Payment Processor Reviews - Payment Review

PAY.JP

Payfac / Aggregator

B-

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

Online rate

3.3% on the free Standard plan

Payout

Month-end close, paid end of next month

Expert grade B-Read review →

InfinitePay

Platform / Acquirer

B+

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

Online rate

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

Payout

Next business day, instalments included

Expert grade B+Read review →

Atome

BNPL Network

B-

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

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

Expert grade B-Read review →

B-

Rede is the merchant acquiring business of Itaú Unibanco, Brazil's largest private bank. It started in 1996 as Redecard, Itaú took it private in 2012, and it has traded as Rede since 2013. The legal entity is Redecard Instituição de Pagamento S.A., authorised by the Banco Central do Brasil as a payment institution in the acquirer (credenciador) category. Rede signs the merchant agreement itself, so there is no reseller or sub-merchant layer between you and the acquirer. It rents out the orange "laranjinha" card terminals, and it also sells a payment-link tool, the e.Rede online API, the Maxipago gateway and prepayment of card receivables. It does not publish its card rates; its own FAQ says they are negotiated per business. It does publish terminal rental prices, which as of November 2026 run from R$19 to R$109 a month. Itaú Empresas account holders can have that rental waived once they bring enough sales volume to the bank. The contract has no fixed term, and either side can end it on 15 days' notice without penalty. Itaú reports that Rede was Brazil's largest acquirer by card volume in 2025. Rede holds Reclame Aqui's top RA1000 rating. It has settled two CADE competition cases, in 2014 and 2018.

Payout

Up to 32 days unless agreed (contract)

Expert grade B-Read review →

B-

Pesapal is a Nairobi payments company, founded in 2009, that lets businesses in East and Southern Africa accept Visa, Mastercard and American Express cards and mobile money such as M-Pesa. It sells online checkout (API, plugins, a hosted payments page, payment links and e-invoices), Sabi card terminals, the Rack point-of-sale and inventory system, a bulk payout tool called Openfloat, and merchant loans. The Central Bank of Kenya has licensed Pesapal Limited as a payment service provider since June 2021, and the company says it is also regulated in Uganda, Tanzania, Rwanda and Zambia. Its site also has Malawi and Zimbabwe pages. Each business signs a merchant agreement with Pesapal itself. Its takings sit in a trust account and are paid out to a local bank account when the business asks; Pesapal's help pages put that at 48 hours to 3 working days. The main weakness for a buyer is price: as of October 2026 Pesapal publishes no merchant rates. Its old pricing page is gone, and its own FAQ links to a pricing page that does not exist. KCB Group, Kenya's largest bank, has agreed to buy 22.23% of the company, subject to regulatory approval. Pesapal's Trustpilot profile is small and very negative, and most complaints are about withdrawals that are delayed or held.

Payout

On request; 1 to 3 business days

Expert grade B-Read review →

Openpay

Payfac / Aggregator

B-

Openpay is a Mexican online payments company founded in Querétaro in 2013 and part of the BBVA Group since 2017. BBVA signed the agreement to buy it on 23 December 2016 and announced the closing, at its Mexican bank BBVA Bancomer (now BBVA México), on 24 April 2017. It lets a business take cards, SPEI bank transfers and cash payments at more than 30,000 shops through its own Paynet network, from one checkout, payment link or API integration. Its prices are published. As of October 2026 domestic Visa, Mastercard and Carnet cards and American Express cost 2.9% + MX$2.50 + IVA. International Visa and Mastercard cards cost 4.10% + IVA, SPEI transfers MX$8.00 + IVA, and cash payments 2.9% + MX$2.50 + IVA. Interest-free instalments (meses sin intereses) add a surcharge of 4.8% to 13.8%, depending on the term. There is no monthly fee and no fixed contract term. Openpay works as an aggregator: it collects your sales into an Openpay balance and pays the balance out weekly, on the weekday you choose. Card sales become available to pay out one business day after the sale, and Amex and cash sales after three. The terms are firmly on Openpay's side. It can hold all or part of your balance for up to 540 days, makes you liable for chargebacks for 540 days, and charges 3% a month interest on unpaid chargeback debts. It can also refuse or close an account without giving a reason. BBVA also sells Openpay to its own customers as Zona de cobro, a separately priced product run through the BBVA app.

Online rate

2.9% + MX$2.50 + IVA (domestic cards)

Payout

Weekly, on a business day you choose

Expert grade B-Read review →

Network International

Platform / Acquirer

B-

Network International is a Dubai-based payments company. It acquires card payments for merchants in the UAE through its own N-Genius POS terminals, SoftPOS apps and the N-Genius Online gateway, and it processes cards for banks across the Middle East and Africa. The company was set up in 1994 as a subsidiary of the bank group now called Emirates NBD. It listed in London in 2019, was taken private by a Brookfield-led group on 17 September 2024, and merged with the UAE payments company Magnati on 1 October 2025. Network said then that the two brands would co-exist for the time being, and Network International is still sold under its own name as of October 2026. Merchant pricing is not published: you get a quote, and the merchant agreement adds fees on top of the per-transaction rate, such as terminal rent, a minimum-volume fee for months with card sales of AED 20,000 or less and a fee for daily statements. All fees are charged plus 5% VAT. The UAE merchant agreement (February 2025 version) is strict. It runs for 36 months, renews automatically for another 36 unless you give three months' notice, makes Network your exclusive provider, and charges a business that leaves early at least AED 25,000. Network can also hold settlement funds for up to 540 days after delivery or termination. The product range is broad and support runs 24/7 in the UAE. However, all 22 Trustpilot reviews are one-star, and they mostly describe hidden charges and held funds.

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

Expert grade B-Read review →

B-

HyperPay is a payment gateway headquartered in Riyadh, Saudi Arabia, that lets online businesses in Saudi Arabia and several other Arab markets accept cards, wallets and local payment methods through one integration. Its gateway supports mada, Visa, Mastercard, American Express, Apple Pay, STC Pay, UnionPay, Tabby, Tamara, SADAD and PayPal, according to its own site. The business began in Amman, Jordan, as Gate2Play, founded by Muhannad Ebwini, who still runs it; HyperPay says it has processed online payments since 2014. It is backed by investors including Mad'a Investment Company and Mastercard, which led its $36.7 million round in 2022. In January 2025 the Saudi Central Bank (SAMA) licensed its Saudi entity to provide payment services through an electronic wallet, and HyperPay says it holds Saudi Payments certification as an eMSP payment gateway for mada. HyperPay publishes no prices: its FAQ says pricing depends on your country of registration and sends you to its sales team. Its own payments page says it refers each merchant to a partner bank to open the merchant account, and its FAQ says settlement follows that merchant agreement with the acquiring bank. No merchant terms, settlement times or fee schedules are public, and there is very little independent merchant feedback to judge service by.

Pricing clarity: 2.0
Feature set: 4.0
Ease of use: 3.0

Expert grade B-Read review →

Culqi

Payfac / Aggregator

B-

Culqi is a Peruvian card-acceptance brand for small and mid-sized businesses, sold through POS terminals (CulqiFull), an online checkout (CulqiOnline) and payment links (CulqiLink). Credicorp's Grupo Crédito bought 91.36% of it in January 2019 and now owns all of it, and since 2026 Culqi presents itself as part of Banco de Crédito del Perú (BCP): its merchant contracts are now signed with BCP itself, acting as payment facilitator or acquirer. As of October 2026 the published list rates are 3.44% for Peruvian cards and digital wallets on the POS, 3.99% for foreign cards, and 3.44% + US$0.20 for Peruvian cards online. The pricing page says the commissions are not subject to IGV and vary with sales volume. There is no monthly fee, and online sign-up costs nothing; POS terminals are bought outright from S/85 to S/319 depending on model, tax ID type and bank. POS sales made before 4 p.m. are paid out the same evening at selected banks, with weekend and holiday payouts only into a BCP account, for a fee unless a promotion waives it. Online sales pay out in two business days. The contract has no fixed term and either side can end it on 15 days' notice, but it lets BCP hold unpaid funds for up to 90 business days during an investigation and change fees on seven days' notice; a separate BCP acquirer contract allows holds of up to 180 days. We found no regulatory action naming Culqi, and little independent review data.

Online rate

3.44% + US$0.20 (Peruvian cards)

Payout

POS same day; online 2 business days

Expert grade B-Read review →

Ziina

Payfac / Aggregator

B

Ziina is a Dubai payments app for UAE freelancers and small businesses, run by Ziina Payment LLC under licences from the Central Bank of the UAE (CBUAE). It started in 2020 as a consumer app for paying friends with a phone number. It now sells payment links, an online payment gateway with Shopify and WooCommerce plugins, QR and NFC acceptance, and Tap to Pay on iPhone and Android. Pricing is published, and as of October 2026 a business pays 2.6% + AED 1 on every payment it receives, whatever the method. International cards and non-AED currencies cost an extra 1.5%, and 5% VAT is added to the fee only. There is no monthly fee, setup fee or contract. Funds land in a Ziina wallet and are cashed out to a UAE bank account once a day, within two business days for amounts under AED 25,000, according to Ziina. Cash-outs are free until 31 October 2026 and cost AED 1 each from 1 November 2026. Ziina signs up each business directly under its own terms, so approval is fast. The trade-off is that those terms give it wide powers to hold settlement and close accounts. Ziina's own FAQ says it may hold funds for 45 to 120 days when it terminates an account, and in 2026 a run of Trustpilot reviews describes exactly that.

Online rate

2.6% + AED 1, plus 5% VAT on the fee

Payout

Up to 2 business days under AED 25,000

Expert grade BRead review →

Stancer

Platform / Acquirer

B-

Stancer is a French payment institution about 90% owned by iliad SA, the telecoms company behind Free. It is authorised by the ACPR as a payment institution, including for acquiring, and acquires card payments itself, so the merchant contract is with Stancer rather than a bank. It sells to French small businesses through a payment terminal, Tap to Pay on iPhone and Android, payment links and an online checkout API, and it also handles SEPA Direct Debit. Pricing is published and low. As of October 2026 (live pricing page and Pricing Conditions dated August 2024), French CB cards and Visa and Mastercard cards issued in the EEA cost 0.7% + €0.07 on Stancer's terminal, with no fixed fee under €7, and 0.7% + €0.15 for Tap to Pay, links and online payments. Visa and Mastercard cards issued outside the EEA cost 2.5% plus a fixed fee. All prices exclude tax. There is no setup fee, no monthly fee and no fixed term, and the terminal is free in a month with more than 150 transactions on it (the product page says 150 or more), or €15 a month otherwise. The trade-offs are real. Funds reach your bank within seven working days rather than the next day, and faster payout costs 2% of the amount. Stancer does not accept American Express, chargebacks cost €25 on Visa and Mastercard, and the contract makes you pledge a cash collateral that it can top up from your balance and keep for 13 months after you leave. Trustpilot reviews are split, with complaints about frozen funds and slow support.

Online rate

0.7% + €0.15 (EEA cards, ex. tax)

Payout

Within 7 working days

Expert grade B-Read review →

Paymentwall

Payfac / Aggregator

C+

Paymentwall is a San Francisco payments company, founded in 2010, that lets online businesses selling digital goods and services take cards and, by its own count, more than 150 local payment methods such as e-wallets, bank transfers, prepaid cards and cash options. Merchants contract with Paymentwall Inc., which collects payments through its own acquiring and payment-method partners and then pays out what is left after its revenue share and other deductions. As of October 2026 Paymentwall publishes no price list: the pricing page its terms still point to has returned a 404 since at least December 2025, so rates are quoted per account. The terms are restrictive for a small business. The agreement runs for one year and renews automatically. Payouts go out once a month, with a $100 minimum, and many payment methods pay Paymentwall on Net 30 terms or longer. A rolling reserve starts at 5% of gross sales and is released after six months, and Paymentwall can delay payment for up to six months after termination. Its terms send unresolved complaints to the UK Financial Ombudsman Service. The BBB rates Paymentwall A+ and it is BBB-accredited, while Trustpilot shows a 3.0 score, with many negative reviews from shoppers whose purchases or accounts were blocked pending identity checks.

Payout

Monthly, within 5 business days of the 1st

Expert grade C+Read review →

NOWPayments

Gateway / Orchestration

B-

NOWPayments is a cryptocurrency payment gateway launched in 2019 by the team behind the ChangeNOW crypto exchange. It lets a business take payments in more than 350 crypto assets through an API, invoices, payment links, plugins, donation widgets, subscriptions and a browser-based point of sale. Each payment can be forwarded to the merchant's own wallet or held in an optional custody balance, which a third-party provider runs. As of October 2026 its pricing page lists a 1% service fee on payments received and settled in the same coin and 1.5% when the payment is converted or taken at a fixed rate, plus blockchain network fees. Payouts and mass payouts carry no service fee, only network fees. There is no monthly fee, setup fee or contract. The operator is FD Transfers LLC, registered in St. Vincent and the Grenadines with a postal address in Tallinn, Estonia. Its Terms of Service, updated 19 October 2026, say (in section 15.1) that the services are not provided to residents or citizens of the United States, the United Kingdom, the European Union, the UAE or Russia, and that the company can close an account at any time without giving a reason. The US, UK and EU exclusion was already in the April 2026 terms; the UAE and Russia were added later in 2026. We found no regulator licence for NOWPayments itself. Trustpilot rates it 4.5 from 1,122 reviews, but 13% are one-star, and some of those describe blocked accounts and withheld funds.

Online rate

1% same-coin; 1.5% converted, + network fee

Payout

After on-chain confirmation, to your wallet

Expert grade B-Read review →

B-

HiPay is a French payment service provider based in Levallois-Perret, outside Paris, that handles online, in-store and marketplace payments for mid-size and large European merchants. Its operating company, HiPay SAS, has been an authorised payment institution under France's banking supervisor, the ACPR, since August 2011, and passports that licence across the EU. The parent, HiPay Group, was spun out of the French digital media company HiMedia in June 2015 and trades on Euronext Growth Paris (ticker ALHYP). It processed €9.55 billion in 2025 for revenue of €74.8 million, and has reported a profit for three years running, though it booked a €1.4 million net loss in the first half of 2026. HiPay publishes no prices: its pricing page sends you to a sales form, and every rate, fee, payout schedule and contract term is negotiated per merchant. What it sells is a single contract covering cards, a long list of European local payment methods such as Bancontact, Bizum, MB Way, Bancomat Pay and Wero, PAX payment terminals and Tap to Pay in store, its own fraud tool (HiPay Sentinel), and a marketplace product built on escrow accounts. Retail is its core, and regulated online gambling is a fast-growing segment. Its Trustpilot score of 1.8 is dragged down by consumers disputing charges from merchants that use HiPay, not by reviews from merchants.

Pricing clarity: 1.5
Feature set: 4.0
Ease of use: 3.0

Expert grade B-Read review →

CoinGate

Payfac / Aggregator

B-

CoinGate is a crypto payment gateway run from Vilnius, Lithuania, by UAB Decentralized. The company was registered in 2014 as UAB Virtualios Valiutos and began trading in 2015. Customers pay in crypto at checkout, and the merchant settles in euros, pounds, US dollars, a stablecoin or crypto. On 16 December 2025 the Bank of Lithuania authorised it as a crypto-asset service provider under the EU's MiCA regulation and licensed it as a payment institution. As of October 2026 the Standard plan charges 1% per payment with no monthly or setup fee. Crypto and SEPA withdrawals are free, with a 50 EUR minimum withdrawal, and SWIFT withdrawals cost 0.50% with a 50 EUR minimum fee. Automatic settlement runs weekly. Enterprise pricing is negotiated by volume. CoinGate's own pricing policy says the exchange rate on a payment includes a risk margin on top of the 1% fee, and it does not publish the size of that margin. Merchants must be based in a country on CoinGate's supported list, and that list does not include the United States. Trustpilot withholds CoinGate's rating for a breach of its guidelines and says it has removed fake reviews from the profile. Recent one-star reviews there describe payments held for compliance checks.

Online rate

1% per payment (Standard plan)

Payout

Weekly automatic settlement

Expert grade B-Read review →

Toss Payments

Payfac / Aggregator

B-

Toss Payments is the online payment gateway (PG) business of Viva Republica, the company behind South Korea's Toss finance app. It began as LG Uplus's electronic payments division, which Viva Republica agreed to buy in December 2019. LG Uplus spun the division off as a new company in August 2020, after postponing a planned 1 June split, and it launched as Toss Payments on 3 August 2020. It is headquartered in Gangnam, Seoul, and serves Korean online businesses. It also offers PayPal and overseas-card acceptance for selling abroad. As of October 2026 the published price is 3.4% on credit and debit cards for merchants on the general tier, 2.0% on bank transfers (minimum ₩200) and ₩400 per virtual-account payment, all plus 10% VAT. On top of that comes a ₩220,000 joining fee and a ₩110,000 annual fee. Smaller merchants that qualify under Korean law get preferential card rates applied automatically. Contracts run for two years and renew automatically for two more unless either side gives written notice a month before the end. In July 2026 Viva Republica filed a decision to absorb Toss Payments by merger, with a scheduled merger date of 30 November 2026, subject to regulatory approval. Toss Payments will then cease to exist as a separate company, and its contracts pass to Viva Republica, which said in the filing that it has no plans to change or discontinue the business. It has not said whether the Toss Payments name will continue. In September 2026 Toss Payments disclosed that 4,131 payment records from one merchant had been viewed without authorisation, and the Financial Supervisory Service opened an on-site inspection.

Online rate

3.4% cards + 10% VAT (general tier)

Payout

Within 5 days on average (vendor claim)

Expert grade B-Read review →

Przelewy24

Platform / Acquirer

B

Przelewy24 is a Polish online payment gateway run by PayPro S.A. of Poznań, a national payment institution supervised by Poland's financial regulator, the KNF. The Danish group Nets took control of PayPro in 2019, Nets merged into Italy's Nexi in 2021, and Nexi's June 2025 report lists PayPro as wholly owned. It gives a Polish online shop the payment methods Polish shoppers expect in one integration: BLIK, pay-by-link bank transfers, Visa and Mastercard cards, Google Pay and Apple Pay, plus instalments and buy-now-pay-later through partners. As of October 2026 the standard fee for BLIK, bank transfers and PLN card payments is 1.29% + PLN 0.30 per transaction, with VAT added where the law requires it. There is no monthly fee, refunds are free, and the PLN 59 activation fee is refunded once you complete 10 transactions in your first two months. Funds are available by the end of the next business day, and four PLN payouts a month to a Polish bank account are free. The contract has no fixed term and either side can end it on one month's notice. Pricing and terms are unusually well published. The weak points are payments outside Poland, which cost more and need foreign-currency accounts, broad rights to hold funds (up to 180 days on card transactions under review), a PLN 100 fee it can charge on each chargeback, and a Trustpilot score of 1.3 that is mostly payer complaints but includes merchants describing frozen funds and slow verification.

Online rate

1.29% + PLN 0.30 (BLIK, transfers, cards)

Payout

Next business day; auto at PLN 1,000

Expert grade BRead review →

Primer

Gateway / Orchestration

B-

Primer is a London payments orchestration company founded in 2020 by former Braintree staff Gabriel Le Roux and Paul Anthony. It does not process payments itself. A merchant connects its own accounts with processors such as Adyen, Stripe or Braintree, and Primer sits on top: one checkout and API, a card vault that is independent of any one processor, no-code workflows that decide where each payment goes, automatic fallback to a second processor when the first declines, 3D Secure, network tokens, and reporting and reconciliation across every provider. Newer add-ons include an AI assistant called Companion, a fee breakdown tool called Costs Overview, and Global Accounts for holding and converting currencies, which Primer provides through a partner. Primer publishes no prices. As of October 2026 there is no pricing page; fees are set in a signed order form, charged on billable events such as payments, settled transactions, 3DS checks or workflow actions, and topped up to a minimum commitment if usage falls short. The contract runs for a minimum term and then renews for a year at a time unless you give 30 days' notice. Primer raised a $100 million Series C in May 2026 and says it has raised $174 million in total. It is built for mid-size and enterprise merchants running more than one processor, not for small businesses looking for a first card account.

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

Expert grade B-Read review →

Vipps MobilePay

Platform / Acquirer

B

Vipps MobilePay is the bank-owned Nordic mobile wallet formed in November 2022 when Norway's Vipps and Denmark's MobilePay merged. It is the payment app most consumers in Norway and Denmark already carry, and a large one in Finland, so for a Nordic business it is less a choice of processor than a payment method customers expect to see. The merchant agreement is signed directly with Vipps MobilePay AS, a Norwegian e-money institution supervised by Finanstilsynet, with branches in Copenhagen and Helsinki. Prices are published per country and charged per transaction, with no monthly fee for the payment products. As of October 2026 online payments cost 2.99% + NOK 1 in Norway, 0.59% + DKK 1 in Denmark (rising to 0.89% + DKK 1 on 1 January 2027) and 2.49% + EUR 0.20 in Finland; in-person payments through a Vipps/MobilePay number or the mobile point-of-sale cost 1.75% in Norway and Finland and 0.99% in Denmark. The merchant terms exclude VAT unless stated. There is no fixed term: either side can end the agreement on two months' notice. Funds settle daily by default. The weaknesses are scope and reputation. It is a Nordic wallet, not a general card acquirer, it sold its multi-method Checkout product to Kustom in 2026, and consumer reviews on Trustpilot are poor. MobilePay will be renamed Vipps in Denmark, Finland and Greenland on 12 January 2027.

Online rate

NO 2.99%, DK 0.59%, FI 2.49% + fixed fee

Payout

Daily; next day DK/FI, two days NO

Expert grade BRead review →

Stone

Platform / Acquirer

B

Stone is the small and mid-size business brand of StoneCo, the Nasdaq-listed (STNE) Brazilian payments and banking group. The merchant agreement is with Stone Instituição de Pagamento S.A., which the Banco Central do Brasil authorises as a card acquirer (credenciadora) and e-money issuer. Stone sells card terminals (maquininhas), a tap-on-phone app called TapStone, payment links, e-commerce processing, a free business account (Conta PJ) and working-capital credit. As of October 2026 it publishes some rates: TapStone at 0.87% for debit and 1.90% for one-off credit (crédito à vista), and payment links at 2.99% for one-off credit. Terminal rates are personalised: the terminal page advertises debit from 0.74% and credit from 2.99%, and you get your own rates after an assessment. The contract has no fixed term and the merchant can end it on 30 days' notice without penalty. StoneCo's cheaper micro-merchant brand, Ton, is a sibling sold separately, with its own published plans.

Online rate

Payment link: 2.99% credit, 3.49% 2–18x

Expert grade BRead review →

Pine Labs

Payfac / Aggregator

B-

Pine Labs is an Indian merchant payments company based in Noida. It began in 1998, is best known for the card terminals found at Indian shop counters, and has listed on the NSE and BSE since 14 November 2025. It rents in-store terminals and UPI soundboxes, runs an online payment gateway called Pine Labs Online (formerly Plural), and offers debit and credit card EMIs at the till through partner banks and brands. Its other lines include payouts, cross-border card acceptance and prepaid gift cards. The Reserve Bank of India lists Pine Labs Limited as an authorised payment aggregator for online, physical and cross-border (inward and outward) payments. Pricing is the weak spot. As of October 2026 the online gateway shows only 0% MDR on UPI and asks you to contact sales for everything else. Terminals carry 'starting at' monthly prices from ₹75 to ₹450, but the page does not say whether GST is included. Online payments settle T+1 by default, with early-batch and same-day settlement available. The published online terms have no fixed term, but they let Pine Labs hold 30% of payouts for 15 days after either side gives notice to end the service, and 100% for up to 120 days after a breach. Merchant complaints describe rental charges that continued after a terminal was surrendered, charges merchants say were not disclosed at sign-up, and delayed settlements.

Online rate

0% MDR on UPI; cards priced per account

Payout

T+1 business day (online)

Expert grade B-Read review →

B-

Yuno is a payment orchestration platform for large merchants, banks and wallets. It started in Latin America and now sells worldwide. It does not process payments or hold funds itself. You sign your own contracts with payment processors, acquirers, wallets and fraud tools, enter their credentials in Yuno's dashboard, and Yuno routes each transaction between them through one API. It retries failed payments on another provider and stores card tokens in its own vault. Yuno says it connects to more than 1,000 payment methods and over 460 integrations in 190+ countries. Named customers include McDonald's, Rappi, NetEase Games, GoFundMe and inDrive. It raised a $45 million Series B in August 2026, led by Global PayTech Ventures with Andreessen Horowitz and Tiger Global taking part. Yuno publishes no prices. Its public merchant terms describe a fixed monthly platform fee plus per-transaction fees for successful payments, payouts, refunds and verifications, with extra fees for add-ons such as 3-D Secure, fraud checks and chargeback alerts. Contracts run for a fixed term set in an order form, renew automatically unless you give 60 days' notice, and leaving early means paying the remaining monthly fees for the term. There is almost no independent user feedback to check its claims against.

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

Expert grade B-Read review →

Paytm Payment Gateway

Payfac / Aggregator

B-

Paytm Payment Gateway is the online payments business of Paytm Payments Services Limited (PPSL), a wholly owned subsidiary of One 97 Communications, the listed company behind the Paytm brand. It lets Indian businesses take UPI, cards, net banking, EMI and wallet payments on a website or app, and settles in rupees to an Indian bank account, by default the next day. As of October 2026 the standard plan is 1.99% per transaction with 18% GST on top, no setup fee, and custom pricing for large businesses. PPSL is a Reserve Bank of India-authorised Payment Aggregator: it signs the merchant, pools customer funds in an escrow account and settles them, which makes it a payment facilitator rather than a bare gateway. That authorisation came late. The RBI turned down PPSL's first application in November 2022 and barred it from onboarding new online merchants. The bar was lifted with in-principle approval in August 2025, and the full certificate followed on 26 November 2025. Offline and cross-border authorisations were added on 17 December 2025. The RBI action that closed Paytm Payments Bank, which ended in the cancellation of its banking licence on 24 April 2026, concerned a separate group company and not PPSL. The product is broad and built for scale. The published merchant terms, however, list fees that are hard to reconcile with the one-line pricing page, and they favour Paytm on fee changes, withheld settlements and liability.

Online rate

1.99% + 18% GST (standard plan)

Payout

T+1 by default; terms allow T+2

Expert grade B-Read review →

eProcessing Network

Gateway / Orchestration

C+

eProcessing Network (ePN) is a payment gateway run by eProcessing Network, LLC in Houston, Texas, and has been online since at least 2000. It is not a processor and does not offer merchant accounts. You need a merchant account with an acquiring bank, and ePN connects your website, virtual terminal, POS software or mobile app to that account through processing platforms including Fiserv's First Data, TSYS, Global Payments, Elavon, Chase Paymentech, Worldpay and EPX. It also connects to several ACH, check and gift card providers. ePN sells only through resellers: ISOs, merchant service providers and their agents. It publishes no prices. Its own merchant service agreement has blanks for a monthly gateway fee and a per-transaction fee, so what you pay depends on the reseller. The product range is broad and practical for a small US merchant: an online terminal, hosted order and payment forms, a shopping cart, an Authorize.Net emulation mode (on some processor platforms), recurring billing, invoicing, customer storage, Level III data, QuickBooks sync, Windows POS software and a mobile app. Fraud filters are included with every gateway account. The tooling looks dated, and the company has posted no news since March 2023. Support was the weak point in July 2024. Hurricane Beryl and the CrowdStrike outage hit together, and BBB complaints from that month describe unanswered calls and batches that did not settle, and two later complaints describe billing that continued after merchants asked to cancel.

Payout

Set by your acquirer; often 48–72 hours

Expert grade C+Read review →

Trust Payments

Platform / Acquirer

B-

Trust Payments is a UK payments group that both runs a payment gateway and acquires card payments itself. It grew out of Secure Trading, an online card-payments firm that was operating by 1998. In May 2019 an investor group coordinated by CORDET Capital Partners bought the Secure Trading companies and moved them under a new holding company, and the brand became Trust Payments in 2020. Its acquiring licence sits with Trust Payments (Malta) Limited, which the Malta Financial Services Authority has authorised since June 2012, including for acquiring card transactions, and which the company says is a principal member of Visa and Mastercard. In the UK, TrustUK Payments Ltd is an FCA-authorised payment institution (firm reference 932557). It sells online payments, card terminals, Tap to Pay on Android and iPhone, card payouts, retail software through its Trust Retail arm, and revenue-based financing through YouLend. It openly courts higher-risk sectors such as gaming, crypto, forex and medical cannabis. As of October 2026 it publishes no processing rates or monthly fees: every account is priced in a quote, and a merchant can be asked for a rolling or fixed reserve, sized by risk, with funds held for at least 120 days from when they are added. Trustpilot reviews are mostly positive, with a minority of one-star reviews about reversed payments, chargeback losses and slow email support.

Payout

Next-day settlement advertised for POS

Expert grade B-Read review →

MultiSafepay

Platform / Acquirer

B-

MultiSafepay is an Amsterdam payment service provider for European small and mid-size businesses. It is licensed by De Nederlandsche Bank (DNB) as a payment institution, is authorised to acquire payment transactions, and says it acts as acquirer and processor for Visa, Mastercard and Bancontact. Merchants sign directly with MultiSafepay B.V. One contract covers online payments, in-person terminals and about 40 payment methods, including iDEAL | Wero, Bancontact, cards, Apple Pay, Google Pay, PayPal, Klarna, in3 and Riverty. It does not publish rates. As of October 2026 its pricing pages for the Netherlands, Belgium, Spain and Italy all ask you to request a quote. They say you pay per successful transaction with no set setup or monthly fee. Payouts reach Dutch and Belgian bank accounts in one business day by default, and other countries in three to five. The company dates its business to 1999, when founder Olaf Geurs set up MultiPay, although its own timeline gives 2005 as the year MultiSafepay was founded. It has been a wholly-owned subsidiary of Ant International, the owner of Antom, since 1 July 2024. The general terms run for an indefinite period, and you can end them at any time. However, they let MultiSafepay set up a security deposit whenever it chooses and keep it for up to 12 months after you leave. In 2016 DNB fined MultiSafepay EUR 50,000 over its compliance function. DNB also placed a curator at the firm from November 2016 to June 2017.

Payout

1 business day NL/BE; 3–5 elsewhere

Expert grade B-Read review →

Fat Zebra

Payfac / Aggregator

B-

Fat Zebra is a Sydney online payments company that sells two things: a payment gateway you can plug into your existing bank merchant facility, and an all-in-one service where Fat Zebra provides the acquiring itself. For the second, it is a registered payment facilitator for Visa and Mastercard through Checkout.com Australia and NAB, a third-party processor for Fiserv's Australian acquiring business, and the acquirer of record for eftpos Direct and UnionPay transactions. It started in 2012 and is led by founder and CEO Pred Dragila. Five V Capital took a significant minority stake in February 2024, and Fat Zebra calls itself Australian-owned and independent. It has since bought Adatree, Pin Payments and SecurePay. As of October 2026 the gateway-only plan is listed from $250 a month plus $0.30 per transaction, with a $27.50 chargeback fee and other add-ons published. All-in-one processing rates are quoted per business, and the pricing page warns that minimum monthly fees may apply. From 1 October 2026, when card surcharging ended in Australia, Fat Zebra switched surcharging off for every card type it processes, Amex included. Customers named on its site include PayPal, Zip, MYOB, Sportsbet, RACQ and Aussie Broadband. Independent merchant reviews are almost nonexistent, Fat Zebra does not appear on ASIC's register of financial services licensees, and we found no lawsuit or regulatory action naming the company.

Pricing clarity: 3.0
Feature set: 4.0
Ease of use: 3.5

Expert grade B-Read review →

Zeffy

Payfac / Aggregator

B

Zeffy (called Simplyk until April 2022) is a Montreal-based fundraising platform for nonprofits. It runs donation forms, event ticketing, raffles, auctions, memberships, online stores, a donor CRM and a Tap to Pay phone app. It charges the nonprofit nothing: no platform fee, no card fee and no subscription, and the organisation receives 100% of each gift. Zeffy pays the card processing costs itself and earns its money from an optional contribution, or tip, that donors are asked to add at checkout. That tip is pre-selected. In our October 2026 test on a live US form, a $50 gift came with a 17% ($8.50) contribution already chosen, and a $500 gift with 11% ($54.95). Donors can lower it or set it to zero through an 'Other' option, but the nonprofit cannot change the suggested amounts. Payments run on Stripe: each organisation gets its own Stripe connected account under Zeffy's platform. Payouts go out weekly on Mondays by default. Zeffy is open only to nonprofits and eligible public-benefit organisations, and this review covers its US (USD) and Canadian (CAD) offer. Donor reviews are strongly positive, but the most persistent complaint is donors who did not notice the pre-selected tip.

Online rate

0% to the nonprofit; donors may tip Zeffy

Payout

Weekly (Mondays) by default

Expert grade BRead review →

B-

PayTabs is a Riyadh-based payments company founded in Saudi Arabia in 2014 by Abdulaziz Al Jouf. It sells a payment gateway to online merchants across the Gulf and North Africa, a payment orchestration and switching platform to banks and large enterprises, and the Paymes Super App for small Saudi businesses. We review it from the point of view of a merchant in Saudi Arabia, where PayTabs publishes the most. There, PayTabs is a technology layer rather than your acquirer: its gateway terms say you sign a separate processing and settlement agreement with a partner bank or payment service provider, which sets your card rates, handles chargebacks and pays you out. PayTabs charges on top of that. As of October 2026 its Saudi gateway agreement lists a one-time SAR 999 setup fee, SAR 199 a month and SAR 1 per transaction, before VAT. The Paymes app is priced separately at SAR 49 a month, with mada cards at 1% and credit cards at 2.25% + SAR 1, which PayTabs labels a testing-phase price. Outside Saudi Arabia the only published prices we found are per-transaction plans on its Egypt page; other markets are quoted by sales. The contract has no fixed term, and either side can end it on 60 days' notice, but fees already paid, including the setup fee, are not refunded. Trustpilot rates it 2.6 out of 5, and recent reviews describe slow payouts, frozen funds and support that is hard to reach.

Online rate

Paymes (KSA): mada 1%; cards 2.25% + SAR 1

Expert grade B-Read review →

Midtrans

Payfac / Aggregator

B-

Midtrans is an Indonesian online payment gateway run by PT Midtrans from Jakarta. It launched in 2012 as Veritrans Indonesia, a joint venture with Japanese partners, renamed itself Midtrans in 2016 and was bought by Gojek in December 2017. Gojek merged with Tokopedia in 2021 to form GoTo, and Midtrans now sits in GoTo Financial alongside GoPay. It lets a business with an Indonesian legal presence take rupiah payments online by card, bank virtual account, GoPay and other e-wallets, QRIS, convenience-store cash and pay-later, through a hosted checkout, an API, plugins or payment links. Pricing is published per method with no setup or monthly fee. As of October 2026, cards cost 2.9% + IDR 2,000, virtual accounts IDR 4,000 and QRIS 0.7%. Most fees are quoted before Indonesian VAT (PPN), which is deducted on top. QRIS, GoPay and ShopeePay are the exceptions. On its standard aggregator model Midtrans signs the merchant, collects the funds and pays them out. Its help centre says money can be withdrawn three business days after a payment settles. The merchant terms are accepted during sign-up and are not published on midtrans.com; an undated copy we found describes a one-year, automatically renewing agreement and lets Midtrans hold payouts when it suspects fraud. Public reviews are thin, and the complaints we found describe withdrawals blocked while an account was under review.

Online rate

Cards 2.9% + IDR 2,000; VA IDR 4,000

Payout

3 business days after settlement

Expert grade B-Read review →

B-

Zenoti is cloud software for salons, spas, medspas, barbershops and gyms, covering booking, point of sale, memberships, marketing, payroll and a growing set of AI agents. It was founded in 2010 in Hyderabad, India, as ManageMySpa and is now based in Bellevue, Washington. Card payments run through Zenoti Payments, which Zenoti integrates on top of Adyen or Stripe. In the US and Canada, Zenoti's help centre lists Zenoti Payments as the only supported payment gateway. As of October 2026, Zenoti publishes no software prices and no processing rates: both are quoted, and the processing rate is agreed when you register. US payouts arrive one or two business days after the sale, and the faster schedule adds 0.03% to your rate. The contract term is whatever your order form says, and it then renews for a year at a time unless either side gives 60 days' notice. Zenoti can raise fees by up to 20% at renewal, or at any time on 60 days' notice. Software reviewers rate it well, at 4.4 from 1,291 reviews on Capterra and 4.4 on Trustpilot. However, the BBB gives it an F and lists nine complaints in three years, several about sales promises, onboarding and refunds.

Payout

1–2 business days (US)

Expert grade B-Read review →

Tyl by NatWest

Platform / Acquirer

B-

Tyl by NatWest is the card-acceptance service of National Westminster Bank plc, sold to UK small businesses since 2019. 'Tyl by NatWest' is a trading name of the bank itself, so NatWest is the acquirer and holds the merchant agreement. As of October 2026, businesses taking up to £50,000 a year in card payments pay 1.39% + 5p on UK and European personal cards and 1.99% + 5p on every other card, including business and international cards. Businesses above £50,000 get a custom quote built on five rate bands. Card machines rent for £13.99 to £19.99 a month plus VAT on a 12-month contract. Tap to Pay on iPhone and Android has no rental fee, and the online payments package costs £14.95 a month plus VAT on a one-month rolling plan. Money is settled the next business day into any UK bank account, and you do not need to bank with NatWest. The weak points are what Tyl does not publish: Amex rates, the chargeback handling fee, the PCI SafePay fee and the early termination fee all sit in quotes or in terms that are visible only after you sign up. Trustpilot reviewers rate Tyl highly overall, but a steady minority complain about support, held funds and contracts that renewed automatically.

Online rate

1.39% + 5p UK/EU personal cards

Payout

Next business day

Expert grade B-Read review →

2C2P

Payfac / Aggregator

B-

2C2P is a Southeast Asian payments company, founded in Bangkok in 2003 by Aung Kyaw Moe and now headquartered in Singapore. Since April 2022 it has been majority-owned by Ant International (then Ant Group's international business), and since October 2025 it has traded as "2C2P by Antom". It still signs and onboards merchants under its own name. Merchants contract with a local 2C2P company in Singapore, Thailand, Malaysia, the Philippines or Hong Kong. In Indonesia the published agreement is with PT Dompet Elektronik Indonesia, and in Vietnam the licensed provider is partner M-Pay. 2C2P collects payments on their behalf through its partner acquiring banks and payment channels, deducts its fee and remits the rest. As of October 2026 it says it supports more than 400 payment methods, including cards, wallets, QR, bank transfers, instalments and cash at over 600,000 over-the-counter points, along with payouts, card and wallet issuing, and an airline payment orchestration product. It holds a Major Payment Institution licence from the Monetary Authority of Singapore, and its Thai companies hold Bank of Thailand payment licences. Pricing is quoted per account, and settlement timing is set in each merchant's signed proposal. Its published Merchant Service Agreement runs for a year, renews automatically, needs 90 days' written notice to end, and lets 2C2P withhold funds for up to 180 days after the last transaction. It suits mid-size and large businesses selling across several Southeast Asian markets. Small single-country sellers will find onboarding heavier than self-serve alternatives.

Payout

Visa/MC T+1 to T+3, per signed proposal

Expert grade B-Read review →

Lloyds Bank Cardnet

Platform / Acquirer

B-

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

Payout

Usually next day; contract default 5 days

Expert grade B-Read review →

Usio

Payfac / Aggregator

B-

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

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

Expert grade B-Read review →

B-

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

Payout

Generally next business day

Expert grade B-Read review →

Pushpay

ISO

B-

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

Online rate

2.1–2.9% + $0.20–$0.30 cards (by volume)

Payout

Cards 2 business days; ACH about 4

Expert grade B-Read review →

Tithe.ly

Payfac / Aggregator

B

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

Online rate

2.9% + $0.30 cards; 1% + $0.30 ACH

Payout

Weekly (Wednesdays) by default

Expert grade BRead review →

Scalapay

BNPL Network

B

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

Online rate

Up to 10% + €1.00 per order (published cap)

Payout

About 5-7 business days (sources differ)

Expert grade BRead review →

iyzico

Payfac / Aggregator

B-

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

Online rate

4.29% + TRY 0.25 (incl. BSMV, Sep 2026)

Payout

Weekly, the Wednesday after the sales week

★ 2 trustpilotRead review →

B-

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

Payout

Weekly, every working Monday

Expert grade B-Read review →

PayU (India)

Payfac / Aggregator

B-

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

Online rate

2% + GST (Visa/MC, net banking, wallets)

Payout

T+2 (domestic and international)

Expert grade B-Read review →

Wisetack

BNPL Network

B+

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 plan. It is not the lender. The loans come from its bank partners, which its lending-partners page listed in September 2026 as Hatch Bank, U.S. Bank and Happen Bank, the new name since June 2026 of LendingClub Bank. Wisetack runs the application, the offers and the merchant relationship, and the business signs Wisetack's merchant agreement. For home-services businesses the merchant cost is published and simple: a flat 3.9% of the financed amount, with no setup or subscription fee, unless the business opts into extended 0% APR plans, which cost 4.9%, 6.9% or 9.9% when a customer picks one of those offers. Customers see offers from 0% to 35.9% APR on terms of 3 to 120 months, on jobs from $500 to $65,000 in home services and up to $15,000 in auto, dental, medical and veterinary. The business is paid by ACH once the customer confirms the work is done, landing in 1 to 3 business days. Wisetack is built into Housecall Pro, Jobber and, by its own count, more than 30 other field-service platforms. Consumer ratings are split: 4.8 out of 5 from 936 Trustpilot reviews on a profile where Wisetack invites customers to review, against 1.23 out of 5 from 31 BBB reviews and 25 BBB complaints in three years.

Online rate

3.9% of the financed amount

Payout

1–3 business days after customer sign-off

★ 4.8 trustpilotRead review →

B-

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 to payment gateway products in 2016. It now operates in Indonesia, the Philippines, Malaysia, Thailand, Vietnam, Singapore and Hong Kong, and publishes a Mexican rate card as well. A merchant signs Xendit's own services agreement and is paid out of a Xendit balance, under licences held by group companies in each market — a Bank Indonesia payment gateway licence, a Bangko Sentral ng Pilipinas operator-of-payment-system registration, a Bank Negara Malaysia merchant-acquiring licence through Payex, a Bank of Thailand payment service provider licence, and others. Xendit publishes one regional rate card with every method's price, which is its real strength: as of September 2026, domestic cards are 2.9% + IDR 2,000 in Indonesia, 3.5% in the Philippines, 1.9% to 2.0% in Malaysia and 3.2% + THB 10 in Thailand, QRIS is 0.7%, and Indonesian virtual accounts are a flat IDR 9,000. The catch is a pricing overhaul. From 1 October 2026 Xendit adds a fixed processing fee to every transaction attempt — IDR 4,000, PHP 11, MYR 0.90 or THB 7, including failed attempts and refunds — plus a US$25 card chargeback fee, a US$50 monthly minimum for low-volume and dormant accounts and a US$250 monthly charge for merchants still on its legacy API. On small tickets the fixed fee can exceed the percentage. Card settlement is five business days in Indonesia, the Philippines, Malaysia, Thailand and Vietnam. Xendit says it serves more than 15,200 businesses; its most recent widely reported round was a US$300 million Series D in May 2022, at an undisclosed valuation.

Payout

Cards T+5 business days; most wallets T+2

Expert grade B-Read review →

Qualpay

ISO

B-

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 text-to-pay, ACH and in-person terminals, with one set of reports running from authorisation to deposit. It was incorporated in October 2013, launched its platform in 2014 and was founded by payments-industry veterans, and its leadership team comes largely from BA Merchant Services and Merchant e-Solutions; Craig Gass has been chief executive since at least 2015. It is a registered ISO of its sponsor bank, which is now Pinnacle Bank, a Tennessee bank, doing business as Synovus Bank: Synovus took a 60% stake and three of five board seats on 1 June 2023, Synovus combined with Pinnacle Financial Partners on 1 January 2026, and Synovus Bank merged into Pinnacle Bank the next day; Pinnacle's filings still list the 60% holding as of March 2026. The merchant agreement is signed by Qualpay, the bank and the merchant, and runs for three years with an early-termination fee equal to your average monthly Qualpay fees multiplied by the months left, with a $150 minimum. Qualpay publishes no rates at all as of September 2026; pricing is quoted after a free statement audit it calls the Savings Challenge. Qualpay says card payments take two to three days to fund. In recent years Qualpay has concentrated on propane and heating-oil dealers, waste haulers, utilities, nonprofits and B2B sellers, and it says its energy-sector volume passed $1 billion in the first quarter of 2025. The main blemish on its record is a 2020 Federal Trade Commission settlement over payment processing for the MOBE business-coaching scheme, which permanently bars it from processing for business-coaching and money-making-method sellers, permanently requires it to screen and monitor its riskier card-not-present clients, and imposes 15 years of compliance reporting and recordkeeping.

Payout

2–3 business days for card batches

Expert grade B-Read review →

EBANX

Payfac / Aggregator

B-

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 reais through local methods such as boleto and, later, Pix. It now says it covers more than 20 emerging markets across Latin America, Africa and Asia with more than 200 payment methods, serves more than 500 merchants — Spotify, Uber, AliExpress, Microsoft and Booking.com among the names on its site — and grew total payment volume 48% in 2025, with 65% of gross profit earned outside Brazil. It became a unicorn after a 2019 round from FTV Capital and Endeavor Catalyst, took a $400 million investment from Advent International in June 2021, plus a $30 million commitment to a planned US listing, and postponed that IPO in February 2022; it remains private. The model is an aggregator's: a foreign merchant signs a single agreement with EBANX's Singapore entity, EBANX group companies collect from shoppers locally, handle the currency exchange and taxes such as Brazil's IOF, and wire the net proceeds abroad in US dollars or euros — no local entity needed. Pricing is negotiated and unpublished. The published standard terms are merchant-unfriendly by default: a three-year term, an 80% exclusivity commitment, a fixed 4% reserve on every settlement for the first 180 days, funds available seven days after payment, and a $15 chargeback fee. On the shopper side, EBANX's Reclame Aqui page is rated 'Not recommended', with 2,683 complaints between March and August 2026 and none answered there. In 2020 it settled a Brazilian central bank case over a discontinued consumer foreign-currency account by paying R$880,000 under a commitment term.

Payout

Available 7 days after payment

Expert grade B-Read review →

Paystack

Payfac / Aggregator

B

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 widely reported at over $200 million. Its own help desk says the service is available to businesses registered in Nigeria, Ghana, South Africa and Kenya, with Côte d'Ivoire — which has a published rate card — described as a private beta alongside Egypt. Paystack's site says more than 200,000 businesses use it; its chief executive put the figure at 300,000 in January 2026. A merchant signs up with Paystack rather than applying for a merchant account of their own, which is the reason onboarding is quick and the reason Paystack, not an acquiring bank, decides when to hold funds. Pricing is published in full for every market, which is unusual in this segment: Nigeria is 1.5% + ₦100 on local transactions with the ₦100 waived under ₦2,500 and the whole fee capped at ₦2,000, 3.9% + ₦100 on international cards; South Africa is 2.9% + R1 excluding VAT locally and 3.1% + R1 internationally; Ghana is a flat 1.95%; Kenya is 1.5% on M-PESA and 2.9% on local cards; Côte d'Ivoire is 1.95% on mobile money and 3.2% on local cards. Settlement is next working day in Nigeria and Ghana and two working days in South Africa, with no setup or monthly charge. In January 2026 the business reorganised under a holding company, The Stack Group, whose founding shareholders are Stripe, Paystack's employees and Akinlade, alongside the Zap transfer app and a microfinance bank. The reservations are the ones that come with any aggregator: the Central Bank of Nigeria fined Paystack ₦250 million in April 2025 over Zap operating outside its licence, and the public review record is dominated by accounts of balances held during compliance review.

Payout

Next working day in Nigeria, Ghana and Côte d'Ivoire; two working days in South Africa

Expert grade BRead review →

Mindbody

POS & Business Software

C+

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. Payment processing is sold as Mindbody Payments, built on Stripe Connect, and takes cards, ACH, Apple Pay, Google Pay, Klarna and Tap to Pay in more than forty countries. The pricing picture is unusually lopsided: Mindbody's own support documentation publishes card-present and card-not-present rates for around twenty regions — Canada at 2.89% + $0.25 CAD online and 2.39% + $0.10 CAD in person, the UK at 2.19% + 20p and 1.99% + 10p, most of the EU at 2.4% + €0.25 — and for the United States and Australia prints an email address instead. Software runs from $79 a month per location on the Starter plan, with the Accelerate and Ultimate tiers quoted rather than listed. Bookings that come through the consumer Mindbody app via its marketing tools are charged 3.5% plus a 20% marketplace fee, capped at $30 and applied only to a new client's first purchase. The terms of service, updated 20 March 2026, make early exit expensive: fees are non-refundable, thirty days' notice is required, and a customer who leaves before the end of a subscription term remains liable for the rest of it. The corporate context changed twice recently — the brands were gathered under a parent called Playlist in June 2025, and that business completed a merger with the German connected-fitness company EGYM in March 2026 at a combined valuation of $7.5 billion.

Payout

US cards 1–2 business days; ACH 2–5; first payout takes at least 7

Expert grade C+Read review →

Mangopay

Payfac / Aggregator

B-

Mangopay is payment infrastructure for marketplaces and platforms rather than a processor a shop signs up with. It launched in 2013 as a spin-off of the French group-gifting site Leetchi, was bought by Crédit Mutuel Arkéa in 2015, and has been majority-owned by Advent International since April 2022, which put €75 million of new capital in at the same time; Sergi Herrero, previously global director for payments and commerce partnerships at Meta, has been chief executive since September 2024. Mangopay S.A. is registered in Luxembourg and licensed by the CSSF as an electronic money institution, which is the core of the product: it can open an e-wallet for every buyer and seller on a platform, hold funds there, split a payment between several parties, and pay out later — the money movement a marketplace legally cannot do itself without a licence of its own. Its UK arm, Mangopay U.K. Limited, has been an FCA-authorised electronic money institution since 2023, under firm reference 984753. The company says it has created 207 million wallets and processed €68 billion in transactions, and its named clients are the big European marketplaces: Vinted, Wallapop, Chrono24, Rakuten France, ManoMano, Malt, Mirakl. It bought the Polish anti-fraud firm Nethone in November 2022 and the Dublin payment orchestrator WhenThen in March 2023, and now sells fraud screening, identity verification, FX across twenty-plus wallet currencies, payouts in thirty-plus countries and virtual IBANs alongside the core wallet. What it does not do is publish prices: pricing is custom and volume-based, quoted per platform, with no self-serve tier and no public rate card.

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

Expert grade B-Read review →

Venmo (Business Profiles)

Payfac / Aggregator

B-

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 phone — and it is the only Venmo product that a merchant signs up for directly rather than through PayPal or Braintree. Venmo was founded in New York in 2009 by Andrew Kortina and Iqram Magdon-Ismail, bought by Braintree in 2012 and by PayPal with Braintree in 2013; it is operated by PayPal, Inc., which holds money-transmitter licences in every US state and is not a bank, and business profiles were opened to all sellers in February 2021. On PayPal's fee page as of September 2026 a business profile pays 1.9% + $0.10 on every payment of $1 or more it receives from another Venmo account, and 2.29% + $0.09 on a contactless card or wallet accepted with Tap to Pay, which is available on iPhone and Android in the United States only. There are no monthly, setup or chargeback fees, receiving is unlimited, and money moves to a bank for free in one to three business days or in minutes for 1.75% (minimum $0.25, maximum $25). The customer pays nothing extra, even when funding with a credit card, and buyers get Venmo's Purchase Protection on business-profile payments. What it is not is a merchant account: there is no interchange-plus, no invoicing, no card-on-file, no integrations, no seller protection beyond documented shipped-goods claims, one login per profile, management only in the app — and an operator whose 1.1 TrustScore from 1,268 reviews and 4,581 BBB complaints in three years are dominated by frozen accounts and held balances.

Pricing clarity: 4.5
Feature set: 2.5
Ease of use: 4.0

Expert grade B-Read review →

Jobber

POS & Business Software

B+

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 Payments. The company, legally Octopusapp Inc., was founded in Edmonton, Alberta in 2011 by Sam Pillar and Forrest Zeisler and is still run by them; it raised US$100 million from General Atlantic in February 2023 and says more than 400,000 service professionals use the product. Jobber does not hold a merchant agreement itself: Jobber Payments is processed by Stripe, Inc. under Stripe's connected-account terms, which is what makes the rate card flat and the onboarding fast. As of September 2026 the published rates are the same on every plan — 2.9% + 30¢ for cards paid online through the client hub, 2.7% + 30¢ for Tap to Pay in the field, 1% for US bank payments (ACH), and an extra 1% for an instant payout — with a chargeback fee (amount unpublished) that is refunded if you win and no monthly processing charge beyond the software subscription, which runs from $49 a month (Core, one user, no commitment) to $199 a month (Grow) at list. Payouts run on a rolling two-business-day window after a five-day authorization period on the first payment; ACH takes about four business days. The processing is available in the US, Canada and the UK; ACH, the card reader and the Jobber Money account are US-only. The trade-off is the software: its subscription is the real cost, it auto-renews, and prepaid annual fees are non-refundable, which is the substance of most of the complaints on record.

Payout

Two business days rolling; first payout after a 5-business-day authorization

Expert grade B+Read review →

Housecall Pro

POS & Business Software

B-

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. Codefied Inc., which trades as Housecall Pro, was founded in San Diego in 2013 by a team including Ian Heidt and Roland Ligtenberg, took $125 million from Permira Growth Opportunities and Vista Credit Partners in June 2022, has since moved its headquarters to Denver, and says more than 200,000 home-service professionals use the product. The processing is Stripe's: the terms of service bind every customer to Stripe's Services and Connected Account agreements, and Stripe applies the $25 dispute fee. The rates, published in the help centre as of September 2026, are percentage-only with no per-transaction cents — 2.59% for cards dipped, tapped or swiped in the field (Tap to Pay adds $5 per active device a month), 2.99% for cards paid online against an invoice, 3.49% for keyed, card-on-file and scanned cards and for American Express and business cards, 1% for ACH, 2.99% for PayPal and Venmo, and 4.99% for PayPal Pay Later and Klarna — with mobile check deposit free. Standard payouts take two business days, with up to seven for the first and Instapay in about 30 minutes for 1%. The software runs $79 a month (Basic, one user) to $329 a month (MAX, eight users) billed monthly, or $59 to $299 billed annually, with no long-term contract. The record is the problem: a 2.4 TrustScore from 638 reviews, 76 BBB complaints in three years and a steady stream of reports about held funds, surprise price increases and cancellations that require a phone call.

Payout

Two business days for cards; up to 7 for the first payout

Expert grade B-Read review →

Vagaro

POS & Business Software

B

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. Card processing is built in through Vagaro Merchant Services, a registered ISO of PNC Bank, N.A., and priced on two published plans: small merchants under $4,000 a month pay 2.6% + $0.10 for swiped, dipped and tapped cards with no monthly fee, and large merchants above that pay 2.29% + $0.19 for $10 a month. Every keyed, online, card-on-file and membership charge is 3.5% + $0.19 on either plan, card-brand FANF and Mastercard location fees pass through, buy-now-pay-later through Affirm costs 6% + $0.30, and surcharging is not allowed. Deposits arrive the next business day after a batch, with same-day and instant payouts at 1.75%. The software is $30 a month for one calendar (currently $23.99 for the first six months) plus $10 a calendar up to seven, month to month with no cancellation fee, and the US marketplace listing is free — Vagaro only takes a 20% cut when you opt into its Fill My Books promotions. The rate card is clear and competitive in person; the weak spots are the keyed rate, a BBB review score of 1.09 out of 5 with recurring complaints of duplicate charges and hardware warranty disputes, and the lack of any way to pass fees on to clients.

Payout

Next business day after the batch; weekend sales on Monday

Expert grade BRead review →

FreshBooks Payments

Payfac / Aggregator

B-

FreshBooks Payments is the built-in way to get paid on a FreshBooks invoice. FreshBooks, the Toronto accounting software company founded in 2003 by Mike McDerment, rebuilt the product on Stripe Connect in 2024, retiring the WePay-powered version in the process, and now runs it as a white-labelled Stripe account you open from inside FreshBooks. It is sold only to businesses in the United States and Canada, on top of a FreshBooks subscription ($23 to $70 a month at list, or the custom Select plan). Published US pricing is 2.9% + $0.30 on domestic consumer cards, 3.5% + $0.30 on American Express and business cards, 1% on ACH with no cap outside Select, 3.5% + $0.30 on anything run through the $20-a-month Advanced Payments add-on (virtual terminal, saved cards, AutoPay), 6% + $0.30 on Affirm and Afterpay, plus 1.5% for cards issued abroad, 2% for currency conversion and $15 per dispute. Card money arrives two business days after the charge once the account is established, but every new account waits seven business days for its first payout, and Stripe's reserves and verification holds apply. There is no monthly fee, no minimum and no contract for the payments product itself. It is convenient and priced at the Stripe standard for small invoices; it is a poor fit for a business collecting large bank transfers, which pay the full 1% with no ceiling.

Payout

2 business days for cards after a 7-business-day first payout; ACH 4 days

Expert grade B-Read review →

Blackbaud Merchant Services (Blackbaud Integrated Payments)

Payfac / Aggregator

C+

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, Luminate Online, Blackbaud Tuition Management and the rest. Blackbaud, founded in Charleston, South Carolina in 1981 and listed on Nasdaq, does not process or hold the money itself; under its August 2025 payments terms the designated processor is Stripe, Inc., and each organization signs Stripe's sub-merchant agreement through Blackbaud. The published US rate is 2.99% + $0.30 per card transaction (3.5% + $0.30 on American Express), 1% + $0.30 capped at $5 for ACH, and a $15 chargeback fee, with no setup or monthly processing fee. What the rate card does not show is the rest of the bill: a payment enablement fee charged to every customer with a payments-capable product whether or not they process anything, a new online-form platform fee of 1.5% to 2% on top of processing from 1 July 2026, and a software subscription that renews on a standard three-year term unless you give 45 days' notice. Add the 2020 ransomware breach — a $49.5 million multistate settlement, a $3 million SEC penalty, a $6.8 million California judgment and a 2024 FTC order — and a D- BBB rating for the company, and the convenience of one integrated system carries a real cost. It is the default for organizations already committed to Blackbaud software; it is not a processor anyone picks on its own merits.

Payout

Daily or four-times-a-month cycle to your bank; not next-day

Expert grade C+Read review →

Truist Merchant Services

Platform / Acquirer

B-

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. Unlike most bank programmes, which refer merchants to Fiserv or another processor, Truist Bank is itself the counterparty on the merchant agreement: it bought out its former joint venture, SunTrust Merchant Services, LLC, in 2022 for $175 million and now runs the book directly, and in mid-2025 it began rolling out Truist Merchant Engage, a Pollinate-built dashboard that puts merchant services inside the bank's business-banking experience. The pitch is next-business-day funding into a Truist business checking account, in-house consultants rather than agents, and statement credits for balances of $25,000 or more. The price of that convenience is a contract written for the bank: no published rates, a three-year initial term with one-year auto-renewals, a $500 early-termination fee per merchant account ($250 in a renewal term), and the right to demand a reserve on seven days' notice. It is a reasonable option for a Truist business customer who negotiates; it is not one to sign without reading the Merchant Program Guide.

Payout

Next business day into a Truist business checking account

Expert grade B-Read review →

ProPay

Payfac / Aggregator

C+

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 subsidiary of Global Payments after TSYS bought it for $123.7 million in December 2012. Its model is unusual: an annual membership fee rather than a monthly one, a flat blended rate, funds that settle into a ProPay account before being transferred to your bank for a per-transfer fee, and single-transaction and monthly processing caps that rise only with history. As of September 2026 the public pricing page's rate table is empty, so the only official numbers are a fee schedule that says 'up to 3.50% plus $0.35' per card transaction and an annual membership fee of 'up to $299.95'. The Better Business Bureau shows 240 complaints in three years and an average review score of 1.02 out of 5, and ProPay remains a defendant in the TelexFree pyramid-scheme litigation twelve years after it was filed. It works as a plumbing layer for direct-selling companies; as a standalone merchant account it is hard to recommend over a modern aggregator.

Payout

2–3 days to the ProPay account, then 2–4 business days to your bank

Expert grade C+Read review →

Fresha

POS & Business Software

B+

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. It became a unicorn in May 2026 when KKR invested $80 million at a valuation above $1 billion, at which point it said it served more than 130,000 businesses, handled 35 million appointments a month and about $15 billion a year in gross merchandise value, and was profitable on a $140 million revenue run-rate. Payments are embedded in the software through Adyen for Platforms: as of September 2026 the US rate card is 2.29% plus $0.20 in person (plus $0.10 per Tap to Pay authorisation), 2.79% plus $0.20 online, 3.30% plus $0.20 for manually keyed cards and 5.99% plus $0.30 for Klarna instalments, with payouts the next business day, no contract and no early-termination fee. The software itself stopped being free in 2025 — plans are $19.95 a month for one person or $14.95 per bookable team member — and clients who find you on the Fresha marketplace cost a one-off 20% commission with a $6 minimum. Trustpilot rates it 4.8 from more than 7,000 reviews. It grades B+ on clear pricing and terms, with the marks held back by the marketplace fee, the 2025 pricing shift and the payout holds that come with any aggregator.

Payout

Next business day (daily payouts, default)

Expert grade B+Read review →

Razorpay

Payfac / Aggregator

B-

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 payment aggregator. It charges a published flat 2% platform fee plus 18% GST on domestic cards, UPI, netbanking and wallets, with no setup fee, no annual charge and free refunds, and reported operating revenue of ₹3,783 crore for the year to March 2025 on an annualised payment volume it put at $180 billion. The product is genuinely good and the pricing is clear; the reason it does not grade higher is the other side of the ledger: a Trustpilot score of 1.4 from 449 reviews dominated by frozen accounts and held settlements, a year-long RBI ban on onboarding new merchants that ended in December 2023, and a corporate story — a March 2025 reverse flip from the United States to India, a one-time charge that pushed it into loss, and a confidential IPO filing in June 2026 — that is still being written.

Payout

T+2 business days (domestic)

★ 1.4 trustpilotRead review →

Flutterwave

Payfac / Aggregator

B-

Flutterwave is the payment aggregator that most international businesses use to collect from customers across Africa. Founded in 2016 by Olugbenga Agboola and Iyinoluwa Aboyeji, headquartered in San Francisco and Lagos, licensed in 34 African countries and holding Nigeria's switching-and-processing licence since 2022 and a microfinance-bank licence since April 2026, it says it has processed more than a billion transactions worth over $50 billion and was valued at $3.2 billion in June 2026 when Ripple joined its Series E. Pricing is published per country and is simple — 2% on local cards in Nigeria, 2.9% on mobile money in Kenya, 4.8% on any international card since November 2024 — with next-day local settlement and no monthly fee. The B-minus reflects a record a merchant should read before relying on it: Kenya froze about $52 million of its funds in 2022 on money-laundering suspicions (the case was withdrawn in 2023 and the money returned), it still has no Kenyan licence of its own, and a 2023 technical glitch let POS merchants move about ₦19 billion out of the platform.

Payout

Next business day for local payments

★ 4.2 trustpilotRead review →

B-

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 Bank. Like most US bank merchant programs it is built on Fiserv: the hardware is Clover, the gateway third-party reviewers identify is Fiserv's Payeezy, and the Clover trademark disclosure on TD's own page names First Data. Like its bank peers it publishes flat rates, and its in-person rate is the lowest headline figure among the big-bank programs we cover. As of September 2026 the small-business page quotes 2.5% + $0.15 for swiped, tapped and chip transactions and 3.5% + $0.15 for keyed, phone and e-commerce payments, with customised pricing available through its Payment Advisors, and it promises funds in a TD settlement account by 6 AM ET the next business day. The catch is the contract. The current offer — a free Clover Go, terminal or Clover station worth $179 to $1,025 — requires a three-year Merchant Solutions processing agreement and an active TD business checking account, and TD's own footnote says an account terminated before the end of that term will be charged the value of the device, solution or credit it received. Third-party reviewers additionally report a $495 early-termination fee and $19.95-a-month PCI and gateway charges that TD does not publish. The bank behind it is also mid-remediation: TD Bank, N.A. pleaded guilty in October 2024 to Bank Secrecy Act and money-laundering conspiracy charges, paid about $3.09 billion in penalties and accepted a cap on its US assets. That does not touch card processing, but it is the counterparty on the merchant agreement.

Online rate

3.5% + $0.15 per e-commerce transaction, on the same non-swipe rate as keyed payments

Expert grade B-Read review →

Polar

Merchant of Record

B-

Polar (polar.sh) is an open-source merchant of record and billing platform for developers selling software, SaaS subscriptions and digital products. It is run by Polar Software, Inc., a Delaware corporation whose team is based in Stockholm, and was founded in 2022 by Birk Jernström, who co-founded the e-commerce platform Tictail, sold it to Shopify in 2018 and then led product for Shopify's Shop app. Polar launched version 1.0 of its billing platform in September 2024 and raised a $10 million seed round led by Accel in June 2025, with angels from Shopify, Vercel, Supabase, Raycast, Resend and Framer. As merchant of record it is the legal seller of everything sold through it — it collects and remits US sales tax, EU VAT, Canadian GST and other taxes, carries chargeback liability and issues the invoices — and it charges a single platform fee on top of that. That fee changed on 27 May 2026. Organisations created before that date keep an 'Early Member' rate of 4% + 40¢ plus 0.5% on subscriptions indefinitely; new organisations pay 5% + 50¢ on the free Starter plan or buy down the rate with Pro ($20 a month, 3.8% + 40¢), Growth ($100, 3.6% + 35¢) or Scale ($400, 3.4% + 30¢). International (non-US) cards add 1.5%, disputes cost $15 each regardless of outcome, payouts go through Stripe Connect at Stripe's pass-through fees ($2 per active payout month, 0.25% + 25¢ per payout), and organisations created on or after 12 May 2026 have a seven-day settlement delay before they can withdraw. Its code is Apache 2.0 on GitHub, its SDKs and framework adapters are widely praised, and its weak points are the ones you would expect of a seed-stage company two years into operating: thin support, fixed dunning you cannot customise, and pricing for newcomers that is now level with Paddle and Lemon Squeezy rather than below them.

Pricing clarity: 4.5
Feature set: 4.0
Ease of use: 4.0

Expert grade B-Read review →

Paystone

ISO

B

Paystone is a London, Ontario payment processor that calls itself Canada's largest bank-independent payment processor. It was founded in 2009 as Zomaron by Tarique Al-Ansari, who remains chief executive, rebranded to Paystone in November 2019 when it bought the Montreal gift-card and loyalty company DataCandy, and has since grown by acquisition — NiceJob in 2021, Canadian Payment Services in 2022 and the TSXV-listed loyalty firm Ackroo, for about C$21 million, in 2025 — on the back of roughly C$99 million raised in 2021, including C$30 million (about US$23.8 million) from Crédit Mutuel Equity. Its website says it serves more than 38,000 business locations and processes over $10 billion a year. The offer is interchange-plus with published starting points: in-person credit from 1.26% + 5¢ and debit from 5¢ a transaction on a $5-a-month merchant account, online credit from 2.27% + 25¢ on a $15-a-month gateway, a $99 setup fee, no locked-in contract, no cancellation fee and next-business-day deposits. Terminals range from the Ingenico Desk/5000 and Move/5000 to Clover Flex, Mini and Station Duo, and the processing is sold alongside its own DataCandy gift and loyalty programs and NiceJob review software. It is a registered MSP/ISO of U.S. Bank's Canadian branch and Elavon and of Wells Fargo Bank's US and Canadian branches, and a partner of Global Payments Direct and First Data Canada. The complaint record is small — third-party review sites count a handful of BBB complaints, mostly about terminal-rental billing and cancellation timing — and the company's BBB profile is currently under review. 'As low as' pricing means the real rate is a quote.

Payout

Next business day

Expert grade BRead review →

ProMerchant

Agent Office / Reseller

B-

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 businesses, and places harder-to-approve merchants — CBD, vape, supplements, firearms, credit repair, telemarketing and dozens of others on its published list — with what it says are twelve different high-risk processors. Its pitch is the terms rather than the rate: month-to-month agreements with no early-termination fee, no setup or application fee, a free terminal placement programme, and a choice between interchange-plus pricing with a fixed markup and a zero-cost surcharge plan for retail and restaurant merchants. It publishes no numbers; third-party reviewers report quotes starting around interchange plus 0.50% and $0.15 per transaction and $0.30 per virtual-terminal transaction. Funding is next day for batches settled by 8:30pm Eastern and otherwise two business days. It holds an A+ from the Better Business Bureau, accredited since November 2018 with seven complaints in three years, and a 4.3 on Trustpilot from 258 reviews — though only a couple of those are from the last year, and a run of mid-2024 reviews describe months of unanswered calls that ProMerchant attributed to a restructuring at a parent company unrelated to payments. With about 15 staff and no disclosed sponsor bank or processor, it is an agent office: your contract, reserve and funding terms come from whichever processor it places you with.

Payout

Next business day for batches settled by 8:30pm Eastern; otherwise 2 business days

Expert grade B-Read review →

Gumroad

Merchant of Record

C+

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 2025, the merchant of record on every sale, which means it charges, collects and remits sales tax, VAT and GST worldwide and handles disputes with buyers. It says creators have earned more than $1 billion through it, and in April 2025 it published its entire codebase under an MIT licence. Lavingia stepped down as chief executive in November 2025 after 14 years, handing over to long-time engineer Ershad Kunnakkadan. The price of the simplicity is high: 10% plus $0.50 on every direct sale, plus card processing at 2.9% plus $0.30, and a flat 30% on sales that come through Gumroad's Discover marketplace; only sellers passing $20,000 in a calendar month drop to 5% plus $0.50. There is no monthly fee, refunds return Gumroad's share, and chargebacks cost the creator the sale and the processing fee but no penalty. Payouts are weekly on a fixed weekday by country, after a seven-day hold, and — since a change creators noticed in March 2026 — only once the balance reaches $100. Public reviews are poor: the Trustpilot profile scores 1.4 from about 415 reviews, most of them about held or missing payouts and support that is hard to reach.

Pricing clarity: 4.0
Feature set: 3.5
Ease of use: 4.5

Expert grade C+Read review →

Barclaycard Payments

Platform / Acquirer

B-

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 installed the UK's first electronic point-of-sale terminal in 1986. It is one of the largest acquirers in the UK — the company says it processed more than nine billion card payments in 2025 for more than 160,000 businesses, settling in 18 currencies and accepting 118 — and it is in the middle of the biggest change in its history: in April 2025 Barclays agreed a partnership under which Brookfield Asset Management will help run the business as a standalone company, Barclays will put in about £400 million, and Brookfield can buy a majority stake from year three. A new chief executive, Jason Lalor, formerly of Mastercard, Conferma and Square, started in January 2026. For merchants the offer splits in two. Small businesses get Smartpay Anywhere, a £29 + VAT pocket reader with no contract and no monthly fee, or Smartpay Touch, a £29 + VAT-a-month Android terminal on a 12-month term with no exit fee; both settle next working day for sales taken before 7pm. Traditional countertop and portable terminals come on 18-month contracts at £16 or £18 + VAT a month after a free first year, with an exit fee if you leave early. Barclaycard publishes no rate card — every account is priced on turnover, with representative examples of 0.7% + 3p on an in-person debit card and 2.05% + 3p on a keyed credit card — and its service reputation is the weak point: the only Trustpilot profile blends consumer-card and merchant reviews and is dominated by complaints about reaching a person.

Payout

Next working day (sales before 7pm on Smartpay; before 9pm on Countertop and Portable)

Expert grade B-Read review →

Tyro

Platform / Acquirer

B+

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 the ASX as TYR since 2019. It serves more than 77,800 Australian merchants, processed $44.3 billion in transaction value in the year to June 2026, and reported gross profit of $231.8 million, EBITDA of $66.9 million and statutory profit before tax of $22.3 million for that year. Its pricing is published and flat: 1.3% including GST on every card transaction for businesses under $20,000 a month, a custom quote above that, and a Pro Touch or Pro Key terminal at $29 a month, a Pro Lite at $19, or a Tap to Pay app on your own phone for nothing — with no lock-in contract, no joining fee and no break fee. New customers transacting more than $20,000 a month who join before 24 November 2026 get 1% until 31 March 2027. Takings settle seven days a week, the same day, into a fee-free Tyro Transaction Account protected by the Financial Claims Scheme, or next business day to an outside bank. Tyro integrates with more than 580 POS and practice-management systems, routes debit through the cheapest network with Tap & Save, and lends up to $400,000 against card takings. The record has one scar: a January 2021 terminal outage that left some merchants unable to take cards for weeks and produced a Federal Court class action that Tyro settled in principle in February 2023 without admitting liability. Nigel Lee became chief executive in January 2026, and Tyro's Australian Trustpilot profile is 4.2 from about 560 reviews, 69% five-star and 20% one-star.

Payout

Same day, 7 days a week, into a Tyro Transaction Account

Expert grade B+Read review →

Flywire

Platform / Acquirer

B

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 receivables for about 5,300 clients in education, healthcare, travel and B2B — more than 3,300 educational institutions, more than 150 healthcare systems and roughly 1,800 travel and business clients. It listed on Nasdaq as FLYW in May 2021, processed $37.6 billion in total payment volume in 2025 on revenue of $623 million and net income of $13.5 million, and has bought its way into new verticals: Simplee (healthcare, 2020), WPM (UK universities, 2021), Cohort Go (2022), StudyLink (Australian admissions, 2023), Invoiced (B2B receivables, 2024) and Sertifi (hotel payments, $330 million, February 2025). Clients sign negotiated agreements and Flywire publishes no rate card; its revenue is a percentage of each payment that varies by payment method, currency pair and region, plus fixed fees on domestic transactions, and the payer sees the total, including any Flywire fee and the currency conversion, before confirming. Its subsidiary Flywire Global Corp. holds money-transmitter licences in 46 US jurisdictions. Two things temper the picture: a securities class action, Hickman v. Flywire, has been pending in the Eastern District of New York since July 2025 over how the company described the effect of student-visa policy on its growth, and Flywire has voluntarily reported apparent sanctions violations to OFAC after an internal review. Its Trustpilot score is 4.0 from about 3,150 reviews, mostly written by students and patients paying through it rather than the institutions that choose it.

Pricing clarity: 2.0
Feature set: 4.5
Ease of use: 4.0

Expert grade BRead review →

Teya

Platform / Acquirer

B

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, Ribbit Capital and Michael Spencer — total funding is reported at about $845 million by data providers and $1.1 billion by The Business of Payments. It grew by acquisition — Iceland's Borgun in 2020, the UK's RMS Group in 2022 and the Czech ePOS company Storyous among them — and now sells to small businesses in nine European markets, the UK, Croatia, Czechia, Hungary, Iceland, Italy, Portugal, Slovakia and Spain, with Spain and Italy launched commercially in February 2026. In the UK the offer is a Teya Pro or Teya Lite card machine from £14.99 a month with a lifetime warranty, Tap to Pay on iPhone and Android, online payments, and a free e-money Business Account that card takings settle into next working day as standard, every day including weekends and bank holidays as an option, or in seconds with Instant Settlements. Rates are quoted rather than published — the pricing page says there is no standard price list, the card-machine page says fees start at 1.59% — and using an outside bank account instead of Teya's adds 0.10% to every transaction. Teya Solutions Ltd is an electronic money institution authorised by the Financial Conduct Authority (reference 978181), so the account is safeguarded rather than FSCS-protected. Its UK Trustpilot profile is 4.4 from about 1,500 reviews, 82% five-star and 15% one-star, and the one-star reviews are about held funds and unreturned calls.

Payout

Next working day; daily incl. weekends optional

Expert grade BRead review →

myPOS

Platform / Acquirer

B

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, after which the founder exited and Mario Shiliashki, formerly of Mastercard and PayPal, became chief executive. It sells card machines outright — the myPOS Go 2 at £39, Flex at £59, Go Combo at £169 and Ultra at £179, all excluding VAT — with no monthly fee, and settles every card payment instantly into a free myPOS e-money business account with a Mastercard business card, a model it says it pioneered in 2014. The UK rate card is published for businesses under £10,000 a month: 1.10% + 7p on domestic consumer cards, 2.20% + 7p on EEA consumer cards, 2.45% + 7p on American Express and 2.85% + 7p on everything else in person, and 1.30% + 15p domestic, 2.50% + 15p Amex and 2.90% + 15p other cards online; larger businesses get a custom quote. UK, Gibraltar and Swiss services are provided by myPOS Payments Ltd, an electronic money institution authorised by the Financial Conduct Authority (reference 900826), and the group says it serves more than 400,000 merchants in over 30 countries with 15 physical stores, up from the 170,000 small businesses Reuters reported when the sale was agreed. Its Trustpilot profile is 4.2 from nearly 22,000 reviews, 70% five-star and 13% one-star, and the one-star reviews are about unexplained application rejections, slow deliveries and support that is hard to reach.

Payout

Instant, into the myPOS e-money account

Expert grade BRead review →

CDGcommerce

ISO

B+

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, N.A. It is unusual among independent sales organisations for publishing its entire rate card: a flat-rate plan at 2.90% + $0.30 in person and 3.50% + $0.30 online with a $9.95 monthly fee, an interchange-plus plan at interchange + 0.30% + $0.10 retail, + 0.35% + $0.15 online and + 0.25% + $0.10 for non-profits, and a wholesale membership at $49 to $199 a month paid annually with per-transaction cents from 15¢ down to 6¢. Its own Quantum gateway and virtual terminal are free, there are no PCI, annual, statement or gateway fees, and — in the company's words — in more than twenty years it has never required a contract length or termination fee. It holds an A+ rating and BBB accreditation since 2020 with two complaints closed in three years, and it makes no attempt to serve merchants outside the United States or in adult, cannabis or telemarketing categories. The weaknesses are the ones that come with a small shop: a thin self-service knowledge base, a Dejavoo terminal that carries a $79-a-year update charge, and third-party reports of funding holds and terminations on riskier accounts.

Online rate

Flat rate: 3.50% + $0.30. Interchange-plus: interchange + 0.35% + $0.15

Payout

Not published

Expert grade B+Read review →

Zeller

Platform / Acquirer

B+

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. It sells an EFTPOS terminal outright — the Zeller Terminal 1x and the newer Zeller Terminal 2, both listed at A$99 on promotion in September 2026 — with no monthly rental, no lock-in contract and a flat 1.4% on every in-person card, American Express included, falling to 1.2% when payments run through its free Zeller POS software. Every merchant gets a Zeller Transaction Account and debit card at no cost, with card takings settled into it nightly and available the next business day at an outside bank. It also offers invoices, a virtual terminal, Tap to Pay on iPhone and Android, corporate expense cards and, from April 2026, a UK operation priced at 1.3% on domestic Visa and Mastercard. The company reached a valuation above A$1 billion ten months after launch on the back of a A$100 million Series B in March 2022 and says more than 100,000 Australian businesses use it. Zeller Australia Pty Ltd holds an Australian financial services licence and is a principal member of Mastercard; merchant funds are held in a segregated account at Cuscal rather than in a bank deposit. The pricing is among the simplest in the Australian market and the hardware is well regarded; the recurring complaint is the one every fintech acquirer attracts — funds frozen pending documents, with slow answers.

Payout

Nightly into the Zeller Transaction Account; next business day to an outside bank

Expert grade B+Read review →

Wix Payments

Payfac / Aggregator

B-

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. It lets a Wix merchant accept cards, Apple Pay, Google Pay, PayPal and instalment plans from Affirm, Afterpay and Klarna without connecting a third-party processor, with payments, payouts, refunds and disputes managed from the Wix dashboard. Wix's own help centre says it is available in fifteen countries and, in its terms, that the processing underneath is handled by Adyen and Stripe in most regions and by Pagar.me in Brazil — so this is a payment facilitator layered on other acquirers rather than a new one. US pricing is published in full: 2.9% plus 30¢ on standard cards online, 3.7% plus 30¢ on American Express, 2.6% flat on the Wix POS hardware, 2.6% plus 20¢ for Tap to Pay, 3.5% plus 30¢ keyed, 6% plus 30¢ on the instalment options, a 1.5% cross-border surcharge and a $15 chargeback fee. Payouts run daily, weekly or monthly and reach a US bank in three to five business days after a two-to-five-day pending period. The case for it is one dashboard, a competitive in-person rate and a real hardware line; the case against is that online it costs exactly what Stripe charges directly, Amex is expensive, Wix's documented reserve and hold policy gives it wide latitude over your money, and support is chat and callback only.

Payout

Daily, weekly or monthly; 3–5 business days to a US bank

Expert grade B-Read review →

LawPay (8am, formerly AffiniPay)

ISO

B+

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. Launched in 2007, it is offered through all fifty state bar associations and more than sixty local and specialty bars, describes itself as the only ABA-recommended payment solution for the legal industry, and says more than 120,000 lawyers use it. Its reason for existing is trust accounting: card fees are debited from the firm's operating account rather than the client trust or IOLTA account, and chargebacks and refunds cannot be pulled from trust funds, which is what the bar rules require and what a general-purpose processor cannot promise. Pricing is published in full and interchange-free: $19 a month with no contract, 2.99% plus 30¢ on Visa, Mastercard and Discover, 3.90% plus 30¢ on American Express, 1% on eCheck, 5.95% on its Pay Later legal-fee financing, plus a $7.99 monthly card-brand pass-through fee and 1.75% on foreign cards. Since January 2024 eligible firms have had next-business-day funding on cards and eCheck, and since April 2026 8am has guaranteed it. 8am, LLC operates as an independent sales organization of Fifth Third Bank, Wells Fargo Bank, Synovus Bank and Fiserv Canada. The record is good: an A+ BBB rating with fourteen complaints in three years, and a Trustpilot profile that is 78% five-star. The costs are a card rate a tenth of a point above Stripe's, an Amex rate near four percent, and a pass-through fee that reviewers say catches firms unawares.

Payout

Next business day on cards and eCheck for eligible accounts; 2 business days otherwise

Expert grade B+Read review →

Squarespace Payments

Payfac / Aggregator

B-

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. Announced in October 2023 and rolled out first in the United States, it now covers fifteen countries and lets a Squarespace merchant accept cards, ACH, Klarna, Afterpay and other methods without connecting Stripe or PayPal, with payments, payouts, refunds and disputes managed inside the Squarespace dashboard. Underneath, Squarespace's own help documentation describes Stripe as its processing services partner, so this is a payment facilitator layered on Stripe rather than a new acquirer. US pricing is published in full: 2.9% plus 30¢ on standard cards on the Basic and Core plans, 2.7% on Plus and 2.5% on Advanced, a 1.5% surcharge on international cards, 3.2% plus 30¢ on American Express and premium cards, ACH at 1% to 1.5%, and a $20 dispute fee. Payouts are daily and reach a US bank account in one to two business days. The case for it is convenience and, on the higher plans, a modest rate cut; the case against is that it is no cheaper than Stripe direct on the plans most merchants are on, it is locked to Squarespace, and a steady stream of complaints describes risk holds on funds with no phone number to call.

Payout

Daily; 1–2 business days in the US

Expert grade B-Read review →

Lemon Squeezy

Merchant of Record

C+

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 Stripe in July 2024. As merchant of record it is the legal seller of record on every transaction: it collects and remits sales tax and VAT worldwide, absorbs fraud and chargeback liability, and pays the merchant a net amount twice a month. The price is one number — 5% plus 50 cents per transaction, with no monthly fee — plus surcharges of 1.5% on international and PayPal transactions and 0.5% on subscription payments, and the tooling around it (checkout overlays, licence keys, signed download links, affiliates, email marketing) is unusually complete for the price. The catch is what has happened since the acquisition. Stripe has built its own merchant-of-record product, Stripe Managed Payments, priced at 3.5% on top of standard Stripe fees, and in January 2026 Lemon Squeezy's chief executive wrote that the team had been heads-down on it, that Lemon Squeezy users had seen slower support and fewer updates as a result, and that the goal was to give them an easy way to migrate. Independent sentiment has collapsed accordingly: 1.2 on Trustpilot from 173 reviews, 88% of them one-star, mostly about onboarding rejections and unanswered support requests. The product still works and still signs up new merchants, but a buyer today is choosing a platform whose own maker is steering customers to its successor.

Payout

Twice monthly, on the 14th and 28th

Expert grade C+Read review →

Dojo

Platform / Acquirer

B

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 acquirer under the Dojo brand. It now holds its own acquiring licence rather than reselling Fiserv's, and by its own filings handled £46.2bn of card volume for roughly 146,000 merchant locations in the year to March 2025 — a share it puts at 12.5% of UK small-business card-present acquiring. The pitch is simple: a fast card machine, money in your account the next day including weekends and bank holidays, integration with more than 450 EPOS systems, and a UK phone line. For businesses turning over less than £100,000 a year on cards there is a published Fix plan at £39.99 a month covering the first £3,999 of monthly card turnover, with 1% above that. Everyone larger gets a quote. Independent satisfaction is strong — 4.2 on Trustpilot from 5,612 reviews, 88% of them five-star — and the company is FCA-authorised. Against that sit a 12-month minimum term with the remaining terminal fees payable if you leave early, custom pricing that cannot be benchmarked, a fee schedule with £28 chargebacks and a £15-a-month PCI non-compliance charge, and a balance sheet carrying £649m of net debt at a 14% effective interest rate.

Payout

Next day, seven days a week

Expert grade BRead review →

Viva.com

Payfac / Aggregator

B

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. It is unusual in two ways that matter to anyone comparing processors. The first is disclosure: where almost every acquirer in Europe quotes privately, Viva.com publishes a full price pack per country — acquiring rate, scheme pass-throughs, plan fees, dispute fees, investigation fees and cash-withdrawal charges, line by line, with an effective date stamped at the bottom. For UK consumer cards in September 2026 that pack quotes 1.69% for card-present with a 1p minimum per transaction, and 2.19% + 24p online. The second is its licence. Viva is not an intermediary reselling somebody else's acquiring: the group holds a Greek banking licence, acquired with Praxia Bank in 2020, alongside an e-money licence from the Bank of Greece, and it describes itself as Europe's first full tech bank for businesses, operating across 29 European countries. J.P. Morgan has owned 48.5% since December 2022, with the founders holding the balance — a stake that has also produced several years of shareholder litigation between the two.

Online rate

2.19% + 24p for UK consumer cards

Payout

Real-time settlement, included on every plan

Expert grade BRead review →

takepayments

ISO

B

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. It does not hold your merchant agreement: its own terms make clear that a customer enters a separate contract with an acquiring bank for the transaction processing, while takepayments supplies the terminal, the onboarding, the PCI compliance help and the support line. Two things stand out. The first is its service record, which is the strongest of any provider reviewed on this site by volume: 4.8 on Trustpilot across 66,994 reviews, 94% of them five-star, with more than 6,000 arriving in the last twelve months. The second is that it publishes no prices whatsoever. Rates, standing charges and terminal costs are all quoted by a field consultant after a visit, on a twelve-month minimum term that then runs monthly. The company is older than its name suggests: Companies House records the entity as incorporated on 14 September 1995 and shows it trading as Targeted Transaction Managed Services, then Alphyra UK, then Payzone UK, before taking the takepayments name in December 2019.

Pricing clarity: 1.5
Feature set: 3.5
Ease of use: 4.5

Expert grade BRead review →

Paystand

Bank / A2A Payments

B-

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 monthly subscription rather than a percentage of every transaction. Its own bank-to-bank network carries payments between businesses at no transaction fee, while card and ACH acceptance are resold at what it describes as pre-negotiated wholesale rates, and the software sits on top automating invoicing, collections and reconciliation against ERP systems like NetSuite. It bought the spend-management company Teampay in April 2024, which took it into accounts payable as well, and it says the combined network now touches more than a million businesses with over $20bn in payment volume processed. In April 2026 it launched USDb, a stablecoin backed one-to-one by dollar reserves and issued on two Bitcoin layers — a genuine strategic bet, and the thing most likely to decide whether a given finance team sees Paystand as forward-looking or as a risk it does not need.

Pricing clarity: 1.5
Feature set: 4.0
Ease of use: 3.0

Expert grade B-Read review →

Swipesum

Agent Office / Reseller

B

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. Its core work is the statement audit — running a merchant's monthly processing statement through its own software, called Staitment, to separate interchange from processor markup, identify what is negotiable, and quantify what is being overpaid. From there it will renegotiate with the incumbent, run a competitive process across a network it describes as more than seventy providers, and handle the implementation. It describes itself as a fractional chief payments officer rather than an independent sales organisation, and unusually for this corner of the industry it publishes actual prices: the evaluation and implementation service is free, enterprise consulting starts at $50 an hour, and a single statement analysis is $75. It claims to have analysed over $300.5 billion in processing volume since 2016, and it has made the Inc. 5000 three years running — No. 729 in 2023, No. 666 in 2024, and again in 2025.

Pricing clarity: 4.5
Feature set: 3.5
Ease of use: 4.0

Expert grade BRead review →

Sunbit

BNPL Network

B

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. Its natural habitat is the unplanned bill: a $1,400 transmission repair, a root canal, a dog that swallowed something it should not have. The technology and the servicing are Sunbit's; the credit itself is not. Loans and the Sunbit Card are issued by Transportation Alliance Bank, trading as TAB Bank, which is the lender of record. Merchants are told customers can finance totals from $60 to $20,000, that roughly 90% of applicants are approved, and that the application takes about thirty seconds at the point of service. Sunbit's own pages variously describe a network of over 30,000 and over 40,000 locations, concentrated in dentistry, auto service, veterinary care, optical, powersports and general healthcare. The consumer record is unusually good for this category — 4.7 out of 5 across 3,977 Trustpilot reviews and an A+ BBB rating, accredited since 2020 — and Sunbit says it has now made the Forbes Fintech 50 three years running and the Inc. 5000 five. What it does not do is publish what it charges the merchant.

Pricing clarity: 1.5
Feature set: 3.5
Ease of use: 4.5

Expert grade BRead review →

Splitit

BNPL Network

B-

Splitit is an Atlanta-headquartered installment provider that works differently from every other name in buy-now-pay-later. There is no loan, no application and no new account: the shopper pays with a credit card they already hold, Splitit places an authorization on the card for the full purchase amount, and the balance is charged down in monthly or bi-weekly instalments against that same card's existing credit line. Because no credit is being extended, nobody is declined for credit — Splitit advertises approval above 85% against 30–40% for conventional BNPL, and an average order value above $1,000 against roughly $250. The company began life as PayItSimple, rebranded in 2015, listed on the Australian Securities Exchange, then took a $50m investment commitment from Motive Partners, delisted from the ASX and went private in December 2023. It is led by chief executive Nandan Sheth and registered in the United States as Splitit USA Inc., NMLS #2314339. Merchant pricing is quoted rather than published, across four plan tiers whose consumer APR ranges from 0% to 35.99% depending on which side absorbs the cost.

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

Expert grade B-Read review →

Payabli

Payfac / Aggregator

B

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. It does not sell merchant accounts to businesses. It sells payments infrastructure to software companies, so that a property-management system, an HOA portal, a school-district platform or a field-service tool can take payments inside its own product and earn on them, without going through the cost and compliance burden of becoming a payment facilitator itself. The stack is organised as Pay In for acceptance and merchant onboarding, Pay Out for payables, and Pay Ops for the operational layer around both, with a low-code builder called Creator and an AI feature set branded Amigo layered on top. The company is a registered payment facilitator of PNC Bank and Huntington Bank and a registered ISO/MSP of Merrick Bank — an unusually clear disclosure for this part of the market. It raised a $28m Series B in June 2025 led by Fika Ventures and QED Investors, bringing total funding to about $60m, and reported 7x year-on-year revenue growth, more than 50,000 merchants on the platform and billions of dollars in live processing volume.

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

Expert grade BRead review →

Fullsteam

Payfac / Aggregator

B-

Fullsteam is a payments and vertical-software holding company founded in 2018 and headquartered in Auburn, Alabama, with a second base in Atlanta. Its model is unusual enough to explain before anything else: rather than selling merchant accounts directly, Fullsteam buys the industry-specific software small businesses already run on — association management, self-storage, field services, healthcare practice management, automotive, wine, hospitality — and embeds its own payment processing into those products. It registered as a Visa payment facilitator in 2019, and by its own account it now employs more than 2,100 people and serves over 60,000 customers, having acquired dozens of software businesses since 2018. For a merchant, that means Fullsteam is usually not a company you chose. It is the company that started processing your payments after the software vendor you did choose was acquired. The product side of that bargain is real: modern embedded payments, one support and reporting layer, and back-office scale a small software vendor could not fund. The commercial side is where the criticism sits. Fullsteam publishes no pricing at all, and a payments-audit firm has documented five rate increases since May 2023, most recently in April 2026.

Pricing clarity: 1.5
Feature set: 4.0
Ease of use: 3.0

Expert grade B-Read review →

Aeropay

Bank / A2A Payments

B-

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 accounts over ACH and the instant rails rather than over the card networks. The business is built around four pieces — Aerosync for connecting a customer's bank account, Pay for taking the debit, Payout for pushing money back out, and Guard for risk — and it is sold to industries where cards are either expensive, awkward or refused outright. That history is the important context. Aeropay found its first real traction in cannabis dispensaries, where card acceptance is a persistent problem, and then moved hard into online gaming; by August 2024 gaming was around 80% of revenue. It raised a $20m Series B in May 2024, led by Group 11, and has assembled a credible list of banking and network partners since — Cross River, MVB Bank, Regent Bank, a Worldpay collaboration for gaming, a Skipify checkout partnership and a Jack Henry integration announced in June 2026. The company publishes no pricing at all, and its consumer-facing record is the problem: the Better Business Bureau rates it F, with a pattern-of-complaints alert and complaints about delayed transfers and unresponsive support.

Payout

Seconds via RTP or FedNow; Same-Day ACH otherwise.

Expert grade B-Read review →

Zip

BNPL Network

B

Zip is the US buy-now-pay-later network formerly known as Quadpay, owned by the ASX-listed Zip Co Limited. Zip Co was founded in Sydney in 2013 by Larry Diamond and Peter Gray and listed on the Australian Securities Exchange in 2015; the American business it now trades under is Quadpay, a New York company incorporated in August 2017 and bought by Zip in a deal announced in June 2020, approved by shareholders on 31 August 2020 and completed that September. For a merchant the offer is the familiar BNPL trade: let shoppers split a purchase into four instalments over six weeks, get paid up front, and hand the credit and non-payment risk to Zip. What separates Zip from the rest of the category is that it prints a price, and a settlement window to go with it. Its Standard plan is published on its own site at 5.9% plus 30 cents per transaction with no monthly or annual fee, where Afterpay, Klarna and most of the field quote nothing at all and negotiate every deal in private. It also publishes what most of the category will not: that it settles the merchant in full, minus its fees, within two to three business days, and where chargeback liability sits. That 5.9% is nonetheless the highest published headline rate in mainstream BNPL, and Zip's own FAQ confirms it is a floor rather than a ceiling. The parent is now solidly profitable — FY26, the year to 30 June 2026, brought A$16.7 billion of transaction volume, A$1.336 billion of revenue and A$116.4 million of statutory profit, with the US arm growing revenue more than 42% in local currency — but it has also exited Singapore, the United Kingdom and, in August 2026, New Zealand, and in May 2026 lost a unanimous High Court trade mark case in its home market — a loss it settled eight days later by acquiring the disputed mark from Firstmac, avoiding the rebrand the judgment otherwise required and taking on no further damages liability.

Online rate

5.9% + 30c on the published Standard plan; enterprise pricing is custom.

Payout

2-3 business days, net of fees.

★ 4.5 trustpilotRead review →

Sola

ISO

B

Sola is the brand Fidelity Payment Services and its Cardknox payment gateway have traded under since October 2024. The underlying business is old by payments standards — the Better Business Bureau records it as started on 1 December 1996, and Sola's own history says it began as a retail ISO agent for Heartland Payments before becoming a registered ISO with First Data in 2008, expanding into Canada in 2010, building the Cardknox gateway in 2013, being acquired by the private equity firm H.I.G. in 2017 and passing to PSG in a 2022 acquisition in which H.I.G. stayed on as a minority investor. It is headquartered at the Brooklyn Navy Yard, and the rebrand announcement described it as serving tens of thousands of merchants across a range of industries. What distinguishes it from the crowd of merchant-services resellers is that it owns its gateway rather than renting one: Cardknox is Sola's own product, which is why the company can go after software platforms wanting to embed payments as convincingly as it goes after individual merchants. What it has in common with the crowd is that it publishes no rates, no fees and no contract terms anywhere on its site. Its own footer discloses what it is — a registered Independent Sales Organization of Citizens Bank, N.A. and Elavon, Inc. — which is the most useful sentence on the website.

Pricing clarity: 1.5
Feature set: 4.0
Ease of use: 3.5

Expert grade BRead review →

PAR Technology

POS & Business Software

B

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 Government segment to Booz Allen Hamilton in 2024 to concentrate on it. Its cloud point of sale began life outside the company as Brink Software, a San Diego business PAR partnered with from 2011 and acquired in September 2014; rebadged PAR POS, it runs in what the company says is more than 140,000 restaurant locations, including large franchise estates such as Burger King and Papa Johns, and around it PAR sells loyalty and engagement, digital ordering, back-office software, hardware and its own payments product, PAR Pay. The payments proposition is unusual for a point-of-sale vendor and is the most interesting thing here: PAR Pay is deliberately gateway-agnostic — its own marketing says to pick your processor, your hands are never tied — with next-day funding as standard, EMV, NFC and EBT support, tip handling, chargeback tooling, P2PE and PCI compliance and machine-learning fraud scoring across more than 110 transaction signals. The business behind it is growing: second-quarter 2026 revenue of $133.4 million, up 19% year on year, with annual recurring revenue of about $338.0 million, up more than 17%. What PAR does not do is publish a price for any of it.

Payout

Next-day funding standard.

Expert grade BRead review →

Bolt

Gateway / Orchestration

C

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 valuation. The product is a hosted checkout backed by a claimed network of more than 80 million US shoppers, the idea being that a returning Bolt account holder skips the form entirely, and the pricing is genuinely the most detailed and the most aggressive published in this market: a flat 2.5% plus 30 cents for processing, a $5 chargeback fee, 100% of fees returned on refunds, subscriptions and Checkout Everywhere free, and the statement that there are no lock-in commitments, ever. The problem is not the product sheet. It is the company. Bolt's valuation was reported as low as $300 million in 2024 secondary sales, down from $11 billion in January 2022; it has cut staff four times since 2022, most recently by roughly 30% in April 2026; it eliminated its entire human resources function; the founder left the chief executive role in 2022 and returned in March 2025; and trade reporting describes a company that has struggled to pay vendors. Two of its largest named customers sued it and settled. For a merchant, that is not background colour — the checkout is the least replaceable component in a store.

Online rate

2.5% + $0.30 flat, published.

Expert grade CRead review →

Basys Processing

ISO

B

Basys Processing is a privately held merchant-services company in Lenexa, Kansas, incorporated in March 2002 and run by its founder, Brad Oddo. Its own footer describes what it is more precisely than its marketing does: a registered Independent Sales Organization of Citizens Bank, N.A., KeyBank, N.A., PNC Bank, N.A. and Merrick Bank. In practice that means Basys sells, prices and supports merchant accounts that settle on partner rails, deploying Fiserv-family and PAX hardware alongside its own IQ Pro gateway, and it reaches most of its merchants through banks, credit unions, software platforms and professional associations rather than through cold outbound. The pitch is service rather than price: US-based in-house support that answers 99% of calls within three rings and resolves 90% of issues on the first, next-day funding, surcharging and cash-discount programs, ACH, recurring billing, QuickBooks and ERP integrations, and a healthcare practice that reaches as far as Epic. The complaint record is remarkably quiet for a company of 24 years — an A+ Better Business Bureau rating, accredited since March 2014, with essentially no complaint volume on file. The gap is the one its own pricing page opens: it is headed 'Total Pricing Transparency' and contains no prices.

Payout

Next-day funding.

Expert grade BRead review →

Talus Pay

ISO

B-

Talus Pay is a Dallas merchant-services organisation trading as FPT Operating Company, LLC. The business dates to 2006, when it was founded in Dallas as Future Payment Technologies; it took the Talus Pay name in February 2019 following a trademark dispute, and has since consolidated its acquisitions under the master brand Talus. Its Better Business Bureau file records a business start date of 2 December 2016 and accreditation since 10 April 2017 — dates that reflect the current LLC's registration rather than the origin of the business. It has been a portfolio company of the private-equity firm A&M Capital Partners since 2017 and has grown largely by acquisition: Prolific Business Solutions in 2018, three add-on deals during 2019, and Jobox.ai together with Clarus Merchant Services in January 2024. The corporate structure is unusually layered even by ISO standards — AMCP Payments Intermediate Company LLC does business as Talus Pay, Talus Payments, LTD Merchant Services, MSP Consulting, Granite Payment Alliance, Philadelphia Processing, City National Bank Merchant Services and Merchant Bank Partners, and the group is a registered ISO or MSP of Pinnacle Bank dba Synovus Bank, Citizens Bank N.A., Elavon and Esquire Bank. Talus sells a proprietary gateway called Talus Connect, the ReadyPoint point-of-sale line, mobile acceptance, and — through a partnership with Ingenico announced in December 2025 — a hardware-free SoftPOS tap-to-pay product for North America. It holds an A+ BBB rating. It publishes no rates, no fees and no contract terms anywhere.

Payout

Set at underwriting.

★ 5 bbbRead review →

Revolut Business

Payfac / Aggregator

B

Revolut Business is the merchant-acceptance arm of Revolut, the London fintech founded in 2015 by Nik Storonsky and Vlad Yatsenko. It is unusual in this directory for a simple reason: it publishes a complete rate card. A merchant can read, before speaking to anyone, that in-person domestic consumer Visa and Mastercard transactions cost 0.8% + £0.02, that the same cards online cost 1% + £0.20, that commercial and international cards cost 2.6% + £0.02 in person and 2.8% + £0.20 online, that a Revolut Terminal is £169 + VAT and a Lite Terminal £129 + VAT, and that a chargeback dispute resolved in the merchant's favour returns £15. Acceptance is a sub-account of a Revolut Business account rather than a separate merchant account with a separate provider, so settlement lands in the same balance the business already banks from, in as little as 24 hours. The important limit is geographic: Revolut has offered acquiring across the UK and continental Europe since 2020–21 — its own January 2021 announcement put the count at 29 European countries, a figure it has not refreshed since — and launched a full merchant-acquiring suite in Australia during 2026. It publishes no United States card-acceptance rates. In March 2026 Revolut exited the Bank of England's mobilisation phase and received a full UK banking licence, roughly twenty months after being granted one with restrictions in July 2024.

Payout

Next day, including weekends.

Expert grade BRead review →

Nexi

Platform / Acquirer

B

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. It was assembled through consolidation — most consequentially the merger with the Danish group Nets, completed on 1 July 2021, and the merger with the Italian rival SIA, effective 1 January 2022, which together were widely reported as creating the largest European paytech by EBITDA — and now runs three businesses: Merchant Solutions (acquiring and acceptance), Issuing Solutions (card issuing and processing for banks) and Digital Banking Solutions (clearing, open banking, ATM and network services). Adyen carries a far larger market value and Worldline has at times been described as Europe's largest acquirer by revenue, so "largest" depends on the measure — but the scale is not in doubt. In the first half of 2026 the group reported net revenues of €1,736 million, EBITDA of €870 million and merchant transactions of 10,225 million worth €423 billion, with Merchant Solutions accounting for roughly 56% of revenue. What a merchant will not find is a price. Nexi sells overwhelmingly through partner banks and through country brands rather than direct, so acceptance terms are set by whichever bank or channel signs the merchant, and there is no group rate card to compare. The company is also in transition at the top: in March 2026 it appointed Bernardo Mingrone, previously group chief financial officer and CEO of Nexi Payments, to succeed Paolo Bertoluzzo after a decade as chief executive, and the shares fell on the announcement.

Payout

Set by the partner bank.

Expert grade BRead review →

Lavu

POS & Business Software

B-

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. It raised a $15 million investment from Aldrich Capital Partners in 2015 — reported at the time as the largest Series A in New Mexico's history — and has since assembled a full restaurant stack around the till: a kitchen display system, online and contactless ordering, a dual-pricing (cash discount) programme, payroll, back office and its own payment processing under the name Lavu Pay. Through 2026 the company repositioned hard around Marty AI, an overnight analysis layer that reads point-of-sale, labour and inventory data and delivers a "Morning Deposit" briefing of recoverable cash to managers before service, published a comparative report on AI capabilities across seven major restaurant POS platforms in March 2026, and now markets itself as an intelligent financial operating system rather than a till. Independent reviewers place its plans at roughly $59, $129 and $279 a month with a three-year commitment; Lavu itself no longer publishes a pricing page.

Payout

Set by Lavu Pay at onboarding.

Expert grade B-Read review →

Afterpay

BNPL Network

B

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. — the deal was announced in August 2021 at a headline US$29 billion and completed on far less, reported at roughly US$14 billion in Class A shares, because Block's own share price had fallen in the interim. For a merchant, the proposition is straightforward: offer shoppers four interest-free instalments over six weeks, or a monthly plan over six or twelve months, get paid up front rather than waiting for the customer to finish paying, and let Afterpay carry the fraud and non-payment risk. In exchange the merchant pays a commission Afterpay does not publish — third-party reviewers consistently report a range around 4% to 6% plus roughly $0.30 per transaction, several times the cost of taking the same sale on a card. Afterpay's own merchant marketing claims a 58% increase in average order value among accepting merchants and $8.6 billion of incremental US sales delivered over the preceding twelve months. Under Block, the product has increasingly become a Cash App feature rather than a standalone checkout button: Afterpay Post-Purchase and, from 2026, Afterpay Pre-Purchase let Cash App Card holders convert everyday card spend into instalments at any merchant, whether or not that merchant has ever signed an Afterpay agreement.

Payout

1–2 business days.

Expert grade BRead review →

Wave (Wave Financial)

Payfac / Aggregator

B-

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. H&R Block bought it for $405 million in a deal that closed on 1 July 2019, and it has been a subsidiary ever since. Payments run at 2.9% plus 60 cents for Visa, Mastercard and Discover, 3.4% plus 60 cents for American Express, and 1% with a $1 minimum for bank payments, with no monthly fee on the free Starter plan; a $19-a-month Pro plan waives the 60-cent card fee on the first ten transactions each month and adds features. Card money lands in one to two business days, bank payments in one to seven, and eligible accounts can pull an instant payout to a debit card for a further 1%. Since November 2020 Wave has served the United States and Canada only. Its US card processing is powered by Adyen and Stripe, which Wave discloses in its own terms.

Payout

1–2 business days for cards.

★ 4 bbbRead review →

Riverside Payments

ISO

C+

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. It sells merchant accounts to small and mid-sized US businesses through a field sales force, pairing card processing with point-of-sale hardware from Clover, Dejavoo, TouchBistro, Aldelo and NCR. Its pitch is built on two promises that recur throughout its marketing: free and secure point-of-sale or credit card machines, and help getting out of a contract with your existing processor. It publishes no rates, no fees and no contract terms. The public record is where the difficulty lies: the BBB records 256 complaints against the company in the last three years, 71 of them closed in the last twelve months, with consistent themes of savings that did not materialise, difficulty cancelling, and equipment that turned out to be financed through a separate, non-cancelable 48-month third-party lease rather than supplied free.

Payout

Not published.

★ 4.5 bbbRead review →

PaySimple

Payfac / Aggregator

B-

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. Its own about page dates the business to 2006 and puts it at more than 22,000 businesses; the site footer carries a 2005 copyright and the Better Business Bureau file records a December 2006 start, so the exact birth year depends on which document you read. What matters more is the lineage: the company Eric Remer founded as PaySimple is the company that was incorporated as EverCommerce in 2016 and listed on Nasdaq in 2021. PaySimple was not bought by EverCommerce so much as it became it, and the brand now sits inside that group as one product among many — the BBB file is registered to "EverCommerce Solutions Inc., DBA PaySimple Inc." PaySimple is a registered ISO of Fifth Third Bank and of Wells Fargo Bank. Pricing is published in full and unusually plain: $79.95 a month with every feature included, 2.9% plus 30 cents on cards, 1% plus 30 cents on ACH, no contract and no cancellation fee.

Payout

Third business day for cards.

★ 5 bbbRead review →

Merchant Lynx Services

ISO

C

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 1999. It is a registered ISO/MSP of Esquire Bank, N.A. of Jericho, New York and a registered ISO of Deutsche Bank AG, New York, and it sells card processing, its own Lynx POS system, check guarantee, gift cards, digital check imaging and merchant cash advances to small and mid-sized businesses across retail, hospitality, healthcare, education, automotive and government. The company advertises itself as an Inc. 5000 business and claims a ranking of 21st among US acquirers. The terms behind that sales pitch are published on its own website and are unusually onerous: the merchant agreement runs an initial three-year term, renews automatically for successive three-year terms unless cancelled with 90 days' written notice, and carries a $495 early-termination fee that can be deducted straight from settlements. Equipment leases are separately non-cancelable. The BBB rates the business F and revoked its accreditation.

Payout

Not published.

★ 0.5 bbbRead review →

Bluefin

Gateway / Orchestration

B

Bluefin is an Atlanta company that sells payment security rather than payment processing. Founded in 2007 and originally trading as Capital Payments, LLC doing business as Bluefin Payment Systems, it built its business on PCI-validated point-to-point encryption — technology that scrambles card data inside the terminal at the moment of the tap, so that what travels through the merchant's systems is already worthless to a thief. Around that it has assembled a gateway (PayConex), a decryption service sold to other processors and gateways (Decryptx), a tokenization platform for personal, health and card data (ShieldConex) and, more recently, a proxy layer called PointConex that adds validated encryption without forcing anyone to recertify their processor integrations. Bluefin says it now supports more than 40,000 customers across 60 countries through over 300 integration partners. Its headquarters is in Atlanta, with offices in Waterford, Ireland and Vienna, Austria; the Vienna presence came with its November 2022 acquisition of TECS Payment Systems. The Better Business Bureau rates it A+ and has accredited it since July 2017.

Payout

Set by your processor.

★ 5 bbbRead review →

Sezzle

BNPL Network

B-

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. It began as a next-business-day ACH product and pivoted to instalments in 2017, listed on the Australian Securities Exchange on 30 July 2019, began trading on Nasdaq as SEZL on 17 August 2023 and left the ASX in January 2024. For the quarter ended 30 June 2026 it reported gross merchandise volume of $1.3 billion, up 37.9% year on year, total revenue of $149.7 million, up 51.7%, and net income of $40.8 million. For a merchant the bargain is the standard BNPL one but unusually cleanly stated: the shopper pays Sezzle a down payment, Sezzle pays you the full order value less your merchant rate, and Sezzle then carries both the fraud risk and the repayment risk for the six weeks that follow. What Sezzle does not do is tell you what that costs. There is no published merchant rate anywhere on its site — the fee is in the agreement you sign — and there are three separate ancillary charges most merchants only meet after signing.

Payout

About 3 business days.

★ 3.5 bbbRead review →

QuickBooks Payments (Intuit)

Payfac / Aggregator

B

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. Intuit was founded in 1983 and is headquartered in Mountain View, California; money movement is provided by Intuit Payments Inc., licensed as a money transmitter by the New York State Department of Financial Services, and the card acquiring itself runs through JPMorgan Chase Bank, N.A. and Paymentech, LLC under the commercial entity merchant agreement Intuit publishes. Rates are published in full and, as of the figures Intuit dated 30 April 2026, are 2.5% for in-person payments, 2.99% for invoices and other card and digital-wallet transactions, 1% for ACH bank payments, 3.5% for keyed cards, and 2.99% for buy-now-pay-later through Affirm. There is no monthly fee for Payments itself, no minimum and no long-term contract. The defining trade-off is reconciliation: nothing else puts card, ACH, PayPal, Venmo and Affirm volume straight into your books with no matching step, and nothing else in this price band has quite the same reputation for freezing deposits.

Payout

Next business day if before 3pm PT.

★ 4 bbbRead review →

PNC Merchant Services

Platform / Acquirer

C+

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 the processing and the Clover hardware. It publishes flat rates, which most bank programmes do not: 2.60% plus $0.10 for a swiped, dipped or tapped card and 3.45% plus $0.15 for online, telephone or manually keyed transactions, with next-business-day funding on Visa, Mastercard, Discover and American Express when the money lands in a qualifying PNC business checking account. What it does not publish is the rest of the agreement — the monthly and annual account fees, the term length, and the liquidated-damages provision that applies if you leave early. That gap is not academic: in November 2021 PNC Merchant Services agreed to a settlement of up to $14.5 million to resolve two class actions brought by merchants over annual fees, early-termination fees and paper statement fees.

Payout

Next business day to a PNC account.

★ 4.5 bbbRead review →

Melio

Bank / A2A Payments

B-

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. It is not a card acquirer: instead of helping you take money from customers, it moves money out to your suppliers, letting you pay any vendor by ACH, cheque, wire or card even when that vendor accepts none of those, and syncing the result into QuickBooks, Xero or NetSuite. Xero announced its acquisition of Melio in June 2025 and completed it on 15 October 2025 for US$2.5 billion upfront in cash and equity, with up to a further US$0.5 billion payable over three years. Xero's announcement put Melio at 80,000 customers, more than US$30 billion of payments processed in FY25 and US$153 million of FY25 revenue. Melio publishes its entire fee schedule, which is rare in this market and the single strongest thing about it. Against that sits a Better Business Bureau rating of F and a large, consistent body of complaints about accounts suspended mid-payment with funds already in transit.

Payout

3 business days by ACH.

★ 1 bbbRead review →

CardFlight (SwipeSimple)

Gateway / Orchestration

B-

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 name CardFlight. That is by design: CardFlight has historically sold through banks, merchant acquirers and independent sales organisations, which rebrand or resell SwipeSimple to their own merchants, and the company says ten of the top thirty US merchant acquirers and ISOs have selected it as their preferred small-business acceptance product. It reports more than 125,000 small businesses on the platform as of August 2026. Alongside that channel business it now sells direct, as SwipeSimple Connect, with fully published pricing: 2.6% plus 10 cents in person, 3.5% plus 10 cents keyed, no monthly, annual, batch, statement or PCI fees, no contract, a $49 mobile reader and a $299 smart terminal. WestView Capital Partners took a growth stake in October 2024.

Payout

About two business days.

★ 1.5 bbbRead review →

Payline Data

ISOClaimed

B

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% and 8 cents above $1 million. That alone puts it in a small minority of US processors. It advertises no application fee, no cancellation fee and no term length, does not charge for PCI compliance, and funds next day. It is a registered ISO of Wells Fargo Bank N.A. and Fifth Third Bank N.A., says it serves more than 20,000 merchants, and takes high-risk business including nutraceuticals, subscriptions, firearms, CBD and adult. The complication a reader should know before signing is ownership: Payline was bought by Pineapple Payments in October 2017, and Fiserv bought Pineapple in May 2021, so Payline has been a Fiserv brand for five years. Nothing on Payline's own site says so.

Payout

Next day.

★ 4.2 googleRead review →

Nayax

Payfac / Aggregator

B-

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. Founded in 2005 by Yair Nechmad and David Ben Avi and headquartered in Herzliya, it listed on the Tel Aviv Stock Exchange in May 2021 and on Nasdaq in September 2022. In the second quarter of 2026 it reported revenue of $122.6 million, up 28.2%, on total transaction value of $2.056 billion across 815 million transactions, 1.553 million managed and connected devices and 125,400 customers, at a blended take rate of 2.62%. Its US retail plan is published at $99 a month with no transaction fee on the first $5,000 of monthly volume. Against that: a February 2025 consent decree with the Israeli Competition Authority over its OTI acquisition, a July 2026 cloud security incident, 79 BBB complaints in three years and a 2.2-star Trustpilot.

Payout

Weekly on the US retail plan.

★ 2.2 trustpilotRead review →

Electronic Payments

ISO

B

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. It is one of the few mid-sized US acquirers that runs its own stack rather than reselling somebody else's: Cygma, launched in 2023, is EPI's own authorization and clearing platform, and Exatouch, ProCharge, eGiftSolutions and the Vault gateway are in-house products. The company says it processes more than $26.5 billion a year across 60,000+ merchant partnerships and 486 million transactions, and calls itself the 23rd largest US acquirer. It bought UK-based Handpoint in August 2025, adding roughly 100 ISV integrations, 18,000 connected devices and more than $2 billion of annual volume plus reach into Canada, the UK and over 20 EEA markets. Its BBB file is unusually clean — A+, accredited since 2010, four complaints in three years. It publishes no pricing whatsoever.

Online rate

Not published.

Payout

Not published.

★ 4.5 bbbRead review →

dLocal

Platform / Acquirer

B-

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. It exists to solve one problem: a global business that wants to sell in Brazil, India, Nigeria or Indonesia has to accept Pix, boleto, GCash, M-Pesa, UPI and local cards, and settle in currencies with capital controls. dLocal covers 60+ countries and more than 1,000 payment methods through a single integration, and counts Amazon, Shopify, Dropbox, Mailchimp, Shein and Tripadvisor among its merchants. In 2025 it processed $41 billion of total payment volume, up 60%, on revenue of $1.09 billion and gross profit of $403 million. It is also the most legally scrutinised company in this category: two Muddy Waters short reports in late 2022, a reported Argentine government investigation in 2023, a New York IPO-disclosure class action that was dismissed and whose dismissal was upheld on appeal in April 2026, and a separate federal securities case in the Eastern District of New York that is still live.

Payout

T+3 bank transfers, T+7 cards (dLocal Go).

★ 1.1 trustpilotRead review →

Affirm

BNPL Network

B-

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 2021. For the fiscal year ended 30 June 2026 it reported $50.2 billion of gross merchandise volume, up 37%, across approximately 571,000 active merchants and 27.8 million active consumers. Merchants integrate Affirm as a checkout option, Affirm underwrites and funds the consumer, and the merchant is paid in full up front minus a fee. Two things make it materially different from card acceptance: Affirm bears the consumer fraud risk on transactions it approves, and the merchant fee is several times a card rate — third-party surveys of mid-market merchants report 2% to 8%, while Affirm's own filings put blended merchant network revenue at 2.3% of GMV in FY2026. Its BBB profile is A+ and accredited; its consumer Trustpilot score is 1.7 across roughly 7,700 reviews.

Payout

1-3 business days by ACH.

★ 4.5 bbbRead review →

Xsolla

Merchant of Record

B-

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 the company moved to California in 2010. It becomes the legal seller of your game or in-game item, which transfers sales tax, VAT, fraud loss and chargeback liability off the developer and onto Xsolla, and it is the dominant option for direct-to-player web shops that route around the 30% mobile app store cut. Its marketing describes a revenue share as low as 5%, with over 1,000 payment methods across 200-plus markets, 130-plus currencies and 25-plus languages. It publishes no full rate card, and its recent corporate history — a 2021 mass dismissal driven by workforce analytics, six former-executive lawsuits since 2019, and a 2024 Bloomberg investigation into more than $100 million moving between company and founder accounts — deserves as much of a developer's attention as the pricing does.

Pricing clarity: 2.0
Feature set: 4.5
Ease of use: 4.0

Expert grade B-Read review →

Moov

Payfac / Aggregator

B

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. It sells one API that accepts cards and bank payments, holds balances in wallets, sends payouts by RTP, FedNow or push-to-card, and issues virtual cards — the full money-movement stack that a vertical SaaS company would otherwise assemble from four vendors. It is the rare payments company that publishes a complete rate card: interchange plus 0.60% and 15 cents for online card acceptance, interchange plus 0.50% and 15 cents for Tap to Pay, 25 cents for next-day ACH, and a $500 monthly minimum with no setup fee. It has raised roughly $77.5 million across three named rounds, with Visa, Andreessen Horowitz, Bain Capital Ventures and Commerce Ventures on the register, and it operates in the United States only.

Pricing clarity: 4.5
Feature set: 4.0
Ease of use: 3.5

Expert grade BRead review →

Ingenico

POS & Business Software

B-

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 360 cloud platform through banks, acquirers and ISVs rather than direct to merchants. Its own site claims roughly 3,000 staff across 52 offices in 32 countries, deployments in more than 120 countries, tens of millions of terminals in the field, over 1,000 bank and acquirer clients and 2,500-plus payment applications. It publishes no merchant pricing, because merchants are not its customers. The story of 2026 is financial rather than technical: after Apollo bought it from Worldline in 2022, Ingenico opened talks with its lenders in April 2026 over an interest bill it could not carry, and in August 2026 announced a recapitalisation that converted part of its debt to equity, brought in EUR 150 million of new money from a PIMCO-led group and removed Apollo from the shareholder register entirely.

Pricing clarity: 1.0
Feature set: 4.5
Ease of use: 3.5

Expert grade B-Read review →

First Card Payments

Agent Office / Reseller

B-

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 Alexander Ellis as president. It is a broker rather than a processor: it places accounts with what it describes as more than 30 banking and ISO partners, across 40-plus verticals that ordinary processors decline — adult, CBD, firearms, nutraceuticals, debt relief, travel, forex, gaming, dropshipping and pharmacy among them. It holds an A+ rating with the Better Business Bureau without being accredited, and the BBB records the business as starting on 2 December 2015. It publishes no rates, no fees, no reserve terms and no contract terms anywhere on its site, and it appears in Fit Small Business's 2026 shortlist of high-risk providers as the pick for a one-stop account setup.

Pricing clarity: 1.0
Feature set: 3.0
Ease of use: 3.5

★ 5 bbbRead review →

BitPay

Payfac / Aggregator

B-

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 company. A merchant is quoted in fiat, the customer pays in bitcoin, a stablecoin or another supported asset, and BitPay settles to the merchant's bank account in dollars on the next business day, absorbing the price movement. Its merchant pricing is published in full — 2% + 25 cents under $500,000 a month, 1.5% + 25 cents to $999,999, and 1% + 25 cents above $1 million — which puts it ahead of most of the payments industry on transparency. Crypto payments are push transactions, so there are no chargebacks. The company holds a BBB A without accreditation, settled with the US Treasury's sanctions office in 2021 over 2,102 apparent violations, and carries a 1.2-star Trustpilot score driven overwhelmingly by consumers using its wallet rather than by merchants.

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

★ 4 bbbRead review →

Trustly

Bank / A2A Payments

B-

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. It is, on its own account, the largest pay-by-bank provider in the world by volume — a ranking no independent source confirms: its full year 2025 results report processed volume up 17.6% to SEK 1,059.0 billion, the first year it has carried more than $100 billion in total payment value, and it passed 120 million users in April 2026. Revenue, however, fell 12% on a constant-currency basis to SEK 2,427.7 million and it made a SEK 565.0 million loss after tax, a year into a 24-month transformation programme. It is regulated in Sweden and the UK, and in February 2022 the Swedish Financial Supervisory Authority issued it a warning and a SEK 130 million fine for serious anti-money-laundering failings. It publishes no merchant pricing.

Pricing clarity: 1.5
Feature set: 4.0
Ease of use: 3.0

★ 2.8 trustpilotRead review →

Spreedly

Gateway / Orchestration

B

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. It stores your customers' card credentials in its own vault, connects them to more than 140 payment gateways through one API, and routes, retries and optimises transactions across them. It reported annual gross merchandise volume expected to exceed $60 billion for 2025, up from $50 billion in 2024, across more than 400 customers in 100-plus countries. Entry pricing for the vault starts at $750 a month; everything above that is quoted. It is enterprise infrastructure, not a merchant account, and a small business should not be shopping for it.

Pricing clarity: 2.5
Feature set: 4.5
Ease of use: 3.5

Expert grade BRead review →

Klarna

BNPL Network

B

Klarna is a Swedish-founded, UK-parented digital bank and flexible payments provider that listed on the New York Stock Exchange in September 2025. Its full year 2025 results put it at $127.9 billion of gross merchandise volume, $3.5 billion of revenue, 118 million active consumers and 966,000 merchants. For a retailer it is not a merchant account — it is an additional payment method that sits alongside card acceptance, sold on the promise of higher conversion and larger baskets, and priced far above card interchange. Klarna publishes no US rate card, its dispute process runs on its own rules rather than the card networks', and it is defending a securities class action filed after its IPO.

Pricing clarity: 1.5
Feature set: 4.5
Ease of use: 4.0

★ 4.5 trustpilotRead review →

Inovio Payments

Gateway / Orchestration

B-

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 and nutraceuticals — alongside ordinary retail and SaaS. It is a wholly owned brand of North, the company formerly called North American Bancard, which launched it in April 2016, and it is a registered ISO of BMO Harris Bank. Its own site says 'Since 1992', a date that belongs to its parent group and to its sister brand Humboldt Merchant Services rather than to Inovio. It publishes no rates, no fees and no contract terms, and it has no Better Business Bureau profile of its own.

Pricing clarity: 0.5
Feature set: 3.5
Ease of use: 3.0

Expert grade B-Read review →

FastSpring

Merchant of Record

B+

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. It becomes the legal seller of your product, which means it — not you — owns the payment relationship, the sales tax and VAT obligation, the fraud loss and the chargeback. Its own site claims more than 3,200 customers, over $2 billion in transactions a year, 200-plus regions, 35-plus currencies and 21-plus languages. It holds a BBB A- and is twenty-one years old, both unusual in this category. It publishes no rates.

Pricing clarity: 1.5
Feature set: 4.5
Ease of use: 4.0

Expert grade B+Read review →

TouchBistro

POS & Business Software

C+

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. Operators generally like the software. What sinks the grade is the commercial relationship: annual agreements that auto-renew, an F rating with the Better Business Bureau after dozens of unanswered complaints, and a cancellation process that generates more grievances than any other aspect of the product.

Pricing clarity: 3.0
Feature set: 4.0
Ease of use: 3.5

★ 1.5 trustpilotRead review →

SignaPay

ISO

B-

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 to pay by card. It has held BBB accreditation since 2008 and an A+ rating, but it publishes no rates, and third-party reviewers consistently describe three-year agreements with auto-renewal and an early termination fee.

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

Expert grade B-Read review →

SecureGlobalPay

Agent Office / Reseller

B-

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 repair and collections — across the US, Canada, the EU and the UK. Its BBB record is clean, and it advertises interchange-plus pricing with no long-term contract, but it publishes no actual rates and its independent review footprint is too thin to corroborate much.

Pricing clarity: 2.5
Feature set: 3.5
Ease of use: 3.0

Expert grade B-Read review →

PayTrace

Gateway / Orchestration

B

PayTrace is a Spokane-area payment gateway built for businesses that sell to other businesses and to government. Its differentiator is automatic Level 2 and Level 3 data capture, which can qualify commercial and purchasing card transactions for materially lower interchange. It publishes no rate card, and the processing rate you actually pay is set by whichever merchant services provider sells you the account.

Pricing clarity: 2.5
Feature set: 4.0
Ease of use: 3.5

Expert grade BRead review →

Celero Commerce

ISO

C+

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. It has genuine scale — Deluxe put the acquired book at more than 55,000 merchant relationships and 130 bank partners — but the Better Business Bureau currently declines to issue it a rating and has flagged a pattern of complaints, and merchants report cancellation fees the company does not publish.

Pricing clarity: 1.5
Feature set: 3.5
Ease of use: 3.0

Expert grade C+Read review →

REPAY

Payfac / Aggregator

B

A vertical payments company you probably meet through your software, not through a salesperson. REPAY — legally M & A Ventures, LLC doing business as REPAY, and known in full as Realtime Electronic Payments — was founded in 2006 and is headquartered in Atlanta. It is publicly traded as RPAY and reported full-year 2025 revenue of $309.3 million, split between a Consumer Payments segment at $285.9 million and a Business Payments segment at $48.4 million, with 2026 guidance of $340 to $346 million. Its business is embedding payment acceptance and vendor disbursement inside the software that particular industries already run: consumer lenders, auto dealers and their finance arms, credit unions, receivables management firms, municipalities, healthcare, HOA and property management. The distinctive products are the ones a general processor does not build — Instant Funding, which pushes loan proceeds to a borrower's debit card in real time through Visa Direct, and an AP automation network REPAY says exceeded 602,000 suppliers at the end of 2025. What it does not do is publish a price or serve a walk-up merchant.

Pricing clarity: 1.5
Feature set: 4.0
Ease of use: 3.5

Expert grade BRead review →

NCR Voyix

POS & Business Software

B-

The retail and restaurant half of the old NCR. NCR Corporation — founded in 1884 as the National Cash Register Company — renamed itself NCR Voyix in October 2023 when it spun off its ATM business as NCR Atleos, and what remains is a unified commerce platform: Aloha and Counterpoint point of sale, self-checkout, and Voyix Pay processing sold alongside them. The scale is real. NCR Voyix reported 80,000 platform sites and more than 8,500 payment sites at the end of 2025, $1.7 billion of annual recurring revenue, and full-year Software and Services revenue of $1,986 million. The problem is the paper you sign. The published US merchant agreement sets a 36-month initial term that auto-renews for 12-month periods unless you give 60 days' notice, makes cancellation during the term immediately payable for every remaining month, and reserves an annual price increase of CPI plus 5% — with a contractual floor of 5% — that applies during the initial term as well as after it. Buy the platform if the platform is what you need, and negotiate the term before you sign anything.

Pricing clarity: 1.5
Feature set: 4.5
Ease of use: 3.0

★ 4.4 trustpilotRead review →

Leap Payments

ISO

B-

A sales organisation with an unusually good promise and an unusually poor paper trail. Leap Payments sells interchange-plus pricing to every customer and attaches a Lifetime Rate Lock: its own processing, authorization and monthly account fees will not rise for the life of the account, with interchange itself passing through at cost in both directions. That is a better structure than most small merchants are offered, and the company has real standing behind it — it was named the number one MSP/ISO in Elavon's Western Region for merchant activations at Elavon's 2019 conference. The trouble is that you cannot verify anything else. No rate, no markup, no monthly fee and no contract term is published. Sources disagree on whether the agreement is month-to-month with no early termination fee or a three-year term with a $295 exit fee. Its own site says it is a sales office for WorldPay, an FIS Global company — a description stale on two counts by 2026 — while independent reviewers describe it as a registered ISO and MSP of Elavon. And the Better Business Bureau, which the company's marketing history leans on, currently shows no rating at all.

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

Expert grade B-Read review →

CSG Forte

Platform / Acquirer

B

A biller-focused processor that does ACH properly. Forte Payment Systems was founded in Texas in 1998 and acquired by CSG Systems International on 1 October 2018, becoming CSG Forte; CSG itself was taken private by NEC's Netcracker subsidiary on 14 May 2026, so the parent above this business changed hands very recently. The company says it handles 260 million transactions and more than $195 billion a year for roughly 175,000 merchants, and it sells almost entirely into recurring-billing verticals — utilities, government, insurance, healthcare, property management, telecoms. Two things set it apart. It is a registered acquirer as well as a gateway, operating as an Elavon Payments MSP and a Registered MSP/ISO of Elavon, Inc., Georgia, and it publishes unusually honest documentation of how ACH actually settles, including the awkward fact that standard funding can take up to six business days. Against that, no rates are published, the standard agreement runs three years, and the BBB file shows unanswered complaints and merchants struggling to stop billing after cancellation.

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

Expert grade BRead review →

Bankful

Gateway / Orchestration

B-

A high-risk-friendly gateway that does the one thing almost nobody in high risk does: it publishes its prices. Bankful sells gateway plans off a public page — $0 a month with a $50 monthly minimum and $0.15 a transaction at the bottom, $495 a month and $0.08 a transaction at the top — and lists the add-on costs alongside them, down to $38 per Ethoca alert and $1.60 per eCheck authentication. It is an officially supported third-party gateway for WooCommerce and works with BigCommerce, Wix, Ecwid and Shopify, and it accepts categories those platforms' own processors decline: CBD, nutraceuticals, firearms, tobacco, adult, dating, bail bonds and tech support. The reservations are substantial and you should weigh them properly. The card processing rate — the number that actually determines your cost — is not published, only the gateway fee on top of it. The independent record is polarised: an A+ Better Business Bureau file, accredited since 2020, against a 2.1 Trustpilot score where 91% of eleven reviews are one star. And Bankful shares a suite address and a co-founder with eMerchantBroker, so treat the two as one commercial relationship rather than two quotes.

Pricing clarity: 3.0
Feature set: 3.5
Ease of use: 3.5

★ 2.1 trustpilotRead review →

Epos Now

POS & Business Software

B-

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 countries. The software is well liked — 26,281 Trustpilot reviews average 4.3, and the day-to-day complaints are few. The problems are all at the edges of the relationship: nothing about software pricing is published on the US site, the hardware bundle is advertised behind a discount countdown that never actually runs out, no two independent reviewers describe the same contract length, and the recurring theme in the US complaint record is how hard it is to get out. BBB lists 114 complaints in three years against an A+ accredited profile. Good product, aggressive commercial packaging — get the term and the monthly cost in writing before you sign anything.

Pricing clarity: 1.5
Feature set: 4.0
Ease of use: 4.0

★ 4.3 trustpilotRead review →

emerchantpay

Platform / Acquirer

B

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. emerchantpay holds its own FCA authorisation as an electronic money institution (Reg. No. 900778), has been a principal member of Visa Europe and Mastercard since 2012, launched its own gateway in 2013 and its own acquiring division in 2014, and runs card-present alongside online and mobile. It underwrites verticals most acquirers decline — gaming, forex, travel, subscriptions — which makes it a genuine option for merchants who have been turned down elsewhere, without being a broker reselling somebody else's appetite for risk. The catch is the usual one: no published pricing, quotes come from sales after underwriting, and high-risk accounts should expect a rolling reserve. Its US arm is in Boca Raton, but its licensing and scheme membership are European, so establish which entity is boarding you.

Pricing clarity: 1.5
Feature set: 4.5
Ease of use: 3.5

★ 4 trustpilotRead review →

Dwolla

Bank / A2A Payments

B-

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. Dwolla does not touch cards at all: it does standard ACH, Same Day ACH, and instant payments over the RTP network and FedNow, behind a single integration. That is a genuinely useful thing to be able to buy, and Dwolla has been doing it longer than almost anyone. Two things should temper the enthusiasm. It no longer publishes any pricing — the pricing page now says only that terms are tailored to volume, rails and integration — and in May 2026 Dwolla was acquired by NMI, which is folding its capabilities into NMI's embedded payments platform. NMI says it will keep supporting existing Dwolla customers; neither company has said whether the Dwolla brand and product survive the integration. Build on it if bank-to-bank money movement is your requirement, but ask about the roadmap in writing.

Pricing clarity: 1.5
Feature set: 3.5
Ease of use: 3.5

Expert grade B-Read review →

CardConnect

ISO

C+

A Fiserv-owned merchant services brand built around the CardPointe platform, sold almost entirely through independent sales agents and ISOs. The technology is capable — CardPointe covers in-store, online, mobile and virtual terminal, CardSecure handles tokenisation and point-to-point encryption, and Clover hardware comes with it. The commercial record is the problem. CardConnect paid $7.65 million in 2021 to settle a class action covering 110,875 merchants who said it charged fees their agreements never named, and in July 2024 a Pennsylvania medical practice filed a fresh proposed class action alleging the same conduct had resumed, citing a $199.99 annual compliance fee, a $215 security bundle fee and a $200 annual membership fee introduced in February 2024. Nothing about pricing is published, terms vary by whichever agent sells to you, and the recurring complaint on every public channel is how hard it is to leave.

Pricing clarity: 1.0
Feature set: 4.0
Ease of use: 3.5

★ 1.8 trustpilotRead review →

Amazon Pay

Payfac / Aggregator

B

Amazon's express checkout button for other people's websites. Amazon's merchant payments business dates to the Amazon Flexible Payments Service beta in August 2007; the product merchants use today launched as Login and Pay with Amazon on 8 October 2013 and took the Amazon Pay name later. A shopper clicks it, signs in with the Amazon account they already have, and pays with a card and address Amazon already holds. Pricing is published and ordinary — 2.9% plus a $0.30 authorization fee on US domestic transactions, 3.9% plus $0.30 when the card was issued abroad, no monthly fee and no setup fee — and Express Payout will fund a US bank account within 24 hours including weekends, for free. What Amazon Pay is not is a merchant account. It is online-only, it has no card-present product, its acceptable use policy bans a long list of categories outright including CBD regardless of state law, and it only ever captures the slice of your checkout that Amazon shoppers choose. Treat it as a second button next to your real processor, not as a replacement for one.

Pricing clarity: 4.5
Feature set: 3.0
Ease of use: 4.5

Expert grade BRead review →

Worldline

Platform / Acquirer

B-

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 Shift4. What remains is a Paris-headquartered acquirer and processor serving roughly 1.2 million merchants and financial institutions across Europe with about 13,400 staff. The last two years have been brutal: a June 2025 investigative report accused it of knowingly processing for prohibited and high-risk clients, Belgian prosecutors opened a money-laundering probe into its local unit, the shares fell more than 40%, and S&P cut the credit rating to junk in August 2025. The underlying acquiring business is real and licensed; the governance record and the balance sheet are why this is not a B.

Pricing clarity: 2.0
Feature set: 4.0
Ease of use: 3.0

Expert grade B-Read review →

TailoredPay

Agent Office / Reseller

B-

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, travel, dropshipping and, more recently, prop trading firms. It publishes a real address, a named list of over a hundred verticals, gateway integrations with Authorize.net and NMI, and — unusually for this corner of the market — some indicative pricing on its own blog. What it does not have is much of a public record: 42 Trustpilot reviews, every single one of them five stars, no BBB profile we could find, and no named acquiring banks. The absence of complaints is not the same as evidence of good outcomes, and a spotless rating on a small sample deserves scepticism rather than credit.

Pricing clarity: 3.0
Feature set: 3.5
Ease of use: 4.0

★ 4.8 trustpilotRead review →

Newtek Payments (NewtekOne)

ISO

B-

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. That makes it unusual among mid-market processors: the same company can hold your deposits, write your SBA loan, run your payroll, sell you insurance and process your cards. The payments business is real but not growing — $22.3 million of processing revenue in the first half of 2026, down from $24.0 million a year earlier — and it publishes no rates at all. The recurring merchant complaint is undisclosed fees and difficulty cancelling, and there is an old but serious regulatory matter on the record: a 2015 FTC settlement under which the Newtek processing entity paid $1.7 million over payments it handled for a robocall scheme.

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

★ 4.9 trustpilotRead review →

Leaders Merchant Services

ISO

C+

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 from iPayment's 2017 acquisition to Paysafe's purchase of iPayment in June 2018. It sells through independent agents, quotes rates only after a sales call, and — according to consistent third-party reporting — puts merchants on three-year contracts that auto-renew and carry an early termination fee in the $250–$350 range. It holds an A+ from the BBB and is accredited there, but the customer-facing record is the opposite: 1.3 out of 5 on Trustpilot from 49 reviews, two-thirds of them one star, with the same three complaints repeating — quoted rates that did not match the contract, fees that appeared without warning, and accounts that kept billing after the merchant believed they had cancelled.

Pricing clarity: 1.5
Feature set: 3.0
Ease of use: 3.0

★ 1.3 trustpilotRead review →

Cybersource

Gateway / Orchestration

B

Visa's enterprise payment gateway, founded in 1994 in Silicon Valley and bought by Visa for about $2 billion in 2010. It is one of the largest gateways in the world — Cybersource's own marketing claims 14.3 billion transactions a year, connections to more than 200 acquirers and processors across 160-plus countries, and 99.999% uptime — and its Decision Manager fraud engine is genuinely among the best-regarded in the industry. What it does not do is publish a single price. Cybersource has no public rate card, no published gateway fee and no self-serve signup; every quote comes through a sales conversation or through whichever acquirer resells it to you. For a large merchant with a payments team that is normal. For anyone smaller, it is the main reason to look at its sister brand Authorize.net instead.

Pricing clarity: 1.5
Feature set: 5.0
Ease of use: 2.5

★ 2.2 trustpilotRead review →

Xplor Pay

Platform / Acquirer

B

The US payments arm of Xplor Technologies, and the company you knew as Clearent until it dropped the name in July 2025. It is a straightforward mid-market acquirer with two things going for it that most of its peers do not have: interchange-plus is the default rather than the upsell, and next-day funding runs on an 11:00 p.m. Eastern cut-off, which is about as late as this industry gets. The trade-offs are the ordinary ISO ones — a three-year term and a per-location early termination fee reported at $395, a PCI non-compliance charge around $25 a month, and an annual fee that steps up after year one. Nothing here is published by the company, which is the recurring frustration.

Payout

Two business days on the standard schedule.

Expert grade BRead review →

Payroc

ISO

B

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 across roughly 190,000 clients in the US, Canada, the Caribbean, the UK and the EU. It runs its own gateway, its own POS line and its own boarding and reporting APIs, which makes it a credible one-integration partner for software platforms and ISOs. What it does not do is publish a price. Payroc sells almost entirely through commission-paid agents and referral partners, so the rate, the term and the cancellation fee you get are set by whoever signs you, and the most consistent merchant complaint is being told there was no early termination fee and then being billed several hundred dollars for one.

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

Expert grade BRead review →

PAYARC

ISO

B-

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. It is more forthcoming than most about mechanics — its own partner documentation publishes a default fee schedule, chargeback pricing that differs for restricted and high-risk merchants, and the card-network high-risk registration costs that most processors let merchants discover on a statement. That transparency sits awkwardly next to its public record: a Trustpilot score of 1.4 from 46 reviews, sharply polarised, with recurring accounts of suspended accounts, withheld funds, billing after cancellation and three-year terms merchants say they did not agree to.

Pricing clarity: 3.0
Feature set: 4.0
Ease of use: 3.5

★ 1.4 trustpilotRead review →

Nadapayments

ISO

B-

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 $35 a month for the terminal. That is the entire price list, on the website, with no sales call — which in this industry is close to unheard of. It sells hardest into dental and veterinary practices and reports processing over $1 billion a year. What holds it back is everything around the pricing: no BBB profile at all, three Trustpilot reviews and all of them hostile, no published address or founding year, and public pages that contradict each other about where surcharging is even lawful.

Pricing clarity: 4.5
Feature set: 2.5
Ease of use: 4.0

★ 2.8 trustpilotRead review →

Gravity Payments

ISO

B+

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 on its own website, and showing interchange and assessments at cost with its own markup as a separate line on the statement. Its formal complaint record is the cleanest of any provider we have reviewed at this size — one BBB complaint in three years against an A+ rating held since 2005. The two things to weigh against that are a markup that independent auditors have found higher than competing quotes, and a 2025 data breach at a third-party vendor that exposed Social Security numbers and banking details for 22,278 people and is now the subject of a proposed class action.

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

★ 4 trustpilotRead review →

Verifone

Platform / Acquirer

C+

The terminal company that became a payments company. Verifone has been making card-reading hardware since 1981 and is the device behind a very large share of the world's checkout counters, but the merchant-facing business it has assembled around that hardware — Verifone Payments acquiring, plus the 2Checkout platform it bought in 2020 — is a much weaker story. Its US BBB profile carries an F for failing to answer complaints, its own .com Trustpilot page sits at 1.5 out of 5, and no acquiring rate is published anywhere. The only prices Verifone publishes are 2Checkout's, and those are merchant-of-record rates for selling software, not merchant-account rates.

Pricing clarity: 2.5
Feature set: 4.0
Ease of use: 2.5

★ 1.5 trustpilotRead review →

Tilled

Payfac / Aggregator

B

A Boulder, Colorado company that sells payments infrastructure to software companies rather than merchant accounts to businesses. Tilled claims to have coined the term PayFac-as-a-Service: a software vendor gets the economics of being a payment facilitator — a share of the processing revenue on every transaction its customers make — without taking on the registration, underwriting and compliance burden of actually becoming one. It is one of the very few companies in this catalogue that publishes its own prices in public, which is the main reason it grades where it does.

Pricing clarity: 4.5
Feature set: 3.5
Ease of use: 4.0

Expert grade BRead review →

Priority Commerce

ISO

B-

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. Founded in Georgia in 2005 as Priority Payment Systems, it listed on NASDAQ as PRTH in 2018 and now reports 1.8 million customer accounts and over $150 billion of annual volume. It publishes no rates, no contract length and no termination fee, and its BBB complaint file — 37 in three years, 21 of them closed in the last twelve months — is dominated by billing that continued after merchants believed they had cancelled.

Pricing clarity: 1.5
Feature set: 4.0
Ease of use: 3.5

Expert grade B-Read review →

Fortis

Payfac / Aggregator

B-

An embedded-payments specialist that sells to software platforms first and merchants second. Fortis plugs card acceptance into ERP and business software — Acumatica, Microsoft Dynamics 365, NetSuite, QuickBooks, Sage — and is registered as both a payment facilitator and an ISO for several banks, including KeyBank and Fifth Third. It took a growth recapitalisation from Audax Private Equity alongside existing investor Lovell Minnick in March 2025. It publishes no pricing at all, and the third-party sources describing its contract terms flatly contradict each other, which is the single most important thing to know before you sign.

Pricing clarity: 1.5
Feature set: 4.0
Ease of use: 3.5

★ 3.6 trustpilotRead review →

DirectPayNet

Agent Office / Reseller

B-

A small high-risk merchant account brokerage aimed squarely at online sellers — supplements, coaching, subscriptions, dropshipping, digital products, high-ticket offers — that mainstream processors decline. It does not underwrite or process anything itself; it places you with acquiring banks and negotiates your terms, then works on the things that actually keep a high-risk account alive: chargeback prevention through Ethoca and Verifi, approval-rate optimisation, backup MIDs and reserve terms. Unusually for the sector, it publishes a genuine fee-range guide. Unusually badly, it publishes no corporate address and has no meaningful independent review record at all.

Pricing clarity: 3.0
Feature set: 3.5
Ease of use: 3.5

Expert grade B-Read review →

Rapyd

Platform / Acquirer

B-

A London-headquartered, Israeli-founded fintech-as-a-service platform that sells collection, payouts and multi-currency accounts through one API. Its 2025 purchase of PayU's Latin America and Africa business for $610 million gave it direct local acquiring in six Latin American countries plus Nigeria and South Africa — genuinely hard-to-reach markets. It is built for platforms and marketplaces rather than small merchants, publishes almost no acquiring pricing, and its public merchant reviews are poor.

Pricing clarity: 2.5
Feature set: 4.5
Ease of use: 3.0

★ 3 trustpilotRead review →

Paddle

Merchant of Record

B

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. It publishes one flat price — 5% + 50¢ — and in exchange becomes the legal seller of your product, taking on global sales tax and VAT registration, filing and liability. That is a real transfer of risk, and it is expensive: roughly double a card processor's rate, paid out once a month rather than daily.

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

★ 3.9 trustpilotRead review →

Merchant One

ISO

C+

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 middleman" claim. It publishes headline rates, which is rare for an ISO, but they are qualified-tier rates on a tiered plan, and its Trustpilot score of 4.9 and its BBB customer-review average of 1.02 across 56 reviews describe two different companies.

Pricing clarity: 2.0
Feature set: 3.0
Ease of use: 3.5

★ 4.9 trustpilotRead review →

Humboldt Merchant Services

ISO

B-

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. It holds a BBB A+ and has been accredited since 2011, with 15 complaints in the last three years — low for this segment, but not the near-empty file some reviews suggest, and almost all of them are about reserve funds being held. Three things to know: it publishes no pricing at all, it holds reserves that merchants say run into six figures, and it is now a North brand, so a quote from Humboldt and a quote from North American Bancard are not two independent quotes.

Pricing clarity: 1.5
Feature set: 4.0
Ease of use: 3.5

Expert grade B-Read review →

Heartland Payment Systems

Platform / Acquirer

B-

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 "Heartland Payment Systems is now Global Payments." It still sells under the Heartland name at heartland.us, still runs the Merchant Bill of Rights it invented, and still publishes no pricing. Signing today means signing with a brand that is being folded away around you.

Pricing clarity: 2.5
Feature set: 4.0
Ease of use: 3.5

Expert grade B-Read review →

Kurv (formerly Electronic Merchant Systems)

ISO

C+

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. The complaint record underneath it has not reset, and the catches are in the footnotes rather than the headline.

Online rate

2.90% + $0.25 online, quoted at the same rate as keyed.

★ 4.1 trustpilotRead review →

SpotOn

POS & Business Software

B-

A restaurant-first point-of-sale and payments platform founded in 2017, with published plan rates, next-morning funding and unusually well-regarded support. The catch is the contract: a two-year minimum on its headline plan, a mid-2026 rate increase applied to existing merchants, and cancellation terms it does not publish.

Payout

Next-morning funding, offered at no extra cost when the batch clears SpotOn's cut-off.

★ 4.5 trustpilotRead review →

SMB Global

Agent Office / Reseller

C+

A small Utah high-risk shop that places domestic and offshore merchant accounts for hard-to-approve verticals. Reviewers who have dealt with it speak well of it, but almost nothing about the company is verifiable from primary sources — no rates, no contract terms, no BBB profile, no About page and no independent reviews at all.

Pricing clarity: 1.0
Feature set: 3.0
Ease of use: 3.0

Expert grade C+Read review →

Segpay

Merchant of Record

B

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 merchants across the US, EU, UK and Australia. It publishes its settlement terms in detail and its rates not at all.

Pricing clarity: 1.5
Feature set: 4.0
Ease of use: 3.5

★ 3.1 trustpilotRead review →

PayJunction

ISO

B+

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. The reservation is pricing: its published numbers are all 'as low as', and third-party accounts of its monthly fee flatly contradict each other.

Pricing clarity: 2.5
Feature set: 4.0
Ease of use: 4.5

★ 4.9 trustpilotRead review →

Mollie

Payfac / Aggregator

B+

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. It publishes its full price list, which almost nobody at its scale does, and it is in the middle of absorbing GoCardless in a €1.05 billion deal. It processes for Europe and the UK only, and account freezes are the recurring complaint.

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

★ 4.4 trustpilotRead review →

pmtbox (formerly National Processing)

ISO

B-

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. The track record is real; the offering a small merchant would be buying today is much less clear than it was.

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

★ 1.9 trustpilotRead review →

Instabill

Agent Office / Reseller

C+

A small New Hampshire high-risk shop that places merchant accounts with domestic and offshore banks for verticals mainstream acquirers refuse. It charges no application fee and is candid about rolling reserves — but it publishes no rates, is not BBB-accredited or rated, and leaves almost no verifiable public trail.

Pricing clarity: 1.5
Feature set: 3.0
Ease of use: 3.0

★ 2.6 trustpilotRead review →

GoDaddy Payments

Payfac / Aggregator

B

GoDaddy's in-house processor, built on the Poynt technology it bought in 2020. Flat published rates, no monthly fee and next-business-day payouts make it a genuinely competitive small-business option — provided you are willing to run your commerce inside GoDaddy's ecosystem.

Payout

1–2 business days after close of day, which defaults to 5:00 PM Pacific

★ 1.06 bbbRead review →

GoCardless

Bank / A2A Payments

B

A bank-payments specialist built for recurring billing. GoCardless collects by ACH and other direct debit schemes rather than by card, with published, capped per-transaction pricing — but it processes no card payments at all, and merchant complaints about account freezes and slow support are persistent.

Pricing clarity: 4.5
Feature set: 3.0
Ease of use: 4.0

★ 2.3 trustpilotRead review →

CCBill

Merchant of Record

B-

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. It will underwrite what almost nobody else will — but it publishes no rates, and its contract terms deserve a careful read.

Pricing clarity: 1.5
Feature set: 4.0
Ease of use: 3.5

★ 1.5 trustpilotRead review →

Rainforest

Payfac / Aggregator

B

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 payments. Not a merchant account, and only four years old.

Payout

Rainforest advertises next-day funding; a standard payout is charged $0.20 per item

Expert grade BRead review →

Host Merchant Services

ISO

B+

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 4.6 on Trustpilot.

Online rate

Interchange plus 0.35% and $0.10 per transaction for e-commerce

Payout

Next-day funding, per the rates published for retail, restaurant and e-commerce accounts

Expert grade B+Read review →

BlueSnap

Platform / Acquirer

C+

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 payments for a known scam, and now owned by Payroc.

Pricing clarity: 2.5
Feature set: 4.5
Ease of use: 3.5

Expert grade C+Read review →

Finix

Payfac / Aggregator

B

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. Excellent economics above roughly $1m a year, wrong below it, and with a public track record still too thin to lean on.

Pricing clarity: 4.5
Feature set: 4.0
Ease of use: 3.5

Expert grade BRead review →

Easy Pay Direct

Agent Office / Reseller

B-

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 business. Its own marketing overstates its Trustpilot score, and its BBB rating is D- for unanswered complaints.

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

Expert grade B-Read review →

Dharma Merchant Services

ISO

A-

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. The catch is fit, not conduct: it declines high-risk verticals, is uneconomic below a few thousand dollars a month, and supports merchants only during business hours.

Pricing clarity: 5.0
Feature set: 3.0
Ease of use: 4.0

Expert grade A-Read review →

SumUp

Payfac / Aggregator

B+

A pay-as-you-go card reader and POS provider with flat published rates, no monthly fee and no contract. Strong for small and mobile sellers; the recurring complaint is account freezes and held funds with slow resolution.

Online rate

3.5% + 15 cents per transaction (also applies to manually keyed entry)

Payout

1–2 business days to a linked bank account

Expert grade B+Read review →

North (North American Bancard)

Platform / Acquirer

C+

One of the largest privately held US acquirers, rebranded from North American Bancard in 2024 — a rebrand that also reset its public review record. It publishes POS rates and says it does not require a long-term contract, but reviewers who have read its traditional merchant agreement report a three-year term with a liquidated-damages termination clause.

Online rate

Quoted per merchant — North's pricing page lists ecommerce as custom priced

Expert grade C+Read review →

eMerchantBroker

ISO

B

A long-established California high-risk specialist with an A+ BBB rating, accreditation since 2012 and an unusually light complaint record. The trade-offs are tiered, quote-only pricing at the expensive end of the market and multi-year contracts with early termination fees up to $595.

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

Expert grade BRead review →

Worldpay

Platform / Acquirer

C+

One of the largest acquirers in the world, bought by Global Payments in January 2026 and now being folded into that brand. Enormous reach, but small merchants still get a three-year contract, an auto-renewal clause and pricing that is never published.

Online rate

Interchange-plus, quoted per merchant; not published

Expert grade C+Read review →

Soar Payments

ISO

B

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.

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

Expert grade BRead review →

Airwallex

Payfac / Aggregator

B

A global business account and payment platform with published rates, no lock-in contract and unusually cheap FX. Strong for cross-border sellers; weaker as a plain domestic card processor, and not an option for high-risk merchants.

Online rate

2.80% + $0.30 for domestic cards (US pricing)

★ 2.9 trustpilotRead review →

Platform / Acquirer

C+

Pricing clarity: 1.0
Feature set: 5.0
Ease of use: 3.0

★ 2 trustpilotRead review →

C+

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 acceptance though it lags behind fintech competitors on pricing transparency, modern integrations, and third-party review scores.

Online rate

2.99% + .30

★ 1.14 bbbRead review →

Wells Fargo Merchant Services

Platform / Acquirer

C+

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.

Online rate

3.50% + $0.15 (drops to 3.30% + $0.15 at $80,000+ monthly volume)

Payout

1-3 business days

★ 1.09 bbbRead review →

Chase Payment Solutions and Merchant Services

Platform / Acquirer

B

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. They're backed by the trust and scale of JPMorgan Chase but with flat-rate fees that may not suit high-volume merchants.

Online rate

2.9% + $0.25 per transaction

Payout

Next business day for deposits to non-Chase bank accounts

★ 3.7 trustpilotRead review →

Toast POS

POS & Business Software

B

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 with restrictive multi-year contracts, mandatory payment processor lock-in, and a history of transparency controversies.

Payout

Next business day if batched by 9:30pm ET, else two

★ 1.23 bbbRead review →

WooPayments (Automattic)

Payfac / Aggregator

B

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 inconsistent customer support that undermine trust for serious merchants.

Online rate

2.9% + $0.30

★ 1 bbbRead review →

Fiserv (Carat)

Platform / Acquirer

B-

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 by opaque pricing, complex contracting, and a widespread customer service reputation that does not match its technological ambitions.

Payout

Typically next business day for enterprise clients; varies by contract

★ 1.01 bbbRead review →

Elavon

Platform / Acquirer

C-

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 small and mid-size merchants.

Online rate

Not publicly disclosed; quote-based

★ 1.18 bbbRead review →

B-

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.

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

★ 5 googleRead review →

High Risk Pay

Agent Office / Reseller

C

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 traditional payment processors.

Online rate

Starting around 2.19% + $0.25 for good-credit merchant accounts

Payout

Next business day (advertised)

★ 4.7 trustpilotRead review →

Paysafe

Platform / Acquirer

C-

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.

Online rate

Reviews mention a range from 1.00% - 4.99%

★ 1.02 bbbRead review →

EBizCharge

Gateway / Orchestration

B-

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 systems.

Pricing clarity: 3.0
Feature set: 5.0
Ease of use: 3.0

★ 4.18 bbbRead review →

Akurateco

Gateway / Orchestration

B+

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.

Pricing clarity: 2.0
Feature set: 5.0
Ease of use: 4.0

★ 4.3 trustpilotRead review →

Maverick Payments

ISO

B+

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 experiences.

Online rate

Typically 2.9% – 4.9% + $0.30, depending on risk and volume.

★ 1.36 bbbRead review →

Corepay

ISO

B

Corepay is a payment processor that specializes in tailored merchant accounts for high-risk industries with global service and a focus on customer support.

Payout

1-5 business days, depending on region and risk profile

★ 4.4 trustpilotRead review →

Payoneer

Payfac / Aggregator

B-

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.

Pricing clarity: 3.0
Feature set: 5.0
Ease of use: 4.0

★ 3.2 g2Read review →

Shopify Payments

Payfac / Aggregator

A-

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, simplifying setup and eliminating third-party gateway fees for supported merchants.

Payout

3 business days after the charge (US), plus 1–3 days for your bank to post it

★ 1.01 bbbRead review →

Clover

POS & Business Software

B

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 real-world variability in support and reseller pricing.

Pricing clarity: 3.0
Feature set: 5.0
Ease of use: 4.0

★ 1.01 bbbRead review →

Adyen

Platform / AcquirerClaimed

A-

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.

Online rate

$0.13 + Interchange+ + 0.60% (Visa/Mastercard/Maestro)

Payout

1-2 business days (varies by currency, bank, payout model, and cut-off times)

★ 1.3 trustpilotRead review →

PayPal

Payfac / Aggregator

A-

PayPal is a global, feature-rich digital payments platform (consumer wallet + merchant services) with extensive integrations and brand reach. It is trusted by many businesses but criticized in public reviews for dispute handling and account-hold practices.

Payout

1-3 business days (standard bank transfer)

★ 1.09 bbbRead review →

Braintree (PayPal Enterprise Payments)

Payfac / Aggregator

A-

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. Primarily deals in mobile and web payment systems.

Online rate

2.89% + $0.29 per transaction

Payout

Typically 1-2 business days after batch settlement (varies by acquiring bank)

★ 3.4 g2Read review →

Authorize.net

Gateway / Orchestration

A-

Authorize.Net is a mature, Visa-owned payment gateway that offers robust, developer-friendly payment tools, strong fraud controls, and wide platform integrations. Pricing and merchant-account terms that vary depending on whether you use Authorize.Net’s all-in-one plan or attach your own processor.

Pricing clarity: 3.0
Feature set: 5.0
Ease of use: 4.0

★ 1.62 bbbRead review →

NMI (Network Merchants Inc)

Gateway / Orchestration

B-

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 depending on the partner/acquirer relationship.

Online rate

Not publicly disclosed - varies by processor/ISO

★ 1 bbbRead review →

Zen Payments

Agent Office / ResellerClaimed

A-

Zen Payments is known for quick setup of merchant accounts and accepting businesses that mainstream providers turn away. Businesses should familiarize themselves with the terms of their contract to avoid disruptions.

Online rate

From 2.9% + $0.10, quoted rather than published.

Payout

About 1 business day.

★ 4.9 trustpilotRead review →

Payment Cloud

Agent Office / Reseller

B+

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 own platform, which is not the bank-agnostic brokerage the brand's reputation was built on.

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

★ 3.46 bbbRead review →

Stripe

Payfac / AggregatorClaimed

A

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.

Online rate

2.9% + $0.30

Payout

First payout 7-14 days; then a rolling schedule of about 2 business days

Expert grade ARead review →

Square

POS & Business Software

A

Square offers simple, transparent payment processing ideal for small businesses. Flat-rate pricing, no monthly fees, and excellent software make it a top choice — but account holds and limited support are key concerns.

Payout

Next business day

★ 1.05 bbbRead review →