Best Payment Providers for North America

Top payment processors and gateways serving the United States, Canada, and Mexico. Compare fees, features, and payment methods for North American businesses.

98 providers available

Providers by Category

traditional61
crypto21
high risk7
gaming4
regional3
baas2
2Checkout (Verifone) logo

2Checkout (Verifone)

Digital Goods

A global payment platform now owned by Verifone, with particular strength in digital goods and subscription billing. 2Checkout supports 45+ payment methods across 200+ countries with built-in tax management and localized checkout experiences. A solid choice for SaaS companies and digital product sellers needing global reach.

Fees: 3.5% + €0.30 to 6% + €0.50
north americaeuropeasia
ACI Worldwide logo

ACI Worldwide

Real-time payments

A payment systems software company powering infrastructure for banks and payment processors globally. ACI Worldwide enables real-time payment networks including FedNow, Zelle, and UK Faster Payments, processing over 671 billion transactions annually. Built for financial institutions requiring enterprise-grade payment switching and fraud management.

Fees: Contact for pricing
north americaeuropeasia
Adyen logo

Adyen

Platforms & Marketplaces

A global payment platform designed for enterprise businesses and high-growth companies. Adyen provides end-to-end payment processing with unified commerce capabilities, supporting 250+ payment methods across online, mobile, and in-store channels. Known for serving large marketplaces and platforms that need a single integration for global operations.

Fees: Interchange++ (€0.11 + interchange)
north americaeuropeasia
AffiniPay (8am) logo

AffiniPay (8am)

Professional services

A payment platform built for professional services including legal (LawPay), accounting (CPACharge), and associations. AffiniPay (now 8am) handles industry-specific compliance requirements like IOLTA trust accounting for law firms. Designed for professionals who need compliant payment acceptance with specialized billing features.

Fees: 2.95% + $0.30
north america
Affirm logo

Affirm

Installment Loans

A leading buy now, pay later platform in the United States, offering consumers flexible payment options from pay-in-4 to longer-term installment loans. Affirm partners with major retailers to provide transparent financing with no hidden fees for consumers. Popular among e-commerce merchants looking to increase average order value and conversion rates.

Fees: ~6% + $0.30
north america
Afterpay logo

Afterpay

BNPL Pioneer

One of the pioneers of buy now, pay later, now owned by Block (Square) and integrated with Cash App. Afterpay offers interest-free pay-in-4 installments and longer-term payment plans, available at thousands of retailers in the US, UK, Australia, and New Zealand. Popular for its consumer-friendly approach with no interest and no credit score impact.

Fees: 4-6% + $0.30
north americaeuropeoceania
Alchemy Pay logo

Alchemy Pay

Crypto-fiat bridge

A Singapore-based payment gateway bridging traditional fiat currency and cryptocurrency payments. Alchemy Pay enables businesses to accept over 300 cryptocurrencies alongside fiat payments, offering on/off-ramp services and NFT checkout capabilities across 173 countries.

Fees: ACH token-based fees
asiaeuropenorth america
Amazon Pay logo

Amazon Pay

E-commerce checkout

Amazon's online payment service letting customers pay on external sites using their Amazon account credentials. Amazon Pay offers fast checkout leveraging the trust and convenience of Amazon, helping merchants increase conversion rates.

Fees: 2.9% + $0.30
north americaeuropeasia
Apple Pay logo

Apple Pay

Mobile & contactless payments

Apple's mobile payment and digital wallet built into iPhone, Apple Watch, Mac, and iPad. Apple Pay enables contactless payments with Face ID/Touch ID security and is widely accepted at retailers globally, with strong privacy protections.

Fees: No additional fees
north americaeuropeasia
Authorize.Net logo

Authorize.Net

Advanced Fraud Detection

One of the longest-running US payment gateways, founded in 1996 and now owned by Visa. Authorize.Net offers reliable card processing with an Advanced Fraud Detection Suite and strong recurring billing capabilities. A trusted choice for established US businesses, especially those needing virtual terminal and phone order support.

Fees: $25/month + 2.9% + $0.30
north americaeuropeoceania
Banking Circle logo

Banking Circle

Financial Institution Infrastructure

A fully licensed Luxembourg bank providing infrastructure for other financial institutions, processing over €1 trillion in payment volumes annually. Banking Circle serves payment companies, banks, and fintechs with virtual accounts, cross-border payments, and correspondent banking services. The behind-the-scenes banking partner for many major payment providers.

Fees: Contact for pricing
europenorth america
BitGo logo

BitGo

Institutional crypto

An institutional-grade digital asset infrastructure provider offering qualified custody, staking, and prime services. BitGo serves financial institutions, exchanges, and enterprises requiring secure, regulated crypto custody with multi-signature wallet technology.

Fees: AUC-based (bps) + 0.25% withdrawal
north americaeuropeasia
Bitpace logo

Bitpace

Crypto to fiat

A cryptocurrency payment gateway offering crypto-to-fiat conversion and white-label wallet solutions. Bitpace provides multi-liquidity provider connections to ensure competitive exchange rates and supports settlement in 75+ currencies. A good option for businesses needing customizable, branded crypto payment infrastructure.

Fees: 0.5-1%
europeasianorth america
BitPay logo

BitPay

Bitcoin Payments

One of the oldest and most established cryptocurrency payment processors, operating since 2011. BitPay enables merchants to accept over 100 cryptocurrencies including Bitcoin, Ethereum, and various Layer 2 networks, with the option to settle in crypto or fiat. Also offers consumer products including a self-custody wallet and crypto debit card.

Fees: 1-2% + $0.25
north americaeuropeasia
BlueSnap logo

BlueSnap

B2B Payments

A payment orchestration platform now part of Payroc, specializing in B2B payments and subscription billing. BlueSnap offers local acquiring in 50 countries with native integrations for popular ERP and e-commerce platforms like NetSuite, BigCommerce, and Zuora. A strong fit for SaaS and B2B companies with global invoicing and subscription needs.

Fees: 2.9% + $0.30
north americaeuropeasia
Braintree logo

Braintree

Mobile Apps

A PayPal-owned payment platform known for its developer-friendly SDKs and strong mobile integration. Braintree provides seamless access to PayPal, Venmo, and card payments through a single integration, making it popular among mobile apps and marketplaces. Offers a transparent Drop-in UI that simplifies checkout implementation.

Fees: 2.9% + $0.30
north americaeuropeasia
BTCPay Server logo

BTCPay Server

Self-hosted crypto

A self-hosted, open-source Bitcoin payment processor offering complete financial sovereignty with zero transaction fees. BTCPay Server supports Lightning Network for instant payments and integrates with major e-commerce platforms. Perfect for businesses wanting full control over their Bitcoin payment infrastructure without third-party dependencies.

Fees: Free (self-hosted)
north americaeuropeasia
BVNK logo

BVNK

Stablecoin Infrastructure

An enterprise-grade stablecoin payments infrastructure provider that bridges traditional finance with digital assets. BVNK enables businesses to send, receive, and hold stablecoin payments across 130+ countries with regulatory licenses in key markets. Built for payment companies, fintechs, and enterprises that need compliant crypto payment rails.

Fees: Contact for pricing
north americaeuropeasia
Cash App for Business logo

Cash App for Business

Small merchants

Block's (formerly Square) mobile payment app extended for business use with a simple flat-rate fee structure. Cash App for Business offers QR code payments, payment links, Bitcoin acceptance, and free instant deposits. Popular among small merchants and service providers in the US.

Fees: 2.75%
north america
CCBill logo

CCBill

Adult Content

A veteran high-risk payment processor established in 1998, specializing in adult entertainment, subscription-based content, and live streaming businesses. CCBill handles age verification, subscription billing automation, and compliance for industries that most processors won't touch. The go-to provider for adult content creators and platforms needing reliable payment acceptance.

Fees: 10.8-14.5% (adult), 3.9% + $0.55 (standard)
north americaeuropeasia
Chase Paymentech logo

Chase Paymentech

US Enterprise

JPMorgan Chase's payment processing division, the largest merchant acquirer in the United States. Chase Paymentech offers same-day deposits at no extra cost for Chase business banking customers, making it particularly attractive for businesses already in the Chase ecosystem. A robust choice for US enterprises seeking a full-service banking and payments relationship.

Fees: Contact for pricing
north america
Checkout.com logo

Checkout.com

Global Performance

A global payment platform built for high-performance commerce, serving fast-growing businesses and enterprises. Checkout.com offers a unified API supporting 150+ currencies and 50+ payment methods with a focus on optimizing authorization rates. Known for strong performance in regions like Europe, the Middle East, and Asia.

Fees: 2.3-2.9% + $0.30 (typical)
north americaeuropeasia
Circle logo

Circle

USDC Infrastructure

NYSE: CRCL. Founded 2013. USDC (largest regulated stablecoin), EURC, USYC tokenized fund. $45.61T+ volume, 185+ countries, 1000+ partners, 55 global licenses. Regulations: US (46 states MTL, NY BitLicense, FinCEN), EU (MiCA, ACPR, AMF), UK (FCA), Singapore (MAS), UAE (DFSA), Bermuda, Canada, Japan. Products: Circle Mint, CPN, Arc L1 blockchain, Wallets, CCTP. Partners: Stripe, MoneyGram, Binance, Coinbase, Nubank. 24/7, 100% backed, 1:1 redeemable.

Fees: Contact for pricing
north americaeuropeasia
Closinglock logo

Closinglock

Real estate

A real estate wire fraud prevention platform providing secure wire transfer verification and escrow services. Closinglock helps title companies, real estate agents, and law firms protect property transactions from wire fraud with bank verification technology.

Fees: $10-25 per wire
north america
Clover logo

Clover

Retail & restaurants

A Fiserv-owned all-in-one POS system combining hardware, payments, inventory, and employee management for retail and restaurants. Clover offers a range of devices from compact readers to full register systems, with a marketplace of third-party apps for customization. Popular among small to medium businesses wanting an integrated commerce solution.

Fees: 2.3-2.6% + $0.10
north americaeurope
Coinbase Commerce logo

Coinbase Commerce

Crypto E-commerce

A cryptocurrency payment gateway from Coinbase that lets merchants accept Bitcoin, Ethereum, stablecoins, and other digital assets. With self-custodial settlement, merchants receive funds directly to their own wallets without intermediary custody. A straightforward option for businesses wanting to add crypto payment acceptance with minimal complexity.

Fees: 1%
north americaeuropeasia
CoinGate logo

CoinGate

Lightning Network

Crypto payment gateway. Accept 70+ cryptocurrencies, settle in crypto or fiat, invoicing.

Fees: 1%
europenorth americaasia
CoinPayments logo

CoinPayments

Multi-crypto support

A veteran cryptocurrency payment gateway supporting over 40 different cryptocurrencies for merchant acceptance. CoinPayments offers MPC custody, instant verification, fiat conversion, and integrations with major e-commerce platforms. Ideal for businesses wanting broad crypto payment coverage.

Fees: 0.5%
north americaeuropeasia
Coinremitter logo

Coinremitter

Multi-currency wallet

A cryptocurrency payment gateway supporting over 20 cryptocurrencies with wallet services and invoicing capabilities. Coinremitter offers e-commerce plugins for popular platforms and is designed for merchants wanting affordable crypto payment acceptance with low fees.

Fees: 0.23%
north americaeuropeasia
CoinsPaid logo

CoinsPaid

Crypto businesses

An Estonia-based cryptocurrency payment provider offering compliant merchant services with full KYB/AML procedures. CoinsPaid provides payment gateway solutions, OTC desk services, and hot wallet management for businesses looking to accept crypto payments securely.

Fees: Contact for pricing
north americaeuropeasia
Computop logo

Computop

German enterprise

A German enterprise payment service provider offering true omnichannel solutions across POS, e-commerce, mobile, and phone channels. Computop's Paygate platform supports over 350 payment methods through 50+ acquirers, serving large retailers and enterprises across Europe.

Fees: Contact for pricing
europenorth americaasia
Crypto.com Pay logo

Crypto.com Pay

Crypto.com users

The merchant payment solution from Crypto.com enabling businesses to accept over 400 cryptocurrencies. Crypto.com Pay offers instant settlement, global reach, and integration with the broader Crypto.com ecosystem. Ideal for merchants wanting to tap into Crypto.com's large user base.

Fees: 0.5-1%
north americaeuropeasia
Cryptomus logo

Cryptomus

Modern crypto gateway

A modern cryptocurrency payment gateway supporting over 50 cryptocurrencies with instant settlement and competitive fees. Cryptomus offers straightforward merchant onboarding and is designed for businesses looking for a simple, no-fuss crypto payment solution.

Fees: 0.4-0.9%
north americaeuropeasia
Currencycloud logo

Currencycloud

B2B Cross-Border

A Visa-owned B2B cross-border payment platform serving banks, fintechs, and FX brokers. Currencycloud provides APIs for collecting, converting, and paying out in 36 currencies across 180+ countries with fast settlement times. Built for financial institutions wanting to embed cross-border payment capabilities into their products.

Fees: 0.25-0.40%
north americaeuropeasia
CyberSource logo

CyberSource

Enterprise Security

A Visa-owned enterprise payment management platform with industry-leading fraud detection capabilities. CyberSource serves large enterprises across 190+ countries with sophisticated decision management tools and omnichannel payment processing. Best suited for large organizations with complex fraud prevention needs.

Fees: Contact for pricing
north americaeuropeasia
DailyPay logo

DailyPay

Earned wage access

An on-demand pay platform enabling employees to access earned wages before payday. DailyPay integrates with employer payroll systems and benefits providers seeking to offer instant access to earned wages as a financial wellness benefit.

Fees: $2.99 per transfer
north america
Dharma Merchant Services logo

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.

Fees: Interchange + 0.15% + $0.07
north america
Durango Merchant Services logo

Durango Merchant Services

Offshore Options

A high-risk payment specialist offering both domestic US and offshore processing options for challenging merchant categories. Durango serves nutraceuticals, credit repair, tech support, and other industries that require flexible processing solutions, including offshore accounts for businesses that can't obtain US merchant accounts.

Fees: ~4-8%
north americaeuropeasia
Dwolla logo

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.

Fees: $0.25 per transaction
north america
Elavon logo

Elavon

Multi-Currency

A US Bank subsidiary specializing in payment processing for businesses in North America, Europe, and Latin America. Elavon offers multi-currency capabilities and is known for competitive interchange-plus pricing for established businesses. A solid choice for companies needing reliable processing from a bank-owned provider.

Fees: 0.16% + $0.25 + interchange
north americaeuropelatin america
Finix logo

Finix

Platforms & Direct Acquirer

A payment infrastructure platform built specifically for software platforms and marketplaces in the United States. Finix enables platforms to become their own payment facilitators with direct acquiring capabilities, offering white-label payment processing with advanced features like split transactions and merchant onboarding tools.

Fees: Interchange+ pricing
north america
First Data (Fiserv) logo

First Data (Fiserv)

Clover POS Integration

A major payment processor now owned by Fiserv, serving millions of merchants worldwide with comprehensive payment and merchant services. First Data is best known for its Clover POS ecosystem, offering integrated hardware and software solutions for small to mid-sized businesses. A traditional processor with broad market reach.

Fees: Contact for pricing
north americaeurope
FIS logo

FIS

Banking & fintech

A major global financial technology company that owns Worldpay, serving banks, merchants, and capital markets with payment processing and banking technology. FIS provides enterprise-grade infrastructure powering a significant portion of global payment volume through its vast network of financial institution clients.

Fees: Contact for pricing
north americaeuropeasia
Fiserv logo

Fiserv

Financial institutions

One of the world's largest financial technology companies, providing core banking systems, payment processing, and merchant services. Fiserv owns First Data and Clover, serving financial institutions and merchants globally with comprehensive payment infrastructure and technology solutions.

Fees: Contact for pricing
north americaeuropeasia
Global Payments logo

Global Payments

International commerce

A major global payment technology company serving over 3.5 million merchants worldwide with acquiring, issuing, and integrated payment solutions. Global Payments focuses on vertical-specific solutions for healthcare, retail, restaurants, and education with both online and in-person payment capabilities.

Fees: Contact for pricing
north americaeuropeasia
GoCardless logo

GoCardless

Recurring payments

A specialist in recurring direct debit payments across 30+ countries, supporting SEPA, BACS, ACH, and other local bank debit schemes. GoCardless makes it easy to collect subscription and invoice payments directly from bank accounts with lower fees than card payments. Ideal for SaaS, membership, and recurring billing businesses.

Fees: 1% (capped at £4)
europenorth americaoceania
Helcim logo

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.

Fees: 1.83% + $0.08
north america
Host Merchant Services logo

Host Merchant Services

Online businesses

A US payment processor that works with both standard and high-risk merchant categories. Host Merchant Services provides card processing, POS systems, and e-commerce solutions for retail, restaurants, and online businesses with dedicated account support.

Fees: Contact for pricing
north america
Hyperwallet logo

Hyperwallet

Global Payouts

A PayPal-owned global payout platform designed for enterprises making mass payments to workers, sellers, and affiliates worldwide. Hyperwallet supports payouts in 200+ markets and 50+ currencies with multiple disbursement options including bank transfers, PayPal, and prepaid cards. Built for gig economy platforms, marketplaces, and enterprises with complex payout needs.

Fees: ~1-2%
north americaeuropeasia
Ingenico logo

Ingenico

Global payments

A global leader in payment terminals now part of Worldline, offering smart terminals and cloud-based payment management. Ingenico provides comprehensive countertop and mobile terminal solutions serving businesses worldwide with end-to-end payment infrastructure.

Fees: Contact for pricing
europenorth americaasia
Interac logo

Interac

Canadian Payments

Canada's national debit payment network, used by virtually all Canadian financial institutions. Interac handles billions of transactions annually through Interac Debit for in-store purchases and Interac e-Transfer for person-to-person and business payments. Essential for any merchant serving Canadian customers, offering secure, real-time payments with minimal fees.

Fees: $0.08-0.15 per transaction
north america
JCB logo

JCB

Japanese customers

Japan's premier international card network, widely accepted across Asia and growing globally. JCB is essential for merchants targeting Japanese consumers, both domestically and as travelers. Known for premium cardholder benefits and strong presence in travel and hospitality sectors.

Fees: 2.95-3.5%
asianorth americaeurope
Marqeta logo

Marqeta

Modern Card Issuing

A modern card issuing platform that enables companies to create and manage physical and virtual payment cards through APIs. Marqeta pioneered just-in-time funding and dynamic spend controls, powering card programs for major fintechs and gig economy companies. The leading choice for businesses needing sophisticated, programmable card issuing capabilities.

Fees: 0.12-0.5% of interchange
north americaeurope
Melio logo

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.

Fees: Free ACH, 2.9% cards
north america
Moneris logo

Moneris

Canadian businesses

Canada's leading payment processor offering a unified cloud platform for POS systems, payment processing, and inventory management. Moneris serves businesses coast to coast with in-store, online, and mobile payment acceptance through their Total Commerce solution.

Fees: Quote-based pricing
north america
MoonPay logo

MoonPay

Crypto on-ramp

A leading cryptocurrency on-ramp and off-ramp service enabling users to buy and sell crypto with cards, Apple Pay, Google Pay, and bank transfers. MoonPay supports over 170 crypto assets across 180 countries, widely integrated into popular wallets and exchanges.

Fees: 1-4.5%
north americaeuropeasia
NMI logo

NMI

Gateway flexibility

A flexible payment gateway designed for ISVs, resellers, and payment facilitators who need white-label capabilities. NMI provides extensive customization options, recurring billing, and tokenization for businesses building payment experiences into their own platforms. A popular choice for software companies embedding payments.

Fees: Contact for pricing
north americaeurope
NOWPayments logo

NOWPayments

Most Cryptocurrencies

Accept 150+ cryptocurrencies. Non-custodial, auto coin conversion, low fees, global payments.

Fees: 0.5-1%
north americaeuropeasia
Nuvei logo

Nuvei

Gaming Payments

A global payment technology company with particular strength in the gaming, sports betting, and iGaming sectors. Nuvei offers 700+ payment methods across 200+ markets with a focus on optimizing authorization rates and reducing fraud. Known for their hands-on support and ability to handle regulated industries that other processors may decline.

Fees: Contact for pricing
north americaeuropeasia
OpenNode logo

OpenNode

Bitcoin Lightning

Bitcoin Lightning Network payments. Instant, low-fee Bitcoin transactions, fiat settlement.

Fees: 1%
north americaeuropeasia
OTR Solutions logo

OTR Solutions

Trucking industry

A specialized payment solutions provider for the trucking and transportation industry. OTR Solutions offers factoring, fuel advances, and fleet payment services designed for trucking companies needing faster cash flow and simplified financial management.

Fees: 1.9% - 3.9% factoring
north america
Paxum logo

Paxum

Adult Industry

An international e-wallet platform primarily serving the adult entertainment industry and other high-risk merchants. Paxum offers e-wallets, prepaid cards, wire transfers, and cryptocurrency support in markets where traditional payment options are limited. A trusted payout solution for content creators in adult verticals.

Fees: ~2-5%
north americaeurope
Paybotic logo

Paybotic

Cannabis Payments

Premier cannabis payment processor. 10+ years specializing in legal marijuana businesses. Services: ACH, debit processing, cannabis payment processing, gift card programs, merchant cash advance, cannabis banking. Compliant banking solutions for dispensaries, delivery services, CBD & hemp businesses.

Fees: 2.9% + $0.30 (standard risk)
north america
Payfirma logo

Payfirma

Canadian mobile payments

A Canadian payment processor offering multiple ways to accept payments including mobile, e-commerce, terminals, and invoicing. Payfirma provides an all-in-one affordable payment system for Canadian and US businesses with simple pricing.

Fees: Contact for pricing
north america
PayKings logo

PayKings

High-Risk Merchants

A high-risk payment processor specializing in industries often declined by traditional providers, including CBD, nutraceuticals, telemarketing, and subscription services. PayKings helps businesses in challenging verticals obtain merchant accounts and provides ongoing support for managing chargebacks and compliance requirements.

Fees: ~3-8%
north americaeurope
Payment Depot logo

Payment Depot

High-volume merchants

A membership-based payment processor offering wholesale interchange-plus pricing with zero markup for high-volume merchants. Payment Depot's subscription model provides significant savings for businesses processing large volumes who want to avoid percentage-based markups on top of interchange fees.

Fees: $79+/month + interchange
north america
PaymentCloud logo

PaymentCloud

High Approval Rates

A high-risk merchant account provider focused on securing approvals for businesses with challenging credit profiles or in high-risk industries. PaymentCloud serves credit repair, travel, e-commerce, and other high-chargeback verticals with dedicated account management and chargeback mitigation strategies.

Fees: ~3-7%
north americaeurope
Paymentwall logo

Paymentwall

Gaming & digital

A global payment platform specializing in video games and digital content, reaching over 200 countries with 150+ payment methods. Paymentwall offers fraud prevention, KYC verification, and chargeback resolution, ideal for gaming and digital businesses.

Fees: Transaction-based (volume discounts)
north americaeuropeasia
Payoneer logo

Payoneer

Freelancer Payments

A global payment platform primarily serving freelancers, contractors, and businesses receiving international payments. Payoneer provides multi-currency accounts with local receiving details in major currencies, making it easy to get paid from global marketplaces and clients. The preferred payout solution for Fiverr, Upwork, Amazon, and other major platforms.

Fees: 1-3%
north americaeuropeasia
PayPal logo

PayPal

Global e-commerce

One of the world's most recognized digital payment platforms, operating in over 200 markets with support for 130+ currencies. PayPal offers buyer protection, a trusted checkout experience, and multiple payment options including pay-later services through Venmo. A go-to choice for e-commerce businesses seeking broad consumer recognition and trust.

Fees: 2.9% + $0.30
north americaeuropeasia
Paysafe logo

Paysafe

Digital wallets

A global payment platform offering card processing, digital wallets (Skrill and Neteller), and online cash solutions. Paysafe specializes in iGaming and high-risk industries, serving over 120 markets with comprehensive payment methods and fraud protection.

Fees: Contact for pricing
north americaeuropeasia
Plaid logo

Plaid

Bank Account Linking

The leading financial data aggregation platform that connects applications to users' bank accounts. Plaid powers bank account linking, verification, and balance checks for thousands of fintech apps, enabling features like instant account verification, transaction data access, and identity confirmation. The standard infrastructure layer for US and European fintech applications.

Fees: Contact for pricing
north americaeurope
Railsbank logo

Railsbank

Global BaaS Platform

A global embedded finance platform (now Railsr) offering Banking-as-a-Service and Cards-as-a-Service. Railsbank enables fintechs and brands to launch financial products including accounts, payments, and cards without obtaining their own banking licenses. A white-label infrastructure provider for companies wanting to embed financial services.

Fees: Contact for pricing
europeasianorth america
Rapyd logo

Rapyd

Fintech Infrastructure

A comprehensive fintech-as-a-service platform offering payments, payouts, and card issuing across 190+ countries. Rapyd provides access to 900+ payment methods through a single API, enabling businesses to embed financial services without building infrastructure from scratch. Well-suited for marketplaces, gig platforms, and global businesses needing unified payment capabilities.

Fees: Contact for pricing
north americaeuropeasia
Request Finance logo

Request Finance

Crypto invoicing

An all-in-one finance platform for Web3 companies handling stablecoins and fiat operations. Request Finance offers invoicing, payroll, accounting, and crypto-to-fiat offramp services for businesses managing digital assets and traditional currency.

Fees: $99+/month
north americaeuropeasia
Segpay logo

Segpay

Adult Streaming

A high-risk payment processor specializing in adult entertainment, dating sites, gaming, and subscription-based content platforms. Segpay provides compliant billing solutions with built-in age verification and subscription management tools, serving creators and platforms in verticals that require specialized payment expertise.

Fees: 4-15% (high-risk)
north americaeurope
Sezzle logo

Sezzle

Interest-Free Installments

A North American buy now, pay later platform known for its interest-free pay-in-4 model over six weeks. Sezzle operates as a Public Benefit Corporation and offers a virtual card that works anywhere Visa is accepted. Popular with younger consumers and merchants looking for an accessible BNPL option with high approval rates.

Fees: 6% + $0.30
north americaoceania
Shift4 logo

Shift4

Hospitality & Retail

An end-to-end payment and commerce platform with deep specialization in the hospitality and retail industries. Shift4 offers integrated POS systems and payment processing with competitive interchange-plus pricing. Well-suited for restaurants, hotels, and retailers who want a unified commerce solution.

Fees: 0.05% + $0.03 above interchange
north americaeurope
SkinsBack logo

SkinsBack

Gaming skins payments

A unique payment system that enables gaming sites to accept in-game skins from CS2, Dota 2, and Rust as a form of payment. SkinsBack operates in the gaming skin economy, allowing users to trade their virtual items for purchases on gaming marketplaces. A niche but valuable solution for gaming platforms targeting the active skin trading community.

Fees: No fees
north americaeuropeasia
Square logo

Square

Retail & Restaurants

An all-in-one commerce platform that combines payment processing with point-of-sale hardware and business management tools. Square is particularly popular with retail stores, restaurants, and service businesses that need integrated solutions for payments, inventory, and staff management. Their hardware ecosystem and free baseline tier make it accessible for small businesses to get started quickly.

Fees: 2.6% + $0.10 (in-person), 2.9% + $0.30 (online)
north americaeuropeasia
Stax logo

Stax

High-volume businesses

A membership-based payment processor offering interchange-plus pricing with a flat monthly fee instead of percentage markups. Stax is designed for high-volume businesses that want to save on processing costs by paying wholesale rates. Includes card processing, ACH, invoicing, and business management tools.

Fees: $99+/month + interchange
north america
Stripe logo

Stripe

SaaS & Developers

A developer-first payment platform known for its exceptional API design and comprehensive documentation. Stripe offers a full suite of payment infrastructure tools supporting over 100 payment methods across 135+ currencies. Ideal for SaaS companies, startups, and any business that values a modern developer experience.

Fees: 2.9% + $0.30
north americaeuropeasia
Swipesum logo

Swipesum

Finding best rates

A payment consulting service that helps businesses find the best processing rates through audits and negotiations. Swipesum acts as a marketplace and advisor, analyzing statements and matching merchants with suitable processors. Useful for businesses unsure which provider fits their needs or wanting to reduce existing processing costs.

Fees: Varies by provider
north america
Synapse logo

Synapse

US Neo-Banking

A former banking-as-a-service platform that shut down operations in 2024. Note: Synapse is included for historical reference only and is no longer operational. Businesses should seek alternative BaaS providers.

Fees: Contact for pricing
north america
Tipalti logo

Tipalti

Automated AP/AR

A finance automation platform that streamlines accounts payable, mass payments, and supplier management for mid-market and enterprise businesses. Tipalti handles tax compliance, fraud detection, and global payouts across 200+ countries and 120 currencies. Popular among tech companies needing to pay large numbers of affiliates, creators, or suppliers worldwide.

Fees: Contact for pricing
north americaeuropeasia
Transak logo

Transak

Web3 integration

A Web3 fiat-to-crypto on-ramp and off-ramp supporting over 136 cryptocurrencies in 64 countries. Transak is integrated into popular wallets like MetaMask and Ledger, providing a developer toolkit for crypto applications.

Fees: 0.99-5.5%
north americaeuropeasia
Triple-A logo

Triple-A

Licensed Crypto Gateway

A Singapore-based cryptocurrency payment gateway that enables businesses to accept crypto payments and settle in either cryptocurrency or fiat. Triple-A offers a licensed, regulated approach to crypto payments with a focus on compliance in the Asian market. Suitable for businesses wanting a trusted, regulated crypto payment solution.

Fees: 0.7-1.5%
asiaeuropenorth america
Trustly logo

Trustly

Pay by Bank (A2A)

A leading pay-by-bank provider that enables direct bank transfers as an alternative to card payments. Trustly connects to over 12,000 banks across 30+ countries in Europe and North America, offering instant account-to-account payments with lower processing costs than traditional card networks. Particularly strong in gaming, subscription services, and financial services where bank-based payments reduce friction and churn.

Fees: ~1-2%
europenorth america
UnionPay logo

UnionPay

Chinese customers

China's national card network and the world's largest card issuer by volume, accepted in 183 countries worldwide. UnionPay is essential for any merchant wanting to accept payments from Chinese consumers, both domestically and as tourists abroad. Supports mobile payments, QR codes, and contactless transactions.

Fees: 0.8%
asianorth americaeurope
Unit logo

Unit

Embedded Banking

An embedded finance platform that enables US tech companies to launch banking, card issuing, and lending products quickly. Unit offers both white-label solutions for rapid deployment and custom API integrations for deeper customization. Ideal for SaaS platforms, marketplaces, and fintechs wanting to add financial services to their core product.

Fees: Revenue share model
north america
Utrust logo

Utrust

Crypto-to-fiat

A regulated European financial ecosystem (formerly Utrust) enabling businesses to accept both crypto and traditional payments. Licensed as an EMI and MiCA compliant, Utrust offers payment acceptance, card issuing, subscriptions, and marketplace solutions across Europe.

Fees: 1%
europenorth america
Venmo Business logo

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.

Fees: 1.9% + $0.10
north america
Verifone logo

Verifone

Global enterprise

A global leader in payment terminal hardware and POS solutions serving enterprises in 150+ countries. Verifone provides secure payment devices, software platforms, and merchant services for in-person commerce. Known for their hardware reliability and presence in retail, hospitality, and transportation sectors.

Fees: Contact for pricing
north americaeuropeasia
Wise logo

Wise

International Transfers

A transparent international money transfer service known for offering the real mid-market exchange rate with low, upfront fees. Wise provides multi-currency accounts with local bank details in 50+ currencies, making it ideal for freelancers, remote workers, and businesses that need to send or receive payments across borders frequently.

Fees: 0.4-2% (varies by currency)
north americaeuropeasia
Wise Business logo

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.

Fees: 0.4-2% (varies by currency)
north americaeuropeasia
Worldpay logo

Worldpay

Global Enterprise

A global enterprise payment processor owned by FIS, serving large multinational businesses across virtually every industry. Worldpay supports 300+ payment types in 120+ currencies with both online and in-person payment capabilities. Well-suited for established enterprises that need a trusted, large-scale payment partner with global reach.

Fees: 0.75-2.75% + monthly fees
north americaeuropeasia
Xsolla logo

Xsolla

Game Monetization

A comprehensive gaming commerce platform that acts as a merchant of record, handling payments, taxes, fraud prevention, and compliance for game developers. Xsolla supports over 700 payment methods globally and offers a significantly lower commission than traditional platform stores. The go-to payment solution for indie and mid-sized game studios wanting to sell directly to players.

Fees: Revenue share model
north americaeuropeasia
Zelle logo

Zelle

Bank transfers

The leading US person-to-person instant payment network integrated directly into banking apps. Zelle enables real-time bank-to-bank transfers without fees for consumers, making it ubiquitous for peer payments across American financial institutions.

Fees: Free for consumers
north america