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 |  PayTraceNo reviews |  Stripe4.5(4) Sponsored |  PayPal4.5(4) |  Adyen4.5(4) |
|---|---|---|---|---|
| Pricing | ||||
| Online card rate | Custom quote | 2.9% + $0.30 | 2.99% + $0.49 | Interchange + 0.60% + $0.13 |
| In-person rate | N/A | 2.7% + $0.05 | 2.29% + $0.09 | Interchange + 0.60% + $0.13 |
| Keyed-in rate | Custom quote, with Level 2 and Level 3 qualification applied automatically where the data is present | 3.4% + $0.30 | 3.49% + $0.09 | N/A |
| International | N/A | +1.5% | +1.5% | Varies by method |
| ACH / bank | Custom quote through Trace ACH, plus a $25 handling fee for each rejected ACH debit | 0.8% (cap $5) | 0.8% (cap $5) | $0.27 + $0.13 |
| Monthly fee | Roughly $15 to $75 | $0 | $0 | $0 |
| Setup fee | Varies by reseller | N/A | N/A | N/A |
| Monthly minimum | Varies | N/A | N/A | $120 invoice minimum |
| Chargeback fee | N/A | $15 | $20 | $15 |
| Pricing model | Interchange-plus, Subscription, Custom quote | Flat rate, Custom quote | Flat rate | Interchange-plus |
| Contract | Month-to-month | No contract | No contract | Annual |
| Free trial | No | No | No | No |
| Payout time | Next day | 2-day | Instant | T+2 |
| Payment methods | ||||
| Visa | Yes | Yes | Yes | Yes |
| Mastercard | Yes | Yes | Yes | Yes |
| Amex | Yes | Yes | Yes | Yes |
| Discover | Yes | Yes | Yes | No |
| ACH | Yes | Yes | No | Yes |
| Apple Pay | No | Yes | No | Yes |
| Google Pay | No | Yes | No | Yes |
| SEPA | No | Yes | No | Yes |
| BNPL | No | Yes | Yes | Yes |
| Wallets | No | Yes | Yes | Yes |
| PayPal | No | No | Yes | No |
| Integrations | ||||
| API | Yes | Yes | No | Yes |
| Hosted checkout | Yes | Yes | Yes | Yes |
| Virtual terminal | Yes | No | No | Yes |
| Payment links | Yes | Yes | Yes | No |
| Invoicing | Yes | Yes | Yes | No |
| WooCommerce | Yes | Yes | Yes | No |
| Magento | Yes | No | No | No |
| Drop-in UI | No | Yes | No | Yes |
| Shopify | No | Yes | Yes | No |
| Mobile SDK | No | Yes | No | Yes |
| BigCommerce | No | No | Yes | No |
| POS hardware | No | No | No | Yes |
| Features | ||||
| Recurring billing | Yes | Yes | Yes | No |
| Fraud protection | Yes | Yes | Yes | Yes |
| Tokenization | Yes | Yes | No | Yes |
| Reporting dashboard | Yes | Yes | Yes | Yes |
| Developer-friendly | Yes | Yes | No | Yes |
| Multi-currency | No | Yes | No | Yes |
| 3D Secure | No | Yes | No | Yes |
| Marketplace split | No | Yes | No | No |
| Chargeback protection | No | No | Yes | No |
| Company | ||||
| Founded | 2004 | 2010 | 1998 | 2006 |
| Headquarters | Spokane, WA, United States | San Francisco, CA, USA | San Jose, CA, USA | Amsterdam, Netherlands |
| Company size | 51-250 staff | 1000+ staff | 1000+ staff | 1000+ staff |
| Regions | US | US, CA, EU, UK, Global | US, CA, EU, UK, Global | EU, UK, US, Global |
| PCI level | Level 1 | Level 1 | Level 1 | Level 1 |
| Currencies | USD for US merchants | 135+ currencies | 100+ currencies | 150+ currencies |
| High-risk friendly | No | No | No | No |
| Get started | ||||
| Visit / profile | ||||