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Payment Processor Guide.

An independent directory and review platform for payment processors.

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© Payment Processor Guide. An independent directory. Fees and terms change often, so confirm the current rate with each provider before you sign.
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Payment processors

Compare 52 payment processor on fees, payment methods, integrations, and verified merchant reviews.

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Online card rate

Monthly fee

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52 processors

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Stripe logo

Stripe

Verified
Sponsored
4.5(4)Read reviews

Developer-first payments infrastructure for internet businesses.

2.9% + $0.30

online rate

$0

monthly fee

2-day

payout

Developers
SaaS
Marketplaces
Visit websiteView profile
Rated 4.5 out of 5 from 4 reviews.
Razorpay logo

Razorpay

Verified
Sponsored
4.5(4)Read reviews

India's developer-friendly payments and business banking suite.

2%

online rate

₹0

monthly fee

T+2

payout

India
Developers
UPI
Visit websiteView profile
Rated 4.5 out of 5 from 4 reviews.
Adyen logo

Adyen

Verified
4.5(4)Read reviews

Enterprise-grade global payments on a single platform.

Interchange + 0.60% + $0.13

online rate

$0

monthly fee

T+2

payout

Enterprise
Global
Omnichannel
Visit websiteView profile
Rated 4.5 out of 5 from 4 reviews.
Helcim logo

Helcim

Verified
4.5(4)Read reviews

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
Visit websiteView profile
Rated 4.5 out of 5 from 4 reviews.
Square logo

Square

Verified
4.5(4)Read reviews

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
Visit websiteView profile
Rated 4.5 out of 5 from 4 reviews.
Braintree logo

Braintree

Verified
4.5(4)Read reviews

A PayPal company offering developer-friendly online payments.

2.89% + $0.29

online rate

$0

monthly fee

2-day

payout

Developers
SaaS
PayPal users
Visit websiteView profile
Rated 4.5 out of 5 from 4 reviews.
Stax logo

Stax

4.5(4)Read reviews

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
Visit websiteView profile
Rated 4.5 out of 5 from 4 reviews.
PayPal logo

PayPal

4.5(4)Read reviews

The widely recognised wallet and checkout button merchants trust.

2.99% + $0.49

online rate

$0

monthly fee

Instant

payout

Small business
Cross-border
Quick setup
Visit websiteView profile
Rated 4.5 out of 5 from 4 reviews.
PayU logo

PayU

4.5(4)Read reviews

Emerging-market payments across more than 50 markets and local methods.

2% to 3% (by market)

online rate

Varies

monthly fee

Varies

payout

Emerging markets
Cross-border
High-risk
Visit websiteView profile
Rated 4.5 out of 5 from 4 reviews.
Authorize.net logo

Authorize.net

4.5(4)Read 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
Visit websiteView profile
Rated 4.5 out of 5 from 4 reviews.
RevenueCat logo

RevenueCat

No reviews

In-app subscription infrastructure for mobile and web apps.

1% of tracked revenue

online rate

$0

monthly fee

Varies

payout

Mobile apps
Subscription apps
Developers
Visit websiteView profile
Dharma Merchant Services logo

Dharma Merchant Services

No reviews

Publishes its exact interchange-plus markup by industry rather than quoting it, and prices nonprofits lower still.

IC + 0.20% + $0.11

online rate

$20, $15 nonprofit

monthly fee

Varies

payout

Nonprofits
Small Business
Retail Storefronts
+1
Visit websiteView profile
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Looking for alternatives?

Every processor in the directory has a guide to the options merchants switch to, and why.

  • Adyen alternatives
  • Airwallex alternatives
  • Authorize.net alternatives
  • Banquest Payment Systems alternatives
  • Billsby alternatives
  • BitPay alternatives
  • BlueSnap alternatives
  • Braintree alternatives
  • CSG Forte alternatives
  • ChargeOver alternatives
  • Chargebee alternatives
  • Checkout.com alternatives
  • Corepay alternatives
  • Dharma Merchant Services alternatives
  • Dodo Payments alternatives
  • Durango Merchant Services alternatives
  • EBANX alternatives
  • Easebuzz alternatives
  • Easy Pay Direct alternatives
  • Fluid Pay alternatives
  • GoCardless alternatives
  • Helcim alternatives
  • Invoiced alternatives
  • MYR POS alternatives
  • Maxio alternatives
  • Merchant One alternatives
  • Metronome alternatives
  • Midtrans alternatives
  • Mollie alternatives
  • NMI alternatives
  • NOWPayments alternatives
  • Orb alternatives
  • Paddle alternatives
  • PayJunction alternatives
  • PayPal alternatives
  • PayTrace alternatives
  • PayU alternatives
  • Payment Depot alternatives
  • PaymentCloud alternatives
  • Paystack alternatives
  • Polar alternatives
  • Razorpay alternatives
  • RevenueCat alternatives
  • Soar Payments alternatives
  • Solidgate alternatives
  • Square alternatives
  • Stax alternatives
  • Stripe alternatives
  • SumUp alternatives
  • Tidal Commerce alternatives
  • Windcave alternatives
  • Worldpay alternatives

Frequently asked questions

What are the best online payment processing companies for a small store?
It depends on volume and platform, but flat-rate providers with no monthly fee are usually the easiest starting point for a new online store.
How do online payment processing companies charge fees?
Most charge a percentage plus a fixed amount per transaction, and some add a monthly fee, gateway fee, or minimum processing volume.
Can I switch payment processing companies without downtime?
In most cases yes, especially with hosted checkout or API-based integrations, though you'll want to run both in parallel briefly before fully switching.