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 |  WindcaveNo reviews |  Square4.5(4) |  Helcim4.5(4) |  Stax4.5(4) |
|---|---|---|---|---|
| Pricing | ||||
| Online card rate | Custom quote | 2.9% + $0.30 | Interchange + 0.50% + $0.25 | Interchange + $0.15 |
| In-person rate | Custom quote, with Windcave acting as acquirer in NZ, Australia, the UK, the US, Canada and Europe | 2.6% + $0.15 | Interchange + 0.40% + $0.08 | Interchange + $0.08 |
| Keyed-in rate | N/A | 3.5% + $0.15 | N/A | N/A |
| International | Not published. Windcave states that additional fees apply to international transactions | N/A | N/A | N/A |
| ACH / bank | N/A | 1% ($1 min) | 0.5% + $0.25 (cap $6) | 1% (cap $10) |
| Monthly fee | Custom quote | $0 | $0 | $99 |
| Setup fee | N/A | N/A | N/A | N/A |
| Monthly minimum | N/A | N/A | N/A | None |
| Chargeback fee | N/A | $0 | $15 | $25 |
| Pricing model | Flat rate, Interchange-plus, Custom quote | Flat rate | Interchange-plus | Subscription, Interchange-plus |
| Contract | Long-term | No contract | No contract | Month-to-month |
| Free trial | No | Yes | No | No |
| Payout time | Next day | Next day | Next day | 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 |
| PayPal | Yes | No | No | No |
| ACH | Yes | No | Yes | Yes |
| BNPL | Yes | No | No | No |
| Wallets | Yes | Yes | No | No |
| Integrations | ||||
| API | Yes | No | Yes | Yes |
| Hosted checkout | Yes | Yes | Yes | Yes |
| Payment links | Yes | Yes | Yes | No |
| Virtual terminal | Yes | Yes | Yes | Yes |
| POS hardware | Yes | Yes | Yes | Yes |
| Shopify | Yes | No | No | No |
| WooCommerce | Yes | Yes | No | No |
| Magento | Yes | No | No | No |
| Wix | No | Yes | No | No |
| Invoicing | No | Yes | Yes | Yes |
| Features | ||||
| Recurring billing | Yes | Yes | Yes | Yes |
| Multi-currency | Yes | No | No | No |
| Fraud protection | Yes | Yes | Yes | Yes |
| 3D Secure | Yes | No | No | No |
| Tokenization | Yes | No | No | No |
| Reporting dashboard | Yes | Yes | Yes | Yes |
| Tap to pay | No | Yes | Yes | Yes |
| No rolling reserve | No | No | Yes | No |
| Company | ||||
| Founded | 1999 | 2009 | 2006 | 2014 |
| Headquarters | Auckland, New Zealand | Oakland, CA, USA | Calgary, AB, Canada | Orlando, FL, USA |
| Company size | 251-1000 staff | 1000+ staff | 51-250 staff | 251-1000 staff |
| Regions | Global, US, CA, UK, EU | US, CA, UK, EU | US, CA | US |
| PCI level | Level 1 | Level 1 | 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 | Multiple (by region) | USD, CAD | USD |
| High-risk friendly | No | No | No | No |
| Get started | ||||
| Visit / profile | ||||