Compare processors
Put up to 4 payment processors side by side and weigh pricing, capabilities, and company facts at a glance.
Comparing 2 of 4.
| Compare |  Authorize.net4.5(4) |  Square4.5(4) |
|---|---|---|
| Pricing | ||
| Online card rate | 2.9% + $0.30 | 2.9% + $0.30 |
| In-person rate | — | 2.6% + $0.15 |
| Keyed-in rate | 2.9% + $0.30 | 3.5% + $0.15 |
| International | — | — |
| ACH / bank | 0.75% (eCheck) | 1% ($1 min) |
| Monthly fee | $25 | $0 |
| Setup fee | $0 | — |
| Monthly minimum | — | — |
| Chargeback fee | $25 | $0 |
| Pricing model | Flat rate, Subscription | Flat rate |
| Contract | Month-to-month | No contract |
| Free trial | No | Yes |
| Payout time | Varies | Next day |
| Payment methods | ||
| Visa | Yes | Yes |
| Mastercard | Yes | Yes |
| Amex | Yes | Yes |
| Discover | Yes | Yes |
| Apple Pay | Yes | Yes |
| ACH | Yes | No |
| Wallets | Yes | Yes |
| Google Pay | No | Yes |
| Integrations | ||
| API | Yes | No |
| Hosted checkout | Yes | Yes |
| Virtual terminal | Yes | Yes |
| WooCommerce | Yes | Yes |
| Invoicing | Yes | Yes |
| POS hardware | No | Yes |
| Wix | No | Yes |
| Payment links | No | Yes |
| Features | ||
| Recurring billing | Yes | Yes |
| Fraud protection | Yes | Yes |
| Tokenization | Yes | No |
| Reporting dashboard | Yes | Yes |
| Tap to pay | No | Yes |
| Company | ||
| Founded | 1996 | 2009 |
| Headquarters | Foster City, CA, USA | Oakland, CA, USA |
| Company size | 251-1000 staff | 1000+ staff |
| Regions | US, CA, UK, EU | US, CA, UK, EU |
| PCI level | Level 1 | Level 1 |
| Currencies | Multiple (via merchant account) | Multiple (by region) |
| High-risk friendly | No | No |
| Get started | ||
| Visit / profile | ||