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 |  WindcaveNo reviews |  Fluid PayNo reviews |
|---|---|---|
| Pricing | ||
| Online card rate | Custom quote | No gateway markup |
| In-person rate | Custom quote, with Windcave acting as acquirer in NZ, Australia, the UK, the US, Canada and Europe | N/A |
| Keyed-in rate | N/A | N/A |
| International | Not published. Windcave states that additional fees apply to international transactions | N/A |
| ACH / bank | N/A | N/A |
| Monthly fee | Custom quote | Not published |
| Setup fee | N/A | One-time activation fee for white-label setup, quoted privately |
| Monthly minimum | N/A | N/A |
| Chargeback fee | N/A | N/A |
| Pricing model | Flat rate, Interchange-plus, Custom quote | Subscription, Custom quote |
| Contract | Long-term | Month-to-month |
| Free trial | No | No |
| Payout time | Next day | Varies |
| Payment methods | ||
| Visa | Yes | Yes |
| Mastercard | Yes | Yes |
| Amex | Yes | Yes |
| Discover | Yes | Yes |
| Apple Pay | Yes | Yes |
| Google Pay | Yes | Yes |
| PayPal | Yes | No |
| ACH | Yes | Yes |
| BNPL | Yes | No |
| Wallets | Yes | Yes |
| Integrations | ||
| API | Yes | Yes |
| Hosted checkout | Yes | Yes |
| Payment links | Yes | Yes |
| Virtual terminal | Yes | Yes |
| POS hardware | Yes | Yes |
| Shopify | Yes | No |
| WooCommerce | Yes | Yes |
| Magento | Yes | Yes |
| Drop-in UI | No | Yes |
| Invoicing | No | Yes |
| Features | ||
| Recurring billing | Yes | Yes |
| Multi-currency | Yes | No |
| Fraud protection | Yes | Yes |
| 3D Secure | Yes | No |
| Tokenization | Yes | Yes |
| Reporting dashboard | Yes | Yes |
| Developer-friendly | No | Yes |
| Company | ||
| Founded | 1999 | 2017 |
| Headquarters | Auckland, New Zealand | Franklin, TN, United States |
| Company size | 251-1000 staff | 1-50 staff |
| Regions | Global, US, CA, UK, EU | US |
| PCI level | Level 1 | Level 1 |
| Currencies | Multi-currency processing on Visa and Mastercard through supported acquirers, covering currencies including AUD, CAD, EUR, NZD, SGD and USD | Depends on the connected acquirer, with US dollar processing as the primary use case |
| High-risk friendly | No | No |
| Get started | ||
| Visit / profile | ||