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 |  PayU4.5(4) |  Authorize.net4.5(4) |  PayPal4.5(4) |
|---|---|---|---|---|
| Pricing | ||||
| Online card rate | No card payments | 2% to 3% (by market) | 2.9% + $0.30 | 2.99% + $0.49 |
| In-person rate | N/A | N/A | N/A | 2.29% + $0.09 |
| Keyed-in rate | N/A | N/A | 2.9% + $0.30 | 3.49% + $0.09 |
| International | 0.5% worldwide, no cross-border surcharge | Varies by market | N/A | +1.5% |
| ACH / bank | N/A | N/A | 0.75% (eCheck) | 0.8% (cap $5) |
| Monthly fee | $0, WooCommerce plugin is $99 a year | Varies | $25 | $0 |
| Setup fee | $0 | N/A | $0 | N/A |
| Monthly minimum | None | N/A | N/A | N/A |
| Chargeback fee | None, on-chain payments cannot be reversed | N/A | $25 | $20 |
| Pricing model | Flat rate, Subscription | Custom quote, Flat rate | Flat rate, Subscription | Flat rate |
| Contract | No contract | Annual | Month-to-month | No contract |
| Free trial | Yes | No | No | No |
| Payout time | Instant | Varies | Varies | Instant |
| Payment methods | ||||
| Crypto | Yes | No | No | No |
| Visa | No | Yes | Yes | Yes |
| Mastercard | No | Yes | Yes | Yes |
| Amex | No | Yes | Yes | Yes |
| UPI | No | Yes | No | No |
| Netbanking | No | Yes | No | No |
| Wallets | No | Yes | Yes | Yes |
| BNPL | No | Yes | No | Yes |
| Discover | No | No | Yes | Yes |
| Apple Pay | No | No | Yes | No |
| ACH | No | No | Yes | No |
| PayPal | No | No | No | Yes |
| Integrations | ||||
| API | Yes | Yes | Yes | No |
| Hosted checkout | Yes | Yes | Yes | Yes |
| Payment links | Yes | Yes | No | Yes |
| Invoicing | Yes | No | Yes | Yes |
| WooCommerce | Yes | No | Yes | Yes |
| Drop-in UI | No | Yes | No | No |
| Mobile SDK | No | Yes | No | No |
| Virtual terminal | No | No | Yes | No |
| Shopify | No | No | No | Yes |
| BigCommerce | No | No | No | Yes |
| Features | ||||
| Multi-currency | Yes | Yes | No | No |
| Reporting dashboard | Yes | No | Yes | Yes |
| No rolling reserve | Yes | No | No | No |
| Developer-friendly | Yes | No | No | No |
| Fraud protection | No | Yes | Yes | Yes |
| 3D Secure | No | Yes | No | No |
| Chargeback protection | No | Yes | No | Yes |
| Recurring billing | No | No | Yes | Yes |
| Tokenization | No | No | Yes | No |
| Company | ||||
| Founded | 2026 | 2002 | 1996 | 1998 |
| Headquarters | N/A | Hoofddorp, Netherlands | Foster City, CA, USA | San Jose, CA, USA |
| Company size | 1-50 staff | 1000+ staff | 251-1000 staff | 1000+ staff |
| Regions | Global | IN, EU, Global | US, CA, UK, EU | 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 | Local currencies across 50+ markets | Multiple (via merchant account) | 100+ currencies |
| High-risk friendly | No | Yes | No | No |
| Get started | ||||
| Visit / profile | ||||