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 |  PolarNo reviews |  Authorize.net4.5(4) |
|---|---|---|
| Pricing | ||
| Online card rate | 5% + $0.50 on Starter | 2.9% + $0.30 |
| In-person rate | N/A | N/A |
| Keyed-in rate | N/A | 2.9% + $0.30 |
| International | An extra 1.5% on any card issued outside the United States | N/A |
| ACH / bank | N/A | 0.75% (eCheck) |
| Monthly fee | $0 to $400 by plan | $25 |
| Setup fee | $0 | $0 |
| Monthly minimum | None | N/A |
| Chargeback fee | $15 per dispute | $25 |
| Pricing model | Flat rate, Subscription | Flat rate, Subscription |
| Contract | Month-to-month | Month-to-month |
| Free trial | No | No |
| Payout time | Varies | Varies |
| Payment methods | ||
| Visa | Yes | Yes |
| Mastercard | Yes | Yes |
| Amex | Yes | Yes |
| Discover | Yes | Yes |
| Apple Pay | Yes | Yes |
| Google Pay | Yes | No |
| Wallets | Yes | Yes |
| ACH | No | Yes |
| Integrations | ||
| API | Yes | Yes |
| Hosted checkout | Yes | Yes |
| Drop-in UI | Yes | No |
| Payment links | Yes | No |
| Virtual terminal | No | Yes |
| WooCommerce | No | Yes |
| Invoicing | No | Yes |
| Features | ||
| Recurring billing | Yes | Yes |
| Multi-currency | Yes | No |
| Fraud protection | Yes | Yes |
| Developer-friendly | Yes | No |
| Tokenization | No | Yes |
| Reporting dashboard | No | Yes |
| Company | ||
| Founded | 2022 | 1996 |
| Headquarters | Stockholm, Sweden | Foster City, CA, USA |
| Company size | 1-50 staff | 251-1000 staff |
| Regions | US, CA, EU, UK, IN, Global | US, CA, UK, EU |
| PCI level | Level 1 | Level 1 |
| Currencies | Multi-currency orders are converted to USD at the rate at the time of the transaction, so settlement stays in USD | Multiple (via merchant account) |
| High-risk friendly | No | No |
| Get started | ||
| Visit / profile | ||