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 |  ChargeOverNo reviews |  Fluid PayNo reviews |
|---|---|---|
| Pricing | ||
| Online card rate | Gateway rate, from 2.9% | No gateway markup |
| In-person rate | N/A | N/A |
| Keyed-in rate | N/A | N/A |
| International | N/A | N/A |
| ACH / bank | Set by your gateway. ACH is supported for recurring transactions | N/A |
| Monthly fee | From $229 per month | Not published |
| Setup fee | Not published. Free sandbox account before you go live | One-time activation fee for white-label setup, quoted privately |
| Monthly minimum | N/A | N/A |
| Chargeback fee | Charged by your gateway or acquiring bank, not by ChargeOver | N/A |
| Pricing model | Subscription, Custom quote | Subscription, Custom quote |
| Contract | Month-to-month | Month-to-month |
| Free trial | Yes | No |
| Payout time | Varies | Varies |
| Payment methods | ||
| Visa | Yes | Yes |
| Mastercard | Yes | Yes |
| Amex | Yes | Yes |
| Discover | Yes | Yes |
| PayPal | Yes | No |
| ACH | Yes | Yes |
| Apple Pay | No | Yes |
| Google Pay | No | Yes |
| Wallets | No | Yes |
| Integrations | ||
| API | Yes | Yes |
| Hosted checkout | Yes | Yes |
| Invoicing | Yes | Yes |
| Payment links | Yes | Yes |
| Drop-in UI | No | Yes |
| WooCommerce | No | Yes |
| Magento | No | Yes |
| Virtual terminal | No | Yes |
| POS hardware | No | Yes |
| Features | ||
| Recurring billing | Yes | Yes |
| Multi-currency | Yes | No |
| Reporting dashboard | Yes | Yes |
| Tokenization | Yes | Yes |
| Developer-friendly | Yes | Yes |
| Fraud protection | No | Yes |
| Company | ||
| Founded | 2011 | 2017 |
| Headquarters | Minneapolis, MN, United States | Franklin, TN, United States |
| Company size | 1-50 staff | 1-50 staff |
| Regions | US, CA, UK, EU, Global | US |
| PCI level | Level 1 | Level 1 |
| Currencies | Multiple currencies supported, and several can be used at once inside the same ChargeOver account | Depends on the connected acquirer, with US dollar processing as the primary use case |
| High-risk friendly | No | No |
| Get started | ||
| Visit / profile | ||