US merchant services provider that specializes in placing high-risk and hard-to-approve businesses with acquiring banks and gateways.
Custom quote
online rate
$5 to $25 reported
monthly fee
2-day
payout
High-risk merchants
CBD and hemp
Firearms
+1Best payment processors for WooCommerce
WooCommerce runs on WordPress, so the right processor is one with a well-maintained WooCommerce extension and clear pricing. These processors plug into WooCommerce to accept cards, wallets, and (with some) alternative payment methods.
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US payment gateway built for B2B and B2G sellers, with automated Level 2 and Level 3 data to cut interchange on commercial cards.
Custom quote
online rate
Roughly $15 to $75
monthly fee
Next day
payout
B2B sellers
Wholesale
Level 3 processing
+1
Merchant of record for SaaS, AI and digital products. It becomes the legal seller on every order and handles the VAT, GST and sales tax that follow.
4% + $0.40 in the US
online rate
$0 per month
monthly fee
Varies
payout
SaaS and AI products
Indie developers
Global tax compliance
+1
Texas high-risk provider that returns a price the moment you finish the online form, across more than 50 regulated verticals. US businesses only.
Custom quote
online rate
Custom quote
monthly fee
Varies
payout
US high-risk merchants
Fast approvals
Continuity billing
+1
New Zealand-based omnichannel processor and acquirer covering online, in-store and unattended payments in more than 40 countries.
Custom quote
online rate
Custom quote
monthly fee
Next day
payout
Omnichannel retail
Unattended payments
Enterprise
+1
Chicago ISO selling interchange-plus card processing, a branded gateway and its own Waves POS system. Sponsored into the card networks by Westamerica Bank.
Custom quote
online rate
Custom quote
monthly fee
2-day
payout
Retail stores
Restaurants
Hotels and hospitality
+1
Stax-owned US merchant account provider that dropped the flat membership fee it was built on. Pricing is now interchange-plus, quoted account by account.
Custom quote
online rate
Custom quote
monthly fee
Varies
payout
Small Business
Retail Storefronts
Ecommerce
+1
Payroc-owned New Jersey ISO selling a proprietary gateway to B2B and large-ticket merchants. No rates published, and the contract runs three years.
Custom quote
online rate
Custom quote
monthly fee
Varies
payout
B2B Invoicing
Large Ticket Merchants
Level III Processing
+1Frequently asked questions
- What is the cheapest processor for WooCommerce?
- The cheapest option is usually an interchange-plus processor once you have steady volume, because you pay the true card cost plus a fixed markup. Compare the WooCommerce-ready processors here to see effective rates side by side.
- Is there a free WooCommerce payment plugin?
- Most major processors offer their WooCommerce extension for free and make money on transaction fees rather than a plugin licence. Always check for monthly gateway or platform fees on top of the per-transaction rate.
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