview.com/comparisons/razorpay-vs-payu/): Razorpay vs PayU India: card, UPI, Amex and EMI rates with GST, settlement times, instant settlement, termination and fund-hold terms, RBI licences and reviews.
- [Razorpay vs Stripe for Indian businesses](https://paymentreview.com/comparisons/razorpay-vs-stripe/): Razorpay vs Stripe for a business in India: who can sign up, domestic and international rates, UPI, GST, settlement speed, dispute fees, support and reputation.
- [Sezzle vs Afterpay for US merchants](https://paymentreview.com/comparisons/sezzle-vs-afterpay/): Sezzle vs Afterpay for US merchants: neither publishes its commission; Sezzle prints its $15 minimum and inactive-account fees, Afterpay brings Square and Cash App.
- [Shift4 vs Toast for restaurants](https://paymentreview.com/comparisons/shift4-vs-toast-pos/): Shift4 vs Toast for restaurants: software cost, published card rates, hardware, payouts and contract terms compared, with a verdict on which fits.
- [Shopify Payments vs PayPal](https://paymentreview.com/comparisons/shopify-payments-vs-paypal/): Shopify Payments vs PayPal on rates, plan costs, payouts and disputes, plus the truth about whether Shopify charges extra when you accept PayPal.
- [Shopify Payments vs Stripe](https://paymentreview.com/comparisons/shopify-payments-vs-stripe/): Shopify Payments runs on Stripe — Shopify's own processor list names it. So what actually differs: plan fees, rate tiers, the 2% penalty, and platform reach.
- [Shopify Payments vs WooPayments](https://paymentreview.com/comparisons/shopify-payments-vs-woopayments/): Shopify Payments cuts its rate on higher plans and charges 2% to use another gateway. WooPayments costs nothing monthly and never penalises a switch.
- [SpotOn vs Square for restaurants](https://paymentreview.com/comparisons/spoton-vs-square/): SpotOn vs Square for US restaurants: per-station vs per-location plans, card rates, Amex, hardware, add-ons, payout speed, contracts, 24/7 support and reputation.
- [Square vs Clover](https://paymentreview.com/comparisons/square-vs-clover/): Square vs Clover in 2026: published flat-rate pricing against reseller-set contracts. Rates, monthly fees, hardware, contracts and early-termination terms compared for small business POS.
- [Square vs Lightspeed](https://paymentreview.com/comparisons/square-vs-lightspeed/): Square vs Lightspeed compared on published rates, software plans, contract terms, payouts and support, with a verdict for retail and restaurants.
- [Square vs PayPal](https://paymentreview.com/comparisons/square-vs-paypal/): PayPal is cheaper per in-person sale; Square charges no chargeback fee and no FX spread. Published US rates, hardware, payouts and software compared.
- [Square vs Shopify Payments](https://paymentreview.com/comparisons/square-vs-shopify-payments/): Square vs Shopify Payments compared on rates, plan fees, payouts, dispute fees and contract terms, with verified 2026 figures from both companies.
- [Square vs SumUp](https://paymentreview.com/comparisons/square-vs-sumup/): SumUp is a nickel cheaper on every swipe; Square does everything else. Compare 2026 rates, hardware, payouts and fees for both flat-rate processors.
- [Square vs Tyro for Australian businesses](https://paymentreview.com/comparisons/square-vs-tyro/): Square vs Tyro compared on Australian card rates, terminal costs, lock-in terms, settlement speed, POS integrations, support hours and Trustpilot standing.
- [Stax vs Payment Depot](https://paymentreview.com/comparisons/stax-vs-payment-depot/): Stax owns Payment Depot and the two now publish the same rate card. What actually differs, what the old $79 figure gets wrong, and which to sign.
- [Stax vs Square](https://paymentreview.com/comparisons/stax-vs-square/): Stax vs Square compared on subscription versus flat-rate pricing, per-transaction fees, contracts, payouts, hardware, POS software and reputation.
- [Stripe vs Adyen](https://paymentreview.com/comparisons/stripe-vs-adyen/): Stripe vs Adyen in 2026: 2.9% + $0.30 flat rate against Interchange++ plus $0.13, dispute fees, contracts, payouts, terminals, support and BBB standing compared.
- [Stripe vs Authorize.net](https://paymentreview.com/comparisons/stripe-vs-authorize-net/): Stripe vs Authorize.net: an all-in-one processor against a gateway you point at your own merchant account. Costs, control, risk and support compared.
- [Stripe vs Braintree](https://paymentreview.com/comparisons/stripe-vs-braintree/): Stripe vs Braintree compared on published US rates, PayPal and Venmo support, in-person payments, payouts and support — with the rows that actually differ.
- [Stripe vs Checkout.com](https://paymentreview.com/comparisons/stripe-vs-checkoutcom/): Stripe vs Checkout.com: a published 2.9% + 30¢ and self-serve signup against negotiated enterprise pricing and regional acquiring. Rates, payouts, verdict.
- [Stripe vs Mollie for European businesses](https://paymentreview.com/comparisons/stripe-vs-mollie/): Stripe vs Mollie on their European price lists: EEA card rates, iDEAL, Klarna, terminals, payouts, disputes, support and Trustpilot standing, compared cell by cell.
- [Stripe vs PayPal](https://paymentreview.com/comparisons/stripe-vs-paypal/): Stripe vs PayPal in 2026: 2.9% + $0.30 against 2.89% + $0.29, chargeback fees, holds, international costs and dispute outcomes compared. Which to use as your processor, and which as a checkout button.
- [Stripe vs Square](https://paymentreview.com/comparisons/stripe-vs-square/): Stripe is often the best choice for online businesses while Square is best for most in-person businesses. Here is why:
- [SumUp vs Dojo for UK card machines](https://paymentreview.com/comparisons/sumup-vs-dojo/): SumUp vs Dojo for a UK card machine: 1.69% pay-as-you-go against £39.99 a month plus 1%, with reader prices, contracts, payouts, chargebacks and support compared.
- [SumUp vs myPOS for UK card machines](https://paymentreview.com/comparisons/sumup-vs-mypos/): SumUp vs myPOS compared on UK card rates by card type, reader prices, payout speed, e-money accounts, transfer fees, support and Trustpilot standing.
- [Tabby vs Tamara for merchants](https://paymentreview.com/comparisons/tabby-vs-tamara/): Tabby vs Tamara for Saudi and UAE merchants: fees, refund and dispute terms, payouts, shopper plans, contracts, integrations, licences and reputation.
- [takepayments vs Dojo for UK card machines](https://paymentreview.com/comparisons/takepayments-vs-dojo/): takepayments vs Dojo for UK card machines: quoted-only pricing and a 4.8 Trustpilot record against Dojo's published £39.99 Fix plan and fee schedule.
- [Teya vs Dojo for UK card machines](https://paymentreview.com/comparisons/teya-vs-dojo/): Teya vs Dojo compared on card machine pricing, transaction rates, contract length, settlement speed, EPOS integrations, support hours and Trustpilot standing.
- [Tithe.ly vs Pushpay for church giving](https://paymentreview.com/comparisons/tithely-vs-pushpay/): Tithe.ly vs Pushpay for US churches: giving fees, software costs, contract terms, deposit timing, giving tools, integrations, ownership and BBB record.
- [Toast POS vs SpotOn for restaurants](https://paymentreview.com/comparisons/toast-pos-vs-spoton/): SpotOn publishes its card rates and sells a month-to-month plan. Toast publishes neither, but ships the deeper restaurant platform. Fees compared.
- [Toast vs Clover for restaurants](https://paymentreview.com/comparisons/toast-pos-vs-clover/): Toast vs Clover for restaurants: software fees, published card rates, 36-month terms, early termination, funding speed and support, compared side by side.
- [Toast vs Lightspeed for restaurants](https://paymentreview.com/comparisons/toast-pos-vs-lightspeed/): Toast vs Lightspeed compared on published plan pricing, contract terms and exit fees, payouts and support, with figures from both companies' own documents.
- [Toast vs NCR Aloha (NCR Voyix) for restaurants](https://paymentreview.com/comparisons/toast-pos-vs-ncr-voyix/): Toast vs NCR Aloha (NCR Voyix) for US restaurants: published vs quoted pricing, contract length and exits, deposits, features, ownership, BBB and Trustpilot.
- [Toast vs Square for restaurants](https://paymentreview.com/comparisons/toast-vs-square/): Toast vs Square for restaurants in 2026: 2.49% + $0.15 against 2.6% + $0.15, plus the $69 monthly fee, the two-year contract and the $150-per-remaining-month termination fee compared.
- [Toast vs TouchBistro for restaurants](https://paymentreview.com/comparisons/toast-pos-vs-touchbistro/): Toast vs TouchBistro compared on plan pricing, deposit speed, hardware lock-in, support and reputation. Neither publishes a card processing rate.
- [TouchBistro vs Lightspeed for restaurants](https://paymentreview.com/comparisons/touchbistro-vs-lightspeed/): TouchBistro vs Lightspeed: both start at $69 a month and both auto-renew. Where the add-on pricing, payouts, contracts and reputations actually differ.
- [Tyro vs Zeller for Australian EFTPOS](https://paymentreview.com/comparisons/tyro-vs-zeller/): Tyro vs Zeller for Australian EFTPOS: Tyro rents terminals from $19 a month at 1.3% and settles same day to a bank account; Zeller sells one for A$99 at 1.4%.
- [Vagaro vs Mindbody](https://paymentreview.com/comparisons/vagaro-vs-mindbody/): Vagaro vs Mindbody compared on software price, published card rates, payouts, chargeback fees, marketplace fees, contract terms, support and reputation.
- [Viva.com vs SumUp for UK card machines](https://paymentreview.com/comparisons/viva-com-vs-sumup/): Viva.com vs SumUp for UK businesses: in-person and online rates, monthly plans, card machine prices, payout speed, chargeback fees, business accounts and reputation.
- [Wave vs QuickBooks Payments](https://paymentreview.com/comparisons/wave-vs-quickbooks-payments/): Wave vs QuickBooks Payments compared on invoice card rates, ACH, in-person payments, software cost, chargebacks, deposit speed and support for US small businesses.
- [Wise Business vs Revolut Business for UK businesses](https://paymentreview.com/comparisons/wise-business-vs-revolut-business/): Wise Business vs Revolut Business on UK pricing: plan fees, GBP/EUR conversion with a worked example, transfers, cards, card acceptance and FSCS protection.
- [Wisetack vs Sunbit for service businesses](https://paymentreview.com/comparisons/wisetack-vs-sunbit/): Wisetack vs Sunbit for US service businesses: merchant fees, loan sizes and terms, 0% plans and interest, payouts, disputes, lenders, integrations and reviews.
- [Wix Payments vs Squarespace Payments](https://paymentreview.com/comparisons/wix-payments-vs-squarespace-payments/): Wix Payments vs Squarespace Payments compared on US card rates by plan, platform fees, Amex, ACH, in-person rates, payout speed, chargebacks and support.
- [WooPayments vs Stripe for WooCommerce stores](https://paymentreview.com/comparisons/woopayments-vs-stripe/): WooPayments vs the Stripe plugin for US WooCommerce stores: card, in-person and BNPL rates, dispute fees, payouts, setup, support and BBB record.
- [Zeller vs Square for Australian businesses](https://paymentreview.com/comparisons/zeller-vs-square/): Zeller vs Square in Australia: 1.4% vs 1.6% in person, terminal prices, online rates, settlement, POS software, banking, support hours and Trustpilot.

## Guides

- [Your PCI non-compliance fee is not a Visa fine. Visa's rules forbid your bank from saying it is](https://paymentreview.com/blog/pci-compliance-fees-by-processor/): A PCI non-compliance fee looks like a card network penalty. It is not: Visa bills its assessments to banks, and its own rules forbid a bank from telling a merchant that Visa imposed one.
- [A gym's $60 monthly dues cost $2.29 to collect by card at Vagaro and 35 cents by bank debit at GoCardless](https://paymentreview.com/blog/gym-membership-dues-payment-fees/): Dues are charged to a stored card with no member present, and many platforms price that as a keyed card. On $60 dues, the platforms we review take $1.56 to $2.46 a member by card and 35 cents to $1 by bank debit.
- [A $1.50 snack costs 9 cents to process at Cantaloupe or Nayax. A big-bank debit card costs them 22 cents](https://paymentreview.com/blog/unattended-vending-card-payment-fees/): Card readers for vending machines, laundromats and car washes charge around 6% a sale, plus a monthly fee per machine. That looks expensive until you see what the card networks charge on a $1.50 purchase.
- [A $100 online gift costs a church about $2.30 to $5.29 in fees. Here is what each giving platform takes](https://paymentreview.com/blog/church-giving-platform-fees/): Church giving apps quote rates that look alike until you put the same gift through each one.
- [Clover terminals cannot be used with other processors. Which card machines you can keep when you switch](https://paymentreview.com/blog/keep-card-terminal-switch-processor/): Before you change processors, find out whether your card machine is coming with you. Clover, Toast, Lightspeed, Helcim and Shopify say their hardware works only with their own payments.
- [Square charges up to 2.5% to load a gift card, on top of the card fee. What six POS systems charge to run one](https://paymentreview.com/blog/gift-card-program-fees/): A gift card looks free to run until you read the fee table. Square and SpotOn charge a load fee when a card is sold, Shopify charges some newer stores when one is redeemed, and Toast and Clover do not publish theirs.
- [An HSA card is a Visa or Mastercard debit card. Whether yours can take one comes down to a four-digit code](https://paymentreview.com/blog/hsa-fsa-card-acceptance/): HSA and FSA cards run on the ordinary card networks, but the issuer only approves them at the right kind of merchant. A clinic is usually set already. A pharmacy needs the 90% rule.
- [A card-testing attack can put 10,000 declines through your checkout. Some processors bill you for each one](https://paymentreview.com/blog/card-testing-attack-fees/): Card testers use your checkout to find out which stolen card numbers still work. On a flat-rate plan the declines cost you nothing in processing fees.
- [Switching processors? Your customers' saved cards can move with you. Subscriptions and Apple Pay cannot](https://paymentreview.com/blog/switching-processors-stored-cards/): Most processors will hand your stored card numbers to your next one, but only processor to processor, and little else comes with them.
- [Square holds a bar tab for about 36 hours, Stripe a hotel stay for up to 30 days. Then the hold is gone](https://paymentreview.com/blog/card-authorization-holds-how-long/): Authorizing a card now and charging it later is how bars, hotels, rentals and made-to-order businesses work. The card networks set the outer limit and your processor usually sets a shorter one.
- [BigCommerce now charges up to 2% when you use your own processor, as Shopify does. What that costs you](https://paymentreview.com/blog/store-builder-fees-outside-processors/): Since 1 June 2026 BigCommerce bills a fee on orders run through processors outside its approved list, as Shopify does for anything but Shopify Payments.
- [Your card reader can keep taking cards when the internet drops. Every decline after that is yours](https://paymentreview.com/blog/offline-card-payments-internet-outage/): Most point-of-sale systems can store card payments during an outage and send them later. None of them guarantees those payments.
- [iDEAL is becoming Wero. The fee is frozen until 2028, and Stripe's US accounts are not on the Wero list yet](https://paymentreview.com/blog/ideal-wero-migration-merchants/): iDEAL, the way most Dutch shoppers pay online, is being replaced by Wero by the end of 2027. What changes for a merchant is disputes, subscriptions and, from 2029, the price.
- [Zelle charges a business nothing. Venmo takes 1.9% + 10¢. Here is what the fee buys, and what it does not](https://paymentreview.com/blog/venmo-cash-app-paypal-zelle-business-payments/): Venmo, PayPal, Cash App and Zelle all let a small business get paid from an app its customers already have.
- [A 'zero-fee' card program still charges someone about 4%. Whether it is allowed comes down to the price tag](https://paymentreview.com/blog/cash-discount-dual-pricing-programs/): Cash discount, dual pricing and surcharging are all sold as zero-fee processing. The card networks and the law treat them very differently, and the difference is which price you post.
- [India's UPI stops being free for merchants on 15 October. Online, the new 0.4% sits on top of a 2% gateway fee](https://paymentreview.com/blog/upi-merchant-fee-india-october-2026/): From 15 October 2026 a UPI payment above ₹2,000 costs the merchant 0.4%, capped at ₹300. What the government's FAQ actually says, who stays exempt, and why an online seller's bill moves less than a shopkeeper's.
- [A pricier retail POS plan cuts your card rate a tenth of a point. At Square that pays off at $49,000 a month](https://paymentreview.com/blog/retail-pos-plan-card-rates/): Square, Shopify and Clover all charge a lower in-person card rate on their more expensive retail plans.
- [UK interchange on a debit card is capped at 0.2%. Card machine providers charge a small shop 0.7% to 1.75%](https://paymentreview.com/blog/uk-card-machine-fees-2026/): What a UK small business pays for a card machine in 2026: the transaction rate, the monthly fee, the hardware and the contract, from each provider's own pages.
- [Tap a homeowner's card and Housecall Pro charges 2.59%. Tap a property manager's and it is 3.49%](https://paymentreview.com/blog/field-service-payment-fees/): Jobber and Housecall Pro both process on Stripe and both look cheap on a consumer card tapped at the door. The differences are in business cards, keyed cards, bank payments on big jobs, same-day payouts and financing.
- [A new client from the Fresha marketplace costs 20% of the ticket. Taking their card costs 2.29%](https://paymentreview.com/blog/salon-spa-payment-fees-2026/): Salon software is sold on its monthly price, which is the smallest of the three numbers you pay. The card rate is bigger, and the marketplace commission on a new client is nearly ten times the card rate.
- [A payment gateway costs $805 a year at Authorize.net. Four of its rivals will not quote a price](https://paymentreview.com/blog/payment-gateway-fees-who-publishes/): Authorize.net publishes every gateway fee it charges, down to the ten cents a day for closing a batch.
- [A $10,000 invoice from a client abroad costs $499 to collect through PayPal and about $54 through Airwallex](https://paymentreview.com/blog/receiving-international-client-payments-fees/): The same foreign client, the same $10,000, and a bill that runs from a few dollars to over five hundred depending on which rails it travels and who does the currency conversion.
- [Canada's small-merchant interchange cut widens on 24 October. Whether you see a cent depends on your processor](https://paymentreview.com/blog/canada-small-merchant-interchange-october-2026/): Ottawa's deal with Visa and Mastercard took small-business interchange to about 0.95% in October 2024. Stripe held its standard price and said why; Square cut its rates. Visa is now widening the program and cutting again.
- [Refund a $100 sale and your processor keeps about $3. The networks give most of it back — to the processor](https://paymentreview.com/blog/refund-fees-by-processor/): Stripe, Square, PayPal, Shopify and the rest all say the fee from the original sale is not returned when you refund it.
- [A year of agentic checkout: OpenAI pulled it, Visa says nobody pays with it, and you still own the chargeback](https://paymentreview.com/blog/agentic-commerce-merchants-2026/): Instant Checkout in ChatGPT launched in September 2025, charged 4% from January and was withdrawn in March. Visa's CEO now says consumers shop with AI and pay on the seller's site.
- [Visa charges a shop under $280,000 a year 1.29% on a plain credit card. On a flat rate you never see it](https://paymentreview.com/blog/visa-small-merchant-interchange-flat-rate/): Visa's own rate table carries a Small Merchant programme: lower interchange on consumer credit cards for any business under $280,000 a year in Visa credit sales.
- [Stripe, Fiserv and Checkout.com are now their own acquiring banks in Georgia. What that changes for you](https://paymentreview.com/blog/georgia-malpb-charter-stripe-fiserv-checkout/): A processor that is not a bank has always needed a bank behind it to reach Visa and Mastercard. A Georgia charter written in 2012 and unused for a decade now lets three of the largest processors hold that membership themselves.
- [A $10,000 invoice paid by bank costs $100 at QuickBooks and 59 cents at BILL. The cap is the whole difference](https://paymentreview.com/blog/invoice-payment-fees-ach-cap-who-pays/): Every invoicing platform charges about 2.9% to take a card. On a bank payment they range from 1% with no ceiling to a flat 59 cents to nothing at all.
- [The FTC settled with Humboldt and Nuvei in one week. What the orders forbid, and why applications get longer](https://paymentreview.com/blog/ftc-humboldt-nuvei-settlements-merchant-screening/): Two processors this site reviews signed federal consent orders in September 2026: Humboldt Merchant Services for $12 million and Nuvei for $4.85 million.
- [Tap to Pay on your phone costs the reader rate at Square and Shopify, and 10 cents more at Stripe and Helcim](https://paymentreview.com/blog/tap-to-pay-phone-fees-processors/): Apple lists 29 platforms that turn an iPhone into a card terminal in the US, and most of the processors this site reviews are on it.
- [A merchant of record takes between 4% and 13% of a software sale. Here are seven platforms on one basis](https://paymentreview.com/blog/merchant-of-record-fees-software-sellers/): Paddle, Lemon Squeezy, Polar, Dodo Payments, Gumroad, FastSpring and Xsolla sell your software as the legal seller and hand you the net.
- [Keying in a card costs about a point more at every processor. Visa's own rate table shows where the point goes](https://paymentreview.com/blog/keyed-card-transaction-fees-processors/): Square, Stripe, PayPal, Shopify, Clover, SumUp and QuickBooks all charge 3.4% to 3.5% to key a card in, against 2.3% to 2.7% to tap it.
- [Amex tripled its OptBlue ceiling in April. What accepting American Express actually costs a small business now](https://paymentreview.com/blog/amex-optblue-cost-small-business-2026/): Since 17 April 2026 a business can run up to $3 million a year of American Express through its ordinary processor, not $1 million.
- [What a chargeback costs at nine processors, and which ones give the fee back when you win](https://paymentreview.com/blog/chargeback-dispute-fees-by-processor/): A lost dispute costs you the sale. The fee on top is the processor's, and the rules for it are all different: Square charges nothing, Stripe now charges twice, PayPal has three tiers, and QuickBooks keeps its $25 even when you win.
- [Australia's card surcharges end on 1 October. What your terminal provider is doing, and what you pay instead](https://paymentreview.com/blog/australia-card-surcharge-ban-october-2026/): From 1 October 2026 eftpos, Mastercard and Visa will prohibit surcharging in Australia, and Amex, UnionPay and PayPal are following. The same day, the interchange cap on consumer credit falls from 0.8% to 0.3%.
- [Your processor can raise its fees at any time. Whether you can leave without paying depends on one clause](https://paymentreview.com/blog/processor-fee-increase-cancel-without-etf/): Global Payments and Shift4 clients are being billed new annual fees this autumn. We read five processors' own merchant agreements for what notice they owe you when fees go up, and whether you can walk away without an early-termination…
- [Instant payouts cost up to 1.95 percent. Priced as a loan, that is several hundred percent a year](https://paymentreview.com/blog/instant-payout-fees-processors/): Square, Toast, Clover, GoDaddy, Stripe and PayPal will move today's card sales to your bank in minutes for 1.5 to 1.95 percent of the amount. Standard funding at most of them is the next business day.
- [Taking card payments at a law firm: what the trust-account rules require, and which processors meet them](https://paymentreview.com/blog/law-firm-credit-card-payments-trust-account/): A retainer paid by card must reach the trust account in full, the fee must come out of the firm's own money, and no chargeback may touch another client's funds. Most general-purpose processors cannot promise any of that.
- [Capital One's debit cards left the Durbin cap when they moved to Discover. Here is what that costs you](https://paymentreview.com/blog/capital-one-discover-debit-fees/): Capital One finished moving its debit cards from Mastercard to the Discover network this year.
- [The loan your processor offers has no interest rate. Here is what the flat fee works out to](https://paymentreview.com/blog/processor-loans-fixed-fee-apr/): Square, PayPal, Stripe, Shopify and Toast all lend against your card sales on the same terms: one fixed fee, no interest, repaid as a slice of every day's takings. The fee is fixed. The time is not, and that is where the cost hides.
- [Buy now, pay later costs a merchant about twice what a card does. Only the processors will print the number](https://paymentreview.com/blog/bnpl-merchant-fees-2026/): Affirm, Afterpay, Klarna and Sezzle do not publish what they charge a merchant. Stripe, Square, PayPal and Shopify do, and as of September 2026 the answer clusters around 6% plus 30 cents.
- [A foreign card at a US business costs about 1.5 points more. Almost none of it is interchange](https://paymentreview.com/blog/foreign-card-fees-us-merchants/): When a card issued outside the United States is used at a US business, Visa and Mastercard each add roughly 1.45% in cross-border assessments on top of everything else.
- [Adding payments to your software: what a payfac, a payfac-as-a-service and a referral deal each actually pay](https://paymentreview.com/blog/embedded-payments-software-platforms/): Every vertical software company is told to monetise payments. There are three ways to do it, and they differ in who holds the merchant agreement, who eats the losses, and how much of the margin you keep. The published prices, side by side.
- [Tokenization stopped being a line item. Now it is a rate on every online sale](https://paymentreview.com/blog/visa-mastercard-tokenization-fees-2026/): In April 2026 Visa and Mastercard both stopped billing tokenization and card-updating services on use, and started charging for them as a rate on every card-not-present authorisation. Visa has already published the 2027 increase.
- [Both card networks now bill high-risk merchants by the transaction](https://paymentreview.com/blog/high-risk-merchant-registration-fees-2026/): Mastercard's specialty merchant fees began billing on 14 June 2026: $1,000 a year, $0.02 a transaction and 10 basis points on volume. Visa has charged the same shape of fee since 2023. What it adds up to, and which transactions are caught.
- [Visa's frictionless-checkout framework ends this month. The deadline that matters is 30 September](https://paymentreview.com/blog/visa-authentication-changes-2026/): Three Visa changes land between April and October 2026: the Digital Authentication Framework is being retired, passkeys are replacing it, and a token service switches on automatically at the end of October.
- [Your nonprofit has a discounted interchange rate. Whether you see it depends on your processor](https://paymentreview.com/blog/nonprofit-charity-interchange-rate/): Visa's own rate schedule gives charities 1.35% + $0.05 on consumer credit, card-present or online, on every card tier including premium rewards.
- [The terminal lease that outlives your processor, and the law that makes it stick](https://paymentreview.com/blog/terminal-lease-non-cancellable/): An equipment lease is a separate contract with a separate company, written as a finance lease so that it cannot be cancelled. Cancelling your merchant account does nothing to it.
- [Merchant of record, payfac or ISO: who actually holds your merchant agreement](https://paymentreview.com/blog/merchant-of-record-payfac-iso/): Three ways to accept a card, three different answers to the question of whose name is on the merchant agreement and whose name appears on your customer's statement.
- [Why your processor is holding your money, and what the contract actually says](https://paymentreview.com/blog/merchant-account-reserves-and-holds/): A funding delay, a risk hold and a reserve are three different things with three different cures.
- [The debanking rule is in force. It does not cover your merchant account](https://paymentreview.com/blog/debanking-rule-merchant-accounts-2026/): Federal regulators are now barred from using reputation risk against the banks they supervise, and credit unions followed in July.
- [Stablecoin acceptance in 2026: what it costs, and what you give up](https://paymentreview.com/blog/stablecoin-payments-merchants-2026/): Stablecoin acceptance now has published prices and a federal statute behind it. Here is what the rate actually buys, what disappears along with the chargeback, and the short list of merchants for whom the maths works today.
- [The 1099-K threshold everyone reported does not apply to your merchant account](https://paymentreview.com/blog/1099-k-merchants-2026/): Congress restored the $20,000 and 200-transaction threshold, and the coverage told small sellers they would stop getting a 1099-K.
- [Pay by bank in 2026: what it actually costs a merchant, and what you give up](https://paymentreview.com/blog/pay-by-bank-merchants-2026/): Pay by bank is sold as a way around interchange. It is three different products with three different price tags, and the Federal Reserve's own research warns against the savings claims.
- [Debit interchange in 2026: the federal cap survives because a judge stayed his own order](https://paymentreview.com/blog/debit-interchange-cap-2026/): A North Dakota court vacated Regulation II in August 2025 and then paused its own ruling. The Eighth Circuit heard argument in May 2026 and has not decided.
- [The MATCH list: how businesses end up on it, and what actually gets them off](https://paymentreview.com/blog/match-list-terminated-merchant-file/): A MATCH listing follows you for five years, names you personally as well as your company, and nobody is required to tell you it happened.
- [Illinois banned swipe fees on tax and tips. Here is why nothing has changed](https://paymentreview.com/blog/illinois-interchange-fee-law-tax-tips/): The Interchange Fee Prohibition Act was supposed to take effect on 1 July 2026. It is now permanently enjoined against most card issuers, preempted by two federal regulators, and delayed by statute to July 2027.
- [Subscription billing in 2026: click-to-cancel is gone, the card network rules are not](https://paymentreview.com/blog/subscription-billing-rules-2026/): The FTC's click-to-cancel rule was vacated before it ever took effect. That changed less than most subscription businesses think, because Visa, Mastercard and California already require most of the same things — and have for years.
- [ACH in 2026: every business that originates a payment now has to monitor it for fraud](https://paymentreview.com/blog/ach-fraud-monitoring-rules-2026/): Nacha's fraud-monitoring rule reached the rest of the ACH network on 22 June 2026.
- [Visa retired Level 2. What B2B merchants actually pay now](https://paymentreview.com/blog/visa-cedp-level-3-b2b-interchange/): Visa's general Level 2 interchange category no longer appears on its published rate schedule.
- [SAQ A is an eligibility test now, and most online merchants have not read it](https://paymentreview.com/blog/pci-saq-a-eligibility-ecommerce/): The shortest PCI questionnaire got shorter in January 2025, and harder at the same time.
- [How to read a merchant processing statement](https://paymentreview.com/blog/how-to-read-a-merchant-processing-statement/): Your statement is three costs stacked on top of each other: interchange set by the card networks, assessments and network fees the networks charge your acquirer, and your processor's markup. Only the third is negotiable.
- [Chargeback monitoring in 2026: Visa cut the merchant threshold, and the maths is not what you think](https://paymentreview.com/blog/chargeback-monitoring-programs-2026/): On 1 April 2026 Visa cut the excessive-merchant VAMP threshold from 220 to 150 basis points. The ratio counts issuer fraud reports as well as chargebacks, and only card-not-present sales. Here is how it is built, and what a breach costs.
- [The Visa and Mastercard swipe fee settlement: what actually changes for merchants](https://paymentreview.com/blog/visa-mastercard-swipe-fee-settlement-what-changes-for-merchants/): A federal judge gave preliminary approval to the revised Visa and Mastercard interchange settlement in June 2026. Here is what is in it, what is not, when any of it takes effect, and which merchants would actually see the savings.
- [Credit card surcharging in 2026: what the networks and the states actually allow](https://paymentreview.com/blog/credit-card-surcharge-rules-2026/): Surcharging is legal in most of the United States, but the rules come from three places at once: Visa, Mastercard and your state.
- [Best payment processors for e-commerce in 2026](https://paymentreview.com/blog/best-ecommerce-payment-processors/): Six processors for online stores, compared on published rates, chargeback fees and what happens when you scale — including the point at which the industry-standard 2.9% + $0.30 stops being a good deal.
- [Best payment processors for restaurants in 2026](https://paymentreview.com/blog/best-restaurant-payment-processors/): Six processors for restaurants, bars and cafes — compared on the card-present rate that decides your annual cost, the monthly software fee, and the early-termination clause that catches out more operators than anything else on this page.
- [Best high-risk merchant accounts in 2026](https://paymentreview.com/blog/best-high-risk-merchant-accounts/): Six providers that will underwrite a high-risk business, ranked by volume and situation — plus the five mainstream processors that will close your account once they notice what you sell.
- [Best CBD merchant accounts in 2026](https://paymentreview.com/blog/best-cbd-merchant-accounts/): Six providers that will actually board a hemp or CBD business for credit card processing, ranked by what you sell and how much of it — plus the five well-known processors that will close your account, so you don’t waste an application.
- [Best merchant accounts for firearms and FFL dealers in 2026](https://paymentreview.com/blog/best-firearms-merchant-accounts/): Five processors that will board an FFL, a gun store or an online ammunition retailer — with the card-present rates that actually matter at a counter, and the five mainstream processors that prohibit the category outright.
- [Choosing a Pawn Shop Merchant Account](https://paymentreview.com/blog/pawn-shops-and-high-risk-merchant-accounts/): Learn more about the payment processing and merchant account options for pawn shops like yours.
- [Choosing Food Truck Credit Card Processing](https://paymentreview.com/blog/choosing-the-perfect-payment-terminal-for-your-food-truck-a-complete-guide/): Having the right payment terminal can make the difference between smooth service and frustrated customers.
- [Data Privacy Regulations 2025](https://paymentreview.com/blog/how-upcoming-data-privacy-regulations-will-impact-payment-processors/): Learn how current and future data privacy regulations may affect payment processors and other businesses.
- [The Future of Payments: Navigating New Tech](https://paymentreview.com/blog/the-future-of-payments-navigating-amidst-technological-advancements-and-regulatory-shifts-2024/): Learn how to navigate recent technological advancements and future regulatory shifts and tech changes.
- [High Risk Merchant Accounts: A Comprehensive Guide](https://paymentreview.com/blog/high-risk-merchant-accounts-a-comprehensive-guide/): Learn more about high risk merchant accounts and which processor might be best for your business.
- [Fast-Track Payment Processing: A Guide to Instant Approval for High-Risk Merchants](https://paymentreview.com/blog/fast-track-payment-processing-a-guide-to-instant-approval/): Learn more about the companies that offer high risk merchant accounts with instant approval.
- [Finding the Ultimate Auction Merchant Account](https://paymentreview.com/blog/merchant-accounts-for-online-auctions-a-comprehensive-guide/): Whether your auctions are online or in-person these top payment processors are here to help.
- [The Ultimate Marketing Payment Processor](https://paymentreview.com/blog/the-ultimate-guide-to-merchant-accounts-for-digital-marketing-agencies/): Learn more about the top payment processors for marketers. Find one that's perfect for your business.
- [The Best Credit Card Processing for Business Consulting](https://paymentreview.com/blog/choosing-the-right-merchant-account-for-your-consulting-business-a-professional-guide/): Explore our comprehensive guide of the top payment processors for consulting businesses.
- [Best Credit Card Processing for Furniture Merchants](https://paymentreview.com/blog/merchant-accounts-for-furniture-stores-a-comprehensive-guide/): Check out our comprehensive guide of the top payment processing companies for furniture merchants.
- [The Best Pharmacy Payment Processing](https://paymentreview.com/blog/securing-the-digital-prescription-a-pharmacy-owner-s-guide-to-payment-processing-success/): Learn more about these top-notch payment processors services designed with pharmacies in mind.

## API

The same catalogue over HTTP, for agents that want data rather than pages.

- [OpenAPI document](https://paymentreview.com/openapi.json): the machine-readable contract for every endpoint
- [API documentation](https://paymentreview.com/docs/): base URL, authentication and examples
- [MCP server](https://api.paymentreview.com/mcp): search, match, compare and read the catalogue as tools

Base URL: https://api.paymentreview.com/v1
OpenAPI: https://paymentreview.com/openapi.json
Docs: https://paymentreview.com/docs/

The catalogue is public and needs no credentials. A key is only needed to read
your own records, and authenticates as your account:

    Authorization: users API-Key <key>

Keys are generated at https://app.paymentreview.com/connect/.

### Endpoints

- GET /reviews — List published reviews
- GET /reviews/{id} — Fetch one published review
- GET /edit-suggestions — List edit suggestions for your listings

Only published reviews are returned. Query parameters beyond those in the
OpenAPI document are unsupported and may change without notice.

## Optional

- [Contact](https://paymentreview.com/contact/)
- [Privacy policy](https://paymentreview.com/legal/privacy/)
- [Terms of use](https://paymentreview.com/legal/terms/)
- [Sitemap](https://paymentreview.com/sitemap.xml): every indexable URL with its editorial last-modified date