New Zealand-based omnichannel processor and acquirer covering online, in-store and unattended payments in more than 40 countries.
Custom quote
online rate
Custom quote
monthly fee
Next day
payout
Omnichannel retail
Unattended payments
Enterprise
+1Payment processors
Compare 58 payment processor on fees, payment methods, integrations, and verified merchant reviews.
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Chicago ISO selling interchange-plus card processing, a branded gateway and its own Waves POS system. Sponsored into the card networks by Westamerica Bank.
Custom quote
online rate
Custom quote
monthly fee
2-day
payout
Retail stores
Restaurants
Hotels and hospitality
+1
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
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
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
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
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
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
Merchant of record for digital products at 5% + 50 cents a sale, owned by Stripe since 2024 and now steering sellers to Stripe Managed Payments.
5% + $0.50
online rate
None
monthly fee
Varies
payout
Indie software sellers
SaaS with global VAT exposure
License key delivery
+1Looking for alternatives?
Every processor in the directory has a guide to the options merchants switch to, and why.
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- Clover alternatives
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- Easy Pay Direct alternatives
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- Fluid Pay alternatives
- GoCardless alternatives
- Helcim alternatives
- Invoiced alternatives
- Lemon Squeezy alternatives
- MYR POS alternatives
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- Metronome alternatives
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- Mollie alternatives
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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.