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 |  PaymentCloudNo reviews |
|---|---|---|
| Pricing | ||
| Online card rate | Custom quote | Custom quote |
| In-person rate | Custom quote, with Windcave acting as acquirer in NZ, Australia, the UK, the US, Canada and Europe | Custom quote. Reviewers report about 2% + $0.25 for low-risk accounts |
| 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 | Custom quote |
| Monthly fee | Custom quote | $5 to $25 reported |
| Setup fee | N/A | $0 |
| Monthly minimum | N/A | N/A |
| Chargeback fee | N/A | N/A |
| Pricing model | Flat rate, Interchange-plus, Custom quote | Custom quote, Flat rate, Tiered, Interchange-plus |
| Contract | Long-term | Long-term |
| Free trial | No | No |
| Payout time | Next day | 2-day |
| 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 |
| Crypto | No | Yes |
| Integrations | ||
| API | Yes | Yes |
| Hosted checkout | Yes | Yes |
| Payment links | Yes | No |
| Virtual terminal | Yes | Yes |
| POS hardware | Yes | Yes |
| Shopify | Yes | Yes |
| WooCommerce | Yes | Yes |
| Magento | Yes | Yes |
| BigCommerce | 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 |
| Chargeback protection | No | Yes |
| Tap to pay | No | Yes |
| Company | ||
| Founded | 1999 | 2015 |
| Headquarters | Auckland, New Zealand | Encino, CA, United States |
| Company size | 251-1000 staff | 51-250 staff |
| Regions | Global, US, CA, UK, EU | US, CA, EU |
| 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 | Mainly USD, with accounts available to US, Canadian and European merchants |
| High-risk friendly | No | Yes |
| Get started | ||
| Visit / profile | ||