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Payment Processor Guide.

An independent directory and review platform for payment processors.

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  • E-commerce 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 58 payment processor on fees, payment methods, integrations, and verified merchant reviews.

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Pricing model

Online card rate

Monthly fee

Payment methods

Integrations

Features

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58 processors

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EBANX logo

EBANX

No reviews

A cross-border payment platform that connects global merchants to local payment methods across Latin America, Africa and Asia.

Custom quote

online rate

Not published

monthly fee

Varies

payout

LatAm expansion
Streaming and SaaS
Cross-border ecommerce
Visit websiteView profile
Fluid Pay logo

Fluid Pay

No reviews

A partner-only white-label payment gateway for ISOs, agents and software platforms that has never boarded a merchant directly.

No gateway markup

online rate

Not published

monthly fee

Varies

payout

ISOs and agents
Software platforms
White-label resellers
Visit websiteView profile
Invoiced logo

Invoiced

No reviews

Accounts receivable automation platform, now owned by Flywire, that runs invoicing, collections and cash application on top of your existing payment rails.

Set by your gateway

online rate

Custom quote

monthly fee

Varies

payout

Mid-market B2B
Finance teams
Recurring billing
Visit websiteView profile
NOWPayments logo

NOWPayments

No reviews

NOWPayments is a non-custodial crypto payment gateway that settles 350-plus cryptocurrencies straight to your own wallet for a 0.5% service fee.

0.5% service fee

online rate

$0

monthly fee

Instant

payout

Crypto-native merchants
Online stores
Donations
Visit websiteView profile
Easy Pay Direct logo

Easy Pay Direct

No reviews

Austin merchant account provider that splits one merchant's volume across several MIDs, built for high-risk and direct-response sellers.

2.69% + $0.36

online rate

Typically $25

monthly fee

Varies

payout

High-risk merchants
Direct response marketers
Coaching and info products
+1
Visit websiteView profile
ChargeOver logo

ChargeOver

No reviews

Minneapolis recurring billing and invoicing platform that meters on customer count instead of taking a share of the revenue it bills.

Gateway rate, from 2.9%

online rate

From $229 per month

monthly fee

Varies

payout

B2B Subscriptions
Recurring Invoicing
QuickBooks Users
Visit websiteView profile
CSG Forte logo

CSG Forte

No reviews

ACH-first payment processor owned by CSG, built for utility, government, healthcare and property management billing rather than card-led retail.

Reported 2.9% + $0.31

online rate

Reported $2.50 gateway

monthly fee

Varies

payout

ACH and eCheck billing
Government and utilities
Property management
+1
Visit websiteView profile
Easebuzz logo

Easebuzz

No reviews

RBI-licensed Indian payment aggregator for online, offline and cross-border collections, with payouts and reconciliation on the same platform.

Around 1.5% average

online rate

INR 0 per month

monthly fee

Next day

payout

Indian businesses
Education fee collection
Subscriptions
+1
Visit websiteView profile
Durango Merchant Services logo

Durango Merchant Services

No reviews

Long-running Colorado high-risk ISO that places domestic, international and offshore merchant accounts, with month-to-month terms for most merchants.

Custom quote

online rate

Custom quote

monthly fee

Varies

payout

Offshore merchants
High-risk ecommerce
Multi-currency sellers
+1
Visit websiteView profile
Polar logo

Polar

No reviews

Merchant of record for developers that sells your product under its own name, handles sales tax and VAT liability, and pays you out through Stripe Connect.

5% + $0.50 on Starter

online rate

$0 to $400 by plan

monthly fee

Varies

payout

Indie developers
Digital products
AI and SaaS startups
+1
Visit websiteView profile
MYR POS logo

MYR POS

No reviews

Cloud iPad point of sale for quick-service restaurants. MYR runs the ordering and the terminal integration. A partner processor sets the card rates.

Set by your processor

online rate

$80 to $150 per month

monthly fee

Varies

payout

Quick-service restaurants
Coffee shops and bubble tea
Takeaway and drive-thru
+1
Visit websiteView profile
BitPay logo

BitPay

No reviews

Longest-running major crypto payment processor: accept 100+ cryptocurrencies, settle in fiat daily, with no chargebacks.

No card payments

online rate

None

monthly fee

2-day

payout

Crypto checkout
International sales
High-ticket goods
+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
  • Clover alternatives
  • Corepay alternatives
  • Dharma Merchant Services alternatives
  • Dodo Payments alternatives
  • Durango Merchant Services alternatives
  • EBANX alternatives
  • Easebuzz alternatives
  • Easy Pay Direct alternatives
  • Elavon alternatives
  • FinCobra alternatives
  • Fluid Pay alternatives
  • GoCardless alternatives
  • Helcim alternatives
  • Invoiced alternatives
  • Lemon Squeezy 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
  • Recurly alternatives
  • RevenueCat alternatives
  • Soar Payments alternatives
  • Solidgate alternatives
  • Square alternatives
  • Stax alternatives
  • Stripe alternatives
  • SumUp alternatives
  • Tidal Commerce alternatives
  • Toast 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.