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

63 processors

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Lemon Squeezy

No reviews

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

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DogPay

No reviews

Hong Kong-run stablecoin checkout, Visa cards issued by DCS in Singapore and USD accounts, sold on membership tiers with gateway rates unpublished.

Card rates not published

online rate

$0 to $799 membership

monthly fee

Varies

payout

Stablecoin checkout

Asia-based Web3 businesses

Offshore companies needing USD accounts

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AXON Money

No reviews

Dubai-based crypto and fiat settlement layer pitched at banks and fintechs, still waitlist-only with no published pricing, docs or named customers.

Not published

online rate

Not published

monthly fee

Varies

payout

Bank and fintech pilots

Stablecoin settlement trials

GCC cross-border projects

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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.