Payment processors with invoicing

Built-in invoicing turns your processor into a lightweight billing tool: send a branded invoice, let customers pay by card or bank transfer, and track what's outstanding. These processors include invoicing without a separate subscription.

36 processors

Orb logo
No reviews

Usage-based billing for AI and infrastructure companies. It meters events and issues invoices on top of your existing gateway. Adyen bought it in 2026.

Custom quote

online rate

Custom quote

monthly fee

Varies

payout

AI and inference billing
Usage-based pricing
Developer tools
+1
BlueSnap logo
No reviews

Global payment orchestration with local acquiring in 50 countries, published regional fee schedules and intelligent routing with failover.

2.9% + $0.30

online rate

$0 above $5,000 sales

monthly fee

2-day

payout

Multi-region ecommerce
B2B and AR automation
Platforms and marketplaces
+1
Authorize.net logo
No reviews

A long-established payment gateway for online and MOTO payments.

2.9% + $0.30

online rate

$25

monthly fee

Varies

payout

Traditional businesses
MOTO
Virtual terminal
Maxio logo
No reviews

A B2B SaaS billing and revenue operations platform that adds subscription management and ASC 606 revenue recognition on top of your existing payment gateway.

Interchange-plus

online rate

$599 on Grow

monthly fee

Varies

payout

B2B SaaS
Usage-based billing
Revenue recognition
PayTrace logo
No reviews

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
Dodo Payments logo
No reviews

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
Payment Depot logo
No reviews

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
+1
Clover logo
No reviews

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
Elavon logo
No reviews

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
FinCobra logo
No reviews

Non-custodial crypto checkout that settles BTC, USDT and USDC straight to wallets you control, free to $1,000 then a flat 0.5%.

No card payments

online rate

$0, WooCommerce plugin is $99 a year

monthly fee

Instant

payout

Crypto-native SaaS
Direct-to-wallet settlement
Stablecoin invoicing
+1
Billsby logo
No reviews

UK subscription billing platform that charged a base monthly fee plus a small percentage of billed revenue above a free allowance.

Set by your gateway

online rate

$35 to $45 reported

monthly fee

Varies

payout

Small Subscription Businesses
Hosted Checkout
Low Monthly Billings

Frequently asked questions

Can I send invoices and take card payments in one place?
Yes. The processors listed here include invoicing, so you can issue an invoice and collect payment through the same account instead of bolting on a separate billing product.

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