Find Payment Processing
You Can Trust
Compare Stripe, PayPal, Square, and more.
10 Results
Stripe
Financial infrastructure for the internet
Developer-first payment platform. Comprehensive APIs for online payments, subscriptions, and marketplaces.
Range: 2.9% + $0.30
PayPal
The safer, easier way to pay
Most recognized payment brand. Trusted checkout that increases conversion for many merchants.
Range: 2.99% + $0.49
Square
Editor's ChoicePower your business with Square
All-in-one commerce platform. POS, online payments, invoicing, and business banking.
Range: 2.6% + $0.15 in-person (online 3.3% + $0.30)
Shopify Payments
Accept payments on Shopify
Native payment processing for Shopify stores. Lowest fees for Shopify merchants, no third-party fees.
Range: 2.4-2.9% + $0.30
Braintree
Full-stack payment platform
PayPal-owned developer payment platform. Enterprise-grade with PayPal/Venmo integration.
Range: 2.59% + $0.49
Adyen
The payment platform built for growth
Enterprise unified commerce platform. Single platform for online, in-store, and mobile payments.
Range: Interchange++
Authorize.Net
Accept payments your way
Veteran payment gateway owned by Visa. Reliable gateway with broad compatibility.
Range: $25/mo + 2.9% + $0.30
Clover
Complete business solutions
Fiserv-owned POS and payment platform. Great hardware options with app marketplace.
Range: 2.3% + 10¢ card-present; 3.5% + 10¢ keyed-in
Helcim
Fair payment processing
Transparent interchange-plus pricing. Great for businesses wanting fair, clear pricing.
Range: Interchange + 0.3-0.5%
Toast
Restaurant management platform
Restaurant-specific POS and payments. Built exclusively for food service businesses.
Range: 2.49-3.69% + $0.15
What is Payment Processing Software?
Payment processing software enables businesses to accept, process, and manage financial transactions across multiple channels including online, in-store, and mobile. These platforms handle credit and debit card processing, ACH transfers, digital wallets, and alternative payment methods while managing the complex infrastructure of payment gateways, processors, and acquiring banks behind the scenes. Modern payment solutions offer unified commerce experiences, allowing businesses to accept payments through websites, mobile apps, point-of-sale terminals, and invoices from a single platform. They include fraud prevention tools using machine learning to detect suspicious transactions in real time. Payment orchestration platforms route transactions through multiple processors to optimize approval rates and minimize costs. PCI DSS compliance tools help businesses meet security requirements for handling cardholder data.
Key Features to Look For
Multi-Channel Acceptance
Processes payments across online, in-store, mobile, and invoice channels from one platform.
Fraud Detection
Uses AI and machine learning to identify and block fraudulent transactions in real time.
Payment Orchestration
Routes transactions through optimal processors to maximize approval rates and minimize fees.
Recurring Billing
Manages subscriptions with automated recurring charges, retries, and dunning management.
Multi-Currency Support
Accepts payments in local currencies with automatic conversion and settlement.
Developer APIs
Provides robust APIs and SDKs for custom payment integration into applications and workflows.
How Much Does Payment Processing Cost?
Payment processing fees typically follow a percentage-plus-fixed model. Standard rates are 2.6–2.9% + $0.10–$0.30 per transaction for card-present payments and 2.9–3.5% + $0.25–$0.30 for online transactions. ACH processing costs $0.25–$1.00 per transaction. Platform fees range from free to $25–$100/month depending on features. Enterprise pricing with custom rates is available for businesses processing over $1M/month. Stripe and Square both charge standard per-transaction processing fees for in-person payments (see the verified vendor cards).
Frequently Asked Questions
How We Evaluate Payment Processing
VendorPick rankings are based on verified vendor pricing, transparent criteria, and feature analysis — never pay-to-play placements. Vendors cannot pay to influence their ranking or placement on our platform.
Every published price is read on the vendor's own pricing page and stored with its source URL and the date we verified it — no aggregator data, no estimates. When a vendor doesn't publish pricing, we say so; when we find a figure we can't source, we delete it rather than hedge it.
Have feedback or see something outdated? Let us know — we prioritize keeping our data current and trustworthy.
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