Compare processors
Put up to 4 payment processors side by side and weigh pricing, capabilities, and company facts at a glance.
Comparing 4 of 4.
| Compare |  FinCobraNo reviews |  PayPal4.5(4) |  Braintree4.5(4) |  Stripe4.5(4) Sponsored |
|---|---|---|---|---|
| Pricing | ||||
| Online card rate | No card payments | 2.99% + $0.49 | 2.89% + $0.29 | 2.9% + $0.30 |
| In-person rate | N/A | 2.29% + $0.09 | N/A | 2.7% + $0.05 |
| Keyed-in rate | N/A | 3.49% + $0.09 | N/A | 3.4% + $0.30 |
| International | 0.5% worldwide, no cross-border surcharge | +1.5% | +1% (currency) +1% (non-US card) | +1.5% |
| ACH / bank | N/A | 0.8% (cap $5) | 0.75% (cap $5) | 0.8% (cap $5) |
| Monthly fee | $0, WooCommerce plugin is $99 a year | $0 | $0 | $0 |
| Setup fee | $0 | N/A | N/A | N/A |
| Monthly minimum | None | N/A | N/A | N/A |
| Chargeback fee | None, on-chain payments cannot be reversed | $20 | $15 | $15 |
| Pricing model | Flat rate, Subscription | Flat rate | Flat rate | Flat rate, Custom quote |
| Contract | No contract | No contract | No contract | No contract |
| Free trial | Yes | No | No | No |
| Payout time | Instant | Instant | 2-day | 2-day |
| Payment methods | ||||
| Crypto | Yes | No | No | No |
| Visa | No | Yes | Yes | Yes |
| Mastercard | No | Yes | Yes | Yes |
| Amex | No | Yes | Yes | Yes |
| Discover | No | Yes | Yes | Yes |
| PayPal | No | Yes | Yes | No |
| BNPL | No | Yes | No | Yes |
| Wallets | No | Yes | Yes | Yes |
| Apple Pay | No | No | Yes | Yes |
| Google Pay | No | No | Yes | Yes |
| ACH | No | No | Yes | Yes |
| SEPA | No | No | No | Yes |
| Integrations | ||||
| API | Yes | No | Yes | Yes |
| Hosted checkout | Yes | Yes | No | Yes |
| Payment links | Yes | Yes | Yes | Yes |
| Invoicing | Yes | Yes | No | Yes |
| WooCommerce | Yes | Yes | Yes | Yes |
| Shopify | No | Yes | No | Yes |
| BigCommerce | No | Yes | No | No |
| Drop-in UI | No | No | Yes | Yes |
| Mobile SDK | No | No | Yes | Yes |
| Features | ||||
| Multi-currency | Yes | No | Yes | Yes |
| Reporting dashboard | Yes | Yes | No | Yes |
| No rolling reserve | Yes | No | No | No |
| Developer-friendly | Yes | No | Yes | Yes |
| Fraud protection | No | Yes | Yes | Yes |
| Chargeback protection | No | Yes | No | No |
| Recurring billing | No | Yes | Yes | Yes |
| 3D Secure | No | No | Yes | Yes |
| Tokenization | No | No | Yes | Yes |
| Marketplace split | No | No | No | Yes |
| Company | ||||
| Founded | 2026 | 1998 | 2007 | 2010 |
| Headquarters | N/A | San Jose, CA, USA | Chicago, IL, USA | San Francisco, CA, USA |
| Company size | 1-50 staff | 1000+ staff | 251-1000 staff | 1000+ staff |
| Regions | Global | US, CA, EU, UK, Global | US, CA, EU, UK, Global | US, CA, EU, UK, Global |
| PCI level | N/A | Level 1 | Level 1 | Level 1 |
| Currencies | BTC, plus USDT and USDC on Ethereum and Solana and USDC on Arbitrum One and Base. Invoices are priced and billed in USD | 100+ currencies | 130+ currencies | 135+ currencies |
| High-risk friendly | No | No | No | No |
| Get started | ||||
| Visit / profile | ||||