All payment processors

102 providers, from flat-rate startups to high-risk specialist acquirers. Filter to your situation and compare real rates.

Compare agentic payments platforms and protocols

Showing 102 of 102 processors

ST
4.7/ 5 editorial

Stripe

Developer-first payments for internet businesses

Standard riskAggregator / PayFacFlat rateEditor's pick
Starting rate
2.9% + 30¢
Monthly fee
$0
EcommerceSaaSSubscriptions+2
BI
4.3/ 5 editorial

BitPay

The original crypto payment processor for serious merchants.

Standard riskCrypto processorFlat rate
Starting rate
1% + 25¢
Monthly fee
None
B2BBitcoinCrypto+4
CO
4.1/ 5 editorial

Coinbase Commerce

Accept crypto straight into your Coinbase account.

Standard riskCrypto processorFlat rate
Starting rate
1%
Monthly fee
None
CryptoEcommerceDigital goods+2
NO
4.0/ 5 editorial

NOWPayments

300+ coins, non-custodial, built for crypto-native businesses.

Standard riskCrypto processorFlat rate
Starting rate
0.5%
Monthly fee
None
BitcoinCryptoDigital goods+4
BT
4.5/ 5 editorial

BTCPay Server

Free, open-source, self-hosted Bitcoin payments. No middleman at all.

Standard riskCrypto processorCustom pricing
Starting rate
0% (self-hosted)
Monthly fee
None
BitcoinCryptoDigital goods+9
SQ
4.6/ 5 editorial

Square

Simple all-in-one for retail, restaurants and services

Standard riskAggregator / PayFacFlat rateEditor's pick
Starting rate
2.6% + 10¢
Monthly fee
$0
BitcoinEcommerceLightning+3
HE
4.6/ 5 editorial

Helcim

Transparent interchange-plus pricing that scales down

Standard riskDirect acquirer / ISOInterchange-plusEditor's pick
Starting rate
0.40% + 25¢ over interchange
Monthly fee
$0
RetailServicesEcommerce+1
AD
4.5/ 5 editorial

Adyen

Enterprise payments across every sales channel

Standard riskDirect acquirer / ISOInterchange-plus
Starting rate
Custom
Monthly fee
Custom
EnterpriseEcommerceMarketplaces+2
BR
4.3/ 5 editorial

Braintree

PayPal-ready payments for growing platforms

Standard riskGatewayInterchange-plus
Starting rate
Custom
Monthly fee
Custom
EcommerceSubscriptionsMarketplaces+1
CH
4.4/ 5 editorial

Checkout.com

Enterprise acquiring with high authorization rates

Standard riskDirect acquirer / ISOCustom pricing
Starting rate
Custom
Monthly fee
Custom
EnterpriseEcommerceFintech+2
AU
4.1/ 5 editorial

Authorize.net

The long-standing gateway with broad compatibility

Standard riskGatewayFlat rate
Starting rate
2.9% + 30¢
Monthly fee
$25/mo
EcommerceB2BServices
WO
4.0/ 5 editorial

Worldpay

Global processing for high-volume merchants

Standard riskDirect acquirer / ISOCustom pricing
Starting rate
Custom
Monthly fee
Custom
EnterpriseRetailHospitality+1
CC
4.2/ 5 editorial

CCBill

High-risk subscription billing specialist

High-risk friendlyMerchant of RecordCustom pricing
Starting rate
5.5%+ (typical)
Monthly fee
$1,000+ (typical)
SubscriptionsDigital goods
P2
4.7/ 5 editorial

P2Flux

Automated USDC payments and subscriptions on Base

High-risk friendlyCrypto processorFlat rate
Starting rate
1%
Monthly fee
$0
CryptoSubscriptionsSaaS+3
PA
4.5/ 5 editorial

PaymentCloud

High-risk merchant account matchmaker

High-risk friendlyDirect acquirer / ISOInterchange-plusEditor's pick
Starting rate
3.5%+ (typical)
Monthly fee
$10–$50 (typical)
CBDNutraceuticalsTelehealth+3
EA
4.4/ 5 editorial

Easy Pay Direct

High-risk ecommerce processing with rate negotiation

High-risk friendlyDirect acquirer / ISOInterchange-plus
Starting rate
4%+ (typical)
Monthly fee
$25–$100 (typical)
EcommerceNutraceuticalsCoaching+2
DU
4.3/ 5 editorial

Durango Merchant Services

Two decades of specialist high-risk and travel processing

High-risk friendlyDirect acquirer / ISOInterchange-plus
Starting rate
4%+ (typical)
Monthly fee
$25+ (typical)
TravelTelehealthEcommerce+1
VE
4.1/ 5 editorial

Verotel

European specialist subscription billing

High-risk friendlyMerchant of RecordCustom pricing
Starting rate
6%+ (typical)
Monthly fee
Varies
Digital goodsSubscriptions
OP
4.5/ 5 editorial

OpenNode

Bitcoin payments with instant conversion

Standard riskCrypto processorFlat rate
Starting rate
1%
Monthly fee
$0
BitcoinCryptoEcommerce+3
ZA
4.6/ 5 editorial

Zaprite

Bitcoin checkout and invoicing for your whole stack

Standard riskCrypto processorSubscription
Starting rate
0%
Monthly fee
$25
B2BBitcoinCrypto+3
IB
4.4/ 5 editorial

IBEXPay

Bitcoin and Lightning payments for merchants

Standard riskCrypto processorFlat rate
Starting rate
0.8%
Monthly fee
$0
BitcoinCryptoEcommerce+2
LI
4.3/ 5 editorial

Lightning Checkout

Self-hosted Lightning checkout for WooCommerce

Standard riskCrypto processorFlat rate
Starting rate
0.5%
Monthly fee
$0
BitcoinCryptoEcommerce+1
CO
4.4/ 5 editorial

Coinsnap

Bitcoin and Lightning payments for websites

Standard riskCrypto processorFlat rate
Starting rate
1%
Monthly fee
$0
BitcoinCryptoDigital goods+2
ST
4.5/ 5 editorial

Strike

Bitcoin payments over Lightning with fiat pricing

Standard riskCrypto processorCustom pricing
Starting rate
Low
Monthly fee
$0
BitcoinCryptoEcommerce+2
VO
4.6/ 5 editorial

Voltage

Lightning infrastructure for your own bitcoin payments

Standard riskCrypto processorCustom pricing
Starting rate
Custom
Monthly fee
$0
BitcoinCryptoInternational+2
SP
4.5/ 5 editorial

Speed

Accept bitcoin and stablecoins at 0% starting fees

Standard riskCrypto processorFlat rate
Starting rate
0%
Monthly fee
$0
BitcoinCryptoDigital goods+3
CO
4.5/ 5 editorial

CoinGate

Accept 70+ cryptocurrencies with auto-settlement

Standard riskCrypto processorFlat rate
Starting rate
1%
Monthly fee
$0
BitcoinCryptoDigital goods+3
FL
4.4/ 5 editorial

Flash

Bitcoin-only storefronts, paywalls and paylinks

Standard riskCrypto processorFlat rate
Starting rate
Low
Monthly fee
$0
BitcoinCryptoDigital goods+2
RI
4.2/ 5 editorial

RiskPay

Anonymous payment links with instant USDC-on-Polygon settlement

High-risk friendlyCrypto processorCustom pricing
Starting rate
12% of payout
Monthly fee
Custom
SubscriptionsEcommerceInternational+7
EM
3.9/ 5 editorial

eMerchantBroker

Merchant accounts for high-risk and hard-to-place industries

High-risk friendlyDirect acquirer / ISOCustom pricing
Starting rate
Custom
Monthly fee
Custom
CBDSubscriptionsgaming+1
FR
4.5/ 5 editorial

Frame

Payments with compliance built in for high-risk verticals

High-risk friendlyDirect acquirer / ISOCustom pricing
Starting rate
Custom
Monthly fee
Custom
TelehealthgamingTravel+3
PA
4.6/ 5 editorial

Paddle

Merchant of record billing for SaaS

Standard riskMerchant of RecordFlat rate
Starting rate
5% + 50¢
Monthly fee
$0
SaaSSubscriptionsDigital goods+1
LE
4.6/ 5 editorial

Lemon Squeezy

Merchant of record for digital products and SaaS

Standard riskMerchant of RecordFlat rate
Starting rate
5% + 50¢
Monthly fee
$0
Digital goodsSaaSSubscriptions+1
FA
4.4/ 5 editorial

FastSpring

Full merchant of record for software companies

Standard riskMerchant of RecordFlat rate
Starting rate
5.9% + 95¢
Monthly fee
$0
SaaSDigital goodsSubscriptions+2
2C
4.2/ 5 editorial

2Checkout (Verifone)

Global payments and subscriptions for international sellers

Standard riskMerchant of RecordFlat rate
Starting rate
3.5% + 35¢
Monthly fee
$0
EcommerceDigital goodsSubscriptions+1
PA
4.5/ 5 editorial

PayPro Global

Merchant of record for software and digital goods

Standard riskMerchant of RecordFlat rate
Starting rate
Custom
Monthly fee
$0
SaaSDigital goodsSubscriptions+1
GU
4.3/ 5 editorial

Gumroad

Sell digital products with a minimal storefront

Standard riskCreator platformFlat rate
Starting rate
10%
Monthly fee
$0
Digital goodsSubscriptions
PA
4.5/ 5 editorial

PayHip

Digital downloads and courses with a free plan

Standard riskCreator platformFlat rate
Starting rate
5%
Monthly fee
$0
Digital goodsSubscriptions
KO
4.0/ 5 editorial

Koji

Link-in-bio commerce apps for creators

Standard riskCreator platformFlat rate
Starting rate
5–15%
Monthly fee
$0
Digital goodsSubscriptions
CH
4.5/ 5 editorial

Chargebee

Subscription billing for growing SaaS

Standard riskBilling platformSubscription
Starting rate
0%
Monthly fee
$599
SaaSSubscriptions
RE
4.4/ 5 editorial

Recurly

Subscription management focused on revenue retention

Standard riskBilling platformSubscription
Starting rate
Custom
Monthly fee
From $99
SaaSSubscriptions
MA
4.3/ 5 editorial

Maxio

B2B SaaS billing and financial operations

Standard riskBilling platformSubscription
Starting rate
Custom
Monthly fee
Custom
SaaSSubscriptionsB2B
ZO
4.4/ 5 editorial

Zoho Billing

Flexible subscription billing inside the Zoho suite

Standard riskBilling platformSubscription
Starting rate
$0
Monthly fee
$49
SaaSSubscriptionsB2B
LA
4.6/ 5 editorial

Lago

Open-source usage-based billing

Standard riskBilling platformCustom pricing
Starting rate
0%
Monthly fee
Custom
SaaSSubscriptions
PA
4.5/ 5 editorial

PayKickstart

Cart and affiliate platform for digital sellers

Standard riskMerchant of RecordSubscription
Starting rate
3.5% + 30¢
Monthly fee
$29
Digital goodsSubscriptionsEcommerce
ME
4.6/ 5 editorial

Memberful

Membership subscriptions for your own WordPress site

Standard riskBilling platformSubscription
Starting rate
0%
Monthly fee
From $25
SubscriptionsDigital goods
ME
4.5/ 5 editorial

MemberSpace

Add memberships to any website

Standard riskBilling platformSubscription
Starting rate
0%
Monthly fee
From $25
SubscriptionsDigital goods
OU
4.7/ 5 editorial

Outseta

All-in-one memberships, CRM and billing for SaaS startups

Standard riskBilling platformSubscription
Starting rate
0%
Monthly fee
From $99
SaaSSubscriptions
KA
4.4/ 5 editorial

Kajabi

Courses, memberships and marketing in one platform

Standard riskBilling platformSubscription
Starting rate
0%
Monthly fee
$149
SubscriptionsDigital goods
PA
4.2/ 5 editorial

Patreon

Recurring fan memberships at scale

Standard riskCreator platformFlat rate
Starting rate
8–12%
Monthly fee
$0
SubscriptionsDigital goods
KO
4.6/ 5 editorial

Ko-fi

Tips, memberships and shops for creators

Standard riskCreator platformFlat rate
Starting rate
0%
Monthly fee
$0
Digital goodsSubscriptions
BU
4.6/ 5 editorial

Buy Me a Coffee

One-click support and memberships for creators

Standard riskCreator platformFlat rate
Starting rate
5%
Monthly fee
$0
Digital goodsSubscriptions
KI
4.5/ 5 editorial

Kit Commerce (ConvertKit)

Sell digital products through your newsletter

Standard riskCreator platformFlat rate
Starting rate
Stripe rates
Monthly fee
From $29 (Kit plan)
Digital goodsSubscriptions
PA
4.3/ 5 editorial

Payoneer

Cross-border payments and multi-currency accounts

Standard riskGatewayCustom pricing
Starting rate
Custom
Monthly fee
$0
InternationalB2BEcommerce
MO
4.6/ 5 editorial

Mollie

European payments with local methods by default

Standard riskAggregator / PayFacFlat rate
Starting rate
From ~1.8% + €0.25
Monthly fee
$0
EcommerceInternationalSubscriptions
MA
4.4/ 5 editorial

Mangopay

Payments infrastructure for marketplaces and platforms

Standard riskGatewayCustom pricing
Starting rate
Custom
Monthly fee
Custom
MarketplacesInternationalSaaS
SH
4.5/ 5 editorial

Shopify Payments

Native payments for Shopify stores

Standard riskAggregator / PayFacFlat rate
Starting rate
2.9% + 30¢
Monthly fee
$0
EcommerceRetail
WE
4.1/ 5 editorial

WePay (Chase)

Payments for platforms and software, backed by Chase

Standard riskGatewayCustom pricing
Starting rate
Custom
Monthly fee
Custom
SaaSMarketplacesInternational
QU
4.3/ 5 editorial

QuickBooks Payments

Invoicing and card payments inside QuickBooks

Standard riskAggregator / PayFacFlat rate
Starting rate
2.9% + 30¢
Monthly fee
$0
B2BEcommerce
PA
4.2/ 5 editorial

PayPal

The most recognized checkout button on the internet

Standard riskAggregator / PayFacFlat rate
Starting rate
3.49% + 49¢
Monthly fee
$0
EcommerceInternationalDigital goods+1
AM
4.4/ 5 editorial

Amazon Pay

Checkout with Amazon accounts

Standard riskAggregator / PayFacFlat rate
Starting rate
2.9% + 30¢
Monthly fee
$0
EcommerceInternational
ST
4.4/ 5 editorial

Stax (formerly Payment Depot)

Subscription processing with wholesale interchange

Standard riskDirect acquirer / ISOSubscription
Starting rate
Interchange + markup
Monthly fee
$99
RetailEcommerceB2B+1
PA
4.5/ 5 editorial

PayJunction

Paperless card processing with e-signatures

Standard riskDirect acquirer / ISOInterchange-plus
Starting rate
Interchange + markup
Monthly fee
Custom
RetailB2B
AC
4.2/ 5 editorial

ACI Worldwide

Enterprise real-time payments infrastructure

Standard riskDirect acquirer / ISOCustom pricing
Starting rate
Custom
Monthly fee
Custom
InternationalB2B
MU
4.5/ 5 editorial

Mural Pay

Stablecoin-powered global accounts and payments

Standard riskCrypto processorCustom pricing
Starting rate
Custom
Monthly fee
Custom
CryptoInternationalB2B
CH
4.5/ 5 editorial

CheckoutPage

Instantly sellable hosted checkout pages

Standard riskGatewaySubscription
Starting rate
0%
Monthly fee
$19
EcommerceDigital goodsSubscriptions
PA
4.4/ 5 editorial

Payment Labs

Global payouts for fast-growing industries

Standard riskGatewayCustom pricing
Starting rate
Custom
Monthly fee
Custom
InternationalB2Bgaming
SW
4.7/ 5 editorial

Swiss Bitcoin Pay

Swiss-made Bitcoin checkout for merchants

Standard riskCrypto processorFlat rate
Starting rate
0.21%
Monthly fee
€0
BitcoinLightningCrypto+4
BI
4.6/ 5 editorial

Bitcoinize

Portable handheld POS for Bitcoin payments

Standard riskCrypto processorCustom pricing
Starting rate
Custom
Monthly fee
$0
BitcoinLightningCrypto+3
OP
4.5/ 5 editorial

Opago Pay

Micro handheld Lightning POS from Germany

Standard riskCrypto processorCustom pricing
Starting rate
Custom
Monthly fee
€0
BitcoinLightningCrypto+3
BL
4.7/ 5 editorial

Blink

Phone-number-only Bitcoin wallet with merchant POS

Standard riskCrypto processorFlat rate
Starting rate
0%
Monthly fee
$0
BitcoinLightningCrypto+4
WA
4.6/ 5 editorial

Wallet of Satoshi

Simplest Lightning wallet with a POS app

Standard riskCrypto processorFlat rate
Starting rate
0%
Monthly fee
$0
BitcoinLightningCrypto+3
FO
4.4/ 5 editorial

ForumPay

Enterprise crypto payments for regulated markets

Standard riskCrypto processorCustom pricing
Starting rate
Custom
Monthly fee
Custom
BitcoinLightningCrypto+5
LI
4.4/ 5 editorial

LightningPay

Hosted Lightning checkout for online stores

Standard riskCrypto processorFlat rate
Starting rate
1%
Monthly fee
$0
BitcoinLightningCrypto+3
LN
4.8/ 5 editorial

LNbits

Open-source Lightning toolkit and paywall builder

Standard riskCrypto processorCustom pricing
Starting rate
0%
Monthly fee
$0
BitcoinLightningCrypto+4
CO
4.4/ 5 editorial

Coincharge

Bitcoin and Lightning acceptance, online and in store

Standard riskCrypto processorCustom pricing
Starting rate
Custom
Monthly fee
Custom
BitcoinLightningCrypto+4
LI
4.5/ 5 editorial

lipa

Accept Bitcoin, settle in EUR or CHF

Standard riskCrypto processorFlat rate
Starting rate
0.98%
Monthly fee
€0
BitcoinLightningCrypto+4
TI
4.3/ 5 editorial

Tiankii

Bitcoin merchant dashboard for Latin America

Standard riskCrypto processorCustom pricing
Starting rate
Custom
Monthly fee
Custom
BitcoinLightningCrypto+4
AL
4.6/ 5 editorial

Alby

Lightning paywalls and tipping for any website

Standard riskCrypto processorFlat rate
Starting rate
0%
Monthly fee
$0
BitcoinLightningCrypto+4
MU
4.3/ 5 editorial

Musqet

Bitcoin-native card terminal with lower card fees

Standard riskCrypto processorCustom pricing
Starting rate
Custom
Monthly fee
Custom
BitcoinLightningCrypto+4
DF
4.5/ 5 editorial

DFX Swiss

Fiat and Bitcoin gateway powering Swiss retail

Standard riskCrypto processorCustom pricing
Starting rate
Custom
Monthly fee
CHF 0
BitcoinLightningCrypto+4
DL
4.0/ 5 editorial

dLocal

Cross-border payments for emerging markets

Standard riskpspCustom pricing
Starting rate
Contact sales
Monthly fee
None published
EcommerceInternationalSaaS+3
RA
4.0/ 5 editorial

Razorpay

India's leading full-stack payment gateway

Standard riskpspFlat rate
Starting rate
2% + GST
Monthly fee
$0
EcommerceSaaSeducation+3
FL
4.0/ 5 editorial

Flutterwave

Pan-African payments for businesses of every size

Standard riskpspFlat rate
Starting rate
1.4% (local cards)
Monthly fee
$0
EcommercecreatorsRetail+2
SU
4.0/ 5 editorial

SumUp

Mobile card readers and POS for micro-merchants

Standard riskpspFlat rate
Starting rate
1.75% (in-person, UK)
Monthly fee
$0
RetailRestaurantsServices+3
IY
4.0/ 5 editorial

iyzico

Turkey's leading e-commerce payment gateway

Standard riskGatewayCustom pricing
Starting rate
Contact sales
Monthly fee
None published
EcommerceMarketplacesSaaS+2
PA
4.0/ 5 editorial

Paystack

Developer-friendly checkout and payouts for Africa

Standard riskpspFlat rate
Starting rate
1.5% (local cards)
Monthly fee
$0
EcommerceSaaScreators+2
BV
4.0/ 5 editorial

BVNK

Stablecoin payments infrastructure for enterprise

Standard riskCrypto processorCustom pricing
Starting rate
Contact sales
Monthly fee
None published
CryptoFintechMarketplaces+4
AI
4.0/ 5 editorial

Airwallex

Global accounts, FX and payment acceptance for growing businesses

Standard riskpspSubscription
Starting rate
Free plan; 2.8% + $0.30 domestic cards
Monthly fee
$0 to $12/user/mo
InternationalEcommerceSaaS+5
SK
4.0/ 5 editorial

Skyfire

Verified identity and payment credentials for AI agents.

Standard riskGatewayCustom pricing
Starting rate
Pricing not published
Monthly fee
Not published
AI agent payments / agentic payments
NE
4.0/ 5 editorial

Nevermined

Payments infrastructure for AI agents, with published fees.

Standard riskGatewayCustom pricing
Starting rate
Merchants 1% on stablecoin rails, 2% on card rails (processing at cost); buyers 2% on external services, free from Nevermined merchants.
Monthly fee
Free personal plan; catalog $20/mo; organizations $50 to $500/mo.
AI agent payments / agentic payments
AT
4.0/ 5 editorial

ATXP

An account for your agent: identity, payments, email and tools.

Standard riskGatewayCustom pricing
Starting rate
Free account, no subscription; agents pay per tool call at prices set by tool providers; platform fee not published.
Monthly fee
None
AI agent payments / agentic payments
CR
4.0/ 5 editorial

Crossmint

Agent wallets, virtual cards and stablecoin infrastructure in one platform.

Standard riskGatewayCustom pricing
Starting rate
Wallets free up to 1,000 monthly active wallets, overages per active wallet; payment fees per transaction with volume discounts, percentage not published.
Monthly fee
None published for the wallet entry tier.
AI agent payments / agentic payments
CA
4.0/ 5 editorial

Catena Labs

Governance and banking platform for AI agents (building).

Standard riskGatewayCustom pricing
Starting rate
Pricing not published
Monthly fee
Not published
AI agent payments / agentic payments
DO
4.0/ 5 editorial

Dodo Payments

Merchant of record billing for AI-first companies.

Standard riskMerchant of RecordFlat rate
Starting rate
4% + 40c per transaction (standard plan).
Monthly fee
None; no setup fees or minimums.
AI agent payments / agentic payments
TA
4.0/ 5 editorial

Tap Payments

GCC payment gateway for Mada, KNET, Benefit and international cards

Standard riskGatewayCustom pricing
Starting rate
Contact sales
Monthly fee
None published
InternationalEcommerceMarketplaces+2
YO
4.0/ 5 editorial

Yoco

Card machines, payment links and online checkout for South African small businesses

Standard riskpspFlat rate
Starting rate
2.30% (ex VAT, local cards, Core)
Monthly fee
R0 (Core); R249/month (Plus); R499/month (Pro)
RetailRestaurantsServices+2
FL
4.0/ 5 editorial

Flatpay

Danish flat-rate card terminals and POS for European small businesses

Standard riskpspFlat rate
Starting rate
0.99% (EU terminal plan, under 200,000 EUR turnover)
Monthly fee
None published (no monthly subscription on terminal plan)
RetailRestaurantsServices+1
PA
4.0/ 5 editorial

PayKings

High-risk merchant accounts for CBD, hemp, and hard-to-place verticals

High-risk friendlyDirect acquirer / ISOInterchange-plus
Starting rate
Interchange plus 0.80% (CBD, from)
Monthly fee
Not published (quote-based)
CBDEcommerceSubscriptions
CR
4.5/ 5 editorial

Creem

Merchant of record built for AI products and indie SaaS

Standard riskMerchant of RecordFlat rate
Starting rate
3.9% + $0.40 per successful transaction
Monthly fee
None; no setup fees or minimums
AI agent payments / agentic payments
AG
4.0/ 5 editorial

AgentaOS

Merchant of record plus agent payments for AI founders

Standard riskMerchant of RecordFlat rate
Starting rate
Card 4.5% + EUR 0.50 pay as you go; agent (x402) payments 1% flat
Monthly fee
EUR 0 pay as you go; Pro EUR 49/mo lowers the card rate to 4.0% + EUR 0.40
AI agent payments / agentic payments
CO
4.0/ 5 editorial

Conekta

Mexican payment gateway for cards, SPEI transfers, cash and BNPL

Standard riskGatewayCustom pricing
Starting rate
Quote-based (commission on successful transactions)
Monthly fee
Not published
EcommerceSaaSRetail+1
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