Transparent interchange-plus pricing with automatic volume discounts.
Interchange + 0.50% + $0.25
online rate
$0
monthly fee
Next day
payout
Growing SMBs
Transparent pricing
Omnichannel
Payment processors with Tap to Pay
Tap to Pay turns a phone into a contactless card reader, so you can take in-person payments with no extra hardware. These processors support Tap to Pay on compatible iPhone or Android devices.
We may earn a commission if you sign up through our links. Premier and Verified are paid listing tiers and appear higher in the default sort. How we rank.
11 processors
Sort
All-in-one point of sale and payments for in-person businesses.
2.9% + $0.30
online rate
$0
monthly fee
Next day
payout
Retail
Restaurants
Small business
Subscription-style pricing that passes interchange straight through.
Interchange + $0.15
online rate
$99
monthly fee
Next day
payout
High volume
Predictable cost
Established businesses
Card readers and payments for over 4 million small businesses in 36 markets, with no monthly fees on the standard plan.
3.5% + $0.15 US, 2.5% UK
online rate
$0 standard
monthly fee
Next day
payout
Mobile and market sellers
Cafes and salons
Trades
+1
European payment service provider with published per-transaction pricing, deep local method coverage and no monthly fee for online payments.
1.8% + EUR 0.25
online rate
EUR 0 online
monthly fee
Varies
payout
European ecommerce
Small business
Marketplaces
+1
US merchant services provider offering paperless card and ACH processing on month-to-month terms with no cancellation fee.
From 1.49% + $0.15
online rate
None above $10k volume
monthly fee
2-day
payout
Healthcare practices
Auto repair shops
Professional services
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
+1
Restaurant and food retail Android POS and payment facilitator running about 180,000 locations, with a $0 plan that costs 3.09% + $0.15 a card sale.
N/A
online rate
$0 Starter Kit, $69 Point of Sale
monthly fee
2-day
payout
Full service restaurants
Quick service and cafes
Multi location restaurant groups
+1
Fiserv-owned POS sold direct and through banks and ISOs, at 2.6% + $0.10 in person on Starter and 2.3% + $0.10 on the Retail and Restaurant Growth plans.
3.5% + $0.10
online rate
$0 to $89.95 per software plan
monthly fee
Varies
payout
Counter-service restaurants
Retail shops
Appointment-based services
+1
U.S. Bank's merchant acquirer, with more than 2 million customers in the US, Europe and Canada and merchant processing in over 30 countries, on quoted pricing.
From 2.90% + $0.30 per qualified transaction
online rate
$10 small business fee, per CardFellow
monthly fee
2-day
payout
Hotels and restaurant groups
Multi-location retail
Airlines and travel
+1
Merchant One is a Miami Beach-based ISO that resells Wells Fargo merchant accounts with tiered pricing, Clover hardware and a $13.95 monthly fee.
0.29% to 1.99% qualified
online rate
$13.95
monthly fee
Varies
payout
Small business
Retail
Restaurants
Frequently asked questions
- Do I need a card reader for Tap to Pay?
- No. Tap to Pay uses the NFC chip already in a compatible phone, so customers tap their card or wallet directly on your device. Compare the processors here on their in-person rate and device support.
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