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
Payment processors
Compare 58 payment processor on fees, payment methods, integrations, and verified merchant reviews.
58 processors
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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
Global enterprise acquirer processing 55 billion transactions a year across 174 countries, now owned by Global Payments.
Custom quote
online rate
Negotiated
monthly fee
Next day
payout
Enterprise acquiring
Multi-country retailers
Platforms and PayFacs
+1+1
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+1
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
A Florida-based high-risk merchant account provider that places specialty businesses with acquiring banks in the US, UK, EU, Canada and Australia.
Custom quote
online rate
None advertised
monthly fee
Next day
payout
High-risk ecommerce
CBD and supplements
Telehealth
+1+1
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
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
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
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
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
+1Looking 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.