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Midnight Payments

Midnight Payments

High risk merchant accounts for US businesses, including peptides, nutraceuticals, CBD, vape, firearms, telehealth and subscriptions

VS

Fresha

Salon and spa businesses

Fresha
Fees from
Custom vs No subscription fee, 2.19%+$0.20 per payment
Features

2 shared

3 unique to Midnight Payments
Regions

1 shared

1 unique to Midnight Payments · 4 unique to Fresha
Pay methods

3 shared

9 unique to Midnight Payments · 4 unique to Fresha
On settlement

Midnight Payments settles in Next business day; Fresha settles in Next business day. Verify directly with each provider before signing.

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Show full specs
5 features · 16 payment methods · 6 regions. We don't rank these — they're here for reference.
Midnight Payments Midnight Payments
Fresha Fresha
Quick Facts
Fees
Standard transaction rate
Custom
No subscription fee, 2.19%+$0.20 per payment
Settlement
Time to receive funds
Next business day
Next business day
Founded
2026
2015
Headquarters
Denver, CO, United States
London, United Kingdom
Sandbox / Test Mode
—
—
Webhook Support
✓
✓
Features
Midnight Payments leads (5 vs 2)
High Risk Accepted Unique
✓
—
Low Fees
✓
✓
Recurring Billing Unique
✓
—
Recurring Payments Unique
✓
—
Startup Friendly
✓
✓
Payment Methods
Midnight Payments leads (12 vs 7)
Ach Unique
✓
—
Amex
✓
✓
Apple Pay Unique
✓
—
Contactless Unique
—
✓
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Digital Wallet Unique
✓
—
Discover Unique
✓
—
Echeck Unique
✓
—
Gift Card Unique
—
✓
Google Pay Unique
✓
—
Ideal Unique
—
✓
Mastercard
✓
✓
Qr Code Unique
—
✓
Virtual Card Unique
✓
—
Visa
✓
✓
Regions
Fresha leads (5 vs 2)
Asia Unique
—
✓
Europe Unique
—
✓
Global Unique
✓
—
Middle East Unique
—
✓
North America
✓
✓
Oceania Unique
—
✓

Midnight Payments is best when you...

High risk merchant accounts for US businesses, including peptides, nutraceuticals, CBD, vape, firearms, telehealth and subscriptions
Need High Risk Accepted
Not available with Fresha
Need Recurring Billing
Not available with Fresha
Want coverage in Global
Fresha doesn't cover this region
View Midnight Payments

Fresha is best when you...

Salon and spa businesses
Want coverage in Asia, Europe, Middle East, Oceania
Midnight Payments doesn't cover these regions
View Fresha

Frequently Asked Questions

What is the difference between Midnight Payments and Fresha?
They share 3 payment methods and 1 region. Midnight Payments adds ACH, Apple Pay, Credit Card and 6 more that Fresha does not list; Fresha adds Contactless, Gift Card, iDEAL and 1 more that Midnight Payments does not list; Midnight Payments also covers Global; Fresha also covers Asia, Europe and 2 more.
Which is cheaper, Midnight Payments or Fresha?
Midnight Payments has custom pricing quoted on engagement; Fresha has published rates from No subscription fee, 2.19%+$0.20 per payment. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Midnight Payments and Fresha?
Midnight Payments lists 2 regions and 12 payment methods; Fresha lists 5 and 7. both cover North America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Midnight Payments and Fresha compare on integration and settlement?
both support webhooks; Midnight Payments settles in Next business day, Fresha in Next business day.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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