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.

Payment Processor Guide.

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Payment processors

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

52 processors

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Payment Depot

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

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Banquest Payment Systems

No reviews

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

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Billsby

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

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Merchant One

No reviews

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

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Looking for alternatives?

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

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.