Browse 68 credit card processors
Direct processors, ISOs, PSPs, banks, and POS-bundled providers — filter by what actually matters for your business.
Showing 68 of 68 companies
- HelcimInterchange-plus pricing with no monthly fee — best-kept secret in SMB processing.Score8.7Direct Processorinterchange plusmonth-to-monthStarting at Interchange + 0.4% + 8¢ (in-person)·1 2 business days
- Dharma Merchant ServicesEthical, interchange-plus processing with strong nonprofit pricing.Score8.7Direct Processorinterchange plusmonth-to-monthStarting at Interchange + 0.15% + 8¢ (retail)·next day
- Gravity PaymentsSeattle-based ISO known for transparent pricing and strong owner-operator support.Score8.5ISO / Resellerinterchange plusmonth-to-monthStarting at Interchange + 0.20% + $0.10·next day
- Stax (formerly Fattmerchant)Subscription processing — pay a flat monthly fee, then pure interchange + per-transaction.Score8.2Direct Processorsubscriptionmonth-to-monthStarting at Interchange + 8¢ per transaction (subscription)·next day
- National ProcessingInterchange-plus ISO with low monthly fee and strong restaurant pricing.Score8.2ISO / Resellerinterchange plusmonth-to-monthStarting at Interchange + 0.14% + 7¢ (restaurants)·next day
- StripeDeveloper-first online payments with transparent flat-rate pricing.Score8Aggregator (PSP)flat ratemonth-to-monthStarting at 2.9% + 30¢ (online)·2 3 business days
- Payment DepotMembership-based wholesale processing — interchange + cents per transaction.Score8Direct Processormembershipmonth-to-monthStarting at Interchange + 5¢–25¢ per transaction (membership)·next day
- LawPayIOLTA-compliant processing built specifically for law firms.Score8ISO / Resellerflat ratemonth-to-monthStarting at 2.95% + 20¢ (cards)·next day
- FattmerchantOlder brand name for Stax — same subscription-pricing model.Score7.8Aggregator (PSP)subscriptionmonth-to-monthStarting at Interchange + $0.08 + $99/mo·1 2 business days
- CDGcommerceLong-running independent ISO with transparent pricing and strong nonprofit discounts.Score7.8ISO / Resellerinterchange plusmonth-to-monthStarting at Interchange + 0.25% + $0.10·1 2 business days
- LavuiPad restaurant POS with strong international support and mid-market pricing.Score7.8POS-Bundledsubscriptionmonth-to-monthStarting at Lavu Pay: 2.49% + 15¢ (or BYOP)·1 2 business days
- SquareFree POS plus flat-rate processing — popular but rarely the cheapest.Score7.7POS-Bundledflat ratemonth-to-monthStarting at 2.6% + 10¢ (in-person)·1 2 business days
- Authorize.netVeteran payment gateway — almost always paired with another processor.Score7.7Direct Processorsubscriptionmonth-to-monthStarting at $25/mo + 10¢ per transaction (gateway only)·1 2 business days
- TouchBistroRestaurant-only iPad POS with built-in reservations and online ordering.Score7.7POS-Bundledsubscriptionmonth-to-monthStarting at TouchBistro Payments: 2.99% + 30¢ (bundled)·1 2 business days
- AdyenEnterprise-grade global payments — built for companies, not SMBs.Score7.5Direct Processorinterchange plusvariesStarting at Interchange + €0.11 + processor fee (custom-quoted)·1 2 business days
- Shopify POSPOS extension of Shopify — best for retail brands already on Shopify.Score7.5POS-Bundledflat ratemonth-to-monthStarting at 2.4%–2.7% in-person·2 3 business days
- ToastRestaurant-only POS with deep operational tooling — and locked-in processing.Score7.3POS-Bundledflat rate2-yearStarting at 2.49% + 15¢ (in-person, varies by plan)·next day
- Chase Payment SolutionsBank-bundled processing — convenient if you already bank with Chase.Score7.3Bank-Bundledflat ratemonth-to-monthStarting at 2.6% + 10¢ (in-person)·instant paid
- Revel SystemsiPad-based POS for restaurants and retail with bring-your-own-processor flexibility.Score7.3POS-Bundledsubscription3-yearStarting at Bring your own processor (rate TBD)·next day
- Host Merchant ServicesMid-tier ISO with interchange-plus pricing and strong ecommerce gateway support.Score7.3ISO / Resellerinterchange plusmonth-to-monthStarting at Interchange + 0.25% + $0.10·1 2 business days
- NCR Aloha (Voyix)Enterprise-grade restaurant POS with deep operational features and high cost.Score7.3POS-Bundledsubscription3-yearStarting at Bring-your-own-processor or NCR Payments·next day
- PaddleMerchant-of-record platform purpose-built for SaaS subscription billing.Score7.3Aggregator (PSP)flat ratemonth-to-monthStarting at 5% + 50¢·1 2 business days
- QuickBooks PaymentsNative invoicing payments for QuickBooks users — strong fit, premium pricing.Score7.3Aggregator (PSP)flat ratemonth-to-monthStarting at 2.99% (invoiced) / 1% ACH (capped at $10)·1 2 business days
- Shopify PaymentsBundled with Shopify storefronts — penalty fees if you use anything else.Score7.2Aggregator (PSP)flat ratemonth-to-monthStarting at 2.4%–2.9% + 30¢ (online, varies by plan)·2 3 business days
- Lemon SqueezyIndie-friendly merchant-of-record for digital products and small SaaS.Score7.2Aggregator (PSP)flat ratemonth-to-monthStarting at 5% + 50¢·1 2 business days
- GoDaddy PaymentsBundled payments for merchants already running a GoDaddy website or store.Score7.2Aggregator (PSP)flat ratemonth-to-monthStarting at 2.3% (in-person) / 2.3% + 30¢ (online)·1 2 business days
- LightspeedIndustry-specific POS for retail, restaurant, and golf — bundled processing.Score7POS-Bundledflat rate1-yearStarting at 2.6% + 10¢ (in-person, Lightspeed Payments)·1 2 business days
- Easy Pay DirectHigh-risk friendly processor with multi-MID load-balancing.Score7ISO / Resellerinterchange plusvariesStarting at Custom (high-risk verticals)·1 2 business days
- PaymentCloudHigh-risk specialist — known for approving where others decline.Score7ISO / Resellerinterchange plusmonth-to-monthStarting at Custom (varies by risk profile)·1 2 business days
- QuickBooks Payments (Intuit)Bundled with QuickBooks — convenient but seldom the cheapest.Score7Aggregator (PSP)flat ratemonth-to-monthStarting at 2.5% + 25¢ (in-person), 2.99% + 25¢ (invoice)·next day
- Vend (Lightspeed Retail)Cloud retail POS now consolidated under Lightspeed Retail.Score7POS-Bundledsubscription1-yearStarting at Lightspeed Payments: 2.6% + 10¢·1 2 business days
- Cayan (a TSYS company)Mid-market processor specializing in genius integrations with retail POS.Score7ISO / Resellerinterchange plusmonth-to-monthStarting at Interchange + 0.20% + $0.10·1 2 business days
- Upserve (Lightspeed Restaurant)Restaurant POS now consolidated under Lightspeed Restaurant.Score7POS-Bundledsubscription1-yearStarting at Lightspeed Payments: 2.6% + 10¢·1 2 business days
- Melio PaymentsB2B accounts-payable platform — pay vendors by card, vendor receives ACH.Score7Aggregator (PSP)flat ratemonth-to-monthStarting at 2.9% (card payments) / Free (ACH)·1 2 business days
- SumUpEuropean-rooted mobile card reader competing with Square in micro-merchant segment.Score7Aggregator (PSP)flat ratemonth-to-monthStarting at 2.6% + 10¢·1 2 business days
- Dual Pricing POSPOS purpose-built around posted cash-discount / surcharge pricing models.Score7Direct Processorsubscriptionmonth-to-monthStarting at Interchange + 0.10% (most fees passed to customer)·next day
- Durango Merchant ServicesVeteran high-risk specialist with strong nutraceutical and adult vertical experience.Score6.8ISO / Resellerinterchange plus1-yearStarting at 3.95%+ (high-risk band)·2 3 business days
- BILL (Bill.com)Mid-market AP/AR automation platform with built-in payment acceptance.Score6.8Aggregator (PSP)subscription1-yearStarting at ACH free / Card 2.9% + AP plan from $45/user/mo·1 2 business days
- PlastiqPay-anything-by-card platform for rent, taxes, and large vendor payments.Score6.8Aggregator (PSP)flat ratemonth-to-monthStarting at 2.9% per transaction·2 3 business days
- Braintree (a PayPal company)PayPal's developer-focused gateway — Stripe alternative for online businesses.Score6.7Aggregator (PSP)flat ratemonth-to-monthStarting at 2.59% + 49¢ (cards)·1 2 business days
- CardConnect (a Fiserv company)B2B-focused processor with strong Level 2/3 data optimization for invoiced payments.Score6.7ISO / Resellerinterchange plusvariesStarting at Interchange + 0.30% (varies)·1 2 business days
- Maverick PaymentsCalifornia-based ISO with white-label payments tooling for SaaS and ISVs.Score6.7ISO / Resellerinterchange plusmonth-to-monthStarting at Interchange + 0.25% + $0.10 (direct)·next day
- Oracle MICROS SimphonyOracle-backed enterprise restaurant + hospitality POS with global multi-property support.Score6.7POS-Bundledsubscription3-yearStarting at Quoted (enterprise)·next day
- Checkout.comEnterprise-grade global card acquirer competing with Stripe and Adyen.Score6.7Aggregator (PSP)interchange plus1-yearStarting at Quoted (interchange-plus)·1 2 business days
- 2Checkout (Verifone Payments)Online-first PSP focused on global digital goods and SaaS subscriptions.Score6.7Aggregator (PSP)flat ratemonth-to-monthStarting at 3.5% + 35¢·1 2 business days
- PayPal (Braintree)Ubiquitous checkout — convenience at a premium rate.Score6.5Aggregator (PSP)flat ratemonth-to-monthStarting at 3.49% + 49¢ (PayPal Checkout)·1 2 business days
- SignaPayTexas-based ISO known for cash-discount and dual-pricing programs.Score6.5ISO / Resellerinterchange plusvariesStarting at Interchange + 0.25% + $0.10 (or surcharge model)·next day
- Heartland Restaurant POSRestaurant POS from Heartland Payment Systems with bundled processing.Score6.5POS-Bundledsubscription3-yearStarting at 2.6% + 15¢ (bundled)·next day
- InstabillLong-running high-risk specialist with strong international acquirer network.Score6.5ISO / Resellerinterchange plusvariesStarting at 3.95%+ (high-risk band)·2 3 business days
- CloverPOS-first system sold by hundreds of resellers — pricing varies wildly.Score6.3POS-BundledtieredvariesStarting at Varies by reseller (typically 2.3%–2.9% + 10¢)·next day
- Elavon (US Bank)Bank-owned processor — pricing better than typical ISOs but still negotiated.Score6.3ISO / Resellerinterchange plusvariesStarting at Custom (negotiated)·next day
- Soar PaymentsMid-tier high-risk specialist with strong B2B and travel vertical expertise.Score6.3ISO / Resellerinterchange plus1-yearStarting at 3.5%+ (depends on vertical)·2 3 business days
- Moneris (US)Canadian acquirer with limited US operations — listed for cross-border merchants.Score6.3ISO / Resellerinterchange plusvariesStarting at Quoted (interchange-plus on most plans)·next day
- First Data (Fiserv)Acquiring giant behind countless banks and ISOs — pricing depends on who sold you.Score6.2ISO / ResellertieredvariesStarting at Varies by reseller·next day
- Bank of America Merchant ServicesBank-bundled processing — same trade-offs as other big-bank options.Score6.2ISO / ResellertieredvariesStarting at Custom (request quote)·next day
- Merchant Warehouse (now Cayan / Genius)Legacy brand absorbed into Cayan — historical alias for the current Genius platform.Score6.2ISO / Resellerinterchange plusvariesStarting at See Cayan profile·1 2 business days
- Worldpay (FIS)Legacy enterprise processor — large catalog, opaque SMB pricing.Score6Direct Processortiered3-yearStarting at Custom (varies by reseller)·1 2 business days
- TSYS (Global Payments)Mid-market and enterprise processor backbone now consolidated under Global Payments.Score6Direct Processorinterchange plusvariesStarting at Varies by ISO·1 2 business days
- Talus PayMid-market ISO with strong Clover integration and a focus on professional services.Score6ISO / Resellerinterchange plusvariesStarting at Interchange + 0.20% + $0.10·next day
- FastSpringMerchant-of-record platform purpose-built for software and digital-product sales.Score6Aggregator (PSP)flat rate1-yearStarting at Quoted (typically 5–8% all-in)·1 2 business days
- Leaders Merchant ServicesMid-tier ISO that publishes interchange-plus rates but bundles hidden monthly costs.Score5.8ISO / Resellerinterchange plus3-yearStarting at Interchange + 0.15% + $0.08·1 2 business days
- Midnight Merchant SolutionsAdult, nutraceutical, and CBD merchant accounts with offshore processor relationships.Score5.7ISO / Resellerinterchange plus1-yearStarting at 4.5%+ (high-risk industry standard)·2 3 business days
- eMerchantBroker (EMB)Los Angeles-based high-risk specialist with broad vertical coverage.Score5.7ISO / Resellerinterchange plus1-yearStarting at Quoted (high-risk band)·2 3 business days
- North American Bancard (NAB)Large legacy ISO with mixed reviews — better through specific resellers.Score5.5ISO / ResellerhybridvariesStarting at Varies — interchange-plus direct, tiered via reseller·next day
- Electronic Merchant Systems (EMS)Cleveland-based ISO with broad SMB footprint and mixed pricing transparency.Score5.5ISO / Resellerhybrid3-yearStarting at Quoted (request interchange-plus)·next day
- ePOS NowBudget POS hardware bundle with aggressive sales tactics around payment processing.Score4.2POS-Bundledtiered3-yearStarting at Tiered (varies by card type)·1 2 business days
- Merchant OneAggressive-marketing ISO with high published rates and long contracts.Score3.5ISO / Resellertiered3-yearStarting at 0.29% (qualified — most cards downgrade)·1 2 business days
- Riverside PaymentsVancouver, WA-based ISO with aggressive sales process and high effective rates.Score3.3ISO / Resellertiered3-yearStarting at Quoted (often 0.15% qualified, much higher effective)·next day