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 |  ToastNo reviews |  Square4.5(4) |  Merchant OneNo reviews |  WindcaveNo reviews |
|---|---|---|---|---|
| Pricing | ||||
| Online card rate | N/A | 2.9% + $0.30 | 0.29% to 1.99% qualified | Custom quote |
| In-person rate | 3.09% + $0.15 pay-as-you-go, 2.49% with upfront hardware | 2.6% + $0.15 | 0.29% to 1.55% qualified swiped rate | Custom quote, with Windcave acting as acquirer in NZ, Australia, the UK, the US, Canada and Europe |
| Keyed-in rate | N/A | 3.5% + $0.15 | 0.29% to 1.99% qualified rate | N/A |
| International | N/A | N/A | N/A | Not published. Windcave states that additional fees apply to international transactions |
| ACH / bank | N/A | 1% ($1 min) | N/A | N/A |
| Monthly fee | $0 Starter Kit, $69 Point of Sale | $0 | $13.95 | Custom quote |
| Setup fee | $0 self install, $250 guided install | N/A | $0 | N/A |
| Monthly minimum | N/A | N/A | N/A | N/A |
| Chargeback fee | $15 per chargeback, charged win or lose | $0 | N/A | N/A |
| Pricing model | Flat rate, Subscription, Custom quote | Flat rate | Tiered, Interchange-plus, Custom quote | Flat rate, Interchange-plus, Custom quote |
| Contract | Long-term | No contract | Long-term | Long-term |
| Free trial | No | Yes | No | No |
| Payout time | 2-day | Next day | Varies | Next day |
| Payment methods | ||||
| Visa | Yes | Yes | Yes | Yes |
| Mastercard | Yes | Yes | Yes | Yes |
| Amex | Yes | Yes | Yes | Yes |
| Discover | Yes | Yes | Yes | Yes |
| Apple Pay | Yes | Yes | Yes | Yes |
| Google Pay | Yes | Yes | Yes | Yes |
| Wallets | No | Yes | No | Yes |
| ACH | No | No | Yes | Yes |
| PayPal | No | No | No | Yes |
| BNPL | No | No | No | Yes |
| Integrations | ||||
| POS hardware | Yes | Yes | Yes | Yes |
| Hosted checkout | Yes | Yes | Yes | Yes |
| API | Yes | No | Yes | Yes |
| WooCommerce | No | Yes | No | Yes |
| Wix | No | Yes | No | No |
| Payment links | No | Yes | No | Yes |
| Invoicing | No | Yes | No | No |
| Virtual terminal | No | Yes | Yes | Yes |
| Shopify | No | No | No | Yes |
| Magento | No | No | No | Yes |
| Features | ||||
| Tap to pay | Yes | Yes | Yes | No |
| Fraud protection | Yes | Yes | No | Yes |
| Reporting dashboard | Yes | Yes | Yes | Yes |
| 24/7 support | Yes | No | Yes | No |
| Recurring billing | No | Yes | Yes | Yes |
| Tokenization | No | No | Yes | Yes |
| Multi-currency | No | No | No | Yes |
| 3D Secure | No | No | No | Yes |
| Company | ||||
| Founded | 2012 | 2009 | 2004 | 1999 |
| Headquarters | Boston, MA, United States | Oakland, CA, USA | Miami Beach, FL, United States | Auckland, New Zealand |
| Company size | 1000+ staff | 1000+ staff | 51-250 staff | 251-1000 staff |
| Regions | US, CA, UK, EU | US, CA, UK, EU | US | Global, US, CA, UK, EU |
| PCI level | Level 1 | Level 1 | Level 1 | Level 1 |
| Currencies | USD in the United States. Toast also runs locations in Canada, Ireland, the United Kingdom and Australia, and its US merchant agreement limits payment processing to the United States. | Multiple (by region) | USD, US merchants only | Multi-currency processing on Visa and Mastercard through supported acquirers, covering currencies including AUD, CAD, EUR, NZD, SGD and USD |
| High-risk friendly | No | No | No | No |
| Get started | ||||
| Visit / profile | ||||