Best Payment Providers for Small Businesses15 providers compared

Wise Business

Business International Transfers

The business version of Wise (formerly TransferWise), offering multi-currency accounts and international transfers at the real mid-market exchange rate. Wise Business provides local account details in major currencies, batch payments, and integrations with accounting software. Ideal for businesses that frequently send or receive international payments and want transparent, low-cost FX.

Dwolla

ACH Payments

A US-focused ACH payment API that simplifies bank transfers for platforms and businesses. Dwolla provides programmatic access to ACH, real-time payments, and account verification with straightforward per-transaction pricing. Popular among platforms that need to move money between bank accounts without handling the complexity of direct ACH integration.

Helcim

Small businesses

A Canadian payment processor known for transparent interchange-plus pricing with no monthly fees or long-term contracts. Helcim serves small businesses in the US and Canada with online payments, POS systems, and invoicing. A good fit for businesses seeking honest, straightforward pricing without hidden costs.

Dharma Merchant Services

Socially conscious businesses

A B-Corp certified payment processor committed to ethical business practices and transparent pricing. Dharma offers competitive interchange-plus rates and actively supports nonprofits with special programs. Ideal for socially-conscious businesses that value working with mission-driven partners.

Melio

B2B payments

A B2B payment platform that lets small businesses pay vendors by ACH, check, or credit card even when vendors don't accept cards. Melio simplifies accounts payable by enabling businesses to earn card rewards while paying suppliers who only accept bank transfers. Free for ACH payments with a simple, user-friendly interface.

SumUp

Small EU businesses

A mobile-first payment solution for small businesses in 35+ countries, offering affordable card readers and straightforward pricing. SumUp makes it easy for solo entrepreneurs, market vendors, and small retailers to accept card and contactless payments with no monthly fees. A popular Square alternative in Europe and beyond.

Zettle

EU retail

A PayPal-owned mobile POS solution for small businesses across Europe and Latin America. Zettle provides card readers, contactless payments, and e-commerce integration with transparent flat-rate pricing. Particularly popular in the Nordics where it integrates with local payment method Swish.

Viva Wallet

European SMEs

A European neobank and payment provider offering POS terminals, online payments, and business accounts with IBAN across 23 European countries. Viva Wallet combines payment acceptance with banking services, providing same-day settlement and competitive rates for European SMEs.

OVO

Indonesian market

One of Indonesia's most popular e-wallets with over 115 million downloads, operating in partnership with Grab. OVO offers payments, transfers, investment, and insurance services through an integrated super-app experience. A key payment method for reaching Indonesian consumers in the world's fourth most populous country.

DANA

Indonesian payments

Indonesia's largest digital wallet by registered users, with over 150 million accounts. DANA offers payments, transfers, bill payments, and seamless e-commerce integration with major Indonesian platforms. Essential for any merchant operating in Indonesia's rapidly growing digital economy.

Touch 'n Go

Malaysian market

Malaysia's dominant e-wallet with over 14 million users, originally started as an RFID toll payment system. Touch 'n Go has evolved into a comprehensive digital wallet for payments, tolls, parking, public transport, and retail. Essential for any merchant targeting Malaysian consumers.

Boost

Malaysian e-commerce

A Malaysian e-wallet from Axiata Group offering mobile payments, rewards, cashback, and bill payments with installment options through Boost PayFlex. Popular for its loyalty rewards program and strong presence among Malaysian SMEs and the underbanked population.

ZaloPay

Vietnamese e-wallet

A leading Vietnamese e-wallet developed by VNG Corporation, deeply integrated with the popular Zalo social platform. ZaloPay offers mobile payments, bill payments, and money transfers, ranking among the top three e-wallets in Vietnam. Its strong presence in gaming and social commerce makes it well-suited for businesses targeting Vietnamese consumers.

Venmo Business

Social payments

PayPal's social payment platform extended for business use, popular among younger American consumers. Venmo Business enables merchants to accept payments via QR codes and online checkout, leveraging Venmo's strong brand recognition and social payment features.

Eway

Australian e-commerce

Australia's established payment gateway offering card processing with no setup fees or lock-in contracts. Eway provides free fraud protection and fast settlements, serving Australian and New Zealand e-commerce businesses with straightforward integration options.