About PaymentNinja
We help businesses understand what they pay to accept cards and find payment processing that fits.
Why we built PaymentNinja
Card processing pricing is confusing on purpose. Flat rates, interchange-plus, tiered pricing, monthly fees, reserves and contract terms make it hard to compare offers, and many businesses overpay without realizing it.
PaymentNinja puts published fees side by side, explains how pricing works in plain English, and gives you free tools to check your own numbers before you talk to a sales rep.
How we research
- We take rates from each provider's own pricing page and show the date we checked.
- We compare standard US pricing for in-person, online and keyed payments, monthly fees and chargeback fees.
- We describe who each provider is best for and its trade-offs, not just its price.
How we make money
PaymentNinja is free for businesses. We earn referral fees from processing partners, including Zeyla, when businesses request quotes or apply through our links. Read our partner disclosure for details.
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